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)

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 [...]

Reasons Your Home Loan May Be Declined: Uncommon Pitfalls to AvoidRay Ethell2025-11-12T11:46:08+11:00

Can I Refinance a Home Loan with Bad Credit? Understanding Your Options

For many homeowners, refinancing can offer a path to better interest rates, lower monthly payments, or a shorter loan term. However, if you have a default or judgement on your credit report, you might be wondering if refinancing is even a possibility. The good news is that while challenges exist, there are steps you can take to improve your chances of refinancing successfully. The Impact of Bad Credit / Defaults and Judgements on a Home Loan Refinance Bad Credit, defaults [...]

Can I Refinance a Home Loan with Bad Credit? Understanding Your OptionsRay Ethell2024-01-10T08:21:43+11:00

Bad Credit Home Loans for Purchasing and for Debt Consolidation

When applying for a home loan, your credit history is one of the most important parameters that lenders take into serious consideration. Low credit score or a bad credit history dotted with paid or unpaid defaults and other financial troubles can often make it difficult for you to qualify for a traditional home loan. Borrowers with Bad Credit can still get a Home Loan Most banks and major institutional lenders follow traditional rules and criteria for lending for bad credit [...]

Bad Credit Home Loans for Purchasing and for Debt ConsolidationRay Ethell2024-01-09T08:54:28+11:00

Understanding Low Doc loans in Australia and the Advantages?

Investing in property can be a lucrative venture, providing a steady income stream and potential long-term financial growth. However, navigating the complex world of property investment can be challenging if you are Self Employed, especially when it comes to securing financing. One option that has gained popularity in recent years is the Low Documentation Home Loan, commonly known as Low Doc Loans. This financial tool has opened doors for many aspiring property investors who may not have a traditional [...]

Understanding Low Doc loans in Australia and the Advantages?Ray Ethell2023-11-29T10:08:09+11:00

What is a Low Doc Home Loan in Australia – An Overview

Becoming a homeowner is a significant milestone that many individuals aspire to achieve. In Australia, the dream of owning a home is within reach for a wide range of people, including self-employed individuals. However, navigating the traditional mortgage process can be challenging for those who don’t have a standard employment history and a stack of paperwork to prove their income. This is where a “Low Doc Home Loan” come into play, offering a flexible pathway to home ownership for [...]

What is a Low Doc Home Loan in Australia – An OverviewRay Ethell2023-11-17T10:52:45+11:00

Car Finance Options – What is right for me?

Car Finance Options in Australia Besides buying a house, for many Australians, buying a car is one of the most expensive purchases they ever make in their life. Australia had 22.5 million registered motor vehicles as at 31 Jan 2023. When it comes to motor vehicles per 1,000 people, Australia comes in 8th position in a worldwide comparison. There is no doubt Australians have a passion for cars and other motor vehicles. An interesting fact is that most Australians [...]

Car Finance Options – What is right for me?Ray Ethell2023-10-07T12:09:21+11:00

Are there Debt Consolidation Loans with Bad Credit in Australia?

Debt Consolidation Loans with Bad Credit Managing debt can be a challenging aspect of personal finance. From credit card balances to car loans and student debt, many individuals find themselves juggling multiple financial obligations. One option to ease this burden is a debt consolidation loan. This involves combining various debts into a single, more manageable loan. One method of doing this is by consolidating debts into your mortgage. Pros of Consolidating Debts into Your Mortgage Lower Interest Rates: Mortgages [...]

Are there Debt Consolidation Loans with Bad Credit in Australia?Ray Ethell2023-10-09T08:27:03+11:00

What is the minimum credit score for a Home Loan in Australia?

Get Your Credit Score Up As High As You Can When lenders begin the process of determining whether or not they will give you a loan, they will first do an analysis of your credit score. Part of this analysis is to run a credit history report. Even if you already own a home and think you no longer need to worry about your credit, there may come a time when you need to refinance your current loan for [...]

What is the minimum credit score for a Home Loan in Australia?Ray Ethell2023-09-19T09:28:16+10:00

Getting a Home Loan After Bankruptcy Difficult But Possible – Here is How You Do It

You can get a Home Loan after Bankruptcy Life happens! You lose your job, you lose your house, your car is repossessed, and then to keep the creditors from hounding you at all hours of the day, you file a bankruptcy. Well, what did they expect? It’s not like you’re a deadbeat. It’s not like you went to work and asked the boss to terminate you so you could go home and eat Bon Bons. No, you lost your [...]

Getting a Home Loan After Bankruptcy Difficult But Possible – Here is How You Do ItRay Ethell2025-11-12T12:04:19+11:00

95% LVR Home Loan for Discharged Bankrupts

Can yo get a 95% LVR Home Loan after Bankruptcy? Emerging from bankruptcy can be a challenging journey, but it’s important to remember that it’s not the end. One of the most significant steps towards rebuilding your financial life is regaining your creditworthiness. In recent times, there has been a growing trend of offering 95% LVR home loans to former bankrupts. This can be a beacon of hope for those looking to get back on their feet. The Road [...]

95% LVR Home Loan for Discharged BankruptsRay Ethell2023-09-11T09:12:26+10:00