Welcome to Seka Finance
We specialise in navigating the intricate world of finance, making it simple, clear, and accessible for everyone. Based in Regional NSW and close to Canberra, we pride ourselves on our ability to simplify finance, offering tailored solutions that align with your unique needs. Our approach is centred on making the journey to financial freedom as smooth and enjoyable as possible.
Our Mission
Our mission is to help our clients throughout their financial journeys, ensuring they have the knowledge, support, and expertise they need to make informed and beneficial decisions. We aim to empower our clients, helping them discover and achieve their financial goals and dreams with clarity and confidence.
Meet Erin
Erin Morphett, the Principal Broker and Founder of Seka Finance, brings a wealth of experience and passion to your needs. Erin's program and project management background have afforded her a unique perspective on finance, focusing on simplification and empowering you.
Starting Your Home Buying Journey?
Buying your first home can be exciting and overwhelming.
I'm here to support you at every turn. From guiding you on saving for that initial deposit to navigating the application process and ensuring you receive the ideal loan product. Let me be your compass in the world of home buying.
As a first-time homebuyer, several benefits may be available to you. Programs like the First Home Guarantee Scheme and Regional First Home Buyer Grants could offer you the opportunity to purchase your dream home with just a 5% deposit.
Please let me evaluate your unique situation, assess your eligibility, and direct you to the schemes that align perfectly with your aspirations.
Together, we'll make your home-buying dream a seamless reality.
Considering an Investment Property?
If you are dipping your toes into property investing or expanding your existing portfolio, I'm here to ensure your investment journey is smooth and rewarding.
An investment property is more than just bricks and mortar. It's a strategic step towards building wealth. Investment properties not only promise potential rental returns but can also offer attractive tax benefits and the prospect of long-term capital appreciation.
If you're keen to leverage your existing equity for a new purchase or want insights on the most suitable loan features for your needs, I'm here to help you and give some advice.
Let's chart a path to your investment success.
Is It Time to Improve Home Loan Rate?
The home loan landscape is always changing. If you last revisited your loan a while ago, you could be overpaying or missing out on beneficial rates. Every dollar counts, and I'm here to ensure you're getting the utmost value from your home loan.
I aim to find areas where you could save by comparing your current rate with over 50 other lenders. Whether that means negotiating a lower rate with your existing bank or refinancing your loan to another lending that might offer competitive rates and even enticing cashback incentives—it's all about optimising your home loan to suit you.
Let's ensure your home loan is working in your favour.
Reach out for a comprehensive home loan health check today!
Thinking of Growing Your Business?
Business growth is exhilarating, yet it often comes with its financial intricacies. As a dedicated ally to ambitious business owners like you, I'm here to simplify and streamline your expansion journey.
Whether you're in the market for a business loan to acquire state-of-the-art equipment, seeking cash flow solutions to bolster your growth, or considering upgrading your vehicle fleet or treating yourself to a new car, I've got you covered.
Commercial loans, with their nuanced complexities, can be daunting. If you're venturing into new business premises or financing an interior fit-out, I can use my expertise to identify the best finance and loan structure tailored to your needs.
Your business aspirations deserve the best support. Reach out, and let's collaboratively pave the way for your next business milestone!
Simplify Finance, Seek Seka.
Contact Us
Credit Representative Number 550930 is authorised under Australian Credit Licence Number 387856.
Terms and Conditions
Agreement to Terms and Conditions
1.1 These Terms and Conditions of Use (the “Terms of Use”) apply to the Website located at www.sekafinance.com.au (the “Website”) and all associated Websites linked to www.sekafinance.com.au.
By using this website, you agree to these terms of use; if you do not agree, then do not use the website.
2. Content
2.1 All text, graphics, user interfaces, visual interfaces, photographs, trademarks, logos, sounds, music, artwork and computer code (collectively known as “Content”), including but not limited to the design, structure, selection, coordination, expression, ‘look and feel’ and arrangement of such Content, contained on the Website is owned, controlled or licensed by Seka Finance, and is protected by copyright, patent and trademark laws, and various other intellectual property rights and unfair competition laws.
2.2 Seka Finance does not, nor does any other party who provides Content to this Website, make any warranty as to the accuracy, completeness or currency of the Content. As a user of this Website, you are required to make your own enquiries before entering into any transaction on the basis of or in reliance upon the Content. To the extent permitted by law, Seka Finance and its employees, officers, agents and contractors exclude all liability for any loss or damage (including, without limitation, indirect, special or consequential loss or damage) arising from the use of, or reliance upon the Content whether or not a negligent act or omission causes this.
2.3 Except as expressly provided, no part of the Website and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, Website or other medium for publication or distribution or for any commercial enterprise, without Seka Finance’s express prior written consent.
2.4 Seka Finance and each party providing Content to the Website are limited in its liability, to the extent permitted by law, to the resupply of the Content. Seka Finance does not accept responsibility for any liability in respect of access to other content through the use of this Website.
3. Your Use of the Website
3.1 You must not attempt to gain unauthorised access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any Seka Finance server, or to any other services offered on or through the Website by hacking or any other illegitimate means.
3.2 You must not scan or test the vulnerability of the Website or any network connected to the Website, nor breach the security or authentication measures on the Website or any network connected to the Website.
3.3 You must not trace or seek to trace any information of any user or customer of SekaFinance, including any SekaFinance account not owned by you, to its source. You may not exploit the Website or any service or information made available or offered by or through the Website in any way where the purpose is to reveal any information, including but not limited to personal identification or information, as provided for by the Website.
3.4 You agree that you will not take any action that imposes an unreasonably large burden on the infrastructure of the Website or SekaFinance’s systems or networks, or any systems or networks connected to the Website or to Seka Finance.
3.5 You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or any transaction being conducted on the Website or with any other person’s use of the Website. 3.6 You must not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Seka Finance on or through the Website or any service offered on or through the Website. You must not pretend that you are or that you represent someone else or impersonate any other individual or entity.
3.7 You must not use the Website or any Content for any purpose that is unlawful or prohibited by these Terms of Use or to solicit the performance of any illegal activity or other activity that infringes the rights of Seka Finance or others.
4. Purchases;
4.1 Additional terms and conditions may apply to the purchase of goods or services and to specific portions or features of the Website all of which terms are made a part of these Terms of Use by this paragraph.
4.2 You agree to abide by such other terms and conditions, including (where applicable) representing that you are of sufficient legal age to use or participate in such service or feature. If there is a conflict between these Terms of Use and the terms posted for or applicable to a specific portion of the Website or for any service offered on or through the Website, the latter terms shall have authority with respect to your use of that portion of the Website or the specific service.
5. Disclaimers
5.1 Seka Finance makes no representations or warranties of any kind, express or implied, as to the operation of this website or the information, content, materials, or products included on this website. You expressly agree that your use of this website is at your own risk.
5.2 To the full extent permissible by applicable law, Seka Finance disclaims all warranties, express or implied; Seka Finance does not warrant that its website, its servers, or email sent from Seka Finance are free of viruses or other harmful components. Seka Finance will not be liable for any damages of any kind arising from the use of this website, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages.
5.3 You assume total responsibility for your use of the website. Your sole remedy against Seka Finance for dissatisfaction with the website or any content is to stop using the website or any such content. This limitation of relief is a part of the bargain between the parties.
5.4 The above disclaimer applies to, but is not limited to, any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorised access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action.
5.5 Seka Finance reserves the right to do the following, at any time, without notice: (a) Modify, suspend or terminate operation of or access to the Website, or any portion of the Website, for any reason; (b) Modify or change the Website, or any portion of the Website, including prices, and any applicable policies or terms; and (c) To interrupt the operation of the Website, or any portion of the Website, as necessary to perform routine or non-routine maintenance, error correction, or other changes.
6. Indemnity
6.1 You must indemnify and hold harmless Seka Finance or its employee’s contractors and agents and keep them indemnified against all loss, actions, proceedings, costs, expenses (including legal fees), claims and damages arising from (a) any breach by you of these Terms; or (b) reliance by you on any information obtained through the Seka Finance Website.
7. Applicable Law
7.1 The Website (excluding any linked third-party Websites) is controlled by Seka Finance. By accessing this Website, you accept that any disputes about this Website or the Content are to be determined by the Courts having jurisdiction in NSW in accordance with the laws in force in NSW, and you submit to this jurisdiction (subject to the application of any principle of conflict of laws inconsistent with this requirement).
7.2 Although this Website can be accessed throughout Australia and overseas, Seka Finance does not represent that the content of this Website complies with the laws (including the intellectual property laws) of countries outside Australia. If you access this Website from outside Australia, you do this on your own responsibility and are responsible for ensuring compliance with all laws in the place where you are located.
Feedback
At Seka Finance, we are committed to building strong and enduring relationships with our valued customers. Your feedback is invaluable to us as it not only helps us address any immediate concerns you may have but also allows us to continuously enhance our products and services.
Compliments
Our team is always thrilled to hear when we've made your experience a pleasant and successful one. If any of our representatives have provided you with exceptional service, please don't hesitate to let us know by leaving us a review on Google or e-mail us at erin@sekafinance.com.au. Your feedback will go a long way in motivating and recognising their efforts.
Concerns
If, for any reason, you feel that you have not received the highest standard of care from us, we encourage you to share your concerns. We have established a user-friendly process designed to make it easy for you to communicate your concerns to us, ensuring they are addressed promptly and fairly.
You can reach out to us using the method that best suits you:
📃 QED Credit Services Pty Ltd 31 Ardentallen Road Enoggera QLD 4051
📞 1300 817 662
When contacting us by mail or email, please provide as much detail as possible about your complaint to assist us in addressing it effectively.
Need an Update on Your Complaint
If you've lodged a complaint with us and would like an update on its status, feel free to contact us at any time. Use any of the methods listed above and be sure to reference your previous communication so that we can respond promptly.
Resolution
Our aim is to resolve your complaint swiftly. While we strive to address issues on the spot, if this is not possible, we will acknowledge your complaint within 24 hours. We are committed to treating you fairly and will work diligently to reach a resolution as soon as possible.
In the rare event that we are still investigating your complaint after 30 days, we will contact you to explain why and provide an estimated timeline for completion. Once our investigation is complete, we will inform you of the outcome and the reasons for our decision.
Taking It Further
We sincerely hope that you will be satisfied with how we handle your complaint. However, if your concerns remain unresolved or if you haven't heard from us within 30 days, you have the option to have your complaint heard by an independent party, the Australian Financial Complaints Authority (AFCA). You can contact AFCA through the following means:
📞 1300 56 55 62 (local call cost) or 03 9613 6399
📃 Australian Financial Complaints Authority GPO Box 3 Melbourne VIC 3001
📧 www.afca.org.au
Your feedback is essential to us, and we are here to ensure your concerns are addressed professionally and promptly. Thank you for choosing Seka Finance.