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.

National downturn slowing, although conditions vary from city to city

Evidence is emerging that the national housing market downturn, which began in May 2022, is slowing. CoreLogic has reported that the nation’s median property price fell 1.0% in January – the smallest month-on-month decline since June 2022. Meanwhile, while the national median price fell 4.1% in the October quarter, it fell only 3.2% in the […]

How to overcome the deposit barrier

How to overcome the deposit barrier How to overcome the deposit barrier Despite the recent housing downturn, property prices are higher in most parts of the country than before the pandemic. As a result, deposit requirements are higher. Domain compared property prices in the December quarters of 2019 and 2022, and found that buyers needed […]

Rents rise from 4.3% in Canberra to 13.4% in Brisbane

Many property investors enjoyed a big rise in their rental income during 2022. CoreLogic has reported that the median rent for an Australia investment property increased 10.2% during the year. The city-by-city breakdown was: Brisbane 13.4% Adelaide 12.9% Sydney 11.4% Perth 11.2% Melbourne 9.6% Hobart 5.3% Darwin 5.1% Canberra 4.3% During 2022, the national vacancy […]

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 […]