https://www.efinancial.com.au/home daily 1.0 2022-08-11 https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1596431390646-LYAVNWNZ20KRNO35QDZ0/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1596431332876-BEA5U3MH0KOEFLRNCPJ8/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1596431360347-KZOTHLWI64D2HXV5PZML/image-asset.jpeg Home https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1596431556329-RQ1LLNIMVEPSCMRTA7ET/image-asset.jpeg Home - We get it… You just want your loan approved so you can finally own the property of your dreams, or add a second or third to your portfolio. But the current climate has made it almost impossible for you to get access to the money that you need to achieve those goals. What’s worse is the time it takes to submit a loan only to have it rejected and you are back to square one! It just doesn’t have to be this hard! At Essential Financial Strategies, we make this process a breeze by taking all the boring bits off your hands. We have relationships with over 30 lenders. We know what will get approved and what won’t so we save you time, money & frustrations. Let us help you! https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1660202477411-55Z9L6JCODPXZHYYXPNW/unsplash-image-FwdWO5yEo5s.jpg Home https://www.efinancial.com.au/faqs daily 0.75 2020-09-09 https://www.efinancial.com.au/services daily 0.75 2020-09-09 https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599640190686-8YILJYUPMSHZA9MX5SSV/The-Loan-Eliminator-min.jpg Services - The Loan Eliminator The Loan eliminator is a specialised loan designed for property investors that also have an owner-occupied loan. It allows you to minimise the interest you pay on your owner occupied home loan and shift this interest to your investment portfolio enabling you to reduce your owner occupied home loan at a lot faster rate. The Loan Eliminator has been approved by the Australian Tax Office. Schedule a call to organise a free assessment as to how the Loan Eliminator will work for you. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599637336216-Z0E7G9R0YCABDF80YAU6/image-asset.jpeg Services - Home Loans The home loan market is now more competitive than its ever been. EFS has accreditation with in excess of 30 different lenders. With more and more lenders entering the marketplace it’s a complete maze as to whose going to lend you the money for your dream property. Should I fix my interest or stay variable? Should I have an interest only or principle & interest loan? EFS will guide you through this maze and present the best options available to you. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599648752399-WGR6TOFX69ZO2CV6WHQU/Depositphotos_31144779_l-2015-min.jpg Services - Investment Loans Whether you are looking at property investment for the first time or have extensive experience in property investment, EFS are the people to speak to regarding your investments finance. Unlike the majority of mortgage brokers who focus on refinancing or first homebuyers, our priority is helping people establish their investment property portfolio. With extensive knowledge of the industry and our own first hand experience, we can show you how to structure loans to minimize risk and maximize returns. Benefits you will receive by using EFS rather than going to the bank are as follows. By consolidating credit card debt or a car lease can free up hundreds of dollars each month to put toward a future investment or holiday. One of our consultants would be happy to look at your current situation and show you the different options that you have. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599648662306-U7RZI5Y2IX23TBIUADYW/Depositphotos_109170874_l-2015-min.jpg Services - Refinance EFS has access to over 30 different banks and lending institutions so we can guide you through the maze of thousands of different loan products to find what is the best for your individual needs. It is important to know what different features loan products have to know which one is right for you. There are some amazing offers currently available and many banks will pay you thousands of dollars for just refinancing your loans to them. We look to source the loans with the lowest possible interest rates and least fees and charges. By offsetting your income against your loan you can save thousands of dollars and cut years off your loan term. By reducing your interest rate we can show you how much of your day to day cash flow you can free up. By consolidating credit card debt or a car loan can free up hundreds of dollars each month to put toward a future investment or a holiday. One of our consultants would be happy to look at your current situation and show you the different options that you have. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599638594876-1VWZCILS3B9HZF6A2GP5/image-asset.jpeg Services - Commercial Loans Whether you’re an experienced business owner or new to Commercial Lending, dealing with the banks can take its toll. Let us at EFS do the hard work for you. Commercial Loans come in many forms, the most common is secured loans but you may not be aware that lenders also offer partially secured & unsecured loans. One of our consultants can talk you though the best structure for you. Schedule a call from EFS if are you interested in: Investing in a Commercial Property Buying or refinance your Business Property Development and Construction Loans Obtaining Working Capital https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599648695768-G8AYTJHDXGB0ZTUD7IF8/Depositphotos_36647985_l-2015-min.jpg Services - SMSF Loans For people with a Self Managed Super Fund (SMSF) it has become more and more popular in recent years to borrow money in your SMSF to purchase property. EFS has the appropriate commercial accreditation to source the best funding available for this purpose. The legislation and policies with SMSF lending are constantly changing, and EFS can make this process easy for you as we are always across these changes. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599648713320-J5B8DPP6MCE5RGPGA91T/Depositphotos_78287140_l-2015-min.jpg Services - Low Doc Loans Due to the lending industry becoming far more competitive in recent years a large number of loan products have become available for people who are unable to provide proof of income. Traditionally these loans have been at very high interest rates but due to EFS's access to over 30 different banks and lending institutions, we can now do the leg work for you and shop around for the best rate. Whether the loan be for refinancing to a better interest rate, investment or business purposes we will tailor the loan to suit your individual needs. We show you how much money you need to purchase your home and what the ongoing costs will be. From our range of over 30 different banks and lending institutions we will guide you in getting the best possible interest rate with the features you need to pay off your home as quickly as possible. https://images.squarespace-cdn.com/content/v1/5f13d8f55e8fb4756df614b7/1599638947722-CLP527V6W0USHZH8L8PF/image-asset.jpeg Services - Private Loans Are you looking for funding solutions and finding it a challenge dealing with the traditional lenders? Private Lending Solutions is the path of least resistance and at EFS we have aligned ourselves with a small group of Private Lenders who have provided solutions to many of our clients. If your looking at obtaining funds for Property Development, Construction Loans, and subdivisions, then an EFS consultant is available to talk you though your options. https://www.efinancial.com.au/why-us daily 0.75 2020-09-09 https://www.efinancial.com.au/contact daily 0.75 2020-09-09 https://www.efinancial.com.au/contact-1 daily 0.75 2025-06-10