Every Major Financial Move Starts With The Right Partner
Efficient Capital Solutions provides strategic lending support designed around your business, wealth, and life goals.
Behind Every Financial
Decision Is A Bigger
Picture
At Efficient Capital Solutions, we take the time to understand where our clients are today, where they want to go, and how finance can support that journey over time.
Whether you're buying your first home or growing a business, the right solution starts with understanding the full picture. That means fewer assumptions, clearer communication, and lending strategies built around long-term outcomes rather than short-term transactions.
Based in Sydney.
Supporting People &
Businesses Across
Australia.
From residential lending to complex commercial
finance, every solution is structured around your
broader objectives.
Investment
Lending
Home &
Investment
Lending
Whether you're purchasing your first home, expanding an investment portfolio, or refinancing existing lending, we help structure solutions aligned to your long-term financial plans.
Business
Finance
Commercial &
Business
Finance
Finance structured around the broader direction of your business — supporting growth, operations, acquisitions, and future opportunities.
Finance
Development
Finance
Clear, structured funding support aligned with project planning, timelines, and execution requirements.
Lending
SMSF
Lending
Specialist lending guidance tailored to self-managed super fund investment strategies and compliance considerations.
Solutions
Working Capital
Solutions
Flexible funding solutions designed to support day-to-day operations while maintaining cash flow and operational stability.
Lending
Private
Lending
Alternative lending pathways explored where timing, structure, or complexity requires a more flexible approach.
Built On Expertise.
Driven By Your Goals.
We believe better lending outcomes come from
understanding people, not just applications.
Strategic Thinking
We look beyond short-term lending outcomes to structure finance that supports your broader financial direction over the years ahead.
Tailored Lending
Structures
Every client situation is different. We take the time to understand your goals, financial position, and future plans before recommending a pathway forward.
Clear, Guided Process
Finance can become overwhelming when communication lacks structure. We keep the process clear, transparent, and well-managed from beginning to end.
Long-Term Partnership
Our relationship with clients does not end at settlement. We continue to review, refine, and support lending strategies as circumstances evolve.
Expertise Across
Complex Lending
From residential lending through to commercial, development, SMSF, and specialist finance, we help clients navigate more sophisticated lending scenarios with confidence.
Professional Guidance With A Personal Approach
We combine technical expertise with genuine client care — ensuring every interaction feels informed, supportive, and considered.
A Clear And Structured
Approach To Finance
We help you move through each stage of the lending process
with greater clarity and confidence.
Understand
Your Goals
Every engagement starts with understanding your current position, future plans, and what you are ultimately trying to achieve.
Assess
Structures &
Scenarios
We evaluate lending structures, lender policies, and financial scenarios to identify solutions aligned to your objectives.
Manage The
Lending Process
From documentation through to lender communication and settlement coordination, we manage the process proactively and transparently.
Continue
Supporting You
Over Time
As your circumstances evolve, we remain available to review lending structures, explore opportunities, and help ensure your finances continue to support your goals.
Lending Guidance
Built Around Real-
World Outcomes
We believe strong client relationships are built through transparency,
consistency, and genuine support throughout the lending journey.
I had a great experience with Efficient Capital Solutions. Josh and Aakash were extremely professional, hardworking, and supportive throughout the entire mortgage process. I started the process only one month before the SMSF deadline, so there was a lot of pressure to get everything approved on time. Josh , Aakash and Sarah worked very hard, kept me updated, and made the whole process smooth and stress-free. Thanks to their dedication and quick response, everything was approved in time and I was able to secure my brand-new property. I truly appreciate their effort, professionalism, and commitment to helping me achieve my goal. I would highly recommend Efficient Capital Solutions, Josh, and Aakash to anyone looking for a reliable and professional mortgage broker.
Very professional , and easy to deal with. I am looking forward to do more deals with them.
I have been a client of Efficient Capital since July 2023, when they assisted me with securing finance for the purchase of my land. Since then, they have continued to support me through every stage of my property journey, including arranging my construction loan, refinancing to more competitive interest rates, coordinating property valuations, and more recently assisting with converting my loan from investment to owner-occupied. Throughout this time, the team has consistently demonstrated a high level of professionalism, expertise, and commitment. They are thorough in reviewing all documentation before submission, ensuring everything is accurate and complete, which has helped avoid unnecessary delays and made the entire lending process seamless. I have had the pleasure of working with Rohit Lakhotia, Sarah Sun, and Darren Mah, and each has provided outstanding service. They have always been responsive, proactive, and dedicated to securing the most competitive lending solutions available. Their communication has been excellent, and they have taken the time to explain each step of the process, giving me confidence from start to finish. My experience with Efficient Capital has been exceptional, which is why I have confidently recommended them to my brother and several friends. They have all been equally impressed with the professionalism, knowledge, and level of service provided. I highly recommend Efficient Capital to anyone looking for a trustworthy and knowledgeable mortgage broker. Their customer-focused approach, attention to detail, and commitment to achieving the best possible outcomes make them a pleasure to work with.
Josh and the team at Efficient Capital are extremely easy to work. Highly recommend! Professional, knowledgeable and made the whole mortgage process smooth and stress free. Great communication from start to finish.
I have very nice experiance throught my stage loan experiance. Quick call back and explantion of process is tharough and clear. Competitive intrest rate. Happy to go againe.
Highly recommended efficient broker
Excellent, proactive and professional team. Always eager to listen and provide tailored solutions.
Highly recommend Efficient Capital solution team. As a first time home buyer they made the entire loan process effortless and stress free. They went out of their way to ensure everything was sorted out. Addressed all my queries in timely manner. Exceptional service and great communication thoughout!!
The service provided by Josh & his team is absolutely amazing. From great communication to a solution based approach in providing the best outcome for my financing requirements, 'Efficient Capital' have truly lived to their name. Thank you.
Was a very efficient process. Communication was great with myself. Highly recommend
The best process and very smooth operation
Great Service. Very professional and helpful. Always helping to get the best outcome.
Very impressed with the service and kind staff.👍
I'm not in NSW but I've used this company twice. Josh helped the first time and Darren more recently. Wonderful people, wonderful service. Thank you!
Entire process was made easy Darren was very helpful presented us with various options , help take informed decisions, followed up every step and is very quick to respond to every email/ prop valuation requests etc even during odd hours and weekend (when we needed it the most! ) entire team is outstanding guided every step with valuable advice- yes highly recommended
Efficient Capital Solutions, staffs are very professional, very helpful , knowledgeable and very supportive.
It was managed by efficient capital very efficiently (As the name suggests). Highly recommend Efficient capital for all your mortgage needs. Thanks to Darren for his prompt responses and help during this period.
Working with Joshua and his team was an absolute pleasure. The entire process was smooth and stress free, and the team was very supportive throughout. I truly appreciate their transparency and prompt responses to all my questions. Highly recommend them for any financial or loan-related needs!
Absolutely stunning work done by Darren throughout the process. The communication, planning and decisions. He is very responsive with good recommendations. Efficient - You have a great asset, don't lose him. I definitely recommend to everyone. We were not having any clear directions before and this was our first home loan. We are always thankful to you.
I am writing this After 2 months post successful refinancing of my loans to share my candid and honest experience. After nearly a year finding Efficient Capital Solutions was a breakthrough. Principal Rohit immediately understood the complexity of my case, which was the crucial first step. Aakash then provided patient, guidance throughout the application process, ensuring everything was smooth. Post-approval, Sarah was incredibly efficient in finalizing all the details. This team—Rohit, Aakash, and Sarah—made the impossible possible. Genuinely appreciative and extremely satisfied! Highly recommend their professional service.
Rohit and his team provided exceptional service from start to finish. They were incredibly knowledgeable, always available to answer our questions, and genuinely dedicated to achieving the best possible outcome for our loan. We highly recommend them.
Thanks for your help. Was able to getting a decent amount of borrowing directly by using them
Efficient Capital Solutions – Over-the-top excellent service and the best team in Australia. Joshua Martin, Aakash Agarwal, and Sarah Sun are knowledgeable, friendly, and incredibly efficient. A special thanks to Aakash for going above and beyond—his guidance, responsiveness, and professionalism made a remarkable difference throughout the process. They found the best options for my situation and ensured everything was completed on time. Their help made the entire experience outstanding from start to finish. They explained every step clearly, were always available to answer questions, and made the whole mortgage process smooth and stress-free. We’re truly grateful for their support and highly recommend them to anyone looking for a mortgage broker. “Exceeding the five-star standard.”
We have had great experiences with the team at Efficient Capital Solutions. From buying our first home to refinancing, they have provided helpful advice and made the process simple and transparent with regular check-ins. They were able to help negotiate a better rate than the banks initial offer at a very competitive position in our refinancing. I would be happy to recommend them.
Darren from Efficient Capital Solutions was outstanding. He helped us secure an SMSF loan quickly and within tight timelines, which made it possible to finalise our purchase without any delays. This was done with not just one but 2 lenders in no time. Highly professional and responsive—highly recommended!
Efficient Capital Solutions made obtaining a loan for my new investment property so easy. In particular, Darren was amazing in providing me any help and guidance throughout the process. Any questions I had, Darren would be able to explain it to me and made sure I felt comfortable with the decisions we were making. I loved their service and will for sure be returning for any other loans I get in the future!
We recently worked with Rohit, Darren and Sarah from Efficient Capital Solutions on both a home loan and a commercial finance deal, and we couldn’t be happier with the experience. From the outset, they were professional, approachable, and incredibly knowledgeable across both residential and commercial lending. What really impressed us was their deep understanding of the various finance options and ability to provide us with a tailored solution after taking the time to understand our home finance and business needs. Their strategic advice helped us secure a great outcome that we likely wouldn’t have achieved on our own. They were also consistently responsive and transparent throughout the process, keeping us updated at every step and making what can often be a challenging experience feel straightforward and well-managed. If you’re looking for a broker who genuinely knows their stuff — especially when it comes to more complex or commercial lending — we would absolutely recommend Efficient Capital Solutions. A strong team of finance experts who know their stuff, are ethical and who consistently achieve great results for their clients.
Most impressed with the communication and efficiency from Efficient Capital Solutions who made our current investment property purchase so easy, they definitely live up to their name. In particular we wish to say a huge thank you to Josh Martin who was introduced to my wife and I through our kids who have been lucky enough to purchase several investment properties with Josh's assistance. Highly recommend Josh, Hajrah and team and looking forward to using Efficient Capital Solution when purchasing our next property, Mick & Kris North
Can not recommend Josh & the team enough! He listened to what we needed, and has been amazing at sorting everything for us to make purchasing a stress free experience. Great, swift communication and action has been the highlight. Highly recommend.
Josh and the team at Efficient Capital Solutions have been amazing! Both my partner and I are sole-traders and expected the process of getting a mortgage to ver hard. Josh literally made the whole process so easy and provided us with so many different options, I would highly recommend them if you're looking for a mortgage broker.
Outstanding Service From Joshua and his team , I Have referred clients, Family and friends because i know they will get premium service...........Well Done...
Thank you to Josh and Hajrah for all their help, this was my first time at going through this whole procedure and they made it so easy for me. Would highly recommend.
Efficient Capital Solutions is, hands down, the best financial lending service partner I’ve ever worked with. Offering a comprehensive service portfolio for personal, business, and investment needs, they tailor solutions that align perfectly with my goals. Their team is incredibly responsive and always ensures everything is managed efficiently on my behalf. The challenge of juggling multiple financial requirements for both business and home when time is limited can be overwhelming, but with ECS’s support, the process is streamlined and straightforward. I highly recommend them to anyone seeking expert, diverse, and reliable lending services.
Nice work by the Team
Fantastic experience with Efficient Capital Solutions, wouldn't go anywhere else. Excellent communication every step of the way, happy to answer any and all questions and explain everything. 100% recommended, very smooth and easy process with them.
Rohit and his team are complete and utter professionals. They have been incredibly helpful in getting me multiple loans, for both commercial and residential needs.
Josh and his team have been fantastic throughout the whole process. He come with a wealth of knowledge and understanding of the current financial market. Highly recommend.
Joshua and his team provide excellent home loan advice and brokerage services. The team are highly professional, maintained excellent communication throughout the process of refinancing, were always responsive to my questions. I highly recommend Efficient Capital Solutions for home loan broker services.
Josh at Efficient Capital Solutions has always been prompt, courteous and incredibly helpful and patient as we have had to work through situations. We have been with Josh for at least 5 years - maybe more, and would not consider changing as his service has been impeccable.
The Efficient Capital Solutions team helped me get my investment loan. Darren provided exceptional services, understanding my strategy and objectives that I wanted. The team were constantly keeping me in the loop with the loan process and giving updates. They always answered my phone calls with any questions that I had. I couldn’t be happier with their service and have recommended them to all my friends. I will also be using their services for my future loans. A big thankyou to the team for their help.
We recently refinanced our loans with Efficient Capital Solution and couldn't be happier with the experience. The team were exceptional throughout the process. They were professional and proactive, and kept everything on track with clear and timely communication. The whole process was smooth, stress-free, and handled with care. Highly recommend their services!
Very happy with the service. Had purchased the house in 2022 with their help with mortgage. After 2 years, Hajrah helped us get a better interest rate with the same bank without any hassle. Recommend them. Update May 2025 - Excellent service as before. Darren helped in refinancing our home with the most achievable equity.
Very professional service. Rohit is absolutely brilliant and has been available with clear information. I would like to thank Rohit and team for their help, understanding and knowledge. They have made the whole process simple and straight forward for us with easy read documents and phone calls reassuring. Extremely happy with service provided and the outcome.
Rohit and the team at Efficient Capital have been the easiest and best mortgage brokers I've worked with! They thoroughly understand the process, and are happy to guide you through the ins & outs when there is a complex deal at hand. Strongly recommend them.
I had a great experience with Efficient Capital Solutions. They have a knowledgeable team of Mortgage Brokers that were able to give me detailed run through of all my options. Highly recommend.
I was referred to Josh and the team at Efficient Capital and now I can say, I highly recommend them also. They were extremely professional. I found the whole process quick, well explained and stress free. Thank you Josh and yeh team for your outstanding service.
I would highly recommend using Efficient Capital Solutions. From the moment we met they had our best interest at heart. Very honest and clear throughout the whole process giving great advice along the way making the whole process very easy and stress free.
I sincerely appreciate your outstanding service in assisting with my first home purchase. Your professionalism, efficiency, and expertise made the process smooth and stress-free. Thank you for your dedication and support. I highly recommend Efficient Capital Solution to anyone looking for reliable mortgage services.
I've used Efficient Capital Solutions services multiple times and they never disappoint. The team is professional and always finds the best loan solutions tailored to my financial needs. Highly recommended for anyone looking for a reliable finance broker!
I deal with Rohit and his company recently. It was an opportunity buy and I have to move very quick. Rohit was a big help and he guide me a lot to put everything together. The end result was with a hard work I was able to complete the transaction and have my property in a short time. I highly recommend him and his company they are quick and effective with right connections.
We are extremely pleased with the results achieved for us. The staff is highly energetic and professional. Rohit and his team have been outstanding.
Amazing experience
Joshua and team are very knowledgeable and always respond quickly. They go above and beyond to find the best solution for your circumstances . Highly recommend!
We had a great experience obtaining our first home loan with Efficient Capital! They're professional and always happy to answer questions. They took a lot of stress out of the process!
The best experience I have had in using a mortgage broker. Excellent communication, efficient and proactive. I would highly recommend Darren, Josh, Hajra and their team to anyone who is looking for a quality finance broker.
Good work, professinal team excellent results really helpful. Prefer using their services again
Josh & his team make the whole mortgage process easy to navigate. Everything went smoothly and we got hit every outcome we were looking for
Efficient capital were excellent. They made the process soo easy and got me great deals. I was able to get it done really quickly too. I had been putting it off for a long time prior to them, but it was so streamline. I highly recommend them. Joshua and Twinkle are really easy to work.
Rohit and the team have provided exceptional service and support. They took the time to understand my needs and preferences, guiding me through every step of the process with patience and clarity. What impressed me most was their responsiveness; no question was too small, and they were always just a call or text away. Thanks to Rohit, I felt confident and informed throughout the entire transaction. Their dedication to finding the perfect solution for me made all the difference. If you’re looking for a knowledgeable and trustworthy broker, look no further than Rohit. I’m thrilled with my experience and would recommend them to anyone!
Joshua and the Team were wonderful to work with, and they tailored a solution perfectly suited to my needs. Highly recommend!
A big thank you to Darren & Josh & the team, a very stressful and mismanaged settlement by the bank but they helped keep us on track.
The approach, understanding and guidance along this whole experience has been so much easier and stress free because of the support and professionalism shown. Our family is happy, my wife is happy and I’m relaxed. Thanks again and look forward to the next opportunity to use your services and support my friends with your service.
Efficient Capital Solutions, led by Josh and his team, provided exceptional service throughout the entire process. They were professional, attentive, and always available to answer my questions. Josh and his team made everything smooth and stress-free. I would highly recommend them for anyone looking for a top-notch Mortgage Broker services!
I would strongly recommend Efficient Capital Solutions for all your Mortgage Brokerage needs. We have utilised them for several brokerage needs including residential and investment and have found them to be hassle free, professional and knowledgeable whilst delivering complex services seamlessly. I would highly recommend Joshua and his team if you want a service that goes above and beyond.
The team at Efficient Capital were genuine and reasonable in providing refinance requirements. A typical scenario but they managed it swiftly to get the desired outcome. Thanks Rohit and Hajrah.
Excellent service and guidance for various options to fulfil client’s requirement ,highly recommended.
Josh and the team are absolute experts in what they do and make the process of getting a mortgage feel simple and easy. Not only did Josh go above and beyond, he was able to secure a loan much more than we ever though which lead to us being able to purchase our family home! I am extremely happy with his services and I would highly recommend!!!
As their names suggest, really efficient in services! Rohit understands client's requirement thoroughly and works out suitable plan and staff is equally amazing and responsive. Highly recommended.
Darren, Josh and Sarah are money magicians! They helped us get a bridging loan which allowed us to have much more choice in terms of the house we could buy, rather than having to sit on our hands until our home was sold. They are incredibly fast to respond and very reassuring throughout the entire process. This is the second time I have used Efficient Capital and if I could sum up their service in one phrase - they make it happen. Highly recommended.
We are first home buyers and efficient capital solutions have helped us right from the beginning from assessing banks to get loan from, to helping navigate payments per schedule to the builder, and everything in between in relation to our mortgage. Great communication, easy to work with. Would highly recommend their mortgage broking services to anyone looking for reliable mortgage broker.
I had a great experience with the highly professional and resourceful team of efficient capital solution. Wonderful service
Highly recommend the team at Efficient Capital Solutions. Assisted me with a recent investment property and were great throughout the process.
We purchased a new property and refinance my existing property, and in both case Efficient capital team supported professionally and the service is really good.
Rohit and team are highly knowledgeable, fast and friendly. They have access to wide range of loans and tailor the best loan for specific needs. They also have good contacts with lenders and help in expediting wherever needed. We recommend them.
Wonderful to deal with !
We had a fantastic experience with Rohit and his team at Efficient Capital Solution. From start to finish, ECS demonstrated professionalism, expertise and a genuine commitment to find the best solution for me. Throughout the process, communication was seamless, and I was kept informed at every stage with regular updates. Overall working with Rohit was a pleasure and I wholeheartedly recommend their services to anyone in need of Home Loans.
I cannot speak highly enough of the team at Efficient Capital. This is actually one business that lives up to its name. Josh and the team are very efficient at what they do, and are amazing at navigating the various financial institutions to achieve the best outcome, even when the financing requirements are challenging. I cannot recommend them enough
My experience has been really good. One can expect the right professional advise and service from the team.
Efficient Capital Solutions made our home loan process smooth and stress-free. Their dedicated team patiently addressed all our inquiries and secured the most favorable deal for us. We wholeheartedly recommend them for all home financing needs.
Rohit & his team is fantastic. Easy to work with. Special thanks to Darren & Sarah.
I recently had the pleasure of working with Efficient Capital Solutions for the purchase of my new property, and my experience was nothing short of outstanding. From the initial consultation to the final closing, Efficient Capital Solutions proved to be a reliable and efficient partner throughout the entire process. Efficient Capital Solutions also showcased a proactive approach to problem-solving. Any potential challenges were addressed promptly, and the team went above and beyond to find creative solutions. I highly recommend Efficient Capital Solutions to anyone seeking a reliable and efficient partner for their property transactions. Their professionalism, expertise, and commitment to client success make them a standout choice in the realm of financial solutions. Paul
Well experienced team and great communication throughout the process
We started working with Rohit just 3 weeks before our settlement was due. We received exceptional service from him and he understood our situation well to provide us with the best possible solution for our loan. Rohit and Darren worked very quickly on our file and obtained required approvals well before settlement. They always kept us in the loop and provided regular updates at all times throughout the process (sometimes past regular business hours). We interacted with Sarah just before settlement and she was very organised and persistent in her dealings. Our conveyancer was impressed working with Sarah as well in terms of her communication skills and proactiveness. We cannot thank these guys enough for their genuine efforts in helping us achieve our financial goals. We will definitely be employing their services again in the future and we have already started recommending them to our friends. Thank you so much Rohit, Darren and Sarah!
Efficient Capital Solutions is the best! What a service! I love the attitude of Rohit, Bharat, and Joshua. They work like a friendly team and strive to fulfill any needs before the customer even asks. Within two weeks, they got my house loan done. I'm so happy because of these people. Twinkle and Sarah at reception are also helpful. They stay in touch with the customer from the beginning until the loan is approved. I want to say thanks to all of them for helping me with my first home.
Working with Josh, Sarah and Darren has been very easy. They were absolutely helpful with getting our mortgage approved. From finding the best lender that met our specific circumstances, to negotiating the best rate from the banks as well. Everything was done over the phone or via emails, so unfortunately we never got the chance to meet them in person and thank them for their patience at explaining all the technical finance and banking terms. We will definitely be employing their assistance again in the future. Thanks again!
We had friends recommend Josh from Efficient Capital and we were so pleased that they did. Exceptional service and the right loan for us that we purchased our new home with. Thanks again Josh and Sarah!
Great knowledgeable team, efficient and professional service.
Awesome personalized service, would recommend to anyone whom has a home / investment loan
Efficient Capital have been incredible in helping me acquire my first investment property. They are transparent, communicative and always helpful. I'd highly recommend them. Special mention to Josh and Sarah.
Very good to deal with, unlike other brokers they are very thorough and deliver on their promises.
As first home buyers, working with Josh and Sarah has been a dream. Everything happened so quickly from our initial meeting with Josh to securing our property. I have been telling everyone who will listen how smooth the process has been for us thanks to Efficient Capital Solutions. Josh really listened to our circumstances and needs and presented options that reflected this. Josh and Sarah kept us informed through every step of the process and were available to take our calls/get back to our emails swiftly. We went from feeling somewhat out of our depth to being well-informed purchasers. I would highly recommend Efficient Capital Solutions.
Josh and Rohit always look for my interest and provide the best solution to achieve my financial goals.
Friendly, professional team who always go above and beyond to assist and explain processes and procedures.
Navigating the complexities of securing a loan can often be a daunting task, but with Efficient Capital Solutions, the experience was nothing short of exceptional. From our very first interaction, it was evident that I was in the hands of a seasoned professional who was not only knowledgeable but also genuinely invested in helping me succeed. Despite the challenges that arose, Rohit and Darren managed to secure the approval for my loan, demonstrating unparalleled perseverance and expertise. I can't express my gratitude enough for turning what could have been a stressful ordeal into a smooth and positive experience. If you're looking for the right people who go above and beyond to deliver results, I wholeheartedly recommend Efficient Capital Solutions. Thank you for making my financial aspirations a reality!
Efficient Capital Solutions provides a professional and personalised service - my experience has always been the best with my home, investment and even business loans. Thanks Josh, Rohit and Sarah for your support.
All the staff at Efficient Capital Solutions have proven to be very professional, helpful, responsive, approachable, easy to work with I wish them all the best for the future thanks heaps Dudley Te Nahu
The best experience you could hope to have. Rohit and his team guided us every step of the way in getting a home loan. They gave us options, helped us understand the differences between them and helped us make an informed decision. They were unbelievably prompt as well. They would respond to any questions we had in short time and helped close the pre approval and full approval process in quick time. Strongly recommended.
Great service and helped me achieve what i wanted
We had a great experience with Efficient capital. It was a long journey but they were very patient. They assessed many aspects before suggesting the banks. The team -Rohit, Joshua and Twinkle are knowledgeable and prompt in replying to your emails and calls. We truly thank them for making this journey hassle free.
Efficient Capital Solutions delivered outstanding assistance during our home loan refinance process. Twinkle and Rohit's dedicated effort ensured a seamless transition to a new offer.
Josh and the team were super responsive and helped through the entire process. Highly recommend
Thank you Santhosh!!
I have worked with Josh, Sarah and Efficient Capital team for a couple of years and find their advice, client service and focus second to none. My experience is based on the positive feedback I have received from clients who I have referred to them and from my own personal experience of investing in property.
After my past bad experience with other mortgage providers . I have learnt one thing in my life it is not just about borrowing loan but you also need financial advise time to time and who is approachable. I decided to go with efficient capital . Every member of the team are exceptional .Rohit and His team will suggest and treat what is best for the client. They handle and manage everything so settlements are happened smoothly and for any documentation requirements they can speak on your behalf to your accountant or with any other agencies . I now have complete piece and I am always taking advise from Rohit on different options for investments or for your own living . I will recommend highly of efficient capital ( Rohit and his team ) for all your mortgage needs . I thank you for looking after my requirements and we are extremely happy about our financial situation . I wish your company the very best and hope to see many more families join them for there mortgage needs.
The team at Efficient Capital Solutions have been wonderful helping me finance and purchase my first property in Brisbane, and refinancing when there were better deals out there. They are quick to respond to any questions and queries I had.
Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.
Professional service and a cometitive rate delivered. Thank you.
Rohit and Sarah have been a pleasure to work with. They guided us every step of the way and we’re always available to answer any questions we had. Very Informative and knowledgeable service. We will surely recommend Efficient Capital Solutions to friends and family
Josh and Sarah made this process really stress-free. They were always available and responsive whenever I had any questions.
Efficient Capital Solutions provided an excellent service for our home loan refinance. The review of the various products offered in the market and transition to a new bank went smoothly thanks to the time Sarah put in for us. She kept us updated through out the whole process and was always contactable incase we had any concerns.
From the very beginning of the process until the final settlement, they demonstrated professionalism, expertise, and a genuine commitment to helping me secure the best home loan possible. Rohit and his team went above and beyond to understand my financial situation, and preferences. They were readily available to answer my questions, providing timely response, and valuable advice. The team's efficiency and organisation ensured a seamless experience, excellent communication kept me informed at every step of the process. Special thanks to Josh and Twinkle for their exceptional service, their expertise, dedication and professionalism are truly commendable. Thank you for your outstanding work Guys!
Josh and Sarah have been a delight to work with, they were very helpful with our refinance and also helped with our investment strategy. Highly recommend Efficient Capital Solutions for their professionalism.
Efficient Capital has been an invaluable partner, providing exceptional support and guidance in the realm of home loans in Sydney. The expertise and reliability demonstrated by Efficient Capital make them the go-to choice for anyone seeking top-notch home loan solutions in Sydney.
Josh provided a fantastic service and has always gone above and beyond for us. Very professional and personal service
I have had the pleasure of dealing with Rohit, Darren and Twinkle at ECS. They have been exceptional when it comes to communication, professionalism and transparency. They worked with us to understand our financial needs and were able to deliver the best possible outcome whilst keeping our best interest in mind.
Very professional and responsive team. Would highly recommend.
I was recommended to Efficient Capital Solutions. Thank you so much Josh & Sarah for your efficiency, support & doing what others have not been able to do for me. I highly recommend this company. You’re in my contacts for all future financing. Cheers.
We had very good experience dealing with Darren Mah and Sarah Sun to get the best refinancing options for my investment property.
Very helpful over the entire process. They are always available to answer any questions and made sure I understood everything going on.
Very efficient and professional service in helping me arrange a home loan for a first home. Helpful and proficient in explaining steps to be undertaken, do not have a single complaint to make!
The team have been awesome in assisting me to attain my first property! From pre-approval, settlement and to organising revaluations and rate negotiations, the team have been epic and all over it.
Highly regarded experts in brokerage and financing, their customer service has very attentive and patient, answering all questions and following up effectively. I felt confident in the team to deliver for me and will certainly be engaging them again in the future.
Josh & the team at Efficient Capital Solutions are great to deal with & always come up with a solution for our financial requirements
Josh, Sarah and the team helped my fiance and I with a rather protracted home loan application for our new build house in Richmond (VIC). They were excellent, in spite of some unforeseen challenges along the way (caused by our developer). Very responsive, informative & helpful. I would highly recommend them and won't hesitate to return in the future should we need another home loan.
Josh and his team have been fantastic to deal with on multiple occasions. Going above and beyond on all transactions. Highly recommend.
Great service and easy process to go through. Highly recommended
Josh, Twinkle, Bharat and team were amazing to bring our dream of first home true. Josh supported us right from the start. Always approachable . it was good experience throughout. I highly recommend.
Fantastic end to end service. Was a pleasure working with them to help me secure my first home!
I had a great experience working with the team at Efficient Capital team. They were able to fulfil our mortgage requirements for our property. If anyone is looking for a mortgage broking services, please contact them. Highly recommend!!!
The team at Efficient Capital Solutions are a great group of people who walked me through start to finish of my loan and I would recommend them to everybody.
Very good service , quick respond. got loan approved straight away. very professional
They are professional and reliable. Easy to deal with, smooth transaction. They always ready and happy to answer our concerns and willing to provide support and help when needed. We highly recommend them.
I would thoroughly recommend Efficient Capital Solutions. The team there have been very thorough, efficient and always polite.
Overall very happy customer. highly recommended grate customer service and made me feel like I was family
Josh looked after me very well. He quickly understood my circumstances and needs; and provided some simple options for me to choose from. The lender I am now dealing with is a good fit and meeting my expectations. Overall it was a good and stress free experience. Thanks Josh.
The BEST and most sincere finance team !!! Rohit and Josh have been supporting us with our finance related matters for nearly 2 years and during this time they have been thorough - efficient - and true professionals. Love your work guys - keep up the great work you are doing for your customers!! All the best for 2023 and beyond
Efficient Capital have been great to work with. Josh is always responsive and helpful and has worked to find the best home loans for me. Highly knowledgeable and highly recommended.
Working with Efficient Capital over the last few months has been awesome for my partner and I. Our mortgage broker Josh Martin has been fantastic to deal with, consistently responsive and always happy to assist and answer any and all of our questions. Would highly recommend!
Josh and his team were fantastic to deal with, friendly and patient and gave us several solutions as options, explained them all thoroughly and made the whole process easy. I would highly recommend Josh to all my friends and family as the first point of call when needing a finance solution. 5/5 🤩
Josh is an amazing broker. As first home buyers we had so many questions and Josh guided us through the whole process with support and ease. We will be clients for life and look forward to an ongoing partnership. Highly recommended.
Josh and the team were extremely helpful in guiding me through the home loan process for my first home. Very friendly and approachable and I would recommend to anyone looking to start their journey.
Have been associated with Efficient Capital Solutions for the last 1 year now that is when i Started working on the finances for my First Home. The Team is fabulous in terms of the timely response and proactively looking after client profiles as their own. I wish all the best to the team and definitely my recommendation to connect with them if you have any LOAN specific requirements. Special mention to Josh and Sarah.
Great service. Josh was super helpful along the way and took the initiative to get me the best rate possible on my home loan. If you're with Raiz, they also give you great rewards
Rohit and the entire team at Efficient Capital are very sincere and polite. They have excellent communication skills and were very prompt, professional and extremely supportive. They understood our profile very well and were extremely helpful in finding and then shortlisting the best home loan for us. Highly recommend Rohit and Efficient Capital to anyone looking for a sharp, stress-free and smooth dealing.
Dear Rohit and Joshua, I would like to thank both of you from the bottom of my heart for helping me with this loan process and making it happen. Josh your communication and sincerity through out this loan process was tremendously helpful. It was a pleasure working with you and a very reliable and knowledgeable team. I am great full to both of you for the successful purchase of our dream house. Thanks & regards Kingsley Daniel
Rohit, Joshua and the team are amazing bunch of people always looking for 'efficient' ways to reduce overheads and obligations and maximize the value for my money. Hence the well-deserved name of the business! Over the past few months, Rohit helped us refinance our previous home, secure a home loan to purchase our dream house matching our family's needs and our budget and with the refinance it was a breeze in closing the gap for the upgrade we opted for. In addition to the guidance and assistance to the home loans, Efficient Capital Solutions has an effective network of service providers through which we benefitted significantly including selling our previous home when the market started to slow down. The network further extended to introduction to a solicitor who demonstrated patience and efficiency in tough negotiations both during selling and purchasing and we only had to move once! This was all possible through a proper planning and implementation orchestrated by Efficient Capital Solutions. So, I highly recommend this team whether you are buying your first property to live in, upgrading or downgrading or starting your wealth building journey. Start with an appointment with Rohit. Because I am glad I met Rohit for my first coffee with him.
Being a first time buyer, I was nervous and uncertain about the process but I’m glad that I got in touch with Rohit who took care of everything and made it really easy for me. He is a true professional who knows his trade. I wish Rohit and his team all the best and would highly recommend them
Efficient Capital Solutions - The Best Team!!!!!! and their service is excellent. They are experts in their profession. In my past I had an unpleasant experience with many other mortgage consultants. I’m very happy with Joshua Martin and he take care of each, and every aspect related to my loan. I would highly recommend Joshua and his team to anyone needing a great consultant. This team is incredibly reliable, helpful and do their job on time. Finally, I would like to say big thanks to Efficient Capital Solutions team.
We are property investors with a small portfolio seeking to keep adding property assets with the goal of financial freedom. Josh and the team at Efficient Capital are crucial enablers of our strategy. They considered our position and created a financial structure that ensures borrowing capacity does not become a bottleneck and equity is released to finance the next purchase as we move along our strategic roadmap. Josh shares insights into the lending environment, bank decision making and the rationale behind product choices with great clarity. It's obvious that the team are passionate about lending brokerage, finding the best fit in the market, given our strategy and, ultimately, our success. What's equally important is the strong service focus from the team - proactive and consistent communication keeps us informed about how applications are tracking, valuations coming through, what documentation to prepare etc right through to settlement. Working with Josh and the team has made financing simple and efficient and enabled us to build wealth in a way that we would not have been able to without their expertise at our side. If you want a partner in financing who operate with peerless integrity, deep industry knowledge and who will get your strategy, then you should absolutely contact Efficient Capital to see for yourself.
Rohit, Josh and his team have helped me with several complex residential and commercial loans. Thanks very much and would recommend them any type of loans.
Josh and Rohit helped me get a loan that no one was able to help with. They're just loan wizards!
Rohit and his team are very professional, knowledgeable and deliver results. Highly recommended
I had a great experience with Efficient Capital Solutions. Josh and Aakash were extremely professional, hardworking, and supportive throughout the entire mortgage process. I started the process only one month before the SMSF deadline, so there was a lot of pressure to get everything approved on time. Josh , Aakash and Sarah worked very hard, kept me updated, and made the whole process smooth and stress-free. Thanks to their dedication and quick response, everything was approved in time and I was able to secure my brand-new property. I truly appreciate their effort, professionalism, and commitment to helping me achieve my goal. I would highly recommend Efficient Capital Solutions, Josh, and Aakash to anyone looking for a reliable and professional mortgage broker.
Very professional , and easy to deal with. I am looking forward to do more deals with them.
I have been a client of Efficient Capital since July 2023, when they assisted me with securing finance for the purchase of my land. Since then, they have continued to support me through every stage of my property journey, including arranging my construction loan, refinancing to more competitive interest rates, coordinating property valuations, and more recently assisting with converting my loan from investment to owner-occupied. Throughout this time, the team has consistently demonstrated a high level of professionalism, expertise, and commitment. They are thorough in reviewing all documentation before submission, ensuring everything is accurate and complete, which has helped avoid unnecessary delays and made the entire lending process seamless. I have had the pleasure of working with Rohit Lakhotia, Sarah Sun, and Darren Mah, and each has provided outstanding service. They have always been responsive, proactive, and dedicated to securing the most competitive lending solutions available. Their communication has been excellent, and they have taken the time to explain each step of the process, giving me confidence from start to finish. My experience with Efficient Capital has been exceptional, which is why I have confidently recommended them to my brother and several friends. They have all been equally impressed with the professionalism, knowledge, and level of service provided. I highly recommend Efficient Capital to anyone looking for a trustworthy and knowledgeable mortgage broker. Their customer-focused approach, attention to detail, and commitment to achieving the best possible outcomes make them a pleasure to work with.
Josh and the team at Efficient Capital are extremely easy to work. Highly recommend! Professional, knowledgeable and made the whole mortgage process smooth and stress free. Great communication from start to finish.
I have very nice experiance throught my stage loan experiance. Quick call back and explantion of process is tharough and clear. Competitive intrest rate. Happy to go againe.
Highly recommended efficient broker
Excellent, proactive and professional team. Always eager to listen and provide tailored solutions.
Highly recommend Efficient Capital solution team. As a first time home buyer they made the entire loan process effortless and stress free. They went out of their way to ensure everything was sorted out. Addressed all my queries in timely manner. Exceptional service and great communication thoughout!!
The service provided by Josh & his team is absolutely amazing. From great communication to a solution based approach in providing the best outcome for my financing requirements, 'Efficient Capital' have truly lived to their name. Thank you.
Was a very efficient process. Communication was great with myself. Highly recommend
The best process and very smooth operation
Great Service. Very professional and helpful. Always helping to get the best outcome.
Very impressed with the service and kind staff.👍
I'm not in NSW but I've used this company twice. Josh helped the first time and Darren more recently. Wonderful people, wonderful service. Thank you!
Entire process was made easy Darren was very helpful presented us with various options , help take informed decisions, followed up every step and is very quick to respond to every email/ prop valuation requests etc even during odd hours and weekend (when we needed it the most! ) entire team is outstanding guided every step with valuable advice- yes highly recommended
Efficient Capital Solutions, staffs are very professional, very helpful , knowledgeable and very supportive.
It was managed by efficient capital very efficiently (As the name suggests). Highly recommend Efficient capital for all your mortgage needs. Thanks to Darren for his prompt responses and help during this period.
Working with Joshua and his team was an absolute pleasure. The entire process was smooth and stress free, and the team was very supportive throughout. I truly appreciate their transparency and prompt responses to all my questions. Highly recommend them for any financial or loan-related needs!
Absolutely stunning work done by Darren throughout the process. The communication, planning and decisions. He is very responsive with good recommendations. Efficient - You have a great asset, don't lose him. I definitely recommend to everyone. We were not having any clear directions before and this was our first home loan. We are always thankful to you.
I am writing this After 2 months post successful refinancing of my loans to share my candid and honest experience. After nearly a year finding Efficient Capital Solutions was a breakthrough. Principal Rohit immediately understood the complexity of my case, which was the crucial first step. Aakash then provided patient, guidance throughout the application process, ensuring everything was smooth. Post-approval, Sarah was incredibly efficient in finalizing all the details. This team—Rohit, Aakash, and Sarah—made the impossible possible. Genuinely appreciative and extremely satisfied! Highly recommend their professional service.
Rohit and his team provided exceptional service from start to finish. They were incredibly knowledgeable, always available to answer our questions, and genuinely dedicated to achieving the best possible outcome for our loan. We highly recommend them.
Thanks for your help. Was able to getting a decent amount of borrowing directly by using them
Efficient Capital Solutions – Over-the-top excellent service and the best team in Australia. Joshua Martin, Aakash Agarwal, and Sarah Sun are knowledgeable, friendly, and incredibly efficient. A special thanks to Aakash for going above and beyond—his guidance, responsiveness, and professionalism made a remarkable difference throughout the process. They found the best options for my situation and ensured everything was completed on time. Their help made the entire experience outstanding from start to finish. They explained every step clearly, were always available to answer questions, and made the whole mortgage process smooth and stress-free. We’re truly grateful for their support and highly recommend them to anyone looking for a mortgage broker. “Exceeding the five-star standard.”
We have had great experiences with the team at Efficient Capital Solutions. From buying our first home to refinancing, they have provided helpful advice and made the process simple and transparent with regular check-ins. They were able to help negotiate a better rate than the banks initial offer at a very competitive position in our refinancing. I would be happy to recommend them.
Darren from Efficient Capital Solutions was outstanding. He helped us secure an SMSF loan quickly and within tight timelines, which made it possible to finalise our purchase without any delays. This was done with not just one but 2 lenders in no time. Highly professional and responsive—highly recommended!
Efficient Capital Solutions made obtaining a loan for my new investment property so easy. In particular, Darren was amazing in providing me any help and guidance throughout the process. Any questions I had, Darren would be able to explain it to me and made sure I felt comfortable with the decisions we were making. I loved their service and will for sure be returning for any other loans I get in the future!
We recently worked with Rohit, Darren and Sarah from Efficient Capital Solutions on both a home loan and a commercial finance deal, and we couldn’t be happier with the experience. From the outset, they were professional, approachable, and incredibly knowledgeable across both residential and commercial lending. What really impressed us was their deep understanding of the various finance options and ability to provide us with a tailored solution after taking the time to understand our home finance and business needs. Their strategic advice helped us secure a great outcome that we likely wouldn’t have achieved on our own. They were also consistently responsive and transparent throughout the process, keeping us updated at every step and making what can often be a challenging experience feel straightforward and well-managed. If you’re looking for a broker who genuinely knows their stuff — especially when it comes to more complex or commercial lending — we would absolutely recommend Efficient Capital Solutions. A strong team of finance experts who know their stuff, are ethical and who consistently achieve great results for their clients.
Most impressed with the communication and efficiency from Efficient Capital Solutions who made our current investment property purchase so easy, they definitely live up to their name. In particular we wish to say a huge thank you to Josh Martin who was introduced to my wife and I through our kids who have been lucky enough to purchase several investment properties with Josh's assistance. Highly recommend Josh, Hajrah and team and looking forward to using Efficient Capital Solution when purchasing our next property, Mick & Kris North
Can not recommend Josh & the team enough! He listened to what we needed, and has been amazing at sorting everything for us to make purchasing a stress free experience. Great, swift communication and action has been the highlight. Highly recommend.
Josh and the team at Efficient Capital Solutions have been amazing! Both my partner and I are sole-traders and expected the process of getting a mortgage to ver hard. Josh literally made the whole process so easy and provided us with so many different options, I would highly recommend them if you're looking for a mortgage broker.
Outstanding Service From Joshua and his team , I Have referred clients, Family and friends because i know they will get premium service...........Well Done...
Thank you to Josh and Hajrah for all their help, this was my first time at going through this whole procedure and they made it so easy for me. Would highly recommend.
Efficient Capital Solutions is, hands down, the best financial lending service partner I’ve ever worked with. Offering a comprehensive service portfolio for personal, business, and investment needs, they tailor solutions that align perfectly with my goals. Their team is incredibly responsive and always ensures everything is managed efficiently on my behalf. The challenge of juggling multiple financial requirements for both business and home when time is limited can be overwhelming, but with ECS’s support, the process is streamlined and straightforward. I highly recommend them to anyone seeking expert, diverse, and reliable lending services.
Nice work by the Team
Fantastic experience with Efficient Capital Solutions, wouldn't go anywhere else. Excellent communication every step of the way, happy to answer any and all questions and explain everything. 100% recommended, very smooth and easy process with them.
Rohit and his team are complete and utter professionals. They have been incredibly helpful in getting me multiple loans, for both commercial and residential needs.
Josh and his team have been fantastic throughout the whole process. He come with a wealth of knowledge and understanding of the current financial market. Highly recommend.
Joshua and his team provide excellent home loan advice and brokerage services. The team are highly professional, maintained excellent communication throughout the process of refinancing, were always responsive to my questions. I highly recommend Efficient Capital Solutions for home loan broker services.
Josh at Efficient Capital Solutions has always been prompt, courteous and incredibly helpful and patient as we have had to work through situations. We have been with Josh for at least 5 years - maybe more, and would not consider changing as his service has been impeccable.
The Efficient Capital Solutions team helped me get my investment loan. Darren provided exceptional services, understanding my strategy and objectives that I wanted. The team were constantly keeping me in the loop with the loan process and giving updates. They always answered my phone calls with any questions that I had. I couldn’t be happier with their service and have recommended them to all my friends. I will also be using their services for my future loans. A big thankyou to the team for their help.
We recently refinanced our loans with Efficient Capital Solution and couldn't be happier with the experience. The team were exceptional throughout the process. They were professional and proactive, and kept everything on track with clear and timely communication. The whole process was smooth, stress-free, and handled with care. Highly recommend their services!
Very happy with the service. Had purchased the house in 2022 with their help with mortgage. After 2 years, Hajrah helped us get a better interest rate with the same bank without any hassle. Recommend them. Update May 2025 - Excellent service as before. Darren helped in refinancing our home with the most achievable equity.
Very professional service. Rohit is absolutely brilliant and has been available with clear information. I would like to thank Rohit and team for their help, understanding and knowledge. They have made the whole process simple and straight forward for us with easy read documents and phone calls reassuring. Extremely happy with service provided and the outcome.
Rohit and the team at Efficient Capital have been the easiest and best mortgage brokers I've worked with! They thoroughly understand the process, and are happy to guide you through the ins & outs when there is a complex deal at hand. Strongly recommend them.
I had a great experience with Efficient Capital Solutions. They have a knowledgeable team of Mortgage Brokers that were able to give me detailed run through of all my options. Highly recommend.
I was referred to Josh and the team at Efficient Capital and now I can say, I highly recommend them also. They were extremely professional. I found the whole process quick, well explained and stress free. Thank you Josh and yeh team for your outstanding service.
I would highly recommend using Efficient Capital Solutions. From the moment we met they had our best interest at heart. Very honest and clear throughout the whole process giving great advice along the way making the whole process very easy and stress free.
I sincerely appreciate your outstanding service in assisting with my first home purchase. Your professionalism, efficiency, and expertise made the process smooth and stress-free. Thank you for your dedication and support. I highly recommend Efficient Capital Solution to anyone looking for reliable mortgage services.
I've used Efficient Capital Solutions services multiple times and they never disappoint. The team is professional and always finds the best loan solutions tailored to my financial needs. Highly recommended for anyone looking for a reliable finance broker!
I deal with Rohit and his company recently. It was an opportunity buy and I have to move very quick. Rohit was a big help and he guide me a lot to put everything together. The end result was with a hard work I was able to complete the transaction and have my property in a short time. I highly recommend him and his company they are quick and effective with right connections.
We are extremely pleased with the results achieved for us. The staff is highly energetic and professional. Rohit and his team have been outstanding.
Amazing experience
Joshua and team are very knowledgeable and always respond quickly. They go above and beyond to find the best solution for your circumstances . Highly recommend!
We had a great experience obtaining our first home loan with Efficient Capital! They're professional and always happy to answer questions. They took a lot of stress out of the process!
The best experience I have had in using a mortgage broker. Excellent communication, efficient and proactive. I would highly recommend Darren, Josh, Hajra and their team to anyone who is looking for a quality finance broker.
Good work, professinal team excellent results really helpful. Prefer using their services again
Josh & his team make the whole mortgage process easy to navigate. Everything went smoothly and we got hit every outcome we were looking for
Efficient capital were excellent. They made the process soo easy and got me great deals. I was able to get it done really quickly too. I had been putting it off for a long time prior to them, but it was so streamline. I highly recommend them. Joshua and Twinkle are really easy to work.
Rohit and the team have provided exceptional service and support. They took the time to understand my needs and preferences, guiding me through every step of the process with patience and clarity. What impressed me most was their responsiveness; no question was too small, and they were always just a call or text away. Thanks to Rohit, I felt confident and informed throughout the entire transaction. Their dedication to finding the perfect solution for me made all the difference. If you’re looking for a knowledgeable and trustworthy broker, look no further than Rohit. I’m thrilled with my experience and would recommend them to anyone!
Joshua and the Team were wonderful to work with, and they tailored a solution perfectly suited to my needs. Highly recommend!
A big thank you to Darren & Josh & the team, a very stressful and mismanaged settlement by the bank but they helped keep us on track.
The approach, understanding and guidance along this whole experience has been so much easier and stress free because of the support and professionalism shown. Our family is happy, my wife is happy and I’m relaxed. Thanks again and look forward to the next opportunity to use your services and support my friends with your service.
Efficient Capital Solutions, led by Josh and his team, provided exceptional service throughout the entire process. They were professional, attentive, and always available to answer my questions. Josh and his team made everything smooth and stress-free. I would highly recommend them for anyone looking for a top-notch Mortgage Broker services!
I would strongly recommend Efficient Capital Solutions for all your Mortgage Brokerage needs. We have utilised them for several brokerage needs including residential and investment and have found them to be hassle free, professional and knowledgeable whilst delivering complex services seamlessly. I would highly recommend Joshua and his team if you want a service that goes above and beyond.
The team at Efficient Capital were genuine and reasonable in providing refinance requirements. A typical scenario but they managed it swiftly to get the desired outcome. Thanks Rohit and Hajrah.
Excellent service and guidance for various options to fulfil client’s requirement ,highly recommended.
Josh and the team are absolute experts in what they do and make the process of getting a mortgage feel simple and easy. Not only did Josh go above and beyond, he was able to secure a loan much more than we ever though which lead to us being able to purchase our family home! I am extremely happy with his services and I would highly recommend!!!
As their names suggest, really efficient in services! Rohit understands client's requirement thoroughly and works out suitable plan and staff is equally amazing and responsive. Highly recommended.
Darren, Josh and Sarah are money magicians! They helped us get a bridging loan which allowed us to have much more choice in terms of the house we could buy, rather than having to sit on our hands until our home was sold. They are incredibly fast to respond and very reassuring throughout the entire process. This is the second time I have used Efficient Capital and if I could sum up their service in one phrase - they make it happen. Highly recommended.
We are first home buyers and efficient capital solutions have helped us right from the beginning from assessing banks to get loan from, to helping navigate payments per schedule to the builder, and everything in between in relation to our mortgage. Great communication, easy to work with. Would highly recommend their mortgage broking services to anyone looking for reliable mortgage broker.
I had a great experience with the highly professional and resourceful team of efficient capital solution. Wonderful service
Highly recommend the team at Efficient Capital Solutions. Assisted me with a recent investment property and were great throughout the process.
We purchased a new property and refinance my existing property, and in both case Efficient capital team supported professionally and the service is really good.
Rohit and team are highly knowledgeable, fast and friendly. They have access to wide range of loans and tailor the best loan for specific needs. They also have good contacts with lenders and help in expediting wherever needed. We recommend them.
Wonderful to deal with !
We had a fantastic experience with Rohit and his team at Efficient Capital Solution. From start to finish, ECS demonstrated professionalism, expertise and a genuine commitment to find the best solution for me. Throughout the process, communication was seamless, and I was kept informed at every stage with regular updates. Overall working with Rohit was a pleasure and I wholeheartedly recommend their services to anyone in need of Home Loans.
I cannot speak highly enough of the team at Efficient Capital. This is actually one business that lives up to its name. Josh and the team are very efficient at what they do, and are amazing at navigating the various financial institutions to achieve the best outcome, even when the financing requirements are challenging. I cannot recommend them enough
My experience has been really good. One can expect the right professional advise and service from the team.
Efficient Capital Solutions made our home loan process smooth and stress-free. Their dedicated team patiently addressed all our inquiries and secured the most favorable deal for us. We wholeheartedly recommend them for all home financing needs.
Rohit & his team is fantastic. Easy to work with. Special thanks to Darren & Sarah.
I recently had the pleasure of working with Efficient Capital Solutions for the purchase of my new property, and my experience was nothing short of outstanding. From the initial consultation to the final closing, Efficient Capital Solutions proved to be a reliable and efficient partner throughout the entire process. Efficient Capital Solutions also showcased a proactive approach to problem-solving. Any potential challenges were addressed promptly, and the team went above and beyond to find creative solutions. I highly recommend Efficient Capital Solutions to anyone seeking a reliable and efficient partner for their property transactions. Their professionalism, expertise, and commitment to client success make them a standout choice in the realm of financial solutions. Paul
Well experienced team and great communication throughout the process
We started working with Rohit just 3 weeks before our settlement was due. We received exceptional service from him and he understood our situation well to provide us with the best possible solution for our loan. Rohit and Darren worked very quickly on our file and obtained required approvals well before settlement. They always kept us in the loop and provided regular updates at all times throughout the process (sometimes past regular business hours). We interacted with Sarah just before settlement and she was very organised and persistent in her dealings. Our conveyancer was impressed working with Sarah as well in terms of her communication skills and proactiveness. We cannot thank these guys enough for their genuine efforts in helping us achieve our financial goals. We will definitely be employing their services again in the future and we have already started recommending them to our friends. Thank you so much Rohit, Darren and Sarah!
Efficient Capital Solutions is the best! What a service! I love the attitude of Rohit, Bharat, and Joshua. They work like a friendly team and strive to fulfill any needs before the customer even asks. Within two weeks, they got my house loan done. I'm so happy because of these people. Twinkle and Sarah at reception are also helpful. They stay in touch with the customer from the beginning until the loan is approved. I want to say thanks to all of them for helping me with my first home.
Working with Josh, Sarah and Darren has been very easy. They were absolutely helpful with getting our mortgage approved. From finding the best lender that met our specific circumstances, to negotiating the best rate from the banks as well. Everything was done over the phone or via emails, so unfortunately we never got the chance to meet them in person and thank them for their patience at explaining all the technical finance and banking terms. We will definitely be employing their assistance again in the future. Thanks again!
We had friends recommend Josh from Efficient Capital and we were so pleased that they did. Exceptional service and the right loan for us that we purchased our new home with. Thanks again Josh and Sarah!
Great knowledgeable team, efficient and professional service.
Awesome personalized service, would recommend to anyone whom has a home / investment loan
Efficient Capital have been incredible in helping me acquire my first investment property. They are transparent, communicative and always helpful. I'd highly recommend them. Special mention to Josh and Sarah.
Very good to deal with, unlike other brokers they are very thorough and deliver on their promises.
As first home buyers, working with Josh and Sarah has been a dream. Everything happened so quickly from our initial meeting with Josh to securing our property. I have been telling everyone who will listen how smooth the process has been for us thanks to Efficient Capital Solutions. Josh really listened to our circumstances and needs and presented options that reflected this. Josh and Sarah kept us informed through every step of the process and were available to take our calls/get back to our emails swiftly. We went from feeling somewhat out of our depth to being well-informed purchasers. I would highly recommend Efficient Capital Solutions.
Josh and Rohit always look for my interest and provide the best solution to achieve my financial goals.
Friendly, professional team who always go above and beyond to assist and explain processes and procedures.
Navigating the complexities of securing a loan can often be a daunting task, but with Efficient Capital Solutions, the experience was nothing short of exceptional. From our very first interaction, it was evident that I was in the hands of a seasoned professional who was not only knowledgeable but also genuinely invested in helping me succeed. Despite the challenges that arose, Rohit and Darren managed to secure the approval for my loan, demonstrating unparalleled perseverance and expertise. I can't express my gratitude enough for turning what could have been a stressful ordeal into a smooth and positive experience. If you're looking for the right people who go above and beyond to deliver results, I wholeheartedly recommend Efficient Capital Solutions. Thank you for making my financial aspirations a reality!
Efficient Capital Solutions provides a professional and personalised service - my experience has always been the best with my home, investment and even business loans. Thanks Josh, Rohit and Sarah for your support.
All the staff at Efficient Capital Solutions have proven to be very professional, helpful, responsive, approachable, easy to work with I wish them all the best for the future thanks heaps Dudley Te Nahu
The best experience you could hope to have. Rohit and his team guided us every step of the way in getting a home loan. They gave us options, helped us understand the differences between them and helped us make an informed decision. They were unbelievably prompt as well. They would respond to any questions we had in short time and helped close the pre approval and full approval process in quick time. Strongly recommended.
Great service and helped me achieve what i wanted
We had a great experience with Efficient capital. It was a long journey but they were very patient. They assessed many aspects before suggesting the banks. The team -Rohit, Joshua and Twinkle are knowledgeable and prompt in replying to your emails and calls. We truly thank them for making this journey hassle free.
Efficient Capital Solutions delivered outstanding assistance during our home loan refinance process. Twinkle and Rohit's dedicated effort ensured a seamless transition to a new offer.
Josh and the team were super responsive and helped through the entire process. Highly recommend
Thank you Santhosh!!
I have worked with Josh, Sarah and Efficient Capital team for a couple of years and find their advice, client service and focus second to none. My experience is based on the positive feedback I have received from clients who I have referred to them and from my own personal experience of investing in property.
After my past bad experience with other mortgage providers . I have learnt one thing in my life it is not just about borrowing loan but you also need financial advise time to time and who is approachable. I decided to go with efficient capital . Every member of the team are exceptional .Rohit and His team will suggest and treat what is best for the client. They handle and manage everything so settlements are happened smoothly and for any documentation requirements they can speak on your behalf to your accountant or with any other agencies . I now have complete piece and I am always taking advise from Rohit on different options for investments or for your own living . I will recommend highly of efficient capital ( Rohit and his team ) for all your mortgage needs . I thank you for looking after my requirements and we are extremely happy about our financial situation . I wish your company the very best and hope to see many more families join them for there mortgage needs.
The team at Efficient Capital Solutions have been wonderful helping me finance and purchase my first property in Brisbane, and refinancing when there were better deals out there. They are quick to respond to any questions and queries I had.
Brilliant service, timely manner for response and a quick turn around in approval. Will definitely be recommending.
Professional service and a cometitive rate delivered. Thank you.
Rohit and Sarah have been a pleasure to work with. They guided us every step of the way and we’re always available to answer any questions we had. Very Informative and knowledgeable service. We will surely recommend Efficient Capital Solutions to friends and family
Josh and Sarah made this process really stress-free. They were always available and responsive whenever I had any questions.
Efficient Capital Solutions provided an excellent service for our home loan refinance. The review of the various products offered in the market and transition to a new bank went smoothly thanks to the time Sarah put in for us. She kept us updated through out the whole process and was always contactable incase we had any concerns.
From the very beginning of the process until the final settlement, they demonstrated professionalism, expertise, and a genuine commitment to helping me secure the best home loan possible. Rohit and his team went above and beyond to understand my financial situation, and preferences. They were readily available to answer my questions, providing timely response, and valuable advice. The team's efficiency and organisation ensured a seamless experience, excellent communication kept me informed at every step of the process. Special thanks to Josh and Twinkle for their exceptional service, their expertise, dedication and professionalism are truly commendable. Thank you for your outstanding work Guys!
Josh and Sarah have been a delight to work with, they were very helpful with our refinance and also helped with our investment strategy. Highly recommend Efficient Capital Solutions for their professionalism.
Efficient Capital has been an invaluable partner, providing exceptional support and guidance in the realm of home loans in Sydney. The expertise and reliability demonstrated by Efficient Capital make them the go-to choice for anyone seeking top-notch home loan solutions in Sydney.
Josh provided a fantastic service and has always gone above and beyond for us. Very professional and personal service
I have had the pleasure of dealing with Rohit, Darren and Twinkle at ECS. They have been exceptional when it comes to communication, professionalism and transparency. They worked with us to understand our financial needs and were able to deliver the best possible outcome whilst keeping our best interest in mind.
Very professional and responsive team. Would highly recommend.
I was recommended to Efficient Capital Solutions. Thank you so much Josh & Sarah for your efficiency, support & doing what others have not been able to do for me. I highly recommend this company. You’re in my contacts for all future financing. Cheers.
We had very good experience dealing with Darren Mah and Sarah Sun to get the best refinancing options for my investment property.
Very helpful over the entire process. They are always available to answer any questions and made sure I understood everything going on.
Very efficient and professional service in helping me arrange a home loan for a first home. Helpful and proficient in explaining steps to be undertaken, do not have a single complaint to make!
The team have been awesome in assisting me to attain my first property! From pre-approval, settlement and to organising revaluations and rate negotiations, the team have been epic and all over it.
Highly regarded experts in brokerage and financing, their customer service has very attentive and patient, answering all questions and following up effectively. I felt confident in the team to deliver for me and will certainly be engaging them again in the future.
Josh & the team at Efficient Capital Solutions are great to deal with & always come up with a solution for our financial requirements
Josh, Sarah and the team helped my fiance and I with a rather protracted home loan application for our new build house in Richmond (VIC). They were excellent, in spite of some unforeseen challenges along the way (caused by our developer). Very responsive, informative & helpful. I would highly recommend them and won't hesitate to return in the future should we need another home loan.
Josh and his team have been fantastic to deal with on multiple occasions. Going above and beyond on all transactions. Highly recommend.
Great service and easy process to go through. Highly recommended
Josh, Twinkle, Bharat and team were amazing to bring our dream of first home true. Josh supported us right from the start. Always approachable . it was good experience throughout. I highly recommend.
Fantastic end to end service. Was a pleasure working with them to help me secure my first home!
I had a great experience working with the team at Efficient Capital team. They were able to fulfil our mortgage requirements for our property. If anyone is looking for a mortgage broking services, please contact them. Highly recommend!!!
The team at Efficient Capital Solutions are a great group of people who walked me through start to finish of my loan and I would recommend them to everybody.
Very good service , quick respond. got loan approved straight away. very professional
They are professional and reliable. Easy to deal with, smooth transaction. They always ready and happy to answer our concerns and willing to provide support and help when needed. We highly recommend them.
I would thoroughly recommend Efficient Capital Solutions. The team there have been very thorough, efficient and always polite.
Overall very happy customer. highly recommended grate customer service and made me feel like I was family
Josh looked after me very well. He quickly understood my circumstances and needs; and provided some simple options for me to choose from. The lender I am now dealing with is a good fit and meeting my expectations. Overall it was a good and stress free experience. Thanks Josh.
The BEST and most sincere finance team !!! Rohit and Josh have been supporting us with our finance related matters for nearly 2 years and during this time they have been thorough - efficient - and true professionals. Love your work guys - keep up the great work you are doing for your customers!! All the best for 2023 and beyond
Efficient Capital have been great to work with. Josh is always responsive and helpful and has worked to find the best home loans for me. Highly knowledgeable and highly recommended.
Working with Efficient Capital over the last few months has been awesome for my partner and I. Our mortgage broker Josh Martin has been fantastic to deal with, consistently responsive and always happy to assist and answer any and all of our questions. Would highly recommend!
Josh and his team were fantastic to deal with, friendly and patient and gave us several solutions as options, explained them all thoroughly and made the whole process easy. I would highly recommend Josh to all my friends and family as the first point of call when needing a finance solution. 5/5 🤩
Josh is an amazing broker. As first home buyers we had so many questions and Josh guided us through the whole process with support and ease. We will be clients for life and look forward to an ongoing partnership. Highly recommended.
Josh and the team were extremely helpful in guiding me through the home loan process for my first home. Very friendly and approachable and I would recommend to anyone looking to start their journey.
Have been associated with Efficient Capital Solutions for the last 1 year now that is when i Started working on the finances for my First Home. The Team is fabulous in terms of the timely response and proactively looking after client profiles as their own. I wish all the best to the team and definitely my recommendation to connect with them if you have any LOAN specific requirements. Special mention to Josh and Sarah.
Great service. Josh was super helpful along the way and took the initiative to get me the best rate possible on my home loan. If you're with Raiz, they also give you great rewards
Rohit and the entire team at Efficient Capital are very sincere and polite. They have excellent communication skills and were very prompt, professional and extremely supportive. They understood our profile very well and were extremely helpful in finding and then shortlisting the best home loan for us. Highly recommend Rohit and Efficient Capital to anyone looking for a sharp, stress-free and smooth dealing.
Dear Rohit and Joshua, I would like to thank both of you from the bottom of my heart for helping me with this loan process and making it happen. Josh your communication and sincerity through out this loan process was tremendously helpful. It was a pleasure working with you and a very reliable and knowledgeable team. I am great full to both of you for the successful purchase of our dream house. Thanks & regards Kingsley Daniel
Rohit, Joshua and the team are amazing bunch of people always looking for 'efficient' ways to reduce overheads and obligations and maximize the value for my money. Hence the well-deserved name of the business! Over the past few months, Rohit helped us refinance our previous home, secure a home loan to purchase our dream house matching our family's needs and our budget and with the refinance it was a breeze in closing the gap for the upgrade we opted for. In addition to the guidance and assistance to the home loans, Efficient Capital Solutions has an effective network of service providers through which we benefitted significantly including selling our previous home when the market started to slow down. The network further extended to introduction to a solicitor who demonstrated patience and efficiency in tough negotiations both during selling and purchasing and we only had to move once! This was all possible through a proper planning and implementation orchestrated by Efficient Capital Solutions. So, I highly recommend this team whether you are buying your first property to live in, upgrading or downgrading or starting your wealth building journey. Start with an appointment with Rohit. Because I am glad I met Rohit for my first coffee with him.
Being a first time buyer, I was nervous and uncertain about the process but I’m glad that I got in touch with Rohit who took care of everything and made it really easy for me. He is a true professional who knows his trade. I wish Rohit and his team all the best and would highly recommend them
Efficient Capital Solutions - The Best Team!!!!!! and their service is excellent. They are experts in their profession. In my past I had an unpleasant experience with many other mortgage consultants. I’m very happy with Joshua Martin and he take care of each, and every aspect related to my loan. I would highly recommend Joshua and his team to anyone needing a great consultant. This team is incredibly reliable, helpful and do their job on time. Finally, I would like to say big thanks to Efficient Capital Solutions team.
We are property investors with a small portfolio seeking to keep adding property assets with the goal of financial freedom. Josh and the team at Efficient Capital are crucial enablers of our strategy. They considered our position and created a financial structure that ensures borrowing capacity does not become a bottleneck and equity is released to finance the next purchase as we move along our strategic roadmap. Josh shares insights into the lending environment, bank decision making and the rationale behind product choices with great clarity. It's obvious that the team are passionate about lending brokerage, finding the best fit in the market, given our strategy and, ultimately, our success. What's equally important is the strong service focus from the team - proactive and consistent communication keeps us informed about how applications are tracking, valuations coming through, what documentation to prepare etc right through to settlement. Working with Josh and the team has made financing simple and efficient and enabled us to build wealth in a way that we would not have been able to without their expertise at our side. If you want a partner in financing who operate with peerless integrity, deep industry knowledge and who will get your strategy, then you should absolutely contact Efficient Capital to see for yourself.
Rohit, Josh and his team have helped me with several complex residential and commercial loans. Thanks very much and would recommend them any type of loans.
Josh and Rohit helped me get a loan that no one was able to help with. They're just loan wizards!
Rohit and his team are very professional, knowledgeable and deliver results. Highly recommended
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