Hit Your Bank's Borrowing Limit? There's Often More Capacity Than They're Showing You.
Most lenders assess your rental income at just 70% when calculating what you can borrow for an investment property mortgage broker strategy session. That gap is often where $150,000-$200,000+ in additional capacity is hiding. Mirasol San Esteban has spent 25 years helping investors find specialist lenders who calculate your income more favourably.
Your Bank's Limit Is One Lender's Opinion: Investors who come to Mirasol after being told they've maxed out regularly qualify for $150,000-$200,000+ more than their bank quoted. Same income, same portfolio, different lender, different result.
Specialist Lender Matched Before Anything Is Submitted: With 25 years across investment, commercial, and SMSF lending, Mirasol knows exactly which of her 40+ lenders will assess your rental income most favourably for your specific portfolio structure, before a single application is lodged.
Free Session. Zero Credit Impact. Mirasol's service costs nothing and has no effect on your credit score. You'll leave knowing exactly what you can actually borrow, which lenders suit your setup, and what your next step looks like.
Calculate Your 'Hidden' Borrowing Capacity
Trusted by Australian Property Investors
Proven Results That Speak for Themselves
Investment Home Loans Settled
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Our Solution
Strategic Investment Property Financing for Investors Who Want to Scale
The Process
Securing Your Investment Property Loan Is This Simple
Step 3
Settled and Structured for What's Next
Once your loan settles, Mirasol doesn't disappear. She conducts annual reviews, monitors for better rate opportunities, and maps your borrowing capacity for the next acquisition before you need it. Walk away from settlement knowing your portfolio is structured to keep growing.
5 Star Rated
by Investors Across Australia
Reviews
What Our Investor Clients Say
Proven results across investment property loans and portfolio structuring.
Investors who came to us with complex investment property lending situations, and left with a clear path to their next acquisition.
Sphere Loans helped me with home loans for 2 of my properties so far and they are the best in the field. I can recommend them to anyone who is looking to get home loans or overthinking about their serviceability. Just pay a visit and meet Mirasol. She can work miracles. My serviceability was declined at one bank but Mirasol worked really hard along with me and got everything sorted in no time. She is a weapon. Highly recommend.
MM
Mohan M.
Verified Google Review
We can't speak highly enough of our experience with Mirasol and the Sphere Loans team. They helped us secure our first home in Australia, and three years later, guided us just as smoothly through buying our first investment property. What makes them exceptional is that they've never felt like 'just brokers.' They genuinely put us first by taking time to understand our needs, explaining everything clearly, and helping us feel confident at every step. They consistently go above and beyond, from finding the right property options to connecting us with the right people. Their support, patience, and warmth turned what could've been a stressful process into an easy and positive experience. We're incredibly grateful and wouldn't hesitate to recommend them to anyone looking for a broker with real heart and integrity.
KP
Kimmy P.
Verified Google Review
We are so overwhelmed and honoured for their help. It’s so amazing to get 2 home loan approved in 2 months. We really appreciated all the help and support given to us. We strongly recommend Sphere Loans 100% no doubts. Thank you so much Sphere Loans and special mention to Ms. Mirasol Esteban (our broker).
JM
Jing M.
Verified Google Review
Sphere Loans provided us with an excellent and professional service in securing us the best home loan product out there. We would like to personally thank Mirasol for her knowledge, proactive attitude, and hard work. She is always available to answer our queries and guided us through every step of the home loan application with utmost diligence and transparency. This is the 2nd time we've used their services and we're looking forward to the next. Another happy customer here.
NR
Noel R.
Verified Google Review
The moment a relative recommended Sphere Loans to us was one of the best decisions we have made. Our real estate journey was complex and hard but Mirasol and her team guided us all the way through. They recommended us to the right people who helped us make it happen. My family are truly grateful for their expertise and complete support that made our journey a success.
J
Jerwin.
Verified Google Review
Mirasol helped us with our recent investment purchase. She was friendly and professional throughout the entire process. She was on top of any issue that arose. We definitely would recommend her services to others!
MG
Maris G.
Verified Google Review
Sphere Loans has provided exceptional service to me when I decided to buy a home and simultaneously sell my place of residence. Whilst one major bank said that it is a tricky process and others have made it almost impossible, Sphere Loans made it easy.
FV
Frances V.
Verified Google Review
This is our second investment. Mirasol has been there with us since we bought our first home. We've grown our portfolio through Mirasol's help. Painless and hassle free process. Thanks Mirasol!
JB
Jeff B.
Verified Google Review
Working with Mirasol and the team was outstanding from start to finish. They made the finance process simple, clear, and stress-free, explaining every step and securing a great loan option for me. Their communication was prompt, and they were always available to answer questions. I felt fully supported throughout and couldn't be happier with the outcome. Highly recommend to anyone needing a reliable broker.
NL
Nikki L.
Verified Google Review
Your Investment Lending Specialist
Meet Mirasol San Esteban
I've spent 25 years watching major banks decline perfectly serviceable investment loan applications. Not because the borrower couldn't afford it, but because their serviceability model was never built for investors. I founded Sphere Loans in 2003 specifically to bridge that gap. With a background spanning both banking and specialist lending, I know exactly how lenders assess investment portfolios, where they cap borrowing capacity, and how to structure an application so the right lender says yes.
I specialise in the files other brokers find difficult. Whether you're navigating your first investment home loan, scaling a multi-property portfolio, or working through a complex SMSF or commercial structure, I bring the strategic architecture and lender knowledge required to keep your portfolio growing. I don't work for the banks. I work exclusively for you.
Accredited Member, FBAA and AFCA: Held to the highest professional and ethical standards in the industry.
Specialist Expertise in SMSF, Commercial, and Portfolio Lending: The complex files other brokers send to the too-hard basket are where I do my best work.
40+ Specialist Lenders on Panel: Access to institutions that assess investment portfolios far more favourably than the Big 4 — including lenders who recognise up to 90% of your rental income.
FAQ
Frequently Asked Questions
Will I qualify if I already have one or two properties?]
Yes, in most cases. Many investors who come to Mirasol after being told they've hit their limit with one lender qualify for significantly more through a specialist. Eligibility depends on your income, existing portfolio structure, and which lender's serviceability model is applied. The strategy session is specifically designed to assess your position and give you a clear answer before anything is submitted.
Will booking a session affect my credit score?
No. Your initial strategy session with Mirasol involves no credit check and has zero impact on your credit file. A hard enquiry only occurs when a formal application is lodged with a lender, and Mirasol only does that once she has identified the right lender for your exact situation. No shotgunned applications, no unnecessary marks on your file.
How much does this cost me?
Nothing. Mirasol is paid by the lender upon settlement, not by you. The strategy session, lender research, application preparation, and settlement coordination are all completely free to you from start to finish.
How long does the process take?
Most clients receive a clear borrowing assessment within their first strategy session. From there, pre-approval timelines vary by lender and complexity, but Mirasol manages the entire process and keeps you updated at every stage. The more organised your financials going in, the faster things move, and she'll tell you exactly what to prepare on the call.
Why not just go to my bank directly?
Your bank can only offer their own products and assess your application against their own serviceability model. Mirasol compares across 40+ lenders, including specialist institutions whose policies are designed specifically for investors, and finds the one whose model works best for your income type, portfolio structure, and long-term goals. That difference is often $150,000-$200,000+ in additional borrowing capacity.
