your mortgage broker
Sphere Loans
Free Mortgage advice on Home Loan, Commercial Loan, Business Loan, SMSF, and Car Loan. For over ten years, we have helped many family, investor and individuals achieve their wealth through property and investment.
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Personal Loan
Sphere Loans provide a range of unsecured personal loans designed specifically to meet the needs of our customers. Low interest rate personal loans help you keep your ongoing costs low and your repayments manageable.
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My Protection Plan
As your broker, it’s Sphere Loans responsibility to not only help you find the right loan, but also to help make sure you’re able to service it. If you haven’t got a clear plan to protect your mortgage, come and see us and get insured today.
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Home Loan Calculator
Mortgage Calculators and Tools
Get a quick estimate on how much you may be able to borrow based on your current income and financial commitments. You can find out your estimated home loan repayments as well as ways to pay off your home loan faster with our calculator for free.
*Please be aware that these loan calculators are a guide only.
our mortgage broker team
Mirasol San Esteban
Director, Mortgage Broker
Is the founder of Sphere Loans. She has worked in the industry since 1998. It has given Mirasol a solid foundation in banking and finance.
Rates & Forecast
RBA Cash Rate at 3.60%
RBA Cash Rate at 3.60%
Cash rate from September, 2025.
The RBA cash rate is at 3.60 percent as of September 2025. While inflation has dropped significantly since 2022, the pace of decline has slowed, and recent data suggests it might rise again slightly. The economy is showing signs of recovery, especially in private spending and the housing market, helped by earlier interest rate cuts. The job market remains stable, though employment growth has eased and productivity is still weak. Globally, uncertainties like trade policies and geopolitical tensions could affect Australia’s economy.
15 years mortgage interest rate
- Interest Rate
- Cash Rate
what our customers say
Mirasol gave us good service and advice. She is good, nice and ready help us with all situation. I am very happy when working with her. Thanks.
We turned to Sphere Loans when we our bank of 10 years (one of the big 4’s) declined to provide a second loan considering our first homeloan has only 30K left then and after they’ve given us a conditional approval to purchase another one, but at the last minute the old bank backed off, grrrrrr. Mirasol was very knowledgeable in this field and has guided us in every step of the homeloan process providing us information that is both very useful & understandable for us. She is very responsive to queries, proactive, and best provides a friendly, professional service. Another happy customer here.
One of our friends referred us to Mirasol and her team, that time we don’t know anything about buying a property here in Australia. We had our first meeting with Mirasol in early 2020 and she explained to us the process in detail and also guide us with our finances. She is so passionate with what she does and she’s always ready to help. Mirasol is also very generous with her time and knowledge, she is also patient in answering all our questions even on weekends. There was delay in the settlement of our land but even with the delay she is always there for us. She always remind us to keep on saving and achieving our goal. Two years have passed and we have just settled our land and our home loan. Sphere Loans is highly recommended and their service is amazing. Thank you Mirasol and Sphere Loans.
Hi Mirasol. Thank you for making this whole process for us smoothly. We are thrilled to move into our apartment next week.
Our experience with Sphere Loans was very pleasant. The Sphere team was always available to take our call and help with any queries also we found Sphere to be very courteous and professional. I will definitely recommend to anyone looking for a loan.
Mirasol helped us with our recent investment purchase. She was friendly and professional throughout the entire process. She was on top of any issue that arose. We definitely would recommend her services to others!
Sphere Loans has provided exceptional service to me when I decided to buy a home and simultaneously sell my place of residence. Whilst one major bank said that it is a tricky process and other have made it almost impossible, Sphere Loans made it easy.
As self employed I am constantly busy and time is not on my side. Mirasol has gone out of her way to assist me with all the paper work and get the Loan approved. . I am grateful and appreciate her assistance in applying for my loan. I have no hesitation in recommending others to “Sphere loans”, a job well done!
Mirasol was very helpful. She explained every product in detail and made it easy to understand. We found Mirasol to be helpful and go the extra mile with her services with 2 mortgages. Our sincere thanks.
It was great to deal with Mirasol, she looked after us during the whole process as this was our first investment property. Her experience and calming nature saw us through the ups and downs dealing with financial institutions.
This is our second investment. Mirasol has been there with for us since we bought our first home. We’ve grown our portfolio through Mirasol’s help. Painless and hassle free process. Thanks Mirasol!
Mirasol made it look easy and indeed it was. So glad I got her to organise my loan. She is always contactable and always have an answer to our never ending questions. Thanks for your help ARMI Finance!
Thank you so much for all your help in the purchase of our new home. We now have a place to call our own. Highly recommended broker. Such blessing knowing you.
Alvin & I just wanted to THANK YOU and your amazing team for helping us with our refinance from start to finish. We wouldn’t have done it without your meticulous and superb service.
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news
The latest news and announcements. Mortgage news, interest rates and market watch.
RBA increased interest rates for June, 2022 at 1.35 per cent
RBA increased the cash rate by 50 basis points from 0.85% to 1.35% at its board meeting for July 2022.
Building cost blow-outs – how brokers can help
News in Australian Brokers article by Jayden Fennel with Mirasol on Building Cost Blow-outs .