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.

Two-thirds of property investors are negatively geared…

Surveys of property investors have confirmed that although investing can be a fantastic way to build long-term wealth, investors need to be prepared to weather periods of negative cash flow, especially in the early years. The Property Investment Professionals of Australia (PIPA) found that 65% of the investors they surveyed were negatively geared in 2024, […]

Inflation remains within RBA’s target range…

The latest inflation data, which were recorded before the USA’s recent series of tariff announcements, show further progress in the battle against inflation, making future interest rate cuts more likely. The annual headline inflation rate fell from 2.5% in January to 2.4% in February, according to the Australian Bureau of Statistics, which was the seventh […]

Most home loan customers could withstand a financial downturn: RBA

The Reserve Bank of Australia (RBA) has found “the vast majority of borrowers would remain able to service their debt under a range of plausible economic scenarios”, according to the central bank’s latest Financial Stability Review. Crucially, about 97% of borrowers have positive cash flow, which means they’re able to meet their mortgage commitments and potentially […]

Stamp Duty in South Australia: What Home Buyers Should Know

Buying a home in South Australia is exciting. But if you’ve started budgeting for your deposit, chances are you’ve already run into one of the most frustrating upfront costs: stamp duty. It’s not just another box to tick. For many buyers, especially first-timers, it can be the deal-breaker between moving forward confidently and putting their […]

Stamp Duty in Queensland: What You’ll Really Pay & How to Plan Smarter

Buying property in Queensland? Whether you’re a first home buyer in Brisbane, upgrading on the Sunshine Coast, or investing in the Gold Coast, one cost that can catch you off guard is stamp duty, which is officially known as transfer duty in Queensland. It’s not just another line item in your budget. Transfer duty can […]

Stamp Duty in the Northern Territory | NT Home Buyer Guide 2025

Buying a home in the Northern Territory is a big step, but NT property stamp duty is one cost that often flies under the radar until it’s too late. If you’re not prepared for it, this one-off tax can throw your budget off balance or delay your purchase altogether. Stamp duty in the Northern Territory […]

Stamp Duty in Tasmania: Your Guide to Smart Savings & Expert Tips

Buying property in Tasmania involves more than just negotiating the sale price. Whether you’re purchasing your first home, upgrading to a new one, or investing, one of the biggest upfront costs you’ll need to plan for is stamp duty. Also known as property transfer duty, this government charge can add thousands to your total expenses. […]