About Ray Ethell

Ray Ethell offers a wealth of experience to his clients, gained from 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)

The Advantages of a Low Documentation Mortgage

Are you dreaming of owning your own home but worried about the tedious documentation process? We have the solution for you: a low documentation mortgage. With this type of loan, you can unlock the advantages of home ownership with less paperwork and hassle. A low documentation mortgage is an appealing option for self-employed individuals or

By |2024-05-06T09:39:00+10:00May 6th, 2024|Categories: Low Doc Loans|0 Comments

Building Your Dream Home with Low Doc Construction Loans

Low Doc Construction Loans in Australia Building your dream home is an exciting endeavor, but it often comes with a myriad of challenges, including financing. Traditional mortgage loans require extensive documentation, which can be a barrier for self-employed individuals or those with non-traditional income sources. Fortunately, low doc construction loans offer a solution for those

By |2023-10-09T09:39:53+11:00September 29th, 2023|Categories: Low Doc Loans|Comments Off on Building Your Dream Home with Low Doc Construction Loans

Understanding Low Doc Mortgages in Australia

Obtaining a mortgage is a significant milestone in the journey to home ownership, enabling individuals and families to achieve their dreams of having a place to call their own. However, the traditional mortgage application process can be quite rigorous, requiring a substantial amount of documentation and proof of financial stability. This can be particularly challenging

By |2023-08-19T10:20:40+10:00August 19th, 2023|Categories: Low Doc Loans|Comments Off on Understanding Low Doc Mortgages in Australia

Lease Doc Loans For Commercial Real Estate Properties

Lease Doc Loans in Australia Real estate investments have long been considered a lucrative avenue for wealth creation and portfolio diversification. However, entering the real estate market requires substantial capital, which can be a barrier for many potential investors. This is where lease doc loans come into play. In this article, we will explore what

By |2023-08-17T16:12:47+10:00August 17th, 2023|Categories: Low Doc Loans|Comments Off on Lease Doc Loans For Commercial Real Estate Properties

A Comprehensive Guide to Low Doc Mortgages

Low Doc Mortgages in Australia In the world of mortgage financing, low documentation mortgages, commonly referred to as low doc mortgages have emerged.  They are a flexible solution for individuals who may not have traditional income verification documents readily available. These mortgages cater to self-employed individuals, small business owners, freelancers, and those with unconventional income

By |2023-08-17T10:31:11+10:00August 17th, 2023|Categories: Low Doc Loans|Comments Off on A Comprehensive Guide to Low Doc Mortgages

Low Doc Rural Loans are Gaining Attraction in Australia

Low Doc Rural Loans in Australia The Australian agriculture and rural sector, often referred to as the backbone of the nation, plays a crucial role in the economy, food security, and rural communities. However, the sector faces numerous challenges, including volatile commodity prices, changing climatic conditions, and evolving global trade dynamics. To overcome these challenges

By |2023-08-14T10:03:14+10:00August 14th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Rural Loans are Gaining Attraction in Australia

Low Doc Loan vs Non-Conforming Loans

Is a Low Doc Loan and a Non Conforming Loan the same thing? Non conforming home loans have become quite popular in Australia. These loans are offered by non-conforming lenders or those who are not associated with the banks. Although there are some borrowers who may feel that low doc loans and non conforming home

By |2023-06-03T12:04:39+10:00May 29th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Loan vs Non-Conforming Loans

Getting Acquainted With Your Credit File

Understanding Your Credit FileSit down with a friend and ask them questions about themselves. They'll be able to tell you things such as what there favourite foods are, their favourite cars, how they like their coffee, what time they like to get up, go to bed, etc. Ask them how much they know about their

By |2023-06-07T08:01:04+10:00March 28th, 2023|Categories: Low Doc Loans|Comments Off on Getting Acquainted With Your Credit File

Understanding Commercial Property Loans

Commercial Property Loan Options In order to successfully obtain a loan there is a certain level of documentation that is required to prove the borrower can sufficiently service the loan. There are four levels of commercial property loans which can be carried out; full doc commercial loans, lease doc commercial loans, low doc commercial

By |2023-06-07T08:13:05+10:00March 15th, 2023|Categories: Low Doc Loans|Comments Off on Understanding Commercial Property Loans

Low Doc Home Loans Explained

Low Doc Home loans in Australia The mortgage crisis of the past few years has caused banks to tighten restrictions on lending practices. The self employed Australian have found it more difficult to obtain a home loan than in previous years. A typical mortgage application may involve: income documentation asset documentation employment documentation tax records

By |2023-06-07T08:16:21+10:00March 6th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Home Loans Explained
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