Mortgage Brokers Mosman - Unconditional Finance

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Mosman’s Trusted Mortgage Broker

Get Exclusive Mortgage Advice Tailored For You. Better Loan Strategies, Better Homes, Prime Locations, Significant Savings.

The Best Mortgage in Mosman – Simple and Stress-Free

Securing the right home loan in Mosman shouldn’t be a hassle. With access to over 40 lenders and hundreds of loan products, we can connect you with the perfect loan to meet your needs. Whether you’re buying a home or investing, our technology allows direct connections with banks, helping you secure the best deals effortlessly.

Recognised with consistent industry awards and supported by hundreds of 5-star Google reviews, Unconditional Finance is committed to being Sydney’s best mortgage broker.

We take the time to understand your financial goals. This allows us to help reduce fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and provide accurate repayment plans with features like offset accounts. Plus, our services are 100% free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, helping you save even more. Read More

Begin Early for a Smooth Home Buying Process

Don’t wait until you’ve found the perfect property to consult a broker. Receiving professional advice early helps you understand your borrowing capacity and address any potential issues before they arise, ensuring you’re ready when the ideal property becomes available.

Starting early also allows you to improve your financial standing—whether by reducing debts, increasing savings, or improving your credit score—before making your final application. This can significantly boost your borrowing power and minimise delays.

Why Choose Unconditional Finance?

Mosman Experts with 25+ Years of Experience
We know the Mosman property market inside and out, offering tailored advice based on your specific requirements.

Access to 40+ Lenders: We compare a wide range of loan products from both major banks and specialised lenders, ensuring you get the best deal.
No-Cost, Transparent Service: Our services are completely free for you. We’re paid by the lender once your loan is settled, and we disclose all fees upfront to maintain transparency.
Flexible Appointments: We offer meeting times that work around your schedule, whether you’re in Mosman or abroad. Virtual meetings are also available for your convenience.
Continued Support: Our support doesn’t stop once your loan is approved. We regularly review your loan to ensure you’re always getting the most competitive rate and provide ongoing assistance as your financial situation evolves.
MFAA Accredited & Fully Licensed: We are fully accredited by the Mortgage & Finance Association of Australia (MFAA), maintaining the highest standards in the industry.
Award-Winning Service: Our dedication to helping you achieve your financial goals has earned us multiple awards and industry recognition.

Navigate the Mosman Property Market with Confidence

Mosman’s property market presents a range of excellent opportunities, especially in the outer suburbs. However, it’s important to know which areas to avoid—such as those with oversupply—as lenders may see these as higher risk, often requiring larger deposits.

By partnering with a local Mosman mortgage broker, you’ll receive expert, personalised advice. We’ll help you secure competitive repayment terms, valuable loan features, and stay updated on interest rate changes to ensure you always get the best deal. With a broker by your side, you can also gain insights into emerging suburbs where property values are projected to grow, potentially boosting your long-term returns on investment.

Maximise Your Borrowing Power: Smart Credit Card Management

Credit cards can affect your home loan approval, but managing them carefully can reduce their impact. Paying bills on time, reducing credit limits, or consolidating multiple cards can enhance your borrowing capacity.

Our experts will help you optimise your credit profile, strengthening your loan application for better approval chances and more competitive rates. It’s also wise to consider closing any unused credit cards before applying, as this can boost your creditworthiness in the eyes of the lender. Understanding how lenders assess credit card debt when calculating borrowing capacity is essential for maximising your approval amount.

Strengthen Your Loan Application: Focus on Credit Scores and Property Valuations

Low property valuations or poor credit scores can complicate the loan approval process. We address these issues early by arranging free valuations and minimising unnecessary credit checks, which protects your credit score and strengthens your application.

A strong credit score also improves your negotiating power with lenders, potentially securing you lower interest rates or more flexible loan terms. Keeping credit inquiries to a minimum during the application process is key to avoiding any red flags.

Save More with the Right Loan Features

While finding the lowest interest rate is important, the right loan features can save you even more over time. Offset accounts, redraw facilities, and additional repayment options can save you thousands over the life of the loan. Sometimes, a slightly higher interest rate may prove more cost-effective if it comes with the right features.

We compare the latest loan options from over 40 lenders to find the best balance of interest rates and features that suit your financial objectives. Features like splitting your loan between fixed and variable rates can offer both stability and flexibility, allowing you to benefit from changing market conditions.

Avoid LMI and Save Big

Lenders Mortgage Insurance (LMI) is an extra cost for the borrower but designed to protect the lender. You can avoid LMI by saving a larger deposit or reducing your Loan to Value Ratio (LVR) to below 80%.

We guide you through strategies to minimise or avoid LMI costs. If saving a 20% deposit isn’t feasible, we’ll explain how LMI can help you enter the market sooner and how to manage the associated costs effectively. Some lenders also offer limited-time LMI exemptions for certain professionals or buyers in specific areas, so it’s worth exploring these options with your broker.

Get It Right the First Time: Understanding Lender Policies

Each lender has its own credit policies, which can significantly affect your loan approval. At Unconditional Finance, we ensure that your application aligns perfectly with these policies, reducing delays and improving your chances of success.

Understanding the nuances of bank policies, especially for casual or freelance income, is crucial for non-traditional earners. Our expertise in lender preferences means we can structure your application to fit their criteria, saving you time and avoiding complications.

Choose a Broker Who Prioritises Your Needs

A quality mortgage broker does more than secure a loan—they simplify the process, provide personalised advice, and focus on your needs. At Unconditional Finance, we go the extra mile to understand your financial situation and offer tailored loan solutions.

From pre-approval to settlement, we’ll be with you at every step, ensuring you secure the best deal for both now and the future. Even after settlement, a good broker will continue to monitor your loan, looking for opportunities to refinance and save you money as the market changes.

Experience That Drives Results

When it comes to mortgage broking, experience matters. A seasoned broker knows how to navigate bank policies, manage complex applications, and has the right connections to expedite the process.

At Unconditional Finance, our Sydney mortgage brokers bring years of experience in the Mosman market, positioning your loan application for success. Many of our brokers are property owners themselves, giving them valuable insight into the process. Our industry connections can also help speed up approvals, and we know how to present your application to meet specific lender criteria, even in more challenging cases.

Choosing the Right Broker: Trust, Expertise, and Personalised Service

Selecting the right broker requires careful consideration. Look for positive reviews, informative content, and demonstrated market expertise. Our brokers provide tailored, trust-based advice—not generic solutions.

When assessing brokers, ask about their lender panel—broader access to lenders means more options for you. Also, make sure your broker is accredited by the Mortgage & Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), ensuring they meet professional standards.
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About Mosman

Mosman is a prestigious harbourside suburb on Sydney’s Lower North Shore, renowned for its village atmosphere, elite schools, waterfront homes, and proximity to the CBD. Framed by Sydney Harbour and national parkland, Mosman attracts established families, professionals, and downsizers seeking lifestyle, security, and long-term value.

For owner-occupiers, Mosman offers a tightly held market with high-quality housing, walkable local centres, and access to Balmoral Beach and ferry services. For investors, demand is underpinned by affluence, limited housing supply, and consistent appeal to executive renters.

With the right finance structure, buyers can confidently compete in Mosman’s blue-chip and resilient property market.

Mosman Property Market Snapshot

Median House Price

$4.000m

3 Bed: $3.200m
4 Bed: $4.200m
5 Bed: $5.500m+

Median House Rental

$2,000 / week

3 Bed: $1,650 / week
4 Bed: $2,200 / week
5 Bed: $2,800 / week

Median Unit Price

$1.350m

1 Bed: $900k
2 Bed: $1.400m
3 Bed: $1.900m

Median Unit Rental

$950 / week

1 Bed: $720 / week
2 Bed: $980 / week
3 Bed: $1,250 / week

Mosman’s combination of harbour views, lifestyle prestige, and long-term capital stability makes it one of Sydney’s most sought-after suburbs for both homeowners and strategic investors.

The Best Mortgage in Mosman

WELCOME TO UNCONDITIONAL FINANCE

At Unconditional Finance, we’ve established ourselves as one of Mosman’s top mortgage brokers. We focus on providing tailored loan and refinancing solutions that help you save both time and money. With hundreds of glowing five-star reviews from happy Australians and access to a broad selection of lenders, we’re the trusted go-to for all your mortgage needs in Mosman.

Proactive & Client-Centric

WE ARE HERE TO HELP YOU

Tailored mortgage advice for all types of loans. Quick approvals and expert guidance whenever you need a home loan specialist. No additional fees for our professional services. With more than a decade of experience, we are fully licensed and well-established. Benefit from competitive rates through our network of over 40 leading banks and lenders.

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

review us on

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.

Fully Licensed And Accredited

20+ Years Experience

We Work With 40+ Lenders

Work With Award-Winning Finance Brokers

Trusted. Licensed. Awarded.

Why Sydney Chooses Unconditional Finance

We don’t just arrange mortgages — we build long-term financial confidence with strategy, clarity, and care.

MFAA Endorsed

Proudly accredited by the Mortgage & Finance Association of Australia — a benchmark for professionalism and industry expertise.

Fully Qualified Leadership

Founded by Chris, an award-winning mortgage specialist and seasoned investor, recognised with multiple Top 100 Broker honours.

A Legacy of 20+ Years

Over two decades of helping individuals, families, and investors secure finance solutions that support long-term financial success.

Consistently Award-Winning

Recognised year after year as one of Sydney’s leading mortgage brokers for service excellence and outstanding results.

Fully Licensed & ASIC Registered

Fully licensed and registered with ASIC, ensuring compliance, integrity, and expert navigation of lending complexities.

Centred On Your Goals

Your aspirations are at the heart of every recommendation we make — your best interests always come first.

01

Apply Now

Enter your personal and property information to apply.

02

Get Approved

We will review your application in 2 business days.

03

Receive Funds

Funds can be transferred to your account in 3 days.

How an Extra $100,000 or More Can Elevate Your Sydney Lifestyle – From Larger Homes to Premium Suburbs.

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.

FULLY LICENSED AND ACCREDITED

25+ YEARS EXPERIENCE

SYDNEY SPECIALISTS

WE WORK WITH 40+ LENDERS

Frequently Asked Questions (FAQs)

Our services are completely free for you. We’re compensated by the lender once your loan is settled, with all fees fully disclosed upfront to ensure transparency.

No, you don’t need to meet with us in person. We offer virtual meetings via phone, video call, or email, making the process convenient no matter where you are, even if you’re overseas.

We provide mortgage and refinancing services across Sydney, including the CBD and surrounding suburbs. Wherever you are in the Sydney metropolitan area, we’re here to assist with your home loan needs.

Your borrowing capacity is influenced by factors such as your income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and provide a clear estimate of how much you can borrow.

We can typically secure your pre-approval within two business days, depending on your circumstances and the lender’s requirements.

Once pre-approved, the loan approval process generally takes between 1 to 2 weeks, depending on the complexity of your application and the lender’s requirements.

Even if you’ve consulted your bank, it’s worthwhile talking to a mortgage broker. We compare your bank’s offer with other lenders to make sure you’re getting the best deal—often finding better rates or more flexible terms.

Yes, we specialise in securing home loans for self-employed individuals. We’ll help you gather the necessary financial documents and find lenders that understand self-employment.

Yes, we work with lenders that offer loan products tailored for people with less-than-perfect credit. We’ll assess your situation and find the best available options for your needs.

Yes, we can assist with property purchases abroad. We provide flexible services to guide you through the loan process, wherever you’re located.

A mortgage broker can access loans and rates that banks may not offer directly. At Unconditional Finance, we compare hundreds of loans from over 40 lenders to help lower your fees and reduce your monthly repayments.

Yes, refinancing when rates drop can reduce your monthly repayments. We’ll assess your situation to determine if refinancing is the best option and guide you through the process.

Yes, at Unconditional Finance, we continue to offer support after your loan is settled. We regularly review your loan to ensure it remains competitive and assist with any adjustments, such as refinancing or switching products.

We recommend reviewing your mortgage at least once a year to ensure you’re still getting the best rate. At Unconditional Finance, we offer free annual loan reviews to help you stay on track with your financial goals.

If your financial circumstances change, we’re here to assist. We can help adjust your loan by refinancing, switching loan types, or modifying your repayment terms to suit your new financial situation.

To begin, we’ll need basic details such as your income, expenses, assets, debts, and the type of property you’re interested in buying. Our team will guide you through every step and assist in gathering the necessary information.

Booking an appointment is easy. You can schedule a free consultation online or by calling us at 130 048 4390, with flexible appointment options available seven days a week.

Loan Solutions Just for You

First Home Loans

Helping first-time buyers secure their dream home in NSW with tailored loan solutions and expert guidance.

Refinance a Loan

Save money or unlock equity by refinancing your existing mortgage in Sydney and surrounding areas.

Renovation Loans

Finance your home improvement projects in Sydney with loans designed to cover renovation costs seamlessly.

Investment Loans

Boost your property portfolio with investment loans tailored for growth and financial success in Sydney.

Trust Loans

Simplify trust property purchases with customised lending solutions for trusts and trustees in NSW.

Rentvesting

Achieve property ownership in Sydney and surrounding areas while renting in your desired location.

Business Loans

Empower your business in NSW with flexible funding options tailored to meet your unique operational needs.

SMSF Loans

Leverage your Self-Managed Super Fund to invest in property in Sydney and surrounding areas with specialised SMSF loan products.

Home Equity Loans

Unlock the value in your home to access funds for renovations, investments, or personal projects in NSW.

LMI Waived Loans

Save on Lenders Mortgage Insurance in Sydney with loan options tailored for eligible borrowers.

Second Home Loans

Secure your next property in NSW with loan solutions designed for second-home buyers.

Bridging Loans

Transition seamlessly between properties with short-term financing in Sydney and surrounding areas.

No Deposit Home Loans

Achieve homeownership sooner with no-deposit loan options for eligible buyers in Sydney.

Changing Home Loan

Switch to a better mortgage deal with ease and enjoy potential savings in Sydney.

Equity Release (Age 55+)

Access your home’s equity in retirement with tailored financial solutions in NSW for individuals aged 55 and over.

Retirement Mortgage

Flexible home loan options to support your lifestyle during retirement in Sydney and surrounding areas.

Green Home Loans

Invest in eco-friendly homes or upgrades in Sydney with loans supporting sustainability initiatives.

Sophisticated Investor

Exclusive loan products designed for high-net-worth investors with complex financial needs in Sydney.

Holiday Home Loans

Turn your dream holiday home into reality with specialised financing options in NSW.

Commercial Property Loans

Expand your business in Sydney and surrounding areas with tailored loans for purchasing or refinancing commercial properties.

NDIS Loans

Specialised funding solutions to support National Disability Insurance Scheme-related property investments in NSW.

Guarantor Home Loan

Achieve homeownership faster with a guarantor loan that reduces upfront costs in Sydney and surrounding areas.

Calculators

Use one of our many calculators to help you better manage your finances.

What Our Customers Say....

We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...

We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...

I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...

Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...

Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...

Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...

Our Banks/lenders

Book Your Finance Discovery Call

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.