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)

Why choose only a Professionally Qualified and Specialised Finance Broker for Development Funding?

Development Funding is a form of funding suitable for experienced builders and developers that require progress payments during the construction period of their project. Suitable Development Funding Projects Development funding will require the assistance of an expert finance broker who has the required skills and experience to negotiate development finance on your behalf to fund any of the following projects: Residential construction Commercial property Industrial property Retail property Land subdivisions What Information do I need to provide for a [...]

Why choose only a Professionally Qualified and Specialised Finance Broker for Development Funding?Ray Ethell2023-06-28T11:56:24+10:00

Tips for Choosing a Non Conforming Lender

Dealing with Non Conforming Lenders If you needed to borrow money many years ago, you would go to the local bank where you had an account. You would fill out the loan application and hope that it would be approved. If it was declined because of your credit history, you did not have many other options. The amount of lenders that you can turn to if you want to borrow money has grown. You are still at risk for [...]

Tips for Choosing a Non Conforming LenderRay Ethell2023-06-28T12:05:29+10:00

Why is a Good Credit Rating Important?

Why is a Good Credit Rating Important in Australia? When you lodge an application for a home loan, the first thing your bank will do is to check your credit score. A credit score or credit history is basically a result derived from the analysis of a person's credit files. When you lodged your application for a home loan, the bank will evaluate you in terms of your ability to repay the loan on time based on servicing and [...]

Why is a Good Credit Rating Important?Ray Ethell2023-06-28T12:12:16+10:00

Most Common Ways That People Fall Into Personal Bankruptcy

Main Causes of Bankruptcy in Australia Bankruptcy is a fact of life in a capitalist economy. The ups and downs of the economy cause many households to enjoy prosperity before a rapid decline. In an era where most people live paycheck to paycheck, debt has become increasingly difficult to manage. Many people have little choice but to gain a fresh start through bankruptcy. Business failure, high-interest credit card and personal loan debt, and lack of insurance are three of [...]

Most Common Ways That People Fall Into Personal BankruptcyRay Ethell2023-06-28T12:29:49+10:00

How to Choose a Consumer Credit Counseling Service?

Choosing a Consumer Credit Counceling Service in Australia There are numerous people struggling with debts and are unable to consolidate these debts into a home loan or an unsecured loan and are looking for help. If you are the one who is seeking help, then you must consider taking help from consumer credit counseling service. They have plenty of people who are willing to discuss about your debt problems and help you to solve them without facing any further [...]

How to Choose a Consumer Credit Counseling Service?Ray Ethell2023-06-28T12:40:14+10:00

Consolidate Your Debts and Take Control of Your Finances

How to Consolidate Your Debts To consolidate your debts with the aim of settling the arrears, people some times file for bankruptcy or Part 9 when they face financial problems. It is a general belief that all the problems can be got rid of quickly by this method. One must know that the credit rating under your name will be affected by this process. Debt Consolidation Loans with Bad Credit If you are burdened with a heap of debts, [...]

Consolidate Your Debts and Take Control of Your FinancesRay Ethell2023-06-28T12:52:30+10:00

Bad Credit Loans due to a Bad Credit Report

A Credit Report plays a vital role in analyzing the current financial status of an individual. Bad creditors often have to make many compromises as most of the people considered that they cannot afford to live the lifestyle they used to due to having bad credit. People who maintain their financial records can enjoy good credit ratings and often give preference to offer the loans. People with bad credit scores often get denied with the loan approvals because lenders [...]

Bad Credit Loans due to a Bad Credit ReportRay Ethell2023-06-28T12:58:29+10:00

Business Line of Credit: A Lifeline of Your Financial Needs!

Secured or Unsecured Business Line of Credit A business line of credit is one of the most popular type of business loans for the small business owners or those who are starting up a new business. It could act as a lifeline of financing that allows them to pay their bills, meet their payroll and continue to operate even when the times are tough or business is slower than usual. Being a business owner, you know that there are [...]

Business Line of Credit: A Lifeline of Your Financial Needs!Ray Ethell2023-06-28T13:04:07+10:00

Debt Consolidation Loans are a Solution to Multiple Debt Problems

Take Control of Your Finances with Debt Consolidation Loans In this world of consumerism, with so many products and services that lure us all the day and night it imperative to fall into their trap. This might entail dismantling your budget. While to a few it may also mean borrowing a sum from the available lenders. The lenders will be happy to lend while borrower will be happier to buy the desired product or service. But one often forgets [...]

Debt Consolidation Loans are a Solution to Multiple Debt ProblemsRay Ethell2023-06-29T09:14:45+10:00

Quick Business Loans for Small Businesses

Unsecured Small Business Loans in Australia There are numerous small business owners who are looking for quick business loans and we provide them with that. The generic size of loan that small businesses apply for and easily qualify for is in the vicinity of $15 thousand to $25 thousand, however there are those who require over a $100 thousand and do get it equally easily. We do request all those who apply for the funding to be sure about their requirements. [...]

Quick Business Loans for Small BusinessesRay Ethell2023-06-29T09:19:01+10:00