Borrowing against our equity
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.
Beware Trust Rams at your own risk
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
empty promises. no customer service. high fees.
I currently have a home loan with you. Each time I’ve contact customer service I’ve had a horrible experience.
The very first time was when I got a message to say that my direct debit of $50 for the construction loan was overdue. I called to rectify this straight away as I am never late in any of my bills. When I called the call centre I spoke with this very rude and abrupt lady, she implied that I was crazy as “RAMS don’t do direct debit as it is illegal” she would not let me speak, shut me down each time I said my previous construction prog...ress payments were being direct debited. She got frustrated with me and said she will transfer me to someone else. This was very stressful for me, being my first home loan I really didn’t want to get on a bad start. I finally got through to another RAMS representative and I had to start the call like new. Full ID check, had to relay what my enquire was and what happened in the last call. This lady was nice and very helpful, unfortunately the first person I spoke with didn’t leave any notes so the second representative was unsure what she was talking about. She explained to me that direct debit is normal, the only reason I got the message was due to the public holiday and it will get processed following business day -nothing to worry about. The second time I called was to discuss what to do when my construction loan is completed. I called the call centre. They said they weren’t too sure but to call the person that set up my home loan account. Once I advised that they are no longer open she then referred me to the closest RAMS office to enquire. I believe it was RAMS Mooloolaba, I spoke to a lady that was extremely rude. I wish that call was recorded and she was extremely condescending, she would not answer my questions and told me to call the call centre. When I asked her if I could get the valuation that my house was valued at she said that RAMS don’t do a proper evaluation, someone only goes out to make sure the house is completed after the build. This I found annoying as when I first signed up with you, [name removed] was my loan advisor, he said that we would get a valuation of the home once completed. So am feeling deceived as now I need to pay to have one completed. Then I called to simply request my bank details be updated as I simply changed banks. I thought I could do this over the phone like any other company. But no, I I was sent a form to complete. I completed and emailed the form back, only to receive it back again to say it was missing information. I had to print the whole form again since the last one was chucked in the bin. I don’t hear anything. I tried calling, long wait in the queue, couldn’t get through. Then get an email to say to call RAMS. The call centre isn’t exactly to get a hold of. But I tried, couldn’t get through. Now to my most recent events with RAMS. The end of my construction loan. I received a letter to call RAMS to get my change over fee waived. Great. Called through, no you can’t change until a week before the 1st of April 2020. Alright, Called a couple of days before then, spoke to a gentleman, didn’t catch his name, he said good news we can waive all fees and you can get an interest rate of 2.79% without any prompting. I thought this was great as I was considering refinancing for a similar interest rate. I also wanting to change my monthly payments to weekly or fortnightly as that works better for us. He said I was entitled to all these changes. But he can’t do anything until the 1st of April 2020.
Used to be personal and flexible. Not anymore.
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.
Unconscionable and exploitative lender.
The ruthless franchise model of RAMS branches is not compatible with customer-focused solutions. Complaints to the escalated team are routinely ignored. Emails to RAMS are ignored. Our dealings with RAMS South East have been nothing short of a shambles. We have observed 4 separate staff members who have departed (as evidenced by automatic email replies advising of their departure) which makes communication all the more difficult. We were assured in writing when we applied for the loan that after 3 consecutive years of clear repayment history, w...e would revert to full doc and obtain an interest rate reduction of 1% less (we are currently obtaining an exploitative rate of 4.26%). However we understand based on a conversation with customer service that RAMS has reneged on this policy. I understand RAMS will soon be rebranded as Westpac. The sooner that happens, the better.
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.
Bad Start but Can't Fault Now
RAMS Norwest were recommend by our broker due to competitive interest rates and the loan structure we required. Initially I wasn't happy with a couple of things which caused a few head aches during the settlement process. This was mainly due to the representative on their side (Jehan) being a little incompetent. These were worked through and sorted but took quite a bit of work on our side. We obtained a construction loan and since being handed over to the current team couldn't be happier. RAMS have been easy to deal with, available and always p...ass on the rates cuts in some capacity. Additionally, they recently assessed our current loan and found that there was cheaper funding available. They reduced our rate by over 0.6% without a review being requested. I think this represents a proactive approach to lending and we would happily recommend RAMS.
Absolutely terrible service at Parramatta
Went in around December last year (December 2018) and the James took so long just to submit my application to head office claiming he was busy. They are a franchise and can not see what is happening at head office.
The settlement was around Feb and was hoping this would happen before Christmas closure but he had sat with my file for around 3 weeks. Cancelled my application and went with different lender. The other lender was so much better and efficient.
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.
Can get the loan but systems and customer service are terrible. Avoid!
RAMS approved homeloan. It was at a bad time so I waited around 4months before getting an answer (first home buyers was ending so there were alot of applications at once). Since having my homeloan I have discovered that RAMS systems are absolutely terrible. Account balances and available credit shown within accounts is always incorrect. This is extremely unreliable and you therefore cannot actually use your bank as you SHOULD be able to! This has resulted in payments that have not gone through, affected my credit score etc. Staff give inconsist...ent responses to problems, IF they can provide any accurate response at all. I have had nothing but trouble with RAMS since my homeloan was established. I cannot wait to leave the company. My advice: avoid at all costs. The stress isn't worth it.
Rams Southern Vales....Excellent!
In establishing my home loan Darren at Southern Vales service was fantastic. He understood exactly what I required was efficient, prompt and thoroughly knew his product. All I had to do was provide relevant documentation when requested, he took care of the rest. I have and will continue to recommend Darren to anyone I know looking for a home loan. Cheers Darren
Thank you Esther Chan for your professionalism, efficiencies and delivering on promise!
We got the run around from lenders and brokers that gave the hard sell but with nothing to snow for except empty promises. We were so very fortunate and blessed to be assigned to Esther - who finalised our loan so quickly and so thoroughly. Nothing was too much trouble and we’ve never had better service anywhere. Esther is also genuinely and highly committed to her job so we had the best representation. We’d definitely be recommending her to everyone we know! Thank you Esther!
Thank You Ron Mcbean From Rams Arundel, Gold Coast
We got turned away by 2 banks......at the point we almost gave up we saw a banner outside RAMS office that says "if bank says no, call RAMS", and so we did, and thank God for that!!! We met Ron McBean at the RAMS office and we immediately knew he is going to get us there. He was ruthless and will not stop until he found a bank that will give us the loan. We were able to text him, email him, call him and he was always available for us. He expedited our loan approval process so that we did not have to move in a temporary rental in between. A real human touch, Ron is an example why we need mortgage broker. Thank you Ron!
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.
RAMS Home Loans, Southern Vales - Perfect Team for Home Loans !
The RAMS Southern Vales Team Members work efficiently and to the point.
All questions are communicated to the RAMS Credit Department and other departments and efficiently solved.
The end results are excellent !
Great until they withheld the rate cuts
I know their funded by westpac, withholding the rate cuts is a pathetic low dog act! , I loved Rams, they always looked after me and made everything easy but it's a no brainer when I'm offered 3.29 compared to Rams 5.10........this should be everyone's action, pass it on or move on! I'm sick of this crap where banks make billions upon billions yet everyone else battles on. Thankyou Rams but it was westpac whom sealed your fate.
Excellent service !!
I have such a good experience with Rams. I highly recommend Rams to anyone looking for a home loan. I would like to thanks 'Dorene Statham' (home loan manger at Rams st george area) who went above and beyond with my loan application procedure.
Absolutely incompetent and useless. Not worth the extreme stress.
It took 6 weeks for them to get back to us with unconditonal approval. At that point we didn't even care about the outcome we just wanted to know what was happening and were sick of constantly follow it up and being told we'd know by the end of the week etc. and then receiving no response at all. I get that delays can happen but at least let us know.
When we finally got our contracts to sign we were told the rate was wrong but to ignore it. In hindsight we shouldn't have signed but we had been waiting so long for approval we did. We were told ...we'd receive an amended copy with the correct rate and a month later we still haven't despite me following up multiple times. We have now been waiting for settlement to go through for over 4 weeks. I have a house construction that has been started and now has 3 invoices unpaid. Settlement has been booked in 3 times now and rejected because our home loan manager is incompetent and keeps making mistakes on the paperwork, not having the correct papers done etc. Again, there's been no communication on this. I've only found out what's going on by following it up myself when I notice it hasn't settled. I've tried to call RAMS for help. They told me I have to deal with my home loan manager until it settles and then it becomes their problem, but obviously they are the person who isn't doing their job and settlement isn't happening because of them. When I pushed to make a complaint RAMS told me I could leave a voice message about it and it would be taken up with the principal. When I tried to leave a message it said the inbox was full! ... I'm assuming full of complaints from other poor souls like us.
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.
Great Experience Highly Recommend Troy!
It has been just over around 8months of dealing with Troy from the Mount Barker branch and I can honestly say that even though being a lengthy process (not on their behalf) it has been a great experience and I don’t think I could have trusted anyone else in helping us to get our first home loan.
Troy was helpful in every way and never made us feel like we were not wanted. He had great communication with us and I felt like we were being taken care of the whole time. I would highly him recommend to anyone!
Thanks again Troy for all of your help :)
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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