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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Loan Protection

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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A mortgage broker can save you time and money

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.

Mortgage Calculator

Borrowing Calculator

Mortgage Repayment Calculator

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.

Ariel San Esteban

Managing Director

Ariel joined the company soon as it was established in 2001 and is responsible for the execution of Strategic Planning and Marketing.

Rates & Forecast

RBA Cash Rate at 0.10%

Cash rate as of 1 December, 2020.

The RBA keeps the rate unchanged at 0.10 per cent for December, 2020. Lowe said the November package had already delivered substantial aid to the economy, and is helping to lower financing costs for borrowers and keep the exchange rate low.

RBA Media Release

9 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.

Khanh L. ⭐⭐⭐⭐⭐2018

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.

Noel R. ⭐⭐⭐⭐⭐2017

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.

Alex & Claudia C. ⭐⭐⭐⭐⭐2018

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!

Maris G. ⭐⭐⭐⭐⭐2017

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.

Frances V. ⭐⭐⭐⭐⭐2017

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!

Vinh D. ⭐⭐⭐⭐⭐2017

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.

Ross & Steff ⭐⭐⭐⭐⭐2016

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.

Julius A. ⭐⭐⭐⭐⭐2014

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!

Jeff B. ⭐⭐⭐⭐⭐2017

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!