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Your team of experienced mortgage brokers providing practical advice across all aspects of finance and property!
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.
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.
As many of you might know, Chris is our principle broker and founder of Unconditional Finance. Reach out to Chris 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 6 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.
Stephanie has been in the banking & finance industry for 16 years, holding roles as a credit analyst, mortgage broker, manager, and trainer.
She began her career at CBA in 2010 before transitioning into broking, driven by her passion for financial education and providing clients with a wider range of lending solutions. Known for her organized and efficient approach, she takes pride in helping clients achieve their homeownership goals. One of her most rewarding experiences was securing a loan for a family just weeks before settlement after discovering a credit default.
Her favorite movie is *Shawshank Redemption*, her go-to song is *We Found Love* by Rihanna, and she believes, *"Hustle beats talent when talent doesn’t hustle."*
CREDIT ANALYST/BROKER
William has been in the finance industry since 2011, started his journey with Macquarie Bank, where he spent close to a decade gathering a wealth of knowledge in the home loans department.
We were lucky enough to have Will join the Unconditional Finance team, 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-oriented and loves spending quality time with his loved ones.
CREDIT ANALYST/BROKER
Tylor Ramsay is a dedicated and proactive mortgage professional who entered the industry with a passion for empowering people through one of life’s biggest milestones—buying a home. Having experienced the challenges of homeownership firsthand, he recognized the need for guidance, particularly for first-time buyers. After a career in construction left him unfulfilled, Tylor transitioned to the mortgage industry, where he now helps clients turn their dreams into reality.
One of his most rewarding experiences was assisting a client struggling with tax and business loan debt. Through refinancing and debt consolidation, he was able to relieve them of thousands in weekly payments, transforming their financial stress into relief and optimism.
CREDIT ANALYST
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.
CREDIT ANALYST
TJ is a skilled and driven Analyst with a strong background in the finance industry. Starting his career in banking in 2018, he spent several years honing his expertise in investments and mortgage broking.
His diverse experience enables him to provide valuable insights and strategic guidance, helping investors build successful property portfolios with confidence.
Beyond his professional expertise, TJ is known for his adaptable and proactive approach to problem-solving. He thrives on tackling challenges and ensuring clients achieve their financial goals.
Outside of work, he enjoys quality time with his partner and has a unique past as an ice hockey player—an unexpected skill that reflects his competitive spirit and dedication.
CREDIT ANALYST
With a Bachelor of Business from the University of Technology Sydney, Reece Gerungan has built a successful career as a Loan Consultant at Mortgage Choice, demonstrating proficiency in credit analysis and regulatory compliance.
His experience in the industry has sharpened his keen eye for detail and reinforced his steadfast commitment to client satisfaction.
Reece is dedicated to empowering clients through informed financial decisions, leveraging his expertise in lending products and analytical acumen. By combining academic insights with practical experience, he contributes to the success of both his clients and the broader financial community.
SETTLEMENTS SPECIALIST, SYDNEY
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 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.
SETTLEMENTS SPECIALIST, SYDNEY
Donna Makila has developed an impressive career in finance, starting as a teller in a small credit union at the age of 20. Over time, she advanced through roles in personal loans and eventually became a mortgage officer.
Seeking a new perspective and greater opportunities to connect with clients, she transitioned into broking 12 years ago. This change allowed her to use her extensive knowledge and hands-on experience to guide individuals and families through some of the most significant financial decisions of their lives.
With a work style best described as helpful, passionate, and thorough, Donna takes pride in delivering personalised advice and support to her clients. She especially enjoys helping first-time homebuyers, offering practical tips such as staying ahead on repayments during favourable interest rate periods. Donna’s approach to finance is deeply rooted in her commitment to making the journey of homeownership and investing as smooth and rewarding as possible.
PORTFOLIO MANAGER
Cooper Newton is a dedicated and client-centric Portfolio Manager who thrives on making a real impact in people's lives. He began his career in asset finance with no prior industry experience and has since built a reputation for his enthusiasm and commitment to helping clients achieve their financial goals.
One of Cooper’s most rewarding experiences was assisting two young entrepreneurs who were repeatedly told they couldn’t secure financing for a work vehicle. Through determination and strategic planning, he was able to secure them a deal, helping their business grow. He strongly advises first-time buyers and investors to choose their broker wisely, emphasizing the importance of working with someone who is willing to go the extra mile.
Outside of work, Cooper enjoys spending time at the beach with his girlfriend and mates. A sports lover at heart, he carries a few battle scars from footy injuries, including limited movement in his left hand. He'd love to share a meal with Heath Ledger, drawn to his intriguing personality and depth as an artist.
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