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Mortgage Brokers in Toorak & Surrounding Areas

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Your Trusted Guide to Hassle-Free Home Loans In Toorak!

Expert Mortgage Advice for Navigating Toorak’s Exclusive Property Market

Finding the right home loan can be overwhelming, especially in Toorak, one of Melbourne’s most prestigious suburbs. With its luxurious homes, high-value investments, and competitive market, having a reliable mortgage broker by your side is essential. Whether a first-time buyer or a seasoned investor, the right broker simplifies the process and ensures you make informed decisions. At Unconditional Finance, we offer personalised mortgage solutions tailored to your needs, guiding you toward securing the best possible loan for your dream home in Toorak.

Why Work with Unconditional Finance in Toorak?

At Unconditional Finance, we stand out from the crowd. We’re not just mortgage brokers, we’re Toorak specialists with a deep understanding of the local market and property trends. With over 20 years of experience, we’ve helped numerous homebuyers and investors navigate the complexities of home loans, finding solutions that save time, money, and stress. By working with more than 40 lenders, from central banks to niche lenders, we ensure you get the most competitive interest rates and flexible loan terms that fit your financial goals.

What Sets Us Apart

Local Market Expertise: We know Toorak’s property market inside and out. Whether you’re purchasing a family home in its leafy streets or investing in a luxury apartment, we provide expert insights on the area’s real estate trends and values.
Personalised Loan Options: Your financial situation and goals are unique, and we understand that. That’s why we take a client-first approach, tailoring loan solutions that match your needs, whether you’re looking for a low-deposit option or a flexible investment strategy. We’re here to ensure that your loan is not just a number, but a reflection of your unique financial situation.Ongoing Support: Our service continues when you secure your loan. We offer continuous support, from regular loan reviews to help you adjust your mortgage as market conditions change, ensuring that your financial health stays strong.

Simplified Loan Comparisons for Toorak

Toorak’s property market is competitive, and navigating the countless loan products can be challenging. We simplify the process by comparing hundreds of loan options from our network of over 40 lenders. Whether you need a low-deposit home loan or are searching for flexible terms, we help you find a solution that fits your financial goals and current market conditions.

Market Insights and Property Guidance

Toorak’s real estate market is renowned for its luxury homes and high-value properties, so having the right advice is crucial. We provide in-depth market analysis, helping you identify the best opportunities for your investment while avoiding potential risks. Our team guides you through every detail so you can make confident decisions that align with your long-term financial plans.

Making the Most of Government Grants

First-time buyers often need to pay more attention to government grants that could significantly reduce the cost of buying property in Toorak. Our team ensures you take full advantage of these opportunities, such as the First Home Owner Grant (FHOG), and integrate them into your loan plan to lower your upfront costs and improve your financial position.

Choosing Between Fixed and Variable Rates

One of the most critical decisions in the home loan process is selecting between fixed and variable interest rates. Each has benefits: fixed rates offer stability, while variable rates provide flexibility. We’ll guide you through the pros and cons of each option based on your financial situation and Toorak’s market trends, ensuring you choose the best rate for your mortgage.

Unlocking Investment Potential

Toorak is not just for homeowners—it’s also a hotspot for property investors. With strong rental demand and premium property values, investing in Toorak real estate can be incredibly rewarding. We help you structure your loan to take advantage of rental income and maximise your return on investment while providing expert advice on managing tax benefits and multiple property loans.

Refinance and Save

Already own a home in Toorak? Refinancing your loan could unlock significant savings. As interest rates and property values change, we help you reassess your mortgage to see if there’s a better deal available. Our refinancing services ensure that you’re not overpaying on your loan and that your mortgage continues to work for you.

Boost Your Buying Power with Pre-Approval

Toorak’s market moves fast, and being prepared can give you a competitive edge. Getting pre-approval on your home loan gives you the confidence to know your budget, strengthens your offer to sellers, and speeds up the purchasing process. We’ll walk you through the pre-approval process so you can act when the perfect property arises.

Reduce Lenders Mortgage Insurance (LMI) Costs

Lenders Mortgage Insurance (LMI) can add a significant cost if your deposit is less than 20%. However, there are ways to minimise or avoid it. We offer strategies such as increasing your deposit or adjusting your Loan-to-Value Ratio (LVR) to help reduce LMI and secure more favourable terms.

Credit Management for Loan Success

A good credit score is essential when applying for a mortgage. Our team provides tailored advice on managing your credit cards and any existing debt to ensure your application is as strong as possible. If you need help with credit repair, we’re here to ensure your finances are in the best shape for loan approval.

Handling Complex Lending Policies

Different lenders have different policies, and navigating them can be tricky. At Unconditional Finance, our in-house credit team works closely with lenders to ensure your application meets all criteria, reducing the risk of delays or rejections. We take the stress out of the process so you can focus on your new home or investment.

Navigating Property Valuation Challenges

Low property valuations can hinder your home loan application. To avoid this, we offer upfront valuations, allowing you to address any issues early and protect your credit score. By managing potential setbacks from the start, we ensure a smoother property purchase or refinance experience.

Start Your Home Loan Journey in Toorak

Securing the right home loan is more than finding the best rate—it’s about having the right team to guide you through the process. At Unconditional Finance, we’re committed to making your property journey as seamless as possible. Whether buying your dream home or expanding your property portfolio, our expertise in Toorak’s market ensures you’re in good hands every step.

20+ Years of Experience | Access to Over 40 Lenders | No Extra Fees for Our Service

Your Toorak Mortgage Broker Excellence

At Unconditional Finance, we’ve built a solid reputation as one of Toorak’s top mortgage brokers. We specialise in providing personalised loan and refinancing solutions designed to save you time and money. With access to an extensive network of lenders and countless five-star reviews from happy clients, we’re your trusted partner for all your mortgage needs in Toorak.

Proactive & Client-Centric

WE HELP TOORAK RESIDENTS

Personalised Mortgage Solutions for Every Loan Type. Fast Approvals and expert support when you need a home loan specialist. No Extra Fees for our professional services. With over a decade of industry expertise, we are fully licensed and trusted. Unlock competitive rates from over 40 major banks and lenders.

Fully Licensed And Accredited

20+ Years Experience

Melbourne Specialists

We Work With 40+ Lenders

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 provide personalised services. Whether you need a business loan or a home loan, as expert mortgage brokers in Sydney and Melbourne, 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.

EEAT Components — Unconditional Finance

$4.6B+

In Settled Loans

2,000+

Sydney Clients

60+

Bank & Lender Partners

100+

Years Combined Experience

5.0 ★

Google Rating (400+ Reviews)

Trusted by Sydney Homeowners

5.0 rating from 400+ verified Google reviews

Unconditional Finance | Best Mortgage Brokers in Sydney

5.0

Based on 408 reviews

review us on

Jamie Sadler

02:08 27 Jan 26

Chris and the team were fantastic to deal with after being reffered to them for our investment property purchase. They made everything really easy and were very prompt with communication for requirements and updates as well as ensuring the settlement went smoothly, would highly recommend this company for your brokerage needs. Thanks Chris and Team, see you again soon for the next one 😉

Sam

04:02 23 Dec 25

Dealt with Chris, Donna and Reece and had a great experience. Made life super easy getting finance and sorting out all the paperwork online with the best rate recommend for an investment property.
I do highly recommended the team and will be back.

Thanks Sam

Joshua Jackson

03:37 21 Dec 25

Unconditional Finance has been instrumental in helping me build and manage my property portfolio. At last count, they’ve assisted me in settling 15 loans across a mix of mortgages and equity releases, and the consistency of their service has been outstanding.

Before partnering with Unconditional Finance, I worked with five other brokers. I knew there had to be a broker out there who could genuinely understand complex structures, think strategically, and support broader long-term financial goals — and Unconditional Finance has absolutely delivered.

Chris is a true industry leader and clearly at the top of his game. His depth of knowledge, strategic thinking, and ability to navigate complex lending scenarios sets him apart. Special thanks also go to Will and Nicole, who have been fantastic since we partnered with Unconditional Finance — although the entire team has been exceptional in all my dealings. Their responsiveness, attention to detail, and ongoing support make the entire process seamless.

Janet Pham

22:02 18 Dec 25

TJ and Nicole were absolutely incredible throughout my finance application. From the very start, they made what could have been a stressful and overwhelming process feel smooth, clear, and genuinely easy.
Their communication was outstanding — I always knew exactly where things were at, what was needed from me, and what the next steps were. They were proactive, thorough, and clearly had my best interests at the centre of every recommendation.
What really stood out was how personal the service felt. TJ and Nicole took the time to understand my situation, explained everything in plain English, and were always available to answer questions (no matter how small). I felt completely supported and confident the entire way through.
I couldn’t recommend them highly enough and wouldn’t hesitate to use them again or refer friends and family. Thank you both for such an exceptional experience.

Kirsty Hudson

22:59 15 Dec 25

I have been working with Unconditional Finance for several years and can't recommend them highly enough. All interactions have been fantastic. Their knowledge is fantastic and they have worked some magic for me when needed. Looking forward to continuing to work with them in the future.

Jo Polles

02:58 15 Dec 25

We had a great experience with Unconditional Finance. Will was professional, responsive, and explained everything clearly throughout the process. He made what could have been a stressful experience feel straightforward and well-managed. We felt well supported at every step and wouldn’t hesitate to recommend Will and the team at Unconditional Finance.

Cyril Sansano

00:27 15 Dec 25

Will & UF team went above and beyond at every step, especially when everything needed to move fast. Will's communication was outstanding — always proactive, always clear, and always available by SMS or email whenever I needed answers. Even when the banks made things more difficult than usual, Will stayed on top of it all and got the deal done. I honestly can’t recommend him highly enough — without a doubt one of the best mortgage brokers I’ve worked with over the years.

Chris Williams

22:04 10 Dec 25

Joel, Nicole and the team at Unconditional finance were a pleasure to deal with, they explained everything in simple terms, no problem was too much to deal with. They made the whole process a smooth, stress free experience, would recommend their services.

Mr R

10:41 17 Nov 25

First class service from Chris, Will and the team at Unconditional Finance. They came highly recommended from multiple sources, and clearly understood my goals and limitations from the onset. Nothing was too hard, and they were able to deliver a timely lending solution, solving all the challenges along the way. The outcome was beyond expectations, and I would actively seek to work with them again.

Mary Elliott

02:18 03 Nov 25

Joel, Tori, and Nicole at Unconditional Finance were incredibly helpful and supportive for us as first home buyers. With no knowledge of any of the processes involved with applying for a mortgage, they were extremely attentive and knowledgeable, allowing us to glide through the process without any issues whatsoever. They were also able to assist us with finding a great conveyancer! The whole team was very friendly, relaxed, and ready to answer any of our questions. We highly recommend Unconditional Finance to anyone looking for a mortgage broker, will definitely be speaking to them again ourselves when the time comes!

Mark Giraffe Gruzauskas

23:39 23 Oct 25

We've worked with Unconditional Finance for a few applications now and each time we are very pleased with their services. Each of the people we've worked with have been phenomenal. In particular, our latest mortgage was arranged by and overseen by Stephanie - who has been instrumental in us securing land for our future dream home. She has incredible communication, professionalism and efficiency. We felt very well taken care of by her and feel extremely lucky to have been working with her in this journey. From our experience with Chris and the rest of the team at UF, we can confidently say everyone on the team is more than capable and qualified. A special thankyou to Stephanie for helping us get one step closer to our dream and we look forward to working with you again when it's time to build!
Mark and Aleska

Hari P

21:32 22 Oct 25

Excellent team and provides the best possible for the clients with fast turnaround times.

Response from the owner 00:42 15 Jan 25

Thanks for the 5 stars Hari! Pleasure working with you!

Mitch

10:16 16 Oct 25

Stephanie and Nicole from Unconditional Finance have been absolutely amazing to deal with . From start to finish, clear communication, and genuine care made the whole process seamless and stress free. They both went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand no questions were never not answered in a prompt and detailed response
My wife and I could not recommend them enough.

Pramu Chandraratne

23:12 15 Oct 25

Will, Donna, and Nicole were fantastic to deal as a first home buyer. They communicated well and were professional from start to finish. They were particularly helpful through a tricky settlement process. Highly recommend 🙂

Nichole Kostal

04:05 04 Oct 25

Could not fault our experience with UF. Will Pengly is thorough, efficient and makes the process as easy as he possibly can.
Definitely repeat clients here! Thanks Will.

Harley Makin

18:33 02 Oct 25

My partner and I have recently started working with Chris, Reece and his team and could not recommend highly enough. The attention to detail and the strategies they use to help us understand how to continue building a property portfolio has been incredible. They are professional and take their work and results seriously but don't take themselves too seriously therefore making the experience very pleasant. They are always an email, phone call or zoom meeting away if you ever need it too which is comforting and adds to the smooth experience. We look forward to a long relationship and are excited about our future working with this organisation.

Ben Cross

02:31 23 Sep 25

Unconditional Finance made the entire process of buying my home smooth and stress-free. They guided me every step of the way, answered all my questions, and went above and beyond to make sure everything was handled quickly and professionally. I couldn’t be happier with the support I received and highly recommend them to anyone looking for finance help!

Jasmyn Watkins

10:12 21 Sep 25

Thank you to the Unconditional Finance team for assisting us with our mortgages. And special thank you to Chris for looking after us. From J&S

Michael Hilton

08:35 10 Sep 25

Chris and the team at Unconditional Finance have been absolutely outstanding. From start to finish, their professionalism, clear communication, and genuine care made the whole process seamless and stress-free. They went above and beyond to ensure everything was handled promptly and explained in a way that was easy to understand.

I couldn’t recommend Unconditional Finance highly enough. If you want knowledgeable, reliable, and friendly finance support, this is the team you need.

Kirsten Watkins

01:00 05 Sep 25

Five star review for Unconditional Finance here!
Chris and his team have been able to secure two tricky mortgages for us over the last three years. Chris, TJ and Nicole's customer service has been amazing - friendly, supportive, and professional, always. We have been so pleased with their results and service, we have referred them to friends, who have also used Unconditional Finance to secure their loans.
Thank you guys, keep up the great service!

Atil Pekin

22:25 03 Jul 25

I had a fantastic experience working with my broker at Unconditional Finance. From start to finish, the service was professional, prompt, and tailored to my needs. They took the time to clearly explain every step of the process and made what can often be a stressful experience feel smooth and manageable.

What stood out most was their commitment to finding the best solution for my situation. Communication was always timely and transparent, and I felt genuinely supported throughout. It’s clear they prioritize their clients’ best interests, and their expertise made all the difference.

I wouldn’t hesitate to recommend Unconditional Finance to anyone looking for reliable, knowledgeable, and friendly financial service. Thank you again for Chris and the team for your outstanding support!

Matt Murray

03:09 17 Apr 25

Great team. Very friendly and helpful.

Liam Chambers

22:23 15 Apr 25

Chris and Ivan recently helped me refinance my entire portfolio which is beginning to become a complex task, with new trust set ups and properties in my personal name becoming involved, they were all over it and helped me every step of the way structuring it so that I could continue to build out my portfolio
Cheers legends can’t wait to work with you guys again soon!

Richmond Gonzales

00:30 11 Apr 25

When I was buying a new property to live in, I encountered a problem in securing a home loan after I signed the contract of sale with a tight settlement period of only 45 days, I contacted so many financial and mortgage broker that I could find to help me secure a loan quickly. But only Chris Raymond of Unconditional Finanance had given me a sound solution and helped me refinanced my apartment, secure the maximum equity I can get, and use it to pay off the new property. Chris with his team worked hard and very quick, so I could beat in record time, the settlement deadline. Chris and his team were also very professional, reliable and responsive throughout the entire process. I will definitely recommend Unconditional Finance to others that might need a fnance or mortgage broker. More power to Unconditional Finance!

Christiaan M Van Den Heever

22:44 08 Apr 25

Megan Smith

21:19 04 Apr 25

Joel, TJ, Nicole & the team at Unconditional Finance has made my refinancing and subsequent investment property purchase seamless. The prompt response to any questions was reassuring as was the professional way any concerns were met. My family and I have put our trust in the team at Unconditional Finance more than once now and are very happy with the results.

Fabian Farley

05:26 04 Apr 25

Working with Chris and Ivan for second time was an easy experience there true professionals who get the job done fast and efficiently, answering any questions I had along the way taking all the stress out of it The team have been able to secure a loan through my smsf. Highly recommend to anybody wanting to secure any type of loan and advice once again thanks to whole team

Alex Bartolo

01:51 04 Apr 25

I couldn't be happier with the support and service delivered by Joel Cross and his team.

Look no further if you are looking for a mortgage broker which provides the following:

Prompt with replying to correspondence.
Make a complex process straight forward
Speak in lay terms as opposed to finance jargon
Provide prompt solutions and intervention when encountering hurdles.

All in all, a fantastic experience and I recommend to anyone who is going through the often-daunting process of choosing a mortgage.

Simone

01:23 04 Apr 25

I had another fantastic experience working with
Chris and his team at Unconditional Finance.
Chris is incredibly knowledgeable, responsive and dedicated
to finding the best mortgage options for me. Unconditional
Finance has made my investment journey possible. The entire process always run smoothly and stress free. I wholeheartedly recommend Chris and all of the Unconditional Finance team to anyone looking for a reliable and trustworthy mortgage broker. As always a big thank you to Chris , Will ,Max ,Donna and Stephanie.

Keiran Sinnan

00:49 04 Apr 25

Chris and Tylor from Unconditional Finance were nothing short of impeccable with their services, efforts and diligent communication throughout the process of securing our loan. As this was our first home the process was overwhelming, but Chris and his team provided unwavering support and guidance from end to end. They secured us an excellent option for finance and also made sure we were satisfied and comfortable at every stage in the process. Highly recommend Chris and his team!!

joshua o'toole

07:06 03 Apr 25

Unconditional finance and their team were great. Made the process easy to understand and to follow.

Hasan Bhuiyan

02:34 03 Apr 25

Casey Turner

02:22 03 Apr 25

Joel and the team are amazing !
Wouldn’t go anywhere else

M Suhail Tahir

06:30 23 Mar 25

Review for Tylor – Exceptional Broker!

I had an outstanding experience with Tylor—he truly went above and beyond to make the entire process seamless. From launching my application to handling all bank communications, he took full responsibility and made everything effortless for me. His excellent communication, fast response, and get-things-done attitude set him apart. Super energetic and always on my side, I knew I could trust him completely.

Unlike other brokers in Sydney who left me stranded with no updates, Tylor stepped in, took charge of my case, and got it done. Unconditional Finance wasn’t initially on my radar, but thanks to Tylor, they’ve earned my highest recommendation. If you want a broker who truly delivers, he’s the one to trust!

Andrew O'Brien

01:06 18 Mar 25

Joel @ Unconditional Finance is awesome. Found the perfect mortgage package and was super helpful and always available whenever anything came up during settlement!

Pharrah Underwood

22:43 24 Feb 25

Chris, Tylor and the team at Unconditional Finance have been so great to work with. They are fantastic with communication and updated us along the journey. They are always happy to answer any 'silly' questions I may have had. I really feel they want us to succeed in our investing journey and have our best interests at heart. I highly recommend this Broker company.

Kelly West

07:49 18 Feb 25

The team at Unconditional Finance have been amazing, they've helped us investigate our options and land on the best way forward.
Whenever we had any questions (and we had many) they were ready and waiting with answers.
Unconditional Finance made the whole borrowing process much simpler.

Taylor Rainey

00:29 14 Feb 25

Steve Clarke

22:03 13 Feb 25

I have had Joel and his team help us with our first property build, and I have been so impressed with their knowledge, service and communication. We have had some curve balls thrown at us, but throughout the process they simply got on with the job and we have had a better outcome that I thought we would.

Tui-Terina

21:09 13 Feb 25

Chris Raymond went over and beyond to get us financed for our first Investment property. Even being self employed and already having a home on mortgage he got the job done. I would definitely recommend him and his services. Tui Martin Brisbane

Levon & Andrea Wilson

11:31 11 Feb 25

My husband and I used Unconditional Finance for the purchase of our first investment Property. They performed above and beyond our expectations. They were so helpful, answered all our questions and helped us through the process. We highly recommend the Unconditional Finance team. We will be using them again. Thank you team!

Kylie Leahy

23:38 08 Feb 25

We couldn’t be more impressed with the outstanding service provided by Chris and the team at unconditional Finance! This is our second time working with them, and once again, they went above and beyond to make the process smooth and stress free. Their communication was excellent, every question we had was answered quickly and thoroughly. They were always helpful, professional, and truly had our best interests at heart. We highly recommend Unconditional Finance to anyone looking for expert guidance and exceptional service.

Sarah Whiting

22:56 01 Feb 25

We had a great experience with the team at Unconditional Finance, they were always available to ask questions and hold our hand through the process! Would highly recommend!

Anthony Tedesco

05:01 01 Feb 25

Thanks to the team for their professional advice and guidance during my recent property purchase. Will thoroughly explained the different borrowing scenarios and Donna was very helpful during settlement particularly when it fell over the Christmas period.

Would highly recommend Unconditional Finance!

Alexandra Hayes

05:03 31 Jan 25

Really appreciate it

Josh w

21:45 30 Jan 25

Nothing but the best service from Chris and his team. Dealing with Reece was a pleasure, lots of guidance from the get go and life a breeze

Would highly recommend Unconditional Finance

Brian Foody

04:11 28 Jan 25

So glad we connected with the team at Unconditional. Chris, Ivan and Nicole helped guide us through the process of refinancing our existing mortgage and securing a new one which felt intimidating but they made it a breeze. Thanks team!

J H

03:44 18 Jan 25

Chris and the team at Unconditional have been absolutely fantastic with us and have made what could have been a stressful process very straightforward.
We don't hesitate to recommend Chris as a broker- he is an amazing broker and we won't go anywhere else.
Thank you for all you've done for us Chris, we appreciate you immensely.
Jess and Rhys.

Joshua Kelly

00:43 31 Dec 24

Chris and the team did an amazing job with our refinance and a strategy moving forward. They have helped us to streamline all our loans to the 1 bank which makes managing the various properties much simpler. The team are investors themselves and that showed in how they recommended the loans were structured etc.

Highly recommend!

Katie Nicolas

19:42 23 Dec 24

We recently took our finances to the team at Unconditional and couldn't be happier. The process was smooth and so easy as they did all the work for us. It was also super speedy. I highly recommend Chris, Reece, Nicole and the whole team!

Verity

01:11 22 Nov 24

⭐️⭐️⭐️⭐️⭐️ Outstanding Service for First-Time Investor!

As a first-time property investor, I had countless questions and a lot of nerves going into the process, but Chris and his team made everything seamless. From the moment I reached out, they were incredibly responsive, patient, and knowledgeable.
They guided me step-by-step, ensuring I understood every part of securing financing, managing costs, and their attention to detail and clear communication gave me so much confidence, and I never felt rushed or overwhelmed.
I can’t recommend them enough to anyone looking to start or grow their property portfolio.
Thank you Chris and team!

Ibrahim Khatib

09:08 28 Oct 24

I can't recommend Chris and his team at Unconditional Finance enough! Their professionalism and expertise were invaluable during my home purchase process. From the very beginning, they provided clear guidance and support, making everything so much easier for me. Chris took the time to answer all my questions and ensured I understood every step of the process. I truly felt supported throughout. If you're looking for a reliable and knowledgeable finance team, look no further than Chris and his crew!

Jodie Giraudo

00:39 07 Oct 24

Fast, exceptional service and a great value for money home loan. The team provided an awesome solution and communicated with me every step of the way.

Brodie Wicks

21:18 06 Oct 24

Financial services made easy, very knowledgeable and nothing was an issue. Definitely using Unconditional Finance again.

Charles Toohey

00:45 01 Oct 24

Joel and Nicole made light work of getting my house finance sorted.

Jared Brown

08:00 25 Sep 24

Chris and the team have been amazing thank you so much for all your help! Ill be using you guys for the next purchase also legends

Tiana Conlon

01:27 25 Sep 24

Recently just bought our first house and Chris, Ryan and Nicole and everyone at Unconditional finance went above and beyond to help make it happen. They were fantastic from start to finish and still continue to help us if needed. Highly recommending to everyone I know. Keep up the great work legends! 🙌

Neil Missingham

08:32 09 Sep 24

Joel, Ivan and Nicole are absolutely the most trustworthy and committed team I have had the fortune of working with and recommend unconditional finance whole heartedly over any where else.

In addition, they also made recommendations for their partners in other areas that have also been instrumental in us owning our own home. I must encourage anyone who is unsure of where to start their homeowner journey to start with unconditional and they will absolutely steer you in the right direction with who to get connected with to make the who process much more enjoyable.

Cheers

Jessica Fell

02:20 30 Aug 24

I cannot recommend Chris and Renee enough. They were both absolutely incredible to deal with for my first property purchase. They were so supportive, extremely responsive and very knowledgeable and patient in answering any questions I had. The process felt a lot smoother and stress free having them on my team.

Waldemar Francisco Mapua

11:24 18 Jul 24

We have made the best choice in going with Chris and the Unconditional Finance Team for our first property purchase. They were there every step of the way to answer our questions and made sure we got the best deal possible. They were referred to us by a really good friend and we will definitely recommend them to all our friends and to anyone looking to purchase a property. Very professional and dealing with them was a breeze. Huge thanks again to the team for helping us become first time property owners.

Shari Zimmerman

23:21 15 Jul 24

Unconditional Finance team have been amazing. I have been conversing with Joel, Nicole and Will and I highly recommend them. They stepped me through my finance and refinance accounts in detail and notified me at every stage so I did not have to worry or stress. Very friendly, understanding and down to earth team.

Ricky Juzuf

22:55 10 Jul 24

Chris Raymond and his team has been a tremendous in securing a finance for me and my wife. It was pretty complex, however, they made it so smooth for us and essentially holding our hands through it all. Much appreciated guys. I'll be in touch in the near future.

Kathryn Bourke

01:57 09 Jul 24

Our experience with the team at Unconditional finance was exceptional: from first contact with Chris, excellent communication with Will throughout the loan application , and followup by Stephanie, who sorted all details of the loan setup once we had unconditional approval by the bank. We found them all friendly and available to answer all our questions.
Thanks team!

Michael Lyon

23:24 04 Jul 24

Appreciate Chris and the team's great service. Really knowledgable and helpful through the full process.

dandiesel27

09:13 04 Jul 24

Joseph Matchado

03:36 03 Jul 24

With my very first investment property just settled, I am so happy that I had Chris, Ryan and the team making it a reality.
From the inception of my plan to invest, all the way till settlement, they had 100% skin in the game, helping me navigate through the process of refinancing and securing the required loans in the right structure. And not forgetting their patience in guiding me through those silly doubts & confusion I might have had at (most) times.
I can't recommend Unconditional Finance highly enough, to help anyone out there to achieve the dream of their first home or investing in property.
Thank you so much Chris and team!!!!

Mitch Kimber

02:24 11 Jun 24

Very personable brokers, I've felt engaged at every step of the process and the team is excellent with response times to any of the questions and queries I've had.
The outcome so far has been fantastic, they have tailored packages that are very suitable to myself and how I like to engage with lenders.
Would recommend and I will use them again.

Jess McLean

01:52 31 May 24

Highly recommend Joel and Ivan at unconditional finance. We used their services to refinance our existing investment property and secure a loan on a second property. We were guided though the entire process and the communication we received was second to none! Our experience very pleasant! Will definitely be using again in the future!

Korryn Campbell

05:25 29 May 24

Chris, Ivan and Jade....what a power team. They have guided us though the whole process of our investment loan and could not recommend them enough. Truly an amazing team. Thanks so much team 🙂

Andrew Seck

12:21 25 May 24

Nicole, Chris and Renee at Unconditional Finance have been absolutely outstanding.

They've supported us every step of the way, and have always available when we've had a question or needed assistance. Nothing was too much trouble. The other thing that was reassuring, was how seamlessly the team worked with our other stakeholders.

We couldn't recommend Unconditional Finance highly enough.

Jordy Alexander

11:45 20 May 24

We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services provided by Chris Raymond and his team (we never met them in person as we both live in Melbourne and they operate from Sydney office). From the outset, they have been incredibly attentive and dedicated to finding the best solutions for my mortgages (owner occupied and investment properties) and financial needs.

Chris and his team are not only highly knowledgeable and experienced in their field but also approachable and professional in their interactions. Their commitment to delivering top-notch service and personalised financial solutions is truly commendable.

We highly recommend Unconditional Finance to anyone in need of expert financial advice and support. Their outstanding services have consistently exceeded my expectations, and we are grateful for their ongoing assistance in securing our financial future.

Sincerely,

Adolfus and Giovanni

Asher McGlone

20:30 15 May 24

I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to refinance my home loan. They were incredibly friendly, provided me with lots of options, and always took the time to answer all of my questions.

I highly recommend Unconditional Finance for anyone looking for mortgage assistance. Chris, Mitchell, and Nicole were a pleasure to work with, and I'm grateful for their professionalism and friendliness. If you're searching for a mortgage broker who goes above and beyond, give Unconditional Finance a try—they won't disappoint!

Pandji Christian

03:27 10 May 24

Chris Raymond from Unconditional Finance is a consummate professional. Him and his team have made my property purchase and selling much less stressful. Despite having many customers, Chris still finds time to sometimes chat on the phone directly, especially we are not used to the processes. I highly recommend Unconditional Finance for your property financing needs.

Our People

Meet Our Award-Winning Mortgage Brokers

Experienced professionals delivering strategic lending advice, seamless execution, and long-term financial confidence.

About Our Team

Chris Raymond

Principal Finance Broker

18 Years in the Industry

Founder and multi-award-winning broker specialising in strategic loan structuring for long-term portfolio growth. #1 SFG Top 50 Loan Writer and 2025 Broker of the Year.

Credit Representative (486040) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Chris

Joel Cross

Senior Mortgage Broker

7 Years in the Industry

Portfolio-focused broker helping clients build repeatable, strategic property investment success. Ranked #23 Top 50 Loan Writer with SFG.

Credit Representative (558056) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Joel

Stephanie Coleman

Operations Manager

16 Years in the Industry

Highly organised finance professional ensuring smooth, efficient progress from submission to settlement. Nominated for Best Administrator by SFG.

Credit Representative (455589) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet Stephanie

William Pengly

Credit Analyst / Broker

15 Years in the Industry

Former banker with deep lender process expertise, crafting strong applications for consistently smooth approvals.

Credit Representative (549331) of Mortgage Specialists Pty Ltd ACN 612 422 178 · ACL 387025

Meet William

Thien (TJ) McCarthy

Credit Analyst

8 Years in the Industry

Strategic analyst with strong banking and broking experience, supporting confident investment decisions.

Meet TJ

Reece Gerungan

Credit Analyst

5 Years in the Industry

Detail-driven analyst focused on compliance, clarity, and client-first lending support.

Meet Reece

Nicole Mlinaric

Settlements Specialist

17 Years in the Industry

Settlement expert known for friendly communication and delivering smooth, stress-free completions.

Meet Nicole

Proven. Strategic. Results-Driven.

Why Australian Borrowers Choose Unconditional Finance

We don't just "compare rates." We structure loans correctly from day one — improving approval strength, borrowing power, and long-term flexibility.

We Architect Loans — We Don't Just Arrange Them

Strategic structuring designed to protect, optimise, and grow your wealth — not just secure approval.

Structured for Approval — Not Guesswork

We match lender policy before price. Cleaner submissions, fewer conditions, and stronger outcomes — even for complex income, trusts, SMSF and multi-property portfolios.

Led by a #1 Ranked Loan Writer

Founded by Chris Raymond — multi-year Top 100 broker and 2025 Broker of the Year. Nationally recognised performance, not theory.

Fast, Controlled Execution

Most pre-approvals within 2 business days (case dependent). We manage documentation, lender communication, and settlement end-to-end.

60+ Lenders. Zero Favourites.

Major banks + specialist lenders. We choose based on policy fit and structure — not convenience or habit.

Support Beyond Settlement

Your loan is reviewed regularly (often every 6 months where eligible) to keep pricing competitive and structure aligned with your long-term goals.

Experience That Protects You

Licensed since 2017, we've navigated rate cycles, APRA changes, and shifting markets — structuring loans built to stand the test of time.

Free Service: No Broker Fees

Our service is completely free to you. We're paid by the lender after settlement — expert strategy and ongoing support at zero out-of-pocket cost.

Structured for Long-Term Family Security

We stress-test repayments, plan buffers, and structure loans for flexibility — so your mortgage supports your lifestyle, not strains it.

Recognition

Awards & Industry Recognition

Year-by-year highlights of the awards earned by our brokers and business.

View All Awards

Top Mortgage Employers 2025 award badge — Top Mortgage Employer · 2025

2026

#1 SFG's Top 50 Loan Writers (2024/2025 FY) Chris Raymond
SFG (Specialist Finance Group) · Won · Feb 2026

2025

Broker of the Year (Residential) — Australian Mortgage Awards Chris Raymond
AMA · Won · Oct 2025
#7 Elite Broker Ranking 2025 — Residential Chris Raymond
The Adviser · Won · Oct 2025
Top Mortgage Employer Unconditional Finance
MPA Magazine · Won · Oct 2025
Outstanding Professional Services Unconditional Finance
Local Business Awards · Won · May 2025
Brokerage of the Year (6–20 Staff) Chris Raymond
AMA · Finalist · Aug 2025

2024

National Residential Broker of the Year (Volume) Chris Raymond
SFG · Won · Nov 2024
NSW Broker of the Year Chris Raymond
SFG · Won · Nov 2024
#23 Top 50 Loan Writer Joel Cross
SFG · Won · 2024

2018

Broker of the Year Unconditional Finance
Bankwest · Won · 2018

Unconditional Finance team accepting the 2025 Outstanding Professional Services award

As Seen In

Featured In Leading Industry Media

Our team is regularly invited to share market insights across Australia's most respected mortgage publications, podcasts, and award programs.

Media Feature

Quoted in The Adviser

Commentary on the Home Guarantee Scheme and self-employed policy changes.

Jul 2024 Jul 2025

Podcast

The Investor Lab

Maximising borrowing capacity for property investors.

Amazon Episode

Major Award

Broker of the Year 2025

FBAA Residential winner at the Australian Mortgage Awards.

MPA Official

Ranking

MPA Top 100 Brokers

Chris Raymond listed among Australia's top mortgage brokers.

View Ranking

Team

Women in Finance

Stephanie Coleman — Administrator of the Year & MPA Elite Women.

2025 Winners Elite Women

All sources linked above are independent media coverage, official awards pages, and published industry rankings.

Loan Solutions Just for You

First Home Loans

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

Refinance a Loan

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

Renovation Loans

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

Investment Loans

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

Trust Loans

Simplify trust property purchases with customised lending solutions for trusts and trustees in Melbourne and surrounding areas.

Rentvesting

Achieve property ownership while renting in your desired location with innovative rentvesting loan solutions in VIC.

Business Loans

Empower your business with flexible funding options tailored to meet your unique operational needs in Melbourne and surrounding areas.

SMSF Loans

Leverage your Self-Managed Super Fund to invest in property with specialised SMSF loan products in Melbourne.

Home Equity Loans

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

LMI Waived Loans

Save on Lenders Mortgage Insurance with loan options tailored for eligible borrowers in Melbourne and surrounding areas.

Second Home Loans

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

Bridging Loans

Transition seamlessly between properties with short-term financing for home purchases in VIC.

No Deposit Home Loans

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

Changing Home Loan

Switch to a better mortgage deal with ease and enjoy potential savings in Melbourne and surrounding areas.

Equity Release (Age 55+)

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

Retirement Mortgage

Flexible home loan options to support your lifestyle during retirement in Melbourne.

Green Home Loans

Invest in eco-friendly homes or upgrades with loans supporting sustainability initiatives in Melbourne and surrounding areas.

Sophisticated Investor

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

Holiday Home Loans

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

Commercial Property Loans

Expand your business with tailored loans for purchasing or refinancing commercial properties in Melbourne.

NDIS Loans

Specialised funding solutions to support National Disability Insurance Scheme-related property investments in Melbourne and surrounding areas.

Guarantor Home Loan

Achieve homeownership faster with a guarantor loan that reduces upfront costs in VIC.

Work With Award-Winning Finance Brokers

How Unconditional Finance Serves You

Gain access to a vast network of over 40 lenders, offering hundreds of home loan products.
Our services are provided at no charge to you.
With over 25 years of experience in banking and finance, we specialise in home loans, investment loans, business loans, and more.
We offer flexible appointments 7 days a week, at a time and place that suits you, even if you're overseas.
We offer a relationship-based service, providing consistent support beyond just processing your loan.

We manage your entire home loan application process, ensuring you understand all the fees, set up correct loan repayments, and properly link your redraw facilities and offset accounts to your home loans.
We provide regular updates via phone, email, and SMS throughout the loan application process to ensure total transparency.
We review your variable interest rate every six months to ensure you always get the best possible rate for your mortgage.
We monitor your property’s value, keeping you informed about available equity or when it's possible to release the guarantors on your home loan.
As your trusted Melbourne mortgage broker, we possess the highest level of qualifications in the industry.

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

Investment Loan

Personal Loan

Car Loans

Business Loans

Calculators

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

What Our Customers Say....

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

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

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

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

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

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

Learn More About Finance Broking

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Our Banks/lenders

Learn More About Finance Broking

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

Training and Education

Gap Analysis of training needs, preparation and organization of remote and/or face-to-face training and training courses.

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)

No, our services are completely free for you. The lender pays us a commission once your loan is settled, and we make sure all fees are clear upfront. Working with a mortgage broker won't raise your loan payments—it can actually help you save money.

It's easy to book a free consultation. You can set up an appointment on our website or by calling us at 130 048 4390. We’re available seven days a week and offer flexible times to suit your schedule.

No, you don’t have to meet us in person unless you prefer. We offer virtual meetings via phone, video call, or email, making it convenient for clients anywhere, including those overseas.

We work with over 40 lenders, including major banks and specialised lenders. This wide range allows us to find the best loan options that suit your unique financial situation.

We usually get pre-approvals within two business days, depending on your situation and the lender’s requirements.

Your borrowing capacity depends on several factors, such as your income, financial history, and the type of loan you’re applying for. During your consultation, we will calculate how much you can borrow and guide you through your options.

Yes, even if you’ve spoken to your bank, it’s still a good idea to consult with a mortgage broker. We can compare your bank’s offer with others to ensure you’re getting the best possible deal, often finding better rates or more suitable loan features.

If you’ve exchanged contracts but haven’t secured finance yet, contact us immediately. At Unconditional Finance, we can act quickly to secure the necessary financing and ensure a smooth settlement process.

Yes, at Unconditional Finance, we provide continuous support even after your loan has been settled. We review your loan annually and work with your lender to ensure you always have the most competitive rate. We also help you adjust your loan as your financial situation changes.

We provide mortgage and refinancing services throughout Melbourne, including the CBD and surrounding suburbs. Our mortgage brokers are available to assist clients across the entire Melbourne metropolitan area.

Mortgage Brokers in Toorak & Surrounding Areas

Innovative Solutions For Melburnians

Discover Tailored Mortgage Advice. Smarter Loan Plans, Brilliant Homes, Prime Toorak Locations, and Maximum Savings.

Your Trusted Guide to Hassle-Free Home Loans In Toorak!

Expert Mortgage Advice for Navigating Toorak’s Exclusive Property Market

20+ Years of Experience | Access to Over 40 Lenders | No Extra Fees for Our Service

Your Toorak Mortgage Broker Excellence

Proactive & Client-Centric

WE HELP TOORAK RESIDENTS

Fully Licensed And Accredited

20+ Years Experience

Melbourne Specialists

We Work With 40+ Lenders

Let Us Help You With The Right Finance Solution For You

The Unconditional Finance Difference

Meet Our Award-Winning Mortgage Brokers

Why Australian Borrowers Choose Unconditional Finance

We Architect Loans — We Don't Just Arrange Them

Structured for Approval — Not Guesswork

Led by a #1 Ranked Loan Writer

Fast, Controlled Execution

60+ Lenders. Zero Favourites.

Support Beyond Settlement

Experience That Protects You

Free Service: No Broker Fees

Structured for Long-Term Family Security

Awards & Industry Recognition

Featured In Leading Industry Media

Quoted in The Adviser

The Investor Lab

Broker of the Year 2025

MPA Top 100 Brokers

Women in Finance

Find Out Exactly WhatYou Can Borrow Today

Loan Solutions Just for You

First Home Loans

Refinance a Loan

Renovation Loans

Investment Loans

Trust Loans

Rentvesting

Business Loans

SMSF Loans

Home Equity Loans

LMI Waived Loans

Second Home Loans

Bridging Loans

No Deposit Home Loans

Changing Home Loan

Equity Release (Age 55+)

Retirement Mortgage

Green Home Loans

Sophisticated Investor

Holiday Home Loans

Commercial Property Loans

NDIS Loans

Guarantor Home Loan

Work With Award-Winning Finance Brokers

How Unconditional Finance Serves You

01

Apply Now

02

Get Approved

03

Receive Funds

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

FULLY LICENSED AND ACCREDITED

20+ YEARS EXPERIENCE

SYDNEY SPECIALISTS

WE WORK WITH 40+ LENDERS

PROACTIVE & CLIENT-CENTRIC SYDNEY MORTGAGE BROKER

Refinance

New Home Purchase

Investment Loan

Personal Loan

Car Loans

Business Loans

Calculators

What Our Customers Say....

Learn More About Finance Broking

Find Out Exactly What
You Can Borrow Today