Author: Chris Raymond

Chris Raymond, the principle broker and founder of Unconditional Finance, stands as a beacon of expertise and dedication in the financial industry. With an extensive background and a wealth of experience, Chris has crafted a legacy rooted in the meticulous structuring of loans tailored to meet the unique needs of his clients. His profound understanding of the market, coupled with his personal experience as an investor, empowers him to guide clients in expanding their property portfolios sustainably and in alignment with their long-term financial objectives. Unconditional Finance, under Chris's leadership, has emerged as an award-winning mortgage broking company specializing in property investment finance, residential, commercial, and asset finance. Chris's exceptional contributions to the field have not gone unnoticed. Over the years, he has garnered numerous awards and accolades, consistently securing a place in the top 100 broker list multiple times. This recognition is a testament to his unwavering commitment to excellence and his ability to navigate the complexities of finance with precision and insight. Chris is passionate about educating his clients on the entire lending process, offering clear guidance and advice so they can make informed decisions. He works closely with his clients to determine which loan from his extensive network of lenders will best meet their financial goals. He then negotiates with lenders to secure the best possible loan terms, ensuring alignment with his clients' objectives. From completing paperwork to managing loans through to settlement, Chris handles all aspects of the lending process, monitoring loans post-settlement to maintain their competitiveness. Whether clients are in the market for their first home, their next home, or an investment property, Chris is there to help. He excels at finding lower interest rates, reducing repayments, and shortening loan terms, ensuring his clients always have the most advantageous financial arrangements. Beyond his professional achievements, Chris is a devoted family man. He cherishes time spent with his wife and two young sons, often finding joy in the simple pleasures of family life. An avid sports enthusiast, Chris's love for watching sports serves as a perfect balance to his dynamic career. Chris Raymond's journey is one of passion, perseverance, and profound impact. At the helm of Unconditional Finance, he continues to set new standards in the industry, fostering growth and financial success for his clients while nurturing a rich and fulfilling personal life. If you need an award-winning mortgage broker or want to know how Chris can assist you, don't hesitate to get in touch or connect.

Cash Rate Cut to 3.85%: Are You Paying More Than You Should?

When life’s busy, it’s easy to miss a headline, especially one about the Reserve Bank of Australia (RBA). But if you’ve got a mortgage or you’re thinking about borrowing soon, this one matters. The RBA just cut the cash rate by 0.25%, bringing it down to 3.85%. And while that might sound like another dry […]

Negative Gearing in Australia: Smart Property Strategy or Risk?

Negative gearing in Australia is one of the most talked-about strategies among property investors. You’ve probably heard people mention it alongside words like “tax benefits”, “long-term wealth”, or “smart investment”. But just because it’s popular doesn’t mean it’s right for you. The real question is: does negative gearing align with your goals, your financial situation, […]

Equity Release in Australia: Unlock Your Home’s Value

If you’re a homeowner in Australia, particularly over 60, you may be sitting on a valuable financial resource: your home equity. But what if you’re not ready to sell or downsize? That’s where equity release could come into play, giving you access to that wealth while continuing to live in the home you love. From […]

Using Super to Buy Property in Australia: What’s Actually Allowed?

If you’ve ever asked yourself, “can I use my super to buy a house?”, you’re not alone. As a mortgage broker in Sydney, Unconditional Finance hears this question often, especially from first-home buyers feeling locked out of the market or retirees looking to downsize. Here’s the truth: your super isn’t a free-for-all deposit pool, but […]

Debt Recycling in Retirement: Should You Keep the Loan?

You’ve made it. After years of paying down your home loan, building equity, and possibly implementing a smart debt recycling strategy along the way, you’ve reached a major financial milestone: your mortgage is either gone or nearly gone. And now, a new kind of question emerges. It’s one that isn’t often talked about: This stage […]

Debt Recycling Accelerates Faster for High-Income Australians

If you’re earning a high income in Australia, your ability to build wealth isn’t limited by earnings. It’s limited by strategy. Debt recycling is one of the few approaches that can accelerate mortgage reduction while building an investment portfolio at the same time. And when your income sits in a higher tax bracket, the benefits […]

Debt Recycling Strategy: Should You Invest Monthly or in Lump Sums?

If you’re looking into debt recycling in Australia, you already know it can be a powerful way to build wealth while paying off your home loan. But here’s a crucial question: how should you actually contribute to your strategy? Should you reborrow and invest every month, building momentum gradually? Or are you better off letting […]