Training and Education
Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.
It’s Free to Speak to an Advisor
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
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.
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:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Loans By Profession
