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.

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.

Credit Card Limit Reductions Before Mortgage Approval: Why Limits Matter More Than Balances

Understand why lenders assess your credit card limit, not just your balance, and how reducing limits before mortgage approval may influence borrowing capacity under Australian lending policy.

Equipment Finance for Franchise Businesses in Australia: How Lenders Assess Risk

Understand how lenders assess franchise equipment finance in Australia, including franchise agreement clauses, income and servicing checks, lease alignment, personal guarantees, and the documents commonly required. Policies can vary between lenders.

Financing Equipment at Auction Australia: What Sydney Businesses Need to Know Before You Bid

A practical guide for Sydney businesses on financing equipment at auction in Australia, covering lender assessment, valuation risk, deposits, serviceability and compressed settlement timeframes.

Private Sale Equipment Finance in Australia: What Sydney Business Owners Need to Know

Buying equipment from a private seller involves additional lender checks beyond a standard dealer purchase. This guide explains how private sale equipment finance is assessed in Australia and what Sydney business owners should prepare.

Equipment Finance with ATO Debt in Sydney: How Lenders Assess Your Application

Discover how lenders assess equipment finance applications when ATO debt is present, including how payment plans, serviceability, and asset type may influence your options.

Equipment Finance vs Paying Cash: A 2026 Guide for Sydney

Comparing equipment finance vs paying cash involves more than interest rates. This guide walks Sydney business owners through cash flow, lender criteria, liquidity, and total cost considerations.

100% Equipment Finance (No Deposit) in Sydney

A practical guide to 100% equipment finance in Sydney. Learn when no deposit funding may be considered, how lenders assess risk, and what business owners should understand before applying.