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At Unconditional Finance, we specialise in securing home loans for chiropractors. If other brokers have told you no, we’re here to change that. We understand the unique challenges chiropractors face when applying for home loans and know how to get approvals where others fail.
Our senior brokers have worked inside major Australian banks, making key decisions on loan approvals. This inside knowledge allows us to position your application for success. We know exactly what lenders are looking for, ensuring you get the best possible chance of approval.
All our senior brokers rank among Australia’s top 100 mortgage professionals, meaning you’ll always work with one of the best in the industry.
We provide discerning clients with strategic mortgage solutions tailored to chiropractors' situations. Our award-winning brokers bring decades of expertise, leveraging an extensive network of over 40 lenders to secure optimal lending structures that align with your long-term wealth objectives.
Whether acquiring a prestigious residence, expanding an investment portfolio, or restructuring existing finance for greater efficiency, we offer a highly personalised approach, ensuring a seamless and discreet experience at every stage.
We understand that sophisticated borrowers require more than just competitive rates—they seek structured solutions that enhance liquidity, maximise tax efficiency, and preserve capital. Our expertise extends to:
Exclusive Home Loans for High-Net-Worth Individuals
Strategic Investment Property Financing
Portfolio Refinancing & Wealth Optimisation
Tailored Solutions for Self-Employed & Business Owners
Debt Restructuring & Asset-Backed Lending
For those requiring bespoke financial arrangements, we provide access to specialised lending products:
Customised Fixed & Variable Rate Structures
Offset & Redraw Facilities for Cash Flow Management
Bridging Finance & Short-Term Liquidity Solutions
Private & Guarantor Lending
Chiropractors value our discretion, expertise, and results. Partner with a mortgage brokerage that understands the complexities of sophisticated finance and delivers unparalleled service for chiro professionals.
At Unconditional Finance, we offer a premium mortgage brokerage service that takes the stress out of securing finance. We handle everything from start to finish, ensuring a seamless experience with expert guidance at every step. With access to over 40 lenders, our award-winning brokers secure competitive rates and structured loans, so you can focus on what matters while we take care of the rest.
Every client has unique financial goals, and we take the time to understand your situation to find the best mortgage solution for you. Whether you're a first home buyer, an investor, or looking to refinance, we provide expert advice tailored to your needs. Our commitment is to guide you through every step, ensuring a smooth and stress-free journey to home ownership.
Specialised in Chiropractic Home Loans: We understand the financial structures of chiropractors and work with lenders that cater to your profession.
Exclusive LMI Waivers & Discounts: Our established relationships with major banks allow us to negotiate better deals for you.
Award-Winning Mortgage Brokers: Work with Australia’s top-rated brokers to secure the best mortgage solutions.
Minimal Paperwork & Hassle-Free Process: We handle the heavy lifting so you can focus on your career and clients.
We’re excited to help you secure the right loan. New clients can easily apply online at their convenience, while existing clients are encouraged to call us for personalised assistance and faster processing.
Principle Finance Broker
Meet Chris
Operations Manager
Meet Stephanie
Senior Finance Broker
Meet Joel
Credit Analyst
Meet Thien
Credit Analyst/Broker
Meet William
Senior Settlements Specialist
Meet NicoleConsistently recognised among Australia’s top mortgage brokers, earning multiple industry awards from MPA, The Adviser, and Specialist Finance Group.
Founder Chris Raymond leverages decades of industry expertise and personal investment acumen to help you secure the best financial solutions.
Free Consultation: Get expert guidance with no obligation.
Custom Mortgage Strategies: Tailored to your financial goals.
End-to-End Support: We handle every detail from application to settlement.
From first-home buyers to investment properties and specialist loans for professionals, we streamline the process and deliver competitive rates.
With a 5-star rating from over 320 clients, our Sydney-based team provides personalised one-on-one consultations to guide you at every step.
Our certification underscores our credibility, ethics, and leadership in the mortgage industry, meeting the highest professional standards.
We navigate complex lending requirements with ease, ensuring a smooth and successful financing experience that adheres to all regulations.
Call Now: 1300 484 390 for a no-obligation consultation and begin your journey toward a better mortgage solution.
We tailor our advice to your unique financial goals, whether it’s purchasing your first home, expanding an investment portfolio, or refinancing.
Discover how Unconditional Finance stands apart from traditional banks by offering personalised service, flexible loan options, and a client-first approach.
Customers often treated like transactions.
Clients are valued, with personalised attention and tailored solutions.
One set of products & policies, limited flexibility.
Access to 40+ lenders and a wide range of mortgage products.
Long processing times and complex approval steps.
Streamlined application process with dedicated support.
Prioritise lender interests before yours.
Your goals come first, ensuring we find the best fit for you.
Generic, one-size-fits-all loan solutions.
Custom mortgage strategies tailored to your financial goals.
Call centers and limited personal support.
Dedicated broker guiding you every step of the way.
Use our easy-to-use calculators to plan your financial future.
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 InvestmentsAs a chiropractor, you help people achieve alignment—now it’s time to align your homeownership goals with the best mortgage solutions. We help chiropractors secure LMI-free home loans, avoiding unnecessary costs and securing the best interest rates available. With Unconditional Finance’s award-winning mortgage brokers by your side, you can bypass expensive LMI fees and land a competitive home loan.
We’ve helped hundreds of chiropractors across Australia secure 90% Loan-to-Value Ratio (LVR) home loans—without paying Lenders’ Mortgage Insurance (LMI). Let us handle the complex negotiations so you can focus on your career and clients.
Yes! Chiropractors and other allied health professionals may qualify for up to 90% LVR with an LMI waiver. We negotiate directly with major banks such as ANZ and Commonwealth Bank to help you access this benefit.
For example, if you’re purchasing a $500,000 property, a 90% LVR home loan means securing $450,000 in financing—without the added expense of LMI.
LMI premiums can be significant, but we ensure you avoid these unnecessary costs, keeping more money in your pocket while securing your ideal property.
Banks view chiropractors as low-risk borrowers due to their stable incomes and professional standing. Many lenders offer specialised home loan packages for medical and allied health professionals, including chiropractors, because of their financial reliability.
For new graduates or those still building savings, an LMI waiver provides a significant advantage, allowing you to buy sooner without needing a 20% deposit.
We’ll guide you through home loan options that reduce LMI costs and secure the best available interest rates, ensuring you get the most value from your mortgage.
Yes! Many medical and allied health professionals also qualify for LMI-free home loans. Lenders assess eligibility based on income stability and professional standing.
If you don’t meet the standard LMI waiver criteria, alternative solutions such as family guarantee loans or refinancing options may be available. Speak with our specialist mortgage brokers, and we’ll assess your eligibility for 90% LVR, no-LMI home loans.
Every lender has specific conditions, interest rates, and loan requirements. Fortunately, we work with over 40 lenders, including all major Australian banks, to provide customised loan options tailored to your financial situation.
At Unconditional Finance, transparency is key. We outline all loan conditions, limits, and features so you can make informed decisions with confidence.
Absolutely! Avoiding LMI doesn’t mean sacrificing loan features. Chiropractors can still access a range of flexible home loan options, including:
We ensure your loan structure aligns with your financial goals, providing the flexibility you need while keeping costs low.
Loans By Profession
