- What is an EFM?
- How can I reduce my repayments?
- How can I get a larger home?
- How can I reduce my purchase costs?
- How an EFM works over time
- EFM costs if a home value rises
- EFM costs if a home’s value falls
- Who is eligible?
- Home Improvements
- Borrowing in the future?
- Other benefits of an EFM
- Q & A
- EFM Disclosure documents
- Assumptions
- Where did EFM come from?
EFM Calculators
IDEN EFM Calculator
Fees, charges, terms, conditions and lending criteria apply. Full details are available on application.
EFM loans have been developed by and will be provided by Rismark International Funds Management Ltd ABN 15 114 530 139. AFS licence number 293881 (trading as Rismark International). EFM loans are offered in conjunction with certain traditional home loans offered by approved lenders and their originators. Rismark has appointed Adelaide Bank Ltd ABN 54 061 461 550 AFS licence number 240516('Adelaide Bank') as an approved lender. Adelaide Bank and its originators ('Adelaide Bank originators') will distribute and manage EFM loans. Iden Group has been appointed as an Adelaide Bank originator. Rismark has appointed Permanent Custodians Limited ACN 001 426 384 ('Permanent') as lender of record, custodian and mortgagee for Rismark. This means Permanent will enter into the EFM loan contract and Mortgage on behalf of Rismark.® Equity Finance Mortgage (EFM) and EFM are registered trade marks of ARES Capital Management Pty Limited ABN 93 113 861 046.