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.

Home Loans for New Zealanders Buying Property in Australia

This guide explains how New Zealanders can buy property in Australia, how lenders assess SCV holders, deposit and income considerations, and what to expect when applying for a home loan, whether you live in Australia or New Zealand.

Home Loans for Australian Expats Buying a Home From Overseas

Australian expats can buy property from overseas with the right preparation. This guide explains how lenders assess foreign income, what documents you may need and how to navigate the process while living abroad.

Home Loans for Non-Permanent Residents: What You Need to Know Before Applying

This guide explains how home loans for non-permanent residents work in Australia, including lender policies, visa considerations, FIRB rules and documentation, so you can prepare clearly and avoid unexpected hurdles.

Buying Off-the-Plan or House & Land for First Homes

This guide explains how off-the-plan and house and land packages work for first home buyers, including risks, valuations, lender assessments and schemes, so you can decide if a new build could fit your plans.

Choosing the Right Suburb for Your First Home in Australia

Choosing a suburb for your first home can feel overwhelming. This guide explains how lifestyle needs, transport, affordability, growth trends and local development may help you compare areas and build a practical shortlist.

How First Home Buyers Can Avoid or Reduce LMI

Buying your first home in Sydney or Melbourne often starts with one important question: “How much deposit do I really need to buy a home?” For many first-home buyers, the answer is shaped by the lenders mortgage insurance (LMI). LMI can be one of the highest upfront costs if your deposit is below 20%, but […]

Your Next Step: Upgrade or Invest After Your First Home

Buying your first home is just the beginning. This guide explains how equity grows, when you might upgrade, sell or invest, and how to plan your next move without overstretching your finances.