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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Best Home loan advice - The assessment rate changes Q&amp;amp;A. - Rachelle Kroon</image:title>
      <image:caption>If you’ve got any questions at all, please reach out to me or the same great team here at Sphere Home Loans. Contact</image:caption>
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  <url>
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      <image:title>Best Home loan advice - New look, same great team - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Best Home loan advice - New look, same great team - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621832953669-OY16NFH2I15SPCMQP3QT/Rachelle-Kroon.png</image:loc>
      <image:title>Best Home loan advice - New look, same great team - Rachelle Kroon</image:title>
      <image:caption>If you’ve got any questions at all, please reach out to me or the same great team here at Sphere Home Loans. Contact</image:caption>
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    <loc>https://www.spherehomeloans.com.au/blog-old/tag/first+home+buyers</loc>
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    <loc>https://www.spherehomeloans.com.au/blog-old/tag/medical+professionals</loc>
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    <loc>https://www.spherehomeloans.com.au/blog-old/tag/no+LMI</loc>
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    <loc>https://www.spherehomeloans.com.au/aboutold</loc>
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    <lastmod>2026-07-08</lastmod>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help</image:title>
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      <image:title>Against the banks - we can help - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1630478335198-CMZ3ZSIABX3YVLG8IGT5/Awards.png</image:loc>
      <image:title>Against the banks - we can help - Awards</image:title>
      <image:caption>Regularly featured in the MPA top 100 Brokers Nationally Finalists in the AFG broking awards the past 7 consecutive years The Adviser top Regional office 2019</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>Against the banks - we can help - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>Against the banks - we can help - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>Against the banks - we can help - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>Against the banks - we can help - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/upsizing</loc>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621556572733-4AFL0PETSD09K05P9AJ6/pexels-expect-best-323775.jpg</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1627951920040-IW6B444HN7PMOYP4DST9/ProcessMap.png</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - There are 2 phases in our process</image:title>
      <image:caption>Phase 1: Prior to submitting your application Phase 2: Application submitted</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621820628056-8EPG6EXEGWLKE1E3FAOI/pexels-cottonbro-4569863.jpg</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>Your life has changed, so lenders should look at you differently now. We can help. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/firsthome</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621390017019-9O3J9GEXFWHC2R8ATRTU/pexels-anastasia-shuraeva-5495067.jpg</image:loc>
      <image:title>first time home buyer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1627951920040-IW6B444HN7PMOYP4DST9/ProcessMap.png</image:loc>
      <image:title>first time home buyer - There are 2 phases in our process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>first time home buyer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>first time home buyer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>first time home buyer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>first time home buyer - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/invest</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621557803192-ZZSCRB85W60KTYRYOZUK/pexels-serpstat-572056.jpg</image:loc>
      <image:title>Developing a borrowing strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1627951920040-IW6B444HN7PMOYP4DST9/ProcessMap.png</image:loc>
      <image:title>Developing a borrowing strategy - There are 2 phases in our process</image:title>
      <image:caption>Phase 1: Prior to submitting your application Phase 2: Application submitted</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>Developing a borrowing strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>Developing a borrowing strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>Developing a borrowing strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>Developing a borrowing strategy - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/contact-old</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1627953482298-U0MFP4C11FRJWF0QHQ5Y/Sphere_logo_White_Tag.png</image:loc>
      <image:title>Contact3 - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/refinance</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2021-09-02</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621558775940-T1QD7LHLQP41RIH9SNJQ/pexels-vlada-karpovich-4050430.jpg</image:loc>
      <image:title>We continue to search for savings on your mortgage. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1627951920040-IW6B444HN7PMOYP4DST9/ProcessMap.png</image:loc>
      <image:title>We continue to search for savings on your mortgage. - There are 2 phases in our process</image:title>
      <image:caption>Phase 1: Prior to submitting your application Phase 2: Application submitted</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>We continue to search for savings on your mortgage. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>We continue to search for savings on your mortgage. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>We continue to search for savings on your mortgage. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>We continue to search for savings on your mortgage. - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/homeold</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/49001ce1-dbab-44aa-b406-f350da8c22b7/Westpac.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Westpac logo with red symbol and navy blue text</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/41483dc3-94ff-4c3a-b02a-2aa14c9dbd28/Suncorp.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Suncorp logo with text and a yellow circle</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/11f18e62-6ff3-48c7-be9a-c4af635908e8/Teachers.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Teachers Mutual Bank logo with slogan 'We put you first'.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1db95cfd-3f3f-4540-bb1b-4d125a26ab57/AMP.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>AMP logo featuring the letters 'AMP' and a stylized plant or leaf design.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/2d884209-c531-4f1a-b2bc-4075e576e61f/CAN.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Commonwealth Bank logo with yellow and gold design and black text</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/d7c06353-22f0-4697-9712-51a79aefd961/ANZ.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>ANZ bank logo with blue text and emblem on a white background</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/b2c65c64-aa7f-40a6-8cc1-b81515ae6354/Bankwest.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Bankwest logo with an orange rectangle and white text</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/c5ab7ecf-0126-4cd3-b4c4-b4d5ea59e93d/BOM.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Bank of Melbourne logo with purple shield and text</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/a9a996ea-08de-4639-9af4-c711a66b0efe/BOQ.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Logo of the Bank of Queensland with a stylized blue and gold design.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/4f3071bf-d3aa-45aa-8b78-f61eea28bb61/BOS.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Bank of Sydney logo with a geometric blue and gray icon and black text</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/9ae7a580-f17a-42a3-8f96-48df23508e98/Bluestone.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>BlueStone Mortgages logo with a blue and gray globe above the company name</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/710a5bb1-cb73-4a18-8763-c21db7e89ef4/Liberty.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Liberty logo with a blue sailboat icon above the word 'Liberty' on a white background</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/11d22004-0155-49c1-ba41-ac2caf221b63/Macquarie.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Design inspired by a Macquarie Bank logo resembling a vinyl record with black and white concentric circles and the text 'MACQUARIE BANK' below.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/d0d9a09b-7ba4-443b-85a5-e69cdd1b626b/NAB.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>NAB logo with a red star and black text on a white background.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/4bae208b-1549-4f98-96df-7bd255dc0c1f/ME.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Black and white circular logo with a smiling face and the word 'me' inside the face</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/223f0d08-cd1f-4749-a5e4-113db74cb76c/Newcastle.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Newcastle Permanent bank logo with black icon and text on white background</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/04044ce3-10a1-499a-a1e8-63fdd59c91db/ING.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>ING bank logo with an orange lion icon and blue text on a white background</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/3439110b-0dce-410a-88f4-13d29cd5f259/CitiBank.png</image:loc>
      <image:title>Home Loan</image:title>
      <image:caption>Citibank logo on a white background</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/8e3b8112-71f0-482f-a846-40bee8c091f4/St.George.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/ed3757c1-e986-487c-b010-7a87796b13c5/Firefighters.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/b51f5a7a-5257-470b-81e9-b3107c9ba2df/Pepper.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/903bcf2d-bb51-4dfa-b652-f7b72bc24b5e/AFG.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/f789231c-5a60-4994-9d11-e0492ad585a0/Heritage.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/35c19d91-8dc6-4f88-a70b-c86acbbc9a86/IMB.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/117b2ddd-da90-43fa-b0d9-bc4875fc2363/LaT.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/8419b4f4-4467-4556-bd5b-ae60437271c2/Uni.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/f3f4887e-1f4e-408c-b103-ce30ab7172be/Adelaide+Bank.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/0b3f5cf5-a37c-498f-b365-bd17bbc825fd/Bank+Australia.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/3d51cf7a-e642-4900-b88d-a355341ec3b2/Bank+SA.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/9fb1c0ac-b32e-4f27-b792-40e807e34ac9/First+Mac.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/276757bf-ac45-4493-be9e-2e5ab4f16125/Granite.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/a62b54d1-2820-46be-b1c3-4b5468d6fbfa/Great+Southern+Bank.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/2343f541-5504-465a-bc11-ce6578dde11b/HSBC.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/9a90ee9a-e2a1-4ff0-afe6-66e231af0e08/My+State+Bank.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/16509b36-8d96-42d5-b9f5-4b1f871fb06d/Ubank.png</image:loc>
      <image:title>Home Loan</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/9c362979-6cad-4601-bf7d-9be53eb41a8b/Group+Photo+%281%29.jpg</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621563202777-943K1EZ8IGQ09Q9KJ412/Sphere_tagline_white.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621388286422-J9BD4V3Z1VGZSHJO2EP7/Upsizing_Icons.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621388370514-XRFX5SQ8RCL07MM3O3U1/Refinance_Icons.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621388342025-UEFMMUW9NMWGKBJWZ26I/BuyHome_Icons.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621388388226-1970V4JVO8LS0V5E2EPS/Folio_Icons.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/a95871b2-9b31-4129-a5c3-5e9dafca9206/Sphere+Home+Loans+-+Reviews+WEBSITE.png</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/8acc4e3c-65a4-4734-b039-8d5b8307548c/Building-A-House-Involves.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621563202777-943K1EZ8IGQ09Q9KJ412/Sphere_tagline_white.png</image:loc>
      <image:title>Home Loan - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/nextstep</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/49001ce1-dbab-44aa-b406-f350da8c22b7/Westpac.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/41483dc3-94ff-4c3a-b02a-2aa14c9dbd28/Suncorp.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/11f18e62-6ff3-48c7-be9a-c4af635908e8/Teachers.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1db95cfd-3f3f-4540-bb1b-4d125a26ab57/AMP.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/2d884209-c531-4f1a-b2bc-4075e576e61f/CAN.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/d7c06353-22f0-4697-9712-51a79aefd961/ANZ.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/b2c65c64-aa7f-40a6-8cc1-b81515ae6354/Bankwest.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/c5ab7ecf-0126-4cd3-b4c4-b4d5ea59e93d/BOM.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/a9a996ea-08de-4639-9af4-c711a66b0efe/BOQ.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/4f3071bf-d3aa-45aa-8b78-f61eea28bb61/BOS.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/9ae7a580-f17a-42a3-8f96-48df23508e98/Bluestone.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/710a5bb1-cb73-4a18-8763-c21db7e89ef4/Liberty.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/11d22004-0155-49c1-ba41-ac2caf221b63/Macquarie.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/d0d9a09b-7ba4-443b-85a5-e69cdd1b626b/NAB.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/4bae208b-1549-4f98-96df-7bd255dc0c1f/ME.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/223f0d08-cd1f-4749-a5e4-113db74cb76c/Newcastle.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/04044ce3-10a1-499a-a1e8-63fdd59c91db/ING.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/3439110b-0dce-410a-88f4-13d29cd5f259/CitiBank.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/8e3b8112-71f0-482f-a846-40bee8c091f4/St.George.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/ed3757c1-e986-487c-b010-7a87796b13c5/Firefighters.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/b51f5a7a-5257-470b-81e9-b3107c9ba2df/Pepper.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/903bcf2d-bb51-4dfa-b652-f7b72bc24b5e/AFG.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/f789231c-5a60-4994-9d11-e0492ad585a0/Heritage.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/35c19d91-8dc6-4f88-a70b-c86acbbc9a86/IMB.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/117b2ddd-da90-43fa-b0d9-bc4875fc2363/LaT.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/8419b4f4-4467-4556-bd5b-ae60437271c2/Uni.png</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1623034402372-UUJFAZYPZ5VPEQ5EMZ1Z/Process-Sunrise.jpg</image:loc>
      <image:title>Next Step Process</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1623034251975-SY1EGL0XUZENMBML6NMT/Process_fun.jpg</image:loc>
      <image:title>Next Step Process - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621563202777-943K1EZ8IGQ09Q9KJ412/Sphere_tagline_white.png</image:loc>
      <image:title>Next Step Process - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1660549925756-YEXTPSRMJKA6EW6UMUZB/Courtney+Horwood.jpg</image:loc>
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    <changefreq>daily</changefreq>
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    <image:image>
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    <priority>0.75</priority>
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    <image:image>
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      <image:title>Medical, mining, legal and accountancy professionals can equal lower interest rates - There are 2 phases in our process</image:title>
      <image:caption>Phase 1: Prior to submitting your application Phase 2: Application submitted</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389682540-SD1IZPVC8G5MAPHV085P/Upsizing_Light_Icons.png</image:loc>
      <image:title>Medical, mining, legal and accountancy professionals can equal lower interest rates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389841409-2VKOS5LKP8EF9XE59VMW/Refinance_Light_Icons.png</image:loc>
      <image:title>Medical, mining, legal and accountancy professionals can equal lower interest rates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389859885-7K0LED9FB6B20JQUH3WJ/BuyHome_Light_Icons.png</image:loc>
      <image:title>Medical, mining, legal and accountancy professionals can equal lower interest rates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621389877521-HHM4A0WWZ33HQ2OP7OR2/Folio_Light_Icons.png</image:loc>
      <image:title>Medical, mining, legal and accountancy professionals can equal lower interest rates - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/freepropertyreport</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/3616016a-b418-49a0-b235-0852917bbd34/Sphere_Team.gif</image:loc>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/c316e30e-5c96-4768-945f-bb02b6b32a67/Render%2B2%2B%28TILT%29%2B-%2BNo%2BBackground.webp</image:loc>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/newsletter-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-07-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621563202777-943K1EZ8IGQ09Q9KJ412/Sphere_tagline_white.png</image:loc>
      <image:title>Newsletter (Duplicate to test form)) - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/newsletter</loc>
    <changefreq>daily</changefreq>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/60a33f1cbe9c64262a179d65/1621563202777-943K1EZ8IGQ09Q9KJ412/Sphere_tagline_white.png</image:loc>
      <image:title>Subscribe To Our Newsletter - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://www.spherehomeloans.com.au/careers-old</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
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      <image:title>HOME</image:title>
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      <image:title>HOME</image:title>
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      <image:title>HOME</image:title>
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      <image:title>HOME</image:title>
    </image:image>
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      <image:title>HOME</image:title>
    </image:image>
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      <image:title>HOME</image:title>
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