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.
Worst experience ever!
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.
Rams took two months to get a a response from Westpac. They mucked us around the whole time throughout the two months, not getting back when they said they would, not returning call, demanding information already provided and ridiculous information such as references from my government employment, would not be pinned down to an interest rate (saying should be around 4% but we will see how it goes), problems with valuations...So we ended up being offered a 15 year loan when we needed 30 years, a 5% interest rate, $9,000 mortgage insurance, then ...the icing on the cake was when they said that they do not lend in the area we wanted to buy (an establish country town 20kms fro Toowoomba. SO...we ended up with CBA. Took 1 week to get the approval. 3.5% interest. 30 years. Minimal documents. Over-the-phone application. No mortgage insurance!!! The area was not in question. We are now in our dream home. Leon and Owen at RAMS Toowoomba made us feel humiliated, frustrated, almost sank our faith that we were worthwhile prospects for a loan, dejected, sad, angry, and depressed. Moreover, their product would have cost us tens of thousands of dollars more. Thank God we ended up with another lender. My advice? Go to a major lender. That brokers save you time, effort, and money is an outright deception.
I have been with RAMS for a number of years. I have had to ask for a rate cut they did not offer it to me. Why cant they get it right
RAMS are the only one that takes 24 to 48 hours to send a home loan statement. I asked them why and was informed they need to order it, go figure, I cant. They need to be able to email immediately.
Dealt with Josh and Rebecca at RAMS Ballarat. Exceptional service. Nothing too much trouble, friendly and easy to deal with. Great product for my needs. Highly recommend without a doubt.
Questions & Answers
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?
Do you do landlord insurance in HOme Hill 4806
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.
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