Unconditional Finance is North Sydney’s trusted, award-winning mortgage broker, dedicated to helping you find the right loan. With over 25 years of industry expertise, we provide personalised, client-focused services to assist with buying or investing in property. Our experienced team works with more than 40 lenders to secure competitive rates and seamless financial solutions—all with no additional fees for our services.
Securing the right home loan in North Sydney should be simple and stress-free. With access to over 40 lenders and hundreds of loan options, we can connect you with the best solution tailored to your needs.
Whether you’re purchasing a home or investing, our technology links directly to banks, allowing you to access the best deals without the hassle. At Unconditional Finance, we take the time to understand your financial goals, helping to reduce unnecessary costs, avoid Lenders Mortgage Insurance (LMI), and provide accurate repayment plans with useful features like offset accounts. Best of all, our services are completely free. Many lenders also offer special deals for first-time buyers and those with specific savings plans, allowing you to save even more.
Tailored Mortgage Guidance for all types of loans. Quick approvals and expert support whenever you need a home loan expert. No additional fees for our professional services. With more than ten years of industry experience, we are fully licensed and well-established. Benefit from competitive rates through our network of over 40 leading 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, 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.
| First Home Buyer Loans | Refinance Home Loans | Investment Loans |
| Commercial Property Loans | SMSF Loans | Self-Employed Home Loans |
| Doctor Loans | Debt Consolidation Loans | Bad Credit Loans |
| 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. |
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.
The North Sydney property market offers excellent opportunities, particularly in its outer suburbs. However, it’s important to be mindful of areas with an oversupply, as lenders often see these as higher risk and may require larger deposits.
By working with a local mortgage broker, you benefit from expert, personalised advice. We help you secure competitive repayment terms and useful loan features, while monitoring interest rate changes to ensure you’re always getting the best deal. Additionally, partnering with a broker provides insights into up-and-coming suburbs where property values are expected to rise, boosting your long-term investment returns. Read More
Credit cards can influence your home loan approval, but managing them effectively can boost your borrowing power. Pay bills on time, reduce credit limits, or consolidate multiple cards to strengthen your application.
Our specialists can help you optimise your credit profile, improving your loan approval chances. Additionally, closing unused credit cards before applying can enhance your creditworthiness. Understanding how lenders evaluate credit card debt is key to maximising your borrowing capacity.
Low property valuations or credit scores can complicate the loan process. We address these challenges by offering free property valuations and reducing unnecessary credit checks, helping protect your credit score.
A solid credit score can also improve your negotiation power with lenders, potentially resulting in lower interest rates or more flexible loan terms. Minimising credit inquiries while applying for a loan is critical to avoiding any red flags with lenders.
While securing a low interest rate is important, the right loan features can save you even more in the long run. Offset accounts, redraw facilities, and extra repayments can help you save thousands over the life of the loan. Sometimes, a slightly higher interest rate with the right features can be more cost-effective.
We make it easy by comparing the latest loan products from over 40 lenders. Our team will find the perfect balance of interest rates and features to match your financial goals. Features like splitting your loan between fixed and variable rates can offer both stability and flexibility, allowing you to adapt to changing market conditions.
Lenders Mortgage Insurance (LMI) is an additional cost to the borrower, designed to protect the lender. You can avoid this 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 practical, we’ll explain how LMI can still help you get into the market sooner and how to manage its cost effectively. Some lenders also offer limited-time LMI waivers for certain professionals or buyers in specific areas, so it’s worth exploring these options with your broker.
Every lender has unique credit policies that can affect your loan approval. At Unconditional Finance, we ensure your application aligns with these requirements, improving your chances of success.
Understanding how banks handle non-traditional income, such as freelance or casual work, can be essential for self-employed or part-time earners. Our knowledge of lender preferences allows us to structure your application to fit their criteria, saving you time and frustration.
A great mortgage broker does more than just secure a loan—they simplify the process, offer personalised advice, and focus on your unique financial needs. At Unconditional Finance, we take the time to understand your financial situation and offer tailored loan options to suit your goals.
From pre-approval through to settlement, we’ll guide you every step of the way, ensuring you get the best deal for both now and the future. Even after settlement, we continue to monitor your loan, identifying opportunities for refinancing as market conditions change.
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Use one of our many calculators to help you better manage your finances.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
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.
Our services are completely free to you. We’re compensated by the lender after your loan is settled, with all fees fully disclosed upfront to maintain transparency.
No, you don’t need to meet with us in person. We offer virtual meetings via phone, video calls, or emails to make the process convenient for you, whether you’re in Sydney or overseas.
We provide mortgage and refinancing services throughout Sydney, including the CBD and all surrounding suburbs. No matter where you are in the Sydney metropolitan area, we’re here to assist with your home loan needs.
Your borrowing capacity is influenced by several factors, including your income, credit score, and existing debts. During your consultation, we’ll assess your financial situation and give you a clear estimate of how much you can borrow.
We can typically secure your pre-approval within two business days, depending on your personal circumstances and the lender’s requirements.
Once you’ve been pre-approved, the entire 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 already spoken with your bank, it’s beneficial to consult a mortgage broker. We’ll compare your bank’s offer with other lenders to ensure you’re getting the best deal—often finding better rates or more favourable terms.
Absolutely. We specialise in securing home loans for self-employed individuals. We’ll assist you in gathering the necessary financial documents and find lenders that understand self-employment.
Yes, we work with lenders that offer loan products designed for people with less-than-perfect credit. We’ll assess your situation and find the best available options to meet your needs.
Yes, we can assist you with purchasing property internationally. We offer flexible services to guide you through the loan process, no matter where you are located.
A mortgage broker can access loans and rates that banks might not offer directly. At Unconditional Finance, we compare hundreds of loans from over 40 lenders to help you save on fees and lower your monthly repayments.
Yes, refinancing when interest rates drop can lower your monthly repayments. We’ll assess your situation to determine if refinancing is the right choice and guide you through the process.
Yes, at Unconditional Finance, we provide ongoing support even 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 top of your financial situation.
If your financial situation changes, we’re here to assist. We can help adjust your loan by refinancing, switching loan types, or modifying your repayment terms to better suit your new financial circumstances.
To get started, 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 each step and assist in gathering the necessary information.
Booking an appointment with us is simple. You can schedule a free consultation online or by calling us at 130 048 4390, with flexible options available seven days a week to suit your schedule.
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