Financial Services
RAM Properties connects buyers and investors across Brisbane, Ipswich and Logan with a trusted mortgage broker. RAM Properties does not lend money or arrange finance directly. Your broker holds the required credit licensing to compare rates, fees and loan types across lenders, while RAM Properties coordinates the introduction and keeps finance moving alongside your purchase.
Who This Is For
- Best for first home buyers in Brisbane who want a broker to compare loan options before applying
- Helps investors across Ipswich and Logan structure finance alongside a new purchase
- Ideal if you are upgrading and need a broker to compare refinance options
- Best for buyers of a house and land package who need finance staged across land and build contracts
- Suited to buyers already working with a RAM Properties agent who want one point of contact through to approval
Tell us about your borrowing goals and we will connect you with a mortgage broker suited to your loan type.
How It Works
- Tell us your borrowing goals. Share whether you are buying your first home, upgrading or investing, so RAM Properties understands what type of broker support you need.
- We connect you with a mortgage broker. RAM Properties introduces you to a trusted, credit-licensed broker suited to your goals and property type.
- Compare rates and loan types. Your broker compares rates, fees and loan types across lenders to match a loan to your situation.
- Apply with your broker’s support. Your broker guides you through the application and each lender’s requirements.
- Settle on time. RAM Properties stays in the loop with your broker so your finance timeline lines up with your purchase.
What’s Included
Coordination
- Referral to a trusted mortgage broker matched to your borrowing goals
- One point of contact through your RAM Properties agent for finance questions
- Finance timeline liaison alongside your property purchase
Compliance and Trust
- Rate, fee and loan type comparisons handled by your credit-licensed broker
- Loan application and lender requirements managed by your broker
- Your broker, not RAM Properties, holds the credit licensing to arrange finance
Coverage
- Available for buyers and investors across Brisbane, Ipswich and Logan
- Suited to first home buyers, upgraders, investors and house and land package buyers
RAM Properties vs Finding a Broker Alone
| Feature | RAM Properties referral | Finding a broker alone |
|---|---|---|
| Broker selection | Matched to your goals and property type | Independent research required |
| Single point of contact | Yes, through your RAM Properties agent | No, managed separately |
| Local purchase timing context | Brisbane, Ipswich and Logan factored in | Varies by broker |
| Finance timeline liaison | RAM Properties coordinates with your broker | You coordinate directly |
| Credit licensing (loan arrangement) | Held by your independent broker | Held by your independent broker |
Frequently Asked Questions
Does RAM Properties act as a mortgage broker or lender directly?
No. RAM Properties connects Brisbane, Ipswich and Logan buyers and investors with a trusted, credit-licensed mortgage broker. RAM Properties coordinates the introduction, while the broker compares rates, fees and loan types and arranges your finance.
What does a mortgage broker do when buying a house in Queensland?
A mortgage broker compares home loan rates, fees and loan types across multiple lenders, then manages your application and liaises with the lender on your behalf. Brokers must hold, or operate under, an Australian Credit Licence to arrange finance.
How does RAM Properties choose which broker to recommend?
RAM Properties considers your borrowing goals, whether you are buying your first home, upgrading or investing, and your property type, then introduces you to a broker suited to those specifics. You are free to choose your own broker instead.
Do I need a broker for a house and land package in Queensland?
Not necessarily, but many buyers use one. A house and land package often needs finance structured across separate land and building contracts, and a broker can help coordinate staged drawdowns with your lender. RAM Properties can introduce you to a broker experienced with this structure.
How much does using a mortgage broker cost?
Most mortgage brokers are paid a commission by the lender rather than a fee charged to you, though arrangements vary. RAM Properties does not charge for the referral. Ask your broker to confirm how they are paid before you proceed.
What is the difference between going direct to a bank and using a mortgage broker?
A broker compares loan options across multiple lenders, while going direct limits you to one lender’s products. Both paths require the loan to be arranged by a credit-licensed party, either the broker or the bank’s own lending team.
When should I speak to a mortgage broker when buying a property?
Speak to a broker before you make an offer, so you understand your borrowing capacity and loan options first. RAM Properties can introduce you to a broker as soon as you start planning your purchase.
Does RAM Properties help with finance for buyers in Ipswich and Logan, not just Brisbane?
Yes. RAM Properties covers the Brisbane, Ipswich and Logan council areas and introduces buyers and investors in each to a broker suited to their borrowing goals and property location.
Meet RAM Properties
Rose Truong, Principal and Buyer’s Advocate. Rose leads RAM Properties across the Brisbane, Ipswich and Logan council areas, working with local and overseas buyers on house and land packages and established homes. Rose is multilingual (English, Vietnamese, Cantonese and Mandarin), which supports overseas and multicultural buyers through the broker referral and finance process.
RAM Properties refers clients to independent, credit-licensed mortgage brokers rather than arranging finance in-house, so your loan is always structured by a qualified, licensed professional. Read more about RAM Properties.
Before you speak to a broker, you can estimate your stamp duty or calculate your loan repayments using RAM Properties’ free tools.