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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)

Tips For Getting a Bad Credit Mortgage in Australia

How to get a Bad Credit Mortgage in Australia There are ways on how you could protect your interests when getting a bad credit mortgage loan. Having bad credit does not mean you are left with no choice but to stick with inferior credit products. There is a viable option to take if you find it hard to repay your mortgage payment obligations and you do not want to fall into a default. You could take a bad credit [...]

Tips For Getting a Bad Credit Mortgage in Australia2023-06-10T09:54:35+10:00

What are the Available Options For a Bad Credit Refinance?

Bad Credit Refinance Loans Bad Credit Refinance: Borrowers of bad credit refinance loans are given two options to access their loan amounts. They could get either a credit facility or a cash out of the full borrowed amount. Many people are suffering from financial distress. The situation could be worse if you have a current mortgage and you are finding it much harder, if not impossible, to pay regular amortizations. Bad credit refinance is among the best ways to [...]

What are the Available Options For a Bad Credit Refinance?2023-06-10T10:07:23+10:00

How To Pay Off Bad Credit Card Debt

How To Pay Down Credit Cards with Bad Credit Options How to pay down a credit card debt is a question on everyone's mind. Everyone is trying to sell us some form of credit from flashy cards with travel bonuses to low interest rate balance transfers. The real risk of more credit comes when the repayments are all to much when you might have a tough month or even worse when you lose your job or a your primary [...]

How To Pay Off Bad Credit Card Debt2023-06-10T10:15:57+10:00

Commercial Property Refinance A Smart Solution For Business

A Commercial Property Refinance may be good for your Business A commercial property refinance may be the best option for business today. Even with the buoyant expectations of entrepreneurs like Warren Buffet, and the pundits on Wall Street who have predicted that the economy is on the rise, many independent business owners are still feeling the effects of a stagnant economy. With banks and lending institutions tightening their belts, it can be difficult to find a commercial property loan [...]

Commercial Property Refinance A Smart Solution For Business2023-06-10T10:24:44+10:00

Commercial Property Loan with Defaults: Help!

Can you get a Commercial Property Loan with paid or Unpaid Defaults? In most cases when applicants take on commercial property loan they do not take time to critically analyze whether they got the best deal possible. Many default in their loan repayment due to various factors. Quite undeniably, the business world keeps changing and hence business becomes gravely affected. The changes that take place may require one to reevaluate his or her position when it comes to servicing the [...]

Commercial Property Loan with Defaults: Help!2023-06-10T10:31:44+10:00

Reasons For Applying For a Bad Credit Home Loan Refinance

When does it make sense to Apply for a Bad Credit Home Loan Refinance? Bad credit home loan refinance loan products are available to borrowers who are facing pressing issues financially. These people could be suffering from uncontrollable debts and could be aiming to runaway from high mortgage rates. Popular Bad Credit Home Loan Products It is not surprising that bad credit home loan refinance loan products are very popular these days. First, many homeowners are in trouble because [...]

Reasons For Applying For a Bad Credit Home Loan Refinance2023-06-10T10:36:04+10:00

How to Apply For Bad Credit Home Loan Mortgage Refinance

Refinance your home loan with Bad Credit Mortgage It is now possible to get a  bad credit home loan mortgage refinance for borrowers who are facing possible foreclosure. Applying for such a loan could be less tedious if necessary documents are prepared beforehand and you know how/where to process the loan application. Mortgage Refinance For Bad Credit Borrowers Are you in financial distress? Is your poor credit standing a detriment to any financial solution that you could possibly take? Is [...]

How to Apply For Bad Credit Home Loan Mortgage Refinance2023-04-27T08:49:37+10:00

Bad Credit Home Loan Refinance Now Made Possible

New Hope For Bad Credit Home Loan Borrowers Bad credit home loan refinance is a solution for borrowers who have too much unsecured debt or are on the brink of having their mortgaged homes foreclosed. Now, the application process for the loan has been made quicker and more effective to make it more advantageous to borrowers with poor credit scores. The recent impact of the global financial crisis has really struck so many mortgage borrowers. It is not uncommon [...]

Bad Credit Home Loan Refinance Now Made Possible2023-06-10T10:43:16+10:00

Self Employed Home Loans – Determining Income

How a Lender can Determine Income on Self Employed Home Loans Self Employed Home Loans: Traditional mortgages rely on lodged tax returns to verify income, which the bank underwriters use to determine the loan interest rate, monthly payment, and risk of default. For those with lodged tax returns and monthly pay stubs, income is fairly easy to determine. For self employed home loans, income cannot be verified using employer paystubs. The lender must use different estimates to determine the [...]

Self Employed Home Loans – Determining Income2023-06-10T11:32:19+10:00

Private Commercial Property Loans – Investing In The Future

Private Commercial Property Loans Private Commercial Property Loans: Taking out private commercial property loans is an investment in the future of your business as well as being an investment in the economy itself. Property is one sector of the economy that is able to ride out the worst of a recession. Although there are times that the real estate market dips and prices tend to decrease, property will always be one of the safest investments to make as a [...]

Private Commercial Property Loans – Investing In The Future2023-06-10T11:39:35+10:00
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