For COVID-19 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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    By submitting this form you acknowledge that you have read and accept our privacy statement

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    New purchase rebate

      

    More information:

    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.

    RAMS LMI Offer

    1Offer available for eligible First Time Buyers approved for their first home loan with loan to value ratio (LVR) greater than 80% and up to 95% including LMI premium at time of formal approval. LVR stands for the initial loan to value ratio at loan approval. LVR is the amount of the customer’s loan compared to the Bank’s valuation of the property offered to secure the loan, expressed as a percentage. First Time Buyers are applicants applying for their first home loan for their first property. For joint applications, at least one applicant must be a First Time Buyer. Available on New Owner Occupier & Investment loans with Principal & Interest repayments. Not available on Interest Only repayments. Offer current as of 13 July 2020. Offer may be varied or withdrawn at any time. Min loan size of $250k. Max one security property per application. Excludes Line of Credit, Constructions Loans which remain on Interest Only repayments after completion of the initial Interest Only period, Land Only Loans, RAMS Fast Track home loans, company and trustee borrowers, refinances, and switches and refinances of home loans within the Westpac Group which includes RAMS, St. George, Westpac, Bank of Melbourne and BankSA. Offer not available in conjunction with RAMS New Purchase Buyer $2,000 Rebate offer. Lender’s Mortgage Insurance premium will be reduced for eligible customers up to a max of $5,000 with a premium of at least $1 payable for LMI by the customer. This will be reflected within the Home Loan Agreement. Where the LMI premium is more than $5,000, RAMS will pay $5,000 towards the premium. The balance of the LMI premium will be payable by the customer. LMI subject to approval and customer must adhere to LMI obligations during the loan agreement. Lender’s Mortgage Insurance (LMI) is issued to Westpac Banking Corporation ABN 33 007 457 141 (Westpac) by Westpac Lender's Mortgage Insurance Limited ABN 60 074 042 934, Australian credit licence 388077 a subsidiary of Westpac. Funds to cover transaction costs are required. This information does not take into account your personal circumstances. 

    New Purchase Rebate

    2The New Purchase Buyer $2,000 Rebate offer is available for new home loan applications with a minimum loan size of $250k, received between 1 July 2020 and 30 September 2020 and settled by 30 November 2020. Offer may be varied or withdrawn at any time. A New Purchase Buyer is an applicant purchasing a property with an owner occupier or investment, principal & interest home loan (including construction loans). The offer is limited to one rebate per eligible home loan application. Split loans are counted as one settled home loan regardless of the number of splits. This offer is not available for refinances of existing home loans or in conjunction with the $2,000 Refinance Rebate offer. Excludes Owner Occupier, Interest Only home loans (except construction loans). Excludes Line of Credit Loans. Not eligible for applications received outside of the campaign period. Offer not available for non-resident borrowers. Not available to company and trust borrowers. The rebate will be automatically deposited into the RAMS home loan account within 60 days after settlement. If the RAMS home loan has a fixed interest rate, the rebate will count towards the prepayment threshold. Tax consequences may arise from this promotion for investors and customers should seek independent advice on any taxation matters.