Ray Ethell | Finance Me

About Ray Ethell

Ray Ethell offers a wealth of experience to his clients, gained from 14 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‚Äô individual needs, with relevant unbiased advice and recommendations. - Cert lV in Financial Services (Mortgage Broking) - Diploma in Financial Services (Mortgage Broking)

Securing a Commercial Property Loan in Australia

A Comprehensive Guide to Securing a Commercial Property Loan in Australia Securing a commercial property loan in Australia can be a daunting task, yet it holds the key to unlocking your business's potential. Whether you're a seasoned investor looking to expand your portfolio or a budding entrepreneur ready to take the plunge, navigating the financial landscape is essential. This comprehensive guide will walk you through the intricacies of commercial property loans, from understanding the types available to preparing your application [...]

By Ray Ethell|2025-05-26T10:21:45+10:00May 26th, 2025|Commercial Finance|0 Comments

Commercial Property Loans with 80% LVR in Australia

Guide to Commercial Property Loans with 80% LVR in Australia In the ever-evolving landscape of Australian real estate, commercial property loans with an 80% loan-to-value ratio (LVR) are emerging as a powerful tool for investors and entrepreneurs alike. These financing options not only unlock significant opportunities but also pave the way for diversifying asset portfolios and maximizing returns. Whether you’re a seasoned investor or venturing into commercial properties for the first time, understanding the intricacies of these loans is essential. [...]

By Ray Ethell|2025-04-02T12:35:35+11:00April 2nd, 2025|Alt Doc Home Loan, Commercial Finance|0 Comments

A Guide to Non-Resident Home Loans in Australia

Unlock Your Dream Home in Australia: The Ultimate Guide to Non-Resident Home Loans Are you a non-resident dreaming of owning a home in Australia? Well, your dream can become a reality with the ultimate guide to non-resident home loans. This comprehensive guide will walk you through the process of unlocking your dream home, even if you don't have Australian citizenship or residency. Whether you're looking to invest or settle down in Australia, understanding the ins and outs of non-resident home [...]

By Ray Ethell|2024-10-21T10:14:00+11:00October 21st, 2024|Non Resident Home Loans|0 Comments

Can a SMSF Borrow Money to Purchase a Commercial Property

Looking to invest in a commercial property in Australia but lacking the necessary funds? A Self-Managed Super Fund (SMSF) might hold the key to your investment dreams. Unlocking opportunities like never before, a SMSF allows you to borrow money to secure a commercial property and grow your wealth. In this informative article, we will explore the ins and outs of how a SMSF can be used to finance a commercial property investment. From understanding the eligibility criteria, to exploring the [...]

By Ray Ethell|2024-08-20T09:28:36+10:00August 20th, 2024|SMSF Loans|0 Comments

How to Overcome Bad Credit and Secure a Loan

A Complete Guide to Overcoming Bad Credit and Securing Loans in Australia Are you feeling overwhelmed by bad credit? Worried that it's holding you back from securing a much-needed loan in Australia? Don't despair – help is at hand. In this complete guide, we'll show you how to overcome bad credit and improve your chances of securing loans. Bad credit doesn't have to be a barrier to financial success. With the right strategies and a little bit of patience, you [...]

By Ray Ethell|2024-06-13T09:28:02+10:00June 13th, 2024|Bad Credit Home Loan|0 Comments

Securing a Loan on Commercial Property: Strategies and Tips

The Complete Guide to Securing a Loan on Commercial Property: Strategies and Tips Securing a loan on commercial property can be a complex and daunting process. Whether you're looking to expand your business or invest in commercial real estate, having a comprehensive guide can make all the difference. In this complete guide, we will explore the strategies and tips you need to successfully secure a loan on commercial property. Financing for commercial properties differs significantly from residential properties, with unique [...]

By Ray Ethell|2024-05-20T10:35:18+10:00May 20th, 2024|Commercial Finance|0 Comments

Asset Finance in Growing Your Business

Take Your Company to New Heights through Asset Finance Unlocking opportunities and fueling growth requires a strategic approach, and one powerful tool at your disposal is asset finance. This innovative financial solution can provide the capital you need to invest in new machinery, equipment, or vehicles without depleting your cash reserves. By leveraging the value of your existing assets, you can access the funds necessary to expand your operations, increase your production capacity, or enhance your service offerings. At Finance [...]

By Ray Ethell|2024-05-16T09:35:28+10:00May 16th, 2024|Car Finance|0 Comments

How Bad Credit Home Loans Can Help You Achieve Your Dreams

Are you dreaming of owning a home, but your bad credit is holding you back? Don't lose hope just yet. There's a solution that might just unlock the door to home ownership for you. Bad credit home loans can help you turn your dreams into reality. Having bad credit can make it challenging to get approved for a traditional mortgage. But with bad credit home loans, you have a chance to secure financing even with a less-than-perfect credit history. These [...]

By Ray Ethell|2024-05-06T10:40:51+10:00May 6th, 2024|Bad Credit Home Loan|0 Comments

Expat Home Loans: Get Your Dream Home Down Under!

Your Guide to Australian Expat Home Loans: Get Your Dream Home Down Under! Are you an Australian expat dreaming of owning a home Down Under? Look no further! In this ultimate guide to Australian expat home loans, we will walk you through the process of turning your dreams into reality. Whether you're considering buying a property for investment or planning to settle down in Australia in the future, we've got you covered. Navigating the Australian property market can be daunting, [...]

By Ray Ethell|2024-05-05T09:58:23+10:00May 5th, 2024|Expat Home Loan|0 Comments

How to Improve Your Credit Score for a Successful Home Loan Application

Are you dreaming of owning your own home but worried about your credit score standing in the way of a successful loan application? If so, you're not alone. Many aspiring homeowners are often concerned about how their credit history will impact their chances of securing a mortgage. In this article, we will provide you with valuable insights and actionable steps to improve your credit score, giving you a better chance at a successful home loan application. We understand that the [...]

By Ray Ethell|2024-05-04T11:11:54+10:00May 4th, 2024|Bad Credit Home Loan, Near Prime Home Loan|0 Comments