Complex Lending Solutions
Not every lending scenario fits neatly inside a standard bank policy. That is where experience, strategy and lender knowledge matter.
At Sphere Home Loans, we regularly work with clients whose lending needs require deeper thinking.
This may include complex income, multiple entities, self-employed structures, investment portfolios, private banking requirements, medical professional income, commercial property, trusts, company structures or time-sensitive approvals.
You're probably wondering…
I'm a medical, legal, mining or accounting professional. Are there benefits for me?
My income is complex. Can you still help?
I'm self-employed. Will that make getting a loan harder?
Can you handle trusts, multiple entities or company structures?
My situation is time-sensitive. Can you move quickly?
If you’re an industry professional looking to buy or refinance, we’re glad you found us.
This might be your first step to:
Saving tens of thousands of dollars on your mortgage
Securing a lower threshold for a future property loan
Scaling up your investment portfolio much quicker than you had calculated.
But there’s a catch.
Industry professionals need to be shown how to yield these savings and benefits. THAT'S WHERE SPHERE CAN HELP.
Industry professionals can save tens of thousands of dollars across the life of a mortgage, if they are shown where and how to yield these savings.
Industry Professions include:
Accountants
Solicitors
Barristers
Lawyers
Medical Professions include:
Doctors
Dentists
Physiotherapists
Optometrists
Podiatrists
Pharmacists
Veterinarians
Mining Professions include:
Surveyors
Quantity surveyors
Geophysicists
Engineers
Questions?
Your situation isn't straightforward, you're probably wondering…
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This is where we do some of our best work. Multiple income streams, company profits, trust distributions, bonuses, commissions, overseas income — we know how different lenders treat each one, and how to present your full picture so it's understood properly rather than knocked back.
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Not with the right approach. Self-employed lending isn't harder, it's just different, and it rewards knowing which lenders suit your structure. We'll work with your accountant where needed and match you to a lender that understands how your business actually runs.
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Often, yes. Many lenders offer perks for certain professions, including sharper rates, smaller deposits, and waived Lenders Mortgage Insurance, which can save you tens of thousands over the life of a loan. The catch is that they don't always advertise it, so we make sure you're not leaving money on the table.
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Absolutely. Trusts, company structures, SMSF lending and multi-entity borrowing are exactly the kind of scenarios we're built for. We assess the whole picture, work out the right structure, and know which lenders are comfortable with the complexity.
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We can. Complex doesn't have to mean slow. Because we know the lenders and what they need up front, we can prepare and present your application to avoid the back-and-forth that causes delays, which matters when there's a deadline on the line.
“Sphere helped us with refinancing and purchasing property with several layers of complexity and they were amazing every step of the way. Can't wait to finally have a broker we can count on in the long-term!”
Alice G. Listen as Rachelle Kroon explores complex lending
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.
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Nathan is Sphere’s human encyclopedia of credit policy. With more than 14 years of experience across financial services and over four years at Sphere, he is the broker people turn to when a lending scenario needs deep thinking, sharp structuring and a genuinely strategic solution.
Clients value Nathan for his calm manner, technical knowledge and ability to make complexity feel manageable. He works through the detail of each scenario, from income structures and servicing challenges to lender policy and investment strategy, finding options where others may only see roadblocks. His advice is considered, steady and grounded in a clear commitment to client outcomes.
Outside Sphere: Nathan loves a weekend getaway, whether that is comedy, live music or theatre in Sydney, a Hunter Valley winery, or another attempt at growing his garden.
Nathan Dobie
Senior Mortgage Broker
Known for: Credit policy knowledge, complex lending and out-of-the-box solutions.
We think differently about mortgages
Many mortgage brokers focus on getting you approved for the biggest loan possible. We focus on what actually makes sense for your situation and your future.
That means asking questions like:
What are you working toward in 5 years? 10?
Will this property stay your home, or might it become an investment?
How does this loan fit with your broader financial picture?
What happens if your plans change?
We map out your property plan first, then find the loan structure that supports it.
1. First, we talk strategy
Before we talk about loan products, interest rates, or how much you can borrow, we talk about where you're headed.
In your first strategy call, we'll discuss:
Your property goals (short-term and long-term)
Your financial situation and borrowing capacity
Different loan structures and what makes sense for your plans
Timing—whether now is the right time or if waiting makes more sense
Your questions (and we'll answer them in plain English)
What you'll walk away with: A clear understanding of your options and a plan that makes sense for where you're headed—not just where you are today.
2. We handle the hard bits
Once we've mapped out your strategy, we get to work on the logistics.
Here's what we do:
Compare loan products from 60+ lenders (800+ options) to find the best fit
Prepare and submit your application
Liaise with lenders on your behalf
Chase up valuations, approvals, and any requests for additional information
Keep you updated throughout (in actual English, not banking jargon)
Coordinate with your solicitor, real estate agent, or buyers' agent
Answer your questions as they come up (because they will)
You'll upload your documents through our secure portal, and we'll handle everything from there. No need to spend hours comparing lenders or navigating bank websites. That's our job.
What you'll walk away with: A loan that fits your strategy, approved and ready to settle.
3. You settle. We stay.
Your loan goes through. You get your keys, and we keep in touch to support you through your future property journey.
Here's what happens after settlement:
Regular check-ins
We reach out periodically to see how you're tracking and whether anything's changed in your situation.
Loan reviews
We monitor your interest rate and let you know if there's a better option available, whether that's repricing with your current lender or switching to a new one.
Strategy updates
Your plans will evolve. Maybe you're ready to buy an investment property. Maybe you want to restructure for tax purposes. Maybe you're moving cities. We're here to help you think it through.
Next property moves
When you're ready for property two, three, or beyond, you've already got a broker who knows your situation and your goals.
What you'll walk away with: A long-term partner who's invested in your property success, not just your next transaction.
Why our approach works
Why Sphere?
✓ Strategy-first approach
✓ We’re here for the long term
✓ Salaried brokers
✓ 60+ lenders, 800+ loan products
✓ 500+ five-star reviews
Salaried brokers mean better advice
Our brokers aren't chasing commissions. They're salaried, which means they can:
Take six months to help you save a bigger deposit (if that's the right move)
Recommend repricing your existing loan instead of refinancing (even though we don't get paid for that)
Tell you to wait if now isn't the right time to buy
Spend time on strategy without watching the clock
This isn't how a lot of brokerages work. And that's exactly why we do it this way.
We think long-term
Most brokers optimise for this transaction. We optimise for your next decade.
That means:
Choosing loan structures that work now and later
Thinking about tax implications as your portfolio grows
Planning for life changes (career moves, family, etc.)
Building relationships, not just processing applications
We simplify what's complicated
Offset accounts, redraw facilities, fixed vs. variable, principal and interest vs. interest-only, LVR, LMI, serviceability… There's a lot of jargon in this industry!
We explain it all in plain English, answer your questions without making you feel silly, and help you make decisions you actually understand.
Refinancing & equity FAQs
You might be wondering…
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If your rate isn't competitive anymore, your circumstances have changed, or you want to access equity for renovations or investment.
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As part of our service, we do regular check-ins to see if there are better options or ways to save you money. But a good rule of thumb is annually, or whenever your situation changes significantly.
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Home equity is the difference between your property's current value and what you still owe. You can use it for renovations, to buy an investment property, or to consolidate other debts. We can calculate how much equity you have and explain your options.
The loan process FAQs
You might be wondering…
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That depends on your income, expenses, deposit, and other commitments. We can give you an estimate once we review your details in a strategy call.
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Generally: ID, payslips, bank statements, and details of your assets and debts. We'll give you a full checklist once we start working together.
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Pre-approval can take a few days.
Full approval would be 1-2 weeks once we have all the documents we need, sometimes faster sometimes longer dependant on the lender.
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Some lenders require it, but there are options where gifted funds or rent history may be accepted. We'll talk through what works for your situation.
Working with sphere FAQs
You might be wondering…
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Not at all. While we're based on the Central Coast, we work with clients across NSW and nationally.
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That's totally fine. We're happy to have a conversation about your goals and help you figure out when you'll be ready. We're not here to rush you.
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Before we talk about loan products or interest rates, we talk about where you're headed. What are you working towards? What happens in 5 years? 10? We map that out first, then find the financing that supports your plan.
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You’ll get the keys to your property!
As for us, we’ll check in regularly, monitor your interest rate, and let you know if there are better options available. When you're ready for your next property move, we're already here.
Still have questions?
Can't find what you're looking for? Book a strategy call and we'll answer your specific questions.
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.