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Mortgage Brokers in Melbourne & Surrounding Areas

Innovative Solutions For Melburnians

Get Exclusive Mortgage Advice Tailored For You. Better Loan Strategies, Better Homes, Prime Locations, Significant Savings.

Your Melbourne Mortgage Broker Excellence

WELCOME TO UNCONDITIONAL FINANCE

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. 

Proactive & Client-Centric

WE HELP MELBURNIANS

Personalised Mortgage Advice for every loan type. Fast Approvals and expert assistance when you need a home loan specialist. No Extra Charge for our professional services. With over a decade of experience, we are fully licensed and established. Access competitive rates from over 40 major banks and lenders.

Unconditional Finance team outside

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 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 LoansRefinance Home LoansInvestment Loans
Commercial Property LoansSMSF LoansSelf-Employed Home Loans
Doctor LoansDebt Consolidation LoansBad Credit Loans

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. 

Here For All Your Loan And Refinancing Needs

Work With Award-Winning Finance Brokers

MFAA Endorsed

Basking in the glow of MFAA (Mortgage and Finance Association of Australia) approval, we stand tall as certified mortgage brokers right here in Sydney.

Fully Qualified

As Unconditional Finance's driving force and founder, Chris leverages his industry expertise and personal investment acumen. Aside from bagging numerous accolades, including recurrent Top 100 Broker mentions, Chris savours family time and sports when off-duty.

A Legacy Spanning Over Two Decades

We're proud of our rich tapestry of more than 20 years, throughout which we've aided countless clients in realising their financial dreams.

Award-Winning

Our mantle is laden with awards, as we've repeatedly been hailed as one of Sydney's top-tier mortgage brokers year after year.

Fully Licensed

Registered with ASIC and being fully licensed mortgage brokers, we're intimately acquainted with the industry's unique demands.

Centred On Your Goals

At Unconditional Finance, we place your aspirations and necessities at the heart of our operations. When you join hands with us, be assured your interests are our prime concern.

How Unconditional Finance Serves You

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Personalised Guidance

You deserve to understand exactly where your deposit is going and how you can steadily pay off your mortgage over time. We guide you through every step of the process, making things as easy and simple as possible by eliminating unnecessary confusion and complexity.

Why Choose Us Icon

Debt Reduction & Wealth Acceleration Techniques

There are three ways to ensure a smooth home-buying process and maximise your wealth: partner with a professional who will save you time, reduce your debts and risks swiftly, and help you avoid costly mistakes.

why choose us

Tailored Service

Our customer service simplifies everything for you—no complex documents, overwhelming paperwork, or time constraints to review your documents. 

Why Choose Us Icon

Personalised Mentoring

You deserve to understand exactly where your deposit is going and how you can steadily pay off your mortgage over time. We guide you through every step of the process, making things as easy and simple as possible by eliminating unnecessary confusion and complexity.

Why Choose Us Icon

Extraordinary Debt Reduction & Wealth Acceleration Techniques

There are three ways to ensure a smooth home-buying process and maximise your wealth: partner with a professional who will save you time, reduce your debts and risks swiftly, and help you avoid costly mistakes.

why choose us

Custom-Tailored Customer Service

Our exceptional customer service simplifies everything for you—no complex documents, overwhelming paperwork, or time constraints to review your documents. Whether you’re managing your wealth-building investments or paying off your beloved home, our process is straightforward and effective.

Our 3-step Process

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

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Investment Loan

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Personal Loan

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Car Loans

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Business Loans

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Calculators

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

What Our Customers Say....

Jordy Alexander
Jordy Alexander
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We have been a client of Unconditional Finance since 2021, and we cannot speak highly enough of the exceptional services...
Meredith Paige
Meredith Paige
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We found Chris and his team incredibly helpful and responsive. They were very willing to explore all options available to...
Asher McGlone
Asher McGlone
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I recently had a great experience working with Unconditional Finance, specifically with Chris, Mitchell, and Nicole, to...
Justin smith
Justin smith
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Highly recommend, Joel is great to deal with and is always looking for the best deal. The team is amazing...
Kane Cox
Kane Cox
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Chris and the team were great! Able to secure funds that exceeded my expectations after failed attempts with...
Chad Robinson
Chad Robinson
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Fantastic mortgage brokers. If your needing a team to assist you with your investment portfolio or a single finance...
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Frequently Asked Questions About Our Broking Services

What does a mortgage broker do?

A mortgage broker Melbourne is an intermediary who acts between the borrower and the lender and uses their knowledge and software in order to source competitive rates for the borrower and facilitate a smooth settlement. Unconditional Finance is there to protect the borrower’s interests and manages the mortgage process.

Can a mortgage broker help me save money on monthly repayments?

When you’re looking for a home loan, working with a mortgage broker (either for residential or commercial property) is one of the best ways to save money on your monthly repayments. Lender fees can be expensive, and with rising interest rates, it’s important to have a professional find you the best loan available. A good mortgage broker will be able to provide expert advice for your financial situation, and give you access to deals that the banks may not offer you alone. So when purchasing property, always work with an experienced team of mortgage brokers, like Unconditional Finance, to get competitive rates and the right loan for you!

Why do you need a mortgage broker to help you?

There are many different mortgage products on the market, and it can be overwhelming to compare them all. A Mortgage Broker Melbourne will assist the borrower in navigating the many options. He or she will explain the differences between the products and help you choose the right loan. Once a product is selected, the mortgage broker will help ensure everything runs smoothly and the borrower is kept informed at all times. Beyond helping you at the time of purchase, mortgage brokers in Melbourne can provide ongoing support. With this expert guidance from your broker, you can be sure you’re getting the best business or home loan options available to you.

What’s the difference between Unconditional Finance and other Melbourne mortgage brokers?

Our company has helped the residents of Melbourne and its suburbs for over 12 years. We have been developing our mortgage processes over the years to ensure our clients get the best options and financing support, regardless of their circumstances. Look at the testimonials of our clients to see why they love us! If you’re looking for the best mortgage brokers in Melbourne, give our team at Unconditional Finance a call.

Does Unconditional Finance have fees?

Our service is free of charge. The lender you choose pays us a commission. This is fully disclosed to the client at the beginning. There are also fees and charges from the government and Lenders. So, your monthly payments for your loan will not incur extra because you worked with a broker. Instead, you’ll save money because you chose to use mortgage brokerage services.

We will provide you with a Credit Guide which outlines our general compensation and our Credit Proposal Disclosure document when we are chosen to arrange your finance. This details the amount your lender will pay after the settlement of your loan.

Our advice is based solely on the best interests of the borrower. It has nothing to do with what we get paid. We make it our top priority to ensure that our clients are satisfied.

Do mortgage brokers offer an ongoing service?

Unconditional Finance will not forget you after your loan has been settled. Unconditional Finance is paid a continuing trailing commission from the lender that you selected to remain available to answer your questions and modify your loan as necessary, such as fixing or switching products. Your broker will check your loan every year to make sure it is still suitable for your needs. Your broker will also review it against other rates and negotiate with your existing lender to get a better rate.

Which suburbs do you get home loans for?

We service clients in the Melbourne CBD area and across the surrounding suburbs of Melbourne, Australia.

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you’re overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients’ diverse needs.

If you’re unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.

We do not charge any fees for our services as our remuneration comes from the lender you select once your loan is finalised.

We offer appointment scheduling 7 days a week, at your convenience and preferred location. You can reach us at 1300 484 390.

Our main office is located in Sydney, but we proudly serve clients all across Australia and even those living overseas.

Whether you're overseas or residing outside Sydney or the Central Coast, we can still assist you. Thanks to advancements in technology, we can provide our services through phone, email, Skype, and various identification verification methods like banks and Australia Post.

We have a network of over 40 lenders, including the major banks and second-tier lenders, offering hundreds of products to meet our clients' diverse needs.

If you're unsure whether your current bank is offering you the best deal, give us a call. We can evaluate their proposal and advise if there are better options available from other lenders.

Depending on your chosen lender, pre-approval can sometimes be obtained within 24 hours. Many lenders have automated approval systems that allow for quick turnaround times. However, we recommend allowing up to 5 business days to ensure all necessary documentation is provided for your loan submission.

While it is not ideal to exchange contracts without finance approval, we understand that some properties are too tempting to wait. In such cases, we can expedite and prioritise your application with the lender. Our strong relationships with our panel of lenders enable us to secure urgent approvals when needed.

Mortgage brokers often collaborate closely with lenders, giving them access to insider knowledge, special deals, and rates that might not be available to the general public. Their strong negotiating power can also help you secure a lower interest rate, as banks highly value their business.