Unlock Your 'Hidden' Borrowing Capacity and Secure Your Next Investment Property.
Most banks use rigid calculators that artificially cap your growth. We specialise in the portfolio-focused lending structures and higher rental shading required to unlock your borrowing power that the banks won't tell you about.
Identify Your "Dormant" Capacity: We look past basic PAYG tests to find the untapped borrowing power hidden within your current property portfolio.
Recognise 90% Rental Yield: Match with specialist lenders who actually count your rental income, allowing you to purchase your 3rd, 5th, or 10th property.
Scale Without Limitations: Leverage 25 years of insider experience to secure un-crossed structures and strategic equity access for continuous growth.
Calculate Your 'Hidden' Borrowing Capacity
Trusted by Australian Investors
Proven Results That Speak for Themselves
In Lending Secured
Investors Helped
Years Industry Experience
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Our Partners
Accredited to Compare 40+ Leading Lenders
Our Solution
Strategic Lending for Investors Who Want to Scale
The Process
Securing Your Investment Loan is This Simple
Step 3
Settlement & Scalability Review
Once your loan is settled, we don't just walk away. We monitor the market for better rates and conduct annual reviews to ensure your loan architecture remains optimized for your next purchase. Experience the confidence of knowing your financial foundation is structured for continuous portfolio growth.
5 Star Rated
by Investors Across Australia
Reviews
What Our Investor Clients Say
Investors who came to us with complex situations, and left with a clear path forward.
Sphereloans 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 failed from 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. We’re incredibly grateful and wouldn’t hesitate to recommend them.
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
We turned to Sphere Loans when our bank of 10 years (one of the big 4’s) declined to provide a second loan considering our first home loan had only 30K left then and after they’ve given us a conditional approval to purchase another one, but at the last minute the old bank backed off. Mirasol was very knowledgeable in this field and has guided us in every step of the home loan process providing us information that is both very useful and understandable for us.
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 for 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
It was a great pleasure dealing with Mirasol, she has gone extra miles to get the right results for us, she is very professional and always prompt to reply to all our enquiries. We would highly recommend her to anyone. It was really a stress free experience, Thanks to Mirasol.
AS
Adarsh S.
Verified Google Review
Your Investment Lending Specialist
Meet Mirasol San Esteban
I’ve spent the last 25 years watching major banks decline perfectly good investment loans simply because their 'one-size-fits-all' algorithms couldn't see the full picture. I founded Sphere Loans to bridge that gap. With a background spanning both banking and specialist lending, I know exactly what needs to be in an application to get a 'Yes' when the Big 4 have already said 'No.'
I specialise in the files other brokers call 'too difficult.' Whether you’re struggling with complex self-employed income, navigating your first building contract, or you’ve hit a borrowing wall with your current bank, I provide the strategic architecture and insider knowledge required to keep your portfolio growing. I don’t work for the lenders—I work exclusively for you, ensuring your strategy is built for scale, not just a single settlement.
Founder & Director of Sphere Loans Australia (Est. 2003)
Accredited Member of FBAA and AFCA
Specialist Expertise in SMSF, Commercial, and Portfolio Lending
FAQ
Frequently Asked Questions
My current bank says I’ve reached my borrowing limit. How can you help?
Banks using standard serviceability models often "shade" rental income at 70-80% and include massive interest rate buffers. We have access to 40+ lenders, many of whom are portfolio-focused and will recognise up to 90% of your gross rent. This shift alone can often unlock $200k+ in additional borrowing capacity that your current bank simply won't acknowledge.
Should I go with Interest-Only or Principal & Interest for my investment loan?
Every situation is different, but for many investors, Interest-Only terms are a powerful tool for maximising cash flow and tax deductibility. We work with you and your accountant to weigh up the benefits of lower monthly commitments versus the ultimate goal of debt reduction, ensuring your loans are structured to support your next acquisition.
What is cross-collateralisation and why should I avoid it?
Cross-collateralisation is when a bank uses multiple properties to secure a single loan. While it's easier for the bank, it gives them complete control over your portfolio. We advocate for "un-crossed" loan architecture, giving you the flexibility to sell, refinance, or access equity in one property without having to restructure your entire investment portfolio.
How much of my equity can I actually access to buy another property?
Most lenders allow you to borrow up to 80% of your property’s value without paying Lenders Mortgage Insurance (LMI). We conduct a comprehensive valuation audit of your existing assets to see exactly how much "dormant equity" you have available to fund your next deposit, often without needing a fresh cash contribution.
Do your services cost me anything?
No. Our strategy sessions and loan management services are 100% free for our clients. We are paid by the lenders for the high-quality work we do in preparing and managing your application, meaning you get specialist, portfolio-level advice without any out-of-pocket costs.
