Welcome to Effective Finance

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• Home mortgages
• Investment mortgages
• Business and personal leasing
• Commercial finance
• Insurance
• Financial advise

• New Product:
  Equity Finance Mortgage
  An EFM® allows you to borrow up to 20% of a property’s value. There is no annual percentage rate applicable to an EFM loan unless you are in default. You are not required to make any regular monthly interest repayments throughout the term of the EFM loan.
  
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