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Reviews

3.5

432 reviews
5
(255)
4
(11)
3
(8)
2
(17)
1
(141)
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Sylvia

SylviaRichmond-Tweed, NSW

Borrowing against our equity

published

Catherine at Gold Coast South Loans Center was great, she worked with us all the way and made sure we were kept up to date. Thank you Catherine for helping us make our dream pool come true.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateAugust 2020
Loan used forRenovation
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Bryan

BryanDarling Downs, QLD

  • 2 reviews

Asking Opinion for those In RAMS.

published

This is not a review,..

I'm about to apply RAMS Home Loan, I started the application process atm. I just bit confused regarding this Salary Sacrifice. Is it necessary to RAMS to do Salary Sacrifice in order to approve the Loan?

TIA

gee

geePRAHRAN

  • 4 reviews
  • 5 likes

Behind in every criteria

published

Its takes days for any transfers to go through (sometimes up to 5 - yes, that even if its someone that you transfer money to every single week). It has actually gotten slower the longer I've been with them. No VISA or Mastercard option, so you can forget completing any online purchases with their card. Zero technology on their website, in fact its got some areas that are a bit faulty. Not user friendly.
I originally changed to them because they had better savings interest rates but that was short-lived.
They literally offer nothing that someone else isn't doing better.
These days you've got banks with instant transfer, budgeting technology, VISA, and better rates. What the hell are you doing Rams?

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Vickie

VickieGreater Melbourne (Metropolitan), VIC

Worst experience of my life

published

Worst experience of my life. Because I don’t have Netflix or internet in on my home (which is due to the hours I work), I most live below the poverty line and must be lying as no one lives like this. Even the manager was shocking. Got the loan at a better rate with someone else

Transparency
Customer Service
Application Process
Timeliness
Loan used forFirst Home
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Chickie

ChickieSouth East Queensland, QLD

  • 22 reviews
  • 9 likes

Great service

published

A big shout out to your team at Sydney,we usually go thru our broker at Margate Qld but with Covid had to call Sydney to change our loan requirements.Been with Rams for 18yrs now & I understand you’ve been under the pump with the COVID thing & had to implement many changes which was explained to me.Thank you for your help during these uncertain times.Meryl & Steve Dodge Qld

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateAugust 2007
Loan used forInvestment Property
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LRF

LRF

  • 5 reviews

Good, though rates have dropped

published

I had a RAMS saver for a couple of years to build up savings. I opened the account as it had a very good rate (with easy conditions).
Their website is fine, though their statement dates are not in sync with the financial or calendar years.
Their call centre were easy to contact, and good to deal with when I had to.

Unfortunately they recently dropped the savings rate to a point where I wouldn't open an account with them.

Nel

NelPerth, WA

  • 2 reviews
  • 3 likes

Beware Trust Rams at your own risk

published

This has to be the most dishonest company I've ever had dealings with. I've complained but they did not even reference my questions. They bang on about legalities but integrity is completely missing. They don't get it. I dread having to deal with them because I believe if they treat their customers with contempt, they won't answer questions they don't like and probably force their staff to do the same, Not good enough. They lie by emission and they seem fine with that. This has been my experience since day one. Their interest rates are not good and there is nothing I could say to recommend this outfit

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forRenovation
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Mathew m

Mathew m

  • 3 reviews

Always there when you need her

published

Zoey Langdon has been an exceptional home loan manger for us, goes above and beyond when she doesn't even have too!
Thanks Zoe for everything you have done so far, I know you will be there for us next time as well :)

Transparency
JGLS

JGLSGreater Melbourne (Metropolitan), VIC

  • 68 reviews
  • 43 likes

Utterly disgusting. What a disgrace.

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeSplit
Loan used forRefinancing
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Jeff

JeffIllawarra, NSW

Find somebody else

published

Try to change my loan from low docs to a normal house loan. They gave me the run around. I was on income protection for 2 years with a snapped ankle and they said they couldn't use that as income. I have never missed a payment. Very disappointed

Transparency
Customer Service
Application Process
Timeliness
Loan used forRefinancing
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WORST BANK EVER!!!!!

published

We received a home loan from them and had money in our redraw but every time the money disappeared. Tried calling so many times but the people said they cannot tell us where the money went have to wait and call back. Called again and same thing happened. They never have the straight answers, half the time people don't know what is going on and you have to go through multiple people or wait a number of days before even explaining what is happening.

Transparency
Customer Service
Pissed Off

Pissed OffSouth East Queensland, QLD

  • 3 reviews
  • 4 likes

incompetent

published

I wish I went with ANYBODY else. Online banking horrendous, app is even worse. Extremely high fees. No customer service. No Debit cards to access your money on offset accounts, they use eftpos, didn’t even know they existed anymore

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
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Erin

ErinSouth East Queensland, QLD

  • 2 reviews
  • 2 likes

empty promises. no customer service. high fees.

published
Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan Start DateFebruary 2019
Loan used forFirst Home
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Sam

SamSydney, NSW

  • 3 reviews
  • 7 likes

Used to be personal and flexible. Not anymore.

published

I"m charged 4.12% for P&I investment loan. Their advertised rates are much lower, Other banks offer even lower rates. When I pointed these out to RAMS they do the usual merry-go-round between customer support and branch / franchise staff. If you are considering an investment loan don't go here. I'm moving to online lender at 2.69% with similar terms.

Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan used forInvestment Property
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joshgladwin

joshgladwinGreater Melbourne (Metropolitan), VIC

  • 2 reviews
  • 2 likes

Unconscionable and exploitative lender.

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan TypeVariable Rate
Loan Start DateJune 2017
Loan used forFirst Home
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Fordtl50

Fordtl50Geelong

  • 6 reviews
  • 10 likes

Would not recommend!!

published
Transparency
Customer Service
Application Process
Timeliness
Online Tools
Loan Start DateJune 2015
Loan used forRefinancing
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Completely useless

published

Had two brokers through the process of getting a home loan, completely useless went to Bankwest and all done in 4 days approved.

I would not recomend Rams to anyone. Unless they want to waste time.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeFixed Rate
Loan Start DateMarch 2020
Loan used forSecond Home
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Unhappy

UnhappyGreater Melbourne (Inner), VIC

Worst experience ever!

published

We got a home loan through Rams in 2018. Once we added the construction part to it they were completely hopeless and extremely unprofessional.
As we went to settle on our new home they advised us of an almost $25,000 shortfall. Money we also paid for our driveway and landscaping had “disappeared”.
They can give no explanation as to how this happened.
We had to come up with additional funds as Rams would do nothing to help us.
We have gotten lawyers involved and now going to court and making complaints to the Australian financial complaints.
The lack of care and empathy showed from RAMS is absolutely disgusting.
We can’t even get a phone call returned.
I’d strongly recommend never banking with RAMS.

Transparency
Customer Service
Application Process
Timeliness
Loan TypeVariable Rate
Loan used forSecond Home
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PandaMelb

PandaMelbGreater Melbourne (Inner), VIC

Lack of customer service!

published

Recently I had really bad experience with this company. I am their long term customer. Their customer service team is lack of responsibility nowadays. They are Not helpful even I have submitted an URGENT request. They are trying to delay my HL request and keep the high interest rate! Find another home loan lender if you can. Stay away from RAMS!

Transparency
Customer Service
Application Process
Timeliness
Loan TypeSplit
Loan used forFirst Home
See all answers

Cancelling home and contents insurance

published

Home and contents insurance was good to begin with, but when the insurance was up for renewal I got a better deal elsewhere, so I rang Rams to cancel which they said they cancelled. 3 Months later still taking money out monthly despite insurance being cancelled.

Coverage TypeHome & Contents
Property TypeHouse
Claim MadeNo
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Questions & Answers

Juan

Juanasked

RAMS

When I try to move/transfer money online from my account for three days I have the message "We weren't able to load this page. Refresh". Is this happening to me only? or is this a Rams online problem?

2 answers
Sam
Sam

I had the same issue. It was so frustrating. Asked a tech friend, he said it is a crome update. So if you are using Crome for internet, once you get to that page, press ctrl and F5. worked for me.

Juan
Juan

Cheers Sam, well appreciated :)
Juan

Robyn

Robynasked

RAMS

Do you do landlord insurance in HOme Hill 4806

No answers
Rod

Rodasked

RAMS

Why does RAMS take 24 to 48 hours to send out a statement? My bank Commonwealth does it immediatly. RAMS wants me to save with them but cannot act like a savings bank.

No answers

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