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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)

Your Guide to Commercial Property Loans Available in Australia

Types of Commercial Property Loans in Australia For both seasoned investors and newcomers in Australia, the landscape of commercial property loans can be a confusing one. With many financing options available, adapted to the particular requirements of various types of properties and borrower profiles, making the correct choice is crucial to your investment. Regardless of whether you want to purchase a key office space, refinance an existing property, or even explore more niche financing, you need to know the distinctions [...]

By |2024-04-10T08:55:19+10:00April 10th, 2024|Commercial Finance|0 Comments

A Guide to Alt Doc Home Loans for Self-Employed Australians

What is an Alt Doc Home Loan? Navigating the requirements needed to apply for a home loan can often feel like an uphill battle for most self-employed Australians. Traditional mortgage options typically require a stable history of employment and income, criteria that don't always align with the fluctuating finances of the self-employed. Enter Alt Doc Home Loans, a beacon of hope for those with non-traditional income streams. These alternative documentation loans are designed to meet the unique needs of self-employed [...]

By |2024-04-06T10:14:01+11:00April 6th, 2024|Alt Doc Home Loan|0 Comments

Empowering Medical Professionals: Discounted Home Loans for Doctors in Australia

Home Loans for Doctors and Other Medical Professionals Medical professionals work hard and often long hours in the centre of Australia's healthcare system, caring for others. But getting through the maze of personal finance - specifically obtaining a home loan - can seem as overwhelming as a medical emergency. Recognizing the value of these professionals, some Australian lenders have created tailored home loan products to help homeowners manage the financial burden of homeownership. These Medico Home Loans bring hope and make owning [...]

By |2024-04-05T08:54:17+11:00April 5th, 2024|Medico Home Loan|0 Comments

Home Loans for Doctors in Australia

Doctors and medical professions have access to special deals for home loans that aren't available to everyone else on the market. In this article, we're going to look at the benefits of the medical professional home loan (Medico Home Loans). We going to look at why doctors qualify for special home loan discounts and policies and what kind of doctors and medical professionals are included in these special home loans for Doctors. What are the Benefits of a Medico Home [...]

By |2024-01-27T11:13:21+11:00January 27th, 2024|Medico Home Loan|0 Comments

Alt Doc Commercial Property Loans – Your guide

In today’s fast-paced business landscape, entrepreneurs and small business owners often find themselves in need of quick and flexible funding solutions. However, traditional lending processes can be cumbersome and time-consuming, often requiring mountains of paperwork and strict eligibility criteria. Enter alt doc commercial loans—a streamlined financing option designed to help businesses bypass the red tape and access funds with greater ease. In this article, we’ll delve into the concept of low doc commercial loans, their benefits, and considerations when opting [...]

By |2024-01-24T08:47:46+11:00January 22nd, 2024|Commercial Finance|0 Comments

Why You Shouldn’t Lose Hope After a Loan Decline: Expert Guidance

Feeling disheartened after a loan decline is natural, but it's important to remember that different lenders have varying criteria. What might be a deal-breaker for one lender could be less concerning for another. In this article, we will delve into why a loan decline does not signify the end of the road and how Finance Me can provide expert guidance to help you navigate your options. Expert Guidance on a Loan Decline: The Indispensable Role of a Mortgage Broker If [...]

By |2024-01-10T08:39:13+11:00January 10th, 2024|Bad Credit Home Loan|0 Comments

Alt Doc Loans – Your Guide in Australia

Understanding Alt Doc Loans Alt Doc Loans, short for “Alternative Documentation Loans,” are a type of mortgage product that allows borrowers to secure financing with less stringent documentation requirements compared to traditional mortgage options. While conventional mortgages typically require extensive documentation, including detailed proof of income, employment history, and creditworthiness, Alt Doc Loans aim to simplify the process by reducing the paperwork involved in purchasing both a residential property or a commercial property. Current Trends in Alt Doc Lending Flexibility [...]

By |2023-10-09T08:36:23+11:00September 20th, 2023|Alt Doc Home Loan|0 Comments

Understanding Alt Doc Home Loans in Australia

Securing a home loan is a significant step towards realizing your dream of home ownership. However, traditional loan application processes often involve extensive documentation, making the process daunting for those who are self-employed, freelancers, or have non-traditional income sources. Enter the “Alt Doc Home Loan Expert” approach – a game-changer that offers a simplified and efficient route for obtaining a home loan. In this article, we will explore how the Alt Doc Home Loans Expert's method is revolutionizing home loan [...]

By |2023-09-11T09:31:25+10:00September 11th, 2023|Alt Doc Home Loan|0 Comments

Bad Credit Home Loans – Your Guide

Bad Credit Home Loans for Applicants with Adverse Credit Bad credit home loans are the home loans specially created by Lenders for borrowers with an adverse credit history.  These borrowers are identified by the loan lenders as someone to whom lending can be a risky venture. While traditional banking institutions generally reject loan applications from such borrowers without a second thought, several non bank lenders that specialize in the area, provide easy to grab offers to these very people! Acceptable [...]

By |2023-08-28T09:00:49+10:00August 28th, 2023|Bad Credit Home Loan|0 Comments

How to get Bad Credit Home Loans in Australia?

Fast and easy ways to get Bad Credit Home Loans Bad credit home loans are the loans specially designed by lenders for the borrowers with a bad credit background. These loans are designed for borrowers who have low credit scores or defaults. These defaults can be either paid or unpaid or can be arrears on loans.  The credit impairments that constitute a bad credit history may include one, some or all of the following - Unpaid bills or tax Mortgage [...]

By |2023-08-27T09:36:07+10:00August 27th, 2023|Bad Credit Home Loan|0 Comments
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