Melbourne east & north-east
Ringwood / Melbourne office
Waterman WorkspacesLevel 3, Eastland Shopping Centre
175 Maroondah Highway
Ringwood VIC 3134
ABOUT FRF · OUR APPROACH & TEAMRelationships first.
Relationships first.
People who listen.
Get to know our approach and the people behind your finance conversation. Clear explanations. Considered decisions. Support for the long run.
A real person
behind the process.
FRF has operated since 2011. Led by Chris Foster-Ramsay, the business helps households and business owners understand their lending choices and make considered decisions.
The starting point is not a product. It is your objectives, your circumstances, what you can manage and the flexibility you may need later.
We explain the options, the costs and the practical next steps. Where legal, tax or investment questions arise, those decisions need the right specialist advice alongside the lending assessment.
Sources & further reading
Prepared 4 October 2026. General information; check current rules for your circumstances.
YOUR FINANCE CONVERSATIONMeet Chris
Meet Chris
Foster-Ramsay.
Founder & Managing Director
Chris brings more than 21 years of finance industry experience, across lenders, mortgage aggregation, franchise businesses and his own advisory business. He founded Foster Ramsay Finance in 2011.
He works with first home buyers, families, property investors and business owners. His approach starts with understanding your circumstances, then explaining the lending options and their trade-offs.
Bring the questions you have been putting off. Whether your plans are taking shape or still some way away, the conversation starts with what matters to you.
Choose a time to talkExplore Chris in the mediaEXPERIENCE BEHIND THE BUSINESS
Meet Peter.
Business coach & advisory board member
Peter joined FRF in 2016 as an advisory board member and sales enablement coach. His experience spans financial services, horticulture and fast-moving consumer goods.
Working alongside Chris, Peter brings an outside perspective to business growth, client retention and practical improvements to the way FRF operates.
Peter supports the business behind the scenes. For your lending questions, start with Chris.
SUPPORT THROUGH THE DETAILSMeet our loan
Meet our loan
processing team.
Customer service & loan operations
Our loan processing team follows up outstanding information, coordinates with lenders and credit assessors, and tracks application milestones through to settlement.
There can be a lot to keep track of alongside work and family life. This is the team supporting the practical steps behind your application.
Contact our team
Meet Frankie.
Reception & calls from our office
Frankie is FRF’s AI assistant, helping answer calls and contacting people on behalf of our office. You may hear from him when we get in touch.
For a conversation about your lending needs, book a time with Chris. Prefer to contact the team in writing? Email hello@fosterramsay.finance.
What to expect when you meet with ChrisHERE FOR THE CONVERSATIONMelbourne & Geelong.
Melbourne & Geelong.
Two offices. One Family.
Meet us in Ringwood or Geelong.
Please arrange a meeting before visiting.
Phone and video appointments are also available.
Level 3, Eastland Shopping Centre
175 Maroondah Highway
Ringwood VIC 3134
Geelong, the Bellarine & Surf Coast
Geelong office
The Company Spot Co-WorkspacesFederal Mills precinct
33 Mackey Street
North Geelong VIC 3215
Hear from clientsRead attributed experiences and visit the original review sources.See the loan journeyFollow the steps from first questions to ongoing support.Support after settlementSee when it may be useful to revisit your loan.
Arrange a conversation with ChrisBring the question on your mind; we can work through what matters for your circumstances.Phone, video or office appointment. You can start with questions.
Choose a time with Chris ↗