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)

Private Lenders – your Guide to Private Money Lenders

Private Lenders Guide in Australia A non-bankable commercial loan is described with the term, "commercial hard money" These Loans are generally provided by Private Lenders in Australia. This Private Loan applies when a company or individual has assets or real estate that are enough to collateralize a loan, but lacks standard servicing criteria for a bank loan. A Private Lender would be reluctant to lend if a property owner is losing money or has poor credit, additionally. Commercial private [...]

Private Lenders – your Guide to Private Money LendersRay Ethell2023-06-11T09:42:54+10:00

Your Guide to Commercial Property Loans in Australia

Commercial Property Loans: An Overview What are commercial property loans and who exactly are commercial property mortgage lenders? A commercial property loan is simply a loan that is made using a commercial property as collateral. Commercial Property Lenders are lenders that specialize in making loans against commercial property. It isn't altogether different than regular residential loans, just the collateral being presented against the loan is zoned commercial and requires a more diligent and legalistic approach to the lending experience. [...]

Your Guide to Commercial Property Loans in AustraliaRay Ethell2023-06-11T09:48:49+10:00

Extremely Bad Credit Home Loans

Are Home Loans with Extremely Bad Credit Available? If you thought it was impossible for people with extremely bad credit to get a home loan that work for them? Think again! We'll forgive you for thinking the only home loans available for people with financial problems are high interest ones, because that's the message you get when you listen to the media, the big lenders and majority of mortgage brokers. Most of them won't even give a extremely bad [...]

Extremely Bad Credit Home LoansRay Ethell2023-06-11T10:22:35+10:00

Very Bad Credit Home Loans

The Traps and Tips for Very Bad Credit Home Loans It's a real jungle out there in the world of very bad credit home loans, and when you are suffering from financial problems you're fair game to some. Sounds scary right? It needn't be if you familiarise yourself with the surrounds and get to know the traps, so you can see them from a mile away and avoid them like the plague! Very bad credit home loans are certainly [...]

Very Bad Credit Home LoansRay Ethell2023-06-11T10:28:14+10:00

Home Loan with Bad Credit Australia

Is it Possible to Get a Home Loan with Bad Credit in Australia? Approach any person in the street and ask them is it possible to get a home loan with bad credit or discharged bankruptcy situation in Australia. I can say with almost full certainty that the majority of these people you speak to will say that a bad credit home loans are not available or will incur huge interest rates that will render them impossible to pay [...]

Home Loan with Bad Credit AustraliaRay Ethell2023-06-11T10:42:08+10:00

Bad credit home loans Australia guaranteed approval

Is there such a thing as a Bad Credit Home Loan in Australia with a Guaranteed Approval? There are bad credit home loans available in Australia however there are no Guaranteed Approval of Bad Credit Home Loans. as there are still responsible lending obligations that the funders need to follow. The main onus on the funder is to make sure that the loan services from the income of the Applicants and generally a requirement of 5% Deposit Plus costs [...]

Bad credit home loans Australia guaranteed approvalRay Ethell2023-06-11T10:52:29+10:00

Mortgage lenders after Bankruptcy

Mortgage Lenders after Bankruptcy Many people think they must wait at least seven years to apply to a mortgage lender after bankruptcy. In the past, traditional mortgage lenders have automatically rejected people who had declared personal bankruptcy. This is a common misconception. While some people declaring bankruptcy have had trouble managing their money, a large number of those declaring have simply experienced unfortunate events. Australians are filing bankruptcy at record-high levels over the last five years. The rise in [...]

Mortgage lenders after BankruptcyRay Ethell2023-06-11T11:11:49+10:00

Understanding Non Conforming Home Loans

What are Non Conforming Home Loans? Non Conforming Home Loans are for people at certain times of their life that find themselves in financial hardship due to unfortunate circumstances. Before long they fall behind on their house or car repayments, are unable to pay the credit card bills, or struggle with other commitments such as council or water rates which can result in a writ or court judgment filed against them and listed on their personal credit report. Non [...]

Understanding Non Conforming Home LoansRay Ethell2023-06-11T11:17:01+10:00

Debt Consolidation Home Loans in Australia

Debt Consolidation Home Loans allow you to Consolidate your debts into a new home loan Increasing interest and living costs continue to put pressure on family budgets, budgeting and balancing the home finances is something very few take time to do. Access to credit cards and personal finance is fast, easy and convenient until you have to pay it back. Many people feel like they are in a downward spiral from which they don't know how to regain their [...]

Debt Consolidation Home Loans in AustraliaRay Ethell2023-06-11T11:23:11+10:00

Is a Bad Credit Home Loan Refinance Possible?

Can I Refinance my Home Loan with Bad Credit? Bad credit home loan refinance products are best for borrowers who could possibly default on home loans. The refinance program is specifically for people with a bad credit history or current arrears. The number of foreclosed homes due to mortgage defaults have drastically increased because of the increase in Interest rates and inflation. Many homeowners have lost their homes because of their inability to repay home loans. Some of them [...]

Is a Bad Credit Home Loan Refinance Possible?Ray Ethell2023-06-11T11:29:32+10:00