Products & Services

At Efficient Finance we have access to a vast array of lenders, enabling us to tailor a loan package to suit the individual needs of all of our clientele.

Home Loans

With access to over thirty major lenders across Australia,  Efficient Finance matches the best products and services available with any or all of the following Home Loan requests:

  • First Home Buyers
  • Property Investment
  • Negative Gearing
  • Fixed or Variable Loans
  • Lines of Credit
  • Interest Only
  • Low Doc Loans
  • House and Land package loans
  • Rental Property purchases
  • Unit or apartment purchases
  • Off the plan purchases
  • ………………. And more.

Automotive Finance

Consumer Loans

  • This is the most common type of finance for private buyers, which offers the flexibility of fixed repayments and flexible loan terms ranging up to 7 years.
  • For those that are budget savvy, we can also accommodate balloon payments at the end of the loan term.
  • This type of loan gives you the ability to make extra repayments, thus reducing the total interest payable on your loan.

Commercial Hire Purchase

  • This is the most common option used for financing vehicles for Business Use and GST registered individuals.
  • With flexible loan terms ranging from 1 to 5 years and balloon payment options, this type of loan allows you to maximize tax deductions both in individual and business names.

Chattel Mortgage

A finance option with your business in mind, with the main benefit of being able to claim the GST  component of the motor vehicle upfront.

Novated Lease

  • This is a three way agreement between you, your employer and the finance company.
  • Your employer makes the repayments on your behalf before calculating your PAYE tax, saving you in the payments.
  • Should you change employment, the vehicle remains in your possession and you continue to make the loan repayments.