Where did EFM come from?

EFMs were originally designed and developed by Rismark International Funds Management Ltd (ABN 15 114 530 139 AFS licence number 293881) and its related entities on the basis of a revolutionary suite of affordable housing ideas first unveiled by the 2003 Australian Prime Minister’s Home Ownership Task Force (click here for a link to the Task Force’s radical report). For more information on the Task Force’s pioneering work and other EFM related articles, please refer to the Press articles section (a new window to Rismark International’s website will open).

Rismark’s intellectual property relating to the EFM product is protected by Australian Innovation Patent No. 2005100 871, Australian Innovation Patent No. 2005100 869, Australian Innovation Patent No. 2005100 868, Australian Innovation Patent No. 2005 100 867, Australian Innovation Patent No. 2005 100 865, and Australian Innovation Patent No. 2005 100 864.
Rismark is committed to fostering EFM opportunities, and if you would like to explore the possibility of licencing Rismark’s intellectual property, please do not hesitate to send an email to info@rismark.com.au.

For more information on Rismark International, please click here.

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.