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  • Leon Owen & Charles McCowen from RAMS Toowoomba
    Leon Owen & Charles McCowen
    Franchise Principals
    M: Leon 0422 241 044 or Charles 0407 590 140

    Opening Times

    Mon to Fri: 9am to 5pm After hours appointments available

    Contact Details

    T: (07) 4638 1026
    F: (07) 4632 2980
    M: Leon 0422 241 044 or Charles 0407 590 140
    Address: 160 Hume Street Toowoomba QLD 4350
  • Introduction

    Your home loan is probably your biggest financial commitment. That's why RAMS Toowoomba 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?


    RAMS Toowoomba 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.

    The RAMS 6 point difference

    1. Your first meeting won’t be a sales pitch. It starts with us listening and understanding your goals and unique situation. 
    2. From our very first contact you will have your RAMS home loan specialist’s mobile number who will be your main point of contact right through until settlement and beyond. 
    3. From the start, your dedicated RAMS home loan specialist will know your story, your ambitions and your needs. So you’ll only ever need to have that first long conversation once. 
    4. You won't be offered a home loan that doesn’t suit your needs. 
    5. You’ll have access to the RAMS local network of contacts to help as you progress to purchase. 
    6. Your dedicated RAMS home loan specialist will be available for advice and help whenever you need on your home buying journey. 
  • Self-employed award 


  • 2 year fixed rate home page with CTA
  • 1500 rebate
  • Testimonials

    How glad we are that we went to RAMS in Toowoomba and see Charles or I can honestly say none of our dreams would have come to fruition. My partner and I thought because we didn’t have a hefty deposit or guarantors that we wouldn’t be desirable candidates for a first home loan without more assistance. Charles sat with us for the first of many lengthy visits to discuss ways which we could get into our beautiful new home without stretching ourselves beyond our means. I felt it was very caring to act conservatively with our future in mind. We weren’t given any false promises and felt in control with no unexpected surprises which can be stressful for people especially first timers. Everything happened exactly as it should with no hold ups or delays. We dealt with the whole Toowoomba team and they were ALL absolutely terrific and always had time to explain things and answer our endless questions… I don’t know that any of our friends and family had such a personal experience like ours and I would always HIGHLY recommend dealing with them and trusting them with your biggest life investments.  They sincerely cared about us, that is so rare!”

    “A big thank you to Leon Owens for all of his help over the last few years. Leon, Charlie & the team at RAMS in Toowoomba display a high product knowledge, a want to help people and a genuine interest and understanding of making your property dreams come true. Having recommended multiple people who have all reported the same high quality service, we are more than happy to highly recommend this organisation. If you're looking for information on how to purchase your first home, or simply taking the next step towards your real estate portfolio then make sure your first port of call is RAMS in Toowoomba.”
    Rob & Caroline

    “Dealing with Leon and his team at RAMS to purchase our first home has been such a wonderful experience.  The team at RAMS have explained everything in detail and guided us through every step of the way.  I will be recommending them to everyone, the staff there are very friendly and it has been a pleasure dealing with them.”
    Emily Cooke

    Our customers have provided these testimonials voluntarily and they are published with their consent. If we have edited them, it is to correct grammatical or typing errors, or to reduce the length.