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To download a copy of the EFM Disclosure Document please click here.
The EFM Disclosure Document is available from one of our accredited lenders. 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.
Please carefully read and review the EFM Disclosure Document available on this website or through one of our accredited lenders. This website does not take into account your personal objectives, financial situation, or particular needs. You should obtain a copy of the EFM Disclosure Document (available on this website) and the EFM Terms and Conditions Booklet from one of our accredited lenders and consider them before making a decision about whether to enter into an EFM. |
Copyright 2008 Rismark International. All rights reserved. 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) ('Rismark', 'we', 'us' or 'our'). EFM loans are offered in conjunction with certain traditional home loans offered by approved lenders and their originators. Rismark has appointed Adelaide Bank a division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFS licence number 237879 ('Adelaide Bank') as an approved lender Adelaide Bank and its originators ('Adelaide Bank originators') will distribute and manage EFM loans. Rismark has consented to Adelaide Bank and Adelaide Bank originators branding EFM loans as Adelaide Bank or Adelaide Bank originator-branded EFM loans. Rismark may over time also appoint other financial institutions to distribute and manage EFM loans. 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.(R) 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 ABN 93 113 861 046 intellectual property relating to the EFM product is protected by Australian Innovation Patent Numbers 2005100 871, 2005100 869, 2005100 868, 2005100 867, 2005100 865, 2005100 864, 2007100 445, and 2007100 448.
