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.

From Classroom to Homeowner: Smart Money Habits for Teachers Entering the Property Market

For many teachers, the idea of moving from classroom to homeowner feels both exciting and daunting. You may have a stable career, a clear sense of purpose, and a steady income, yet still feel unsure about how close you really are to buying a home. Rising living costs, higher interest rates, and stricter lending assessments […]

Part-Time or Casual Teachers: How to Get a Mortgage Without Full-Time Status

If you are a teacher working part-time or casually, it is common to feel like the home loan system was built for full-time roles only. Many teachers tell us they earn a steady income, but worry that not having a permanent contract will limit their chances of approval for a mortgage for part-time teachers. In […]

Government & Union Support Programs for Teachers Buying Homes

Buying a home as a teacher can feel like a constant balancing act. Your income may be steady, but rising property prices, higher living costs, and stricter lending assessments mean the path to ownership is not always straightforward. Many teachers we speak to feel financially responsible, yet still unsure how to bridge the gap between […]

Home Loans With No Credit History: Build Your Profile

If you have never had a credit card, personal loan, or phone plan in your name, you may assume that applying for a home loan should be straightforward. After all, you have avoided debt, paid your bills, and managed your money carefully. In today’s Australian lending environment, however, home loans with little or no credit […]

Home Loan Options If Your Partner Has Bad Credit

Finding out that your partner has bad credit can be confronting, especially if you are planning to buy a home together. In today’s Australian lending environment, many couples come to us worried that one credit issue could stop the entire plan. With higher interest rates, tighter serviceability buffers, and more detailed credit checks, it is […]

Maximising Teacher Salary Packaging & Benefits to Save for a Deposit

Saving a home deposit as a teacher can feel slower than it should. Your income may be stable, but rising living costs, rent, and everyday expenses can quietly absorb more of your pay than expected. Many teachers tell us they are doing “everything right” and still feel like the deposit goal keeps moving further away. […]

First Home Loans for Teachers: How Stable Careers Translate into Better Rates

If you are a teacher thinking about buying your first home, you may have heard that your career is viewed positively by lenders. In practice, that perception can help, but it is rarely as simple as people expect. First home loans for teachers are not approved based on job title alone. They are assessed on […]