Strategy-first mortgage broking
Whether you're buying your first home, adding an investment property, or restructuring your portfolio, we start by understanding where you're headed, then find the financing that gets you there.
Our Approach
01
strategise what’s important to you
02
simplify all the complexities
03
support you through your property journey
Here’s how we work
-
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.
-
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.
-
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.
Every stage of the property journey
-
Just starting to save
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
-
Ready to buy your first home
First-time buyer? We'll help you:
Understand how much you can borrow
Navigate first home buyer grants
Choose the right loan structure for your situation
Think ahead (in case this becomes an investment property later)
-
Adding an investment property
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 three, four, and beyond
-
Planning your next move
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
-
Restructuring your portfolio
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
-
Complex Lending
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.
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.
Getting started FAQs
You might be wondering…
-
We compare loans from over 60 lenders (800+ products), then help you figure out which one makes sense for your situation and your goals. We also handle all the paperwork, liaise with agents, lenders and solicitors, and guide you through the process from start to settlement.
-
Banks can only offer their own products. We work with 60+ lenders, which means you get more choice, better options, and access to loans you won't find by walking into a branch.
-
Nothing. We're paid by lenders when your loan settles, so our service is completely free to you.
-
Fair question. Here's how it actually works: Our brokers are salaried, not commission-driven. That means they're not incentivised to push you towards any particular lender. We get paid the same regardless of which bank you choose, so we're free to recommend what actually makes sense for your situation, not what makes us the most money.
The loan process FAQs
You might be wondering…
-
That depends on your income, expenses, deposit, and other commitments.
We can give you an estimate once we review your details in our free strategy call.
-
Generally: ID, payslips, bank statements, and details of your assets and debts.
We'll give you a full checklist once we start working together.
-
Pre-approval can take a few days.
Full approval usually takes 4-6 weeks depending on the lender and property, sometimes faster, sometimes longer.
-
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…
-
Not at all. While we're based on the Central Coast, we work with clients nationally across Australia.
-
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.
-
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.
-
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.
Refinancing & equity FAQs
You might be wondering…
-
If your rate isn't competitive anymore, your circumstances have changed, or you want to access equity for renovations or investment.
-
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.
-
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.
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.