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
Unconditional Finance, Surry Hills’ renowned mortgage broker, is here to help you secure the ideal loan quickly. With over 25 years of experience, we provide personalised, client-centric services to assist with buying or investing in property. Our committed team works with over 40 lenders to offer competitive rates and seamless financing solutions—all with no added fees for our services.
Finding the right home loan in Surry Hills should be a smooth and stress-free process. With access to over 40 lenders and an extensive range of loan options, we find the perfect match for your needs. Whether you’re purchasing a home or making an investment, our technology connects you directly with banks, ensuring you get the best deal without the hassle.
At Unconditional Finance, we take the time to understand your financial goals, helping you minimise fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and create accurate repayment plans with features like offset accounts. Plus, our service is entirely free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, so knowing these options can help you save even more. Read More
Finding the right home loan in Surry Hills should be a smooth and stress-free process. With access to over 40 lenders and an extensive range of loan options, we find the perfect match for your needs. Whether you’re purchasing a home or making an investment, our technology connects you directly with banks, ensuring you get the best deal without the hassle.
At Unconditional Finance, we take the time to understand your financial goals, helping you minimise fees, avoid unnecessary Lenders Mortgage Insurance (LMI), and create accurate repayment plans with features like offset accounts. Plus, our service is entirely free. Many lenders also offer special deals for first-home buyers or those with specific savings plans, so knowing these options can help you save even more.
Don’t wait until you’ve found your dream home to consult a mortgage broker. Getting expert advice early on will help you understand your borrowing capacity and address any potential issues before they arise, ensuring you’re fully prepared when the right property comes along.
Starting early also allows you to strengthen your financial situation—whether by reducing debts, building savings, or improving your credit score—before making your loan application. This can increase your borrowing power and minimise the chances of delays.
Surry Hills Experts with 25+ Years of Experience
We have an in-depth understanding of the Surry Hills property market and provide tailored advice to meet your unique needs.
Access to 40+ Lenders
We compare a broad range of loan products from major banks and specialised lenders, ensuring you get the best deal.
Free, Transparent Service
Our services come at no cost to you. We’re paid by the lender once your loan is settled, and we disclose all fees upfront for complete transparency.
Flexible Appointments
We offer appointments that suit your schedule, whether you’re based in Surry Hills or overseas. Virtual meetings are available for your convenience.
Ongoing Support
Our support doesn’t end once your loan is approved. We regularly review your loan to ensure you always have the most competitive rate and continue to assist as your financial situation evolves.
MFAA Endorsed & Fully Licensed
As fully accredited members of the Mortgage & Finance Association of Australia (MFAA), we adhere to the highest standards in the industry.
Award-Winning Service
Our dedication to helping you reach your financial goals has earned us multiple awards and industry recognition.
The Surry Hills property market presents fantastic opportunities, especially in its outer suburbs. However, knowing which areas to avoid, such as those with oversupply, is crucial as lenders may view these as higher risk and require larger deposits.
Partnering with a local Surry Hills mortgage broker ensures you receive expert, personalised advice. We help you secure competitive repayments, useful loan features, and keep track of interest rate changes, so you always have the best deal. Working with a broker also provides insights into emerging suburbs where property values are expected to rise, potentially increasing your long-term investment returns.
At Unconditional Finance, we’ve streamlined the loan process, making it easy for you to focus on your financial goals. Here’s how it works:
Credit cards can impact your home loan approval, but managing them wisely can improve your borrowing capacity. Pay your bills on time, reduce your credit limits, or consolidate your cards to enhance your loan application.
Our experts will help you optimise your credit profile, making your application stronger for better approval chances and more competitive rates. It’s also worth considering closing any unused credit cards before applying, as this can improve your credit score. Knowing how lenders assess credit card debt in your borrowing capacity is another key factor in maximising your approval.
Low property valuations or credit scores can complicate the loan approval process. We address these challenges head-on by arranging free valuations and reducing unnecessary credit checks to protect your credit score and strengthen your application.
A strong credit score can improve your negotiating power with lenders, potentially resulting in lower interest rates or more flexible loan terms. Keeping credit inquiries to a minimum during your loan application is essential to avoiding any red flags.
While securing the lowest interest rate is important, choosing the right loan features can lead to even greater savings. Offset accounts, redraw facilities, and extra repayment options can help save you thousands over the life of the loan. Sometimes, a slightly higher rate with the right features can be more cost-effective.
We simplify the process by comparing the latest offerings from over 40 lenders. We help you find the best combination of interest rates and features to meet your financial goals. Features such as splitting your loan between fixed and variable rates can also offer stability and flexibility, allowing you to benefit from changing market conditions.
Lenders Mortgage Insurance (LMI) is an additional cost paid by the borrower 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 feasible, we’ll explain how LMI can still help you enter the property market sooner and how to manage these costs effectively. Some lenders also offer temporary LMI exemptions for specific professions or buyers in certain areas, so it’s worth exploring these options with your broker.
Each lender has its own credit policies that can impact your loan approval. At Unconditional Finance, we ensure your application aligns perfectly with lender requirements, reducing delays and boosting your chances of success.
Understanding the specifics of bank policies, such as how different lenders treat casual or freelance income, is vital for non-traditional earners. Our expertise in lender preferences ensures your application fits smoothly within their criteria, saving you time and avoiding frustration.
A great mortgage broker doesn’t just secure a loan—they simplify the process, provide personalised advice, and focus on your specific needs. At Unconditional Finance, we take the time to understand your financial situation and provide tailored loan solutions.
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. A good broker continues to monitor your loan after settlement, exploring refinancing opportunities as market conditions evolve.
Experience is key in mortgage broking. An experienced broker knows how to navigate bank policies, manage complex applications, and use their connections to speed up the approval process.
At Unconditional Finance, our brokers bring years of expertise in the Surry Hills market, positioning your loan application for success. Many of our brokers are property owners themselves, offering personal insights into the process. Additionally, our industry connections can help expedite approvals, and we know how to present your application to meet specific lender requirements, even in more challenging cases.
Choosing the right mortgage broker requires careful consideration. Look for positive reviews, valuable insights, and proven market expertise. Our brokers offer customised, trust-based advice—not generic solutions.
When selecting a broker, ask about their lender panel—broader options mean more choices for you. Ensure your broker is accredited by the Mortgage and Finance Association of Australia (MFAA) or the Finance Brokers Association of Australia (FBAA), as this guarantees they meet industry standards. Read Less
At Unconditional Finance, we’ve earned a reputation as one of Melbourne’s leading mortgage brokers. We specialise in delivering customised loan and refinancing options that save you time and money. With hundreds of five-star reviews from satisfied Australians and access to a wide range of lenders, we’re the trusted choice for all your Melbourne mortgage needs.
Customised mortgage solutions for every type of loan. Enjoy swift approvals and expert guidance whenever you need a home loan professional. Our services come with no extra fees. With over ten years of experience, we are fully licensed and highly reputable. Access competitive rates from a network of more than 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.
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.
Our services are completely free. We’re compensated by the lender once your loan is settled, with all fees fully disclosed upfront for transparency.
No, we offer virtual consultations via phone, video calls, or email to make the process convenient, whether you’re in Australia or overseas.
We offer mortgage and refinancing services across Sydney, including the CBD and surrounding suburbs. Wherever you are in the Sydney metro area, we’re here to assist.
Your borrowing capacity depends on factors such as your income, credit score, and current debts. During your consultation, we’ll assess your situation and provide a clear estimate of your borrowing power.
We can typically secure your pre-approval within two business days, depending on your personal situation and the lender’s requirements.
Once pre-approved, the full loan approval process usually takes 1 to 2 weeks, depending on the complexity of your application and the lender’s guidelines.
Even if you’ve already spoken to your bank, it’s worthwhile consulting a mortgage broker. We 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 with the necessary documentation and find lenders who understand the complexities of self-employment.
Yes, we work with lenders offering loan products designed for people with less-than-perfect credit. We’ll evaluate your situation and find the best options available for your needs.
Yes, we can help with purchasing property internationally. We offer flexible services to guide you through the loan process, wherever you’re 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 lower your fees and reduce monthly repayments.
Yes, refinancing when rates drop can reduce your monthly repayments. We’ll assess your situation to determine if refinancing is right for you 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 keep it competitive and assist with adjustments like 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.
If your financial situation changes, we’re here to help. We can adjust your loan by refinancing, switching loan types, or adjusting your repayment terms to suit your new circumstances.
To begin, we’ll need details such as your income, expenses, assets, debts, and the property you’re looking to buy. Our team will guide you through each step and assist with gathering the necessary information.
Booking a consultation is easy. You can schedule a free appointment online or call us at 130 048 4390. We offer flexible appointments seven days a week to suit your schedule.
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.
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