Unconditional Finance in Woolloomooloo | Loan service

Unconditional Finance

Locality: Woolloomooloo

Phone: +61 1300 511 522

Address: Level 2, 140 William Street 2011 Woolloomooloo, NSW, Australia

Website: http://www.unconditionalfinance.com.au

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• Loan service
• Mortgage brokers

25.01.2022 FREE PROPERTY & FINANCE WEBINAR On Thursday 20th August at 11am (AEST) Chris Raymond from Unconditional Finance will be teaming up with Goose McGrath from @dashdotbuyersagents to present a webinar on the following topic... Property And Finance: What you need to know RIGHT NOW to get ahead. ... Our goal with this webinar is to give you clarity about what you can do to use this time to your advantage, so that you can create more security, prosperity, and freedom in your life. Today is your LAST CHANCE to register via the link in our bio. Looking forward to seeing you all there

25.01.2022 Dont let a silly fight over your mortgage get between you and your partner. If your mortgage is stressing you out, get in touch with us today to see if we can help find you a better deal and save you money. Times are tough right now for many people, and if this one little thing can make things slightly easier, why not do it? Talk soon!

24.01.2022 Buyers in NSW could be given the option to opt out of stamp duty and instead choose a smaller annual property tax, it was unveiled in the budget on Tuesday, with the government announcing it would begin a public consultation process on property tax reform. This proposed model would give buyers a choice to axe stamp duty at the point of purchase and choose an annual property charge instead, NSW Treasurer Dominic Perrottet said in his budget speech. There would be no impact ...unless you are purchasing a property and you make the choice to change. For everyone else, everything stays the same. To read more about the upcoming plans, click here: https://buff.ly/35IzEfa If you're based in NSW and you're looking to get into the market, we would highly recommend getting in touch with our team as soon as possible to see what these changes could mean for you

24.01.2022 Thanks for the 5 star review Anthony! And well done to our broker Joel, who is always getting great feedback from his happy clients

23.01.2022 Looking to buy a house? Make sure you create good relationships. If you want to make this process smooth, then having good relationships in place will definitely speed things up for you. Chat to your real estate agent, solicitor and your lender to make sure everyone is on the same page and understand what your plans are. Youll also have a fairly good idea where you stand too. Build relationships with local real estate agents; if they know what youre looking for, they c...an reach out to you when something suitable is listed with them. If youve developed a good relationship, they will likely provide you with some key insights into the property as well. Butter up your solicitor and keep them in the know of where youre at. It will make things easier come crunch time if they are prepared for your phone call and requirements. By getting your lender lined up, you can understand what your borrowing capacity is, so that you dont overextend yourself and only view properties that fall within your budget, saving you a ton of time and needless stress Unconditional House Hunting Tips - courtesy of @chris_unconditionalfinance

23.01.2022 Did you know that more than half of Australians find the process of purchasing property to be confusing, and difficult? Having a qualified team of brokers on your side makes all the difference...the best part? Ours is a completely free service, aimed at finding you the best possible loan for your unique situation!

23.01.2022 Dont miss out on buying your dream home at auction because youve waited too long to get finance approved! If youre currently looking to buy your first home, get in touch with us today to get the finance process sorted, so that youre ready to buy once you find that dream property

23.01.2022 More exciting news to come out of the RBA's recent rate cut... We now have a lender offering an incredible 1.89% rate 4 year fixed rate for Owner Occupiers - PLUS a $4000 rebate when you refinance with them* This is just one of the many fantastic home loan packages to be announced since the November rate cut, so if you've currently got a mortgage that you haven't reviewed for awhile, please get in touch ASAP - you could end up saving hundreds, even thousands of dollars.

22.01.2022 When choosing a home loan package, is it better to have a fixed or variable loan? Our CEO Chris Raymond answers this common question in the video below...

22.01.2022 Did you know we also help with motor vehicle and equipment finance? For the best deal on a car loan, book a free consultation with our friendly team today.

22.01.2022 Today the UF team are out for lunch to celebrate the #EOFY, after our record settlement month in June! Congratulations to all our clients who settled on loans through the 2019-2020 financial year; looking forward to the next one!

22.01.2022 What is a bank valuation? These are used to determine the Loan To Value Ratio in a home loan application and will impact the amount that a bank is willing to lend. Bank valuations are for mortgage purposes only. Say for example you own your own home, and now you're looking to buy an investment property using the equity in your home. The banks will send out a valuer to determine the value of your home, based on a number of factors, including the prices of comparable propert...ies in the area. Banks are usually very conservative with these valuations, as they want to protect themselves in incidences where: -The market may dip in value -The borrow might not be able to pay back the loan This means, that more often than not, the 'banks' value of your home is going to be less than the actual market value. When sourcing finance for a client who is hoping to use equity from their existing properties we order multiple valuations from different lenders, meaning we can choose the lender that is going to allow them to borrow the most.. One of the keys to being a successful property investor is to ensure you're working with experienced brokers to incorporate strategies like this. to maximize your ability to grow your portfolio.

22.01.2022 HUGE news for first home owners! The Federal Government announced today, that it will give eligible Australians a $25,000 grant to build or substantially renovate their homes. The government are implementing this scheme in an effort to boost demand in the construction sector and keep builders employed, in the aftermath of the COVID-19 pandemic. For more information on this grant, click here: https://buff.ly/2ACbrtC... If youd like to take advantage of this opportunity by building or renovating your home, get in touch with us today and our team will help navigate the best possible loan for this situation.

22.01.2022 Have you had your home loan reviewed recently?? Right now, the cash rate is at a historic low and banks are offering record low interest rates on home loans... We're saving clients hundreds, sometimes even thousands of dollars by reviewing and refinancing their loans right now. If you currently have a mortgage and you haven't had it reviewed in the last year or so, please don't wait any longer! Simply give us a call on 1300 511 512... Or book a free consultation with our friendly team here: https://buff.ly/31qwadb See more

21.01.2022 To all of our amazing clients and friends, Merry Christmas! From all of us here at Unconditional Finance, we hope you have an amazing day and enjoy special time with loved ones. Cheers

21.01.2022 Most people spend years saving up a deposit to buy a house. Then, once they begin the process of buying, they suddenly come across thousands of dollars worth of extra hidden costs... Here are a few of the hidden costs that come with purchasing a property, that many people often forget to budget for: 1) Stamp Duty... If you are a first home buyer, you may be able to receive a discount on this, depending on what state you live in. 2) Conveyancing fees Ie. A solicitor to handle the transfer of the property's title over to you. 3) Building and pest inspection This can cost around $400-$600. 4) Mortgage Registration and other bank fees If you're looking to get into the market, and want an experienced finance team to guide you through the costs (for FREE), then send us a message today!

20.01.2022 Huge thanks to Chris and the FirstMac team for the amazing Christmas gift Who else is looking forward to a bit of time off??

20.01.2022 Big thanks to Christopher for the kind words and positive review! Glad to hear your experience with us was smooth and stress-free

18.01.2022 A guarantor home loan allows family members or, in some cases, someone else who is close to you, to ‘guarantee’ a loan. This means they will be responsible for paying back the loan if you can’t. A guarantor usually has to offer equity (such as a percentage of their own home) as security for part or all of your mortgage. For a guarantor home loan you would borrow an amount from a bank and repay it, but the guarantor’s equity essentially acts as additional collateral should something go wrong, which means the bank could take possession of it if your guarantor also can’t meet the repayments. If you're considering applying for a guarantor loan and would like to learn more, book a free consultation with our team today, here: https://buff.ly/3evtK5V

18.01.2022 Recently our director Chris Raymond sat down with Goose McGrath from Dashdot - Buyers Agents to chat about the current lending market and answer a few questions and concerns. One of the big questions was around Jobkeeper payments, and whether or not recipients would be eligible for home loans...

18.01.2022 Buying property interstate can be daunting, so you want to make sure that obtaining finance isnt an added source of stress. If youre looking for a team to handle your loan seamless, then get in touch with us today

18.01.2022 Thanks for the amazing 5 star review Rylan! Its been a pleasure helping you and Chelsea with your property investment journey For those thinking of purchasing an investment property, we cannot stress the importance of using an experienced broker. You want your investment to be generating the maximum possible returns, which is only possible if youve structured your loan correctly and are paying the lowest possible rates. This is something that our amazing team can help set up for you - free of charge! Simply get in touch today, to see if we can help.

17.01.2022 Are you feeling a little confused about how to navigate property investment finance in the current environment? In this exclusive live event, were going to help you answer those questions and many more. On Thursday 20th August at 11am (AEST) Chris Raymond from Unconditional Finance will be teaming up with Goose McGrath from Dashdot Buyers Agents to present a webinar on the following topic...... Property And Finance: What you need to know RIGHT NOW to get ahead. Our goal with this webinar is to give you clarity about what you can do to use this time to your advantage, so that you can create more security, prosperity, and freedom in your life. Its worth noting that this is limited to 80 attendees only, so if you are interested in this, please make sure you register now and dont leave it to the last minute. You can register here >> https://buff.ly/2E5JwnU Looking forward to seeing you all there.

17.01.2022 Exciting news for owner occupiers! We now have a lender offering a 2.19% variable rate on loans up to 80% This is the lowest variable rate in the market! It means that if you have a $500k mortgage, your monthly repayments would only be $1896 over a 30 year loan term. A reminder that this is only avalible on owner-occupier loans, and terms and conditions apply - please reach out to us today via the link in our bio and we can assess whether or not youre eligible.

17.01.2022 Weve recently had one of the major banks release this incredible offer to first home buyers on their owner-occupier loans. If youre a first home buyer looking to purchase a home up to the value of $1M, you can now borrow up to 85% and pay only $1 in lenders mortgage insurance (which would normally cost up to $10k). Terms and conditions apply - please get in touch with our team today if you are a first home buyer and this interests you, and wed be happy to see if youre eligible.

17.01.2022 Simply send us a message today with your contact details and well reach out to see if we can help you get a better deal on your home loan. Our service is 100% free of charge, so you have nothing to lose, and everything to gain

16.01.2022 A simple, but very effective way to save more and pay down your loan faster. Work out yours (or your familys) essential weekly expenses and put together a strict budget. Sticking to this will result in more savings which can be put towards your home loan.

15.01.2022 Thanks for the lovely review, Amy! There’s a reason our clients keep coming back to us every time they need a new loan or refinancing - our team go above and beyond to make sure each client is being provided with the best quality service, and have all their questions thoroughly answered Tap the link below if you’d like to chat with us about your loans... https://buff.ly/3evtK5V

15.01.2022 Thanks for the lovely review Bek! While our team is based on Sydney, we do work with clients all over Australia. So if you need finance, get in touch with us today for a 5-star experience

15.01.2022 Who else agrees? Many of our clients are initially scared to take on new loans and mortgages for investments - however they soon find that once they are in control of their finances, other money-based fears start to disappear. #MoneyQuotes

14.01.2022 Property can be a very lucrative investment- however, in order to make sure youre getting the maximum benefits from your investments, you need to make sure your loans are structured properly - something that lenders dont often cater to. If you work alongside brokers like us - who are experienced in property investment loans - to obtain finance, well make sure your property portfolio is set up correctly

14.01.2022 Mortgage Brokers - We need you! We are looking for a hard working, hungry & self motivated mortgage broker to join our growing team. We have seen such huge growth within in our company, that we are again expanding. We have qualified clients ready to go from our referral partners in the property industry. ... To be considered for this role, you need a minimum 12 months mortgage broking experience. We work very closely with leading property investment groups and have a highly focused and results based team. The role will be predominantly in the residential lending space and a passion for property investment is a must! This is a Melbourne-based role working from the office of our main referral partner (working from home remotely during COVID 19) - in Moorabbin, VIC. For more details, and to apply for this fantastic role, click here: https://buff.ly/3g7nO1h

14.01.2022 Did you know that Unconditional Finance specialize in loans for small property development projects? If youre looking to establish yourself as Australias next property mogul and need an experienced finance team behind you, get in touch with our team today! You might even be eligible for the governments latest $25,000 grant, if youre choosing to build or renovate your own home - reach out if youd like to chat further about this.

13.01.2022 With all the chaos and economic turmoil that the first half of 2020 bought, its understandable that many people are keen to start fresh. What better time than now - the start of the brand new financial year. Now is a fantastic time to take a good look at your current financial situation - your income, your savings, your debt and your expenses. Are you earning as much as you could be? Are you saving enough?... Are you paying down debt quickly? Do you have unnecessary expenses that you can cut back on? Set aside some time this week to look over all these aspects of your financial situation, and put together some goals and plans to move forward into the 2020-2021 financial year.

13.01.2022 With everything going on in the world, is now a good time to refinance your home loans? The answer might surprise you. Watch the video below as our director Chris Raymond explains what is currently going on behind the scenes with loan providers...

11.01.2022 Thank you to our lovely clients Courtney and Jay for the thoughtful gift! Well done to our broker Joel who is always going above and beyond for his clients - you can see how grateful they are for his excellent work. If you need a broker like Joel to negotiate and handle your loans for you, then book a free consultation with us today!

11.01.2022 Lots of learning happening in the office today, with the team undertaking training for our new IT system This will certainly improve efficiencies and ensure that are clients are getting and ever faster, more streamlined service.

10.01.2022 Right now, the finance industry is more complex than ever, with the Covid pandemic shaking things up and causing mass changes to lending standards At Unconditional Finance, our team of expert brokers are here to help Australian's navigate these changes and get access to the best possible loans. Thanks for the fantastic 5-star review PJ!

10.01.2022 Never in the history of Australian lending, have mortgage interest rates been this LOW! These record breaking rates seen below, are available for owner occupiers on principle and interest (P&I) loans* PLUS there are some lenders offering huge bonus cash backs of between $2000-4000 for refinancing with them. If you haven't had your mortgage reviewed recently, OR if you're looking to purchase your first home, get in touch with our team to get a better understanding of your b...orrowing capacity and to see what interest rates you might be eligible for! *Terms and conditions apply.

10.01.2022 By utilising a home loan calculator, you can quickly work out how much you can borrow and what your loan repayments are likely to be. Once youve done that, you can then apply online to get conditional eligibility from your chosen lender. BUT, dont do this until youve got a fair idea of where youre looking to buy and which lender youre going with, as the minute you complete an online application, it will be recorded against your credit history. This is why chatting to a mortgage broker is key, so that they can do all the investigating and remove the risk to your credit rating. Unconditional House Hunting Tips - courtesy of CEO @chris_unconditionalfinance

10.01.2022 Thank you for the fantastic review Matthew! Given the current economic circumstances, theres never been a more important time to make sure that your loans are being handled by experts

10.01.2022 The Coronavirus Economic Response Package (Jobkeeper Payments) Amendment Bill 2020 was passed by Senate yesterday, extending the governments wage subsidy program by six months to 28 March 2021. As mentioned in a video we posted last week, those on JobKeeper payments are still eligible for home loans with certain banks. Please get in touch with us today if youre after a loan, and are concerned about this!

09.01.2022 HUGE BREAKING NEWS! Yesterday the Reserve Bank of Australia announced that they would yet again be cutting the official cash rate - this time to a record low of just 0.10% Now is not the time to be complacent... If you have a mortgage, this means getting us to review your loan ASAP and possibly refinancing if your lender isn't providing you with the best possible deal. If you're a first-home buyer, this means taking action NOW - apply for a consultation with our team to s...ee how much you can borrow, and which government grants and incentives you are eligible for! If you're an investor - there has never been a better time to borrow money and create wealth through property investment! This latest rate drop could save borrows hundreds, even thousands of dollars per year depending on the size of their loans. Please get in touch with our team today if you need help navigating this - our service is free of charge and we're here to ensure you get the best possible rate on your loan. You can book a call with our team here: https://buff.ly/2LQ9MnZ To read more about the latest announcement, click here: https://buff.ly/367SI5A See more

09.01.2022 Mortgage brokers have recorded their highest market share result in over a year by facilitating 57.0% of all new residential home loans in the April to June 2020 quarter MFAA CEO Mike Felton stated that "this is further proof of the importance of mortgage brokers to the wider economy and community. With natural disasters, a global pandemic and now a significant economic downturn, 2020 has been a year full of challenges. Thats why it is so pleasing to see brokers continue to have a positive impact on the economy and their clients in such difficult times.

09.01.2022 Thanks for the 5 star review Justin! Look forward to working with you again in the future!

09.01.2022 Pay less interest on your home loan by setting up an offset account with your local bank, for your savings. This means that if your loan is $200k and you have $20k in savings in an offset account, youll only pay interest on $180k of your loan. Depending on the size of your loan and offset account, you could save thousands of dollars in interest over the years

09.01.2022 Last night our brokers Chris and Joel were invited by Bankwest to watch the Tim Tszyu boxing match in their private box at Bankwest Stadium Shoutout to BankWest BDM, Jude (pictured below) for a fantastic night!

06.01.2022 Our team specializes in property investment loans and were delighted to be able to help Greg obtain finance for his brand new investment property. If youre thinking of investing, but not quite sure if the banks will lend you the money, get in touch - https://buff.ly/2LQ9MnZ

06.01.2022 THIS JUST IN... Off the back of the recent RBA rate cut announcement yesterday, the first of the big four banks have come out with their rate update. Commonwealth bank are offering their LOWEST EVER advertised home loan rate to Owner Occupiers paying Principle & Interest - 1.99% p/a fixed over 4 years* This is fantastic news for home buyers and those currently currently holding mortgages. We eagerly await announcements from the other big banks this week!... There is going to be a massive influx of Australian's trying to review and refinance their loans over the next few weeks, so please book a call with our team asap if you'd like to do the same: https://buff.ly/2LQ9MnZ *terms and conditions apply, please reach out to our team for full details and conditions.

05.01.2022 Thanks for the great review Roweena! Roweena came to us recently as she wanted to get a loan for an investment property - we helped her find the lender who would offer her the best deal, and shes now in the process of purchasing the property. Congratulations and looking forward to working with you in the future!

05.01.2022 What is equity? Equity is the difference between the value of your property and the amount you still owe on your home loan. For example, if your property is worth $400,000 and you still owe $220,000 - your equity is $180,000 (however, not all of this will be usable equity). As your property continues to increase in value, and you continue to pay down the loan, your equity increases. You can then use this equity as a deposit to purchase your next property, however borrowing ...additional funds will depend on a number of factors, such as your income, other debt, living expenses etc. The fantastic thing about property equity, is that it allows home owners and investors to keep purchasing multiple investment properties, without having to save up a deposit for each one. If you've owned your own home (or any property) for a few years now and are curious as to whether or not you have any equity that you might be able to use to continue buying property, get in touch with our team today!

05.01.2022 Thanks so much Lynda! Always a pleasure working with you Have you worked with the amazing brokers at Unconditional Finance before? Let us know what you thought of the experience by leaving a review on our Facebook or Google page

04.01.2022 Huge news for our New South Wales home buyers! The NSW state government has abolished stamp duty for new homes under $800,000 in a bid to support first home buyers and the construction industry. You can read more about the brand new incentive here: https://buff.ly/3jGAttR Get in touch with our friendly team today if youre interested in making the most of these new changes, and wed be happy to help kick-start the finance process: 1300 511 512

01.01.2022 Thanks for the 5 star review Josh! Its been a pleasure helping Josh out with his loans over the past 12 months. If youre looking to take advantage of the new $25,000 HomeBuilder grant, you need to act fast! Simply book a call with us today (link in bio) and our friendly team will start the finance approval process for you, free of charge