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.

Westpac’s New Mortgage Policy: Making Refinancing Easier for Australian Homeowners

In response to rising interest rates and the tightening of lending standards, Westpac has introduced a new streamlined mortgage refinancing policy. This policy is designed to ease the refinancing process for eligible customers, potentially offering significant financial benefits and helping some homeowners escape what is often referred to as “mortgage prison.” At Unconditional Finance, we […]

Is Stamp Duty Tax Deductible on Your Sydney Investment Property? Here’s What You Need to Know

Stamp dStamp duty is one of the most significant costs property investors in Sydney must consider. This one-time tax can heavily impact your cash flow and overall investment strategy. At Unconditional Finance, we prioritise helping you navigate the complexities of property investment, including understanding and managing the financial implications of stamp duty. Our team of […]

Thinking About Property Development in Sydney? Here’s What You Need to Know

Property development is an exciting and potentially profitable field, offering the opportunity to make significant financial gains and contribute to the growth of urban areas like Sydney. Whether you’re a seasoned investor or new to real estate, understanding the details of property development is essential for success. This journey involves selecting the right project, navigating […]

Property investors very active in the market right now…

Home loan volumes have significantly increased over the past year, especially among investors. Investors committed to $10.67 billion of mortgages in May, according to the latest data from the Australian Bureau of Statistics. That was 29.5% higher than the year before. At the same time, owner-occupier borrowing activity rose 12.2%, to $18.13 billion. Investors were […]

New vendor data shows interesting sales trends…

Record property prices are proving to be good news for vendors, with 94.3% of all vendors in the March quarter selling their home for more than they’d originally paid, according to CoreLogic. That was the fourth consecutive quarterly increase and the highest share since 2010. However, the share of vendors who made a gross profit […]

First home buyers and single parents get more housing support…

The federal government has allocated another 50,000 places across Australia to its Home Guarantee Scheme (HGS) for the 2024-25 financial year. That includes 35,000 places for the First Home Guarantee and 10,000 for the Regional First Home Buyer Guarantee. Under the first program, the government supports eligible first home buyers to purchase a property with […]

Should You Buy a House with Your Parents in Sydney? Key Benefits and Things to Consider

In today’s competitive Sydney property market, many families are exploring new ways to achieve homeownership. One popular option is purchasing a house with parents, which is both financially smart and helps strengthen family ties. This blog will cover everything you need to know about buying a house with your parents, including financial planning, living arrangements, […]