A clear process for buying homes. Every time.
Because we’re on your side during life’s biggest investments, we make the process as clear as possible.
Sphere Home Loans focuses on clear communication with our clients throughout the process of helping you enter the housing market and building your property portfolio. We explain to you the step-by-step process as we find savings and improved lending terms when you want to buy your first home, upsize, refinance, and buy investment properties. Your Sphere team uses its extensive knowledge of lenders to find lower interest rates, lower deposits, deposit-free loans, loans that require no mortgage lenders insurance, and lenders who will finance growing property portfolios sooner.
Our Home Loan Process
All documents received and application submitted
We will let you know once your financial application has been submitted to the lender.
Conditional Approval
We will advise of the approval conditions.
Valuation Ordered
We will let you know when the property will be valued.
Valuation Complete
We will inform you of the valuation outcome.
Formal Approval
We will inform you, your agent and solicitor (if applicable) of your successful approval.
Loan Documents Issued
We will let you know when to expect the documents so you can make time to sign them with a certified witness.We will go over the loan terms & conditions with you and discuss and answer any questions.
Loan Documents Returned
We will confirm the signed documents are at the lender for settlement preparation.
Insurance Check
Check current and future personal insurances.
Settlement
We will confirm once settlement has been effected.
Post Settlement
We will be in touch regularly (and yearly review your loan) and are always available to answer questions.
We work with over 40 lenders
Sphere Home Loans offers lending options from over 40 reputable lenders with access to 800 loan products, including all major banks and financiers, giving you enormous choice.
Using Sphere Home Loans is absolutely free of charge. No lender is favoured over another. They compete for your business.
What People Are Saying
“I was not aware of the no LMI (Lenders Mortgage Insurance) policy with my profession, Optometry. My current bank did not offer this to me. Rachelle took the time to find out more about my goals and went digging through multiple banks, to map out a plan and find the best loan for me.”
— Danya
“We were faced with council issues, builder issues, planning control issues and the onset of a global pandemic. The whole construction loan process from start to finish with Joe was by far the easiest part of the entire build/construction.”
— Adam
“Having less than a 20% deposit, Joe took the time to explain my options and helped me select a lender best suited for my circumstances. He was able to obtain a borrowing capacity above my expectations at a rate below any I’d seen advertised.”
