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.

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.

Balloon Payments in Sydney Asset Finance Explained

A practical guide to balloon payments in Sydney asset finance. Understand how residuals are set, how lenders assess these loans, the potential risks, and what may happen when the balloon amount becomes due.

Specialised Industry Finance: Hospitality, Gym, & Mining Equipment Loans

Different industries finance equipment for different reasons — and lenders assess them differently too. A café buying a second oven, a gym fitting out a new studio, and a mining contractor funding site-ready gear all have unique cash flow patterns, asset profiles, and risk considerations. This article explains how specialised industry equipment finance works in […]

Construction, Earthmoving & Heavy Equipment Finance

Construction businesses are equipment-driven. Excavators, loaders, cranes, rollers and other “yellow iron” can win tenders, increase throughput, and reduce reliance on dry hire — but the upfront cost is significant. Heavy equipment loans let Australian construction and earthmoving businesses buy the machinery they need now while spreading repayments over time. This article explains loan structures, […]

Agricultural & Farming Equipment Loans

Machinery is one of the biggest costs in agriculture — but it’s also one of the biggest drivers of productivity. Farm equipment loans help Australian farmers and agri-businesses fund essential gear such as tractors, harvesters, sprayers, and irrigation systems without tying up all their cash at once. This guide explains how agricultural equipment loans work […]

Medical, Dental & Healthcare Equipment Finance

Modern healthcare runs on technology — from digital X-ray and ultrasound to dental chairs, sterilisation systems, and optometry diagnostics. But high-quality equipment is expensive, and paying cash can drain working capital that should be used for staffing, consumables, fit-outs, and day-to-day practice operations. That’s why medical equipment loans are a common way for Australian doctors, […]

Specialised Machinery Loans: Marine, Forestry, and Industrial Finance

Specialised equipment keeps niche industries moving — but it’s rarely cheap, and it’s often hard for “standard” lenders to assess. That’s where marine machinery loans and other specialised machinery finance options come in: they’re designed for businesses buying (or refinancing) high-value assets that generate revenue, but don’t fit a simple vehicle finance box. This guide […]

How to Get a Machinery Loan for a New Business or Startup

Starting a business is exciting — but funding your first major equipment purchase can feel like the hardest step. Whether you’re launching a trade business, farming operation, manufacturing workshop, or service company, securing a machinery loan for new business use often requires a different approach than established companies. This guide explains how to get a […]