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.

How to Effectively Refinance Your SMSF Loan

If you’re considering refinancing your Self-Managed Superannuation Fund (SMSF loan), you’re in the right place! Refinancing can be a smart way to reduce your interest rate, improve your loan terms, or align your fund’s finances with your long-term goals. But it’s not without its challenges – everything from paperwork to ensuring compliance with strict regulations. […]

SMSF Loan Defaults: Navigating the Risks and Outcomes

When managing a Self-Managed Superannuation Fund (SMSF), borrowing to invest in property is a good strategy for growing your retirement nest egg. However, like any financial decision, there are risks involved. One of the most significant risks SMSF trustees face is the possibility of defaulting on an SMSF loan. Hence, you must understand what happens […]

Finding the Right Property for Your SMSF: What to Look For

So, you’ve set up a Self-Managed Superannuation Fund (SMSF) and are ready to buy property. Great move! Real estate can be a solid investment to grow your retirement savings. But you need to keep in mind that picking the right property for your SMSF isn’t as easy as a personal investment property – there are […]

Understanding the Custodian Trustee’s Role in SMSF Loans

Self-Managed Superannuation Funds (SMSFs) have become a popular way for Australians to manage their retirement savings, providing more control over investments than traditional superannuation funds. One feature that draws people toward SMSFs is the ability to borrow money to invest in property through what’s known as a Limited Recourse Borrowing Arrangement (LRBA). If you’re researching […]

SMSF Loans vs. Traditional Property Loans: Exploring the Differences

When it comes to property investment, Self-Managed Superannuation Fund (SMSF) loans and traditional property loans offer two very distinct pathways for financing. However, SMSF loans have recently been gaining popularity, particularly for those looking to take control of their retirement savings and invest in property. It is important to note that these loans are vastly […]

SMSF for Property Investment

If you are considering setting up a Self-Managed Super Fund to buy property, you’re certainly not alone! SMSFs are becoming a popular choice for Australians who want to take control of their retirement savings and use them for tangible investments like real estate. But, you should know that setting up an SMSF isn’t exactly a […]

Thinking About Your First Home as Newlyweds? Discover How to Secure the Perfect Mortgage

As newlyweds looking to buy their first home, navigating the Sydney mortgage market can feel complex. Making informed decisions from the start is essential to securing the right loan and setting up your financial future. At Unconditional Finance, we’re here to simplify the process, offering expert guidance to help you find the perfect mortgage tailored […]