“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.
MPA Elite Broker of the Year — Rachelle Kroon
MPA Top 100 Brokers
AFG Top 5 Broker Groups (past 8 years)
AFG Regional Broker of the Year — Joe Carroll
500+ five-star Google reviews
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.
Meet the Team
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.
Finding your broker
Not sure who to speak to? You've got two easy options:
Browse the team and choose your fit. Read through our broker bios, then request a specific broker in the enquiry form.
Or tell us a little about what you're working on, and we'll match you with the most suitable broker for your situation.
Rachelle Kroon
Founder / Managing Director
Known for: Strategy-first broking, industry leadership and building Sphere’s client-first culture. Author of The Quick Start Guide to Your First Property and co-host of This Is Property.
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Rachelle Kroon is one of Australia’s most respected mortgage brokers and the founder of Sphere Home Loans. She started Sphere in 2013 with a clear vision: to give clients access to strategic, thoughtful lending advice that puts their future first.
In just her third year as a broker, Rachelle became the top female broker in Australia. Since then, she has built Sphere into one of the country’s leading broking businesses, recognised for its service, performance and client-first approach. Her background in finance, lender relationships and credit training gives her deep technical expertise, while her experience as a property investor brings real-world perspective to every conversation.
Rachelle is also the author of The Quick Start Guide to Your First Property and co-host of This Is Property, where she helps Australians make smarter property and finance decisions.
Outside Sphere: Rachelle loves travelling with her husband Andy and watching their sons play rugby. Her eldest son, Kyle, is also a Mortgage Broker at Sphere.
While Rachelle no longer takes on new home loan clients directly, she is happy to have a 20-minute strategy call and connect you with the most suitable broker in the Sphere team.
Joe Carroll
Senior Mortgage Broker / Co-Director
Known for: Complex lending, high-income clients, medical professionals, investors and private bank scenarios.
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Joe is one of Australia’s leading mortgage brokers and a trusted specialist for clients whose lending needs require more than a standard approach. Recognised in the MPA Top 100 Brokers and awarded AFG Regional Broker of the Year, he brings sharp strategy, technical depth and calm execution to complex lending scenarios.
He works closely with high-income professionals, medical specialists, private bank clients, investors and self-employed borrowers, helping them structure lending with clarity and confidence. Whether there are multiple entities, complex income, investment portfolios or time-sensitive approvals involved, Joe knows how to ask the right questions, identify the right pathway and advocate strongly for the best possible outcome.
Outside Sphere: Joe is usually spending time with his daughters or in the ocean, making the most of the coastal lifestyle.
Genevieve Lyons
Senior Mortgage Broker
Known for: Warmth, care and deeply personal client support.
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Genevieve is one of Sphere’s most trusted and deeply experienced Senior Mortgage Brokers. With more than 12 years at Sphere, she has played an important role in shaping the culture of exceptional service, care and client-first thinking the business is known for.
After spending her first five years at Sphere working directly with Rachelle Kroon, Genevieve developed a strong foundation in lending strategy, client care and high-performance broking. She brings a rare combination of technical knowledge, emotional intelligence and genuine warmth to the lending process, helping clients feel calm, informed and supported through big financial decisions.
Her approach is thoughtful, thorough and grounded in care, making her a trusted adviser for clients who want both strategy and support.
Outside Sphere: Genevieve is a wife and mum to Gia and Rowie, and her natural instinct to care for others is just as strong at home as it is with her clients.
Courtney Horwood
Parabroker to Joe Carroll
Known for: Long-term client relationships, continuity and deep Sphere knowledge.
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Courtney is a Sphere original. After more than 12 years with the business, she is one of the familiar, trusted faces many clients have spoken with at some stage of their property journey.
Starting as an assistant, Courtney worked her way through the business to become Business Manager, gaining a deep understanding of Sphere’s clients, systems, standards and service culture along the way. Today, she works as a Parabroker in Team Joe, supporting long-term clients as they restructure lending, upsize their homes or prepare for the next chapter.
Her strength lies in continuity. Courtney knows the people, the stories and the level of care Sphere clients expect, making her an important part of the client experience behind the scenes.
Outside Sphere: Courtney is married with a daughter and loves cooking, entertaining and all things Disney.
Karen Kirby
Senior Mortgage Broker
Known for: Experience, drive and helping clients feel supported through every step.
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Karen is a highly experienced Senior Mortgage Broker with more than 20 years in lending. A fierce advocate for her clients and one of Sphere’s standout performers, she brings exceptional depth, energy and determination to every scenario.
Recognised as a Rising Star and named among the Top 50 Brokers last year, Karen is known for combining high-performance broking with genuine care. Whether she is helping clients buy their first home, upgrade, refinance or grow an investment portfolio, she brings focus, strategy and a strong commitment to achieving the best possible outcome. Her clients know she is in their corner from the first conversation through to settlement and beyond.
Outside Sphere: Karen is a proud mum of three daughters and loves spending time with family and friends. She is also passionate about Touch Football and represents her club and region.
Nathan Dobie
Senior Mortgage Broker
Known for: Credit policy knowledge, complex lending and out-of-the-box solutions.
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Genevieve is one of Sphere’s most trusted and deeply experienced Senior Mortgage Brokers. With more than 12 years at Sphere, she has played an important role in shaping the culture of exceptional service, care and client-first thinking the business is known for.
After spending her first five years at Sphere working directly with Rachelle Kroon, Genevieve developed a strong foundation in lending strategy, client care and high-performance broking. She brings a rare combination of technical knowledge, emotional intelligence and genuine warmth to the lending process, helping clients feel calm, informed and supported through big financial decisions.
Her approach is thoughtful, thorough and grounded in care, making her a trusted adviser for clients who want both strategy and support.
Outside Sphere: Genevieve is a wife and mum to Gia and Rowie, and her natural instinct to care for others is just as strong at home as it is with her clients.
Kirralee Andrews
Mortgage Broker
Known for: Bank lending experience, client care and exceptional follow-through.
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Kirralee brings nearly 20 years of bank lending experience to her role as Mortgage Broker at Sphere. In her first year as a broker, she has already made a powerful impact, earning an exceptional number of five-star Google reviews and building strong referral momentum through the client experience she delivers.
Her background gives her deep knowledge of lender policy, credit assessment and what it takes to get an application across the line. Moving into broking has allowed Kirralee to take that experience further, comparing options across more than 60 lenders to find the solution that genuinely fits the client. She brings clarity, energy and care to every scenario, whether clients are buying their first home, refinancing or building an investment portfolio.
Outside Sphere: Kirralee enjoys experimenting with new recipes in her Thermomix and watching her kids play sport across the Central Coast.
Kyle Gordon
Mortgage Broker
Known for: Calm strategy, clear communication and helping clients make confident property decisions.
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Kyle brings a strategic, composed and highly analytical approach to lending. With a Bachelor of Psychology from Macquarie University and a technical foundation built through his early career as a Parabroker, he combines credit knowledge with a strong understanding of people, goals and decision-making.
Kyle is especially good at cutting through complexity and helping clients understand what their finance options mean for the bigger picture. Whether someone is buying their first home, refinancing, investing or planning their next move, he takes the time to understand what they are working towards and structure advice around what will support them long term.
Outside Sphere: Kyle is an avid traveller who enjoys exploring different cultures, meeting new people and making the most of life on the Central Coast.
Sydney Wilks
Credit Analyst to Joe Carroll
Known for: Proactive support, lender policy knowledge and smooth application management.
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Sydney brings five years of hands-on mortgage broking experience to her role as Credit Analyst at Sphere. After entering the industry straight after completing her HSC, she quickly developed a passion for lending and built a strong technical foundation across lender policy, servicing and the end-to-end application process.
Sydney started her career as a Broker Assistant before progressing into a Credit Analyst role, where she discovered how much she enjoys the strategic side of lending. She plays an important role behind the scenes, helping ensure applications are structured correctly, submitted efficiently and progressed smoothly from start to finish. Her attention to detail, communication and commitment to finding solutions help clients move forward with confidence.
Outside Sphere: Sydney enjoys Pilates, weight training, beach walks with a coffee in hand and planning her next trip back to the UK to see family and friends.
James Barron
Credit Analyst to Rachelle Kroon
Known for: Commercial thinking, analytical detail and complex lending support.
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James is a driven and commercially minded Credit Analyst who works closely with Director Rachelle Kroon on complex lending scenarios. With a Bachelor of Commerce majoring in Finance from the University of Queensland, he brings strong analytical thinking, structure and attention to detail to every application he supports.
His background in logistics and finance has shaped a highly solutions-focused approach. James enjoys working through the moving parts of a scenario, assessing the details and helping create a clear pathway forward. He is particularly drawn to commercial lending and the strategic opportunities it can create for business owners, investors and ambitious clients.
Outside Sphere: Originally from the UK, James moved to Australia during high school and brings curiosity, discipline and a strong work ethic to everything he does.
Brad Rayner
Credit Analyst to Joe Carroll
Known for: Credit experience, complex lending support and technical precision.
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Brad brings more than 20 years of experience across credit roles, including time as a mortgage broker himself, to his role as Credit Analyst to Joe Carroll. His background gives him a rare understanding of both sides of the lending process: what lenders look for, how brokers think and how to bring the right details together to support a strong application.
Working alongside Joe, Brad supports some of Sphere’s most complex lending scenarios, including applications for medical professionals, private bank clients, investors and self-employed borrowers. He is calm, methodical and highly solutions-focused, helping ensure every structure is carefully assessed and every client journey is handled with precision.
Outside Sphere:spending time with the kids, playing golf when he can and working around the house.
Macey Sbrugnera
Credit Analyst to Genevieve Lyons
Known for: Warm client care, first home buyer support and calm communication.
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Macey brings warmth, intuition and genuine care to every client journey she supports. As Credit Analyst to Senior Mortgage Broker Genevieve Lyons, she plays an important role in helping clients feel informed, organised and supported throughout the lending process.
Macey understands that finance can feel overwhelming, especially when the decision feels big or emotional. Her approach is reassuring, attentive and personal, helping clients feel more confident at each stage. She has a particular passion for supporting first home buyers and loves being part of such an exciting milestone.
Outside Sphere: Macey loves trying new food spots and discovering new places, usually with her French bulldog by her side.
Brielle Thomas
Credit Analyst
Known for: Client care, communication and making the lending process feel calm.
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Brielle brings warmth, professionalism and more than a decade of client-focused experience to her role at Sphere. Known for her strong communication skills and natural ability to build genuine relationships, she helps clients feel heard, supported and confident throughout their lending journey.
Her strength lies in connection. Brielle takes the time to understand what matters most to each client, then supports the team behind the scenes to ensure the process feels organised, personal and well managed. She combines empathy with attention to detail, helping create the thoughtful, client-first experience Sphere is known for.
Outside Sphere: Brielle enjoys spending time with family and friends, Pilates, beach days and long walks.
Kai Bettison
Credit Analyst to Karen Kirby
Known for: Lender policy knowledge, residential lending and strategic loan support.
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Kai brings seven years of experience across banking and residential lending to his role as Credit Analyst at Sphere. Having worked in direct lending, he understands how lender policy works and how easily one lender’s rules can limit a client’s options.
That background gives Kai a strong appreciation for the value of broking. At Sphere, he helps clients explore a wider range of lenders, structures and pathways, ensuring the strategy suits their circumstances and long-term goals. He enjoys the problem-solving side of lending and brings a disciplined, detail-focused approach to helping applications move forward smoothly.
Outside Sphere: Kai is usually in the gym lifting weights or staying active, bringing the same discipline and consistency into his professional life.
Cameron Bridge
Mortgage Broker
Known for: First home buyer education, calm guidance and thoughtful advice.
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Cameron is a Mortgage Broker with a strong foundation in the industry. While he is a new broker within the Sphere team, he is far from new to mortgage broking, having spent five years supporting a top mortgage broker before stepping into his own broking career.
That experience gave Cameron a valuable behind-the-scenes understanding of what great lending advice looks like. He has seen the detail, strategy and care required to guide clients through major financial decisions, and now brings that knowledge into his own client relationships.
Cameron has a particular passion for working with first home buyers. His approach is patient, educational and supportive, helping clients understand their options, prepare properly and feel confident before they are ready to buy.
Outside Sphere: going to the movies, out with friends and trying new food places.
Madison Horne
Executive Assistant to Rachelle Kroon
Known for: Supporting Rachelle and helping keep the client experience organised.
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Madison supports Rachelle Kroon and the wider Sphere team as Executive Assistant, helping keep communication, client care and day-to-day operations running smoothly. In a business built around strategy, service and long-term relationships, Madison plays an important role behind the scenes, ensuring details are followed through and clients feel supported.
Outside Sphere: weekending, going to Pilates and spending time with her dog.
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.