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.

5 tips to beat out other buyers…

Property buyers are being forced to compete hard in many markets around Australia, so how can you improve your chances of securing your dream home? Here are five tips to beat out other buyers: –Have a home loan pre-approval in place. This will make you look more attractive in the eyes of real estate agents, because […]

Which Banks Offer Multiple Offset Accounts

When it comes to managing your mortgage effectively, multiple offset accounts can be a game-changer. Whether you want to reduce your interest payments, increase your financial security, or manage your funds more efficiently, you can benefit a lot from multiple offset accounts. In this article, Unconditional Finance will help you explore what multiple offset accounts […]

What Happens If I Have More Money in My Offset Account Than My Loan

Understanding how an offset account works and the implications of having more money in your offset account than your loan balance is crucial for optimising your financial strategy. Here’s a guide to help you navigate this scenario. How Does an Offset Account Work? An offset account is an everyday or transaction banking account linked to […]

Refinance Home Loan with Offset Account

If you’re looking to make the most out of your home loan in Australia, refinancing with an offset account might be the perfect solution for you. This blog post will explain refinancing and offset accounts, and outline key steps to help you successfully refinance your home loan with an offset account. Understanding Refinancing and Offset […]

How Often Can You Refinance Your Home Loan? A Simple Guide

Refinancing your home loan can be a strategic move to improve your financial situation. Whether it’s to take advantage of lower interest rates, alter loan terms, or consolidate debt, refinancing offers a pathway to better financial health. However, a common question many homeowners have is, “how often can you refinance home loan?” This guide aims […]

Refinancing Strategies for Your Investment Property

Refinancing investment property can be a savvy financial move, especially in a changing economic climate. But when is the right time, and what are the best strategies? This blog cuts through complexity to offer clarity on your refinancing investment property options, the impact of market conditions, and what you need to consider to make the […]

What Grants Are Available for First Home Buyers in Australia

Navigating the world of real estate as a first-time buyer in Australia can be both exciting and stressful. With property prices continually fluctuating and the complexities of the market, it might seem like an uphill battle. You might find yourself asking questions like, “Is there help available for first home buyers like me?” or “What […]