Business Details
23 Years
experience
Your Trusted Mortgage Broker in Parramatta Hills
Sphere Loans has been dedicated to providing tailored mortgage and finance solutions since 2003. Our team combines over 25 years of industry experience with a commitment to responsible lending, ensuring clients receive personalized advice aligned with their financial goals. As a fully accredited broker, we leverage advanced technology and partnerships with a panel of lenders to simplify the loan process from application to settlement. Our services extend beyond traditional lending, including mortgage protection insurance and investment strategy guidance.With a focus on transparency and client education, we empower first-time buyers, investors, and businesses to navigate complex financial landscapes. Our director, Mirasol San Esteban, brings expertise from 18+ years in mortgage brokering, supported by a team recognized for professionalism and client-centric service. Accredited by FBAA, COSL, and regulated by ASIC, we maintain rigorous compliance standards while prioritizing accessibility across Western Sydney and greater metropolitan areas.
Services
Home Loans
Personal Loans
Car Loans
Mortgage Protection Insurance
Refinancing
Investment Loans
SMSF Loans
Commercial Loans
First Home Buyer Assistance
Details
- Year established: 2003
Highlights and features
- We offer competitive rates across home, personal, and car loans.
- Our team has 25+ years combined experience in mortgage brokering.
- We provide personalized loan solutions through a responsible lending framework.
- Fully accredited by FBAA, COSL, and regulated by ASIC.
- 24/7 client support throughout the loan application and settlement process.
Associations and certifications
- FBAA
- COSL
- Australian Securities and Investments Commission (ASIC)
- AFCA
What people say
Good service
Knowledgeable team
Responsive to queries
Professional throughout
Highly recommended
Services
Home Loans
Sphere Loans offers competitive home loan solutions tailored to first-time buyers, investors, and refinancers. Our brokers analyze your financial situation to recommend optimal loan structures with major lenders. With access to exclusive rates and flexible terms, we streamline the approval process while ensuring compliance with responsible lending standards.
Personal Loans
Our unsecured personal loans provide flexible financing for major purchases or debt consolidation. Competitive interest rates and quick approvals make it easy to manage expenses without collateral requirements. We assess your repayment capacity to recommend suitable loan amounts and terms.
Car Loans
Sphere Loans delivers fast car loan approvals with competitive rates for new or used vehicles. Our brokers connect you with lenders offering flexible repayment options and minimal documentation. We specialize in helping self-employed individuals and those with complex financial situations secure vehicle financing.
Mortgage Protection Insurance
This specialized insurance safeguards homeowners against financial hardship from unexpected events. Coverage options help maintain mortgage payments during unemployment, illness, or injury. Our brokers explain policy terms and help integrate protection into your loan strategy.
Refinancing Services
We help homeowners reduce repayments by refinancing existing mortgages. Our analysis compares current market rates against your loan terms to identify savings opportunities. We handle the application process for rate transfers, equity access, or improved loan features.
People
Mirasol San Esteban
Director, Mortgage Broker
Founder of Sphere Loans with 18+ years in mortgage brokering. Holds Certificate IV in Financial Services and multiple industry certifications. Specializes in helping clients navigate complex lending requirements while maintaining responsible lending practices.
Mary Lou Borcelas
Broker Support
Detail-oriented broker support specialist with 6 years of corporate experience. Manages loan documentation and ensures timely submission of applications. Utilizes organizational skills to streamline the client loan process from approval to settlement.
Questions
What loan types does Sphere Loans offer?
We provide home loans, personal loans, car loans, commercial loans, SMSF loans, and refinancing options through our panel of lenders.
How does Sphere Loans' mortgage process work?
We assess your financial situation using award-winning software, recommend suitable loans, handle applications, and guide you from conditional approval to settlement.
Do you offer first home buyer assistance?
Yes, we help first-time buyers with loan selection, documentation, and accessing First Home Owners Grants where eligible.
What documents are needed for a loan application?
Prepare payslips, tax returns, bank statements, and 100 points of ID. Additional documents may be required based on your circumstances.
Can you help with investment property loans?
We specialize in investment loans and partner with property wealth creators to help build and maximize your property portfolio.
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