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Mortgage Brokers in Sydney & Surrounding Areas

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UF Awards All 1
Mitch Kimber
Mitch Kimber
2024-06-11
Trustindex verifies that the original source of the review is Google.
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 McLean
Jess McLean
2024-05-31
Trustindex verifies that the original source of the review is Google.
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 Campbell
Korryn Campbell
2024-05-29
Trustindex verifies that the original source of the review is Google.
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 Seck
Andrew Seck
2024-05-25
Trustindex verifies that the original source of the review is Google.
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 Alexander
Jordy Alexander
2024-05-20
Trustindex verifies that the original source of the review is Google.
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
Meredith Paige
Meredith Paige
2024-05-16
Trustindex verifies that the original source of the review is Google.
We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to us and supported us through the entire process.
Asher McGlone
Asher McGlone
2024-05-15
Trustindex verifies that the original source of the review is Google.
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!
Justin smith
Justin smith
2024-05-14
Trustindex verifies that the original source of the review is Google.
Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing.
Kane Cox
Kane Cox
2024-05-13
Trustindex verifies that the original source of the review is Google.
Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with other brokers. Can't thank them enough!
Paul Mantel
Paul Mantel
2024-05-11
Trustindex verifies that the original source of the review is Google.
Great company to deal with, super supportive and very responsive. I would highly recommend Unconditional Finance!!

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 SYDNEYSIDERS

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 loan that suits your needs. 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

Let Us Help You With The Right Finance Solution For You

In the world of Unconditional Finance, we embrace the fact that financial landscapes differ from person to person. This appreciation for diversity fuels our commitment to offering bespoke 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 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

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 Loans

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.

Work With Award-Winning Finance Brokers

MFAA Endorsed

Basking in the glow of 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. Aside from bagging numerous accolades, including recurrent Top 100 Broker mentions, Chris savours family time and sports when off-duty.

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 Serves You

Why Us?

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.

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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Calculators

Use one of our many calculators to help you better manage your finances.

What Our Customers Say....

Mitch Kimber
Mitch Kimber
2024-06-11
Trustindex verifies that the original source of the review is Google.
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 McLean
Jess McLean
2024-05-31
Trustindex verifies that the original source of the review is Google.
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 Campbell
Korryn Campbell
2024-05-29
Trustindex verifies that the original source of the review is Google.
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 Seck
Andrew Seck
2024-05-25
Trustindex verifies that the original source of the review is Google.
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 Alexander
Jordy Alexander
2024-05-20
Trustindex verifies that the original source of the review is Google.
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
Meredith Paige
Meredith Paige
2024-05-16
Trustindex verifies that the original source of the review is Google.
We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to us and supported us through the entire process.
Asher McGlone
Asher McGlone
2024-05-15
Trustindex verifies that the original source of the review is Google.
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!
Justin smith
Justin smith
2024-05-14
Trustindex verifies that the original source of the review is Google.
Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing.
Kane Cox
Kane Cox
2024-05-13
Trustindex verifies that the original source of the review is Google.
Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with other brokers. Can't thank them enough!
Paul Mantel
Paul Mantel
2024-05-11
Trustindex verifies that the original source of the review is Google.
Great company to deal with, super supportive and very responsive. I would highly recommend Unconditional Finance!!

Learn More About Finance Broking

Our Banks/lenders

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 About Our Broking Services

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you’re overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients’ diverse needs.

If you’re unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you're overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients' diverse needs.

If you're unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.