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.

10 Common Mortgage Mistakes Teachers Should Avoid in Australia

In Australia’s challenging property market, finding the right mortgage and managing unexpected costs can feel overwhelming, especially for teachers. Every choice you make can affect your financial future. That’s why it’s important to stay informed and avoid common mistakes that could cost you in the long run. With the right knowledge and guidance, you can […]

Is Refinancing Right for Teachers? Key Considerations

As a teacher in Australia, managing finances can be challenging, especially when balancing career demands with personal goals. One way to reduce financial stress and improve your financial health is by refinancing your loans. Refinancing means replacing an existing loan with a new one to have better terms or a lower interest rate. Unconditional Finance […]

Interest Rates in Australia: Predictions for 2025 and How to Stay Mortgage-Ready

The Australian financial landscape has been anything but predictable lately. With interest rates remaining high and inflationary pressures lingering, it’s no wonder many homeowners and prospective borrowers are feeling uncertain. Common questions include: “How will this affect my mortgage?” or “What can I do to stay ahead?“ In this guide, Unconditional Finance will break down […]

10 Questions Doctors Should Ask Their Mortgage Broker

As a doctor, your career is demanding and rewarding, but it can also make buying a home feel more complicated. You’ve likely spent years studying, working long hours, and managing a heavy workload, all while juggling financial pressures. Now that you’re ready to purchase your first home or refinance an existing property, you want to […]

Celebrating Our Massive Win at the 2024 SFG National Conference & Awards

As the founder and principal broker of Unconditional Finance, I am honoured to take home not just one but two awards – NSW and National Mortgage Broker of the Year – at the recent 2024 SFG National Conference & Awards held in Melbourne. This annual event, hosted by the Specialist Finance Group (SFG), a leading […]

Can You Really Buy a House with No Deposit? Here’s How!

In today’s housing market, saving for a deposit remains one of the biggest challenges for aspiring homeowners. Rising property prices, inflation, and increasing living costs have made it difficult for many to save the traditional 20% deposit. However, buying a house without a deposit isn’t out of reach. There are several creative home financing options, […]

Low Deposit Home Loans Made Easy for First-Time Buyers

Owning a home is a milestone many Australians dream of, but for first-time home buyers, the biggest hurdle is often saving for a substantial deposit. Rising property prices make this challenge even greater, and for those paying high rent, putting aside enough savings can seem impossible. This is where low-deposit home loans for first-home buyers […]