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About Unconditional Finance

Your team of experienced mortgage brokers providing practical advice across all aspects of finance and property!

Are You Ready To Make Smart Financial Decisions?

At Unconditional Finance, our aim is simple: to help you achieve your dream financial future by empowering you to make smart financial decisions.

Advanced Industry Knowledge

With our decades of knowledge across all aspects of finance and property, you will be matched with the best lending option that suits your individual needs. No matter your experience or size of your bank account, our goals-driven team will make it happen.

Smooth Process

Our experienced brokers have an industry-leading finance approval rate that will allow you to get your loan approved without difficulty or distress. You get to relax, knowing that your financial future is safe and secure in our hands.

Correct Finance Structure

With The Great Aussie Dream being your home, it’s the greatest investment of your life. Our #1 priority is to ensure your home is protected through correct finance structures that we have used on 1000’s of Australian home owners and property investors.

Our Awards

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...

Our Banks/lenders

Team Leaders

Chris Raymond

Principle Finance Broker

Chris Raymond

Principle Finance Broker

Team Leaders



As many of you might know, Chris is our principle broker and founder of Unconditional Finance. Reach out to Mitchell today!

With an enormous amount of experience in the industry, as well as being an investor himself, Chris knows the importance of having loans tailed and structured in the most effective way, to allow our clients to grow their property portfolios over the long term, in line with their financial goals.

Chris has won a large number of awards and accolades over the years, including making the top 100 broker list multiple years in a row.

Outside of running the company, Chris spends his time with his wife and two young boys and loves watching sports!



Joel has been with us for the past 5 years and in that time has received an incredible amount of positive feedback from his clients.

As one of our senior mortgage brokers, Joel works with clients who are looking to build multi-property portfolios, specialising in setting up the correct structures to ensure the best possible long term outcome. He also specialises in working with those in the Australian Defence industry, where he knows all the in’s and out’s as to what benefits and schemes they are entitled to.

Outside of work, Joel enjoys golf, fishing and spending time with his friends and family.



Mitchell has been in the finance industry for over 6 years and has just recently joined the Unconditional Finance team, and boy are we lucky to have him!

As an avid property investor himself, Mitchell specialises in investment property finance, and is very good at helping our investor clients set up their loans correctly, to ensure the smooth and hassle-free growth of their portfolios.

In his spare time, Mitchell enjoys playing golf and tennis. If you’re looking to build up a sizeable property portfolio and need an expert broker on your side – reach out to Mitchell today!



Ivan is our amazing customer support manager and is quite new to the industry, he is very much enjoying learning the ins and outs of the finance world.

He is currently working alongside our senior brokers – Chris and Joel – where he provides post settlement services to our clients.

Ivan is very passionate about his job, and outside of work he is also equally passionate about keeping active with a variety of sports. He loves the beach and spending time with his friends and family on weekends.

With his level of enthusiasm you can be sure to see Ivan quickly working his way up the ranks in the world of finance.



Tylor is one of the newer members of the Unconditional Finance team, and already he is proving himself to be an absolute natural when it comes to navigating the tricky world of finance and lending.

In his spare time, Tylor likes to stay active by surfing and golfing and he enjoys going out and socialising with friends.

The main aspect of the loan process that Tylor will be helping you with, is the post unconditional stage – whereby our lender has fully approved your loan, and it’s time to purchase and settle on a property. This can be a very daunting stage, especially for first home buyers, which is why it’s always a huge relief to have a qualified expert like Tylor on your side.



Nicole brings a wealth of knowledge to the Unconditional Finance team, having been in the industry for the past 14 years. Reach out to Nicole (Finance Brocker) today!

Her area of expertise is helping our clients towards the end of the finance process, by facilitating settlements. Our clients often rave about Nicole’s amazing service, as she always goes out of her way to make sure the process is as smooth and simple as possible for the borrower.

Outside of work, Nicole enjoys going to the pub and is quite the social butterfly – a quality that is reflected in the friendly manner in which she communicates with our clients.



William has been in the finance industry since 2011, started his journey with Maquarie Bank, where he spent close to a decade gathering a wealth of knowledge in home loans department.

We were lucky enough to have Will join the Unconditional Finance team about a year ago, as he provides our team with extensive knowledge of the various processes and procedures within banks. This knowledge allows him to tailor our client’s loan applications, ensuring a smooth process from submission to unconditional approval.

Outside of work, Will spends his much-deserved time off reading crime and mystery books, playing PlayStation and binging TV shows. He is very family-orientated and loves spending quality time with his loved ones.



Stephanie has recently joined the Unconditional Finance, but has been in the banking & finance industry for 13 years, across many roles including credit analyst, mortgage broker, manager & trainer.

With her vast wealth of knowledge and experience, Stephanie has made an excellent addition to our team.

Outside of work, she loves to spend time with her husband and three boys, enjoys a good wine and cheese platter while watching the footy, and loves a good reformer Pilates session!



Jade is our newest Settlements Officer, joining our team earlier this year – however she has had over 4 years’ experience in the finance industry, having worked across various roles.

Jade is an absolute wiz when it comes to building positive relationships with our clients and ensuring they have a smooth settlement process.

Outside of work, Jade loves taking her sausage dogs on adventures and exploring new hikes and coastal walks with them.



Ryan started working with us back in September 2021, at the beginning levels of our traineeship and has recently taken on the role of Credit Analyst after proving himself to be a fast learner.

We’ve also given him the unofficial title of office IT guy after he has come to the rescue any time we’ve had a tech issue.

Outside of work Ryan likes to spend time watching and playing sport or sharing quality time with his partner, friends and family.