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Prestige Lending Group

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Lilydale, VIC
Prestige Lending Group

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Your trusted partner for smarter home, business & investment loans.

At Prestige Lending Group, we believe finance should be more personal, more strategic, and less stressful. Based in Victoria, our boutique firm helps Australians secure smarter lending options – from home loans and refinancing to commercial lending and asset finance. We take the time to understand your goals, explain your options clearly, and find tailored solutions that support your future. With access to a panel of trusted lenders and years of banking expertise, we provide guidance that’s transparent, ethical, and relationship-focused. Whether you’re buying your first home, upgrading, or investing – we’re here to help you make confident, informed financial decisions, every step of the way.

28/10/2026

🏡 WEEKLY CREDIT TIPS – TIP #10

📂 PAID OFF A DEBT? KEEP THE EVIDENCE!

🎉 Congratulations on paying off your personal loan, car loan or credit card!

But did you know that a paid-off debt may still appear on your credit report or be considered during a home loan assessment?

Without proper documentation, this could delay your application.

🔑 4 IMPORTANT STEPS:

✅ 1. Keep Proof of Payment
Request a payout confirmation or account closure letter from your lender.

✅ 2. Check Your Credit Report
Ensure your account details are accurate. Closed accounts can remain visible for years.

✅ 3. Tell Your Mortgage Broker
Provide evidence of recently repaid debts so your broker can accurately assess your borrowing capacity.

✅ 4. Avoid Approval Delays
Having the right documents ready can prevent unnecessary lender questions.

💡 JEEVAN'S CREDIT TIP

Don't just pay off your debts. Keep the paperwork to prove it!

A simple closure letter could make your next home loan application much smoother.

🏆 WHY PRESTIGE LENDING GROUP?

With 20+ years of banking and finance experience and recognition as a CBA Platinum Broker 2026/2027, I'm here to help simplify your lending journey.

📞 Let's review your home loan readiness!

Jeevan Perera | Mortgage Broker
Prestige Lending Group

📱 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au

✨ Smarter Loans. Better Solutions.

General information only. Lending subject to approval.

Corporate Credit Representative No. 570 372 is authorised under Australian Credit Licence No. 517 192.

28/10/2026

Thank you, Saman Ravindra for leaving us a review.
Read full review: https://cx.page/21zagv

28/10/2026

🌟 ANOTHER HAPPY CLIENT REVIEW! 🌟

🏡 SIMPLE PROCESS. STRESS-FREE EXPERIENCE.

At Prestige Lending Group, we believe securing a home loan should be about more than just finding a competitive interest rate. It's about providing clear advice, complete transparency and personalised support throughout the entire journey.

We're delighted to receive another ⭐⭐⭐⭐⭐ Google review from Saman Ravindra!

💬 Here's what Saman had to say:

"Jeevan made the whole home loan process feel simple and stress-free."

Saman highlighted the importance of comparing multiple lenders, understanding why a particular loan was recommended, and having all fees and costs clearly explained.

He also appreciated the quick responses, efficient service and regular updates throughout the process.

🙏 Thank you, Saman, for your wonderful feedback and for trusting Prestige Lending Group with your home loan journey!

🔑 WHY CHOOSE PRESTIGE LENDING GROUP?

✅ Clear, honest and personalised advice
✅ Access to a wide range of lenders
✅ Transparent explanations of fees and costs
✅ Prompt communication and regular updates
✅ Ongoing support beyond settlement

🏆 With over 20 years of banking and finance experience and recognition as a Commonwealth Bank Platinum Broker for 2026/2027, I'm committed to helping clients make informed lending decisions with confidence.

📞 Buying, refinancing or investing? Let's talk!

Jeevan Perera | Mortgage Broker
Prestige Lending Group

📱 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au

✨ Smarter Loans. Better Solutions.

Corporate Credit Representative No. 570 372 is authorised under Australian Credit Licence No. 517 192.

25/10/2026

🏡 BENNY’S HOME LOAN JOURNEY – EPISODE 05
“Life as a Homeowner”
Dream. Decide. Done. ✅
Benny did it! 🎉
What started with $30,000 in savings and the belief that he needed a 20% deposit has ended with Benny holding the keys to his very own home. 🔑🏠
But getting the keys isn't the end of Benny’s financial journey — it’s the beginning of a new chapter.
Now Benny starts learning how to manage his home loan effectively. He keeps money in his offset account, considers making additional repayments when possible, keeps an eye on his budget and regularly reviews whether his loan is still competitive and suitable for his circumstances.
And being Benny… it doesn't take long before he starts thinking about what's next. 😄
💭 “Should I renovate?”
💭 “Could I buy an investment property?”
💭 “Maybe a bigger home one day?”
As Benny's income, property value, loan balance and personal circumstances change, his options may change too.
That's why our relationship doesn't finish at settlement.
I’ll continue to be there to help Benny review his lending, understand his options and plan for whatever his next property goal might be.
Benny started this journey thinking home ownership was years away.
Now he's a homeowner — and he's already dreaming about what comes next. 🚀
Same Benny. New Chapters.
And I think Benny might be about to discover something called EQUITY… 👀📈
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
This fictional scenario is for general educational purposes only. Loan features, including offset and redraw facilities, vary between lenders and products. Additional repayments and refinancing should be considered having regard to your individual circumstances, loan terms, costs and lender requirements.

12/10/2026

🏡 BENNY’S HOME LOAN JOURNEY – EPISODE 04
“Offer Accepted! Now What?”
Great news for Benny… his offer has been accepted! 🎉
After saving his deposit, getting pre-approved, searching for properties, reviewing the numbers and finding the right home, Benny is now another big step closer to becoming a homeowner.
But an accepted offer doesn't mean the home-loan process is finished.
The next step is to move Benny’s application towards formal approval.
🏦 VALUATION & FINAL ASSESSMENT
The lender arranges a valuation of Benny’s new property and completes its final assessment.
And because Benny is purchasing under the Australian Government 5% Deposit Scheme, another important piece of the puzzle is confirmed:
🇦🇺 Government Guarantee Certificate Received ✅
Once all of the lender’s requirements are satisfied…
🎉 FORMAL APPROVAL!
Benny then receives and signs his home-loan documents, while we work with the lender and Benny’s solicitor/conveyancer to make sure everything required for settlement is organised.
Then comes the day Benny has been waiting for…
🔑 SETTLEMENT DAY!
The transaction settles and Benny finally gets the keys to his first home. 🏠❤️
Remember where Benny started?
He had $30,000 saved and thought he needed to keep saving until he had a 20% deposit.
Four episodes later…
BENNY IS A HOMEOWNER! 🎉🏡
His journey is a good reminder that understanding your options can make a huge difference.
And Benny’s story isn't finished yet…
Same Benny. New Chapters. 😉
What financial decision will Benny make next?
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
This is a fictional scenario for general educational purposes. Lending criteria, valuation requirements and loan approval conditions apply. Eligibility requirements apply to the Australian Government 5% Deposit Scheme. A pre-approval or Government guarantee does not itself constitute unconditional loan approval.

08/10/2026

💳 WEEKLY CREDIT TIP #9
DON’T HIDE A DEBT — TELL YOUR BROKER EVERYTHING.
When applying for a home loan, giving your broker the full picture from the beginning is important.
Even commitments you rarely use or consider insignificant may affect how a lender assesses your borrowing capacity.
Make sure your broker knows about:
💳 Credit Cards – even with a $0 balance, the credit limit may affect borrowing capacity.
💰 Personal Loans – outstanding balances and repayments form part of your commitments.
🚗 Car Finance – existing repayments need to be included in the assessment.
🎓 HECS/HELP – student loan obligations may affect your take-home income and borrowing capacity.
🛒 Buy Now, Pay Later – BNPL facilities may also be considered by lenders.
💡 Why does full disclosure matter?
Lenders may identify liabilities through your credit report, bank statements and supporting documents.
Finding an undeclared commitment later could result in additional questions, delays or reassessment of your application.
👉 Tell your broker everything upfront. It allows us to properly understand your position and consider suitable lenders and loan options before submitting your application.
FULL DISCLOSURE TODAY. A STRONGER PATH TO YOUR TOMORROW.
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
Corporate Credit Representative No. 570 372 is authorised under Australian Credit Licence No. 517 192.
General information only. Lending criteria and assessment requirements vary between lenders.

07/10/2026

⭐ MORE THAN A LOAN. A PARTNER YOU CAN TRUST.
Receiving feedback like this from Lochana Premarathna means a lot — especially when the relationship goes beyond simply arranging a home loan.
For me, mortgage broking isn’t just about getting a loan approved. It’s about understanding the bigger picture, helping clients structure their lending appropriately, explaining their options clearly, and being there throughout their property journey.
Lochana, thank you for trusting me and Prestige Lending Group with your home loan journey, and for taking the time to share such generous feedback. It’s been a pleasure helping you and your family. 🙏
Whether you’re:
🏡 Buying your first or next home
📈 Building an investment portfolio
🔄 Refinancing your existing loans
💰 Reviewing your loan structure and options
I’m always happy to have a conversation and see what may be possible.
More than a loan. A partner you can trust.
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
Corporate Credit Representative No. 570 372 is authorised under Australian Credit Licence No. 517 192.

04/10/2026

🏡 BENNY’S HOME LOAN JOURNEY – EPISODE 03
“The House Hunt Begins!”
Benny now knows his budget and understands how much he may be able to borrow.
So, what happens next? 🤔
First, we submit Benny’s home loan application to a suitable lender based on his financial position and requirements.
And then comes the good news… 🎉
✅ PRE-APPROVAL RECEIVED!
Benny receives a home loan pre-approval that is valid for 90 days, giving him a clearer budget and the confidence to start looking for his first home.*
Now the fun begins! 🏠🔍
During his pre-approval period, Benny starts searching for properties on realestate.com.au, shortlisting homes within his budget and arranging inspections.
But Benny isn’t doing the research alone.
Before each inspection, I provide Benny with property reports and market insights to help him better understand the property and surrounding market — including comparable sales, estimated value ranges and other useful information.
After attending several inspections…
😍 Benny finally finds a property he loves!
But he doesn't rush into making an offer.
Before proceeding, Benny engages a trusted solicitor/conveyancer to review the Contract of Sale and Section 32 Vendor Statement and provide him with the appropriate legal advice.
Once Benny is comfortable with the legal review…
📝 IT’S TIME TO MAKE AN OFFER!
From pre-approval to property research, inspections and contract review, having the right professionals around you can make the first-home journey much easier to navigate.
But will Benny’s offer be accepted? 👀
NEXT EPISODE: Benny Makes His Offer! 🏡🤞
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
Pre-approval periods, conditions and lending criteria vary between lenders. Pre-approval is not unconditional loan approval. Property reports and market information are general information only and are not property, valuation, legal or financial advice. Buyers should obtain independent legal advice before entering into a Contract of Sale.

02/10/2026

Thank you, Nadeesha Jayasuriya for leaving us a review.
Read full review: https://cx.page/8r6f2j

01/10/2026

💳 WEEKLY CREDIT TIP #8
🏡 Applying for a Home Loan Soon? Pay Attention to Your Account Conduct.
When preparing for a home loan, most people think about their income, deposit and credit score.
But lenders may also look at how you manage your day-to-day accounts.
Your recent account conduct can form part of the overall assessment, so it’s worth paying attention to:
🔸 Overdrawn accounts – regularly spending beyond your available balance may raise questions.
🔸 Dishonoured payments – failed direct debits or repayments may indicate difficulty meeting commitments when due.
🔸 Late repayments – missed or late payments on loans, credit cards and other commitments may affect your application and, in some cases, your credit file.
🔸 Other commitments – car loans, personal loans, credit cards and BNPL facilities can all be considered when assessing your position.
💡 The takeaway?
If you're planning to apply for a home loan, don't just focus on your deposit.
Good financial habits before applying can help put you in a stronger position.
And if you've had an issue with your account conduct, don't automatically assume you can't get a home loan. Different lenders can assess circumstances differently.
👉 Speak to your broker early. We can review your position, identify potential concerns and consider suitable lender policies before submitting an application.
GOOD ACCOUNT HABITS TODAY. MORE OPPORTUNITIES TOMORROW.
Jeevan Perera | Mortgage Broker
Prestige Lending Group
📞 0404 172 080
📧 [email protected]
🌐 prestigelendinggroup.com.au
Corporate Credit Representative No. 570 372 is authorised under Australian Credit Licence No. 517 192.
General information only. Lending criteria and approval requirements vary between lenders.

Address

3 Daniels Street
Lilydale, VIC
3140

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+61478401950

Website

https://prestigelendinggroup.com.au/

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