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Sphere Loans

Registration Active· ACL 388999Parramatta, NSWEst. 2014
5.0
Google
1Offices
12Yrs active
Suite 3, Level 3, 1 Horwood Place, Parramatta, NSW, 2150
02 8313 0520
ACL / Credit RepACL 388999Verify on ASIC registers
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CompareMyAgents Research Summary

This information is based on publicly available data and CompareMyAgents research. It does not constitute a recommendation.

  • Registration: Active · ACL 388999
  • Website reviewed: Website present and reviewed
  • Office location: 1 office location on record
  • Contact details: Contact information on record
  • Data source: Official register
  • Profile last updated: 17 July 2026

How we verify · Spot an inaccuracy? Let us know

Office locations

  • Primary office

    Suite 3, Level 3, 1 Horwood Place

    Parramatta, Parramatta, NSW, 2150

    02 8313 0520

Compare mortgage brokers in Parramatta.

Business overview

Sphere Loans (ARMI Finance Pty Ltd) is a Parramatta-based brokerage led by Mirasol San Esteban, who has worked in banking and finance since 1998. Operating under its own Australian Credit Licence (388999) and an FBAA member, it offers home, investment, commercial, SMSF, personal and car loans, plus loan-protection planning.

Based on publicly available information and CompareMyAgents research. Last updated July 2026.

Best for

Western Sydney borrowers who want a broker holding its own credit licence rather than operating under an aggregator's.

Services & pricing

ServicePrice
Broker ServiceFree (lender-paid)
Home & Investment LoansFree (lender-paid)
Commercial, Business & SMSF LoansFree (lender-paid)
Personal & Car Loans + Loan ProtectionFree (lender-paid)

Pricing based on publicly available information. Verify directly with the consultant.

Editorial assessment

What we love

  • Experienced director (in finance since 1998) with strong repeat-client and investor testimonials.

  • Holds its own Australian Credit Licence (388999) and is an FBAA member, and offers loan-protection planning alongside lending.

Where it falls short

  • A small, single-principal practice, so availability depends heavily on one broker.

  • Publishes a fees page — confirm any fees that apply to your situation before proceeding.

Based on CompareMyAgents research. Independent assessment — not provided by the business.

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Reviews(26)

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5.0

Google · 26 reviews

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Google reviewa month ago

I had an excellent experience working with Sphere Loans and could not be happier with the service I received. From the very beginning, Mirasol and her team were professional, knowledgeable, and genuinely committed to helping me secure the best home loan option for my situation. The entire process was explained clearly and handled with great efficiency. They were always available to answer my questions, provide updates, and guide me through every step, making what could have been a stressful process feel smooth and manageable. Their communication was outstanding, and I always felt informed and supported throughout the journey. What impressed me most was their dedication, transparency, and willingness to go the extra mile to achieve the best outcome possible. They took the time to understand my goals and worked hard to find a solution that suited my needs perfectly. I highly recommend Sphere Loans to anyone looking for trustworthy, reliable, and professional mortgage broker. Thank you again for the exceptional support and outstanding customer service — I truly appreciate all your help!

Maribel Fausto

Maribel Fausto

Google Maps

Google review2 months ago

Working with Mirasol and 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.

Nikki Leap

Nikki Leap

Google Maps

Google review4 months ago

Friendliest team to deal with and made every part of the financing and buying process streamline and fast. Highly recommend Mirasol and her team for your next property purchase.

Rafael De Leon

Rafael De Leon

Google Maps

Google review4 months ago

We had an excellent experience with Mirasol and her team. They were very supportive, professional and helpful throughout the process. Thank you for making it possible and easy for us.

Donna Defino

Donna Defino

Google Maps

Google review7 months ago

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. Thank you, Mirasol and team.

Kimmy Jonas Planta

Kimmy Jonas Planta

Google Maps

Frequently asked questions

CompareMyAgents Editorial

The bottom line

A Parramatta brokerage that holds its own Australian Credit Licence — less common than it sounds, as most brokers operate as credit representatives under an aggregator's licence. Office in Horwood Place, in the Parramatta CBD.

Independent editorial assessment by CompareMyAgents. Not paid for or approved by the business.

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