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Professional Member

Ray Ethell

Member since: Oct 16, 2022
Published articles: 19

Premium Member
Are Low Doc Commercial Loans Available in Australia

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...

Articles > Finance > Mortgage Oct 17, 2022
Premium Member
Bad Credit Loans for Homes

Life happens. Financial setbacks in the past shouldn’t necessarily preclude customers from seeking finance now.There are a number of non conforming lenders that welcome borrowers who have adverse...

Articles > Finance > Mortgage Oct 20, 2022
Premium Member
Can You Buy a House with Bad Credit

How Is Credit Score Calculated?Your credit score is calculated by Equifax based on the information filed in your credit report at a specific point in time. There are several important contributing...

Articles > Finance > Mortgage Oct 17, 2022
Premium Member
Consolidating Debt into Your Home Loan with a Debt Consolidation Loan

If you have an existing home loan, an option could be to transfer your debt onto your mortgage with a debt consolidation loan or applying to increase your existing home loan.Potential advantages of...

Articles > Finance > Mortgage Oct 18, 2022
Premium Member
Home Loans for Ex Bankrupts

At a time in your life for a whole variety of reasons, we may find ourselves overwhelmed by debt. When that happens bankruptcy can feel like a way out of a stressful position but it can also cause...

Articles > Finance > Mortgage Oct 20, 2022
Premium Member
Is Debt Consolidation a Good or Bad Idea

A debt consolidation loan involves rolling all of your current debts into one. this will be a useful strategy to scale back monthly fees and interest, but it should not be the most effective course of...

Articles > Finance > Debt Consolidation Oct 20, 2022
Premium Member
Medico Home Loans for Medical Professionals

Medico Home Loans are for Low Risk Medical Professionals.There are certain professions within the medical industry who qualify for a doctor or medico home loan package. These special home loan...

Articles > Finance > Mortgage Oct 17, 2022
Premium Member
No Doc Loans from Private Lenders

Whether you need finance for your next project, you’re looking to cover a short-term gap or need to find a funding solution for your business, time is often an important factor. Delays getting finance...

Articles > Finance > Mortgage Oct 18, 2022
Premium Member
Refinancing Your Home Loan to Consolidate Debt

Before making an application to refinance, consider your current financial situation along with your current level of monthly repayments to establish if there is a benefit in you consolidating this...

Articles > Finance > Mortgage Oct 18, 2022
Premium Member
What Are Home Loans for Bad Credit?

Home Loans for Bad Credit are home loans that are specifically geared towards people with ‘ poor credit black marks ’ on their credit history such as paid or unpaid defaults, judgement’s, arrears or...

Articles > Finance > Mortgage Oct 17, 2022
Premium Member
What Does a Mortgage Broker Do?

Mortgage Brokers complete the work that used to be done by the banks, guiding the borrower through the process, ensuring that the product they recommend is in line with their goals and meets their...

Articles > Finance > Mortgage Oct 18, 2022
Premium Member
What is a Low Doc Home Loan?

Low Doc (low document) loans are 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...

Articles > Finance > Mortgage Oct 17, 2022
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What is a Non Conforming Home Loan

Prime lenders such as Banks and Credit Societies have strict criteria around who is eligible for a mortgage. If you don’t tick all their standard boxes, your application for a prime home loan will...

Articles > Finance > Mortgage Oct 20, 2022
Premium Member
Will Having Afterpay Affect My Chances of Obtaining a Prime Home Loan

Afterpay is a new payment method that allows you to pay for your online orders after they have been shipped. Instead of paying upfront, you prepay for the order and pay a monthly installment...

Articles > Finance > Mortgage Oct 18, 2022
Premium Member
Will Real Estate Prices Drop in 2023 Australia

The housing market in Australia is going through a difficult period. The combination of high mortgage rates and stricter lending standards have made the market almost unaccessible for first-time...

Articles > Finance > Mortgage Oct 20, 2022
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Author Bio

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.