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.

Growth in residential construction costs expected to slow in 2023

Home building costs continue to rise sharply, but it appears the worst is behind us. Residential construction costs rose 11.9% during 2022, after climbing 7.3% in 2021, according to CoreLogic’s Cordell Construction Cost Index (CCCI). The 2022 result was the largest annual increase on record, apart from the period impacted by the introduction of the […]

RBA expects inflation to fall in 2023

While inflation continues to be worryingly high, it may have peaked. The Australian Bureau of Statistics’ latest data show that inflation rose from 6.9% in October to 7.3% in November. In early December, the Reserve Bank of Australia (RBA) forecast that inflation would “peak at around 8%” in December. If that’s the case, inflation may […]

Borrowers refinance a record $19.5bn of home loans

Borrowers refinance a record $19.5bn of home loans Refinancing activity is at ultra-high levels right now, as owner-occupiers and investors alike try to find home loans with lower interest rates as the Reserve Bank continues to raise the cash rate. Borrowers refinanced a record $19.5 billion of loans in November, the most recent month for […]

Our Top Tips For Planning Your Wedding

Couples planning their weddings for 2021/2022 are in for a lesson in adaptability, with restrictions on gatherings, travel bans and other health considerations. There will be some calls to make and difficult decisions in the coming months as the nation watches the pandemic continue to unfold. There are a lot of emotions involved in planning […]

Make Your Dream Renovations Happen

Owning your own home is a goal for many Australians, and once you’ve made it there it’s understandable that you want to look after it the best you can! Maybe your ideal property was a bit of a fixer-upper because you’re a keen renovator, or you just love making it even more your own. We’ve […]

How To Manage Your Personal Loan & Finances

Managing your finances is no easy feat, especially when you’re feeling the pinch. Add a personal loan to the mix and you can start to feel overwhelmed in no time flat. The thing about personal loans is that they can actually be a tool for better managing your money when times get a little tough. Here […]