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)

Home Loans For the Self Employed

Low Doc Home Loans for the Self Employed in Australia The mortgage crisis of the past few years has caused banks to tighten restrictions on lending practices. The preference these days for low risk loans has made mortgages for the self employed more difficult to obtain than in previous years. The two traditional loans for

By |2023-06-07T08:26:24+10:00March 3rd, 2023|Categories: Low Doc Loans|Comments Off on Home Loans For the Self Employed

Are Low Doc Home Loans Still Available?

Low Doc Home Loans in Australia Low doc home loans are a simple home loan that do not require income verification documents like tax returns. An income declaration signed by the borrower to support the application form and verification through your Accountant or BAS Statements is all it takes to get the low doc home

By |2023-06-07T08:34:28+10:00March 2nd, 2023|Categories: Low Doc Loans|Comments Off on Are Low Doc Home Loans Still Available?

What are Low Doc Home Loans in Australia

What are Low Doc Home Loans in Australia? Low doc home loans are those loans in which the borrower is either unable to or unwilling to submit proof of income. Hence these loans are categorized as high risk home loans. A low-doc home loan is riskier as compared to the standard home loan but it

By |2023-06-07T08:43:32+10:00March 1st, 2023|Categories: Low Doc Loans|Comments Off on What are Low Doc Home Loans in Australia

Low Doc Loans for Self Employed Aussies

Low Doc Loans for Self Employed Australians Self employed Australians whose financial position is 'unusual' and income 'irregular' tend to not meet the bank qualifying criteria will use low doc loans as a lending solution. Applying for a home loan involves the applicant putting together mountains of paperwork and places under the microscope every facet

By |2023-06-07T08:54:16+10:00February 28th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Loans for Self Employed Aussies

How to Refinance a Low Doc Home Loan

Refinancing Your Low Doc Home Loan There are so many people who are scared of qualifying for prime loans because they feel they do not meet some of the requirements set forth by lenders. One of the most common issues is not being able to present documents that will prove income like pay slips and

By |2023-06-07T09:25:15+10:00February 20th, 2023|Categories: Low Doc Loans|Comments Off on How to Refinance a Low Doc Home Loan

Low Doc Loans – Home Loans Australia

Low Doc Loans - How to Get a Loan Without Submitting a Lot of Documents Low doc loans are perfect for Self Employed people who cannot verify their income when applying for a home loan. Because lenders are very strict in approving loans, a lot of people are finding it extremely difficult to obtain a

By |2023-06-07T09:38:48+10:00February 15th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Loans – Home Loans Australia

Commercial Loans for Your Business

Commercial Loans for Your Business When you are in business whether, as a sole trader or a company, there will be times when the business cannot generate enough cash flow to meet its ongoing operating expenses and you require a commercial loans. Your need for cash will also arise when you will expand business operations

By |2023-06-07T09:46:26+10:00February 14th, 2023|Categories: Low Doc Loans|Comments Off on Commercial Loans for Your Business

Development Funding – Building Projects

Development Funding in Australia Finding development funding in today's financial climate is no easy task with many of the lenders who would previously fund such projects have either pulled back severely on all their normal lending or in many cases have simply either stopped lending or gone out of business completely. There are however still

By |2023-06-07T10:01:24+10:00February 13th, 2023|Categories: Low Doc Loans|Comments Off on Development Funding – Building Projects

Land Development in Australia

The process of Land Development in Australia Have you ever considered what it takes for raw land to turn into the massive land developments we see all around us? Very few things in the world take as much consideration as how to create a land development. It takes developers many months to look into past,

By |2023-06-07T10:08:46+10:00February 11th, 2023|Categories: Low Doc Loans|Comments Off on Land Development in Australia

Non Bank Lenders in Commercial Finance

Non Bank Lenders v Banks Non Bank Lenders: Gone are the good old days when we could pick up the phone or better yet walk in to our local community bank and request a loan. In today's challenging marketplace, it's imperative to get to know your lenders if you want them to take you seriously.

By |2023-06-07T10:15:11+10:00February 6th, 2023|Categories: Low Doc Loans|Comments Off on Non Bank Lenders in Commercial Finance
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