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Our promise to you.

At eFinance Home Loans (eFinanceHL) we have a simple philosophy; we must truly add value to the process of sourcing home loan and related products for our clients. In doing so, our consultants will at all times conduct business in a fair and ethical manner.

Your mortgage consultant is a trained specialist who aims to make the process of securing home finance easier by helping you to secure a competitive home loan from a panel of over 30 well-known banks and lenders.

About us and our service.

Is eFinance Home Loans industry-accredited?

Yes. We are a member of the Mortgage & Finance Association of Australia (MFAA). This means, prior to meeting our own strict standards, our mortgage consultants must meet a minimum industry standard based on experience and educational qualifications before they join our team. It also means they have undergone character checks, and adhere to an industry Code of Practice which ensures professionalism, ethical behaviour, transparency and a commitment to you, our valued client.

Does eFinance Home Loans offer a choice of lenders and products?

Yes. We act as an agent for a wide range of lenders and insurance companies. As of 1st September 2006 eFinance Home Loans has access to an extensive range of products from a panel of 30 residential lenders, including major banks, 10 commercial lenders, 2 Personal loan lenders, three deposit bond providers and two insurance companies.

Does eFinance Home Loans sell their own products?

No. The home loan products available via eFinance Home Loans are provided by a range of well known lenders and are among the most competitive on the market today, which means that your mortgage consultant is acting in your best interests by helping you to find a product suitable for your individual situation.

Why are consultations provided FREE of charge?

Our mortgage consultants are home loan experts with the knowledge and expertise that is required to provide lenders with superior quality home loan applications. The lender pays eFinance Home Loans a fee for introducing you. Neither the lender nor eFinance Home Loans charges you any additional fees to utilize our service for home loans only. There are fees for Personal and Commercial loans.

How does eFinance Home Loans get paid?

Upon settlement of your loan we receive commissions from the relevant lender. Our lenders pay eFinance Home Loans an upfront, one off commission fee within a range of 0.66% - 1.90% of the loan value, plus a trailing commission (paid for the life of the loan) of up to 0.55% per annum. From this we pay a % to our mortgage consultants. This fee is paid by the lender NOT by the client. (Commission rates were valid at time of printing. Rates are subject to change without notice.)

What should I expect from my mortgage consultant?

Your mortgage consultant is a trained specialist who aims to assist you to find the right finance package for your individual situation. They will:

Discuss your existing situation, your home loan needs and requirements and obtain all necessary information pertaining to your finance application.
Explain the types of finance products available to you from our panel of lenders.
Based on the information provided by you and utilizing specialized Home Loan Software, match your home loan requirements to a selection of home loan products offered by our panel of lenders.
Provide an overview of your Finance Structure incorporating the relevant fees and costs associated with your home loan application.
Once you have selected a relevant home loan product, your mortgage consultant will provide an in-depth overview of this specific product further outlining the details of your finance application.
Complete and package your finance applications and deliver it to the lender’s assessment team on your behalf.
Act as an intermediary between yourself and the lender and answer any questions the lender’s assessment team may have with regards to your application. They’ll keep you informed of your application’s progress right through to settlement.
Assist with any future finance requirements, whether you wish to change or perhaps top up your loan.

Satisfaction Guaranteed.

At eFinance Home Loans we pride ourselves on the professional standards and conduct of our staff. In line with our promise to you, our team members are required to act in your interests at all times in their endeavour to provide you with the highest quality home loan service. If for any reason you are unsatisfied with the level of service provided we’d like to know about it and furthermore, resolve your issue.

What should you do if you’re not satisfied?

If you have a complaint about the home loan service provided to you, we will endeavour to resolve your complaint quickly and fairly. We ask that you take the following steps to assist us to do so:

1 Contact the mortgage consultant with whom you have been dealing.

2 If your complaint is not satisfactorily resolved within 14 business days, please lodge your complaint in writing to:

eFinance Home Loans
P.O. Box 943
Strawberry Hills NSW 2012
Email: [email protected]
Phone: 02-9281 8001
Fax: 02-9281 8002

3 If you still do not receive a satisfactory outcome, you have the right to contact the Credit & Investments Ombudsman Ltd (CIO), an independent external dispute resolution service of which eFinance HL is a member. Contact details are listed below:

Credit & Investments Ombudsman Ltd
PO Box A252
South Sydney NSW 1235
Phone: 1800 138 422
Fax: 02 9273 8440

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