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.

Hidden Costs for First-Home Buyers: Budget Beyond the Deposit

Buying your first home involves more than a deposit. Learn the real costs, from stamp duty and lender fees to strata, insurance, and maintenance, and how buffers and repayment stress-tests can help you plan with confidence.

How Your Credit Score Affects Your Home Loan as a First-Home Buyer

Buying your first home is an exciting milestone, but it can feel overwhelming when you start hearing terms like “credit score” and “credit history” thrown around. If you’re wondering how your credit score might impact your ability to secure a home loan, you’re not alone. The good news? Understanding what lenders look for and taking […]

October 2025: How Australia’s 5% Deposit Scheme Opportunity Just Changed Everything

The countdown has begun. In just weeks, Australia’s property landscape transforms forever. While most first home buyers are still calculating 20% deposits and avoiding Lenders Mortgage Insurance costs, a select group of prepared buyers will walk into October with a game-changing advantage. The question isn’t whether you’ll benefit from these changes—it’s whether you’ll be ready […]

First Home Guarantee in Sydney: Your 5% Deposit Path From October 2025

The First Home Guarantee in Sydney increases price caps to $1.5m from 1 October 2025, allowing you to buy with a 5% deposit and avoid LMI. See what this means for suburbs, auctions, and repayments, then map a clear plan for your first home.

Self-Employed Home Loans: What the Big Banks Just Changed (And What Still Needs to Catch Up)

If you’re self-employed and have ever applied for a home loan, you already know the drill: more questions, more documents, more hurdles. Even with a thriving business, getting approved for self-employed home loans through traditional banks has often been harder than necessary. But in a welcome shift, several major banks have finally started changing how […]

Big Change in Tax Debt Rules: What Aussie Small Businesses Need to Know Now

Don’t miss our LinkedIn post where we first shared this exciting update! Are you carrying an ATO tax debt and relying on the interest to be deductible? That loophole just closed. As of 2025, interest charged by the Australian Taxation Office (ATO) is no longer tax deductible, even if you’re on a payment plan. With […]

Home Loans for New Teachers: 10 Expert Tips Before You Apply

Starting your teaching career is a milestone to be proud of. You’ve worked hard to get here, and now you’re thinking about building a future beyond the classroom as well. But when it comes to home loans for new teachers, it’s completely normal to feel unsure about where to start, especially if you’re on a […]