Unconditional Finance: Trusted Mortgage & Finance Specialists

Unconditional Finance is a leading mortgage broking and financial services firm based in Sydney, Australia, specialising in tailored lending solutions for individuals and businesses navigating complex property finance. Known for its personalised approach and deep market expertise, the company helps clients secure competitive mortgage and investment finance as part of their broader financial strategy.

With over 25 years of combined industry experience and multiple industry awards, Unconditional Finance has established a strong reputation for delivering results-driven support to homebuyers, property investors and commercial borrowers alike.

What Unconditional Finance Does

Unconditional Finance offers a wide range of financial services, including:

• Home mortgage broking – assisting first-time buyers and established homeowners to find suitable home loans.

• Investment property finance – helping investors structure and obtain loans for residential and commercial property.

• Refinancing advice – reviewing existing loans and recommending strategies to reduce repayments or release equity.

• Business and SMSF loans – facilitating specialised finance for business growth or self-managed super fund strategies.

• Ongoing loan reviews and support – ensuring clients maintain competitive loan terms over time.

Unconditional Finance works with over 40 lenders, comparing hundreds of loan products to secure the most favourable terms for each client’s unique situation.

Leadership and Industry Recognition

The firm is led by founder Chris Raymond, an experienced mortgage broker and finance strategist. Raymond has been recognised as one of Australia’s top brokers, placing #13 in the Mortgage Professional Australia Top 100 Brokers and ranking #7 in The Adviser Elite Broker Rankings 2025. These accolades reflect Unconditional Finance’s strong performance and reputation within the competitive mortgage industry.

Under his leadership, the company has earned multiple industry awards in recent years, including:

• Broker of the Year at Bankwest Industry Awards (2024)

• Outstanding service and independent office recognitions

• Numerous individual awards for team members in professional excellence categories.

Who Are Their Ideal Customers?

Unconditional Finance’s services are tailored to a broad range of clients, including:

1. First-Time Homebuyers

Individuals or couples entering the property market for the first time benefit from expert guidance through the often complex mortgage application process.

2. Property Investors

Clients looking to build or expand a residential or commercial property portfolio, including leveraging equity for new opportunities.

3. Refinancers

Homeowners seeking better loan terms, reduced interest costs or access to equity through refinancing options.

4. Business and SMSF Borrowers

Entrepreneurs and self-managed super fund trustees requiring specialised loan structures for business or investment purposes.

5. Clients Needing Expert Guidance

Anyone who values personalised, responsive financial support and prefers a broker who can interpret complex lending landscapes.

Their diverse client base includes both local Sydneysiders and overseas investors, reflecting flexible support options including virtual consultations.

Why Choose Unconditional Finance?

Unconditional Finance’s key strengths include:

• Extensive lender access – broad market reach ensures competitive comparisons.

• Experienced leadership – award-winning brokers with deep industry insight.

• Transparent, client-centred service – clear communication and long-term support.

• Strategic advice – focused not just on loans but on long-term financial outcomes.

This client-first ethos has driven the firm’s reputation as a trusted partner for Sydney’s diverse property and finance community.

Unconditional Finance’s Market Position and Future Outlook

Unconditional Finance stands out as a respected mortgage and finance brokerage, combining market expertise with highly personalised service. With a loyal client base, strong industry recognition, and a focus on strategic outcomes, they continue to be a go-to choice for Australians seeking expert financial guidance in property finance and beyond.