Modelling wheel-rail contact within multibody simulation environments usually requires additional libraries or methods for handling creepage. Although specialised software such as Vtech CMCC CONTACT.dll allows for a precise contact discretisation it is time consuming and therefore not applicable for real-time capable models required for hardware-in-the-loop. Therefore, this paper introduces a new method that facilitates a fast wheel-rail contact analysis in MATLAB® Simulink® without introducing co-simulation. The new approach allows for the use of recorded real wheel/rail surfaces from laser scans and enables real-time simulations carried out on a dedicated Real Time Target Machine (RTTM) from Speedgoat. This paper presents the wheel/rail profile description method with the optional use of real laser scans and compares it to a Simpack model in a benchmark. By meshing rail profiles as surfaces and describing wheelsets as a point cloud in Simulink® Simscape, it becomes possible to simulate a hydraulic-mechatronic active steering system with individually suspended single-driven wheels, integrated into a modified tram in Zurich.