RAMS Financial Group Pty Limited

Financial Services

At RAMS we're Greater Together. We've helped hundreds of thousands of Australians realise their home buying dreams. We're looking for new RAMS franchisees keen to help and support customers on their home buying journey. Key benefits:

- Build a business for yourself, but not by yourself

- Strong upfront and trail commission

- Multichannel National Marketing plan, and Local Area Marketing support

- Designated Territory Ongoing Training & development

- Build your own successful and motivated team

- Support your local community

- Enjoy the comradery of a large RAMS family

- RAMS is owned by Westpac, Australia's oldest company.

Financial Services
Business Established
Units / Locations
FCA Member
Agreement Terms
5 years
Average Set up Time
3 months
Ratio of Support Staff per Franchisee
7 head office teams support each franchisee

Initial Investment

$200,000-$400,000 working capital requirement


Induction program followed by a 6 month on boarding & mentoring program. Continual professional development programs from experienced trainers as well as hundreds of online training modules to choose from

Marketing Support

Always On National marketing program to support your Local Area Marketing. Opt in Marketing initiatives to save you time and money, and dedicated Local Area Marketing Managers to help bring your marketing strategy to life.


- Australian Lending awards Best Self Employed Lender 2017-2020.
- Franchise Council of Australia (FCA) Excellence in Franchising Awards - Julie Lawrence Finalist for QLD Franchise Woman of the Year.
- Franchise Council of Australia (FCA) Excellence in Franchising Awards - Justin & Jeremy from Hawkesbury/Blue Mountains National Single Unit Franchise of the Year, 2 or more staff.
- Franchise Council of Australia (FCA) Franchising Awards Excellence in Franchise Innovation Winner - RAMS Construction Loan Proposition.
- Franchise Council of Australia (FCA) Excellence in Marketing - Finalist RAMS Marketing Team.

Business Model

The RAMS brand is a key competitive strength. RAMS is unique. Residential mortgages is all we do, which makes us experts at helping customers into their new home.  The RAMS model seeks to leverage Franchisees being recognised in their local community and respected for assisting customers who need more help such as first home buyers and self-employed customers. RAMS distribute our own mortgage products provided by Westpac, so you only need to be across one credit policy and product set, giving you greater capability and deeper knowledge to help customers.

RAMS encourages continuous improvement by offering regular webinar based credit workshops and one on one coaching over the phone. As a RAMS Franchisee, you'll enjoy direct access to Head Office staff, including the RAMS Leadership Team, so you're always welcome to contribute ideas and share your thoughts with the key decision makers.

Main Cost

Staff, branded car, shop front

Main Products or Services

Residential home loans and deposits - number of products varies

Future Plans

Since 2008 RAMS has built a loan book value in excess of $32 billion.  As a RAMS Franchisee you'll have the privilege of assisting customers with one of the biggest decisions of their lives.

As residential mortgage experts, RAMS Franchisees take pride in helping customers who need more help, including:

- First time buyers looking to buy or build

- Self-employed customers that may have complex home lending needs

- Homeowners looking to renovate or upgrade their home

- Investors looking to build a property portfolio

- Refinancers searching for a better deal

- People wanting to build a new property from the ground up.


RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit provider and issuer of RAMS deposit products: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714


"If you want to be part of an organisation where people want to help you succeed, you should join RAMS."

Julie Lawrence

Redlands, QLD