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.

Guide for Self-Employed Borrowers: Low Doc Home Loans

Entering the finance world, particularly as a self-employed person, can be overwhelming. With numerous loan choices and complex jargon, it’s challenging to know where to start. Luckily, this guide is here to help. With clear explanations and simple comparisons, this article explains the low or alt doc home loan market in Australia, making it easy […]

What you should know about the ‘fixed-rate cliff’…

Australia’s mortgage market is experiencing a significant shift, with many homeowners coming off two-year and three-year fixed-rate loans onto much higher variable rates today. Starting during the 2020 pandemic, there was a boom in fixed-rate borrowing, as lenders slashed their fixed rates to record-low levels and many borrowers took advantage. At the peak, almost 40% […]

Govt announces ‘appropriate safegaurds’ coming to BNPL sector…

Govt announces ‘appropriate safegaurds’ coming to BNPL sector… The federal government will change the law so buy-now-pay-later (BNPL) products are regulated as credit products, like home loans. The reason BNPL services are regulated differently is because, technically, they’re not a form of credit, as consumers are not charged interest. However, as Minister for Financial Services […]

Consumers warned about tax scams

Consumers have been warned to expect heightened scam activity and new tax scams now that tax season is almost upon us. The Australian Taxation Office (ATO) received about 20,000 scam reports in the first 11 months of the 2022-23 financial year, according to Minister for Financial Services Stephen Jones. Minister Jones said impersonation scams – […]

ATO reminds property investors to take care with their tax returns…

The Australian Taxation Office (ATO) has revealed it will have three key focus areas this tax time – one of which will be deductions claimed by property investors. The reason property investors are being targeted is because an ATO review found nine in ten property investors were filing faulty tax returns. Common errors included: As […]

Unit prices and rents heading north…

Things are looking up for owners of units, whether owner-occupiers or investors. After the national median unit price fell for 10 consecutive months, it increased in both March (0.6%) and April (0.7%), according to CoreLogic. CoreLogic economist Kaytlin Ezzy said this could signify “the start of a slow recovery phase, with inflation seemingly moving past […]

Treasurer reveals plans to reform RBA…

The Reserve Bank of Australia (RBA) is set for a shake-up, following a review commissioned by the federal government. The review made 51 recommendations, including specific measures to create a clearer monetary policy framework and stronger monetary policy decision-making. Treasurer Jim Chalmers said the government agreed in-principle with all the recommendations and would work with […]