First Home

Being a first home buyer can be exciting. However, there are so much to do when buying your first home. Apart from where you want to live and the type of property you want, you also need to consider how much you can afford. So sit back and relax, we will go through the journey together. We will update you on the progress from getting a conditional approval to settlement. From 1 July 2017, the NSW Government has announced initiatives to support First Home Buyers. You maybe eligible for First Home Owners Grant - Click here for more info.


If you are thinking of refinancing your loan, it is because you want to save money and a better deal which could potentially save you thousands of dollars. You probably need extra features like redraw facility, your circumstances have changed, fixing a portion of your home loan to make way with the always changing market and maybe you are thinking of investment properties and need the extra cash using the equity for the deposit or simply you are not happy with your current lender.


We have helped many clients build their investment portfolio. Whether you are buying your first investment property or a seasoned investor, getting the right loan structure will help you build and maximise your wealth. There are many complexities with property investment so partnering with ARMI Finance will ensure you have the right strategy to achieving your goals.

Car, Bike Finance

If you are thinking of buying a new car or a motorbike and maybe a business vehicle such as ute or trucks, we can personalise your loan that suits you. ARMI Finance can offer a competitive rate and on the spot quote and an approval within 24 hours. Simply call us on (02) 8004 7302 to enquire.

Ariel San Esteban Managing Director

Ariel joined ARMI Finance soon as it was established in 2001 and is responsible for the development and execution of Strategic Planning and Marketing for ARMI Finance.

Mirasol San Esteban Director / Mortgage Broker

Is the founder and Director of ARMI Finance. She has worked in the Finance industry since 1998. It has given Mirasol a solid foundation in banking, finance and mortgage processing.

Sandra Azar Mortgage Broker

With strong background in mortgage processing and assessing, Sandra joined ARMI Finance as a Mortgage Broker to take on the next level of business expansion and growth in the Mortgage Brokering team.

Biana Annecchini Personal Assistant to Mirasol - Client Services

Biana joins ARMI Finance with experience in Administration and have previously worked for a reputable law firm. Biana will be supporting our mortgage broker team handling client services, correspondence to compliance.

Why Choose ARMI Finance

ARMI Finance offers a transparent loan process and we have invested on the latest technology the Mortgage industry offers providing us the tool and resources for better customer service, business management, compliance and regulation.

Between our staff, we have over 20+ years of experience in the Mortgage and Finance industry and we have been in business since 2003. We are available 7 days a week and can offer a mobile lending service so we can meet you at your convinience in your home or office. After hours are avialable by appointment.

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5 Year Interest Rate

2017: 1.50%
2016: 1.50%
2015: 2.5%
2014: 2.5%
2013: 3.0%
We've changed our name! ARMI Finance will now be trading as Sphere Loans Australia. As a growing company, it's time for new company direction, goals and visions. Stay tuned for more announcements. Please take a moment to visit our new website at

We have been nominated in the Parramatta Local Business Awards - Vote for ARMI Finance! For over 14 years, we've helped many individuals and families achieve their dream home and wealth through property investments. Please support us by voting at Local Business Awards - ARMI Finance - It only takes a few seconds! Many thanks in advance.

We welcome and introduce Biana Annecchini. She joined ARMI Finance as personal assistant to Mirasol and customer services. Biana will be supporting our mortgage broker team handling client services, pre/post settlements, correspondence to compliance. Biana has been with us since August 2016 and she has been an instrument to our success.
ARMI Finance appointed Sandra Azar as Associate Mortgage Broker. Sandra is leading the way in our Mortgage Brokering team and she is bringing on board a wealth of experience and extensive knowledge in Mortgage processing and assessing. We welcome Jainesh Pradhan as Trainee Finance Broker who is currently undertaking certifications and mentoring. Announcing our major iPad competition winner simply by liking our Facebook page.
ARMI Finance had a stall at a Filipino Fiesta 2015. Focused at promoting our brand to the filipino community. We also moved to a new office at Parramatta. Walking distance from the station and right under Westfields Shopping Centre.
ARMI Finance was a major sponsor at Piolo Pascual concert 2014!.

Get Started

Are you a first home buyer, selling house or investing? Start here.


Self Managed Super Fund (SMSF) - There’s never been a better time to purchase an investment through your superannuation. You can now borrow money to purchase a residential investment property within the superannuation fund, with property held in trust for the SMSF until the loan has been repaid. Call us today to enquire. Terms and Conditions apply.

Loan Protection

Everyday life events can impact your ability to meet your loan repayments. As part of responsible lending, I have a duty to ensure you have the capacity to service your loan without undue hardship.

Responsible Lending

Our duty of care. ARMI Finance is committed to: At all times to act in the best interests of our clients, Provide information and guidance to enable clients to make informed decisions. To provide for our clients the most appropriated facility for their needs. Read More...

We are fully accredited

To protect our clients interest, we are a proud member of Finance Broker Association of Australia (FBAA) and authorized by the Australian Securities and Investments Commission (ASIC) to provide credit assistance. Our Australian Credit Licence number is 388 999. We are also a member of Credit Ombudsman Service (COSL) and by being a member of COSL, ARMI Finance is committed to providing high standards of service and professionalism to clients.