Mortgage Brokers in Sydney & Surrounding Areas

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Jodie GiraudoJodie Giraudo
00:39 07 Oct 24
Fast, exceptional service and a great value for money home loan. The team provided an awesome solution and communicated with me every step of the way.
Brodie WicksBrodie Wicks
21:18 06 Oct 24
Financial services made easy, very knowledgeable and nothing was an issue. Definitely using Unconditional Finance again.
Charles TooheyCharles Toohey
00:45 01 Oct 24
Joel and Nicole made light work of getting my house finance sorted.
Jared BrownJared Brown
08:00 25 Sep 24
Chris and the team have been amazing thank you so much for all your help! Ill be using you guys for the next purchase also legends
Tiana ConlonTiana Conlon
01:27 25 Sep 24
Recently just bought our first house and Chris, Ryan and Nicole and everyone at Unconditional finance went above and beyond to help make it happen. They were fantastic from start to finish and still continue to help us if needed. Highly recommending to everyone I know. Keep up the great work legends! 🙌
Neil MissinghamNeil Missingham
08:32 09 Sep 24
Joel, Ivan and Nicole are absolutely the most trustworthy and committed team I have had the fortune of working with and recommend unconditional finance whole heartedly over any where else.In addition, they also made recommendations for their partners in other areas that have also been instrumental in us owning our own home. I must encourage anyone who is unsure of where to start their homeowner journey to start with unconditional and they will absolutely steer you in the right direction with who to get connected with to make the who process much more enjoyable.Cheers
Jessica FellJessica Fell
02:20 30 Aug 24
I cannot recommend Chris and Renee enough. They were both absolutely incredible to deal with for my first property purchase. They were so supportive, extremely responsive and very knowledgeable and patient in answering any questions I had. The process felt a lot smoother and stress free having them on my team.
We have made the best choice in going with Chris and the Unconditional Finance Team for our first property purchase. They were there every step of the way to answer our questions and made sure we got the best deal possible. They were referred to us by a really good friend and we will definitely recommend them to all our friends and to anyone looking to purchase a property. Very professional and dealing with them was a breeze. Huge thanks again to the team for helping us become first time property owners.
Shari ZimmermanShari Zimmerman
23:21 15 Jul 24
Unconditional Finance team have been amazing. I have been conversing with Joel, Nicole and Will and I highly recommend them. They stepped me through my finance and refinance accounts in detail and notified me at every stage so I did not have to worry or stress. Very friendly, understanding and down to earth team.
Ricky JuzufRicky Juzuf
22:55 10 Jul 24
Chris Raymond and his team has been a tremendous in securing a finance for me and my wife. It was pretty complex, however, they made it so smooth for us and essentially holding our hands through it all. Much appreciated guys. I'll be in touch in the near future.
Kathryn BourkeKathryn Bourke
01:57 09 Jul 24
Our experience with the team at Unconditional finance was exceptional: from first contact with Chris, excellent communication with Will throughout the loan application , and followup by Stephanie, who sorted all details of the loan setup once we had unconditional approval by the bank. We found them all friendly and available to answer all our questions.Thanks team!
Michael LyonMichael Lyon
23:24 04 Jul 24
Appreciate Chris and the team's great service. Really knowledgable and helpful through the full process.
dandiesel27dandiesel27
09:13 04 Jul 24
Joseph MatchadoJoseph Matchado
03:36 03 Jul 24
With my very first investment property just settled, I am so happy that I had Chris, Ryan and the team making it a reality.From the inception of my plan to invest, all the way till settlement, they had 100% skin in the game, helping me navigate through the process of refinancing and securing the required loans in the right structure. And not forgetting their patience in guiding me through those silly doubts & confusion I might have had at (most) times.I can't recommend Unconditional Finance highly enough, to help anyone out there to achieve the dream of their first home or investing in property.Thank you so much Chris and team!!!!
Mitch KimberMitch Kimber
02:24 11 Jun 24
Very personable brokers, I've felt engaged at every step of the process and the team is excellent with response times to any of the questions and queries I've had.The outcome so far has been fantastic, they have tailored packages that are very suitable to myself and how I like to engage with lenders.Would recommend and I will use them again.
Jess McLeanJess McLean
01:52 31 May 24
Highly recommend Joel and Ivan at unconditional finance. We used their services to refinance our existing investment property and secure a loan on a second property. We were guided though the entire process and the communication we received was second to none! Our experience very pleasant! Will definitely be using again in the future!
Korryn CampbellKorryn Campbell
05:25 29 May 24
Chris, Ivan and Jade....what a power team. They have guided us though the whole process of our investment loan and could not recommend them enough. Truly an amazing team. Thanks so much team 🙂
Andrew SeckAndrew Seck
12:21 25 May 24
Nicole, Chris and Renee at Unconditional Finance have been absolutely outstanding.They've supported us every step of the way, and have always available when we've had a question or needed assistance. Nothing was too much trouble. The other thing that was reassuring, was how seamlessly the team worked with our other stakeholders.We couldn't recommend Unconditional Finance highly enough.
Jordy AlexanderJordy Alexander
11:45 20 May 24
We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services provided by Chris Raymond and his team (we never met them in person as we both live in Melbourne and they operate from Sydney office). From the outset, they have been incredibly attentive and dedicated to finding the best solutions for my mortgages (owner occupied and investment properties) and financial needs.Chris and his team are not only highly knowledgeable and experienced in their field but also approachable and professional in their interactions. Their commitment to delivering top-notch service and personalised financial solutions is truly commendable.We highly recommend Unconditional Finance to anyone in need of expert financial advice and support. Their outstanding services have consistently exceeded my expectations, and we are grateful for their ongoing assistance in securing our financial future.Sincerely,Adolfus and Giovanni
Asher McGloneAsher McGlone
20:30 15 May 24
I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to refinance my home loan. They were incredibly friendly, provided me with lots of options, and always took the time to answer all of my questions.I highly recommend Unconditional Finance for anyone looking for mortgage assistance. Chris, Mitchell, and Nicole were a pleasure to work with, and I'm grateful for their professionalism and friendliness. If you're searching for a mortgage broker who goes above and beyond, give Unconditional Finance a try—they won't disappoint!
Pandji ChristianPandji Christian
03:27 10 May 24
Chris Raymond from Unconditional Finance is a consummate professional. Him and his team have made my property purchase and selling much less stressful. Despite having many customers, Chris still finds time to sometimes chat on the phone directly, especially we are not used to the processes. I highly recommend Unconditional Finance for your property financing needs.
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We Redefine Mortgage Excellence

WELCOME TO UNCONDITIONAL FINANCE

We understand that every family’s financial journey is unique. As your reliable and award-winning Sydney mortgage broker, we build lasting partnerships by offering proactive, responsive, and personalised mortgage solutions.

Whether you’re a first-time homebuyer or a business owner looking to expand, we simplify your mortgage journey, securing your footing in Sydney’s dynamic property market.

Proactive & Client-Centric

WE HELP BUY OR INVEST IN SYDNEY

At Unconditional Finance, we’ve carved out a niche for ourselves as the go-to mortgage brokers in the bustling Sydney market. Our forte lies in crafting bespoke loan and refinancing solutions, tailor-made to help you save time and money. 

Donning a mantle of trust, backed by a plethora of five-star reviews from our gratified Sydneysiders clientele, and boasting connections with an expansive range of lenders, we’re your perfect financial companion on the journey to securing your mortgage.

Unconditional Finance team outside

Licensed And Accredited

25+ Years Experience

Sydney Specialists

40+ Lenders

Proactive & Client-Centric Services

First Home Buyers

First Home Buyers

Stepping into your first home can feel like a giant leap, but we make it as smooth as possible. Our seasoned mortgage brokers are dedicated to guiding you through every step, from understanding your borrowing power to securing a first home owners grant in Sydney. With our expertise, you'll navigate the complex world of home loans with ease, ensuring you start this new chapter on solid ground.

Buy Your First Home
Refinancing

Refinancing

Is a better deal within your grasp? It’s time to let our senior mortgage brokers be your guide as you delve into the ocean of refinancing options. We’re with you every step of the way, from mapping out your options to crossing the finish line with your refinanced mortgage. Refinancing a loan has its perks – it could lower your interest rate, bundle your debts into one loan, trim down your repayment period, and fast-track your journey to a debt-free life.

Get a Better Rate
Renovation Loans

Renovation Loans

Dreaming of transforming your home into the perfect space? Our renovation loans are designed to help you bring those dreams to life. Our expert brokers will help you unlock the potential of your home with tailored loan solutions that suit your renovation plans. Whether it’s a small upgrade or a complete overhaul, we’re here to support you through the entire process, ensuring your renovation journey is as seamless as possible.

Renovate with Confidence
Investment Loans

Investment Loans

Ready to expand your investment portfolio? Our investment loan options are crafted to help you capitalise on lucrative opportunities in the property market. Our knowledgeable brokers will assist you in structuring your loans to maximise returns while managing risks effectively. Let us help you build wealth through smart, strategic property investments.

Expand Your Portfolio
Home Equity Loans

Home Equity Loans

Tap into the hidden potential of your home with our home equity loans. Whether you’re planning a major purchase, consolidating debt, or funding a new venture, our expert brokers will help you leverage your home’s equity to achieve your financial goals. With personalised advice and flexible loan options, we’re here to make your equity work harder for you.

Unlock Your Home's Potential
LMI Waived Loans

LMI Waived Loans

Why pay for Lenders Mortgage Insurance if you don’t have to? Our LMI waived loans can save you thousands, making homeownership more accessible. Our brokers specialise in finding and securing loans that offer LMI waivers, especially for professionals in specific fields. Let us help you unlock the benefits of LMI-free loans and put you on the fast track to owning your home.

Save on LMI Costs
Second Home Loans

Second Home Loans

Looking to purchase a second property? Whether it’s for investment or a holiday home, our second home loans offer the flexibility and support you need. Our experienced brokers will help you navigate the additional complexities involved in securing a second mortgage, ensuring you get the best terms and rates available.

Secure Your Second Home
Bridging Loans

Bridging Loans

Transitioning between homes can be stressful, but our bridging loans offer a smooth solution. Designed to cover the gap between buying a new home and selling your current one, our brokers will ensure you have the funds you need when you need them. Let us take the hassle out of moving and make your transition seamless.

Smooth Your Transition
Home Loans for Doctors

Loans for Doctors

As a doctor, your financial needs are unique. Our home loans for doctors are tailored to provide favorable terms and rates, recognising the stability and earning potential of your profession. Let our expert brokers help you secure a loan that supports your lifestyle and professional growth.

Get a Doctor’s Home Loan
Home Loans for Lawyers

Loans for Lawyers

Lawyers have distinct financial profiles, and our home loans are designed to match those needs. We offer competitive rates and flexible terms to suit your career trajectory. Our brokers understand the demands of your profession and are here to help you secure a loan that fits seamlessly into your financial plan.

Secure a Lawyer’s Home Loan
Home Loans for Engineers

Loans for Engineers

Engineers require precise and dependable financial solutions. Our home loans for engineers are crafted to offer reliability and competitive terms. Let our knowledgeable brokers assist you in finding a loan that aligns with your professional and personal goals, ensuring you have a solid foundation for your future.

Build Your Future with an Engineer’s Home Loan
Home Loans for Accountants

Loans for Accountants

As an accountant, you understand the importance of financial planning. Our home loans for accountants provide tailored solutions with competitive rates and favorable terms. Our brokers are here to help you leverage your financial expertise to secure a loan that meets your needs.

Finance Your Home with Confidence
Equity Release for Elderly Age 55 Years Old and Over

Equity Release 55+

Unlock the value of your home in your golden years with our equity release options. Designed for those aged 55 and over, our solutions provide access to the funds you need while allowing you to stay in your home. Our compassionate brokers will guide you through the process, ensuring your financial comfort and security.

Access Your Home’s Value
Retirement Mortgage

Retirement Mortgage

Ensure your retirement years are financially secure with our retirement mortgage options. Our brokers specialise in finding solutions that offer stability and peace of mind, allowing you to enjoy your retirement without financial stress. Let us help you secure a mortgage that supports your lifestyle and future plans.

Secure Your Retirement
Green Home Loans

Green Home Loans

Committed to sustainability? Our green home loans offer favorable terms for eco-friendly home improvements and purchases. Whether you’re building a new green home or upgrading your current one, our brokers will help you secure a loan that supports your commitment to the environment.

Finance Your Green Home
Finance Guidance and Strategies for Sophisticated Investors

Sophisticated Investing

Sophisticated investors need advanced strategies and expert guidance. Our brokers provide tailored financial advice and innovative loan solutions to help you maximise your investment returns. From complex loan structuring to strategic planning, we’re here to support your financial growth and success.

Maximise Your Investments

Understand the True Cost: Accurately Compare Home Loans

It is important to know that the best mortgage rates are not always the lowest interest rates. A low interest rate can come with fees, charges, and restrictions that make the loan more expensive.

Comparison rates show the true cost, but borrowers often miss the extra elements that increase repayments. Lenders may add costs through monthly fees, charges for extra repayments, and features like offset accounts and redraw facilities.

This can be confusing when searching for the best rates. We offer a detailed product comparison, including all hidden fees, so you can accurately compare home loans in Sydney.

Let Us Help You With The Right Finance Solution For You

We embrace the fact that financial landscapes differ from person to person. This appreciation for diversity fuels our commitment to offering bespoke mortgage broking services. Be it a business or a home loan you seek, we’re here to walk the extra mile with you, hand in hand, until we pinpoint the loan that meshes seamlessly with your unique financial needs.

Home Loans

Our team of seasoned mortgage brokers, nestled in the heart of Sydney, has an extensive repertoire of home loan offerings. Whether you’re dipping your toes in the Sydney property market for the first time, you’re an experienced investor, or a property mogul, we’ve got you covered. We roll up our sleeves to seek out the ideal home loan tailored to your unique needs. Our approach is simple – we pit various lenders against each other, ensuring you snag the best deal and nab a sweet rate.

Refinancing

Is a better deal within your grasp? It’s time to let our veteran mortgage brokers be your guide as you delve into the ocean of refinancing options. We’re with you every step of the way, from mapping out your options to crossing the finish line with your refinanced mortgage. Refinancing a loan has its perks – it could lower your interest rate, bundle your debts into one loan, trim down your repayment period and fast-track your journey to a debt-free life. Trust us to help you unlock these benefits sooner than you thought possible!

Business Loans Sydney CBD

Business/commercial loans fuel business growth, but can be complex. Top-tier mortgage brokers aid in understanding your needs, provide access to various loan products, simplify complex application processes, use negotiation skills to secure favorable terms, and offer ongoing support. Their expertise ensures you not just a loan, but the most suitable one for your business’s success.

Investment In Sydney

At Unconditional Finance, we’re your co-pilots, guiding you through the maze of investment property purchases. Our suite of investment loans is as diverse as your investment aspirations. Our seasoned property finance brokers are at your beck and call, ready to help you cherry-pick the right loan that aligns with your individual needs. With us by your side, even structuring your loan for tax purposes becomes a breeze, whether you’re a novice or an old hand expanding your investment portfolio.

Why a Mortgage Broker in Sydney is Your Best Bet for Home Financing

A Sydney mortgage broker is essential for anyone buying or refinancing a property, especially in a fluctuating market. They negotiate with banks and lenders to secure the best mortgage rates for you.

When choosing a mortgage broker in Sydney, experience and local market knowledge are crucial. This ensures they can address any concerns from lenders or property valuers.

Unconditional Finance stays updated on interest rates, policy changes, and credit requirements from over 40 lenders and hundreds of loan products. We evaluate your financial situation, find the right loan, and manage the application process, offering expert advice and local insights at every step. Unlike others who only handle home loans, we also specialise in residential, commercial, business, and SMSF loans, providing a comprehensive service with just one point of contact. Read More

If you want to compare home loans in Sydney, our extensive experience and local expertise make us your ideal choice.

Find the Best Mortgage in Sydney – Effortless and Stress-Free

Looking for the right home loan in Sydney shouldn’t be stressful. With access to over 40 lenders and hundreds of loan options, we match you with the perfect loan for your needs. Whether buying a home or investing, our technology directly connects to banks, offering you the best deals without the hassle.

We, Unconditional Finance, take time to understand your financial goals to reduce fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and offer accurate repayment plans with features like offset accounts. Plus, our service is 100% free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, so being aware of these can save you even more.

Start Early for a Smooth Home Buying Journey

Don’t wait until you’ve found the perfect home to speak with a broker. Getting expert advice early helps you understand your borrowing capacity and address any potential issues before they arise so you’re prepared when the right property comes along.

Starting early also gives you a chance to improve your financial standing—whether that means paying down debts, boosting your savings, or increasing your credit score—before making your final application. This can significantly increase your borrowing power and reduce potential delays.

Why Choose Unconditional Finance?

At Unconditional Finance, we don’t just offer loans; we focus on building strong, long-term relationships by offering continued support and expert guidance. Here’s why Sydney homeowners trust us:

  • Sydney Specialists with 25+ Years of Experience: We know the ins and outs of Sydney’s property market and provide tailored advice based on your specific needs.
  • Access to 40+ Lenders: We compare a wide range of loan products from major banks and specialised lenders to secure the best deal for you.
  • Free, Transparent Service: Our services come at no cost to you. We are paid by the lender after your loan is settled, and we disclose all fees upfront to ensure complete transparency.
  • Flexible Appointments: We offer flexible meeting times to suit your schedule, whether you’re in Sydney or overseas. Virtual meetings are available for added convenience.
  • Ongoing Support: We don’t disappear after your loan is settled. We regularly review your loan to ensure you always have the most competitive rate and provide continuous support as your financial situation changes.
  • MFAA Endorsed & Fully Licensed: As fully accredited and endorsed by the Mortgage & Finance Association of Australia (MFAA), we uphold the highest standards in the industry.
  • Award-Winning Service: Our dedication to helping you achieve your financial goals has earned us industry recognition and multiple awards.

Explore the Sydney Property Market with Confidence

The Sydney property market offers great opportunities, particularly in the outer suburbs. But knowing which areas to avoid (like those with oversupply) is key, as lenders see these as higher risk and may require larger deposits.

Working with a local Sydney mortgage broker ensures expert, tailored advice. We help you secure competitive repayments, useful loan features, and track interest rate changes to guarantee you always have the best deal. By partnering with a broker, you can also gain insights into up-and-coming suburbs where property values are projected to grow, which could increase the long-term return on your investment.

How We Make the Home Loan Process Easy for You

At Unconditional Finance, we’ve simplified the loan process, making it easy for you to stay focused on your financial objectives. Here’s how we make it work:

  1. Apply: Submit your personal and property information to start your loan application.
  2. Quick Approval: After reviewing your application, we’ll present the best loan options from our trusted lenders, typically within two business days.
  3. Receive Funds: Once your loan is approved, funds can be transferred to your account within three days.

Maximise Your Borrowing Potential: Manage Credit Cards Wisely

Credit cards can impact your home loan approval, but smart management can minimise the effect. Pay bills on time, reduce credit limits, or consolidate cards to improve your borrowing capacity.

Our experts will help you optimise your credit profile, enhancing your loan application for better approval chances and more favourable rates. It’s also essential to consider closing unused credit cards before applying, as this can boost your creditworthiness in the eyes of the lender. Understanding how lenders calculate credit card debt in your borrowing capacity is another key to maximising your approval amount.

Strengthen Your Loan Application: Credit Scores and Property Valuations

Low property valuations or credit scores can complicate the loan process. We tackle these issues upfront, ordering free valuations and minimising unnecessary credit checks to protect your credit score and strengthen your application.

Having a good credit score can also improve your negotiating power with lenders, potentially securing you lower rates or more flexible loan terms. Keeping your credit inquiries to a minimum while you’re in the process of applying is critical to avoiding any red flags.

Save More with Loan Features that Work for You

Finding the lowest interest rate is important, but loan features matter too. Offset accounts, redraw facilities, and extra repayments can save you thousands over the loan’s lifetime. Even a slightly higher rate might end up cheaper if it comes with the right features.

We simplify the process by comparing the latest options from 40+ lenders. We’ll help you find the right balance of interest rates and features to suit your financial goals. Remember, features like the ability to split your loan between fixed and variable rates can provide both stability and flexibility, allowing you to take advantage of changing market conditions.

Avoid LMI and Save Big

Lenders Mortgage Insurance (LMI) is paid by the borrower but protects the lender. Avoid this cost by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to under 80%.

We’ll guide you through strategies to reduce or avoid LMI costs. If saving 20% isn’t practical, we’ll explain how LMI can help you enter the market sooner and how to manage the costs effectively. Additionally, some lenders offer limited-time exemptions from LMI for certain professionals or for buyers in specific areas, so it’s worth exploring these options with your broker.

Get It Right the First Time: Understanding Lender Policies 

Each lender has unique credit policies that can impact your loan approval. At Unconditional Finance, we ensure your application is perfectly aligned with lender requirements, reducing delays and boosting your chances of success.

Understanding the finer details of bank policies, such as how different lenders treat casual or freelance income, can also be a game-changer for non-traditional earners. Our knowledge of specific lender preferences ensures your application fits seamlessly into their criteria, saving you time and frustration.

Choose a Broker Who Puts You First

A great mortgage broker doesn’t just find you a loan—they simplify the process, provide personalised advice, and focus on your needs. At Unconditional Finance, we go the extra mile by understanding your financial situation and offering tailored loan options.

From pre-approval to settlement, we’ll guide you every step of the way, ensuring you get the best deal now and in the future. And post-settlement, a good broker will continue to monitor your loan to check for opportunities to refinance and save money as market conditions change.

Experience That Drives Success

An experienced mortgage broker makes all the difference. They understand bank policies, navigate complex applications, and have the right connections to speed up the process.

At Unconditional Finance, our brokers have years of experience in the Sydney market, ensuring that your loan application is positioned for success. Many of our brokers own property themselves, giving them personal insight into the process. Additionally, our network of contacts in the industry can help expedite approvals, and we know how to present your application in a way that meets specific lender criteria, even for more challenging cases.

Choosing the Right Broker: Trust, Expertise, and Personalised Service

Choosing the right broker begins with research. Look for positive reviews, informative content, and market expertise. Our brokers provide customised, trust-driven advice—not one-size-fits-all solutions.

When assessing brokers, ask about their lender panel—more lenders mean more options for you. Make sure your broker is accredited by the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), as this guarantees they meet professional standards.

Easy Home Loan Comparisons: Find the Best Mortgage Rates in Sydney

We simplify the mortgage comparison process, making it easier to find the best home loan in Sydney. We work with over 40 lenders and hundreds of products; our software directly connects to banks, helping you choose the right loan.

By discussing your financial goals, we can identify ways to reduce fees, charges, and lenders mortgage insurance (LMI) costs. Our free service includes a detailed mortgage comparison in Sydney, showing the best rates and repayment options using our calculator.

We assess your borrowing capacity and explain how banks determine your ability to repay the loan. We’ll also guide you on how credit card limits affect your borrowing capacity.

Let us help you compare home loans in Sydney and find the perfect fit for your needs.

Accurate Home Loan Estimates with Our Sydney Mortgage Calculator

Understanding how much you can borrow and what your loan repayments will be is often confusing. Working with a mortgage broker in Sydney, like Unconditional Finance, simplifies this process. Unlike generic online calculators, we provide accurate figures by considering each lender’s unique policies. This ensures you receive precise information tailored to your financial situation. We make sure you can comfortably repay your loan without stretching your budget. With Unconditional Finance, you get clear, reliable advice for your home loan needs.

Navigating Sydney’s Evolving Property Market

The Sydney property market has seen big changes in the last two years, especially in the CBD, North Shore, Western, and Northern Suburbs. While entering this market can be challenging, there are still good opportunities in Sydney’s outer suburbs. However, be cautious of areas with too many apartments, as banks see these as high-risk, sometimes needing deposits of up to 30%. It’s wise to talk to a Sydney mortgage broker before you start looking. With high property prices in Sydney, getting the lowest loan repayments and features like an offset account or redraw facilities can help reduce fees and pay off your loan faster.

Cutting LMI Costs: Strategies from Sydney’s Top Mortgage Brokers

To reduce Lenders Mortgage Insurance (LMI) costs, increase your deposit or lower your Loan to Value Ratio (LVR). LMI protects the lender if you default, even though the borrower pays for it. If you borrow more than 80% of the property’s value, LMI is usually required. Working with Sydney mortgage brokers, like Unconditional Finance, can help you explore all cost-saving options for your loan, comparison rates, and repayments to minimise the need for LMI.

Property valuations are crucial in determining your LVR and LMI costs. Sydney mortgage brokers at Unconditional Finance understand the market and can help if your property’s valuation is lower than expected. Saving a 20% deposit is tough, especially while paying rent. Sometimes, paying for LMI can be beneficial, allowing you to enter the Sydney property market sooner by borrowing up to 95% of the home’s value. You can even add the LMI cost to your home loan, so you don’t have to pay it upfront. Whether you’re refinancing for renovations or buying an investment property, LMI can help you move forward with your plans sooner.

How Credit Cards Impact Your Home Loan Approval

Credit cards can complicate your home loan application, but there are ways to manage this. Always pay your credit cards on time and consider reducing their limits since lenders look at all your credit, not just your home loan. If you have multiple cards, think about consolidating or closing some to meet lender policies. Some lenders even count a new credit card with your home loan application. Working with Unconditional Finance, a finance broker in Sydney, can help you navigate these details and find the best mortgage options.

Pre-Approval Process: Get Pre-Approved Quickly

Getting pre-approved for a mortgage is an essential first step in the Sydney property market. It sets your budget and shows sellers that you’re a serious buyer. At Unconditional Finance, we streamline the pre-approval process, helping you secure a loan amount quickly and efficiently. We work with over 40 lenders to find the best rates and terms, ensuring you can act fast when you find the perfect property. Our experts handle all the paperwork and guide you through each step, making the pre-approval process smooth and stress-free.

First-Time Buyer Support: Guidance for First-Time Buyers

Buying your first home in Sydney can be overwhelming, but Unconditional Finance is here to help. Our team provides tailored support and expert advice to first-time buyers, guiding you through the entire process. From understanding your borrowing capacity to navigating the complex Sydney property market, we ensure you’re well-prepared and confident in your decisions. We help you compare home loans in Sydney, find government grants, and secure the best possible mortgage terms for your first home purchase.

Refinancing Services: Refinance and Save

Refinancing your home loan can lead to significant savings. Whether you want to lower your interest rate, reduce monthly payments, or access equity, Unconditional Finance can help. Our Sydney refinancing experts analyse your current loan and financial situation, then compare offers from multiple lenders to find the best refinancing options. We manage the entire refinancing process, making it easy for you to save money and meet your financial goals without any hassle.

Interest Rate Options: Fixed vs. Variable Rates Explained

Deciding between fixed and variable interest rates is important for your mortgage. Fixed rates keep your payments the same each month, while variable rates can go up or down with the market, possibly saving you money if they decrease. Unconditional Finance’s Sydney mortgage brokers explain the pros and cons of each, helping you decide which aligns best with your financial goals. We provide personalised advice based on current market trends and your unique situation.

Credit Score Tips: Boost Your Credit Score Before Applying

A strong credit score is crucial for securing the best home loan rates in Sydney. At Unconditional Finance, we offer practical tips to help you boost your credit score before you apply for a mortgage. Simple actions like paying off outstanding debts, reducing credit card limits, and correcting any errors on your credit report can significantly enhance your score. Our team guides you through these steps, ensuring you’re in the best position to obtain favourable loan terms.

Government Grants: Maximise Government Incentives

Government grants and incentives can greatly lower the cost of buying a home in Sydney. Unconditional Finance helps you identify and apply for all available programs, such as the First Home Owner Grant and stamp duty concessions. We ensure you maximise these benefits, making your home purchase more affordable. Our experts stay updated on the latest government initiatives, so you always have access to the most current opportunities.

Home Equity Advice: Leverage Your Home Equity for Investments

Your home equity is a valuable asset that can be leveraged for further investments. Whether you’re planning to renovate, buy an investment property, or fund other financial goals, Unconditional Finance can help you utilise your Sydney home equity effectively. Our experts provide strategic advice on accessing and managing equity, ensuring you make informed decisions that align with your long-term financial objectives.

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Work With Award-Winning Finance Brokers

MFAA & FBAA Endorsed

Basking in the glow of FBAA & MFAA (Mortgage and Finance Association of Australia) approval, we stand tall as certified mortgage brokers right here in Sydney.

Fully Qualified

As Unconditional Finance's driving force and founder, Chris leverages his industry expertise and personal investment acumen.

A Legacy Spanning Over Two Decades

We're proud of our rich tapestry of more than 25 years, throughout which we've aided countless clients in realising their financial dreams.

Award-Winning

Our mantle is laden with awards, as we've repeatedly been hailed as one of Sydney's top-tier mortgage brokers year after year.

Fully Licensed

Registered with ASIC and being fully licensed mortgage brokers, we're intimately acquainted with the industry's unique demands.

Centred On Your Goals

At Unconditional Finance, we place your aspirations and necessities at the heart of our operations. When you join hands with us, be assured your interests are our prime concern.

How Our Mortgage Brokers in Sydney CBD Serves You

Why Us?

Personalised Education & Mentoring

You deserve to know exactly what you are putting into your deposit, and how you can pay off your mortgage faster. We guide you through every single step of the process to make things as easy as possible for you, removing all unnecessary confusion and complexity.

Extraordinary Debt Reduction & Wealth Acceleration Techniques

There are three ways to guarantee a smooth home-buying process and maximise your wealth: work with a professional who will save you time, diminish your debts and risk quickly, and steer clear of costly mistakes.

Custom-Tailored Customer Service

Our superior customer service will make everything simple for you – no complex documents, giant stacks of paperwork or lack of time to review your documents. No matter if you’re checking up on your wealth-building investments or paying off your cherished home, our process is easy and effective.

Personalised Education & Mentoring

You deserve to know exactly what you are putting into your deposit, and how you can steadily pay off your mortgage over time. We guide you through every single step of the process to make things as easy and simple as possible for you by removing all unnecessary confusion and complexity.

Extraordinary Debt Reduction & Wealth Acceleration Techniques

There are three ways to guarantee a smooth home-buying process and maximise your wealth: work with a professional who will save you time, diminish your debts and risk quickly, and steer clear of costly mistakes.

Custom-Tailored Customer Service

Our superior customer service will make everything simple for you – no complex documents, giant stacks of paperwork or lack of time to review your documents. No matter if you’re checking up on your wealth-building investments or paying off your cherished home, our process is easy and effective.

Our 3-step Process

01

Apply Now

Enter your personal and property information to apply.

02

Get Approved

We will review your application in 2 business days.

03

Receive Funds

Funds can be transferred to your account in 3 days.

How an Extra $100,000 or More Can Elevate Your Sydney Lifestyle to New Heights - from Bigger Homes to Better Suburbs.

FULLY LICENSED AND ACCREDITED

20+ YEARS EXPERIENCE

SYDNEY SPECIALISTS

WE WORK WITH 40+ LENDERS

Proactive & Client-Centric Sydney Mortgage Broker

Refinance

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New Home Purchase

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Investment Loan

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Personal Loan

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Car Loans

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Business Loans

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What Our Customers Say....

Learn More About Finance Broking

Our Banks/lenders

We partner with multiple banks to offer you a diverse range of mortgage options tailored to your needs. By working with various lenders, we ensure you have access to competitive rates and flexible terms, helping you find the perfect home loan. Our comprehensive comparisons and expert advice simplify the process, making it easier for you to secure the best deal.

Learn More About Finance Broking

Book Your Finance Discovery Call

It could save you thousands! it’s time to play smart and move fast in the sydney market.
Call unconditional finance now for cost-free professional advice.

Frequently Asked Questions (FAQs)

Our services are completely free for you. We are paid a commission by the lender after your loan is settled, and all fees are fully disclosed upfront to ensure transparency.

No, you can meet with us virtually through phone calls, video calls, or emails. We offer flexible options to make the process as convenient as possible, wherever you are—even overseas.

We provide mortgage and refinancing services across Sydney, including the CBD and all surrounding suburbs. No matter where you are in the Sydney metropolitan area, we’re here to help with your home loan needs.

Your borrowing capacity depends on several factors such as your income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and give you a clear estimate of how much you can borrow.

We can typically secure your pre-approval within two business days, depending on your personal situation and the lender’s requirements.

Once you’re pre-approved, the entire loan approval process usually takes between 1 to 2 weeks, depending on how complex your application is and the lender’s requirements.

Even if you’ve already consulted with your bank, it’s worth speaking to a mortgage broker. We’ll compare your bank’s offer with other lenders to ensure you’re getting the best deal available—often finding better rates or more flexible terms.

Absolutely. We specialise in helping self-employed individuals secure home loans. We’ll assist you in gathering the necessary financial documents and find lenders that understand self-employment.

Yes, we work with lenders that offer loan products for people with less-than-perfect credit. We’ll evaluate your situation and find the best available options tailored to your needs.

Yes, we can assist you even if you’re purchasing property internationally. We provide flexible services to guide you through the loan process, no matter where you are.

A mortgage broker gives you access to loans and rates that banks may not offer directly. At Unconditional Finance, we compare hundreds of loans from over 40 lenders to save you money on fees and lower your monthly repayments.

Yes, refinancing when interest rates drop can reduce your monthly repayments. We’ll assess your situation to determine if refinancing is the right choice and guide you through the process.

Yes, at Unconditional Finance, we provide continuous support even after your loan has been settled. We review your loan regularly to ensure it stays competitive and help with any adjustments, such as refinancing or switching products.

We recommend reviewing your mortgage at least once a year to make sure you’re still getting the best rate. At Unconditional Finance, we offer free annual loan reviews to help you stay on top of your financial situation.

If your financial situation changes, we’re here to assist you. We can help adjust your loan by refinancing, switching loan types, or adjusting your repayment terms to better suit your new financial circumstances.

To begin, we’ll need basic details such as your income, expenses, assets, debts, and the type of property you’re looking to buy. Don’t worry—our team will guide you through every step and help gather the necessary information.

Scheduling an appointment with us is simple. You can book a free consultation online or by calling us at 130 048 4390, with flexible options available seven days a week to suit your availability.