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)

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

Non-Resident Loans for Property Buyers

Are you a Chinese National looking to buy Real Estate Property in Australia? If you are a non-resident and you want to buy real estate property in Australia then you should consider the following factors: >> Are you on a student visa and looking for property that is close to schools and transport? >> Do

By |2023-06-07T10:20:19+10:00February 3rd, 2023|Categories: Low Doc Loans|Comments Off on Non-Resident Loans for Property Buyers

Low Doc Home Loan vs Non Conforming Loan

Low Doc Home Loan v Non Conforming Loan As a consumer you are undoubtedly confused by the multitude of different home loan products advertised by lenders and brokers. The use of clever marketing tactics may lead you to believe that Low Doc loans and Non Conforming loans are essentially the same - but this is

By |2023-06-07T10:24:12+10:00February 2nd, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Home Loan vs Non Conforming Loan

Low Doc Mortgages – Tips and Advice

Low Doc Mortgages in Australia Low Doc Mortgages: Due to the recent sub-prime mortgage meltdown, many lenders have changed the way they operate. Before 2007, you used to be able to walk into a bank with a poor credit score and get no money down loans approved. This ultimately led to many people defaulting on

By |2023-06-07T10:30:19+10:00February 1st, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Mortgages – Tips and Advice

Advice for Owner-Builders

Advice for Owner-Builders: Get Finance Before Building Your Dream HomeIt is a dream for owner-builders to build their very own new home. There is no greater satisfaction for owner-builders than to admire their new home. Building a new home requires great amount of work and money. Often owner-builders spend their money on the following things

By |2023-06-07T10:34:43+10:00January 31st, 2023|Categories: Low Doc Loans|Comments Off on Advice for Owner-Builders

Low Doc Loan vs No Doc Loan

What is the Difference between a Low Doc Loan and a No Doc Loan? In recent years, one of the fastest growing segments of the Australian mortgage market has been the no doc loan. These are loans for which borrowers are able to "certify" their income by alternative methods during the application process. Full financial

By |2023-06-07T10:42:46+10:00January 29th, 2023|Categories: Low Doc Loans|Comments Off on Low Doc Loan vs No Doc Loan

Short-Term Business Loans for Urgent Cash

Short-Term Business Loans Are for When Your Business Needs Urgent Cash Most small to medium-sized business owners often need urgent working capital or cash flow. What are Unsecured Short-Term Business Loans? It will provide your business with a suitable funding alternative to traditional business loans. Here is a list of reasons why the loan package

By |2023-06-07T10:47:17+10:00January 25th, 2023|Categories: Low Doc Loans|Comments Off on Short-Term Business Loans for Urgent Cash

How to Obtain a Rural Agriculture Loan Quickly and Easily

Rural Property Loans Rural agriculture is a major sector for the Australian economy contributing 12% GDP. 307,000 people are employed in the sector that earns $155 billion-a-year. The numbers clearly show that agriculture is a big business and like every other owner of a huge business, farmers often have to seek quick and affordable finance.

By |2023-06-09T09:00:36+10:00January 9th, 2023|Categories: Low Doc Loans|Comments Off on How to Obtain a Rural Agriculture Loan Quickly and Easily
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