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.

Stamp Duty in the Australian Capital Territory: What You Need to Know as a Homebuyer

If you’re planning to buy property in the Australian Capital Territory (ACT), one cost that could significantly affect your budget is stamp duty, also known locally as conveyance duty. While it might seem like just another item on the list of upfront expenses, having a clear understanding of how stamp duty works in the ACT […]

Stamp Duty in New South Wales: What You’ll Likely Pay (And Why It Matters)

If you’re starting your property journey in New South Wales, you’ve probably heard about stamp duty. These days, it’s officially known as transfer duty. And let’s be honest: it’s one of the most confusing (and expensive) parts of buying a home. Maybe you’ve asked yourself: These are all valid questions, and at Unconditional Finance, we […]

How To Pay Off Your Mortgage Faster in Australia

Imagine owning your home outright years ahead of schedule. No more monthly repayments, no more interest, and complete control over your financial future. With cost-of-living pressures rising and interest rates still a concern for many Aussie homeowners, more borrowers are looking for practical ways to cut their mortgage in half and become debt-free sooner. But […]

Debt Recycling in Australia: What It Is, How It Works, and Top Considerations

Paying off a home loan is often a significant financial milestone. But what if there were ways to potentially build long-term wealth at the same time? Debt recycling is a strategy that may help achieve this by converting non-deductible mortgage debt into investment-related debt, which could offer tax benefits depending on how it’s implemented. This […]

How Queensland’s Stamp Duty Exemption Impacts Homeownership

Queensland’s stamp duty exemption offers first-home buyers a financial advantage by reducing upfront costs. This incentive can make homeownership more accessible, but it also has longer-term consequences that buyers should consider. Does it help build equity faster? Could it contribute to rising property prices? And how might changes to government policy impact home values and […]

LVR and Investment Loans Explained: A Guide for Investors

Investing in property can be a valuable strategy for wealth-building, but understanding key financial concepts like Loan-to-Value Ratio (LVR) can help investors make more informed decisions. LVR plays a major role in determining borrowing capacity, the terms of a loan, and any additional costs that may be required. In this guide, Unconditional Finance will break […]

Everything You Need to Know About Renovation Loan Interest Rates and Terms

Renovating your home is an exciting opportunity to create a space that better suits your lifestyle. Whether you’re planning a modern kitchen, an extra bedroom, or a more energy-efficient home, the right upgrades can make a huge difference in comfort and property value. But as rewarding as renovations can be, they often come with a […]