RAMS (page 4 of 13)
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513 reviews · Statistics
- First Home (36)
- Second Home (11)
- Investment Property (10)
- Renovation (5)
- Refinancing (20)
- Home Construction (9)
Reviews
RAMS Home Loans, Southern Vales - Perfect Team for Home Loans !
RAMS Home LoansThe 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 !
absolute WORST company i have ever used for mortgages
RAMS Home Loanspoor customer service so i moved investment loans
retention strategies non existent
do not go out of their way to assist customers leaving, therefore would never go back
not sure if off shore but couldn't understand people on call centre
THEY made an error in direct debit which overdrew a closing account and then they had the gall to charge me fees
Great until they withheld the rate cuts
RAMS Home LoansI 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.
I offer my full recommendation to Rams at Burleigh Waters. Lischelle Franzway and her team were AMAZING!!
RAMS Home Loans*My customer service experience was the best, would not go anywhere else.
*i did not experience any extra costs or issues on this loan.
I am exceptionally happy with the rate of the loan rate I received.
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Excellent customer service and accounts
RAMS Home LoansWhen I decided to get a home loan I went though the RAMS Southern Vales office and I truly could not fault them. Darren was my financial advisor and went above and beyond to explain things to me and talk me through the entire borrowing process. He is kind, caring and very professional in the way he deals with customers and I am so grateful for the end result of, after looking at many banks, finding one suitable for me. I ended up with a low interest and low deposit home loan, perfectly suited for my first property. I would definitely recommend RAMS for friends and family.
Thanks again!!
Terrible! Avoid
RAMS Home LoansAfter being a loyal customer with a large mortgage for multiple years when we wanted to refinance and consolidate debt they were filling us with empty promises saying things would be simple and even encouraged us to lie to get somewhere. After the lies and many months of back and forth they said they couldn’t help us and tried to keep us on a high interest rate. I jumped straight on Lendi.com and found some very helpful people to get us out.
Very high interest rate if you don't withdraw!
RAMS Savings AccountsSmall bit of research did not find me a savings account with a higher interest rate than this, both the bonus interest rate if you don't withdraw, and the standard interest rate. Great app. I have not had to use their customer service yet (a good thing I guess) so I can't comment on that.
Good Account APPALLING service
RAMS Savings AccountsPotentially a good high interest account BUT problems abounded.
The right hand didn't know what the left hand was doing. Mixed and differing letters and emails.
Appears not to be user friendly with investors (savers) as opposed to mortgage holders.
No follow up on customer complaints
Would not recommend at all
Excellent service !!
RAMS Home LoansI 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.
M khan
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Absolutely incompetent and useless. Not worth the extreme stress.
RAMS Home LoansIt 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
... Read morewe'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.
Pathetic is not the word
RAMS Home LoansMy home matured after 3 years being in a fixed term. Contacted rams head office, advised to contact the Franchise office in my suburb. The franchise store advised we will automatically convert into a lower rate loan. Next month was charged even higher than I was paying. Was advised I need to sign a new home loan document . Well signed and sent it and the following Month got charged the same higher rate. contacted rams, They had lost the document.
Sent a new one express post took 5 days to reach us, signed and sent back and lost again .( we hav
RAMS staff went the extra mile!
RAMS Home LoansWe recently applied for a loan through Rams home loans
Brisbane South East Bayside Branch
The principal Tash Thorndyke and her colleague Zoey Langdon really went the extra mile for us with an extra quick turn around on our loan application and a really good rate, Tash personally made sure we got the best possible deal.
We couldn't be happier. The communication with them is excellent,
We could not recommend them highly enough.
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Great service
RAMS Home LoansDealt 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.
Disgrace CONSUMERS BE AWARE
RAMS Home LoansYou failed to advise the probable & significant increase or WHOLESALE flatulence of a break fees based on a fixed P&I loan; after an initial inquiry end of January. I was advised a breakdown end provided in writing to which alarmingly increased by 40% following my second point of call 7 weeks after
Great Experience Highly Recommend Troy!
RAMS Home LoansIt 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 :)
Old school
RAMS Savings AccountsWould not recommend. Pulled all my savings out of here as I had a recurring debit coming out and inquired with them whom it was. Their response was "a debit you've authorized". After explaining I wasnt aware of it could they tell me the account name they said no. I asked them to block it and it was so difficult i just pulled all my money out. He just closed it for me no worries without trying to save me as a customer.
Awful communication and lack of clarity
RAMS Home LoansI can’t think of a more enfuriating process in my life than applying for a RAMS home loan. I started my application in late Jan this year with a very pleasant visit to a branch, however as I write this in early March I am yet to receive communication that my loan has been processed past pre-approval. I have bent over backwards to provide documentation, alternate documentation, even verbal confirmations of previously submitted written documents and our reward has been to be constantly told to “just get an extension on payment of your deposit, th
... Read moreese things take time”. This has resulted in nearly losing our grip on our first home. Eventually I went to another bank who unconditionally approved my home loan application in under 7 days through 2 phone calls. Compare this to the 5 weeks and probably 150 emails I have exchanged with RAMS for absolutely no result! I am not one bit clearer to knowing whether my application has progressed or will be successful than when I walked in 6 weeks ago. I will go out of my way to warn people off using RAMS and my family, solicitor, estate agent and vendor would definitely agree. What started as a dream quickly turned into a nightmare.
Hopeless
RAMSSix weeks after applying, numerous calls enquiring what was happening, requests for documents already supplied, delays, excuses, justifications for delays... The icing on the cake...Rams don’t lend for any property In the area we wanted - six weeks they wasted our time and money. We will never deal with Rams, Leon or Charles at Rams Toowoomba again.
Oh, and a complaint about Rams Toowoomba has been lodged with the Banking Ombudsman. Don’t just complain on a review page, take it further. That’s what makes a difference to these companies practices.
An update...in exasperation we went to another lender. I won’t mention the name as I don’t want this to appear like an ad, but it is one of the big 4. Here’s a comparison: Rams approval time: 6 weeks,
... Read more other lender 4 days. Rams interest rate: couldn’t be pinned down but “around 4.2%, could be more but we’ll see how things go”, other lender 3.8%. Rams mortgage insurance fee $6,000, other lender nil. Rams required so many documents with requests for more throughout the 6 weeks, other lender an over the phone application and bank statements. We had to follow Rams up with absolutely everything, other lender contacted us daily with updates. Rams would give a maximum 15 year loan, other lender what we asked for - 30 years. The experience with Rams was, quite frankly, humiliating, other lender a pleasure. Don’t fall for the old “brokers provide competition” con. From our experience, go to the bank direct and save yourself money, time, mental health, and your self-respect.
Terrible
RAMS Home LoansRams now asking for credit enquiries from over 15 years ago. Lead along for over 4 weeks now. I have given Rams so much information. This is crazy. I was told so many times this is all we need. But they just make thing up as they go along.
Cant get online with safari after upgrade
RAMS Savings AccountsWhen will this broker issue be fixed as I don't like having to re start my computer and use another server. I joined rams as it was easy now it is not. feb 2022
In the past 3 months I have had duplicate transactions and missing transaction
RAMS Savings AccountsAt the end of 2018 after they 'upgraded' their web site I had lots and lots of duplicate transactions I identified which I brought to their attention and then they were then fixed. In early 2022 I noticed a missing transaction (my salary - who doesn't miss that!). The balance appears to have been correct the whole time but not the transactions. For example in December I would see two credits of $5 for the same thing but my bank balance went up correctly by $5 for one of them and didn't increase for the other one. When transactions were missing
... Read morein early 2022 I could see the balance changing by more than the transaction. When they reset my account I could see that in fact three transactions were missing over the past week. I am told it's a known issue they are working on but can't advise when it will be fixed. I have never not been able to rely on a statement for a bank account. The first time I called the guy suggested leaving a message at the end to record the issue to maximise Rams being aware of the issue. I tried to do that and got a message that the mailbox was full. The people you speak do try and be helpful but the technology needs fixing ASAP. You don't know if people have paid you, it's impossible to budget properly etc.
Amazing Experience on Buying Our First Home
RAMS Home LoansI found RAMS online 2 years ago and from the day I called them until we moved in to our new home, Jim from RAMS was the best support and knowledge that made the whole experience less scarier. We were never left to feel as we didn't matter. Even the smallest details were taken care for us. Jim spoke to us with the truth and helped as get approved for our loan fast and within our budget. Highly recommend !
Poor customer service
RAMS Home Loansi apply for Refinance for RAMS and it was all good at the first process to get you in and sounds promising then after all the application is done it took four weeks to get the results. In between there was some follow up but just all promising but at the end it did not go through. It was basically a waste of time...
Thanks
RAMS Home LoansDarren at southern vales was recommend to us and was very helpful in organising my wife and I in what information to be provided for our home loan and refinancing. Thank you have recommended you to others. Chris and Sonya
Fantastic service and down to earth
RAMS Home LoansMatt was so much help. My first home and first discussions around finance for it, he helped me collate information and armed me with questions to ask and things I should be aware of (even when I said I would be shopping around at other place)... at no point did I feel like I was dealing with a salesman.
An informative and welcoming environment
RAMS Home LoansMy partner and I are beginning the process of building our first home. We met with Joe Delis in Adelaide and he was very thorough, gave us insightful information and we felt really comfortable with him; he walked us through the process and was also lovely to talk to aswell.
Worst ever home loan.
RAMSVery very disappointing. Promised call back after call back never happened. My home loan was is debit I kid not $2.48c and I received a demand notice that was referring to further notices that were never received! I even phoned the contact centre who basically told me to pay it immediately or risk losing my house! The kicker is that on I’m a direct debit that they take out at the end of the month. There was a computer clutch one moth that resulted in them taking less. I spoke to so many people re this but still it took them 3 months to correct.
... Read more I have other issues with them as well we we asked for a parental leave application but was told we cannot have this and need to do financial hardship (even though we weren’t t behind) then when we called the person was so rude condescending and arrogant think his name was Andrew and still have not sorted out anything. we are changing ASAP.
Poor online platform and App
RAMSI opened this online account to receive a higher interest on our savings. Their online banking and App are terrible and do not compare with other online accounts. Closed after 3 months.
Lie after lie
RAMSWas stuffed around for over 2 months and lied to multiple times. They were all hard to deal. Ended up going with different broker and everything went through in 4 days. Useless waste of time going through rams.
It would be less painful to cut one of your own fingers off then to deal with RAMS
RAMSI dealt with RAMS Northern Adelaide ([name removed] from the Gawler store), and it was the most painful experiences of my life. Refinanced an existing home loan with them and then wanted another home loan (investment) to build. Was all going well, until the refinancing went through, and then once I had signed over, things changed. Never returned my calls, would say they would email stuff through in the next 24 hours.... 48 hours later still nothing, was constantly chasing them, had no interest in me at all. By dealing with them, and their tardi
... Read moreness, it delayed the building of my investment home by 3 months. Absolutely appalled. And every time i queried what was taking so long, i would only hear pathetic excuses, like admin girl was sick and we couldn't find your paperwork, and just pathetic stuff like that. Avoid RAMS at all costs. Once the pre-approval for the build was finally received, after over 100 days..... it was actually for $30k less than what it should have been, then took another 3 weeks to get the right amount. Their attention to detail was atrocious.
Poor customer service
RAMSNeeded a simple account statement, Couldn't get from the online system, emailed customer service. Not helpful. You have to call them and queue on their waiting list for such a basic requirement.
DO NOT USE RAMS
RAMSGreat follow up until you sign on the dotted line.
Then you can only expect poor follow up on promises such as interest rate decrease.
Took 6 months & several calls to change my address (even though the new address was for the new owner occupier home loan acquired with Rams??).
Everything is a mission with Rams compared to other banks.
Stay away if you can, not worth the time or hassles you have to endure to do very simple things.
Have you running around and making too many calls back to resolve any issues.
They are always sorry but each & everytime something happens...until the next time
Stay from RAMS!
RAMSWe have just settled the home loan with RAMS. Always got problems. And their customer service is so poor and rude. We have repaid the monthly payment then 6 days later did another withdraw which the amount less the available fund. But Rams said we over withdrawed as the available fund showed in the internet banking doesn’t mean it real available! What a joke! As they said the loan repayments still processing... for 6 days still processing, seriously!!! You will never understand how they do the calculations...
Amazing service, guidance and ease from start to finish
RAMSWe have just purchased our first home through RAMS and have nothing but great words to say about them. We had the pleasure of working with Matt McLean, Adelaide, who gave us outstanding customer service. From advising and guiding right through to completion and follow up, Matt was an absolute super star. We are now in our new home and loving it - thanks again Matt, we will keep you posted for house number 2 :)
Worst experience of my life
RAMSI dealt with the geelong branch and had to have the finance settle within 3 month time frame which was stipulated in a court order which was made very very clear at the begging to the particular lender. The loan was a month late and very close to losing everything. Every time i handed paper work in i asked if there is anything else you require tell me now so i can get it sorted then weeks later they would ask for "further information" i was charged $600 in interest by the court for not having the finance on time. I have asked to be reimbursed a
... Read morend rams have allegedly looked into the matter and can not find fault on their behalf and now require me find out why they didnt have the finances in place by the set time. When speaking to the assist team for hours on end and going around and around in circles can not tell me the complaints teams phone number. I think he must have just graduated from Mcdonalds.
Stay far away!
RAMSAn absolute joke! The whole experience with RAMS from start to finish. When we first signed up with them 2 years ago, our branch manager that was "supposed" to be looking after us had literally no idea what he was doing. Settlement almost didn't go through because of him!!! Absolutely clueless. Now 2 years on our experience hasn't gotten any better. We are refinancing with another bank (who have been amazing might I add) and again dealing with rude, slack, couldn't give a damn employees from RAMS has now lost them a loyal good paying customer.
... Read moreAbsolutely terrible. So rude and they don't care about customers. You ask for call backs and never get one, have to constantly follow things up yourself when its their job. Get told conflicting things from different people at the call centre then branch. Honestly im so happy to see the back of RAMS. Best decision we ever made was to leave them. Bye bye
Hi Jenny,
We appreciate your feedback and are so sorry to hear about your terrible experience.
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EXCELLENT SERVICE
RAMSWe happened upon a perfect house for us that was not planned. Thinking it was too early to move I contacted RAMS and Greg Sutton contacted me. From the first call I was very Impressed. We had an unfortunate event happen early on and Greg made constant contact to just see if we all ok and how things were. I was amazed by his efforts in helping us. Needless to say we are on our way into our new house and couldnt be happier.
Working in a senior position within a company i can only hope people get the same service he displayed from my staff.
Can not recommend Greg enough for his efforts and service. A credit to RAMS and a massive thank you from us.
Very helpful.
RAMSBig thank you to Darren from Rams Southern Vales. Great help and continued follow up through the whole loan application process. Rams also were able to make our loan happen when others couldn’t help. Thanks again and we wouldn’t hesitate to recommend Rams.
Cheers.
Unprofessional, slow and rude
RAMSWhile trying to settle on one property, Rams were so slow I almost lost the sale.
Application process for another property was again so slow that I almost lost the sale.
While refinancing to another lender, the process was again so slow and their customer service personnel were rude and admitted to holding up settlement just because they can.
GOOD BYE RAMS FOREVER.......
Hi Clubby,
So sorry to hear about your terrible experience.
If you would like us to investigate further, please provide your contact details via private message.
No thanks, I have wiped my hands of Rams and nothing could bring me back to you.
Most disappointing services!!!
RAMSWe need to lodge a complaint against your discharge service regarding the twice delays of the property owned by myself and the property owned by my husband.
On 24 Sep I sent the two Full Discharge Forms to you (not sure whether it's RAMS or your discharge agent) and received SMS confirmation that the forms have been received. However the settlement did not take place as scheduled on 10 Oct and we did not receive any notification about this delay at all until we were notified by our broker. We were told that the delay was due to information m
... Read moreissing from the discharge form. Our question is why this was not raised to us at all until the settlement was finally delayed?! And then the settlement has been re-booked on 15 Oct but it’s delayed again without any notice to us!!! This time we were told that the discharge form is out of date! Firstly nobody explain to us what “out of date” means. Secondly why this has not been brought up to our attention again until the last minute! I tried contacting RAMS discharge agent but was told that I need to contact RAMS directly, and then RAMS on the phone was not able to explain why we have never been notified about the two delays of settlement and the issues with the forms, and asked us to contact MSA which we heard of for the first time and according to RAMS it’s your solicitor. We are now lodging this complaint because: • I believe as RAMS customers we should only need to deal with RAMS but don’t have to know and deal with any other people behide the scene as your solicitor or agent. This has slowed down the process and caused confusion. • Discharge forms were provided to you on 24 Sep but it took 11 days for you to notify CBA the issue with the form. Why did it take so long?! And we as customers have never been notified about settlement delays and any issue with the forms at all. So far the matter has yet to be resolved. We still don’t know when our two properties can be settled. The delays may cause in rate rise if CBA announce rate rise. RAMS should be responsible for any loss incurred due to the settlement delayHi CCX,
So sorry to hear about your terrible experience.
If you would like us to investigate further, please provide your contact details via private message.
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Absolute disgrace!
Rams i trusted you over the years through an extensive relationship, however you have failed me might i add possible other clients that are yet to investigate or succumb to such re
... Read moresult, due to your greed and misleading plead of so called truth. Ppfft