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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’ individual needs, with relevant unbiased advice and recommendations. - Cert lV in Financial Services (Mortgage Broking) - Diploma in Financial Services (Mortgage Broking)

What is an Alt Doc Home Loan?

An Alt doc home loan is a 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 as verification of income. Alt Doc Home Loan allow you to state what you earn with an income verification document. You will not have to give PAYG payslips or tax returns as evidence of your income, but that does not [...]

By |2023-07-07T12:26:22+10:00October 12th, 2022|Alt Doc Home Loan|0 Comments

Are Alt Doc Loans still available in Australia

Alt Doc Loans are still available in Australia Alt Doc Loans allow a Self Employed Australian to get a home loan if they do not have up to date lodged Financials. As Maximum loans are 85% of Purchase price you will need 15% Deposit plus stamp duty plus costs as funds to complete. It is actually quite hard for the average Self Employed Australian to get a mortgage from a bank in comparison to a PAYG worker who generally only [...]

By |2023-07-07T12:36:12+10:00September 29th, 2022|Alt Doc Home Loan|0 Comments

Medico home loans for medical professionals

Medico Home Loans are for Low Risk Medical Professionals. Lenders offer Medico Home Loans to medical professionals as they consider them to be a low risk with above average income, which isn't only stable but increases over the time. Lending institutions prefer medical professionals as clients because they often require other products such as Car Leases or Business Loans. These Professionals as they are a lower risk can apply for Medico Home Loans which have higher loan amounts at higher [...]

By |2023-07-07T12:44:59+10:00September 20th, 2022|Medico Home Loan|0 Comments

How Real Estate Works In Australia?

Like many other countries around the world, Australia is also seeing a growing interest in real estate as an investment opportunity. In fact, the residential property market has seen a steady rise in value for years now. As of this writing, the median value of homes in Australia stood at A$496,900 (US$428,000). The country’s average home price is currently well over that mark. Real estate being an investment can be a double-edged sword. On one hand, investing in real estate [...]

By |2023-07-07T12:50:13+10:00September 14th, 2022|Home Finance|0 Comments

What does a Mortgage Broker do?

A Mortgage Broker completes 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 requirements and objectives. They analyse living expenses and explain the costs involved in the process to simplify the application process. Why should I use a Mortgage Broker? The Mortgage Broker analyses the clients circumstances and documentation to see whether this will fall under a prime home [...]

By |2023-07-07T12:54:29+10:00September 11th, 2022|Home Finance|0 Comments
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