2009 Australian Business Award for Innovation Rismark International ("Rismark") has been awarded the 2009 Australian Business Award for Innovation. The Australian Business Awards recognise organisations that demonstrate the core values of business excellence, product excellence, sustainability and commercial success in their respective industries. The 2009 Australian Business Awards were selected from a field of 928 entrants across various industries. A spokesperson for the Australian Business Awards said, "The 2009 Awards attracted a very high standard of entries from the Australian business community in times of great change. This year's winners displayed exceptional performance and leadership in their respective industries, and are role models for any organisation striving for business and product excellence."

MFAA Mortgage Manager of the Year 2009 Australian shared equity pioneer, Rismark International, has won a major industry award, with the Mortgage & Finance Association of Australia (MFAA) presenting the company with the "Mortgage Manager of the Year - 2009" award in the MFAA's annual 2009 Excellence Awards. Announced at the MFAA gala dinner in February 2009 in Sydney, the MFAA recognised Rismark's "outstanding overall achievement" in managing a multi award-winning, revolutionary shared equity mortgage product that has no interest rate and assisting the broader industry during the global financial crisis by developing a policy that the Federal Government backed by investing $8 billion into the mortgage securitisation market.

Money Magazine's - Best New Product of the Year 2008 Money Magazine has announced in its flagship 'Best of the Best' awards edition that it has selected Rismark's Equity Finance Mortgage (EFM) as the 'Best New Product of 2008'. In the award summary, Money Magazine says: "Rismark's Equity Finance Mortgage is a welcome first for battlers wanting to jump into a home of their own. In partnership with Adelaide Bank (and now distributed through various mortgage managers and banks), Rismark gives home owners an opportunity to call on a 'silent partner' to help reduce the upfront and ongoing costs of buying a home. "An innovative product that addresses the issue of housing affordability" says Cannex."

Mortgage & Finance Association of Australia – Non-Bank Lender/Mortgage Manager of the Year 2008 Australian Banking & Finance Magazine has announced that it selected Rismark International as the "Best New Financial Start-Up of 2007". They commented: "In January 2007, Rismark launched Australia's first private sector "shared equity mortgage" in conjunction with Adelaide Bank. Hundreds of families have now taken up Rismark's EFM throughout every mainland capital city in Australia to either purchase a 25% better property located in a more attractive area, or to reduce their monthly mortgage repayments by up to 30% or more.

Your Mortgage Magazine's - Best New Product of the Year 2007 Your Mortgage Magazine announced in its flagship Mortgage of the Year Competition edition that the "Best New Product of 2007" award went to Rismark's innovative new Equity Finance Mortgage (EFM): "The shared equity mortgage uses a unique partnership between an equity provider and a traditional lender to put together a previously unseen package for the borrower. The idea of a lender taking an equity stake in your home may seem bizarre, but it's allowing homebuyers to buy more expensive homes or re-mortgage their existing home at a lower level."

Australian Banking & Finance Magazine's - Best New Financial Start-Up in 2007 Australian shared equity pioneer, Rismark International, has won a major industry award, with the Mortgage & Finance Association of Australia (MFAA) presenting the company with the “Non-Bank Lender or Mortgage Manager of the Year – 2008” award in the MFAA’s annual 2008 Excellence Awards. Announced at the MFAA gala dinner on the 29th of February 2008 in Melbourne, the MFAA recognised Rismark’s “outstanding overall achievement” in establishing itself as a leading non-bank operation and launching a multi award-winning, revolutionary shared equity mortgage product that has no ongoing interest rate. Managing Director of Rismark, Mr Christoper Joye, said “As the pioneer of shared equity opportunities in Australia we are delighted to be recognised by the MFAA as Non-Bank Lender or Mortgage Manager of the Year in 2008”.

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.

Note: This example excludes application fees and other fees such as valuation fees, account keeping fees, transaction fees and lenders mortgage insurance (if applicable) as well as transaction costs associated with refinancing a home loan such as stamp duty, government fees, conveyancing fees and stamp duty on lenders mortgage insurance. For any additional assumptions used in calculating this example please refer to the assumptions page.