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.

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

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.

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.

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.

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!

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.

You will pay a yearly fee for the remainder of the loan and that on top of the interest charged by westpack, better deals out there dont be fooled by the sheep

Rams have hidden solicitor costs when you try to refinance from them, because they have high interest rates of course. The solicitor costs are $1000-$2000 BUT they don't tell you how much when you sign up. In the contract/fees and charges schedule, it just says exit fee 295 and any legal fees. Kim Dao is one of the loan managers and avoid her! She is a manipulative and dishonest sales person!

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.

I applied for a home loan with RAMS and met with Darren from Southern Vales office. As I was doing a construction loan there were some delays and challenges throughout the process (nothing to do with RAMS, and everything to do with the builders etc) and Darren was patient and professional throughout the whole process.

Darren provided me with all the information I could possibly need, and made the loan side of things stress free. Would definitely recommend RAMS at Southern Vales to anyone needing a home loan.

Rams savings ATM limit is at 1000 bucks a day not negotiable can not change that and can't withdraw on any Westpac or st George so pretty much useless saving account if you wanna access your money.

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

We sent all documents to RAMS Ballarat to assess our borrowing capacity and got no reply whatsoever. With this attitude to clients, I can only imagine what would happen if we proceed with getting the actual loan.