Mortgage Brokers in Melbourne & Surrounding Areas

Innovative Solutions For Parramattaians

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

broker awards 2024 to 2017 for mortgage broker Sydney

Unconditional Finance – Parramatta’s Award-Winning Mortgage Broker

WELCOME TO UNCONDITIONAL FINANCE

Find the right loan fast with Unconditional Finance, Parramatta’s reliable, award-winning mortgage broker. With over 25 years of experience, we offer personalised, client-focused services to help you buy or invest in property. Our dedicated team works closely with over 40 lenders to provide competitive rates and seamless financing solutions—without any extra charges for our services. Read More

Start Early for a Seamless Home Buying Experience


Don’t wait until you’ve found your dream home to consult with a broker. Getting expert advice early on helps you understand your borrowing capacity and address any potential issues before they arise, ensuring you’re fully prepared when the perfect property comes along.

Starting early also allows you to enhance your financial situation—whether that involves reducing debts, increasing savings, or improving your credit score—before submitting your final application. This can significantly boost your borrowing power and minimise potential delays.

Why Choose Unconditional Finance?


At Unconditional Finance, we’re more than just a loan provider; we build long-term relationships by offering ongoing support and expert guidance. Here’s why Parramatta homeowners trust us:

  • Parramatta Specialists with 25+ Years of Experience: We understand Parramatta’s property market inside and out, offering personalised advice tailored to your specific needs.
  • Access to 40+ Lenders: We compare a wide array of loan products from major banks and specialised lenders to secure the best deal for you.
  • Free, Transparent Service: Our services are completely free for you. We’re compensated by the lender after your loan is settled, and we disclose all fees upfront for total transparency.
  • Flexible Appointments: We offer flexible meeting times to fit your schedule, whether you’re in Parramatta or overseas. Virtual meetings are available for added convenience.
  • Ongoing Support: We remain with you even after your loan is settled, regularly reviewing your loan to ensure you always have the most competitive rate and providing continuous support as your financial situation evolves.
  • MFAA Endorsed & Fully Licensed: Fully accredited and endorsed by the Mortgage & Finance Association of Australia (MFAA), we uphold the industry’s highest standards.
  • Award-Winning Service: Our commitment to helping you achieve your financial goals has earned us industry recognition and multiple awards.

Explore the Parramatta Property Market with Confidence


The Parramatta property market offers fantastic opportunities, especially in the outer suburbs. However, knowing which areas to steer clear of—such as those with oversupply—is crucial, as lenders view these as higher risk and may require larger deposits.

Partnering with a local Parramatta mortgage broker guarantees expert, tailored advice. We help you secure competitive repayments, useful loan features, and monitor interest rate changes to ensure you always have the best deal. By working with a mortgage broker in Sydney, you can also gain valuable insights into up-and-coming suburbs where property values are expected to rise, which could enhance your long-term investment returns.

How We Simplify the Home Loan Process for You
At Unconditional Finance, we’ve streamlined the loan process to keep you focused on your financial goals. Here’s how we make it easy:

  • Apply: Provide your personal and property information to kickstart your loan application.
  • Quick Approval: After reviewing your application, we’ll present the best loan options from our trusted lenders, usually within two business days.
  • Receive Funds: Once your loan is approved, funds can be transferred to your account within three days.

Maximise Your Borrowing Potential: Smart Credit Card Management

Credit cards can influence your home loan approval, but with careful management, you can minimise their impact. By paying bills on time, reducing credit limits, or consolidating cards, you can enhance your borrowing capacity.

Our experts will work with you to optimise your credit profile, improving your loan application for better approval odds and more competitive rates. It’s also wise to consider closing any unused credit cards before applying, as this can improve your creditworthiness in the lender’s eyes. Understanding how lenders factor in credit card debt when calculating your borrowing capacity is another key to maximising your approval amount.

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


Low property valuations or credit scores can complicate the loan process. We address these challenges upfront, arranging free valuations and reducing unnecessary credit checks to safeguard your credit score and bolster your application.

A strong credit score can also give you greater leverage in negotiations with lenders, possibly securing lower rates or more flexible loan terms. Keeping your credit inquiries to a minimum during the application process is crucial to avoiding any red flags.

Save More with the Right Loan Features


While securing the lowest 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 result in significant savings over the life of the loan. In some cases, a slightly higher interest rate might actually be more cost-effective if it comes with the right features.

We make the process easier by comparing the latest offerings from over 40 lenders. We’ll help you find the perfect balance between interest rates and features to meet your financial goals. Don’t forget, features like splitting your loan between fixed and variable rates can provide both stability and flexibility, allowing you to benefit from market fluctuations.

Avoid LMI and Save Big


Lenders Mortgage Insurance (LMI) is an added cost that protects the lender but is paid by the borrower. You can avoid this expense by saving a larger deposit or lowering your Loan to Value Ratio (LVR) to below 80%.

We’ll guide you through strategies to reduce or eliminate LMI costs. If saving a 20% deposit isn’t feasible, we’ll explain how LMI can still help you enter the market sooner and how to manage the costs effectively. Additionally, some lenders offer temporary LMI exemptions for certain professionals or for buyers in specific areas, so it’s worth discussing these options with your broker.

Get It Right the First Time: Navigating Lender Policies


Every lender has its own unique credit policies that can influence your loan approval. At Unconditional Finance, we ensure your application is precisely aligned with lender requirements, reducing delays and increasing your chances of success.

Understanding the nuances of bank policies, such as how different lenders view casual or freelance income, can be a game-changer for those with non-traditional earnings. Our in-depth knowledge of specific lender preferences ensures your application fits seamlessly within their criteria, saving you both time and frustration.

Choose a Broker Who Prioritises You


A great mortgage broker does more than just find you a loan—they streamline the process, provide personalised advice, and keep your needs at the forefront. At Unconditional Finance, we go above and beyond by truly understanding your financial situation and offering tailored loan solutions.

From pre-approval to settlement, we’ll be with you every step of the way, ensuring you secure the best deal both now and in the future. And even after settlement, a good broker continues to monitor your loan, looking for opportunities to refinance and save you money as market conditions evolve.

Experience That Leads to Success


The right experience can make all the difference in a mortgage broker. Experienced brokers understand bank policies, navigate complex applications, and have the connections to expedite the process.

At Unconditional Finance, our brokers have extensive experience in the Parramatta market, ensuring your loan application is well-positioned for success. Many of our brokers are property owners themselves, providing personal insight into the process. Additionally, our industry contacts can help fast-track approvals, and we know how to present your application to meet specific lender criteria, even in more challenging scenarios.

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


Selecting the right broker starts with thorough research. Look for positive reviews, informative content, and demonstrated market expertise. Our brokers offer customised, trust-driven advice—not one-size-fits-all solutions.

When evaluating brokers, inquire about their lender panel—more lenders mean more options for you. Make sure your broker is accredited by the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), as this ensures they adhere to professional standards.

Read Less

Unconditional Finance – Parramatta’s Award-Winning Mortgage Broker

WELCOME TO UNCONDITIONAL FINANCE

Find the right loan fast with Unconditional Finance, Parramatta’s reliable, award-winning mortgage broker. With over 25 years of experience, we offer personalised, client-focused services to help you buy or invest in property. Our dedicated team works closely with over 40 lenders to provide competitive rates and seamless financing solutions—without any extra charges for our services. Read More

Start Early for a Seamless Home Buying Experience


Don’t wait until you’ve found your dream home to consult with a broker. Getting expert advice early on helps you understand your borrowing capacity and address any potential issues before they arise, ensuring you’re fully prepared when the perfect property comes along.

Starting early also allows you to enhance your financial situation—whether that involves reducing debts, increasing savings, or improving your credit score—before submitting your final application. This can significantly boost your borrowing power and minimise potential delays.

Why Choose Unconditional Finance?


At Unconditional Finance, we’re more than just a loan provider; we build long-term relationships by offering ongoing support and expert guidance. Here’s why Parramatta homeowners trust us:

  • Parramatta Specialists with 25+ Years of Experience: We understand Parramatta’s property market inside and out, offering personalised advice tailored to your specific needs.
  • Access to 40+ Lenders: We compare a wide array of loan products from major banks and specialised lenders to secure the best deal for you.
  • Free, Transparent Service: Our services are completely free for you. We’re compensated by the lender after your loan is settled, and we disclose all fees upfront for total transparency.
  • Flexible Appointments: We offer flexible meeting times to fit your schedule, whether you’re in Parramatta or overseas. Virtual meetings are available for added convenience.
  • Ongoing Support: We remain with you even after your loan is settled, regularly reviewing your loan to ensure you always have the most competitive rate and providing continuous support as your financial situation evolves.
  • MFAA Endorsed & Fully Licensed: Fully accredited and endorsed by the Mortgage & Finance Association of Australia (MFAA), we uphold the industry’s highest standards.
  • Award-Winning Service: Our commitment to helping you achieve your financial goals has earned us industry recognition and multiple awards.

Explore the Parramatta Property Market with Confidence


The Parramatta property market offers fantastic opportunities, especially in the outer suburbs. However, knowing which areas to steer clear of—such as those with oversupply—is crucial, as lenders view these as higher risk and may require larger deposits.

Partnering with a local Parramatta mortgage broker guarantees expert, tailored advice. We help you secure competitive repayments, useful loan features, and monitor interest rate changes to ensure you always have the best deal. By working with a broker, you can also gain valuable insights into up-and-coming suburbs where property values are expected to rise, which could enhance your long-term investment returns.

How We Simplify the Home Loan Process for You
At Unconditional Finance, we’ve streamlined the loan process to keep you focused on your financial goals. Here’s how we make it easy:

  • Apply: Provide your personal and property information to kickstart your loan application.
  • Quick Approval: After reviewing your application, we’ll present the best loan options from our trusted lenders, usually within two business days.
  • Receive Funds: Once your loan is approved, funds can be transferred to your account within three days.

Maximise Your Borrowing Potential: Smart Credit Card Management

Credit cards can influence your home loan approval, but with careful management, you can minimise their impact. By paying bills on time, reducing credit limits, or consolidating cards, you can enhance your borrowing capacity.

Our experts will work with you to optimise your credit profile, improving your loan application for better approval odds and more competitive rates. It’s also wise to consider closing any unused credit cards before applying, as this can improve your creditworthiness in the lender’s eyes. Understanding how lenders factor in credit card debt when calculating your borrowing capacity is another key to maximising your approval amount.

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


Low property valuations or credit scores can complicate the loan process. We address these challenges upfront, arranging free valuations and reducing unnecessary credit checks to safeguard your credit score and bolster your application.

A strong credit score can also give you greater leverage in negotiations with lenders, possibly securing lower rates or more flexible loan terms. Keeping your credit inquiries to a minimum during the application process is crucial to avoiding any red flags.

Save More with the Right Loan Features


While securing the lowest 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 result in significant savings over the life of the loan. In some cases, a slightly higher interest rate might actually be more cost-effective if it comes with the right features.

We make the process easier by comparing the latest offerings from over 40 lenders. We’ll help you find the perfect balance between interest rates and features to meet your financial goals. Don’t forget, features like splitting your loan between fixed and variable rates can provide both stability and flexibility, allowing you to benefit from market fluctuations.

Avoid LMI and Save Big


Lenders Mortgage Insurance (LMI) is an added cost that protects the lender but is paid by the borrower. You can avoid this expense by saving a larger deposit or lowering your Loan to Value Ratio (LVR) to below 80%.

We’ll guide you through strategies to reduce or eliminate LMI costs. If saving a 20% deposit isn’t feasible, we’ll explain how LMI can still help you enter the market sooner and how to manage the costs effectively. Additionally, some lenders offer temporary LMI exemptions for certain professionals or for buyers in specific areas, so it’s worth discussing these options with your broker.

Get It Right the First Time: Navigating Lender Policies


Every lender has its own unique credit policies that can influence your loan approval. At Unconditional Finance, we ensure your application is precisely aligned with lender requirements, reducing delays and increasing your chances of success.

Understanding the nuances of bank policies, such as how different lenders view casual or freelance income, can be a game-changer for those with non-traditional earnings. Our in-depth knowledge of specific lender preferences ensures your application fits seamlessly within their criteria, saving you both time and frustration.

Choose a Broker Who Prioritises You


A great mortgage broker does more than just find you a loan—they streamline the process, provide personalised advice, and keep your needs at the forefront. At Unconditional Finance, we go above and beyond by truly understanding your financial situation and offering tailored loan solutions.

From pre-approval to settlement, we’ll be with you every step of the way, ensuring you secure the best deal both now and in the future. And even after settlement, a good broker continues to monitor your loan, looking for opportunities to refinance and save you money as market conditions evolve.

Experience That Leads to Success


The right experience can make all the difference in a mortgage broker. Experienced brokers understand bank policies, navigate complex applications, and have the connections to expedite the process.

At Unconditional Finance, our brokers have extensive experience in the Parramatta market, ensuring your loan application is well-positioned for success. Many of our brokers are property owners themselves, providing personal insight into the process. Additionally, our industry contacts can help fast-track approvals, and we know how to present your application to meet specific lender criteria, even in more challenging scenarios.

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


Selecting the right broker starts with thorough research. Look for positive reviews, informative content, and demonstrated market expertise. Our brokers offer customised, trust-driven advice—not one-size-fits-all solutions.

When evaluating brokers, inquire about their lender panel—more lenders mean more options for you. Make sure your broker is accredited by the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), as this ensures they adhere to professional standards.

Read Less

Find the Best Mortgage in Parramatta – Effortless and Stress-Free

WE HELP PARRAMATTAIANS

Looking for the right home loan in Parramatta shouldn’t be stressful. With access to over 40 lenders and hundreds of loan options, we match you with the perfect loan for your needs. Whether buying a home or investing, our technology directly connects to banks, offering you the best deals without the hassle.

We, Unconditional Finance, take time to understand your financial goals to reduce fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and offer accurate repayment plans with features like offset accounts. Plus, our service is 100% free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, so being aware of these can save you even more.

UF team mortgage brokers in Sydney

Fully Licensed And Accredited

25+ Years Experience

Melbourne Specialists

We Work With 40+ Lenders

No Extra Fees

Let Us Help You With The Right Finance Solution For You

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.

The Unconditional Finance Difference

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. 

Loan Solutions Just for You

First Home Loans

First Home Loans

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

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Refinance a Loan

Refinance a Loan

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

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Renovation Loans

Renovation Loans

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

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Investment Loans

Investment Loans

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

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Trust Loans

Trust Loans

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

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Rentvesting

Rentvesting

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

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Business Loans

Business Loans

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

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SMSF Loans

SMSF Loans

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

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Home Equity Loans

Home Equity Loans

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

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LMI Waived Loans

LMI Waived Loans

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

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Second Home Loans

Second Home Loans

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

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Bridging Loans

Bridging Loans

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

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No Deposit Home Loans

No Deposit Home Loans

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

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Changing Home Loan

Changing Home Loan

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

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Equity Release (Age 55+)

Equity Release (Age 55+)

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

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Retirement Mortgage

Retirement Mortgage

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

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Green Home Loans

Green Home Loans

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

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Sophisticated Investor

Sophisticated Investor

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

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Holiday Home Loans

Holiday Home Loans

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

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Commercial Property Loans

Commercial Property Loans

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

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NDIS Loans

NDIS Loans

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

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Guarantor Home Loan

Guarantor Home Loan

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

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Work With Award-Winning Finance Brokers

MFAA Endorsed

Basking in the glow of MFAA (Mortgage and Finance Association of Australia) approval, we stand tall as certified mortgage brokers right here in Sydney.

Fully Qualified

As Unconditional Finance's driving force and founder, Chris leverages his industry expertise and personal investment acumen. Aside from bagging numerous accolades, including recurrent Top 100 Broker mentions, Chris savours family time and sports when off-duty.

A Legacy Spanning Over Two Decades

We're proud of our rich tapestry of more than 20 years, throughout which we've aided countless clients in realising their financial dreams.

Award-Winning

Our mantle is laden with awards, as we've repeatedly been hailed as one of Sydney's top-tier mortgage brokers year after year.

Fully Licensed

Registered with ASIC and being fully licensed mortgage brokers, we're intimately acquainted with the industry's unique demands.

Centred On Your Goals

At Unconditional Finance, we place your aspirations and necessities at the heart of our operations. When you join hands with us, be assured your interests are our prime concern.

How Unconditional Finance Serves You

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

20+ YEARS EXPERIENCE

SYDNEY SPECIALISTS

WE WORK WITH 40+ LENDERS

PROACTIVE & CLIENT-CENTRIC SYDNEY MORTGAGE BROKER

At Unconditional Finance, we’ve carved out a niche for ourselves as the go-to mortgage brokers in the bustling Sydney market. Our forte lies in crafting bespoke loan and refinancing solutions, tailor-made to help you save time and money. Donning a mantle of trust, backed by a plethora of five-star reviews from our gratified Australian clientele, and boasting connections with an expansive range of lenders, we’re your perfect financial companion on the journey to securing your Sydney mortgage.

Refinance

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New Home Purchase

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Investment Loan

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Personal Loan

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Car Loans

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Business Loans

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What Our Customers Say....

Jordy Alexander
Jordy Alexander
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We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...
Meredith Paige
Meredith Paige
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We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...
Asher McGlone
Asher McGlone
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I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...
Justin smith
Justin smith
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Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...
Kane Cox
Kane Cox
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Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...
Chad Robinson
Chad Robinson
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Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...

Learn More About Finance Broking

Our Banks/lenders

Learn More About Finance Broking

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.

Frequently Asked Questions (FAQs)

Our services are completely free for you. We receive a commission from the lender after your loan is finalised, and all fees are transparently disclosed upfront.

No, meeting us in person isn’t necessary. We offer convenient virtual meetings via phone, video calls, or email, making the process flexible regardless of your location—even if you’re overseas.

We provide mortgage and refinancing services throughout Sydney, including the CBD and surrounding suburbs. No matter where you are in the Sydney metro area, we’re here to assist with your home loan needs.

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

We can usually secure pre-approval for your home loan within two business days, depending on your specific situation and the lender’s requirements.

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

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

Absolutely. We specialise in helping self-employed individuals secure home loans. We’ll assist you in gathering the required financial documents and find lenders who understand the complexities of self-employment.

Yes, we work with lenders who offer specialised loan products for people with less-than-perfect credit. We’ll evaluate your situation and find the best available options to suit your needs.

Yes, we can help with international property purchases. 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 may not offer directly. At Unconditional Finance, we compare hundreds of loans from over 40 lenders to help you save on fees and reduce your monthly repayments.

Yes, refinancing when interest rates drop can lower your monthly repayments. We’ll review your situation and guide you through the refinancing process if it’s the right move for you.

Yes, at Unconditional Finance, we continue to support you 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 make sure you’re still getting the best rate. At Unconditional Finance, we provide free annual reviews to keep you informed about your financial situation.

If your financial situation changes, we’re here to help. We can assist in adjusting your loan through refinancing, switching loan types, or altering repayment terms to better fit your new circumstances.

To begin, we’ll need basic information such as your income, expenses, assets, debts, and the type of property you’re interested in purchasing. Our team will guide you through each step and help gather all necessary details.

Booking an appointment is easy. You can schedule a free consultation online or call us at 130 048 4390. We offer flexible scheduling options, seven days a week, to suit your availability.

Frequently Asked Questions About Our Broking Services

What does a mortgage broker do?

A mortgage broker Melbourne is an intermediary who acts between the borrower and the lender and uses their knowledge and software in order to source competitive rates for the borrower and facilitate a smooth settlement. Unconditional Finance is there to protect the borrower’s interests and manages the mortgage process.

Can a mortgage broker help me save money on monthly repayments?

When you’re looking for a home loan, working with a mortgage broker (either for residential or commercial property) is one of the best ways to save money on your monthly repayments. Lender fees can be expensive, and with rising interest rates, it’s important to have a professional find you the best loan available. A good mortgage broker will be able to provide expert advice for your financial situation, and give you access to deals that the banks may not offer you alone. So when purchasing property, always work with an experienced team of mortgage brokers, like Unconditional Finance, to get competitive rates and the right loan for you!

Why do you need a mortgage broker to help you?

There are many different mortgage products on the market, and it can be overwhelming to compare them all. A Mortgage Broker Melbourne will assist the borrower in navigating the many options. He or she will explain the differences between the products and help you choose the right loan. Once a product is selected, the mortgage broker will help ensure everything runs smoothly and the borrower is kept informed at all times. Beyond helping you at the time of purchase, mortgage brokers in Melbourne can provide ongoing support. With this expert guidance from your broker, you can be sure you’re getting the best business or home loan options available to you.

What’s the difference between Unconditional Finance and other Melbourne mortgage brokers?

Our company has helped the residents of Melbourne and its suburbs for over 12 years. We have been developing our mortgage processes over the years to ensure our clients get the best options and financing support, regardless of their circumstances. Look at the testimonials of our clients to see why they love us! If you’re looking for the best mortgage brokers in Melbourne, give our team at Unconditional Finance a call.

Does Unconditional Finance have fees?

Our service is free of charge. The lender you choose pays us a commission. This is fully disclosed to the client at the beginning. There are also fees and charges from the government and Lenders. So, your monthly payments for your loan will not incur extra because you worked with a broker. Instead, you’ll save money because you chose to use mortgage brokerage services.

We will provide you with a Credit Guide which outlines our general compensation and our Credit Proposal Disclosure document when we are chosen to arrange your finance. This details the amount your lender will pay after the settlement of your loan.

Our advice is based solely on the best interests of the borrower. It has nothing to do with what we get paid. We make it our top priority to ensure that our clients are satisfied.

Do mortgage brokers offer an ongoing service?

Unconditional Finance will not forget you after your loan has been settled. Unconditional Finance is paid a continuing trailing commission from the lender that you selected to remain available to answer your questions and modify your loan as necessary, such as fixing or switching products. Your broker will check your loan every year to make sure it is still suitable for your needs. Your broker will also review it against other rates and negotiate with your existing lender to get a better rate.

Which suburbs do you get home loans for?

We service clients in the Melbourne CBD area and across the surrounding suburbs of Melbourne, Australia.

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you’re overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients’ diverse needs.

If you’re unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you're overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients' diverse needs.

If you're unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.