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Choosing the right mortgage broker makes the home loan process easier and more successful. A trusted broker not only simplifies the loan journey but also provides clear, personalised guidance from start to finish. With a deep understanding of complex lending policies and personal property ownership experience, our experienced brokers in Melbourne help you avoid common pitfalls and secure the best rates. Researching online reviews and meeting potential brokers ensures you find someone who aligns with your needs and communication style. Early consultation allows you to understand your borrowing capacity and financial position, setting you up for confident decision-making in a competitive market. Read More
Unconditional Finance is an award-winning mortgage brokerage in Melbourne with a mission to simplify the loan process for all clients. For over 20 years, we have been helping homebuyers, investors, and business owners secure the financing they need. We work closely with a network of more than 40 lenders, including Australia’s major banks and specialist financial institutions, ensuring you receive the most competitive rates and personalised options.
We pride ourselves on delivering transparent, professional, and customer-focused service. Whether you’re buying your first home or investing in property, we work hard to understand your needs and support you throughout. We don’t just help you find the best loan—we ensure your financial security long after settlement by reviewing your loan regularly and offering ongoing support.
Finding the best mortgage in Melbourne is simple with our expert help. We connect you to over 40 lenders and hundreds of loan products, using advanced software to match you with the best options for your needs. Our comprehensive service not only compares rates but also provides insights into various loan features, helping you make informed decisions aligned with your financial goals. Whether you’re buying a home or investing, our guidance minimises stress and maximises savings.
Melbourne offers diverse property opportunities, from bustling CBD areas to serene outer suburbs. Understanding local trends and avoiding high-risk zones—such as areas with oversupplied apartments—can greatly impact your investment. Our Melbourne mortgage brokers offer up-to-date market insights and help you secure the best deals, ensuring you benefit from low repayments and advantageous loan features.
Government grants and incentives can significantly reduce costs for first-home buyers in Melbourne. Programs like the First Home Owner Grant (FHOG) and stamp duty concessions offer substantial financial assistance. We provide detailed information on how to qualify for these grants, integrate them with your loan options, and maximise their benefits to lower your initial expenses and enhance financial support.
Choosing between fixed and variable interest rates is an important choice. Fixed rates provide stability, while variable rates can offer lower initial rates with the potential for fluctuation. We help you evaluate the pros and cons of each, considering market conditions and your long-term goals. Our expert comparison ensures you choose the most suitable rate type for your specific needs, balancing cost and flexibility.
Investing in Melbourne property can be highly rewarding with the right loan strategy. We explain how to leverage rental income to increase your borrowing capacity and optimise loan structures for better returns. Additionally, we provide insights into tax benefits and managing multiple property loans effectively. Our guidance helps you make informed decisions to enhance your investment potential and achieve your property goals.
Refinancing can offer substantial savings, but it’s important to do it at the right time and under the right conditions. We guide you through the refinancing process, helping you evaluate costs, benefits, and the best timing for switching lenders or restructuring your loan. By staying informed about interest rate trends and assessing your financial situation, we ensure that you make strategic decisions to reduce your loan costs and improve your long-term financial health.
Getting pre-approved for a loan boosts your position in Melbourne’s busy property market. We guide you through the pre-approval process and show how it can make your offer stronger and simplify buying. With pre-approval, you know your budget and appear more attractive to sellers.
Minimising Lenders Mortgage Insurance (LMI) costs involves increasing your deposit or reducing your Loan to Value Ratio (LVR). We help you explore strategies to lower LMI and manage your loan efficiently, using our knowledge of local market conditions to navigate property valuations and reduce upfront costs. Our approach ensures that you minimise additional expenses and secure the best possible mortgage terms.
How you manage your credit cards is key to getting your home loan approved. We give tips on managing credit card limits and payments to improve your chances of approval. Our Melbourne mortgage brokers help you fix credit issues and boost your credit profile, making your loan application stronger.
Melbourne’s property market can be unpredictable, with fluctuations and changing trends. Our expert brokers provide up-to-date insights into market conditions and property valuations, helping you make informed decisions. We ensure that your property’s valuation aligns with your purchase or refinance amount, protecting you from potential issues and guiding you through a successful property transaction.
Complex credit policies can complicate the loan application process. Our experienced brokers ensure your application meets all lender requirements, avoiding delays and rejections. We leverage our in-house credit team to properly package and assess your application, increasing your chances of approval and ensuring a smoother process.
Low property valuations and credit score issues can hinder your loan application. We offer upfront valuations to address potential problems early and protect your credit score. By carefully managing your application and addressing any discrepancies, we help you navigate the process efficiently and avoid setbacks in your property journey.Read Less
At Unconditional Finance, we’ve earned a reputation as one of Melbourne’s leading mortgage brokers. We specialise in delivering customised loan and refinancing options that save you time and money. With hundreds of five-star reviews from satisfied Australians and access to a wide range of lenders, we’re the trusted choice for all your Melbourne mortgage needs.
Personalised Mortgage Advice for every loan type. Fast Approvals and expert assistance when you need a home loan specialist. No Extra Charge for our professional services. With over a decade of experience, we are fully licensed and established. Access competitive rates from over 40 major banks and lenders.
At Unconditional Finance, we understand that financial situations vary for everyone. This recognition drives our dedication to providing personalised services. Whether you need a business loan or a home loan, as the best mortgage brokers in Sydney and Melbourne, we are committed to going the extra mile with you, hand in hand, until we find the loan that perfectly aligns with your unique financial needs.
| MFAA Approved We’re MFAA (Mortgage and Finance Association of Australia) approved mortgage brokers in Melbourne. | Award-Winning We’ve been recognised as one of Melbourne’s leading mortgage brokers for several years running. | 12+ Years Experience For over 12 years, we’ve worked with clients to help them achieve their financial goals. |
| Fully Qualified Lumbini has a Diploma of Mortgage Broking (MBA) from the University of Wales and a Cert IV and a Diploma in Mortgage Broking and Finance. | Fully Licensed We’re fully licensed mortgage brokers and registered with ASIC, meaning we understand the unique requirements of the industry. | Client-Focused When working with Unconditional Finance, you can trust your goals and needs will always be our priority. |
At Unconditional Finance, we provide discerning clients with strategic mortgage solutions tailored to their financial aspirations. Our award-winning brokers bring decades of expertise, leveraging an extensive network of over 40 lenders to secure optimal lending structures that align with your long-term wealth objectives.
Whether acquiring a prestigious residence, expanding an investment portfolio, or restructuring existing finance for greater efficiency, we offer a highly personalised approach, ensuring a seamless and discreet experience at every stage.
We understand that sophisticated borrowers require more than just competitive rates—they seek structured solutions that enhance liquidity, maximise tax efficiency, and preserve capital. Our expertise extends to:
For those requiring bespoke financial arrangements, we provide access to specialised lending products:
**Our clients value discretion, expertise, and results. Partner with a mortgage brokerage that understands the complexities of sophisticated finance and delivers unparalleled service.**
At Unconditional Finance, we offer a premium mortgage brokerage service that takes the stress out of securing finance. We handle everything from start to finish, ensuring a seamless experience with expert guidance at every step. With access to over 40 lenders, our award-winning brokers secure competitive rates and structured loans, so you can focus on what matters while we take care of the rest.
Every client has unique financial goals, and we take the time to understand your situation to find the best mortgage solution for you. Whether you're a first home buyer, an investor, or looking to refinance, we provide expert advice tailored to your needs. Our commitment is to guide you through every step, ensuring a smooth and stress-free journey to home ownership.
We’re excited to help you secure the right loan. New clients can easily apply online at their convenience, while existing clients are encouraged to call us for personalised assistance and faster processing.
Principle Finance Broker
Meet Chris
Operations Manager
Meet Stephanie
Senior Finance Broker
Meet Joel
Credit Analyst
Meet Thien
Credit Analyst/Broker
Meet William
Senior Settlements Specialist
Meet NicoleConsistently 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
Enter your personal and property information to apply.
We will review your application in 2 business days.
Funds can be transferred to your account in 3 days.
At Unconditional Finance, we have established ourselves as the premier mortgage brokers in Sydney’s bustling market. Our expertise lies in creating bespoke loan and refinancing solutions designed to save you both time and money. Trusted by our satisfied Australian clients, who have given us numerous five-star reviews, and connected with an extensive range of lenders, we are your ideal financial partner on the path to securing your Melbourne mortgage.
It could save you thousands! it’s time to play smart and move fast in the sydney market.
Call unconditional finance now for cost-free professional advice.
No, our services are completely free for you. The lender pays us a commission once your loan is settled, and we make sure all fees are clear upfront. Working with a mortgage broker won't raise your loan payments—it can actually help you save money.
It's easy to book a free consultation. You can set up an appointment on our website or by calling us at 130 048 4390. We’re available seven days a week and offer flexible times to suit your schedule.
No, you don’t have to meet us in person unless you prefer. We offer virtual meetings via phone, video call, or email, making it convenient for clients anywhere, including those overseas.
We work with over 40 lenders, including major banks and specialised lenders. This wide range allows us to find the best loan options that suit your unique financial situation.
We usually get pre-approvals within two business days, depending on your situation and the lender’s requirements.
Your borrowing capacity depends on several factors, such as your income, financial history, and the type of loan you’re applying for. During your consultation, we will calculate how much you can borrow and guide you through your options.
Yes, even if you’ve spoken to your bank, it’s still a good idea to consult with a mortgage broker. We can compare your bank’s offer with others to ensure you’re getting the best possible deal, often finding better rates or more suitable loan features.
If you’ve exchanged contracts but haven’t secured finance yet, contact us immediately. At Unconditional Finance, we can act quickly to secure the necessary financing and ensure a smooth settlement process.
Yes, at Unconditional Finance, we provide continuous support even after your loan has been settled. We review your loan annually and work with your lender to ensure you always have the most competitive rate. We also help you adjust your loan as your financial situation changes.
We provide mortgage and refinancing services throughout Melbourne, including the CBD and surrounding suburbs. Our mortgage brokers are available to assist clients across the entire Melbourne metropolitan area.
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