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Mortgage Broker in Sydney (Award-Winning, No-Cost Service)

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Looking for a mortgage broker in Sydney? Work with a senior, award-winning mortgage broker who understands Sydney’s property market inside out. From first home purchases to multi-property portfolios, we secure better rates, better structures, and better financial outcomes — at no cost to you.

Free Borrowing Strategy Session Call 1300 484 390

Unconditional Finance industry awards and recognitions

Trusted by Sydney Homeowners

5.0 rating from 400+ verified Google reviews

Unconditional Finance | Best Mortgage Brokers in Sydney

5.0

Based on 408 reviews

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Jamie Sadler

8 months ago

Chris and the team were fantastic to deal with after being reffered to them for our investment property purchase. They made everything really easy and were very prompt with communication for requirements and updates as well as ensuring the settlement went smoothly, would highly recommend this company for your brokerage needs. Thanks Chris and Team, see you again soon for the next one ;)

Sam

9 months ago

Dealt with Chris, Donna and Reece and had a great experience. Made life super easy getting finance and sorting out all the paperwork online with the best rate recommend for an investment property.
I do highly recommended the team and will be back.

Thanks Sam

Joshua Jackson

9 months ago

Unconditional Finance has been instrumental in helping me build and manage my property portfolio. At last count, they’ve assisted me in settling 15 loans across a mix of mortgages and equity releases, and the consistency of their service has been outstanding.

Before partnering with Unconditional Finance, I worked with five other brokers. I knew there had to be a broker out there who could genuinely understand complex structures, think strategically, and support broader long-term financial goals — and Unconditional Finance has absolutely delivered.

Chris is a true industry leader and clearly at the top of his game. His depth of knowledge, strategic thinking, and ability to navigate complex lending scenarios sets him apart. Special thanks also go to Will and Nicole, who have been fantastic since we partnered with Unconditional Finance — although the entire team has been exceptional in all my dealings. Their responsiveness, attention to detail, and ongoing support make the entire process seamless.

Janet Pham

9 months ago

TJ and Nicole were absolutely incredible throughout my finance application. From the very start, they made what could have been a stressful and overwhelming process feel smooth, clear, and genuinely easy.
Their communication was outstanding — I always knew exactly where things were at, what was needed from me, and what the next steps were. They were proactive, thorough, and clearly had my best interests at the centre of every recommendation.
What really stood out was how personal the service felt. TJ and Nicole took the time to understand my situation, explained everything in plain English, and were always available to answer questions (no matter how small). I felt completely supported and confident the entire way through.
I couldn’t recommend them highly enough and wouldn’t hesitate to use them again or refer friends and family. Thank you both for such an exceptional experience.

Kirsty Hudson

9 months ago

I have been working with Unconditional Finance for several years and can’t recommend them highly enough. All interactions have been fantastic. Their knowledge is fantastic and they have worked some magic for me when needed. Looking forward to continuing to work with them in the future.

Jo Polles

9 months ago

We had a great experience with Unconditional Finance. Will was professional, responsive, and explained everything clearly throughout the process. He made what could have been a stressful experience feel straightforward and well-managed. We felt well supported at every step and wouldn’t hesitate to recommend Will and the team at Unconditional Finance.

Cyril Sansano

9 months ago

Will & UF team went above and beyond at every step, especially when everything needed to move fast. Will’s communication was outstanding — always proactive, always clear, and always available by SMS or email whenever I needed answers. Even when the banks made things more difficult than usual, Will stayed on top of it all and got the deal done. I honestly can’t recommend him highly enough — without a doubt one of the best mortgage brokers I’ve worked with over the years.

Chris Williams

9 months ago

Joel, Nicole and the team at Unconditional finance were a pleasure to deal with, they explained everything in simple terms, no problem was too much to deal with. They made the whole process a smooth, stress free experience, would recommend their services.

Mr R

10 months ago

First class service from Chris, Will and the team at Unconditional Finance. They came highly recommended from multiple sources, and clearly understood my goals and limitations from the onset. Nothing was too hard, and they were able to deliver a timely lending solution, solving all the challenges along the way. The outcome was beyond expectations, and I would actively seek to work with them again.

Mary Elliott

10 months ago

Joel, Tori, and Nicole at Unconditional Finance were incredibly helpful and supportive for us as first home buyers. With no knowledge of any of the processes involved with applying for a mortgage, they were extremely attentive and knowledgeable, allowing us to glide through the process without any issues whatsoever. They were also able to assist us with finding a great conveyancer! The whole team was very friendly, relaxed, and ready to answer any of our questions. We highly recommend Unconditional Finance to anyone looking for a mortgage broker, will definitely be speaking to them again ourselves when the time comes!

Mark Giraffe Gruzauskas

11 months ago

We’ve worked with Unconditional Finance for a few applications now and each time we are very pleased with their services. Each of the people we’ve worked with have been phenomenal. In particular, our latest mortgage was arranged by and overseen by Stephanie – who has been instrumental in us securing land for our future dream home. She has incredible communication, professionalism and efficiency. We felt very well taken care of by her and feel extremely lucky to have been working with her in this journey. From our experience with Chris and the rest of the team at UF, we can confidently say everyone on the team is more than capable and qualified. A special thankyou to Stephanie for helping us get one step closer to our dream and we look forward to working with you again when it’s time to build!
Mark and Aleska

Hari P

11 months ago

Excellent team and provides the best possible for the clients with fast turnaround times.

Response from the owner

2 years ago

Thanks for the 5 stars Hari! Pleasure working with you!

Mitch

11 months ago

Stephanie and Nicole from Unconditional Finance have been absolutely amazing to deal with . From start to finish, clear communication, and genuine care made the whole process seamless and stress free. They both went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand no questions were never not answered in a prompt and detailed response
My wife and I could not recommend them enough.

Pramu Chandraratne

11 months ago

Will, Donna, and Nicole were fantastic to deal as a first home buyer. They communicated well and were professional from start to finish. They were particularly helpful through a tricky settlement process. Highly recommend :)

Nichole Kostal

11 months ago

Could not fault our experience with UF. Will Pengly is thorough, efficient and makes the process as easy as he possibly can.
Definitely repeat clients here! Thanks Will.

Harley Makin

11 months ago

My partner and I have recently started working with Chris, Reece and his team and could not recommend highly enough. The attention to detail and the strategies they use to help us understand how to continue building a property portfolio has been incredible. They are professional and take their work and results seriously but don’t take themselves too seriously therefore making the experience very pleasant. They are always an email, phone call or zoom meeting away if you ever need it too which is comforting and adds to the smooth experience. We look forward to a long relationship and are excited about our future working with this organisation.

Ben Cross

12 months ago

Unconditional Finance made the entire process of buying my home smooth and stress-free. They guided me every step of the way, answered all my questions, and went above and beyond to make sure everything was handled quickly and professionally. I couldn’t be happier with the support I received and highly recommend them to anyone looking for finance help!

Jasmyn Watkins

12 months ago

Thank you to the Unconditional Finance team for assisting us with our mortgages. And special thank you to Chris for looking after us. From J&S

Michael Hilton

1 year ago

Chris and the team at Unconditional Finance have been absolutely outstanding. From start to finish, their professionalism, clear communication, and genuine care made the whole process seamless and stress-free. They went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand.

I couldn’t recommend Unconditional Finance highly enough. If you want knowledgeable, reliable, and friendly finance support, this is the team you need.

Kirsten Watkins

1 year ago

Five star review for Unconditional Finance here!
Chris and his team have been able to secure two tricky mortgages for us over the last three years. Chris, TJ and Nicole’s customer service has been amazing – friendly, supportive, and professional, always. We have been so pleased with their results and service, we have referred them to friends, who have also used Unconditional Finance to secure their loans.
Thank you guys, keep up the great service!

Atil Pekin

1 year ago

I had a fantastic experience working with my broker at Unconditional Finance. From start to finish, the service was professional, prompt, and tailored to my needs. They took the time to clearly explain every step of the process and made what can often be a stressful experience feel smooth and manageable.

What stood out most was their commitment to finding the best solution for my situation. Communication was always timely and transparent, and I felt genuinely supported throughout. It’s clear they prioritize their clients’ best interests, and their expertise made all the difference.

I wouldn’t hesitate to recommend Unconditional Finance to anyone looking for reliable, knowledgeable, and friendly financial service. Thank you again for Chris and the team for your outstanding support!

Matt Murray

1 year ago

Great team. Very friendly and helpful.

Liam Chambers

1 year ago

Chris and Ivan recently helped me refinance my entire portfolio which is beginning to become a complex task, with new trust set ups and properties in my personal name becoming involved, they were all over it and helped me every step of the way structuring it so that I could continue to build out my portfolio
Cheers legends can’t wait to work with you guys again soon!

Richmond Gonzales

1 year ago

When I was buying a new property to live in, I encountered a problem in securing a home loan after I signed the contract of sale with a tight settlement period of only 45 days, I contacted so many financial and mortgage broker that I could find to help me secure a loan quickly. But only Chris Raymond of Unconditional Finanance had given me a sound solution and helped me refinanced my apartment, secure the maximum equity I can get, and use it to pay off the new property. Chris with his team worked hard and very quick, so I could beat in record time, the settlement deadline. Chris and his team were also very professional, reliable and responsive throughout the entire process. I will definitely recommend Unconditional Finance to others that might need a fnance or mortgage broker. More power to Unconditional Finance!

Christiaan M Van Den Heever

1 year ago

Megan Smith

1 year ago

Joel, TJ, Nicole & the team at Unconditional Finance has made my refinancing and subsequent investment property purchase seamless. The prompt response to any questions was reassuring as was the professional way any concerns were met. My family and I have put our trust in the team at Unconditional Finance more than once now and are very happy with the results.

Fabian Farley

1 year ago

Working with Chris and Ivan for second time was an easy experience there true professionals who get the job done fast and efficiently, answering any questions I had along the way taking all the stress out of it The team have been able to secure a loan through my smsf. Highly recommend to anybody wanting to secure any type of loan and advice once again thanks to whole team

Alex Bartolo

1 year ago

I couldn’t be happier with the support and service delivered by Joel Cross and his team.

Look no further if you are looking for a mortgage broker which provides the following:

Prompt with replying to correspondence.
Make a complex process straight forward
Speak in lay terms as opposed to finance jargon
Provide prompt solutions and intervention when encountering hurdles.

All in all, a fantastic experience and I recommend to anyone who is going through the often-daunting process of choosing a mortgage.

Simone

1 year ago

I had another fantastic experience working with
Chris and his team at Unconditional Finance.
Chris is incredibly knowledgeable, responsive and dedicated
to finding the best mortgage options for me. Unconditional
Finance has made my investment journey possible. The entire process always run smoothly and stress free. I wholeheartedly recommend Chris and all of the Unconditional Finance team to anyone looking for a reliable and trustworthy mortgage broker. As always a big thank you to Chris , Will ,Max ,Donna and Stephanie.

Keiran Sinnan

1 year ago

Chris and Tylor from Unconditional Finance were nothing short of impeccable with their services, efforts and diligent communication throughout the process of securing our loan. As this was our first home the process was overwhelming, but Chris and his team provided unwavering support and guidance from end to end. They secured us an excellent option for finance and also made sure we were satisfied and comfortable at every stage in the process. Highly recommend Chris and his team!!

joshua o'toole

1 year ago

Unconditional finance and their team were great. Made the process easy to understand and to follow.

Hasan Bhuiyan

1 year ago

Casey Turner

1 year ago

Joel and the team are amazing !
Wouldn’t go anywhere else

M Suhail Tahir

1 year ago

Review for Tylor – Exceptional Broker!

I had an outstanding experience with Tylor—he truly went above and beyond to make the entire process seamless. From launching my application to handling all bank communications, he took full responsibility and made everything effortless for me. His excellent communication, fast response, and get-things-done attitude set him apart. Super energetic and always on my side, I knew I could trust him completely.

Unlike other brokers in Sydney who left me stranded with no updates, Tylor stepped in, took charge of my case, and got it done. Unconditional Finance wasn’t initially on my radar, but thanks to Tylor, they’ve earned my highest recommendation. If you want a broker who truly delivers, he’s the one to trust!

Andrew O'Brien

1 year ago

Joel @ Unconditional Finance is awesome. Found the perfect mortgage package and was super helpful and always available whenever anything came up during settlement!

Pharrah Underwood

2 years ago

Chris, Tylor and the team at Unconditional Finance have been so great to work with. They are fantastic with communication and updated us along the journey. They are always happy to answer any ‘silly’ questions I may have had. I really feel they want us to succeed in our investing journey and have our best interests at heart. I highly recommend this Broker company.

Kelly West

2 years ago

The team at Unconditional Finance have been amazing, they’ve helped us investigate our options and land on the best way forward.
Whenever we had any questions (and we had many) they were ready and waiting with answers.
Unconditional Finance made the whole borrowing process much simpler.

Taylor Rainey

2 years ago

Steve Clarke

2 years ago

I have had Joel and his team help us with our first property build, and I have been so impressed with their knowledge, service and communication. We have had some curve balls thrown at us, but throughout the process they simply got on with the job and we have had a better outcome that I thought we would.

Tui-Terina

2 years ago

Chris Raymond went over and beyond to get us financed for our first Investment property. Even being self employed and already having a home on mortgage he got the job done. I would definitely recommend him and his services. Tui Martin Brisbane

Levon & Andrea Wilson

2 years ago

My husband and I used Unconditional Finance for the purchase of our first investment Property. They performed above and beyond our expectations. They were so helpful, answered all our questions and helped us through the process. We highly recommend the Unconditional Finance team. We will be using them again. Thank you team!

Kylie Leahy

2 years ago

We couldn’t be more impressed with the outstanding service provided by Chris and the team at unconditional Finance! This is our second time working with them, and once again, they went above and beyond to make the process smooth and stress free. Their communication was excellent, every question we had was answered quickly and thoroughly. They were always helpful, professional, and truly had our best interests at heart. We highly recommend Unconditional Finance to anyone looking for expert guidance and exceptional service.

Sarah Whiting

2 years ago

We had a great experience with the team at Unconditional Finance, they were always available to ask questions and hold our hand through the process! Would highly recommend!

Anthony Tedesco

2 years ago

Thanks to the team for their professional advice and guidance during my recent property purchase. Will thoroughly explained the different borrowing scenarios and Donna was very helpful during settlement particularly when it fell over the Christmas period.

Would highly recommend Unconditional Finance!

Alexandra Hayes

2 years ago

Really appreciate it

Josh w

2 years ago

Nothing but the best service from Chris and his team. Dealing with Reece was a pleasure, lots of guidance from the get go and life a breeze

Would highly recommend Unconditional Finance

Brian Foody

2 years ago

So glad we connected with the team at Unconditional. Chris, Ivan and Nicole helped guide us through the process of refinancing our existing mortgage and securing a new one which felt intimidating but they made it a breeze. Thanks team!

J H

2 years ago

Chris and the team at Unconditional have been absolutely fantastic with us and have made what could have been a stressful process very straightforward.
We don’t hesitate to recommend Chris as a broker- he is an amazing broker and we won’t go anywhere else.
Thank you for all you’ve done for us Chris, we appreciate you immensely.
Jess and Rhys.

Joshua Kelly

2 years ago

Chris and the team did an amazing job with our refinance and a strategy moving forward. They have helped us to streamline all our loans to the 1 bank which makes managing the various properties much simpler. The team are investors themselves and that showed in how they recommended the loans were structured etc.

Highly recommend!

Katie Nicolas

2 years ago

We recently took our finances to the team at Unconditional and couldn’t be happier. The process was smooth and so easy as they did all the work for us. It was also super speedy. I highly recommend Chris, Reece, Nicole and the whole team!

Verity

2 years ago

⭐️⭐️⭐️⭐️⭐️ Outstanding Service for First-Time Investor!

As a first-time property investor, I had countless questions and a lot of nerves going into the process, but Chris and his team made everything seamless. From the moment I reached out, they were incredibly responsive, patient, and knowledgeable.
They guided me step-by-step, ensuring I understood every part of securing financing, managing costs, and their attention to detail and clear communication gave me so much confidence, and I never felt rushed or overwhelmed.
I can’t recommend them enough to anyone looking to start or grow their property portfolio.
Thank you Chris and team!

Ibrahim Khatib

2 years ago

I can’t recommend Chris and his team at Unconditional Finance enough! Their professionalism and expertise were invaluable during my home purchase process. From the very beginning, they provided clear guidance and support, making everything so much easier for me. Chris took the time to answer all my questions and ensured I understood every step of the process. I truly felt supported throughout. If you’re looking for a reliable and knowledgeable finance team, look no further than Chris and his crew!

Jodie Giraudo

2 years ago

Fast, exceptional service and a great value for money home loan. The team provided an awesome solution and communicated with me every step of the way.

Brodie Wicks

2 years ago

Financial services made easy, very knowledgeable and nothing was an issue. Definitely using Unconditional Finance again.

Charles Toohey

2 years ago

Joel and Nicole made light work of getting my house finance sorted.

Jared Brown

2 years ago

Chris and the team have been amazing thank you so much for all your help! Ill be using you guys for the next purchase also legends

Tiana Conlon

2 years ago

Recently just bought our first house and Chris, Ryan and Nicole and everyone at Unconditional finance went above and beyond to help make it happen. They were fantastic from start to finish and still continue to help us if needed. Highly recommending to everyone I know. Keep up the great work legends! 🙌

Neil Missingham

2 years ago

Joel, Ivan and Nicole are absolutely the most trustworthy and committed team I have had the fortune of working with and recommend unconditional finance whole heartedly over any where else.

In addition, they also made recommendations for their partners in other areas that have also been instrumental in us owning our own home. I must encourage anyone who is unsure of where to start their homeowner journey to start with unconditional and they will absolutely steer you in the right direction with who to get connected with to make the who process much more enjoyable.

Cheers

Jessica Fell

2 years ago

I cannot recommend Chris and Renee enough. They were both absolutely incredible to deal with for my first property purchase. They were so supportive, extremely responsive and very knowledgeable and patient in answering any questions I had. The process felt a lot smoother and stress free having them on my team.

Waldemar Francisco Mapua

2 years ago

We have made the best choice in going with Chris and the Unconditional Finance Team for our first property purchase. They were there every step of the way to answer our questions and made sure we got the best deal possible. They were referred to us by a really good friend and we will definitely recommend them to all our friends and to anyone looking to purchase a property. Very professional and dealing with them was a breeze. Huge thanks again to the team for helping us become first time property owners.

Shari Zimmerman

2 years ago

Unconditional Finance team have been amazing. I have been conversing with Joel, Nicole and Will and I highly recommend them. They stepped me through my finance and refinance accounts in detail and notified me at every stage so I did not have to worry or stress. Very friendly, understanding and down to earth team.

Ricky Juzuf

2 years ago

Chris Raymond and his team has been a tremendous in securing a finance for me and my wife. It was pretty complex, however, they made it so smooth for us and essentially holding our hands through it all. Much appreciated guys. I’ll be in touch in the near future.

Kathryn Bourke

2 years ago

Our experience with the team at Unconditional finance was exceptional: from first contact with Chris, excellent communication with Will throughout the loan application , and followup by Stephanie, who sorted all details of the loan setup once we had unconditional approval by the bank. We found them all friendly and available to answer all our questions.
Thanks team!

Michael Lyon

2 years ago

Appreciate Chris and the team’s great service. Really knowledgable and helpful through the full process.

dandiesel27

2 years ago

Joseph Matchado

2 years ago

With my very first investment property just settled, I am so happy that I had Chris, Ryan and the team making it a reality.
From the inception of my plan to invest, all the way till settlement, they had 100% skin in the game, helping me navigate through the process of refinancing and securing the required loans in the right structure. And not forgetting their patience in guiding me through those silly doubts & confusion I might have had at (most) times.
I can’t recommend Unconditional Finance highly enough, to help anyone out there to achieve the dream of their first home or investing in property.
Thank you so much Chris and team!!!!

Mitch Kimber

2 years ago

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

2 years ago

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

2 years ago

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

2 years ago

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

2 years ago

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

Asher McGlone

2 years ago

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!

Pandji Christian

2 years ago

Chris Raymond from Unconditional Finance is a consummate professional. Him and his team have made my property purchase and selling much less stressful. Despite having many customers, Chris still finds time to sometimes chat on the phone directly, especially we are not used to the processes. I highly recommend Unconditional Finance for your property financing needs.

$4.6B+

In Settled Loans

2,000+

Sydney Clients

60+

Bank & Lender Partners

100+

Years Combined Experience

5.0 ★

Google Rating (400+ Reviews)

Not sure where to start? Book a 10-min clarity call →

Unconditional Finance team of mortgage brokers in their Sydney office

We Redefine Mortgage Excellence Since 2017

Strategic lending advice for complex income, investors, and long-term portfolio growth.

The right mortgage broker in Sydney doesn’t just compare rates — they think strategically about your entire financial position. At Unconditional Finance, we specialise in trust structures, SMSF lending, equity releases, complex income scenarios, and multi-property portfolio strategies that most brokers can’t touch. Founded by Chris Raymond — a two-time Broker of the Year and #1 ranked loan writer with SFG — our Sydney CBD brokerage has earned the trust of hundreds of families, professionals, and investors who demand more from their mortgage broker. Every recommendation we make is anchored in your long-term financial success. We build relationships, not transactions and we proactively review pricing regularly (often every 6 months where eligible). Book a 10-Minute Strategy Call

Simple & Transparent

How It Works: 3 Steps to Your New Home Loan

From first conversation to funded — we handle the entire home loan process so you can focus on what matters.

Strategy & Structuring

Free initial consultation
Comprehensive fact find
Tailored loan strategy

Submission & Approval

Best-fit lender selection
Full application lodgement
Rate & terms negotiation

Settlement & Ongoing Reviews

Settlement coordination
Rate checks every 6 months
Annual loan reviews

What Sets Our Sydney Mortgage Brokers Apart

Your strategic lending partner — from first idea to long-term portfolio growth.”

A broker should do more than compare rates. We run a clear process that reduces delays, improves approvals, and keeps you supported long after settlement.

True lender matching (not guesswork): we shortlist lenders based on policy fit first, then price — so approvals are smoother.
60+ lender panel: access to major banks + specialist lenders for complex income, self-employed, or unique properties.
End-to-end management: we prepare the file properly, coordinate documents, and manage lender follow-ups to reduce back-and-forth.
Transparent options: we explain offsets, fixed vs variable, fees and trade-offs in plain English — so you can choose confidently.
Proactive loan reviews: we check pricing and structure over time (rates, equity, opportunities) — not just at settlement.

Faster, cleaner submissions: we package applications to lender standards to reduce delays and unnecessary conditions.
Scenario planning: we map repayments, buffers, and future goals (renovation, upgrade, investing) before recommending a structure.
Support for tricky cases: self-employed, contractors, multiple properties, or non-standard security — handled with specialist policy knowledge.

Mortgage broker consulting with a client in the Unconditional Finance Sydney CBD office

The Unconditional Advantage

How We Compare: Unconditional Finance vs Banks vs Other Brokers

Not all mortgage brokers — or banks — offer the same level of service. Here’s what you can expect when you work with us.

Service	Unconditional Finance	Banks	Other Brokers
Access 60+ lenders with hundreds of loan products	✓	✗	?
Completely free service with no hidden fees	✓	✓	✓
Guide you through the entire mortgage process	✓	✗	?
Negotiate the best rates across all lenders	✓	✗	?
Communicate via phone, email, video call or in-person	✓	✗	?
Re-price your rate every 6 months post-settlement	✓	✗	✗
Free advice and strategy sessions — no obligation	✓	✗	?
Educational resources including calculators & guides	✓	✓	?
Assist with government grants & LMI waivers	✓	✗	?
Strategic loan structuring for portfolio growth	✓	✗	?
Available 7 days a week — including evenings	✓	✗	?

Our Lending Solutions

Comprehensive Mortgage & Finance Services in Sydney

Whether you’re purchasing your first home, growing an investment portfolio, or optimising an existing loan — we have the specialist expertise and lender relationships to deliver the right solution.

First Home Buyer Loans

Navigate the Sydney property market with confidence. We guide you from understanding your borrowing power to securing government grants and stamp duty concessions — making your first purchase as smooth as possible. Buy Your First Home

Refinancing

Already have a home loan? We compare your current rate against hundreds of products to find genuine savings — whether that’s a lower rate, better features, or consolidating multiple debts into one streamlined loan. Get a Better Rate

Investment Loans

Build wealth through strategically structured property investment finance. We help you maximise borrowing capacity, optimise tax positions, and structure loans for scalable portfolio growth. Expand Your Portfolio

Home Equity Loans

Unlock the equity in your property for renovations, investments, or major purchases. We help you leverage your home’s growth to achieve your next financial milestone. Unlock Your Equity

Renovation Loans

Transform your property with tailored renovation finance. Whether it’s a cosmetic refresh or a complete rebuild, we structure the funding to match your project timeline and budget. Renovate with Confidence

LMI Waived Loans

Save thousands on Lenders Mortgage Insurance with professional LMI waivers. We specialise in securing LMI-free loans for doctors, lawyers, accountants, engineers, and other qualified professionals. Save on LMI

Bridging Loans

Transitioning between properties? Our bridging finance solutions cover the gap between purchasing your new home and selling your existing one — keeping your move on track. Bridge Your Move

Second Home Loans

Purchasing a holiday home or second property? We navigate the additional lending complexities involved in securing a second mortgage with the best available terms. Secure Your Second Home

Sophisticated Investor Lending

For experienced investors with complex structures — including trusts, SMSF lending, cross-collateralisation strategies, and multi-entity borrowing. Tailored for serious portfolio growth. Maximise Your Investments

Green Home Loans

Committed to sustainability? Access favourable rates for energy-efficient homes, solar installations, and eco-friendly renovations through lenders that reward green building. Finance Green

Equity Release (55+)

Access the value built up in your home without selling. Designed for over-55s, our equity release solutions provide financial flexibility while you remain in your property. Access Your Equity

Retirement Mortgages

Secure mortgage options designed for retirees — including reverse mortgages and income-assessed lending that ensures comfort and financial stability in retirement. Secure Your Retirement

Specialist Home Loans for Sydney Professionals

Loans for Doctors Loans for Lawyers Loans for Engineers Loans for Accountants

Our People

Meet Our Award-Winning Mortgage Brokers

Experienced professionals delivering strategic lending advice, seamless execution, and long-term financial confidence.

About Our Team

Chris Raymond

Principal Finance Broker

18 Years in the Industry

Founder and multi-award-winning broker specialising in strategic loan structuring for long-term portfolio growth. #1 SFG Top 50 Loan Writer and 2025 Broker of the Year.

Credit Representative (486040) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Chris

Stephanie Coleman

Operations Manager

16 Years in the Industry

Highly organised finance professional ensuring smooth, efficient progress from submission to settlement. Nominated for Best Administrator by SFG.

Credit Representative (455589) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Stephanie

William Pengly

Credit Analyst / Broker

15 Years in the Industry

Former banker with deep lender process expertise, crafting strong applications for consistently smooth approvals.

Credit Representative (549331) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet William

Reece Gerungan

Credit Analyst

5 Years in the Industry

Detail-driven analyst focused on compliance, clarity, and client-first lending support.

Meet Reece

Our Lender Panel

We Work with Over 60 Banks & Lenders

Access to Australia’s widest range of lenders means more choice, better rates, and a home loan tailored to your exact situation — not limited to a single bank’s products. Every lender operates under distinct application criteria, evolving policies, and varying risk tolerances. Engaging an experienced mortgage broker can help navigate these differences and identify the lender best aligned with your individual circumstances.

Including all four major banks, specialist lenders, and non-bank alternatives — ensuring you always get the best deal.

Visit Our Sydney CBD Office

Centrally located in Sydney’s CBD, Unconditional Finance is easy to reach from anywhere in the metropolitan area. Whether you prefer to meet in person, over the phone, or via video call — we’re here seven days a week.

Sydney CBD, NSW, Australia
1300 484 390
Open 7 days — 8:00 AM to 8:00 PM
Free consultations — no obligation

Get Directions

Case Studies with Proven Results

Recent Client Success Stories

Real outcomes achieved through strategic structuring, proactive communication, and deep lender expertise.

View All Case Studies

Case Study 1

15 Loans Settled & Long-Term Portfolio Growth

A property investor needed consistent execution across multiple settlements and a scalable lending strategy built for ongoing expansion.

Loans Settled

Scalable

Portfolio Structure

Read Full Case Study

Case Study: First home buyer with $80K income secures $570K property

Case Study 2

$80K Income → $570K Property with Just $11,400 Deposit

A first home buyer entered the Sydney market sooner than expected by leveraging a government-supported pathway and smarter loan structuring.

$11.4K

Deposit Required

$570K

Purchase Capacity

Read Full Case Study

Case Study: Education-first approach prevents costly first home buyer mistakes

Case Study 3

Education-First Lending Prevents Costly First Home Mistakes

A first-time buyer avoided common pitfalls through plain-English guidance, proactive updates, and complete transparency at every step.

100%

Clarity on Structure

Read Full Case Study

Proven. Strategic. Results-Driven.

Why Australian Borrowers Choose Unconditional Finance

We don’t just “compare rates.” We structure loans correctly from day one — improving approval strength, borrowing power, and long-term flexibility.

We Architect Loans — We Don’t Just Arrange Them

Strategic structuring designed to protect, optimise, and grow your wealth — not just secure approval.

Structured for Approval — Not Guesswork

We match lender policy before price. That means cleaner submissions, fewer unnecessary conditions, and stronger approval outcomes — even for complex income, trusts, SMSF and multi-property portfolios.

Led by a #1 Ranked Loan Writer

Founded by Chris Raymond — multi-year Top 100 broker and 2025–2022 Broker of the Year. Our leadership isn’t theoretical — it’s nationally recognised performance.

Fast, Controlled Execution

Most pre-approvals secured within 2 business days (case dependent). We manage documentation, lender communication, and settlement — so nothing stalls or slips.

60+ Lenders. Zero Favourites.

Major banks + specialist lenders. We choose based on policy fit and structure — not convenience or habit — giving you broader options and sharper outcomes.

Support Beyond Settlement

We Don’t Disappear After Settlement. Your loan is reviewed regularly (often every 6 months where eligible) to keep pricing competitive and structure aligned with your long-term goals.

Experience That Protects You

Licensed and established in 2017, we’ve navigated rate cycles, tightening credit policies, APRA changes, and shifting markets — structuring loans that stand the test of time, not just today’s headlines.

Free Service: No Broker Fees

Our service is completely free to you. We’re paid by the lender after settlement — meaning you receive expert strategy, negotiation, and ongoing support without out-of-pocket costs.

Structured for Long-Term Family Security

We don’t just maximise borrowing power — we stress-test repayments, plan buffers, and structure loans for flexibility. So your mortgage supports your lifestyle, not strains it.

Recognition

Awards & Industry Recognition

Year-by-year highlights of the awards earned by our brokers and business. Full list available on our Awards page.

View All Awards

Top Mortgage Employers 2025 award badge — Unconditional Finance — Top Mortgage Employer · 2025

2026

#1 SFG’s Top 50 Loan Writers (2024/2025 FY) Chris Raymond
SFG (Specialist Finance Group) · Won · Feb 2026

2025

Broker of the Year (Residential) — Australian Mortgage Awards Chris Raymond
AMA · Won · Oct 2025
#7 Elite Broker Ranking 2025 — Residential Chris Raymond
The Adviser · Won · Oct 2025
Top Mortgage Employer Unconditional Finance
MPA Magazine · Won · Oct 2025
Outstanding Professional Services Unconditional Finance
Local Business Awards · Won · May 2025
Brokerage of the Year (6–20 Staff) Chris Raymond
AMA · Finalist · Aug 2025

2024

National Residential Broker of the Year (Volume) Chris Raymond
SFG · Won · Nov 2024
NSW Broker of the Year Chris Raymond
SFG · Won · Nov 2024
#23 Top 50 Loan Writer Joel Cross
SFG · Won · 2024
FBAA Broker of the Year — Residential (Excellence Awardee) Chris Raymond
AMA · Nominated · Oct 2024

2018

Broker of the Year Unconditional Finance
Bankwest · Won · 2018

Unconditional Finance team accepting the 2025 Outstanding Professional Services award

Free Tools

Home Loan Calculators

Explore your options before we speak. Use our free calculators to estimate borrowing power, compare loans, plan your budget, and more.

Borrowing Power Repayment Calculator Stamp Duty Loan Comparison Deposit Planner Refinance Savings Budget Planner Buying & Selling Costs Income Tax Expense Planner Personal Loan View All Calculators

Common Questions

Frequently Asked Questions About Mortgage Brokers in Sydney

How much does a mortgage broker cost in Sydney?

Our mortgage broking services are completely free for you. We are paid a commission by the lender after your loan is settled, and all fees and commissions are fully disclosed upfront to ensure total transparency.

How fast can I get pre-approved for a home loan?

We can typically secure your pre-approval within two business days, depending on your personal financial situation and the lender’s requirements. Complex applications involving trusts or self-employment may take slightly longer.

How much can I borrow for a home loan in Sydney?

Your borrowing capacity depends on several factors including your income, credit history, existing debts, and living expenses. During your initial consultation, we assess your full financial position and provide a clear, realistic estimate of your borrowing power. You can also use our free borrowing power calculator to get a quick estimate.

Do I need to meet with a mortgage broker in person?

Not at all. We offer flexible consultations via phone, video call, or email — available seven days a week at a time that suits your schedule. We work with clients across Sydney and internationally.

What areas of Sydney do you service?

We provide mortgage broking and refinancing services across the entire Sydney metropolitan area — including the CBD, Inner West, North Shore, Northern Beaches, Eastern Suburbs, Western Sydney, Hills District, Sutherland Shire, and all surrounding regions. We also assist interstate and overseas clients purchasing property in Sydney.

Should I use a mortgage broker if my bank already offered me a home loan?

Absolutely. Your bank can only offer their own products. A mortgage broker compares your bank’s offer against hundreds of home loan products from over 40 lenders — often finding better rates, lower fees, or more flexible terms that your bank simply doesn’t provide.

Can you help with self-employed home loans?

Yes, we specialise in helping self-employed individuals and business owners secure home loan finance. We help you prepare the necessary financial documentation and connect you with lenders experienced in assessing self-employment income, including low-doc and alt-doc options where appropriate.

Can I get a home loan with bad credit?

Yes. We work with lenders that offer loan products for borrowers with impaired or non-standard credit history. We evaluate your individual situation and identify the best available pathways to home ownership or refinancing.

How long does the full loan approval process take?

Once pre-approved, the full loan approval process typically takes between one to two weeks, depending on the complexity of your application and the lender’s assessment requirements. We manage the entire process and keep you informed at every stage.

How can a mortgage broker save me money?

A mortgage broker provides access to rates and loan products that banks may not offer directly. We compare hundreds of loans from our panel of 60+ lenders to find genuine savings on interest rates, fees, and ongoing costs — which can translate to tens of thousands of dollars over the life of your loan.

Can I refinance if interest rates drop?

Yes, refinancing when interest rates fall can significantly reduce your monthly repayments and total interest paid. We assess whether refinancing makes financial sense after accounting for any break costs or discharge fees, and guide you through the entire process.

Do mortgage brokers provide ongoing support after settlement?

At Unconditional Finance, absolutely. We re-price your variable interest rate every six months, monitor your property equity, conduct annual loan reviews, and provide ongoing advice whenever your financial circumstances change — for the life of your loan.

How often should I review my mortgage?

We recommend reviewing your mortgage at least once a year to ensure you’re still on the most competitive rate and product. At Unconditional Finance, we proactively manage this for you with complimentary rate reviews every six months.

What information do I need to get started?

To begin, we’ll need basic information about your income, expenses, assets, existing debts, and the type of property you’re looking to buy or refinance. Our team will guide you through exactly what’s required — there’s no need to have everything prepared before your first call.

How do I book a free consultation with Unconditional Finance?

You can book a free consultation online through our website or by calling us directly at 1300 484 390. We offer flexible appointments seven days a week at a time that works for you.

Ready to Speak with Sydney’s Leading Mortgage Brokers?

Book a free, no-obligation strategy session and discover how we can help you secure a better home loan — whether you’re buying, investing, or refinancing.

Book a Free Consultation Call 1300 484 390

As Seen In

Featured In Leading Industry Media

Our team is regularly invited to share market insights across Australia’s most respected mortgage publications, podcasts, and award programs.

Media Feature

Quoted in The Adviser

Commentary on the Home Guarantee Scheme and self-employed policy changes.

Jul 2024 Jul 2025

Podcast

The Investor Lab

Maximising borrowing capacity for property investors.

Amazon Episode

Major Award

Broker of the Year 2025

FBAA Residential winner at the Australian Mortgage Awards.

MPA Broker News Official

Ranking

MPA Top 100 Brokers

Chris Raymond listed among Australia’s top mortgage brokers.

View Ranking

Team

Women in Finance

Stephanie Coleman — Administrator of the Year & MPA Elite Women.

2025 Winners Elite Women

All sources linked above are independent media coverage, official awards pages, and published industry rankings.

Sydney-Specific Expertise

Buying at Auction in Sydney? Pre-Approval Alone Isn’t Enough.

Sydney’s property market moves fast — short finance clauses, competitive auctions, and lender restrictions on high-density properties mean you need a broker who understands the local risks before you bid.

What Sydney Buyers Face

Short finance clauses — often 5–14 days, leaving no room for lender delays or document gaps.
Unconditional auction contracts — no cooling off, no finance clause. You need certainty before you raise your hand.
High-density restrictions — many lenders cap LVR or decline apartments in specific postcodes or buildings.
LVR nuance by property type — a 90% LVR on a house may not apply to a studio, a unit above commercial, or new-build stock.

How We Prepare You

Valuation risk assessment We check the property against lender valuation panels and postcode restrictions before you commit — not after.
High-density policy matching We know which lenders accept specific buildings, unit sizes, and property types that others won’t touch.
Finance clause strategy We advise on clause length, lender turnaround, and when it’s safe to go unconditional — so you bid with confidence.
Auction-ready pre-approval Your file is fully packaged and lender-assessed before auction day — not just a generic pre-approval letter.

Beyond Standard Lending

Complex Scenarios We Specialise In

Most brokers handle straightforward applications. We thrive on the cases others find too difficult — complex income, non-standard structures, and multi-property strategies.

Self-Employed (1–2 Years)

ABN <2 years, variable income, or mixed PAYG + business. We match you with lenders who assess it fairly.

Trust & Company Borrowers

Family trusts, discretionary trusts, and corporate structures — we navigate lender entity requirements and guarantor obligations.

SMSF Property Purchases

Lending into a self-managed super fund requires specialist policy knowledge. We work with SMSF-approved lenders and structures.

Doctors & Professionals

LMI-waived loans for medical, legal, accounting, and engineering professionals — saving thousands in upfront costs.

Multiple Dependants

Large families face tighter serviceability. We know which lenders apply lower per-dependant costs to maximise your capacity.

HECS / HELP Debt Impact

Student debt reduces borrowing power. We calculate the real impact and place your application with lenders that assess it more favourably.

Multiple Properties

Portfolio structuring across multiple securities, cross-collateralisation decisions, and managing exposure across lenders.

Guarantor Structures

Family guarantees, limited guarantees, and exit strategies — structured correctly to protect both borrower and guarantor.

Exclusive to Our Clients

The Unconditional Review Program

Most brokers disappear after settlement. We don’t. Every Unconditional Finance client is enrolled in our structured review program — designed to keep your loan competitive and your strategy aligned with your evolving goals.

Best Rates

Review

Your loan is reviewed regularly (often every 6 months where eligible).

Annual

Loan Assessment

Full assessment of your loan structure, features, and whether a better product exists.

Equity

Leverage

We track your property value and alert you when equity unlocks new opportunities.

Portfolio

Growth Planning

Strategy sessions on restructuring, releasing guarantors, or funding the next purchase.

Your Ongoing Support Timeline

Settlement Day Loan settled. You’re enrolled in the Review Program automatically.
Month 6 — Rate Check We contact your lender to renegotiate your variable rate.
Month 12 — Full Review Loan structure, equity position, and market comparison assessed.
Month 18 — Rate Check Second round. We ensure you haven’t slipped off best pricing.
Month 24 — Strategy Session Equity unlocked? Ready to invest? We map your next move together.
Ongoing — For Life This cycle repeats for as long as you hold your loan. We never stop working for you.

Mortgage Broker in Sydney (Award-Winning, No-Cost Service)

We Redefine Mortgage Excellence Since 2017

Strategic lending advice for complex income, investors, and long-term portfolio growth.

How It Works: 3 Steps to Your New Home Loan

Strategy & Structuring

Submission & Approval

Settlement & Ongoing Reviews

What Sets Our Sydney Mortgage Brokers Apart

Your strategic lending partner — from first idea to long-term portfolio growth.”

How We Compare: Unconditional Finance vs Banks vs Other Brokers

Comprehensive Mortgage & Finance Services in Sydney

First Home Buyer Loans

Refinancing

Investment Loans

Home Equity Loans

Renovation Loans

LMI Waived Loans

Bridging Loans

Second Home Loans

Sophisticated Investor Lending

Green Home Loans

Equity Release (55+)

Retirement Mortgages

Specialist Home Loans for Sydney Professionals

Meet Our Award-Winning Mortgage Brokers

Chris Raymond

Stephanie Coleman

William Pengly

Reece Gerungan

We Work with Over 60 Banks & Lenders

Visit Our Sydney CBD Office

Recent Client Success Stories

15 Loans Settled & Long-Term Portfolio Growth

$80K Income → $570K Property with Just $11,400 Deposit

Education-First Lending Prevents Costly First Home Mistakes

Why Australian Borrowers Choose Unconditional Finance

We Architect Loans — We Don’t Just Arrange Them

Structured for Approval — Not Guesswork

Led by a #1 Ranked Loan Writer

Fast, Controlled Execution

60+ Lenders. Zero Favourites.

Support Beyond Settlement

Experience That Protects You

Free Service: No Broker Fees

Structured for Long-Term Family Security

Discover How an Extra $100,000 or More in Borrowing Power Can Elevate Your Sydney Lifestyle — Bigger Homes, Better Suburbs, Smarter Investments.

Awards & Industry Recognition

Home Loan Calculators

Frequently Asked Questions About Mortgage Brokers in Sydney

Ready to Speak with Sydney’s Leading Mortgage Brokers?

Featured In Leading Industry Media

Quoted in The Adviser

The Investor Lab

Broker of the Year 2025

MPA Top 100 Brokers

Women in Finance

Buying at Auction in Sydney? Pre-Approval Alone Isn’t Enough.

What Sydney Buyers Face

How We Prepare You

Complex Scenarios We Specialise In

Self-Employed (1–2 Years)

Trust & Company Borrowers

SMSF Property Purchases

Doctors & Professionals

Multiple Dependants

HECS / HELP Debt Impact

Multiple Properties

Guarantor Structures

The Unconditional Review Program

Review

Loan Assessment

Leverage

Growth Planning

Find Out Exactly What You Can Borrow Today