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.

Pre-Approval for an Investment Loan: Everything You Need to Know

If you are planning to invest in property, getting pre-approved for an investment loan can be a crucial first step. It can provide clarity on how much you may be able to borrow and could strengthen your position when negotiating with sellers. Pre-approval is not a formal loan approval, but it gives you an indication […]

Cash-Out Refinancing Explained | Benefits, Risks & How It Works

Cash-out refinancing may be a strategic financial move for homeowners who want to use the equity in their homes to get extra cash. It could help cover home improvements, debt consolidation, or other major expenses, while also adjusting your mortgage terms. In this guide, Unconditional Finance will break down how cash-out refinancing works, its potential […]

Refinancing for Better Loan Terms: A Complete Guide

Getting a mortgage is just the beginning of the journey. Over time, circumstances change as interest rates shift, personal finances adapt, and new loan products become available. That is why refinancing can be worth considering. It could lead to lower repayments, more flexibility, or even a chance to access your home’s equity. Refinancing means taking […]

Costs Involved in Refinancing: Fees, Charges & Hidden Expenses

Refinancing a home loan is a strategy that many Australian homeowners consider to potentially secure a lower interest rate, access home equity, or consolidate debt. While refinancing can offer financial benefits, it also comes with a range of costs that should be carefully assessed before making a decision. Many borrowers focus on the potential savings […]

Refinancing for Lower Interest Rates: A Smart Home Loan Move

For most Australian homeowners, a home loan is a major financial commitment that plays a big role in their long-term plans. Over time, circumstances change, and so do interest rates, which is why refinancing could be a valuable strategy to reduce costs, improve financial flexibility, or access equity. With interest rates fluctuating due to economic […]

Best Refinancing Mortgage Brokers: How to Make the Right Choice

Refinancing your mortgage could potentially lower your interest rate, simplify debt repayments, access home equity, or adjust your loan to fit your financial needs. However, managing the refinancing process alone can be overwhelming, given the vast range of lenders, loan products, and eligibility criteria in Australia. This is where a refinancing mortgage broker can make […]

What Are the Benefits of Refinancing? Here’s What You Need to Know

Refinancing a mortgage is a financial strategy that many Australians explore to improve their home loan terms, reduce interest rates, or access home equity. But is refinancing the right move for everyone? With interest rates fluctuating and banks offering competitive deals, homeowners may find opportunities to lower their repayments, consolidate debt, or access better loan […]