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.

Equipment Loans for Startups: A Guide for New Australian Businesses

Compare loan and lease options, understand eligibility requirements, and secure the equipment your startup needs — even without an established trading history. Starting a business in Australia takes more than a great idea — it takes the right tools and machinery to get operations off the ground. Equipment loans for startups give new business owners […]

Living Expense Red Flags That Lenders Review for Home Loans

Learn how Australian lenders review spending patterns when assessing home loan applications, including gambling transactions, BNPL usage, cash withdrawals, and other living expense red flags that may influence borrowing capacity.

Applying for a Home Loan While on Probation

A practical guide to how Australian lenders may assess a home loan application while you are on probation, including employment checks, serviceability, required documents, and timing considerations.

Joint Mortgage Applications With Unequal Incomes

A practical guide explaining how Australian lenders assess mortgage applications where borrowers have unequal incomes, including serviceability weighting, shared liability, borrowing capacity factors, and financial risks borrowers should understand before applying.

Using Large Cash Gifts for a Home Deposit in Australia

Using a large cash gift for a home deposit can help bridge the savings gap, but lenders will verify the source of funds, gift structure, and documentation before approving your loan application.

Mortgage Applications With Large Cash Withdrawals

Cash withdrawals on bank statements may attract questions during a mortgage application. This article covers why lenders review cash usage, how far back statements typically go, and what explanations could help your application.

How Much Income Should Go Toward Your Mortgage?

Wondering how much of your income should go toward a mortgage? This guide explains common affordability guidelines, lender serviceability assessments, and budgeting considerations for home buyers in Sydney and across NSW.

Mortgage Approval After Closing a Personal Loan in Australia

Recently paid out a personal loan and planning to apply for a home loan? This guide explains how Australian lenders assess recently closed debts, credit reporting timelines, and when to apply.

Australian Government 5% Deposit Scheme in Sydney: Everything You Need to Know to Get Started

The Australian Government 5% Deposit Scheme (formerly the Home Guarantee Scheme) could offer Sydney first home buyers a more accessible entry into the property market. This guide covers how the scheme works, who may be eligible, the application process, what it could save you, and how to approach it in Sydney’s competitive market.