Strategy-first, stress-free lending
For loans that fit your future
We're mortgage brokers, who think long-term.
Confused by loan structures, offset accounts, and how much you can actually borrow? We get it, and we’re here to fix it.
At Sphere, we bring structure and strategy to what often feels unnecessarily complicated, turning “Where do I even start?” into a clear, step-by-step plan for your future.
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MPA Elite Broker of the Year
Rachelle Kroon
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MPA Top 100 Brokers
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500+
Five-star Google reviews
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AFG Top 5 Broker Groups
(past 8 years)
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AFG Regional Broker of the Year
Joe Carroll
Here’s how we work
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Strategise what’s important to you
01. First, we talk strategy
We'll map out your property plan first to ensure we find the best loan option and structure that’s right for you.
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Simplify all the complexities
02. We handle the hard bits
We'll translate the jargon, handle the complicated bits, and coordinate with your solicitor and agent so everything runs smoothly.
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Support you through your property journey
03. You settle. We stay.
Your loan goes through. You get your keys. And we stay in touch for your property journey ahead.
Hi, I’m Rachelle Kroon
Female Founder & Managing Director of Sphere Home Loans
I started Sphere in 2013 with the goal of ensuring clients could access the best possible finance for their situation.
Since then, I've built Sphere into a team that does broking differently. Our brokers are salaried, not commission-driven, which means they have the time to actually strategise with you, nurture your portfolio over years, and stick around long after settlement, repricing your loans, reviewing your strategy, and helping you adapt as life changes.
More than your mortgage broker, we're your long-term property partner.
Wherever you are, we’re here.
We work with clients at every stage of their property journey.
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Not quite ready to buy yet? That's okay. We can help you:
Understand how much you'll need for a deposit
Create a savings strategy
Improve your borrowing capacity
Know when you'll be ready to start looking
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First-time buyer? We'll help you:
Understand how much you can borrow
Navigate Government Scheme/Grants or parental guarantees
Choose the right loan structure for your situation
Think ahead (in case this becomes an investment property later)
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Looking to invest? We'll help you:
Structure your loans tax-effectively
Maximise your borrowing capacity across multiple properties
Choose the right lender and loan type for investment purposes
Plan for property two, three and beyond
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Upsizing, downsizing, or relocating? We'll help you:
Understand your options (keep current property vs. sell)
Structure loans to support your transition
Navigate bridging finance if needed
Optimise your property portfolio
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Already have multiple properties? We'll help you:
Review your current loan structures
Identify opportunities to save on interest or improve cash flow
Restructure for tax efficiency
Consolidate or separate loans strategically
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Lending needs not fit within a standard bank policy?
We can help with:
Complex income
Multiple entities
Self-employed structures
Investment portfolios
Commercial property
Trusts and company structures
Time-sensitive approvals
Keen to know how much equity you have in your property?
This is Property — The Podcast
Listen to Rachelle and property investor and buyers' advocate John Pidgeon as they share practical insights and expert advice on everything from buying your first home to building a portfolio.
The Quick Start Guide to Your First Property
Personal finance expert Glen James and top mortgage broker Rachelle Kroon share the hacks that are actually getting first-time buyers into the market right now in this straight-talking, jargon-free guide.
500+ 5 STAR REVIEWS
From people we've helped buy homes, build portfolios, and plan their property futures Australia-wide, including the Central Coast, Newcastle, Sydney, Wollongong and Regional NSW.
We shop around (so you don’t have to)
We work with 60+ lenders giving us access to more than 800 loan products. We find the best fit for your goals, compare the rates, and handle the applications.
No favourites, no kickbacks. Just the loan option that works best for you.
Why Sphere?
✓ Strategy-first approach
✓ We’re here for the long term
✓ Salaried brokers
✓ 60+ lenders, 800+ loan products
✓ 500+ five-star reviews
For buyers' agents, accountants & financial planners
We're always looking to partner with professionals who care about long-term client success.