We have high call volumes due to COVID-19, but we are here to help. For info, or to apply for COVID-19 home loan support see rams.com.au/covid-19-assist. We will contact you as soon as possible.
  • Ryde

    Shop 5/43-49 Blaxland Road Ryde NSW 2112

    Opening Times Monday to Friday: 9.00am to 5.00pm

    Saturday - 'Available by Appointment'

    Leave your details and your local RAMS Home Loan Specialist will be in contact

  • Tina Wodecki from RAMS Ryde

    Tina Wodecki

    Franchise Principal

  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS RYDE is committed to making sure your mortgage is made to measure.

    Our lending managers are qualified to help you with your property finance, and are available 7 days a week. And if you don't have time to call in to the RAMS Home Loan Centre, don't worry - we're happy to come to you. So why not drop in or give us a call today?

     

    The team from RAMS Ryde:

    Ryan Pham, Home Loan Manager
    E: Ryan_Pham@rams.com.au 
    M: +61 488 017 218 

    Michelle Pham, Home Loan Manager
    E: michelle.pham@rams.com.au 
    M: +61 419 159 135

    Juno Xie, Home Loan Manager
    E: juno_xie@rams.com.au 
    M: +61 437 137 997

    Community

    RAMS Ryde in the community

    RAMS is a national home loan provider with local expertise. And you'll find there's no one better to talk to when it comes to financing property in our local area. We're part of your community; here to serve local people just like you - whatever your situation. So whether you're considering buying your first home, or are ready to purchase again, RAMS can help.   

    Your home loan is probably your biggest financial commitment. That's why RAMS RYDE is committed to making sure your mortgage is made to measure.

  • What our customers have to say

    • I would like to express our appreciation for your assistance throughout the whole process with the settlement of our property at Wentworth Point. Your dedication and efficiency are much appreciated.
      Ruoheng and Yu
    • I am writing to thank you for your efforts in providing a seamless and prompt service in arranging finance for my recent investment. In all my years of investment and financing, this is one of the smoothest I have seen and this is a credit to you Tina and your great work even during your maternity leave and with having reliable and dedicated staff like Juno. I have recommended you and given your names to two of my friends and I wish you both every success. I will be in touch for my future investments as well.
      Robert
  • The RAMS six point difference

    We know how busy life can get, so to make it easy we'll meet you at a time and place that best suits your schedule.

    You'll get your RAMS Home Loan Specialist's mobile number, so you can easily reach them without using our call centre.

    At our first meeting, we'll learn about your individual circumstances and then clearly outline the steps to getting a home loan.

    And because no one likes repeating themselves, you'll only need to relay your personal information and situation once.

    We'll then tailor a solution to suit your specific needs, using everything we've learnt to ensure you get the right loan.

    Your local RAMS Home Loan Specialist can even help you with handy contacts, such as solicitors and building inspectors.

  • For help regarding hardship as a result of COVID-19 please complete our assistance form

    Speak to a home loan specialist

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  • More information: 

    Fixed Rate Classic Home Loan

    Credit criteria, fees and charges apply. These rates are current as at 16 May 2020 and are available to new and existing customers. We will apply the fixed rate that is available at the loan settlement date or the date the fixed rate period commences, unless the customer locks a fixed rate in on the loan using our Fixed Rate Lock-in feature (conditions apply). The Fixed Rate Lock-in fee is 0.15% of the fixed loan amount. At the end of the fixed rate period the interest rate will convert to the applicable variable home loan rate.

    *The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

    RAMS Essential Home Loan

    Credit criteria, fees and charges apply. Interest rates are subject to change. RAMS home loans are not available for foreign borrowers residing outside Australia.

    *The comparison rate is based on a loan of $150,000 for a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 

    $2,000 Refinance Cashback

    Credit criteria, fees and charges apply.1 Offer is current as at 28 February 2020 and may be varied or withdrawn at any time. For new refinance applications received between 28 February 2020 to 30 June 2020 and settle by 31 August 2020. Offer available on the Essential Home Loan, Full Feature and Fixed rate home loan products (excludes Line of Credit) Owner Occupier with Principal and Interest repayments and Investment Loans. $250k min loan per property refinanced. Only 1 cashback per customer with the predominant purpose is refinance will be paid regardless of the number of loans involved. Excludes Line of Credit Loans, switches and refinances of home loans within the Westpac Group which include St.George, Westpac, Bank of Melbourne, BankSA. Offer not available for Owner Occupier Interest Only loans or residential lending originated under family or company trusts. Not available to company and trust borrowers. The offer is limited to one rebate per eligible customer. Split loans are counted as one settled home loan regardless of the number of splits. Rebate will be automatically deposited into the home loan account within 60 days after settlement. If the home loan has a fixed interest rate, the rebate will count towards the prepayment threshold.