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.
  • Unley

    121 Unley Road Unley SA 5061

    Opening Times Please call 0488 227 200 to make an appointment.

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

  • Stephen Villios from RAMS Unley

    Stephen Villios

    Franchise Principal

  • Introduction

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

    Meet the RAMS UNLEY team:

    Contact      Role Phone
    Stephen Villios Franchise Principal M: 0488 227 200
    Trudi Gameau Home Loan Manager M: 0487 267 245
    Matt McLean Home Loan Manager M: 0477 267 007
    Alex Politis Home Loan Manager M: 0428 913 800
    Chris White Home Loan Manager M: 0467 927 267
    Geoff Cleggett Client Service Officer P: 08 8272 7267
    Natasha Cartwright Client Service Officer  P: 08 8272 7267

    Community

    RAMS Adelaide Central 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.

  • What our customers have to say

    • We refinanced with RAMS through Steve and his team at Unley. RAMS offered us a competitive rate as well as the support we required. We had been stuffed around by other banks to the point where we nearly lost our dream property. Our RAMS home loan was approved quicker than anticipated and Steve spoke with the real estate agent to ensure he was kept in the loop. The team at the Unley were very organised and focused on the customer and I would not hesitate recommending them to anyone."

       

      Belinda Lamshed
    • Stephen Villios and his team, especially Trudi at RAMS Adelaide Central worked tirelessly to get my home loan sorted. I was often in remote locations so it was hard for me to get documents back to them. Trudi was especially helpful in this scenario and exceptionally patient! I received the best deal and the team worked hard to get me all the bonus deals they could. I have used Steve and his team twice now and it would be a hard task to get me to shop elsewhere in the future.

       

      Ryan Gascoigne
    • I have had home loans with each of the Big 4 banks but will never leave RAMS now, thanks to Stephen who has provided my last 3 loans. Stephen is, quite frankly, exceptional. He takes the time to keep in contact, patiently explain the different options available and works with you to achieve the desired outcome, despite any obstacles. If you are looking for someone who is genuine, easy to talk to, fast and reliable - do yourself a favour and give Stephen a call. You won't regret it.

       

      Laleh Rej
  • 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

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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.