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Ray

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 Doc Home Loans are specially designed for the Self Employed Australian

Low Doc Home Loans are Still Available in Australia Low Doc Home Loans (Low Document Home Loans) are home loans offered by lenders to specifically meet the requirements of Self-Employed Australian Borrowers. Generally low doc home loans require alternative income verification which includes but is not limited to a self-certification of income by the borrower, an accountants letter, bank/trading statements and/or BAS statements. The requirements vary between lenders and generally combine 2 or more of the above low doc [...]

Low Doc Home Loans are specially designed for the Self Employed Australian2023-09-09T10:15:34+10:00

Renting vs. Owning After being Discharged from Bankruptcy: The Home Loan Decision

Should I Rent or Should I Buy a Home after being Discharged from Bankruptcy? Being discharged from Bankruptcy is a challenging financial hurdle that can leave a lasting impact on your credit and your ability to make significant financial decisions, such as buying a home. After being discharged from bankruptcy, one of the biggest decisions you’ll face is whether to rent or buy a home. This article aims to provide guidance by examining the advantages and disadvantages of renting [...]

Renting vs. Owning After being Discharged from Bankruptcy: The Home Loan Decision2023-08-28T09:29:29+10:00

How a Bad Credit History Can Still Get You a Home Loan in Australia

Can I Still get a Home Loan in Australia with a Bad Credit History? 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 payment defaults and other financial troubles can often make it difficult for you to qualify for a traditional mortgage. But, that’s only half of the story. The good news is that despite having [...]

How a Bad Credit History Can Still Get You a Home Loan in Australia2023-08-27T10:01:40+10:00

The Rise of Private Money Lenders

Private Money Lenders in Australia In an era of rapidly evolving financial landscapes, traditional lending institutions have faced increasing challenges in meeting of borrowers. Enter private money lenders, a dynamic force that is reshaping the world of finance. These alternative financiers offer a fresh perspective on lending, empowering individuals and businesses alike to access the capital they need. The Rise of Private Lenders in Australia Private money lenders, often referred to as hard money lenders or private lenders, have [...]

The Rise of Private Money Lenders2023-08-26T10:45:17+10:00

Can You get 95% LVR Mortgages for Discharged Bankrupts

Mortgages After Bankruptcy to 95% LVR in High Population Areas Being discharged 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. Lenders have been offering 95% mortgages to discharged bankrupts for those looking to get back on their feet. The Road to Recovery after Bankruptcy Bankruptcy is a legal process that provides relief to individuals overwhelmed [...]

Can You get 95% LVR Mortgages for Discharged Bankrupts2023-08-24T10:23:27+10:00

Debt Consolidation for Those with Bad Credit: It’s Possible

Debt Consolidation into a Home Loan with Bad Credit Debt consolidation can be a lifeline for individuals drowning in a sea of debt, but for those with bad credit. The prospect may seem daunting or even impossible. The good news is that it’s not. While having bad credit can make the process a bit more challenging, debt consolidation with bad credit is still a viable option to help regain control of your finances and work towards a debt-free future. [...]

Debt Consolidation for Those with Bad Credit: It’s Possible2023-08-21T08:57:54+10:00

How to Consolidate Debt into Your Home Loan

Your Guide to Consolidate Debt into Your Home Loan To consolidate debt into your home loan, can be a powerful tool for managing your finances and achieving greater financial stability. Owning a home is a significant milestone in one’s life, and it comes with numerous financial benefits. One such advantage is the ability to tap into your home’s equity to consolidate high interest debt. This financial strategy, known as . In this article, we’ll explore what debt consolidation with [...]

How to Consolidate Debt into Your Home Loan2023-08-20T09:02:10+10:00

10 Reasons to Consider Low Doc Home Loans

Your Guide to Low Doc Home Loans in Australia For individuals who are self-employed, freelancers, or have non-traditional income sources, obtaining a traditional mortgage can often be a challenging endeavor. Low doc home loans have emerged as a viable alternative, offering a more accessible path to home ownership. These mortgages are designed to cater to individuals whose financial situation might not fit the conventional mold. In this article, we’ll explore 10 compelling reasons why you should consider a low [...]

10 Reasons to Consider Low Doc Home Loans2023-08-19T10:04:57+10:00

Understanding Low Doc Commercial Loans

Low Doc Commercial Loans in Australia - Your Guide When it comes to funding for businesses, one size certainly does not fit all. Small and medium-sized enterprises (SMEs) often face challenges when seeking financing due to various reasons such as limited documentation, time constraints, or unique business models. This is where low doc commercial loans come into play, offering a tailored solution that caters to the specific needs of these businesses. These loans provide a viable alternative for businesses [...]

Understanding Low Doc Commercial Loans2023-08-18T10:17:07+10:00

Exploring Low Doc Home Loans in Australia

Is a Low Doc Home Loan Right for Me? Purchasing a home is a significant milestone for many Australians, symbolizing financial stability and personal achievement. However, traditional mortgage application processes can pose challenges for individuals with non-traditional income documentation or self-employed status. This is where Low Doc Home Loans come into play, offering a viable path to home ownership for those who may not meet the stringent requirements of conventional loans. In this article, we will delve into the [...]

Exploring Low Doc Home Loans in Australia2023-08-17T11:32:05+10:00
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