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Home Equity Release Loans

We help you with home loan solutions.

Owning a home is more than just having a place to live; it’s a valuable asset that can provide financial flexibility through a home equity loan. At Unconditional Finance, we specialise in helping Australian homeowners tap into their home’s value, offering competitive home equity loans tailored to meet diverse financial needs. Whether you’re planning to renovate, consolidate debt, or invest in new opportunities, our personalised service and expert advice ensure that you make the most of your home’s equity.

What is a Home Equity Loan?

A home equity loan allows you to borrow against the equity you have accumulated in your property. Equity represents the difference between your home’s present market value and the remaining balance on your mortgage. As you reduce your mortgage balance and your property value increases, your equity grows. Home equity loans allow you to access this equity, enabling you to utilise your home’s value for different financial purposes. Home equity loans are unique because they use your home as collateral, often leading to lower interest rates and the potential for higher borrowing limits. They come in two main forms: a lump-sum loan that offers a set amount of money at once, and a home equity line of credit (HELOC) that provides the option to withdraw funds as required up to a specified limit.

Benefits of Home Equity Loans

Flexible Financing Options

One of the most significant benefits of home equity loans is their flexibility. Whether you’re looking to undertake major home improvements, pay for education, or even invest in another property, a home equity loan provides the funds you need with flexible repayment options. This can be especially beneficial if you are collaborating with a property professional to enhance your property’s value or to explore new investment opportunities.

Lower Interest Rates

Home equity loans typically provide lower interest rates than those available with unsecured personal loans or credit cards. Since your home is the security for the loan, lenders view it as less risky and offer more favorable terms. This makes home equity loans an affordable option for significant expenses, allowing you to save on interest costs over time.

Access to Substantial Funds

A home equity loan allows you to obtain a substantial amount of money, depending on the amount of equity you’ve built up in your home. This is especially beneficial for substantial projects or investments that require a significant upfront cost. Whether you’re planning a major renovation, purchasing a second property, or consolidating high-interest debts, a home equity loan can offer the necessary financial support.

Tax Benefits

In some cases, the interest paid on home equity loans may be tax-deductible, particularly if the loan is used for home improvements or investments. It’s essential to consult with a tax advisor to understand how a home equity loan can benefit your specific financial situation and to ensure you’re maximising potential tax advantages.

Increase Home Value

Using a home equity loan for renovations or improvements can enhance your home’s value, providing a double benefit. Not only do you enjoy the immediate improvements, but you also increase the equity in your property, potentially allowing you to borrow more in the future or sell your home for a higher price.

Support for Seniors

Home equity loans can be an excellent financial tool for seniors looking to access the value of their homes for retirement needs. Whether it’s funding home modifications for ageing in place, covering medical expenses, or supplementing retirement income, home equity loans offer a way to utilise the investment in your home effectively.

Avoiding Pitfalls

While home equity loans provide numerous benefits, it’s essential to be mindful of potential risks. Over-borrowing can lead to financial strain, and fluctuating interest rates on HELOCs can result in unpredictable repayment amounts. At Unconditional Finance, we guide you through these considerations, ensuring you make informed decisions that align with your long-term financial goals.

Eligibility for Home Equity Loans

To qualify for a home equity loan, you must meet certain criteria. Below is a summary of the key eligibility factors:

Eligibility Criteria	Details
Sufficient Equity	You should have significant equity in your home, typically allowing you to borrow up to 80% of your home’s appraised value minus your current mortgage.
Credit Score	A higher credit score improves your chances of approval and securing better loan terms. A score above 620 is generally preferred.
Income and Employment	Proof of stable income is required. This can include payslips, tax returns, or additional documentation for self-employed individuals.
Debt-to-Income Ratio	A DTI ratio below 43% is usually expected, showing that your debt levels are manageable in relation to your income.
Property Value and Condition	Your home should be in good condition, with a high market value as determined by a property appraisal.
Existing Mortgage	The current balance of your mortgage will affect your borrowing capacity, with higher equity increasing the amount you can borrow.

For further guidance or a personalised assessment of your eligibility, contact Unconditional Finance. We’re here to help you make the most of your home’s equity.

Home Equity Loans for Seniors

Home equity loans offer a valuable financial tool for seniors, allowing them to access the equity in their homes to support various needs during retirement. This type of loan can supplement retirement income, cover healthcare costs, or finance home modifications to enhance comfort and safety. It provides a way for seniors to utilise their home’s value without selling or downsizing, ensuring they maintain financial flexibility and independence. Seniors can also consider specialised options like reverse mortgages, which allow them to convert home equity into cash without making monthly loan payments. This can provide a steady income stream or fund long-term care needs. However, it’s crucial to understand the terms and implications of this loan to ensure it aligns with overall financial goals and provides the desired security during retirement.

How to Apply for a Home Equity Loan

Applying for a home equity loan is a straightforward process with the right guidance. At Unconditional Finance, we make it easy for Australian homeowners to access their home’s value. Follow these steps to apply for a home equity loan:

1. Evaluate Your Equity

First, determine how much equity you have in your home. You can estimate this by subtracting the outstanding balance of your current mortgage from your home’s current market value. A property appraisal can provide an accurate valuation, ensuring you know exactly how much equity you can tap into.

2. Gather Necessary Documentation

Prepare the required documents to streamline the application process. This typically includes:

Proof of income (e.g., payslips or tax returns)
Recent credit report
Details of your current mortgage
Identification (e.g., driver’s licence or passport)
Documentation of other debts or financial commitments

3. Research Loan Options

Explore different home equity loan products to find the one that best suits your needs. Consider factors such as interest rates, loan terms, and fees. At Unconditional Finance, we offer competitive rates and flexible options tailored to your financial goals.

4. Submit Your Application

Contact Unconditional Finance to start your application. Our team will assist you in completing the necessary forms and gathering any additional information required. We’ll review your application to ensure it meets all the criteria and provide personalised advice to enhance your chances of approval.

5. Await Approval

Once your application is submitted, it will be reviewed by our lending specialists. This process includes a credit check, income verification, and property appraisal. We aim to provide a prompt decision, keeping you informed throughout the process.

6. Finalise Your Loan

Upon approval, you’ll receive the loan documents outlining the terms and conditions. Review these carefully and ask any questions you may have. Once you’re satisfied, sign the documents and return them to us. We’ll then disburse the loan funds, allowing you to utilise your home’s equity for your financial needs.

Frequently Asked Questions

What is a home equity loan?

A home equity loan allows you to borrow against the equity in your home, providing a lump sum of money or a line of credit based on the value of your property minus any existing mortgage.

How is home equity calculated?

Home equity is determined by subtracting your mortgage balance from your home’s present market value. For example, if your home is worth $600,000 and you owe $200,000 on your mortgage, your equity is $400,000.

What can I use a home equity loan for?

You can use this loan for different purposes, including home improvements, debt consolidation, education expenses, emergency costs, or even investing in another property.

What are the interest rates on home equity loans?

Interest rates on home equity loans are usually lower than those on unsecured loans since they are backed by your property. The rates can fluctuate depending on the lender, the type of loan, and your creditworthiness.

Are there risks involved with home equity loans?

If one partner has previously owned or bought property in Australia and lived in it, it may have an impact on your first-time buyer status when you make a joint application for a mortgage. If they did not live in the property as their primary residence, you may still be eligible for the first home buyers grant in Sydney. Please contact us for more information.

Can seniors apply for home equity loans?

Yes, seniors can apply for home equity loans. These loans offer a means to obtain funds for retirement costs, healthcare needs, or home improvements. Seniors might also consider reverse mortgages as an alternative option.

How long does it take to get a home equity loan?

The home equity loan approval process can take a few weeks, depending on the complexity of your financial situation and the lender. At Unconditional Finance, we strive to provide timely decisions and keep you informed throughout the process.

Can I use a home equity loan to buy another property?

Yes, using a home equity loan to finance the purchase of another property is a common and effective strategy. This allows you to leverage your current home’s value to invest in additional real estate without needing a large cash deposit.

Who is the best for home equity loans?

The ideal provider for home equity loans depends on your unique needs and financial situation. Unconditional Finance provides competitive rates and personalised services to secure the most favourable deal tailored to your circumstances. We suggest comparing different lenders to identify the best option for your requirements.

How much equity can I borrow from my home in Australia?

In Australia, you can generally borrow up to 80% of your home’s appraised value, minus the balance of your existing mortgage. For instance, if your home is worth $500,000 and you have an outstanding mortgage of $200,000, you may be eligible to borrow up to $200,000.

Do mortgage brokers charge a fee?

Mortgage brokers might charge for their services, but the fee structure can differ. Some brokers earn a commission from the lender, while others may bill the borrower directly. At Unconditional Finance, we offer clear and upfront details about any fees associated with obtaining a home equity loan.

Can a mortgage broker get me a HELOC?

Yes, they can help you secure a Home Equity Line of Credit (HELOC). They can provide access to various lenders and help you find the best HELOC options that suit your financial needs and goals.

Which banks are doing home equity loans?

Many Australian banks offer home equity loans, including major banks like Commonwealth Bank, ANZ, Westpac, and NAB, as well as smaller lenders and credit unions. Each lender offers different terms and conditions, so it’s important to compare options to find the best deal.

Contact Us Today!

If you’re ready to explore your options with home equity loans or have questions about how to best utilise your home’s value, contact Unconditional Finance today. Our team of experienced mortgage brokers in Sydney and Melbourne is here to provide personalised advice and support tailored to your financial goals.

We Simplify Equity Release

At Unconditional Finance, our mortgage brokers specialise in securing equity loans, making your dream home improvement projects a reality by leveraging the equity in your property. Recognising the unique challenges of renovations, we’ve streamlined our approach to keep the process as simple as possible, guiding you through each step with clarity and confidence.

Transforming your living space doesn’t have to be daunting. Many Australians have successfully renovated their homes using equity loans. So, why not you?

EEAT Components — Unconditional Finance

$4.6B+

In Settled Loans

2,000+

Sydney Clients

60+

Bank & Lender Partners

100+

Years Combined Experience

5.0 ★

Google Rating (400+ Reviews)

Trusted by Sydney Homeowners

5.0 rating from 400+ verified Google reviews

Unconditional Finance | Best Mortgage Brokers in Sydney

5.0

Based on 408 reviews

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Jamie Sadler

02:08 27 Jan 26

Chris and the team were fantastic to deal with after being reffered to them for our investment property purchase. They made everything really easy and were very prompt with communication for requirements and updates as well as ensuring the settlement went smoothly, would highly recommend this company for your brokerage needs. Thanks Chris and Team, see you again soon for the next one 😉

Sam

04:02 23 Dec 25

Dealt with Chris, Donna and Reece and had a great experience. Made life super easy getting finance and sorting out all the paperwork online with the best rate recommend for an investment property.
I do highly recommended the team and will be back.

Thanks Sam

Joshua Jackson

03:37 21 Dec 25

Unconditional Finance has been instrumental in helping me build and manage my property portfolio. At last count, they’ve assisted me in settling 15 loans across a mix of mortgages and equity releases, and the consistency of their service has been outstanding.

Before partnering with Unconditional Finance, I worked with five other brokers. I knew there had to be a broker out there who could genuinely understand complex structures, think strategically, and support broader long-term financial goals — and Unconditional Finance has absolutely delivered.

Chris is a true industry leader and clearly at the top of his game. His depth of knowledge, strategic thinking, and ability to navigate complex lending scenarios sets him apart. Special thanks also go to Will and Nicole, who have been fantastic since we partnered with Unconditional Finance — although the entire team has been exceptional in all my dealings. Their responsiveness, attention to detail, and ongoing support make the entire process seamless.

Janet Pham

22:02 18 Dec 25

TJ and Nicole were absolutely incredible throughout my finance application. From the very start, they made what could have been a stressful and overwhelming process feel smooth, clear, and genuinely easy.
Their communication was outstanding — I always knew exactly where things were at, what was needed from me, and what the next steps were. They were proactive, thorough, and clearly had my best interests at the centre of every recommendation.
What really stood out was how personal the service felt. TJ and Nicole took the time to understand my situation, explained everything in plain English, and were always available to answer questions (no matter how small). I felt completely supported and confident the entire way through.
I couldn’t recommend them highly enough and wouldn’t hesitate to use them again or refer friends and family. Thank you both for such an exceptional experience.

Kirsty Hudson

22:59 15 Dec 25

I have been working with Unconditional Finance for several years and can't recommend them highly enough. All interactions have been fantastic. Their knowledge is fantastic and they have worked some magic for me when needed. Looking forward to continuing to work with them in the future.

Jo Polles

02:58 15 Dec 25

We had a great experience with Unconditional Finance. Will was professional, responsive, and explained everything clearly throughout the process. He made what could have been a stressful experience feel straightforward and well-managed. We felt well supported at every step and wouldn’t hesitate to recommend Will and the team at Unconditional Finance.

Cyril Sansano

00:27 15 Dec 25

Will & UF team went above and beyond at every step, especially when everything needed to move fast. Will's communication was outstanding — always proactive, always clear, and always available by SMS or email whenever I needed answers. Even when the banks made things more difficult than usual, Will stayed on top of it all and got the deal done. I honestly can’t recommend him highly enough — without a doubt one of the best mortgage brokers I’ve worked with over the years.

Chris Williams

22:04 10 Dec 25

Joel, Nicole and the team at Unconditional finance were a pleasure to deal with, they explained everything in simple terms, no problem was too much to deal with. They made the whole process a smooth, stress free experience, would recommend their services.

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!

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!

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 🙂

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.

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

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!

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.

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!

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.

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.

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!!

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

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!

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.

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

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

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.

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!

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

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.

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!

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!

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.

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

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

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.

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.

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.

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!!!!

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!

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.

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!

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.

Our People

Meet Our Award-Winning Mortgage Brokers

Experienced professionals delivering strategic lending advice, seamless execution, and long-term financial confidence.

About Our Team

Chris Raymond

Principal Finance Broker

18 Years in the Industry

Founder and multi-award-winning broker specialising in strategic loan structuring for long-term portfolio growth. #1 SFG Top 50 Loan Writer and 2025 Broker of the Year.

Credit Representative (486040) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Chris

Joel Cross

Senior Mortgage Broker

7 Years in the Industry

Portfolio-focused broker helping clients build repeatable, strategic property investment success. Ranked #23 Top 50 Loan Writer with SFG.

Credit Representative (558056) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Joel

Stephanie Coleman

Operations Manager

16 Years in the Industry

Highly organised finance professional ensuring smooth, efficient progress from submission to settlement. Nominated for Best Administrator by SFG.

Credit Representative (455589) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Stephanie

William Pengly

Credit Analyst / Broker

15 Years in the Industry

Former banker with deep lender process expertise, crafting strong applications for consistently smooth approvals.

Credit Representative (549331) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet William

Thien (TJ) McCarthy

Credit Analyst

8 Years in the Industry

Strategic analyst with strong banking and broking experience, supporting confident investment decisions.

Meet TJ

Reece Gerungan

Credit Analyst

5 Years in the Industry

Detail-driven analyst focused on compliance, clarity, and client-first lending support.

Meet Reece

Nicole Mlinaric

Settlements Specialist

17 Years in the Industry

Settlement expert known for friendly communication and delivering smooth, stress-free completions.

Meet Nicole

Proven. Strategic. Results-Driven.

Why Australian Borrowers Choose Unconditional Finance

We don't just "compare rates." We structure loans correctly from day one — improving approval strength, borrowing power, and long-term flexibility.

We Architect Loans — We Don't Just Arrange Them

Strategic structuring designed to protect, optimise, and grow your wealth — not just secure approval.

Structured for Approval — Not Guesswork

We match lender policy before price. Cleaner submissions, fewer conditions, and stronger outcomes — even for complex income, trusts, SMSF and multi-property portfolios.

Led by a #1 Ranked Loan Writer

Founded by Chris Raymond — multi-year Top 100 broker and 2025 Broker of the Year. Nationally recognised performance, not theory.

Fast, Controlled Execution

Most pre-approvals within 2 business days (case dependent). We manage documentation, lender communication, and settlement end-to-end.

60+ Lenders. Zero Favourites.

Major banks + specialist lenders. We choose based on policy fit and structure — not convenience or habit.

Support Beyond Settlement

Your loan is reviewed regularly (often every 6 months where eligible) to keep pricing competitive and structure aligned with your long-term goals.

Experience That Protects You

Licensed since 2017, we've navigated rate cycles, APRA changes, and shifting markets — structuring loans built to stand the test of time.

Free Service: No Broker Fees

Our service is completely free to you. We're paid by the lender after settlement — expert strategy and ongoing support at zero out-of-pocket cost.

Structured for Long-Term Family Security

We stress-test repayments, plan buffers, and structure loans for flexibility — so your mortgage supports your lifestyle, not strains it.

Recognition

Awards & Industry Recognition

Year-by-year highlights of the awards earned by our brokers and business.

View All Awards

Top Mortgage Employers 2025 award badge — Top Mortgage Employer · 2025

2026

#1 SFG's Top 50 Loan Writers (2024/2025 FY) Chris Raymond
SFG (Specialist Finance Group) · Won · Feb 2026

2025

Broker of the Year (Residential) — Australian Mortgage Awards Chris Raymond
AMA · Won · Oct 2025
#7 Elite Broker Ranking 2025 — Residential Chris Raymond
The Adviser · Won · Oct 2025
Top Mortgage Employer Unconditional Finance
MPA Magazine · Won · Oct 2025
Outstanding Professional Services Unconditional Finance
Local Business Awards · Won · May 2025
Brokerage of the Year (6–20 Staff) Chris Raymond
AMA · Finalist · Aug 2025

2024

National Residential Broker of the Year (Volume) Chris Raymond
SFG · Won · Nov 2024
NSW Broker of the Year Chris Raymond
SFG · Won · Nov 2024
#23 Top 50 Loan Writer Joel Cross
SFG · Won · 2024

2018

Broker of the Year Unconditional Finance
Bankwest · Won · 2018

Unconditional Finance team accepting the 2025 Outstanding Professional Services award

As Seen In

Featured In Leading Industry Media

Our team is regularly invited to share market insights across Australia's most respected mortgage publications, podcasts, and award programs.

Media Feature

Quoted in The Adviser

Commentary on the Home Guarantee Scheme and self-employed policy changes.

Jul 2024 Jul 2025

Podcast

The Investor Lab

Maximising borrowing capacity for property investors.

Amazon Episode

Major Award

Broker of the Year 2025

FBAA Residential winner at the Australian Mortgage Awards.

MPA Official

Ranking

MPA Top 100 Brokers

Chris Raymond listed among Australia's top mortgage brokers.

View Ranking

Team

Women in Finance

Stephanie Coleman — Administrator of the Year & MPA Elite Women.

2025 Winners Elite Women

All sources linked above are independent media coverage, official awards pages, and published industry rankings.

Blogs & Guides On Equity Loans

Equity

Equity Release in Australia: Unlock Your Home’s Value

Debt Recycling

How to Start Debt Recycling the Right Way in Australia

Equity

Using a Line of Credit for Debt Recycling in Australia

Equity

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

Equity

Using Equity to Secure a Renovation Loan

Equity

Step-by-Step Guide Using Home Equity to Buy Another House

First Home Loans

Make your first home dream a reality with personalised loan solutions and expert support tailored for first-time buyers.

Buy Your First Home

Refinance a Loan

Reduce your repayments or access your equity by refinancing your home loan with competitive rates and flexible terms.

Refinance With Ease

Renovation Loans

Transform your property into your dream home with renovation loans designed to finance your home improvement projects seamlessly.

Renovate Your Home

Investment Loans

Expand your property portfolio with customised investment loan options that support your financial growth strategy.

Expand Your Portfolio

Trust Loans

Simplify the process of purchasing property under a trust with lending solutions tailored for trustees and trust structures.

Better Trust Structures

Rentvesting

Step into the property market while renting in your ideal location with innovative rentvesting loan options.

Invest Sooner

Business Loans

Fuel your business ambitions with flexible financing designed to meet your unique operational and expansion needs.

Grow Your Business

SMSF Broker

Unlock the potential of your Self-Managed Super Fund to invest in property with tailored SMSF loan options.

SMSF Loan Options

Home Equity Loans

Tap into your home’s equity to fund renovations, investments, or personal projects with a flexible home equity loan.

Leverage Your Equity

Second Home Loans

Purchase your next property with ease through loan solutions designed specifically for second-home buyers.

Buy Your Next Home

Bridging Loans

Move between properties without financial stress with short-term bridging loans for seamless transitions.

Relocation Loans

No Deposit Home Loans

Get into the property market faster with no-deposit home loans available for eligible Australian buyers.

Invest Sooner

Changing Home Loan

Switch to a better home loan with ease and enjoy lower rates, better features, and potential savings.

Enjoy Lower Rates

Equity Release (Age 55+)

Access your home equity during retirement with financial solutions tailored for Australians aged 55 and over.

Access Your Equity

Retirement Mortgage

Enjoy peace of mind with flexible retirement mortgages designed to suit your lifestyle and financial goals.

Retirement Loans

Green Home Loans

Support sustainable living by investing in eco-friendly homes or upgrades with green loan options.

Green Loan Options

Holiday Home Loans

Make your dream of owning a holiday home come true with flexible financing options tailored to Australians.

Own a Holiday Home

Commercial Property Loans

Grow your business with tailored loans for purchasing or refinancing commercial properties with confidence.

Commercial Loans

Debt Recyling

A Smart Strategy to Build Wealth While Managing Your Mortgage. We help Australian homeowners make the most of their home loans.

Debt Recyling Options

Guarantor Home Loan

Achieve homeownership faster with the support of a guarantor loan, minimising upfront costs and barriers.

Guarantor Home Loan

Home Equity Release Loans

What is a Home Equity Loan?

Benefits of Home Equity Loans

Flexible Financing Options

Lower Interest Rates

Access to Substantial Funds

Tax Benefits

Increase Home Value

Support for Seniors

Avoiding Pitfalls

Eligibility for Home Equity Loans

Home Equity Loans for Seniors

How to Apply for a Home Equity Loan

1. Evaluate Your Equity

2. Gather Necessary Documentation

3. Research Loan Options

4. Submit Your Application

5. Await Approval

6. Finalise Your Loan

Frequently Asked Questions

Contact Us Today!

We Simplify Equity Release

Meet Our Award-Winning Mortgage Brokers

Why Australian Borrowers Choose Unconditional Finance

We Architect Loans — We Don't Just Arrange Them

Structured for Approval — Not Guesswork

Led by a #1 Ranked Loan Writer

Fast, Controlled Execution

60+ Lenders. Zero Favourites.

Support Beyond Settlement

Experience That Protects You

Free Service: No Broker Fees

Structured for Long-Term Family Security

Awards & Industry Recognition

Featured In Leading Industry Media

Quoted in The Adviser

The Investor Lab

Broker of the Year 2025

MPA Top 100 Brokers

Women in Finance

Find Out Exactly WhatYou Can Borrow Today

Blogs & Guides On Equity Loans

Loan Solutions Just for You

First Home Loans

Refinance a Loan

Renovation Loans

Investment Loans

Trust Loans

Rentvesting

Business Loans

SMSF Broker

Home Equity Loans

Second Home Loans

Bridging Loans

No Deposit Home Loans

Changing Home Loan

Equity Release (Age 55+)

Retirement Mortgage

Green Home Loans

Holiday Home Loans

Commercial Property Loans

Debt Recyling

Guarantor Home Loan

Work With Award-Winning Finance Brokers

Find Out Exactly What
You Can Borrow Today