Having an EFM won’t stop you from accessing the equity that builds up in your home over time for other things like renovations, putting a deposit on an investment property or purchasing a car.

You won’t be able to increase your EFM loan amount, but subject to all the necessary credit approvals and compliance with the guidelines set out in the EFM Terms and Conditions Booklet , you can increase the amount you owe on your traditional home loan or refinance it to another loan.

 

 

 EFM Disclaimer:
This website does not take into account personal objectives, financial situation or particular needs. Cuatomers  should obtain a copy of the “Equity Finance Mortgage (EFM) Disclosure Document” and the “EFM Terms & Conditions Booklet”, and consider them before making a decision about whether to enter into an EFM. A copy of the EFM Disclosure Document is available on this website. Fees, charges, terms, conditions and lending criteria apply. Full details are available on application.
EFMs are arranged by Rismark International Funds Management Ltd ABN 15 114 530 139. AFS licence no. 293881 (trading as Rismark International). Permanent Custodians Limited ACN 001 426 384 is the lender.
® Equity Finance Mortgage (EFM) and EFM are registered trade marks of ARES Capital Management Pty Limited ABN 93 113 861 046.
TM Equity Finance Mortgage is a pending trade mark of ARES Capital Management Pty Limited ABN 93 113 861 046..
ARES Capital Management Pty Limited’s intellectual property relating to the EFM product is protected by Australian Innovation Patent Numbers 2005 100 871, 2005 100 869, 20058 100 868, 2005 100 867, 2005 100865, and 2005 100 864.