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)

Explore the World of Private Lenders in Australia

Welcome to the world of private funding in Australia, where traditional banks take a backseat and alternative lending options steal the spotlight. In this article, we unravel the mystery of private lenders and shed light on the growing trend that is reshaping the finance landscape. Since the GFC, the banks have increasingly de-risked, leaving the bottom of the investment grade credits and top end of the sub-investment grade market to new entrants. Around eight years ago, this was more [...]

Explore the World of Private Lenders in AustraliaRay Ethell2024-07-21T10:21:40+10:00

How to Get a Home Loan with Bad Credit in Australia

Securing a home loan with bad credit in Australia can be a complex process, especially for those with a less-than-perfect credit history. It's important to understand the basics of home loans and how bad credit can impact your ability to obtain one. A home loan, also known as a mortgage, is a type of loan used to finance the purchase of a property. Lenders, such as banks and other financial institutions, evaluate a borrower's creditworthiness based on factors like [...]

How to Get a Home Loan with Bad Credit in AustraliaRay Ethell2024-07-09T10:10:44+10:00

Bad Credit and Securing Loans in Australia

A Complete Guide to Overcoming Bad Credit and Securing Loans in Australia Are you feeling overwhelmed by bad credit? Worried that it's holding you back from securing a much-needed loan in Australia? Don't despair – help is at hand. In this complete guide, we'll show you how to overcome bad credit and improve your chances of securing loans. Bad credit doesn't have to be a barrier to financial success. With the right strategies and a little bit of patience, [...]

Bad Credit and Securing Loans in AustraliaRay Ethell2024-06-13T09:44:46+10:00

How a Home Loan can Help Consolidate Debt

Unlocking Financial Freedom: How a Home Loan can Help Consolidate Debt even with Poor Credit Are you weighed down by high-interest debts and a not-so-perfect credit score? Don't worry, there's a way out. In this article, we will explore how a home loan can be the key to unlocking your financial freedom, even if you have poor credit. Consolidating your debts can be a smart financial move, allowing you to streamline your payments and potentially reduce your interest rates. [...]

How a Home Loan can Help Consolidate DebtRay Ethell2024-05-18T09:59:28+10:00

Get Approved for Home Loans Despite a Bad Credit History

Unlocking the Door to Homeownership: How to Get Approved for Home Loans Despite a Bad Credit History. Are you dreaming of owning your own home, but worried that your bad credit history will hold you back? Don't lose hope just yet. In this article, we will show you how to unlock the door to home ownership, even with a less-than-perfect credit score. Securing a home loan with a bad credit history may seem like an uphill battle, but it's [...]

Get Approved for Home Loans Despite a Bad Credit HistoryRay Ethell2024-05-07T09:35:45+10:00

The Benefits of Debt Consolidation Loans for Bad Credit Borrowers

Are you drowning in a sea of debt with no sign of relief? Are you tired of juggling multiple loan payments and struggling to make ends meet? If you have bad credit, the situation can feel even more hopeless. But fear not, because there is a solution that can help you break free from your financial burdens. Introducing debt consolidation loans for bad credit borrowers. Debt consolidation loans are designed to simplify your finances by combining all your debts [...]

The Benefits of Debt Consolidation Loans for Bad Credit BorrowersRay Ethell2024-05-04T12:06:34+10:00

The Role of Feasibility Studies in Property Development

With a growing housing affordability crisis in Victoria, ensuring a steady pipeline of property development projects is essential to tackling the issue long term. Property development projects can be large and complex, requiring in-depth planning even before the foundation is laid. Enter the feasibility study, an essential first step and a crucial tool for project evaluation and management. It ensures that projects are viable, technically sound and financially practical, serving as the foundation for successful development. Given the intricacies involved [...]

The Role of Feasibility Studies in Property DevelopmentRay Ethell2024-04-30T09:01:05+10:00

Low Doc Loans – Your guide to low doc loans in Australia

The landscape of financing has evolved significantly over the years, adapting to the changing needs and preferences of consumers. One notable trend that has gained traction is the rise of Low Doc Loans. These innovative financing options have emerged as a response to the changing dynamics of the modern workforce and the increasing demand for streamlined mortgage processes. In this article, we will delve into the concept of Low Doc Loans, explore their current trends, and speculate on their [...]

Low Doc Loans – Your guide to low doc loans in AustraliaRay Ethell2024-01-23T10:03:41+11:00

Low Doc Home Loans are still Available for the Self Employed Australian:

Low Doc Home Loans - Your Guide. If you’re a Self Employed Australian and someone who does not qualify for traditional mortgage finance solution, it’s worth considering low doc home loans that require less documentation at the time of application. The application for these low doc loans do not require you to produce documentation such as Tax Returns to back your stated income. Low Doc Loans are available for Purchase or Refinance, Debt Consolidation and for cash out (including Tax [...]

Low Doc Home Loans are still Available for the Self Employed Australian:Ray Ethell2024-01-15T09:52:56+11:00

Reasons Your Home Loan May Be Declined: Uncommon Pitfalls to Avoid

Why has My Home Loan been declined? Navigating the path to home ownership can be as complex as it is exciting. While most prospective buyers are aware of the common reasons a mortgage application might be declined – such as a low credit score or insufficient income – there are lesser-known pitfalls that can also derail your home-buying journey. Understanding these can be the key to not only securing your mortgage but also ensuring you get the best possible terms. [...]

Reasons Your Home Loan May Be Declined: Uncommon Pitfalls to AvoidRay Ethell2024-01-10T10:38:29+11:00