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)

What is a Low Doc Home Loan in Australia?

Low Doc Home Loan Options in Australia A low doc home loan (also known as low documentation loans) are a very flexible lending solution for self-employed people, property investors, people who do not work regular jobs or for new Australian families who have just moved to Australia. This loan type has taken off in recent

By |2023-06-09T09:09:51+10:00October 22nd, 2022|Categories: Low Doc Loans|Comments Off on What is a Low Doc Home Loan in Australia?

Tax For The Self Employed Australian

Tax payable For The Self Employed Australian Self Employed business owners need to know about business tax in Australia before starting a company or investing in an existing one. There are several taxes that you need to know about as a business owner, especially if your company is going to be operating for profit and

By |2023-06-09T09:22:13+10:00October 13th, 2022|Categories: Low Doc Loans|Comments Off on Tax For The Self Employed Australian

What is a Low Doc Loan?

What are the main differences between a low doc loan, compared to regular prime home loans? A low doc loan is flexible mortgages for self - employed Australian borrowers. These can be useful for freelancers, contractors and other people who do not work regular jobs and thus, can’t supply payslips, financial statements or tax returns

By |2023-06-09T09:30:01+10:00October 12th, 2022|Categories: Low Doc Loans|Comments Off on What is a Low Doc Loan?

Are Low Doc Commercial Loans available in Australia

Low Doc Commercial Loans in Australia Low Doc Commercial Loans: With interest rates on the rise in Australia, hunting down high-quality investment opportunities has never been more important. While the vast majority of investors will always be drawn to residential property, savvy investors understand just how lucrative commercial property investing can be. With investors on

By |2023-06-09T09:40:16+10:00October 4th, 2022|Categories: Low Doc Loans|Comments Off on Are Low Doc Commercial Loans available in Australia

How to Finance Your Business: 3 Tips to Make it Happen

Planning your business and financing it can be overwhelming. There are so many details you need to think about, from the structure of your business to how much money you’ll need, where you’ll get that money and how you’ll pay back that business loan. It can seem like an endless process and there’s no right

By |2023-06-09T10:01:42+10:00September 6th, 2022|Categories: Low Doc Loans|Comments Off on How to Finance Your Business: 3 Tips to Make it Happen

Will Real Estate Crash In Australia?

It’s no secret that Australian property prices have been dropping for the past few months. The issue is more widespread than it appears though and there’s a real chance that the country’s real estate market may crash in the near future. This article will discuss whether or not there is a crash on the horizon

By |2023-06-09T10:03:53+10:00August 30th, 2022|Categories: Low Doc Loans|Comments Off on Will Real Estate Crash In Australia?

What is a low doc loan?

A low doc loan, also known as lite-doc or alt-doc loans, are lending solutions for self-employed borrowers. These are used by contractors, freelancers and people who haven't any regular jobs and can't prove their income through traditional means like providing payslips. What documents will I need to provide when applying for a low doc loan?

By |2023-06-09T10:11:12+10:00August 20th, 2022|Categories: Low Doc Loans|Comments Off on What is a low doc loan?

Your guide to low doc home loans

Quick Guide to Low Doc Home Loans Primarily aimed toward self-employed borrowers, low doc home loans are unique from Prime Home Loans, as they require less documentation to prove income. Generally when you’re applying for a mortgage, the lender will want to confirm income by confirming this with your last two years of tax returns

By |2023-06-09T10:24:01+10:00August 15th, 2022|Categories: Low Doc Loans|Comments Off on Your guide to low doc home loans

Low doc home loans are a great alternative for the Self Employed Australian

Low doc home loans are a great alternative for the Self Employed Australian applying for a home loan. Being self-employed on a contract basis is rewarding in terms of flexibility and having the ability to watch your business grow, but it can include some unique financial hurdles, not least if you wish to use to

By |2023-06-09T10:34:31+10:00August 10th, 2022|Categories: Low Doc Loans|Comments Off on Low doc home loans are a great alternative for the Self Employed Australian

Low Doc Home Loans for the Self Employed Australian

Low Doc Home Loans for the Self Employed Australian Business Owner Low Doc Home Loans: There’s no one size fits all for home loans, especially when it involves self-employed Australian borrowers. Today the typical Australian worker changes roles, or maybe careers, roughly every three years, with many moving between differing kinds of employment including salaried

By |2023-06-09T10:41:04+10:00July 20th, 2022|Categories: Low Doc Loans|Comments Off on Low Doc Home Loans for the Self Employed Australian
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