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)

Pros & Cons Of Private Lenders: What Every Australian Borrower Should Consider

What are the Pros & Cons Of Private Lenders? When seeking financial assistance, Australian borrowers have a range of options to choose from, including traditional banks, credit unions, and private lenders. Private lenders, in particular, have gained popularity due to their more flexible lending practices and faster approval processes. However, like any financial decision, there are both pros and cons to consider before choosing a private lender for your borrowing needs. Pros of Private Lenders: Flexibility in Approval: One [...]

Pros & Cons Of Private Lenders: What Every Australian Borrower Should ConsiderRay Ethell2023-08-13T09:24:54+10:00

Expat Home Loans for Australian Citizens

What is An Expat Home Loan? Purchasing a home is a significant milestone in anyone’s life, but when you’re an expatriate (expat) living and working in a foreign country, the process can become more complex. Expats often face unique challenges when it comes to obtaining home loans, but with the right knowledge and guidance, securing a loan for your dream home can be within reach. In this article, we’ll explore the intricacies of expat home loans and provide valuable [...]

Expat Home Loans for Australian CitizensRay Ethell2023-08-12T08:54:55+10:00

Non Residents and Temporary Residents wishing to purchase a Property in Australia

Non Resident Home Loans Can you list non resident home loans Australia options for foreign citizens buying property? Many potential migrants (non residents and temporary residents) are eager to invest in real-estate market of the country and will require a Non Resident Home Loan. But, they do not fully understand that "Australian Visa Requirements" must be satisfied before they can consider borrowing funds to purchase a new or used home, or investment property in Australia. So, before you start [...]

Non Residents and Temporary Residents wishing to purchase a Property in AustraliaRay Ethell2025-11-12T11:39:55+11:00

Expat Home Loans for Australian Citizens Working and Living Overseas

Expat Home Loans in Australia Australian Citizens living overseas looking to buy property back in Australia often find it difficult to get the right answers. This article answers the 7 most frequently asked questions asked by Australian Expats looking for a home loan. 1) Is it possible to get a home loan as an Australian Citizen living abroad (Australian expat home loan)? Absolutely! Australians living overseas can get mortgage finance but its not as easy as if they were [...]

Expat Home Loans for Australian Citizens Working and Living OverseasRay Ethell2023-08-03T11:09:34+10:00

Home Loans for Older Borrowers

Home Loans for Older Borrowers in Australia Applying for home loans for older borrowers is always challenging especially when the loan term exceeds retirement age. Although it is illegal for lenders to discriminate based on age when granting a mortgage most Lenders have restrictions. Mortgage eligibility is not determined solely based on age; rather, lenders consider a variety of factors when evaluating mortgage applications. Here are some key points to consider when applying for home loans for older borrowers: [...]

Home Loans for Older BorrowersRay Ethell2023-07-25T10:16:51+10:00

Is a Bad Credit Home Loan Refinance a Good Option?

Bad Credit Home Loan Refinance There are many bad credit home loan refinance products for borrowers who experience financial difficulties. However, refinancing may not always be a recommended option because of the rates involved. If you are having difficulties making your mortgage repayment because of the high costs, you may have another option to take. Furthermore, you may consider refinancing your loan. However, if you have paid or unpaid defaults, writs, judgement's or a bad credit score, is it [...]

Is a Bad Credit Home Loan Refinance a Good Option?Ray Ethell2023-07-17T10:05:51+10:00

How to Get a Bad Credit Mortgage Refinance Loan

Getting a Bad Credit Mortgage Refinance Loan There is indeed a growing industry for lenders that provide various bad credit mortgage refinance loan products. You could take advantage of the proliferation of such loans if you have a bad credit profile or a low credit score and you direly need to refinance your existing mortgage. It is very unfortunate that bad credit has become a pressing and widespread problem among many people. The upside of this is that there [...]

How to Get a Bad Credit Mortgage Refinance LoanRay Ethell2023-07-10T09:21:11+10:00

Commercial Low Doc Loans to 80% LVR in Australia

Are Commercial Low Doc Loans to 80% LVR available in Australia? Yes, Commercial Low Doc Loans are available in Australia to 80% LVR in high population areas to those applicants that have a clean credit file. If credit Impaired the limit is 75% LVR and are only available in Capital Cities or cat 1 locations in Australia. When purchasing a retail location or using it for your own business commercial properties can still produce short or long term profits [...]

Commercial Low Doc Loans to 80% LVR in AustraliaRay Ethell2023-07-02T10:39:59+10:00

How Much Can I Borrow Loan Calculator in Australia

Can I rely on the accuracy of a How Much Can I Borrow Loan Calculator? My friend was looking at refinancing her mortgage in Australia but was unsure as to the long-term benefits of such a move. She had heard about a loan calculator that could compare products and wanted to run her own scenario. We tracked down one loan calculator but this was a simple how much can I borrow calculator. With these questions in mind it is [...]

How Much Can I Borrow Loan Calculator in AustraliaRay Ethell2023-06-02T07:40:00+10:00

Non Conforming Home Loans and Mortgages in Australia

Non Conforming Home Loans and Mortgages in Australia Non conforming home loans are basically defined as finance for those people who may be in unusual situations with how their income is paid or how they wish to finance their home loan or mortgage. Non conforming home loan borrowers are also people who may have been previously rejected for a home loan for a number of reasons such as bad credit history, bankruptcy or unusual incomes (more information on non [...]

Non Conforming Home Loans and Mortgages in AustraliaRay Ethell2023-05-31T09:38:14+10:00