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.

What You Need to Know About the Contract for Sale in Sydney: A Must-Read for Property Buyers

Did you know that 1 in 5 property buyers in Sydney faces unexpected complications due to overlooked details in the Contract for Sale? Don’t let that be you! Here’s how understanding this crucial document can safeguard your investment. The property market in Sydney is dynamic and competitive, attracting a wide range of buyers, from first-time […]

How Regulatory Changes are Shaping Property Investment in Australia

Imagine buying a property in Australia only to find out that recent regulatory changes have significantly altered its value. This scenario is increasingly common as the Australian property market undergoes frequent shifts. At Unconditional Finance, we focus on offering expert advice and personalised to help our clients navigate the complexities of the property market. Our […]

Pay Down Debt or Invest: Which Will Secure Your Financial Future?

Have you ever wondered if you should use extra money to pay off debt or invest it for future growth? This common dilemma needs a one-size-fits-all answer. This post explores the factors influencing the decision between paying down debt and investing, helping you make a more informed choice. At Unconditional Finance, we prioritise providing our […]

Understanding the Major Changes to Victorian Land Tax 2024

Land tax is a recurring charge levied by the state government on the ownership of land. The main goal of this tax is to raise funds for public amenities and infrastructure projects, guaranteeing that landowners support the state’s development and maintenance. At Unconditional Finance, we prioritise providing our clients with the latest updates and comprehensive […]

SMSF Investment Strategy

Self-Managed Super Funds (SMSFs) offer a flexible and personalised approach to retirement savings, allowing Australians to take control of their superannuation investments. Developing a well-structured investment strategy is crucial for maximising returns, managing risks, and ensuring compliance with legal requirements. This guide will take you through the essential components of an effective SMSF investment strategy, […]

Why Property Price Growth Is So Varied Throughout Australia

With the government announcing major home loan reforms and property prices growing strongly in many parts of the country, there’s a lot happening right now: Govt Wants Consumers to “Get a Better Deal” on Their Mortgage The federal government has unveiled a series of reforms to the banking sector, which aim to help consumers […]

Compliance Rules and Regulations for SMSF Loans in Australia

A Self-Managed Super Fund (SMSF) is a personal superannuation fund that offers you a unique opportunity to have direct control over your retirement investments, including property, within the rules set by Australian taxation and superannuation laws. You can use your SMSF to get an SMSF loan to invest in properties, potentially enhancing retirement funds. However, […]