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Sydney's most trusted mortgage brokers with multiple industry awards year after year and hundreds of 5-star reviews. We'll calculate your exact borrowing capacity with no obligation and no credit check.

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Unconditional Finance mortgage brokers meeting with clients in Sydney

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1300 484 390
Awarded year after year
Recognised as one of Sydney’s leading mortgage brokers.
Award winning mortgage brokers in Sydney from 2017 to 2025
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Strategic lending advice for every stage

From first home buyers to seasoned investors, our team structures loans for long-term success. We compare a wide panel of lenders and guide you through every step of the process.

  • Multiple industry awards across consecutive years
  • Hundreds of genuine 5 star reviews from clients across Sydney and beyond
  • Tailored strategies for first home buyers, refinancers and investors
  • Clear communication from pre-approval through to settlement and beyond

What our clients say

Our multi-award-winning service is backed by hundreds of 5 star Google reviews from clients who have trusted us with their home loans and investment finance.

Unconditional Finance Mortgage Brokers Sydney
5.0
Based on 392 reviews
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Mr R
10:41 17 Nov 25
First class service from Chris, Will and the team at Unconditional Finance. They came highly recommended from multiple sources, and clearly understood my goals and limitations from the onset. Nothing was too hard, and they were able to deliver a timely lending solution, solving all the challenges along the way. The outcome was beyond expectations, and I would actively seek to work with them again.
Mr R
10:41 17 Nov 25
First class service from Chris, Will and the team at Unconditional Finance. They came highly recommended from multiple sources, and clearly understood my goals and limitations from the onset. Nothing was too hard, and they were able to deliver a timely lending solution, solving all the challenges along the way. The outcome was beyond expectations, and I would actively seek to work with them again.
Mary Elliott
02:18 03 Nov 25
Joel, Tori, and Nicole at Unconditional Finance were incredibly helpful and supportive for us as first home buyers. With no knowledge of any of the processes involved with applying for a mortgage, they were extremely attentive and knowledgeable, allowing us to glide through the process without any issues whatsoever. They were also able to assist us with finding a great conveyancer! The whole team was very friendly, relaxed, and ready to answer any of our questions. We highly recommend Unconditional Finance to anyone looking for a mortgage broker, will definitely be speaking to them again ourselves when the time comes!
Mary Elliott
02:18 03 Nov 25
Joel, Tori, and Nicole at Unconditional Finance were incredibly helpful and supportive for us as first home buyers. With no knowledge of any of the processes involved with applying for a mortgage, they were extremely attentive and knowledgeable, allowing us to glide through the process without any issues whatsoever. They were also able to assist us with finding a great conveyancer! The whole team was very friendly, relaxed, and ready to answer any of our questions. We highly recommend Unconditional Finance to anyone looking for a mortgage broker, will definitely be speaking to them again ourselves when the time comes!
Mark Giraffe Gruzauskas
23:39 23 Oct 25
We've worked with Unconditional Finance for a few applications now and each time we are very pleased with their services. Each of the people we've worked with have been phenomenal. In particular, our latest mortgage was arranged by and overseen by Stephanie - who has been instrumental in us securing land for our future dream home. She has incredible communication, professionalism and efficiency. We felt very well taken care of by her and feel extremely lucky to have been working with her in this journey. From our experience with Chris and the rest of the team at UF, we can confidently say everyone on the team is more than capable and qualified. A special thankyou to Stephanie for helping us get one step closer to our dream and we look forward to working with you again when it's time to build!
Mark and Aleska
Mark Giraffe Gruzauskas
23:39 23 Oct 25
We've worked with Unconditional Finance for a few applications now and each time we are very pleased with their services. Each of the people we've worked with have been phenomenal. In particular, our latest mortgage was arranged by and overseen by Stephanie - who has been instrumental in us securing land for our future dream home. She has incredible communication, professionalism and efficiency. We felt very well taken care of by her and feel extremely lucky to have been working with her in this journey. From our experience with Chris and the rest of the team at UF, we can confidently say everyone on the team is more than capable and qualified. A special thankyou to Stephanie for helping us get one step closer to our dream and we look forward to working with you again when it's time to build!
Mark and Aleska
Hari P
21:32 22 Oct 25
Excellent team and provides the best possible for the clients with fast turnaround times.
Response from the owner 00:42 15 Jan 25
Thanks for the 5 stars Hari! Pleasure working with you!
Hari P
21:32 22 Oct 25
Excellent team and provides the best possible for the clients with fast turnaround times.
Response from the owner 00:42 15 Jan 25
Thanks for the 5 stars Hari! Pleasure working with you!
Mitch
10:16 16 Oct 25
Stephanie and Nicole from Unconditional Finance have been absolutely amazing to deal with . From start to finish, clear communication, and genuine care made the whole process seamless and stress free. They both went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand no questions were never not answered in a prompt and detailed response
My wife and I could not recommend them enough.
Mitch
10:16 16 Oct 25
Stephanie and Nicole from Unconditional Finance have been absolutely amazing to deal with . From start to finish, clear communication, and genuine care made the whole process seamless and stress free. They both went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand no questions were never not answered in a prompt and detailed response
My wife and I could not recommend them enough.
Pramu Chandraratne
23:12 15 Oct 25
Will, Donna, and Nicole were fantastic to deal as a first home buyer. They communicated well and were professional from start to finish. They were particularly helpful through a tricky settlement process. Highly recommend 🙂
Pramu Chandraratne
23:12 15 Oct 25
Will, Donna, and Nicole were fantastic to deal as a first home buyer. They communicated well and were professional from start to finish. They were particularly helpful through a tricky settlement process. Highly recommend 🙂
Nichole Kostal
04:05 04 Oct 25
Could not fault our experience with UF. Will Pengly is thorough, efficient and makes the process as easy as he possibly can.
Definitely repeat clients here! Thanks Will.
Nichole Kostal
04:05 04 Oct 25
Could not fault our experience with UF. Will Pengly is thorough, efficient and makes the process as easy as he possibly can.
Definitely repeat clients here! Thanks Will.
Harley Makin
18:33 02 Oct 25
My partner and I have recently started working with Chris, Reece and his team and could not recommend highly enough. The attention to detail and the strategies they use to help us understand how to continue building a property portfolio has been incredible. They are professional and take their work and results seriously but don't take themselves too seriously therefore making the experience very pleasant. They are always an email, phone call or zoom meeting away if you ever need it too which is comforting and adds to the smooth experience. We look forward to a long relationship and are excited about our future working with this organisation.
Harley Makin
18:33 02 Oct 25
My partner and I have recently started working with Chris, Reece and his team and could not recommend highly enough. The attention to detail and the strategies they use to help us understand how to continue building a property portfolio has been incredible. They are professional and take their work and results seriously but don't take themselves too seriously therefore making the experience very pleasant. They are always an email, phone call or zoom meeting away if you ever need it too which is comforting and adds to the smooth experience. We look forward to a long relationship and are excited about our future working with this organisation.
Ben Cross
02:31 23 Sep 25
Unconditional Finance made the entire process of buying my home smooth and stress-free. They guided me every step of the way, answered all my questions, and went above and beyond to make sure everything was handled quickly and professionally. I couldn’t be happier with the support I received and highly recommend them to anyone looking for finance help!
Ben Cross
02:31 23 Sep 25
Unconditional Finance made the entire process of buying my home smooth and stress-free. They guided me every step of the way, answered all my questions, and went above and beyond to make sure everything was handled quickly and professionally. I couldn’t be happier with the support I received and highly recommend them to anyone looking for finance help!
Jasmyn Watkins
10:12 21 Sep 25
Thank you to the Unconditional Finance team for assisting us with our mortgages. And special thank you to Chris for looking after us. From J&S
Jasmyn Watkins
10:12 21 Sep 25
Thank you to the Unconditional Finance team for assisting us with our mortgages. And special thank you to Chris for looking after us. From J&S
Michael Hilton
08:35 10 Sep 25
Chris and the team at Unconditional Finance have been absolutely outstanding. From start to finish, their professionalism, clear communication, and genuine care made the whole process seamless and stress-free. They went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand.

I couldn’t recommend Unconditional Finance highly enough. If you want knowledgeable, reliable, and friendly finance support, this is the team you need.
Michael Hilton
08:35 10 Sep 25
Chris and the team at Unconditional Finance have been absolutely outstanding. From start to finish, their professionalism, clear communication, and genuine care made the whole process seamless and stress-free. They went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand.

I couldn’t recommend Unconditional Finance highly enough. If you want knowledgeable, reliable, and friendly finance support, this is the team you need.
Kirsten Watkins
01:00 05 Sep 25
Five star review for Unconditional Finance here!
Chris and his team have been able to secure two tricky mortgages for us over the last three years. Chris, TJ and Nicole's customer service has been amazing - friendly, supportive, and professional, always. We have been so pleased with their results and service, we have referred them to friends, who have also used Unconditional Finance to secure their loans.
Thank you guys, keep up the great service!
Kirsten Watkins
01:00 05 Sep 25
Five star review for Unconditional Finance here!
Chris and his team have been able to secure two tricky mortgages for us over the last three years. Chris, TJ and Nicole's customer service has been amazing - friendly, supportive, and professional, always. We have been so pleased with their results and service, we have referred them to friends, who have also used Unconditional Finance to secure their loans.
Thank you guys, keep up the great service!
Atil Pekin
22:25 03 Jul 25
I had a fantastic experience working with my broker at Unconditional Finance. From start to finish, the service was professional, prompt, and tailored to my needs. They took the time to clearly explain every step of the process and made what can often be a stressful experience feel smooth and manageable.

What stood out most was their commitment to finding the best solution for my situation. Communication was always timely and transparent, and I felt genuinely supported throughout. It’s clear they prioritize their clients’ best interests, and their expertise made all the difference.

I wouldn’t hesitate to recommend Unconditional Finance to anyone looking for reliable, knowledgeable, and friendly financial service. Thank you again for Chris and the team for your outstanding support!
Atil Pekin
22:25 03 Jul 25
I had a fantastic experience working with my broker at Unconditional Finance. From start to finish, the service was professional, prompt, and tailored to my needs. They took the time to clearly explain every step of the process and made what can often be a stressful experience feel smooth and manageable.

What stood out most was their commitment to finding the best solution for my situation. Communication was always timely and transparent, and I felt genuinely supported throughout. It’s clear they prioritize their clients’ best interests, and their expertise made all the difference.

I wouldn’t hesitate to recommend Unconditional Finance to anyone looking for reliable, knowledgeable, and friendly financial service. Thank you again for Chris and the team for your outstanding support!
Matt Murray
03:09 17 Apr 25
Great team. Very friendly and helpful.
Matt Murray
03:09 17 Apr 25
Great team. Very friendly and helpful.
Liam Chambers
22:23 15 Apr 25
Chris and Ivan recently helped me refinance my entire portfolio which is beginning to become a complex task, with new trust set ups and properties in my personal name becoming involved, they were all over it and helped me every step of the way structuring it so that I could continue to build out my portfolio
Cheers legends can’t wait to work with you guys again soon!
Liam Chambers
22:23 15 Apr 25
Chris and Ivan recently helped me refinance my entire portfolio which is beginning to become a complex task, with new trust set ups and properties in my personal name becoming involved, they were all over it and helped me every step of the way structuring it so that I could continue to build out my portfolio
Cheers legends can’t wait to work with you guys again soon!
Richmond Gonzales
00:30 11 Apr 25
When I was buying a new property to live in, I encountered a problem in securing a home loan after I signed the contract of sale with a tight settlement period of only 45 days, I contacted so many financial and mortgage broker that I could find to help me secure a loan quickly. But only Chris Raymond of Unconditional Finanance had given me a sound solution and helped me refinanced my apartment, secure the maximum equity I can get, and use it to pay off the new property. Chris with his team worked hard and very quick, so I could beat in record time, the settlement deadline. Chris and his team were also very professional, reliable and responsive throughout the entire process. I will definitely recommend Unconditional Finance to others that might need a fnance or mortgage broker. More power to Unconditional Finance!
Richmond Gonzales
00:30 11 Apr 25
When I was buying a new property to live in, I encountered a problem in securing a home loan after I signed the contract of sale with a tight settlement period of only 45 days, I contacted so many financial and mortgage broker that I could find to help me secure a loan quickly. But only Chris Raymond of Unconditional Finanance had given me a sound solution and helped me refinanced my apartment, secure the maximum equity I can get, and use it to pay off the new property. Chris with his team worked hard and very quick, so I could beat in record time, the settlement deadline. Chris and his team were also very professional, reliable and responsive throughout the entire process. I will definitely recommend Unconditional Finance to others that might need a fnance or mortgage broker. More power to Unconditional Finance!
Christiaan M Van Den Heever
22:44 08 Apr 25
Christiaan M Van Den Heever
22:44 08 Apr 25
Megan Smith
21:19 04 Apr 25
Joel, TJ, Nicole & the team at Unconditional Finance has made my refinancing and subsequent investment property purchase seamless. The prompt response to any questions was reassuring as was the professional way any concerns were met. My family and I have put our trust in the team at Unconditional Finance more than once now and are very happy with the results.
Megan Smith
21:19 04 Apr 25
Joel, TJ, Nicole & the team at Unconditional Finance has made my refinancing and subsequent investment property purchase seamless. The prompt response to any questions was reassuring as was the professional way any concerns were met. My family and I have put our trust in the team at Unconditional Finance more than once now and are very happy with the results.
Fabian Farley
05:26 04 Apr 25
Working with Chris and Ivan for second time was an easy experience there true professionals who get the job done fast and efficiently, answering any questions I had along the way taking all the stress out of it The team have been able to secure a loan through my smsf. Highly recommend to anybody wanting to secure any type of loan and advice once again thanks to whole team
Fabian Farley
05:26 04 Apr 25
Working with Chris and Ivan for second time was an easy experience there true professionals who get the job done fast and efficiently, answering any questions I had along the way taking all the stress out of it The team have been able to secure a loan through my smsf. Highly recommend to anybody wanting to secure any type of loan and advice once again thanks to whole team
Alex Bartolo
01:51 04 Apr 25
I couldn't be happier with the support and service delivered by Joel Cross and his team.

Look no further if you are looking for a mortgage broker which provides the following:

Prompt with replying to correspondence.
Make a complex process straight forward
Speak in lay terms as opposed to finance jargon
Provide prompt solutions and intervention when encountering hurdles.

All in all, a fantastic experience and I recommend to anyone who is going through the often-daunting process of choosing a mortgage.
Alex Bartolo
01:51 04 Apr 25
I couldn't be happier with the support and service delivered by Joel Cross and his team.

Look no further if you are looking for a mortgage broker which provides the following:

Prompt with replying to correspondence.
Make a complex process straight forward
Speak in lay terms as opposed to finance jargon
Provide prompt solutions and intervention when encountering hurdles.

All in all, a fantastic experience and I recommend to anyone who is going through the often-daunting process of choosing a mortgage.
Simone
01:23 04 Apr 25
I had another fantastic experience working with
Chris and his team at Unconditional Finance.
Chris is incredibly knowledgeable, responsive and dedicated
to finding the best mortgage options for me. Unconditional
Finance has made my investment journey possible. The entire process always run smoothly and stress free. I wholeheartedly recommend Chris and all of the Unconditional Finance team to anyone looking for a reliable and trustworthy mortgage broker. As always a big thank you to Chris , Will ,Max ,Donna and Stephanie.
Simone
01:23 04 Apr 25
I had another fantastic experience working with
Chris and his team at Unconditional Finance.
Chris is incredibly knowledgeable, responsive and dedicated
to finding the best mortgage options for me. Unconditional
Finance has made my investment journey possible. The entire process always run smoothly and stress free. I wholeheartedly recommend Chris and all of the Unconditional Finance team to anyone looking for a reliable and trustworthy mortgage broker. As always a big thank you to Chris , Will ,Max ,Donna and Stephanie.
Keiran Sinnan
00:49 04 Apr 25
Chris and Tylor from Unconditional Finance were nothing short of impeccable with their services, efforts and diligent communication throughout the process of securing our loan. As this was our first home the process was overwhelming, but Chris and his team provided unwavering support and guidance from end to end. They secured us an excellent option for finance and also made sure we were satisfied and comfortable at every stage in the process. Highly recommend Chris and his team!!
Keiran Sinnan
00:49 04 Apr 25
Chris and Tylor from Unconditional Finance were nothing short of impeccable with their services, efforts and diligent communication throughout the process of securing our loan. As this was our first home the process was overwhelming, but Chris and his team provided unwavering support and guidance from end to end. They secured us an excellent option for finance and also made sure we were satisfied and comfortable at every stage in the process. Highly recommend Chris and his team!!
joshua o'toole
07:06 03 Apr 25
Unconditional finance and their team were great. Made the process easy to understand and to follow.
joshua o'toole
07:06 03 Apr 25
Unconditional finance and their team were great. Made the process easy to understand and to follow.
Hasan Bhuiyan
02:34 03 Apr 25
Hasan Bhuiyan
02:34 03 Apr 25
Casey Turner
02:22 03 Apr 25
Joel and the team are amazing !
Wouldn’t go anywhere else
Casey Turner
02:22 03 Apr 25
Joel and the team are amazing !
Wouldn’t go anywhere else
M Suhail Tahir
06:30 23 Mar 25
Review for Tylor – Exceptional Broker!

I had an outstanding experience with Tylor—he truly went above and beyond to make the entire process seamless. From launching my application to handling all bank communications, he took full responsibility and made everything effortless for me. His excellent communication, fast response, and get-things-done attitude set him apart. Super energetic and always on my side, I knew I could trust him completely.

Unlike other brokers in Sydney who left me stranded with no updates, Tylor stepped in, took charge of my case, and got it done. Unconditional Finance wasn’t initially on my radar, but thanks to Tylor, they’ve earned my highest recommendation. If you want a broker who truly delivers, he’s the one to trust!
M Suhail Tahir
06:30 23 Mar 25
Review for Tylor – Exceptional Broker!

I had an outstanding experience with Tylor—he truly went above and beyond to make the entire process seamless. From launching my application to handling all bank communications, he took full responsibility and made everything effortless for me. His excellent communication, fast response, and get-things-done attitude set him apart. Super energetic and always on my side, I knew I could trust him completely.

Unlike other brokers in Sydney who left me stranded with no updates, Tylor stepped in, took charge of my case, and got it done. Unconditional Finance wasn’t initially on my radar, but thanks to Tylor, they’ve earned my highest recommendation. If you want a broker who truly delivers, he’s the one to trust!
Andrew O'Brien
01:06 18 Mar 25
Joel @ Unconditional Finance is awesome. Found the perfect mortgage package and was super helpful and always available whenever anything came up during settlement!
Andrew O'Brien
01:06 18 Mar 25
Joel @ Unconditional Finance is awesome. Found the perfect mortgage package and was super helpful and always available whenever anything came up during settlement!
Pharrah Underwood
22:43 24 Feb 25
Chris, Tylor and the team at Unconditional Finance have been so great to work with. They are fantastic with communication and updated us along the journey. They are always happy to answer any 'silly' questions I may have had. I really feel they want us to succeed in our investing journey and have our best interests at heart. I highly recommend this Broker company.
Pharrah Underwood
22:43 24 Feb 25
Chris, Tylor and the team at Unconditional Finance have been so great to work with. They are fantastic with communication and updated us along the journey. They are always happy to answer any 'silly' questions I may have had. I really feel they want us to succeed in our investing journey and have our best interests at heart. I highly recommend this Broker company.
Kelly West
07:49 18 Feb 25
The team at Unconditional Finance have been amazing, they've helped us investigate our options and land on the best way forward.
Whenever we had any questions (and we had many) they were ready and waiting with answers.
Unconditional Finance made the whole borrowing process much simpler.
Kelly West
07:49 18 Feb 25
The team at Unconditional Finance have been amazing, they've helped us investigate our options and land on the best way forward.
Whenever we had any questions (and we had many) they were ready and waiting with answers.
Unconditional Finance made the whole borrowing process much simpler.
Taylor Rainey
00:29 14 Feb 25
Taylor Rainey
00:29 14 Feb 25
Steve Clarke
22:03 13 Feb 25
I have had Joel and his team help us with our first property build, and I have been so impressed with their knowledge, service and communication. We have had some curve balls thrown at us, but throughout the process they simply got on with the job and we have had a better outcome that I thought we would.
Steve Clarke
22:03 13 Feb 25
I have had Joel and his team help us with our first property build, and I have been so impressed with their knowledge, service and communication. We have had some curve balls thrown at us, but throughout the process they simply got on with the job and we have had a better outcome that I thought we would.
Tui-Terina
21:09 13 Feb 25
Chris Raymond went over and beyond to get us financed for our first Investment property. Even being self employed and already having a home on mortgage he got the job done. I would definitely recommend him and his services. Tui Martin Brisbane
Tui-Terina
21:09 13 Feb 25
Chris Raymond went over and beyond to get us financed for our first Investment property. Even being self employed and already having a home on mortgage he got the job done. I would definitely recommend him and his services. Tui Martin Brisbane
Levon & Andrea Wilson
11:31 11 Feb 25
My husband and I used Unconditional Finance for the purchase of our first investment Property. They performed above and beyond our expectations. They were so helpful, answered all our questions and helped us through the process. We highly recommend the Unconditional Finance team. We will be using them again. Thank you team!
Levon & Andrea Wilson
11:31 11 Feb 25
My husband and I used Unconditional Finance for the purchase of our first investment Property. They performed above and beyond our expectations. They were so helpful, answered all our questions and helped us through the process. We highly recommend the Unconditional Finance team. We will be using them again. Thank you team!
Kylie Leahy
23:38 08 Feb 25
We couldn’t be more impressed with the outstanding service provided by Chris and the team at unconditional Finance! This is our second time working with them, and once again, they went above and beyond to make the process smooth and stress free. Their communication was excellent, every question we had was answered quickly and thoroughly. They were always helpful, professional, and truly had our best interests at heart. We highly recommend Unconditional Finance to anyone looking for expert guidance and exceptional service.
Kylie Leahy
23:38 08 Feb 25
We couldn’t be more impressed with the outstanding service provided by Chris and the team at unconditional Finance! This is our second time working with them, and once again, they went above and beyond to make the process smooth and stress free. Their communication was excellent, every question we had was answered quickly and thoroughly. They were always helpful, professional, and truly had our best interests at heart. We highly recommend Unconditional Finance to anyone looking for expert guidance and exceptional service.
Sarah Whiting
22:56 01 Feb 25
We had a great experience with the team at Unconditional Finance, they were always available to ask questions and hold our hand through the process! Would highly recommend!
Sarah Whiting
22:56 01 Feb 25
We had a great experience with the team at Unconditional Finance, they were always available to ask questions and hold our hand through the process! Would highly recommend!
Anthony Tedesco
05:01 01 Feb 25
Thanks to the team for their professional advice and guidance during my recent property purchase. Will thoroughly explained the different borrowing scenarios and Donna was very helpful during settlement particularly when it fell over the Christmas period.

Would highly recommend Unconditional Finance!
Anthony Tedesco
05:01 01 Feb 25
Thanks to the team for their professional advice and guidance during my recent property purchase. Will thoroughly explained the different borrowing scenarios and Donna was very helpful during settlement particularly when it fell over the Christmas period.

Would highly recommend Unconditional Finance!
Alexandra Hayes
05:03 31 Jan 25
Really appreciate it
Alexandra Hayes
05:03 31 Jan 25
Really appreciate it
Josh w
21:45 30 Jan 25
Nothing but the best service from Chris and his team. Dealing with Reece was a pleasure, lots of guidance from the get go and life a breeze

Would highly recommend Unconditional Finance
Josh w
21:45 30 Jan 25
Nothing but the best service from Chris and his team. Dealing with Reece was a pleasure, lots of guidance from the get go and life a breeze

Would highly recommend Unconditional Finance
Brian Foody
04:11 28 Jan 25
So glad we connected with the team at Unconditional. Chris, Ivan and Nicole helped guide us through the process of refinancing our existing mortgage and securing a new one which felt intimidating but they made it a breeze. Thanks team!
Brian Foody
04:11 28 Jan 25
So glad we connected with the team at Unconditional. Chris, Ivan and Nicole helped guide us through the process of refinancing our existing mortgage and securing a new one which felt intimidating but they made it a breeze. Thanks team!
J H
03:44 18 Jan 25
Chris and the team at Unconditional have been absolutely fantastic with us and have made what could have been a stressful process very straightforward.
We don't hesitate to recommend Chris as a broker- he is an amazing broker and we won't go anywhere else.
Thank you for all you've done for us Chris, we appreciate you immensely.
Jess and Rhys.
J H
03:44 18 Jan 25
Chris and the team at Unconditional have been absolutely fantastic with us and have made what could have been a stressful process very straightforward.
We don't hesitate to recommend Chris as a broker- he is an amazing broker and we won't go anywhere else.
Thank you for all you've done for us Chris, we appreciate you immensely.
Jess and Rhys.
Joshua Kelly
00:43 31 Dec 24
Chris and the team did an amazing job with our refinance and a strategy moving forward. They have helped us to streamline all our loans to the 1 bank which makes managing the various properties much simpler. The team are investors themselves and that showed in how they recommended the loans were structured etc.

Highly recommend!
Joshua Kelly
00:43 31 Dec 24
Chris and the team did an amazing job with our refinance and a strategy moving forward. They have helped us to streamline all our loans to the 1 bank which makes managing the various properties much simpler. The team are investors themselves and that showed in how they recommended the loans were structured etc.

Highly recommend!
Katie Nicolas
19:42 23 Dec 24
We recently took our finances to the team at Unconditional and couldn't be happier. The process was smooth and so easy as they did all the work for us. It was also super speedy. I highly recommend Chris, Reece, Nicole and the whole team!
Katie Nicolas
19:42 23 Dec 24
We recently took our finances to the team at Unconditional and couldn't be happier. The process was smooth and so easy as they did all the work for us. It was also super speedy. I highly recommend Chris, Reece, Nicole and the whole team!
Verity
01:11 22 Nov 24
⭐️⭐️⭐️⭐️⭐️ Outstanding Service for First-Time Investor!

As a first-time property investor, I had countless questions and a lot of nerves going into the process, but Chris and his team made everything seamless. From the moment I reached out, they were incredibly responsive, patient, and knowledgeable.
They guided me step-by-step, ensuring I understood every part of securing financing, managing costs, and their attention to detail and clear communication gave me so much confidence, and I never felt rushed or overwhelmed.
I can’t recommend them enough to anyone looking to start or grow their property portfolio.
Thank you Chris and team!
Verity
01:11 22 Nov 24
⭐️⭐️⭐️⭐️⭐️ Outstanding Service for First-Time Investor!

As a first-time property investor, I had countless questions and a lot of nerves going into the process, but Chris and his team made everything seamless. From the moment I reached out, they were incredibly responsive, patient, and knowledgeable.
They guided me step-by-step, ensuring I understood every part of securing financing, managing costs, and their attention to detail and clear communication gave me so much confidence, and I never felt rushed or overwhelmed.
I can’t recommend them enough to anyone looking to start or grow their property portfolio.
Thank you Chris and team!
Ibrahim Khatib
09:08 28 Oct 24
I can't recommend Chris and his team at Unconditional Finance enough! Their professionalism and expertise were invaluable during my home purchase process. From the very beginning, they provided clear guidance and support, making everything so much easier for me. Chris took the time to answer all my questions and ensured I understood every step of the process. I truly felt supported throughout. If you're looking for a reliable and knowledgeable finance team, look no further than Chris and his crew!
Ibrahim Khatib
09:08 28 Oct 24
I can't recommend Chris and his team at Unconditional Finance enough! Their professionalism and expertise were invaluable during my home purchase process. From the very beginning, they provided clear guidance and support, making everything so much easier for me. Chris took the time to answer all my questions and ensured I understood every step of the process. I truly felt supported throughout. If you're looking for a reliable and knowledgeable finance team, look no further than Chris and his crew!
Jodie Giraudo
00:39 07 Oct 24
Fast, exceptional service and a great value for money home loan. The team provided an awesome solution and communicated with me every step of the way.
Jodie Giraudo
00:39 07 Oct 24
Fast, exceptional service and a great value for money home loan. The team provided an awesome solution and communicated with me every step of the way.
Brodie Wicks
21:18 06 Oct 24
Financial services made easy, very knowledgeable and nothing was an issue. Definitely using Unconditional Finance again.
Brodie Wicks
21:18 06 Oct 24
Financial services made easy, very knowledgeable and nothing was an issue. Definitely using Unconditional Finance again.
Charles Toohey
00:45 01 Oct 24
Joel and Nicole made light work of getting my house finance sorted.
Charles Toohey
00:45 01 Oct 24
Joel and Nicole made light work of getting my house finance sorted.
Jared Brown
08:00 25 Sep 24
Chris and the team have been amazing thank you so much for all your help! Ill be using you guys for the next purchase also legends
Jared Brown
08:00 25 Sep 24
Chris and the team have been amazing thank you so much for all your help! Ill be using you guys for the next purchase also legends
Tiana Conlon
01:27 25 Sep 24
Recently just bought our first house and Chris, Ryan and Nicole and everyone at Unconditional finance went above and beyond to help make it happen. They were fantastic from start to finish and still continue to help us if needed. Highly recommending to everyone I know. Keep up the great work legends! 🙌
Tiana Conlon
01:27 25 Sep 24
Recently just bought our first house and Chris, Ryan and Nicole and everyone at Unconditional finance went above and beyond to help make it happen. They were fantastic from start to finish and still continue to help us if needed. Highly recommending to everyone I know. Keep up the great work legends! 🙌
Neil Missingham
08:32 09 Sep 24
Joel, Ivan and Nicole are absolutely the most trustworthy and committed team I have had the fortune of working with and recommend unconditional finance whole heartedly over any where else.

In addition, they also made recommendations for their partners in other areas that have also been instrumental in us owning our own home. I must encourage anyone who is unsure of where to start their homeowner journey to start with unconditional and they will absolutely steer you in the right direction with who to get connected with to make the who process much more enjoyable.

Cheers
Neil Missingham
08:32 09 Sep 24
Joel, Ivan and Nicole are absolutely the most trustworthy and committed team I have had the fortune of working with and recommend unconditional finance whole heartedly over any where else.

In addition, they also made recommendations for their partners in other areas that have also been instrumental in us owning our own home. I must encourage anyone who is unsure of where to start their homeowner journey to start with unconditional and they will absolutely steer you in the right direction with who to get connected with to make the who process much more enjoyable.

Cheers
Jessica Fell
02:20 30 Aug 24
I cannot recommend Chris and Renee enough. They were both absolutely incredible to deal with for my first property purchase. They were so supportive, extremely responsive and very knowledgeable and patient in answering any questions I had. The process felt a lot smoother and stress free having them on my team.
Jessica Fell
02:20 30 Aug 24
I cannot recommend Chris and Renee enough. They were both absolutely incredible to deal with for my first property purchase. They were so supportive, extremely responsive and very knowledgeable and patient in answering any questions I had. The process felt a lot smoother and stress free having them on my team.
Waldemar Francisco Mapua
11:24 18 Jul 24
We have made the best choice in going with Chris and the Unconditional Finance Team for our first property purchase. They were there every step of the way to answer our questions and made sure we got the best deal possible. They were referred to us by a really good friend and we will definitely recommend them to all our friends and to anyone looking to purchase a property. Very professional and dealing with them was a breeze. Huge thanks again to the team for helping us become first time property owners.
Waldemar Francisco Mapua
11:24 18 Jul 24
We have made the best choice in going with Chris and the Unconditional Finance Team for our first property purchase. They were there every step of the way to answer our questions and made sure we got the best deal possible. They were referred to us by a really good friend and we will definitely recommend them to all our friends and to anyone looking to purchase a property. Very professional and dealing with them was a breeze. Huge thanks again to the team for helping us become first time property owners.
Shari Zimmerman
23:21 15 Jul 24
Unconditional Finance team have been amazing. I have been conversing with Joel, Nicole and Will and I highly recommend them. They stepped me through my finance and refinance accounts in detail and notified me at every stage so I did not have to worry or stress. Very friendly, understanding and down to earth team.
Shari Zimmerman
23:21 15 Jul 24
Unconditional Finance team have been amazing. I have been conversing with Joel, Nicole and Will and I highly recommend them. They stepped me through my finance and refinance accounts in detail and notified me at every stage so I did not have to worry or stress. Very friendly, understanding and down to earth team.
Ricky Juzuf
22:55 10 Jul 24
Chris Raymond and his team has been a tremendous in securing a finance for me and my wife. It was pretty complex, however, they made it so smooth for us and essentially holding our hands through it all. Much appreciated guys. I'll be in touch in the near future.
Ricky Juzuf
22:55 10 Jul 24
Chris Raymond and his team has been a tremendous in securing a finance for me and my wife. It was pretty complex, however, they made it so smooth for us and essentially holding our hands through it all. Much appreciated guys. I'll be in touch in the near future.
Kathryn Bourke
01:57 09 Jul 24
Our experience with the team at Unconditional finance was exceptional: from first contact with Chris, excellent communication with Will throughout the loan application , and followup by Stephanie, who sorted all details of the loan setup once we had unconditional approval by the bank. We found them all friendly and available to answer all our questions.
Thanks team!
Kathryn Bourke
01:57 09 Jul 24
Our experience with the team at Unconditional finance was exceptional: from first contact with Chris, excellent communication with Will throughout the loan application , and followup by Stephanie, who sorted all details of the loan setup once we had unconditional approval by the bank. We found them all friendly and available to answer all our questions.
Thanks team!
Michael Lyon
23:24 04 Jul 24
Appreciate Chris and the team's great service. Really knowledgable and helpful through the full process.
Michael Lyon
23:24 04 Jul 24
Appreciate Chris and the team's great service. Really knowledgable and helpful through the full process.
dandiesel27
09:13 04 Jul 24
dandiesel27
09:13 04 Jul 24
Joseph Matchado
03:36 03 Jul 24
With my very first investment property just settled, I am so happy that I had Chris, Ryan and the team making it a reality.
From the inception of my plan to invest, all the way till settlement, they had 100% skin in the game, helping me navigate through the process of refinancing and securing the required loans in the right structure. And not forgetting their patience in guiding me through those silly doubts & confusion I might have had at (most) times.
I can't recommend Unconditional Finance highly enough, to help anyone out there to achieve the dream of their first home or investing in property.
Thank you so much Chris and team!!!!
Joseph Matchado
03:36 03 Jul 24
With my very first investment property just settled, I am so happy that I had Chris, Ryan and the team making it a reality.
From the inception of my plan to invest, all the way till settlement, they had 100% skin in the game, helping me navigate through the process of refinancing and securing the required loans in the right structure. And not forgetting their patience in guiding me through those silly doubts & confusion I might have had at (most) times.
I can't recommend Unconditional Finance highly enough, to help anyone out there to achieve the dream of their first home or investing in property.
Thank you so much Chris and team!!!!
Mitch Kimber
02:24 11 Jun 24
Very personable brokers, I've felt engaged at every step of the process and the team is excellent with response times to any of the questions and queries I've had.
The outcome so far has been fantastic, they have tailored packages that are very suitable to myself and how I like to engage with lenders.
Would recommend and I will use them again.
Mitch Kimber
02:24 11 Jun 24
Very personable brokers, I've felt engaged at every step of the process and the team is excellent with response times to any of the questions and queries I've had.
The outcome so far has been fantastic, they have tailored packages that are very suitable to myself and how I like to engage with lenders.
Would recommend and I will use them again.
Jess McLean
01:52 31 May 24
Highly recommend Joel and Ivan at unconditional finance. We used their services to refinance our existing investment property and secure a loan on a second property. We were guided though the entire process and the communication we received was second to none! Our experience very pleasant! Will definitely be using again in the future!
Jess McLean
01:52 31 May 24
Highly recommend Joel and Ivan at unconditional finance. We used their services to refinance our existing investment property and secure a loan on a second property. We were guided though the entire process and the communication we received was second to none! Our experience very pleasant! Will definitely be using again in the future!
Korryn Campbell
05:25 29 May 24
Chris, Ivan and Jade....what a power team. They have guided us though the whole process of our investment loan and could not recommend them enough. Truly an amazing team. Thanks so much team 🙂
Korryn Campbell
05:25 29 May 24
Chris, Ivan and Jade....what a power team. They have guided us though the whole process of our investment loan and could not recommend them enough. Truly an amazing team. Thanks so much team 🙂
Andrew Seck
12:21 25 May 24
Nicole, Chris and Renee at Unconditional Finance have been absolutely outstanding.

They've supported us every step of the way, and have always available when we've had a question or needed assistance. Nothing was too much trouble. The other thing that was reassuring, was how seamlessly the team worked with our other stakeholders.

We couldn't recommend Unconditional Finance highly enough.
Andrew Seck
12:21 25 May 24
Nicole, Chris and Renee at Unconditional Finance have been absolutely outstanding.

They've supported us every step of the way, and have always available when we've had a question or needed assistance. Nothing was too much trouble. The other thing that was reassuring, was how seamlessly the team worked with our other stakeholders.

We couldn't recommend Unconditional Finance highly enough.
Jordy Alexander
11:45 20 May 24
We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services provided by Chris Raymond and his team (we never met them in person as we both live in Melbourne and they operate from Sydney office). From the outset, they have been incredibly attentive and dedicated to finding the best solutions for my mortgages (owner occupied and investment properties) and financial needs.

Chris and his team are not only highly knowledgeable and experienced in their field but also approachable and professional in their interactions. Their commitment to delivering top-notch service and personalised financial solutions is truly commendable.

We highly recommend Unconditional Finance to anyone in need of expert financial advice and support. Their outstanding services have consistently exceeded my expectations, and we are grateful for their ongoing assistance in securing our financial future.

Sincerely,

Adolfus and Giovanni
Jordy Alexander
11:45 20 May 24
We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services provided by Chris Raymond and his team (we never met them in person as we both live in Melbourne and they operate from Sydney office). From the outset, they have been incredibly attentive and dedicated to finding the best solutions for my mortgages (owner occupied and investment properties) and financial needs.

Chris and his team are not only highly knowledgeable and experienced in their field but also approachable and professional in their interactions. Their commitment to delivering top-notch service and personalised financial solutions is truly commendable.

We highly recommend Unconditional Finance to anyone in need of expert financial advice and support. Their outstanding services have consistently exceeded my expectations, and we are grateful for their ongoing assistance in securing our financial future.

Sincerely,

Adolfus and Giovanni
Asher McGlone
20:30 15 May 24
I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to refinance my home loan. They were incredibly friendly, provided me with lots of options, and always took the time to answer all of my questions.

I highly recommend Unconditional Finance for anyone looking for mortgage assistance. Chris, Mitchell, and Nicole were a pleasure to work with, and I'm grateful for their professionalism and friendliness. If you're searching for a mortgage broker who goes above and beyond, give Unconditional Finance a try—they won't disappoint!
Asher McGlone
20:30 15 May 24
I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to refinance my home loan. They were incredibly friendly, provided me with lots of options, and always took the time to answer all of my questions.

I highly recommend Unconditional Finance for anyone looking for mortgage assistance. Chris, Mitchell, and Nicole were a pleasure to work with, and I'm grateful for their professionalism and friendliness. If you're searching for a mortgage broker who goes above and beyond, give Unconditional Finance a try—they won't disappoint!
Pandji Christian
03:27 10 May 24
Chris Raymond from Unconditional Finance is a consummate professional. Him and his team have made my property purchase and selling much less stressful. Despite having many customers, Chris still finds time to sometimes chat on the phone directly, especially we are not used to the processes. I highly recommend Unconditional Finance for your property financing needs.
Pandji Christian
03:27 10 May 24
Chris Raymond from Unconditional Finance is a consummate professional. Him and his team have made my property purchase and selling much less stressful. Despite having many customers, Chris still finds time to sometimes chat on the phone directly, especially we are not used to the processes. I highly recommend Unconditional Finance for your property financing needs.
Sydney mortgage brokers with clients