Ray Ethell | Non Conforming Loans

About Ray Ethell

Ray Ethell offers a wealth of experience to his clients, gained from over 20 years in the Finance industry, and prides himself on providing reliable customer focused service. As an independent mortgage consultant, Ray is able to find a product tailored to his clients’ individual needs, with relevant unbiased advice and recommendations. - Cert lV in Financial Services (Mortgage Broking) - Diploma in Financial Services (Mortgage Broking)

Low Credit Scores in Australia and How to Get a Mortgage

Unlocking Home ownership: Your Guide to Mortgages for Low Credit Scores in Australia Are dreams of homeownership slipping through your fingers due to a low credit score? You're not alone. Many Australians find themselves in this frustrating situation, but the good news is that homeownership is still within reach. In “Unlocking Homeownership: Your Guide to Mortgages for Low Credit Scores in Australia,” we’ll navigate the often-overlooked pathways to securing a mortgage despite credit challenges. This guide will empower you [...]

Low Credit Scores in Australia and How to Get a MortgageRay Ethell2025-06-02T11:35:13+10:00

How to Secure a Bad Credit Mortgage in Australia

Unlocking Home Ownership: How to Secure a Bad Credit Mortgage in Australia Dreaming of home ownership but held back by bad credit? You're not alone. Many Australians face this hurdle, feeling trapped in a cycle of rising rents and limited housing options. However, unlocking the door to your own home is possible—even if your credit score isn’t perfect. With the right strategies and information, you can navigate the complexities of securing a bad credit mortgage in Australia. From understanding [...]

How to Secure a Bad Credit Mortgage in AustraliaRay Ethell2025-05-05T10:57:07+10:00

How to Secure Home Loans with Less-Than-Perfect Credit

Unlocking the Secrets: How to Secure Home Loans with Less-Than-Perfect Credit in Australia Struggling to secure a home loan in Australia due to less-than-perfect credit? You're not alone. Unlocking the secrets to getting approved is within reach, even with a less-than-ideal credit score. In this insightful guide, we delve into the strategies and tips that can help you navigate the complexities of securing a home loan when your credit history isn't flawless. From understanding the factors that lenders consider [...]

How to Secure Home Loans with Less-Than-Perfect CreditRay Ethell2025-03-05T10:27:53+11:00

Guide to Loan Calculators in Australia

Loan Calculators in Australia: How to Crunch the Numbers and Make Informed Financial Decisions. Are you looking to make a major financial decision and need some guidance on loan calculations? Look no further! In this comprehensive guide, we will take you through the ins and outs of loan calculators empowering you to make informed choices and take control of your financial future. Whether you're buying a new home, investing in property, or considering a personal loan, understanding how to [...]

Guide to Loan Calculators in AustraliaRay Ethell2025-01-29T10:29:48+11:00

Equifax Credit Score and Securing a Home Loan in Australia

Unlocking Financial Opportunities: How Equifax Credit Score Can Help You Secure a Loan in Australia Are you looking to secure a loan in Australia? It’s no secret that having a good credit score can make all the difference. That's where Equifax comes in. With their innovative credit scoring system, they can help you unlock financial opportunities and increase your chances of loan approval. Equifax is a trusted name in the industry, known for their comprehensive credit reports and reliable [...]

Equifax Credit Score and Securing a Home Loan in AustraliaRay Ethell2024-10-25T09:39:27+11:00

Guide to Non-Resident Home Loans in Australia

Unlock Your Dream Home in Australia: The Ultimate Guide to Non-Resident Home Loans Are you a non-resident dreaming of owning a home in Australia? Well, your dream can become a reality with the ultimate guide to non-resident home loans. This comprehensive guide will walk you through the process of unlocking your dream home, even if you don't have Australian citizenship or residency. Whether you're looking to invest or settle down in Australia, understanding the ins and outs of non-resident [...]

Guide to Non-Resident Home Loans in AustraliaRay Ethell2024-10-21T10:00:53+11:00

Top Non-Bank Private Lenders in Australia

The Best Alternative Financing Solutions: Exploring Australia's Top Non-Bank Private Lenders Are you a business owner in Australia seeking alternative financing solutions? Look no further. In this article, we will explore the top non-bank private lenders in the country, unveiling the best options available to fuel your business growth. With traditional bank loans becoming more difficult to obtain, non-bank private lenders have stepped in to fill the gap. These lenders are known for their flexible terms, streamlined application processes, [...]

Top Non-Bank Private Lenders in AustraliaRay Ethell2024-09-30T10:14:17+10:00

Top Non Bank Lenders in Australia for Financial Flexibility

Are you looking for financial flexibility but don't want to go through the traditional banking route? Australia has a thriving non-bank lending industry that can provide you with the funds you need. In this comprehensive list, we explore the top non bank lenders in Australia that offer attractive interest rates, flexible loan terms, and streamlined application processes. With the rise of online platforms and innovative fintech companies, borrowers now have more options than ever when it comes to securing [...]

Top Non Bank Lenders in Australia for Financial FlexibilityRay Ethell2024-08-02T09:53:37+10:00

Tax Debt – How long does the ATO give you to pay a Tax Debt?

Are you feeling the weight of your tax debt in Australia? It's essential to understand the deadline set by the Australian Taxation Office (ATO) for paying off your obligations. In this article, we will delve into the timeframe you have to settle your tax debt and the consequences of missing the ATO's deadline. When it comes to fulfilling your tax obligations, time is of the essence. The ATO sets specific deadlines for taxpayers to pay their outstanding debts, and [...]

Tax Debt – How long does the ATO give you to pay a Tax Debt?Ray Ethell2024-07-29T09:45:18+10:00

How to Secure Loans with Bad Credit in Australia

How to Secure Loans with Bad Credit in Australia: Expert Tips and Strategies Are you feeling frustrated by your bad credit score and wondering if it's possible to secure a loan in Australia? Well, the good news is that there are strategies and expert tips you can utilize to increase your chances of obtaining a bad credit loan. In this article, we'll explore everything you need to know about securing loans with bad credit in Australia. Having bad credit [...]

How to Secure Loans with Bad Credit in AustraliaRay Ethell2024-07-25T09:54:50+10:00