“The client is the centre of everything we do.”
— Rachelle Kroon, Founder & Managing Director, Sphere Home Loans
About Sphere
Rachelle Kroon founded Sphere Home Loans in 2013 with a clear vision: use her decade of industry experience and contacts to ensure clients receive the best possible finance options for their circumstances.
Today, that vision guides a team of 15+ brokers and credit analysts serving clients across NSW and nationally, with over 4,000 clients helped and 500+ five-star reviews.
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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
At Sphere we stand for
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Strategy first
We map out your future before we talk about loan options. We believe your property decisions should support your long-term goals.
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Salaried brokers
Our team isn't chasing commissions which means they're motivated by what makes the most sense for you.
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Long-term partnership
We don't disappear after settlement. We check in regularly and are here when you're ready for your next property move.
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Refreshingly human
We simplify what's complicated, answer your questions clearly and treat you like a person, not a transaction.
Our Story
Sphere was built on a simple belief: mortgage broking should be about expertise and client outcomes, not sales targets and commissions.
That's why from day one, we've done things differently.
Our brokers are salaried, which means they can take the time to properly strategise with clients without pressure to rush deals through. We focus on long-term relationships, sticking around after settlement to reprice loans, review strategies, and support clients through their whole property journey.
We work with everyone from first-home buyers just starting to save, to experienced investors building multi-property portfolios. What connects them all is that they want thoughtful advice, clear explanations, and a broker who's in it for the long haul.
Since 2013, we've grown from a one-person operation to a team of high-performing brokers. We've helped over 4,000 clients, earned 500+ five-star reviews, and work with clients across NSW and nationally. But the mission hasn't changed: strategy first, clients at the centre, always.
Sphere has never been built around transactions. We’re built around people — our clients, our team, and the long-term relationships we're trusted to support.
Our brokers and credit analysts are salaried, carefully chosen, and highly trained, with the time and support to think strategically, communicate clearly, and care about every outcome.
The number one value that runs through our whole team is that the client comes first, always.
And because every client is supported by more than one person, there's real depth behind the scenes. If someone's on leave, the team steps in. If a broker moves on, you're never left stranded. You're looked after at the moments that matter most.
That's what makes the Sphere experience different.
Why Sphere?
✓ Strategy-first approach
✓ We’re here for the long term
✓ Salaried brokers
✓ 60+ lenders, 800+ loan products
✓ 500+ five-star reviews
It’s never too early to speak to a broker.
For strategy-first lending that’s refreshingly human, book a call with one of our brokers today.