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.

Self-Employed Home Loans: What the Big Banks Just Changed (And What Still Needs to Catch Up)

If you’re self-employed and have ever applied for a home loan, you already know the drill: more questions, more documents, more hurdles. Even with a thriving business, getting approved for self-employed home loans through traditional banks has often been harder than necessary. But in a welcome shift, several major banks have finally started changing how […]

Big Change in Tax Debt Rules: What Aussie Small Businesses Need to Know Now

Don’t miss our LinkedIn post where we first shared this exciting update! Are you carrying an ATO tax debt and relying on the interest to be deductible? That loophole just closed. As of 2025, interest charged by the Australian Taxation Office (ATO) is no longer tax deductible, even if you’re on a payment plan. With […]

Home Loans for New Teachers: 10 Expert Tips Before You Apply

Starting your teaching career is a milestone to be proud of. You’ve worked hard to get here, and now you’re thinking about building a future beyond the classroom as well. But when it comes to home loans for new teachers, it’s completely normal to feel unsure about where to start, especially if you’re on a […]

Teacher Home Loans and Grants for First-Time Buyers

Stepping into your first home is a moment many teachers look forward to. It’s more than just having a place to call your own. It’s about being part of the community you serve, creating stability, and building a future on your terms. While it may seem like a big leap, owning your first home could […]

Getting a Home Loan with Part-Time or Casual Teaching Income

Are you a part-time or casual teacher wondering if homeownership is realistically within reach? You’re not alone. Many educators across Australia juggle unpredictable timetables, term breaks, and varying contracts, leaving them unsure if banks will see them as “stable enough” for a mortgage. The good news? You can qualify for a home loan as a […]

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, […]