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.

First Home Buyer Scheme delivering results…

The federal government’s Home Guarantee Scheme (HGS) is helping first home buyers on modest incomes enter the market with small deposits, according to research commissioned by the National Housing Finance and Investment Corporation. Some of the key findings from the research were: The research also found that the average HGS property has enjoyed an equity […]

Why Australian Property Prices Are So High

Over the past decade, Australian property prices have soared due to low interest rates, limited housing supply, and strong demand from both domestic and international buyers. The RBA (Reserve Bank of Australia) lowered the interest rates several times between 2011 and 2019, reaching a historic low of 0.75% by October 2019. During this time, house […]

Australia’s property market passes the $10trn milestone…

In 2023, Australia’s property market achieved a historic milestone by surpassing the $10 trillion mark for the first time. This landmark achievement highlights the market’s sustained growth and resilience despite various economic challenges. Historically, the Australian property market has shown robust performance with significant value appreciation. For example, it surpassed $5 trillion in 2013 during […]

Refinancing has jumped 12.6% – here’s why…

“Refinancing activity has remained at record highs in recent months, as borrowers continued to switch lenders amid interest rate rises,” according to the Australian Bureau of Statistics (ABS). Owner-occupiers and investors refinanced a combined $20.2 billion of loans with external lenders in June, the ABS reported. While that was 3.1% lower than the month before, […]

Here is why the federal government has increased its housing construction target…

The federal government has increased its housing construction target, in a bid to increase supply and improve affordability. Prime Minister Anthony Albanese, after meeting with the National Cabinet recently, announced a new national target to build 1.2 million well‑located new homes over five years, from 1 July 2024. That replaces the original target of 1 […]

Property investors enjoy record low rental vacancies…

Property investors in much of Australia are enjoying very low vacancy rates – and one leading property researcher has forecast that is unlikely to change anytime soon. The national vacancy rate in July was just 1.3%, according to SQM Research, which means there are very few untenanted rental properties right now. That makes it relatively […]

Vendors reduce asking prices as property listings rise…

In good news for buyers, there’s been an increase in the number of properties listed for sale, as well as an increase in the total number of properties on the market. SQM Research has reported that the number of new listings (i.e. those less than 30 days’ old) in June was 1.6% higher than the […]