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.

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 […]

Funding Home Improvements with Renovation Loans

Home renovations can be an exciting yet financially demanding process. Whether you’re modernising an outdated kitchen, adding an extra bedroom, or upgrading your outdoor space, the costs can quickly add up. This is where renovation loans can help, offering a financial solution to turn your vision into reality without exhausting your savings. For Australian homeowners, […]

Mistakes to Avoid When Refinancing Your Mortgage

Refinancing your mortgage can offer an opportunity to lower interest rates, reduce monthly repayments, and access more flexible loan features. However, many Australian homeowners make mistakes during the refinancing process that can result in unexpected costs, unfavourable loan terms, or long-term financial setbacks. Being aware of common refinancing mistakes and knowing how to avoid them […]

What Is The Current Interest Rate For Home Loans

Finding the best home loan interest rates can significantly impact your financial future, whether you’re buying your first property or refinancing an existing loan. With options like fixed rate home loans offering predictable repayments and variable rate home loans providing flexibility, understanding how interest rates align with your needs is key. What are the current […]

Variable Home Loan Interest Rates and Trends

Unlike a fixed-rate home loan, where rates remain constant for a fixed period, variable interest rates fluctuate based on the official cash rate set by the Reserve Bank of Australia (RBA) and other market factors. These fluctuations directly impact your home loan repayments, including principal and interest repayments. Variable rate home loans often offer flexibility, […]

Queensland’s Stamp Duty Exemption: Will It Drive Up Home Prices?

Queensland’s new stamp duty exemption offers first-home buyers potential savings in the thousands—but could it also drive up home prices? Past government incentives have triggered price surges in NSW and Victoria, raising concerns that first-home buyers in Queensland might face even tougher competition. At Unconditional Finance, we understand how policy changes impact the housing market. […]

Buying vs. Building in Queensland: Which Option is Better for First-Home Buyers?

Choosing between buying an existing home or building a new one is a big decision for first-home buyers in Queensland. Each option has its own set of advantages and challenges, influenced by factors such as cost, location, government incentives, and long-term investment potential. Queensland’s property market continues to be a popular choice for first-home buyers, […]