RHG Mortgages

Excellent customer service! – I had the pleasure of dealing with a gentleman by the name of Mark S. From the RHG team and my experience with Mark was outstanding! The professionalism and courtesy shown towards me was truly exceptional! I also had a very positive experience with Nirmal from the RHG customer care team! Both these gentleman are an asset to the RHG team! Show details

Would be nice to be listened too! – I have been with RHG rams for 20 years and I'm shocked at these reviews. They really need to pick up their service I think. From saddened.. it's very difficult to speak with someone and not very helpful in people's situations. I am refinancing that I don't want to. Show details

Very very dodgy – They state that they will get back to you in 24 to 48 hours- 5 days later I’m still waiting. Their new website might be good if you can access it. Bloody hopeless. Please please if your looking for a home loan go somewhere else. Show details

2 account statements at the same address, unnecessary – Account number :1740786 Loan number : 004444040786 A We are receiving 2 statements on our RHG at the same address 1x for me and 1x for my wife .Is it necessary to send out 2 statements, waste of an extra envelope and an extra loan statement at the same address. To me that's unnecessary 1 statement is good enough, thanks for you're cooperation. Alex & Melva. Perth.

Rogues!!! Minus 1 million in review!! – Our mortgage was paid early with quarter of a million dollars available as redraw except we were refused access to that redraw as the loan was"too old" despite 11 years remaining on loan and now RHG won't discharge our finalised mortgage claiming:- "We have received your discharge request. However, we are unable to verify your signature as it… Read more

didn’t match our records."

Apparently 19 years later my signature does not match their records - as an older individual suffering rheumatism perhaps this could be a contibuting factor?? Interestingly my husband's signature passed the grade!! What rogues who just want to retain our Sydney property as their asset!!

RHG is not a good company – Customer service is generally rude, personally rude to obnoxious I am spoiled for choice as to who provides the more obnoxious customer service .When I asked to speak to the manager of arrears, as Simon was obstructive and personal.Simon told me he was manager of arrears. When I looked at the company profile there is Simon and the other obnoxious… Read more

people in customer service role. !! None of that helps me today other then I know RHG are very dodgy and never take out a loan with Rams. They will keep hounding me for money I dont owe them and will continue until they get my home. Adam Gilchrist put his name and face to promote RHG

Thieves – I am in credit on my home loan and continue to make regular payments. Every month without fail $46-$92 goes missing out of my account. I have contacted RHG on several occasions to find out what the hell is going on, all they say is "it is all correct, no extra money has been taken". They even took out my annual fee of $300 from my credit which… Read more

showed up in the transactions as been paid, but at the bottom of my statements it stated that the $300 still had to be paid and they were charging interest on the $300. I rang them about this and all I was told was that "yes, the $300 has been paid and they will remove the outstanding amount and refund me the interest that I had already been charged", don't know if the interest was ever refunded as nothing showed on my statement. A couple of months ago I rang again and asked to have the interest rate reduced, which they did, down to 3.94% (still way too high), two months on and now my monthly repayments have gone up, how the f_ck does that work??? Interest rate gone down but monthly payments go up. Next step is a lawyer

Help Available – Navigating mortgage stress is a challenge. It is worse when you have a lender that has little compassion. If you are under mortgage stress with RHG or RESIMAC ring Steve - 0412540774.

HIGH INTEREST RATE – I recently asked for a rate reduction as I'm being charged 4%. I was told I am on an investment loan so they can't go very low. I have lived in my house for 16 years. Due to waiting for my injury payment to come thru RHG were going to foreclose so I to re mortgage with them. They would not take my house mates rent into account unless he was on a… Read more

lease. So I put him on one. Without telling me they put me on an investment loan. My injury payment came thru within 6 months. My house mate had been there under six months at under $100pw. He disappeared and his mother found him in jail! After court awarded costs that were never paid I lost money. Now the info they want me to provide to put me on an ordinary loan is tantamount to applying for a new mortgage all a less than 0.5% interest cut but they are giving me a small cut regardless. My house is worth 5 times the mortgage!!! Hardly a credit risk! My problem is I don't need to borrow a large amount. People get a really great car for this amount on a personal loan! I did give them a fabulous 5 star review after the remortgage. However like a lot of places they give new customers a better deal and get a great review. Make sure you have a legal representative sight the final document it could save you thousands!

Terrible customer service – Every time I have had to call there has been incredible long wait times. Today I expected this and was on hold for half hour and then was hung up on.

No response to my request for a re-draw even though I owe nothing on the loan – I currently have zero balance as I paid out the loan years ago but still have the facility open, and I have emailed, as well as phoned on more than one occasion to simply redraw less than 10% of my approved mortgage value, which is less than 50% of the value of my property (so less than 5% of the property value). In doing so and prior to… Read more

proceeding to finalise the request I have asked RHG to review and reduce my home loan interest which is at a ridiculously high level (which both customer services reps agreed). Do you think I can get one email back from them in response to my initial email request or subsequent phone calls...No. This is money and profit for them, I simply do not understand.

Victim to predators under RAMS scam bankruptcy to sell to RHG – RAMS provided competitive interest rate in 2006 and months later staged a bankruptcy and sold my loan to RHG. Interest rates tripled other banks. I was suddenly bound to a new 3 year lockin with excessive exit fees so I could not afford to sell. I have been in poverty trap since. Then GFC. For the last 16 years I have been excessively bullied and… Read more

intimidated by extreme psychopathic staff. They will call at 7am on day of birthday and threaten and repeatedly did so. They have no bounds all the way to upper management. Had 20 home loans in lifetime. this one worse than all other 20 banks combined. I am paying 7% interest whilst rest of market pays 3. It has been a lot worse than this over the years. whilst market paying 10% I was on 18%. Devastating. Worse than any acrimonious marriage. They have been viscious.

Stay away. Bullies and aggressive behaviour from staff – My experience with this company was enough to put me into major depression and cost me my marriage. They lack customer service, are very aggressive and bullies. Threatened to reprocess house over $600. Then when i could not take it anymore, they continued to bully us and our lawyer. Stay away from them!!! Show details

Look elsewhere for your home loan – During the term of our RAMS home loan, our account was sold off to the faceless lending operation known as RHG (without our consent). After many years of making our loan repayments on time, every time, and paying annual fees to RHG for the privilege, we finally applied to discharge our mortgage with less than $200 owing on our loan. We were… Read more

informed this would cost over $1000 in mortgage discharge and legal fees. With disgust we paid this in order to get the title to our property. The lesson here is do your research carefully before borrowing (although in our case we had no choice thanks to RAMS). Yes, there are many greedy, ruthless and opportunistic lenders out there - watch out!

Rude customer service – 20/8/19 at 13:15 I rang to ask questions regarding my home loan. My call was answered by Sarda. I found her very rude and abrupt for no reason at all. Being in customer service myself I always show respect to others, I know it’s a difficult job. But this woman was downright disrespectful. I hope her managers replay our conversation and retrain her in proper customer service. Show details

A disgraceful service of thieves – I fought for my home for near on 3 years when I discovered being 3 weeks behind, and it snowballed from there, considering I never had any problems before being sold off from Rams, after the service being rude and non informative, when I was being continuously fined direct debit late fees, when they were constantly told I was self employed and… Read more

payment was usually the next day or two. Then after it increased to a huge amount and after one hardship relief when work got a bit quiet, they became severely rude obnoxious things got heated and then on came the legal fees and court proceedings of which all happened twice eventually making it impossible to catch up therefore taking my home and studio from me, of which they rudely said from the beginning that I can't afford my house. I actually made formal complaints to ombudsman of which nothing transpired or did RHG follow the rules in the court proceedings. These unprofessional thieves should never have been in business.

Pay cash into Westpac account or else – I ended up with two mortgages after a disastrous separation from my ex - whilst ANZ, my main bank, were fantastic, once my second RAMs loan was handed over to RHG, the nightmare began. Constant bullying calls if payment was even two days late - the worst of it being when I was threatened that they would make a claim against my primary residence… Read more

if I didn't 'pay cash of a certain amount into their Westpac account by a certain time the next day' - I had to call them the moment it was done.

RHG Shonky as shonky gets – I had a mortgage with Rams in 2002 (really should have made a submission to the Royal Commission but have left it too late) - I was a single pensioner, taking care of my son who had schizophrenia. I bought a run down farm and owned it but needed some money to renovate so took out a Low Doc loan through a mortgage broker who said 'just sign the… Read more

form and I'll fill in the rest' - they got dodgy valuations of $700,000 - I later found out Rams sold my mortgage to RHG without my consent. I found myself in financial hardship so had to keep borrowing more. I had some casual work at times but it wasn't enough. Eventually in 2008, RHG applied to the court to take my farm and it took 12 months to sell, meanwhile they let all the hard work I had done fall into disrepair so it sold for $460,000 - my debt was $500,00-odd and I finished up homeless. My son died in 2009.

Most Unprofessional Company with rude staff – they have reposed my sons house and sold it with out contacting him Sold for $20.000 under value. Kept adding bank fee s for last 6 months once they had reposed house Legal fees ++++ and $20,000 taken off sale price before the remaining amount went toward loan Staff member Simon P is a horrible man to deal with and Brad Hooper has been named for double dipping in accounts

Poor Customer Service – I have had a couple of home loans with different lenders for a few properties I own and by far this company has been the worst. Poor customer service, it is so difficult to get a hold of them and when you do they often make a mistake in carrying out the action you requested (for example changing the date of your direct debits). They also have… Read more

higher interest rates and just generally a difficult company to deal. I have just sold my house so thankfully no longer have to deal with them. To anyone considering this company my advice is to stay away and find another lender!!!

Appalling – My brother died unexpectedly recently and I called them to ask for a minor extension on his repayments while we sort out his estate. His intellectually disabled daughter is still living in his house and is fearful of losing it until it can be paid out. The arrears manager spoke to me in an appalling manner and hung up. No condolences, no… Read more

assistance. The entire conversation lasted less than a minute. I've never experienced anything like it and am still in shock. I feel very sorry for those of you caught up with these people for years on end.

Beware RHG "Customer Service" – Like many others here I originally started my mortgage with RAMS. Service was always good and staff were friendly. At some point, without my consent I was switched to RHG and this is when the problems began. Apart from ridiculously high interest rates I was constantly blocked when trying to negotiate a better deal. Tactics such as "lost… Read more

emails", "we will return your call/email", (and if they did it took over a week) and finally, when I inquired about re-financing I was treated like a new customer, (I had been with them 11 years at this point...) Mountainous amounts of paperwork to fill in and my past history, which was exemplary, was not taken in to consideration. When I tried to speak to a customer service representative I was on hold for 20 minutes then automatically put through to voice mail, none of my messages were EVER returned. THis happened time and time again.

I was offered a much better deal from Bank Australia over the phone, the staff were lovely and helpful and I couldn't be happier.

As a final kicker, the discharge instructions were sent to RHG FIVE TIMES! It was only when I was able to get through to the RHG complaints line and mentioned the word "Ombudsman" along with the fact that what they were doing was bordering on illegal that they finally disharged my mortgage.

I gave them a single star because I had to...and they don't deserve that. Horrible people to deal with.

Still shafting us even one year after our Mortgage was paid out! – My husband and I also like many where transferred to RHG from Rams without notice, we had over the years had financial hardships and RHG have been hands down the most difficult company that we had ever dealt with in the form of communication and fairness, we never lost our home however when the opportunity arose to refinance we did, completely… Read more

paid the mortgage out. Our loan was conditionally guarantored by my husband's family home so once we had paid out of course that should have meant RHG no longer have any rights over my husband's family's home but no a year later they are still registered as the mortgagee! We have contacted them many many times, our home loan broker from the original loan have contacted them, our convayencer has contacted them and we have threatened legal action, we have threatened to go to the media still no results, it still gets worse, their solicitors have lost the deeds to my husband's parents house and again after all this time no one is willing to help us at all, my husband's parents are elderly and unwell and have paid a deposit on retirement village, however we can't even get RHG's name off the mortgage a year later, actually we don't even own our home we sold last October, - I have to say the stress caused by this has sent me close to suicide I'm not exaggerating. Never ever do business with this company not only are they uncaring they also are incompetent

None existent customer Service – Rang them about a variation on my home loan rate, I was told it would take 2 weeks for them to review. Its now a month later, I ring and they don't answer, get put through to "Leave a message" for a call back within 24hrs, which I have done.A week later AND STILL no call back, I have tried to ring several times in that last week and still can't… Read more

get through to talk to someone, just get the same message to leave a message and someone will call me back.

No help – I too was shafted from rams to rhg and had no say in it. When I contacted rams to do a different mortgage as I retired on little money they said they wouldn't look at it until i had no re draw then I MIGHT be able to do another loan I wish someone could help me as don't want to loose my unit.

Class action needed for these robbers – I was forced to use ALL my superannuation when I went through financial hardship. They harassed me by phone continuously nearly causing me to breakdown. We need to stand as one and seek a class action and in the short term all of us need to contact and express our individual stories to the relevant ombudsman. The 4 big banks are in a riyal… Read more

commission LETS MAKE RHG BE THE FIFTH. For a good start let's all get on board and start with an online petition on social media, let's involve current affair a d 60 minutes. Its time to act now, words and reviews are cheap, LETS ACT NOW.

Money hungry – I saw this when I was looking at loan interest comparisons. Whilst it's awful to read everyone's negative experiences, I am so relieved to know I am not alone. We too were shafted from RAMS to RHG. Their interest rates are highway robbery. We haven't had trouble paying, but at the rate we're going, in spite of the fact we pay more each week than… Read more

we need to, the mortgage will still exist when we die of old age. I am the money handler of the house and suffer severe anxiety so haven't looked at refinancing. I don't know how they sleep at night.

Disgusting bullying – I’m so sick of this disgusting company harrasing me and telling me I have 2 choices 1 pay on time or 2 let Rhg take possession of my house, yes I fell on hard times so a judgment was put on my home , but it’s been years now and I pay on time except for maybe the most a few days late , than I receive the harassment and bully tactics nasty over the… Read more

top . I complained about the rude message s only to be told they see nothing wrong with there workers treatment

Shoddy, nasty, beware – Since 2014, this putrid little company has steadily gone down hill. Staffed by a group of arrogant and incompetent people that do not respond to enquiries of any sort, RHG needs urgent investigation by the banking ombudsman, in regards to their practices. I work with people who are in financial difficulties, most banking institutions are usually… Read more

compliant in working with borrowers experiencing hardship, but not RHG.

The arrears manager (S.P.) is extraordinarily rude and vindictive and i have been told he will hang-up on people enquiring about their arrears or asking for statements.

Paperwork, statements, reports are near impossible to get sent out, the staff are slack, communication contradictory, methods are shady.

BEWARE! Avoid this company at all cost. Slow to respond but quick to evict, these are the closest to corporate scammers I've ever had experience with.

Thieves – I was with rams they palmed me off to RHG who stole money from my account they ran me into debit then sold me off to resimac who paid big bucks to purchase rhg, now they want the profit back from the purchase & the quickest way to get it is foreclosure on mortgages. If your unlucky enough to have a loan with this mob it is URGENT you refinance… Read more

with someone else as fast as you can, time is running out, don't think you're safe, that was my mistake. You've been warned stay away from this mob.

Rhg is unconscionable – Had a rams loan but was transferred to rhg a few years ago, the interest rate went up around three percent. After many years I finally paid the outstanding amount owed around six weeks ago. Although the government has abolished exit fees I have paid around $800 in fees to get my title but still don't have it. I paid rhg the fees for their… Read more

solicitor but now they say they cant transfer it to them so I had to pay it again to their solicitor direct in the hope of getting the title

I have phoned rgh many times but keep getting conflicting information. Such a happy and positive experience of paying a loan out has been totally soured by such unconscionable conduct by rhg. I had to get a loan to pay the loan payout fees, ironic