To download a copy of the EFM Disclosure Document please click here.
The EFM Disclosure Document explains what an EFM is and how an EFM loan can help you to purchase a home when it is taken in conjunction with a traditional home loan, or how an EFM loan can be used to refinance an existing home loan or consolidate other debts.
You will find a number of practical examples of taking out an EFM loan, repaying an EFM loan and other events that may happen when you have an EFM loan such as renovating your home and borrowing more money.
The information provided in the EFM Disclosure Document is of a general nature only and does not take into account your individual objectives, financial situation or needs. You should therefore consider the EFM Disclosure Document before making any decision about whether an EFM loan is appropriate for you, taking into account your own needs and financial circumstances.
While the EFM Disclosure Document contains important information you need to know about an EFM loan and reminders of things you must do when you have an EFM loan, it does not replace your Loan Offer, which contains details specific to your EFM loan, or the Terms and Conditions Booklet, which sets out the terms and conditions on which we agree to lend to you, or the second mortgage over your property securing the EFM loan (the 'Mortgage') and any requirements you must meet or continue to satisfy.
The EFM Disclosure Document should not be relied on as a substitute for these other documents as it is not part of your legal contract in relation to the EFM loan.
To the extent that there is any difference between the information provided in this booklet and the information in the Loan Offer, Terms and Conditions Booklet, or the Mortgage, the Loan Offer, the Terms and Conditions Booklet (which together form the "EFM loan contract") and the Mortgage prevail.

 

 

 EFM Disclaimer:
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.