Home Loans
From maximising your borrowing power to structuring the loan correctly, we manage the process end-to-end.
Unconditional Finance is the best mortgage broker in Sydney with over 25 years of industry experience. Our team of award-winning senior brokers specialises in home loans, investment properties, and refinancing solutions tailored to the unique needs of Botany residents.
Real feedback from Sydney borrowers who used Unconditional Finance.
Whether you're a first home buyer, seasoned investor, or looking to refinance, our experienced team is here to help. We understand Botany’s mix of established homes and newer developments and work hard to secure the best possible loan structure for your individual circumstances.
At Unconditional Finance, we provide personalised mortgage broking services that go beyond simply finding you a loan. We’re committed to helping you make smart financial decisions that support your long-term property goals in Botany.
Our services are designed to simplify decisions and maximise outcomes. Here’s what we help Botany clients with.
From maximising your borrowing power to structuring the loan correctly, we manage the process end-to-end.
We compare hundreds of products across 40+ lenders and negotiate pricing to keep your loan competitive.
Botany’s proximity to the airport, port, major employment zones and beaches can support steady rental demand. We help structure lending for tax efficiency and portfolio growth.
We make the process straightforward. Understand your borrowing capacity, navigate grants, and secure the right structure.
Renovating in Botany? Unlock your home’s potential with finance that suits your plans and timeline.
Specialist products for professionals (often with LMI waivers), plus bridging loans, SMSF loans, and equity release (55+).
Recognised as one of Sydney’s top mortgage brokers, with awards from 2017 to 2025.
Over 25 years in banking and finance, including complex lending scenarios and investment structuring.
40+ lenders and hundreds of products, including flexible solutions banks often can’t offer directly.
MFAA and FBAA endorsed, licensed with ASIC, registered with Mortgage Specialists Pty Ltd (ACL 387025).
Ongoing support after settlement: rate reviews, property tracking, and strategy check-ins.
Our service is completely free with no hidden fees. We’re paid by the lenders.
Appointments seven days a week: Botany, our Sydney office, or virtually.
Botany is a well-positioned suburb in Sydney’s south-east, located near Mascot, Rosebery, Banksmeadow and the beaches of the eastern suburbs. It’s known for its coastal proximity, strong employment base nearby, and a mix of traditional homes and modern apartment living.
With easy access to key roads, public transport and major hubs like the airport and Port Botany, the suburb appeals to owner-occupiers and investors seeking convenience and strong rental demand.
For buyers and investors alike, the right loan structure can help you make the most of opportunities in Botany’s evolving property market.
Botany blends lifestyle access with practical connectivity, making it a strong option for homeowners and investors in Sydney’s south-east.
Enter your personal and property information to get started. We’ll assess your situation and borrowing capacity.
We’ll review your application within 2 business days and work with 40+ lenders to secure the best possible outcome.
Once approved, funds can be transferred in as little as 3 days, getting you into your Botany property sooner.
Founder and principal broker with deep industry and personal investment experience. Known for long-term wealth-focused structuring and strategic lending advice.
Specialist in multi-property portfolios and Australian Defence clients. Clients value his clarity, thoroughness, and genuine care.
16 years in banking and finance, bringing organised efficiency to every transaction. Passionate about education and helping clients achieve homeownership.
Former Macquarie Bank analyst with deep lender insight, ensuring smooth applications from submission to settlement.
First class service from Chris, Will and the team at Unconditional Finance. They came highly recommended and clearly understood my goals and limitations. Nothing was too hard and they delivered a timely lending solution, solving all the challenges along the way.
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.
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.
Consistently recognised among Australia’s top mortgage brokers, earning multiple industry awards from MPA, The Adviser, and Specialist Finance Group.
Founder Chris Raymond leverages decades of industry expertise and personal investment acumen to help you secure the best financial solutions.
Free Consultation: Get expert guidance with no obligation.
Custom Mortgage Strategies: Tailored to your financial goals.
End-to-End Support: We handle every detail from application to settlement.
From first-home buyers to investment properties and specialist loans for professionals, we streamline the process and deliver competitive rates.
With a 5-star rating from over 320 clients, our Sydney-based team provides personalised one-on-one consultations to guide you at every step.
Our certification underscores our credibility, ethics, and leadership in the mortgage industry, meeting the highest professional standards.
We navigate complex lending requirements with ease, ensuring a smooth and successful financing experience that adheres to all regulations.
Call Now: 1300 484 390 for a no-obligation consultation and begin your journey toward a better mortgage solution.
We tailor our advice to your unique financial goals, whether it’s purchasing your first home, expanding an investment portfolio, or refinancing.
Discover how Unconditional Finance stands apart from traditional banks by offering personalised service, flexible loan options, and a client-first approach.
Customers often treated like transactions.
Clients are valued, with personalised attention and tailored solutions.
One set of products & policies, limited flexibility.
Access to 40+ lenders and a wide range of mortgage products.
Long processing times and complex approval steps.
Streamlined application process with dedicated support.
Prioritise lender interests before yours.
Your goals come first, ensuring we find the best fit for you.
Generic, one-size-fits-all loan solutions.
Custom mortgage strategies tailored to your financial goals.
Call centers and limited personal support.
Dedicated broker guiding you every step of the way.
Use our easy-to-use calculators to plan your financial future.
Stepping into your first home can feel like a giant leap, but we make it as smooth as possible. Our seasoned mortgage brokers are dedicated to guiding you through every step, from understanding your borrowing power to securing a first home owners grant in Sydney. With our expertise, you'll navigate the complex world of home loans with ease, ensuring you start this new chapter on solid ground.
Buy Your First Home
Is a better deal within your grasp? It’s time to let our senior mortgage brokers be your guide as you delve into the ocean of refinancing options. We’re with you every step of the way, from mapping out your options to crossing the finish line with your refinanced mortgage. Refinancing a loan has its perks – it could lower your interest rate, bundle your debts into one loan, trim down your repayment period, and fast-track your journey to a debt-free life.
Get a Better Rate
Dreaming of transforming your home into the perfect space? Our renovation loans are designed to help you bring those dreams to life. Our expert brokers will help you unlock the potential of your home with tailored loan solutions that suit your renovation plans. Whether it’s a small upgrade or a complete overhaul, we’re here to support you through the entire process, ensuring your renovation journey is as seamless as possible.
Renovate with Confidence
Ready to expand your investment portfolio? Our investment loan options are crafted to help you capitalise on lucrative opportunities in the property market. Our knowledgeable brokers will assist you in structuring your loans to maximise returns while managing risks effectively. Let us help you build wealth through smart, strategic property investments.
Expand Your Portfolio
Tap into the hidden potential of your home with our home equity loans. Whether you’re planning a major purchase, consolidating debt, or funding a new venture, our expert brokers will help you leverage your home’s equity to achieve your financial goals. With personalised advice and flexible loan options, we’re here to make your equity work harder for you.
Unlock Your Home's Potential
Why pay for Lenders Mortgage Insurance if you don’t have to? Our LMI waived loans can save you thousands, making homeownership more accessible. Our brokers specialise in finding and securing loans that offer LMI waivers, especially for professionals in specific fields. Let us help you unlock the benefits of LMI-free loans and put you on the fast track to owning your home.
Save on LMI Costs
Looking to purchase a second property? Whether it’s for investment or a holiday home, our second home loans offer the flexibility and support you need. Our experienced brokers will help you navigate the additional complexities involved in securing a second mortgage, ensuring you get the best terms and rates available.
Secure Your Second Home
Transitioning between homes can be stressful, but our bridging loans offer a smooth solution. Designed to cover the gap between buying a new home and selling your current one, our brokers will ensure you have the funds you need when you need them. Let us take the hassle out of moving and make your transition seamless.
Smooth Your Transition
As a doctor, your financial needs are unique. Our home loans for doctors are tailored to provide favorable terms and rates, recognising the stability and earning potential of your profession. Let our expert brokers help you secure a loan that supports your lifestyle and professional growth.
Get a Doctor’s Home Loan
Lawyers have distinct financial profiles, and our home loans are designed to match those needs. We offer competitive rates and flexible terms to suit your career trajectory. Our brokers understand the demands of your profession and are here to help you secure a loan that fits seamlessly into your financial plan.
Secure a Lawyer’s Home Loan
Engineers require precise and dependable financial solutions. Our home loans for engineers are crafted to offer reliability and competitive terms. Let our knowledgeable brokers assist you in finding a loan that aligns with your professional and personal goals, ensuring you have a solid foundation for your future.
Build Your Future with an Engineer’s Home Loan
As an accountant, you understand the importance of financial planning. Our home loans for accountants provide tailored solutions with competitive rates and favorable terms. Our brokers are here to help you leverage your financial expertise to secure a loan that meets your needs.
Finance Your Home with Confidence
Unlock the value of your home in your golden years with our equity release options. Designed for those aged 55 and over, our solutions provide access to the funds you need while allowing you to stay in your home. Our compassionate brokers will guide you through the process, ensuring your financial comfort and security.
Access Your Home’s Value
Ensure your retirement years are financially secure with our retirement mortgage options. Our brokers specialise in finding solutions that offer stability and peace of mind, allowing you to enjoy your retirement without financial stress. Let us help you secure a mortgage that supports your lifestyle and future plans.
Secure Your Retirement
Committed to sustainability? Our green home loans offer favorable terms for eco-friendly home improvements and purchases. Whether you’re building a new green home or upgrading your current one, our brokers will help you secure a loan that supports your commitment to the environment.
Finance Your Green Home
Sophisticated investors need advanced strategies and expert guidance. Our brokers provide tailored financial advice and innovative loan solutions to help you maximise your investment returns. From complex loan structuring to strategic planning, we’re here to support your financial growth and success.
Maximise Your Investments
