EFS's Directors and mortgage brokers are based in Sydney Newcastle and on the Sunshine Coast. They are able to meet with you at a time suitable to you, including evenings and weekends and at a location suitable to you. EFS have access to a network of lenders and up to date information to help create a tailor made loan suitable to your specific needs and circumstances. We understand that your first home loan will not necessarily be your last. We are your ‘ally’ through the maze of borrowing options and the buying process. By using our services, you will have a specialist dedicated to looking after your interests. Mortgage brokers also give you exposure to lenders that you might not be aware of and our experience saves you time and money. Our services are free to you because brokers are paid a commission by the lender after your loan settles.