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.

Mortgage borrowing increases 5.6% month on month…

Mortgage borrowing increases 5.6% month on month… Home loan borrowing activity is increasing among both owner-occupiers and investors. Owner-occupiers committed to $17.23 billion of mortgages in October, according to the latest data from the Australian Bureau of Statistics. That was 5.6% higher than the month before and 1.4% higher than the year before. Investors committed […]

Average credit score hits 855…

Despite rising interest rates, Australians have improved their credit score over the past year. The national average credit score rose from 846 in 2022 to 855 in 2023, according to an analysis of more than two million credit scores by credit bureau Equifax. That means the average Australian has improved from ‘very good’ to ‘excellent’, […]

Refinancing a Home Loan to Consolidate Debt – Your Path to Financial Prosperity

In the fast-paced and often unpredictable landscape of personal finances, many Australians find themselves juggling multiple debts, from credit card balances to personal loans. The struggle isn’t just about keeping track of numerous repayments, but also about the heavier interest burdens these debts can bring. This is where debt consolidation – refinancing your home loan […]

Refinancing for Renovations in Australia

Renovating your home isn’t just about enhancing its aesthetic appeal or functionality; it’s also a financial investment. The choices you make in financing these renovations can have long-lasting implications for your financial health and the value of your property. That’s why, as your mortgage brokers in Sydney, we want to help you make an informed […]

Is Refinancing Right for You? Navigating Eligibility Criteria

Have you ever pondered the possibility of whether refinancing your home is the right strategic move for your financial future? It’s a contemplation that occupies the minds of many homeowners, given its potential to profoundly influence your fiscal destiny. One frequently underestimated facet is comprehending the eligibility criteria linked to home refinancing. In this piece, […]

Good Time to Buy a House: First-Time Homeownership in Sydney

Have you found yourself envisioning the prospect of laying down roots in the lively city of Sydney? The present moment offers a golden opportunity to turn that daydream into a tangible reality. In this extensive exploration, we will intricately navigate the multifaceted Sydney real estate landscape, providing detailed insights into the nuances of timing your […]

A First Home Buyer Deposit Handbook

Embarking on the journey of purchasing your first home is an exciting endeavor but often comes with the challenge of saving for a deposit, especially for first home buyers. In Sydney’s dynamic real estate market, understanding the nuances of deposit requirements is crucial for aspiring homeowners, especially those navigating the complexities of the first home […]