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)

Facts You Should Know About Low Doc Home Loans in Australia

What is a Low Doc Home Loan in Australia? Low doc home loans are those loans where the Self Employed borrower is either unable to or reluctant to submit evidence of lodged tax returns. Thus these loans are classified as high-risk home loans. A low-doc home advance is riskier when contrasted with the standard home credit yet it still has its very own requirements, which you should furnish to the bank so as to get an endorsement for the [...]

Facts You Should Know About Low Doc Home Loans in AustraliaRay Ethell2023-06-29T09:28:19+10:00

No Doc Loans from Private Lenders

No Doc Loans Unlike banks, No Doc Loans from Private Lenders or hard money is supplied by private money lenders. The term hard money implies that it is secured by real assets, such as a property. Hard money loans are generally easier to obtain as compared to bank loans. But they come up with huge cost and risk to the borrower. Many startups or new entrepreneurs go for this option when they fail to get any bank loans. Let’s [...]

No Doc Loans from Private LendersRay Ethell2023-06-29T09:34:58+10:00

Loans to Consolidate Debt for People with Bad Credit

How to Consolidate Debt with Bad Credit Would you like to consolidate your credit cards and other debt? Do you have a bad credit history? Today, many options are available online to help you reduce your debt. Whether you're searching online to find the one that works best for your situation can be overwhelming. Whatever caused your poor credit, you, like the rest of us, will almost certainly require a loan at some point. For people with damaged or [...]

Loans to Consolidate Debt for People with Bad CreditRay Ethell2023-06-29T09:43:34+10:00

3 Tips To Debt Consolidation

Debt Consolidation Options Before you commit to a debt consolidation program, you need to know what you want to accomplish and how you would like to see that happen. Since there are many different ways that you can undergo debt consolidation, you should choose an option which is right for you. 1. Do It Yourself With A Debt Consolidation Loan Now, if you have equity in a property you can obtain a good sized loan to pay off your [...]

3 Tips To Debt ConsolidationRay Ethell2023-06-29T09:55:22+10:00

How Can I Get a Mortgage If I Have a Bad Credit History?

Ensuring a clean slate in terms of financial management is challenging. A series of debts lined up in the credit report impact the lender’s decision in lending loans. And the mortgage is no different. Lenders indeed prioritize lending to individuals having pristine credit scores. In such a scenario, individuals’ curiosity is tested as to whether- Can I get a mortgage with a bad credit history? The idea of having bad credit automatically disqualifies the individual from securing the a [...]

How Can I Get a Mortgage If I Have a Bad Credit History?Ray Ethell2023-06-29T10:02:55+10:00

Guidelines to Fix Bad Credit Effectively Through Dispute

How to Fix Bad Credit Is it possible to live with bad credit? Yes, but it’s going to be tough. Having a bad credit score can make things impossible, pricier and a lot more complicated. For instance, drivers with bad credit scores are usually charged higher interest rates by most insurance companies. Also, if you are acquiring new utilities, the company will have to verify your credit history before deciding whether you should shell out a security deposit or [...]

Guidelines to Fix Bad Credit Effectively Through DisputeRay Ethell2023-06-29T10:07:33+10:00

Consolidating Debt with Bad Credit

Got Bad Credit? Here’s How to Consolidate Your Debts with Bad Credit How to consolidate your debt with bad credit? Some would say "easy!" as the process is basically the same as for your regular debts. Debt Consolidation allows you to refinance your home loan with bad credit so you can keep track of your payments easier and reduce general costs. This can be obtained by making only one payment per month, instead of multiple different payments. Each payment [...]

Consolidating Debt with Bad CreditRay Ethell2023-06-29T10:15:48+10:00

Dealing with debt – what to know about debt consolidation

Debt Consolidation Loans Not only can too much debt impact your credit score, but they can also take their toll and dig you into a hole where making payments on things like loans and credit card bills can get to a point where it's unmanageable. In some situations, mainly when your credit score is good, looking at a debt consolidation loan can be an option that could slowly help you get from beneath a mountain of debt. For many, [...]

Dealing with debt – what to know about debt consolidationRay Ethell2023-06-29T10:24:54+10:00

Commercial Property Finance in Australia

Commercial Property Finance Are you seeking commercial property finance? Working with a commercial loan broker lets you access and compare different products in the market from various lenders. After all, the commercial finance market is bigger than it seems, and there are some deals that you might not be aware of. A good broker is also an excellent source of unbiased advice and can negotiate better terms on your behalf—at no cost to you. This professional will help you [...]

Commercial Property Finance in AustraliaRay Ethell2023-06-29T10:34:09+10:00

Debt – Taking Control of your Financial Situation

Tips on Debt Solutions Available in Australia Debt can be a winding cycle that people ignore until the situation becomes worse. If you are in debt, you need to find a solution as soon as you can. Managing debt effectively involves paying off debts regularly to preserve your credit rating and get your finance back on track. Income and Expenses One of the crucial steps that will begin your journey towards freedom from debt is to list down your [...]

Debt – Taking Control of your Financial SituationRay Ethell2023-06-29T10:42:14+10:00