Mortgage Brokers in Melbourne & Surrounding Areas

Innovative Solutions For North Sydney

Get Exclusive Mortgage Advice Tailored For You. Better Loan Strategies, Better Homes, Prime Locations, Significant Savings.

North Sydney’s Award-Winning Mortgage Broker

WELCOME TO UNCONDITIONAL FINANCE

Unconditional Finance is North Sydney’s trusted, award-winning mortgage broker, dedicated to helping you find the right loan. With over 25 years of industry expertise, we provide personalised, client-focused services to assist with buying or investing in property. Our experienced team works with more than 40 lenders to secure competitive rates and seamless financial solutions—all with no additional fees for our services.

Securing the right home loan in North Sydney should be simple and stress-free. With access to over 40 lenders and hundreds of loan options, we can connect you with the best solution tailored to your needs.

Whether you’re purchasing a home or investing, our technology links directly to banks, allowing you to access the best deals without the hassle. At Unconditional Finance, we take the time to understand your financial goals, helping to reduce unnecessary costs, avoid Lenders Mortgage Insurance (LMI), and provide accurate repayment plans with useful features like offset accounts. Best of all, our services are completely free. Many lenders also offer special deals for first-time buyers and those with specific savings plans, allowing you to save even more.

25+ Years of Experience | Access to 40+ Lenders | No Extra Costs

Proactive & Client-Centric

WE HELP MELBURNIANS

Tailored Mortgage Guidance for all types of loans. Quick approvals and expert support whenever you need a home loan expert. No additional fees for our professional services. With more than ten years of industry experience, we are fully licensed and well-established. Benefit from competitive rates through our network of over 40 leading banks and lenders.

Unconditional Finance team outside

Fully Licensed And Accredited

25+ Years Experience

Melbourne Specialists

We Work With 40+ Lenders

Let Us Help You With The Right Finance Solution For You

At Unconditional Finance, we understand that financial situations vary for everyone. This recognition drives our dedication to providing personalised services. Whether you need a business loan or a home loan, we are committed to going the extra mile with you, hand in hand, until we find the loan that perfectly aligns with your unique financial needs.

First Home Buyer LoansRefinance Home LoansInvestment Loans
Commercial Property LoansSMSF LoansSelf-Employed Home Loans
Doctor LoansDebt Consolidation LoansBad Credit Loans

The Unconditional Finance Difference

MFAA Approved    We’re MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Melbourne. Award-Winning    We’ve been recognised as one of Melbourne’s leading mortgage brokers for several years running.  12+ Years Experience    For over 12 years, we’ve worked with clients to help them achieve their financial goals. 
Fully Qualified    Lumbini has a Diploma of Mortgage Broking (MBA) from the University of Wales and a Cert IV and a Diploma in Mortgage Broking and Finance.  Fully Licensed    We’re fully licensed mortgage brokers and registered with ASIC, meaning we understand the unique requirements of the industry.  Client-Focused    When working with Unconditional Finance, you can trust your goals and needs will always be our priority. 

Here For All Your Loan And Refinancing Needs

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 20 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 Unconditional Finance Serves You

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.

Navigate the North Sydney Property Market with Confidence

The North Sydney property market offers excellent opportunities, particularly in its outer suburbs. However, it’s important to be mindful of areas with an oversupply, as lenders often see these as higher risk and may require larger deposits.

By working with a local mortgage broker, you benefit from expert, personalised advice. We help you secure competitive repayment terms and useful loan features, while monitoring interest rate changes to ensure you’re always getting the best deal. Additionally, partnering with a broker provides insights into up-and-coming suburbs where property values are expected to rise, boosting your long-term investment returns. Read More

Maximise Your Borrowing Power by Managing Credit Cards

Credit cards can influence your home loan approval, but managing them effectively can boost your borrowing power. Pay bills on time, reduce credit limits, or consolidate multiple cards to strengthen your application.

Our specialists can help you optimise your credit profile, improving your loan approval chances. Additionally, closing unused credit cards before applying can enhance your creditworthiness. Understanding how lenders evaluate credit card debt is key to maximising your borrowing capacity.

Strengthen Your Loan Application with Credit Scores and Property Valuations

Low property valuations or credit scores can complicate the loan process. We address these challenges by offering free property valuations and reducing unnecessary credit checks, helping protect your credit score.

A solid credit score can also improve your negotiation power with lenders, potentially resulting in lower interest rates or more flexible loan terms. Minimising credit inquiries while applying for a loan is critical to avoiding any red flags with lenders.

Save More with Customised Loan Features

While securing a low interest rate is important, the right loan features can save you even more in the long run. Offset accounts, redraw facilities, and extra repayments can help you save thousands over the life of the loan. Sometimes, a slightly higher interest rate with the right features can be more cost-effective.

We make it easy by comparing the latest loan products from over 40 lenders. Our team will find the perfect balance of interest rates and features to match your financial goals. Features like splitting your loan between fixed and variable rates can offer both stability and flexibility, allowing you to adapt to changing market conditions.

Avoid LMI and Save Big

Lenders Mortgage Insurance (LMI) is an additional cost to the borrower, designed to protect the lender. You can avoid this by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to below 80%.

We guide you through strategies to minimise or avoid LMI costs. If saving a 20% deposit isn’t practical, we’ll explain how LMI can still help you get into the market sooner and how to manage its cost effectively. Some lenders also offer limited-time LMI waivers for certain professionals or buyers in specific areas, so it’s worth exploring these options with your broker.

Understanding Lender Policies: Getting It Right the First Time

Every lender has unique credit policies that can affect your loan approval. At Unconditional Finance, we ensure your application aligns with these requirements, improving your chances of success.

Understanding how banks handle non-traditional income, such as freelance or casual work, can be essential for self-employed or part-time earners. Our knowledge of lender preferences allows us to structure your application to fit their criteria, saving you time and frustration.

Choose a Broker Who Prioritises Your Needs

A great mortgage broker does more than just secure a loan—they simplify the process, offer personalised advice, and focus on your unique financial needs. At Unconditional Finance, we take the time to understand your financial situation and offer tailored loan options to suit your goals.

From pre-approval through to settlement, we’ll guide you every step of the way, ensuring you get the best deal for both now and the future. Even after settlement, we continue to monitor your loan, identifying opportunities for refinancing as market conditions change.
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PROACTIVE & CLIENT-CENTRIC SYDNEY MORTGAGE BROKER

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 Australian clientele, and boasting connections with an expansive range of lenders, we’re your perfect financial companion on the journey to securing your Sydney mortgage.

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....

Jordy Alexander
Jordy Alexander
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We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...
Meredith Paige
Meredith Paige
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We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...
Asher McGlone
Asher McGlone
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I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...
Justin smith
Justin smith
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Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...
Kane Cox
Kane Cox
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Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...
Chad Robinson
Chad Robinson
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Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...
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It could save you thousands! it’s time to play smart and move fast in the sydney market.
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Frequently Asked Questions (FAQs)

Our services are completely free to you. We’re compensated by the lender after your loan is settled, with all fees fully disclosed upfront to maintain transparency.

No, you don’t need to meet with us in person. We offer virtual meetings via phone, video calls, or emails to make the process convenient for you, whether you’re in Sydney or overseas.

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

Your borrowing capacity is influenced by several factors, including 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 circumstances and the lender’s requirements.

Once you’ve been pre-approved, the entire loan approval process generally takes between 1 to 2 weeks, depending on the complexity of your application and the lender’s requirements.

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

Absolutely. We specialise in securing home loans for self-employed individuals. 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 designed for people with less-than-perfect credit. We’ll assess your situation and find the best available options to meet your needs.

Yes, we can assist you with purchasing property internationally. We offer flexible services to guide you through the loan process, no matter where you are located.

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

Yes, refinancing when interest rates drop can lower 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 ongoing support even after your loan is settled. We regularly review your loan to ensure it remains competitive and assist with any adjustments, such as refinancing or switching products.

We recommend reviewing your mortgage at least once a year to ensure 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. We can help adjust your loan by refinancing, switching loan types, or modifying your repayment terms to better suit your new financial circumstances.

To get started, we’ll need basic details such as your income, expenses, assets, debts, and the type of property you’re interested in buying. Our team will guide you through each step and assist in gathering the necessary information.

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