Unconditional Finance is a Sydney mortgage brokerage at Level 2, 140 William Street in Woolloomooloo. They sit at 5.0 stars across 414+ Google reviews, with reviews skewed heavily toward investment-property buyers, portfolio refinances and SMSF lending alongside the usual first-home and owner-occupier files.
Hours are 8 AM – 6 PM seven days a week, which is unusual in Sydney broking and shows up in reviews as fast turnaround on tight settlements. Service costs nothing directly — lenders pay on settlement. The team takes clients across Sydney metro and interstate via phone, email and Zoom.
The firm is led by Chris (Chris Raymond), who is repeatedly described in reviews as the lead strategist on complex portfolio and SMSF files. The team includes Will, TJ, Joel, Stephanie, Reece, Tylor, Ivan and Max on the broker side, with Nicole, Donna, Tori and Sofia visible in coordination and processing roles. Clients are typically paired with one lead broker plus a coordinator — for example Will + Nicole, TJ + Nicole, Stephanie + Michele, Joel + Nicole, Chris + Donna + Reece — so most files have two or three named contacts rather than one.
What clients say: portfolio and strategy work is the standout theme. Multiple reviewers describe 5, 10, even 15 loans settled with the firm over years, including trust structures, equity releases and SMSF lending. First-home buyers also feature, often noting plain-English explanation and short settlement timelines. Strong fit for investors building a portfolio, refinancers with multiple properties, and self-employed or trust-based borrowers. Less of a fit for borrowers looking purely for a quick rate-shop on a single PAYG home loan with no ongoing relationship.
Recent verbatim reviews. See the firm's Google profile for the full set.
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.
Stephanie C held our hands & stepped us through the process of buying our first home. From deciphering legal jargon and bank jargon, always answering the phone/messages, and chasing things up for us, there's no way we would've done it as easily as we did without her.
I can't reccomend Chris and his team enough. We have settled on our 2nd property in 4 months thanks to their hard work. They are professional and easy to deal with. They are fast with their responses. The team have a wealth of knowledge and were able to guide me to get the best outcomes.
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