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.

Can I Use Equity to Renovate?

When it comes to home improvements, utilising the value of your home equity can be a smart way to fund renovations. Whether you’re looking to modernise your kitchen, add an extra room, or revamp your outdoor space, using your home’s equity can provide the financial leverage you need. In this blog, we’ll explore how you […]

How to Use Equity to Buy a Second Property

Investing in a second property is a significant financial move, and leveraging your home equity can make this goal more attainable. The gap between your property’s current market value and the remaining mortgage balance is known as equity. This untapped resource can be a powerful tool to fund your next real estate investment. In this […]

Big Banks vs. 2nd Tier Lenders for Home Loans: Making the Right Choice for Your Mortgage Needs

When it comes to securing a home loan, Australian homebuyers have various choices. The two primary options are big banks and second-tier lenders. Each has pros and cons, so knowing the differences is essential to make a smart decision. In this blog, we’ll explore the key factors to consider when choosing between big banks and […]

Borrowers staying on top of mortgages, despite higher cost of living

Despite the rise in inflation and interest rates over the past two years, “nearly all borrowers continue to service their debts on schedule”, according to the latest Financial Stability Review from the Reserve Bank of Australia (RBA). “Households with lower incomes, including many renters, have felt these budget pressures acutely,” the RBA said. “Most mortgagors […]

Everything You Need To Know About First Home Buyers Grant

For many Australians, purchasing a first home is a significant milestone, but it often comes with its set of challenges, particularly financial. This is where the First Home Buyers Grant (FHBG) steps in, offering much-needed support to those stepping onto the property ladder for the first time. This guide aims to unpack everything you need […]

How to Get The Best Home Equity Loan Rates?

Securing the best home equity loan rates can significantly impact your financial flexibility and the overall cost of your home loan amount. Whether you’re planning a major renovation, a new investment property, consolidating debt, or funding a significant purchase, finding an advantageous rate is crucial. This guide aims to navigate you through the essential steps […]

Home loan commitments rise 13.3%

The value of new mortgage borrowing is continuing to increase, as more buyers enter the market and property prices – and therefore loan sizes – keep rising. Borrowers committed to $26.40 billion of home loans in February, according to the most recent data from the Australian Bureau of Statistics. That was 1.5% higher than the […]