Buying a home is the priority of many Australians, yet saving for the down payment may appear impossible especially as home prices are going up all over the country. No deposit home loans Australia is where that leaves driven buyers with good budgets or family help. Knowing No Deposit Home Loans Australia A no deposit home loan allows you to purchase a property with no payment of the normal upfront deposit usually 5%-20% of the cost. Sounds wonderful, but be aware that these types of loans are not standard and have more READ MORE

Many Australians face the challenge of securing loans with less-than-perfect credit. If that’s something holding you back.  Here’s the good news: Accessibility to secure bad credit car loans in 2025 has increased. For that, you should have the right information and clarity on what’s out there. Have a look at how to increase your chances of fast approval, what lenders look for, and what to avoid when applying for car loans for bad credit. What Are Bad Credit Car Loans? Bad credit car loans are financing options specifically designed for individuals with a READ MORE

Are you a first-time home owner in Australia who wishes to save and invest for your future? With Efficient Capital, you are presented with the best refinance home loans, supported by expert counsel and special market deals, tailored to first-time home owners. Why Refinance Your Home Loan? Best refinance home loans allows you to get a new mortgage to replace an existing mortgage, typically for better terms, a lower interest rate, or features that fit your specific needs. Lenders often compete to lend you money at the moment you refinance and interest READ MORE

Investing through a self managed super fund (SMSF) is a mainstream strategy for those Australians who seek greater control of their retirement wealth. However, using your SMSF to invest in residential property especially through SMSF loans is a costly, long-term action. Here we explain how such a practice tends to go wrong, and how Efficient Capital can help you make wiser financial decisions. What Is a Self Managed Super Fund (SMSF)? A self managed superannuation fund is an individual superannuation fund that is controlled by a trustee and provides greater investment flexibility READ MORE

Let’s face it, credit cards can be super handy. Whether it's for rewards points, cashback, or just buying yourself some extra time before your next payday, Aussies love the flexibility. So it’s no surprise that many homeowners eventually ask: “Can I pay my mortgage with a credit card?” The answer? It’s not a straight yes or no, but we’ll break it down for you. Can You Pay Your Mortgage with a Credit Card in Australia? Technically, most Australian lenders don’t accept direct mortgage payments via credit card. Mortgage providers usually want payments through READ MORE

The Reserve Bank of Australia (RBA) continues to surprise home owners, investors, and economists alike, as they once again made news with their monetary policy announcement. At its July 2025, monetary policy meeting, the RBA Australia firmed up the positions of many observers, leaving the official cash rate at a constant 3.85%. This was preceded by considerable speculation of a cut to 3.60% with some commentators expecting the decision of RBA Australia to be a token observed 25-basis-point cut. The unexpected pause, out of complete left field, has already started READ MORE