Prospero Fund by Mark Yu

Prospero Fund by Mark Yu 🇦🇺 Filo Mortgage Broker
💼 First Home | Refi | Invest | Car Loan
📩 DM me for a free consult

"Akala ko isang pirasong pirmahan lang..." 😅It is a super common trap to fall into. You see a gorgeous house-and-land pa...
03/06/2026

"Akala ko isang pirasong pirmahan lang..." 😅
It is a super common trap to fall into. You see a gorgeous house-and-land package advertised for a single price, so you assume it’s one single purchase.
But as I break it down in the graphic below, two-step siya. You are signing one contract for the dirt, and an entirely separate contract for the bricks and mortar. This matters because:
Lenders treat them differently: Your paperwork and timelines look completely different compared to buying an established home.
The "In-Between" Gap: The time between settling on your land and actually starting the build can impact your loan setup.
The Hidden Extras: People often prepare perfectly for the land, but forget to leave a financial buffer for site costs, council requirements, and those "small upgrades" that quickly add up.
We want your building journey to be exciting, not exhausting.
👇 Let’s get you prepped early. Drop a comment below or send Mark a direct message, and we’ll share our simple, jargon-free prep checklist for land and build!

02/06/2026

Marami sa inyo ang nagtatanong: “Mark, ano ba talagang nangyayari kapag tumawag ako sa inyo?”
Minsan nakakakaba, lalo na kung first time mong kumausap ng broker.

Let me walk you through it right now. No surprises.
The first thing you need to know: it’s a zero-pressure conversation. No hard selling.

Simula ng usapan, tatanungin kita tungkol sa goals mo.
Ano ba talaga ang gusto mong ma-achieve? First home, refinance, o investment?
Dito ko maiintindihan kung saan ka nanggagaling.

Then we’ll do a simple financial health check.
Income, expenses, existing loans—wala namang complicated.
This helps me understand your borrowing power realistically.

Pagkatapos, ieexplain ko ang options mo nang malinaw.
Walang jargon. Lahat sa wikang maiintindihan mo.

By the end of that call, you’ll have a clear action plan.
You’ll know exactly what you can afford and what your next step should be.

Kung gusto mong maranasan ito mismo, message mo lang ako.
Libre ang unang session.

I-message mo ang salitang “SESSION”, and let’s get started without any pressure.

Ano ang pinakamalaking tanong mo bago kumausap ng broker? Drop it below. 👇

01/06/2026

Nakakakaba makita kapag bumababa ang market value ng bahay mo, lalo na kung mas mataas pa ang utang mo kaysa sa halaga nito ngayon. But take a deep breath—negative equity isn't an instant disaster. 🏠🇦🇺

Think of it this way: You only actually lose money if you lock it in by selling at the wrong time. If your family is settled, you’re not planning to move, and you can handle the monthly repayments, the best strategy is often to stay calm and ride it out. Markets move in cycles, and equity can recover.

✨ What you can do right now:

Keep paying down your loan to build your financial buffer.

Reach out to us to ask your lender for a rate review—pampalubag-loob at pampagaan ng monthly budget!

Alam naming pinaghirapan ninyo ang pangarap na bahay na yan, at nandito kami para gabayan kayo nang walang halong corporate jargon or unnecessary pressure.

Tag someone who needs this reassurance today, or send us a private message with your rough numbers. Let’s look at your options together! 🤝

27/05/2026

Nakakapagod magbayad ng renta, habang nangangarap ng sariling bahay. 🏡

Alam ko ’yan. Halos lahat ng Pinoy client ko, nagsimula sa tanong na: “Mark, may paraan pa ba?”

Ang totoo: hindi mo kailangang hintayin na mawala ang renta para makapagsimula.

👉 1st step: Alamin kung magkano ba talaga ang kailangan mong target.
Marami ang nagugulat—pwede palang 5% deposit lang gamit ang government schemes. Hindi mo kailangan ng 20%.

👉 2nd Step: Gumawa tayo ng “rent-plus-ipon” strategy.
’Yung habang nagre-rent ka, nagsisimula ka nang buuin ang budget na akma para sa magiging mortgage mo balang araw.

Hindi mo kailangang maging perfect ngayon.
Ang kailangan mo lang ay isang malinaw na roadmap—at iyon ang gagawin natin.

👇 I-message mo lang ang salitang “RENT” at pag-usapan natin nang libre.
Walang pressure, walang bayad—clarity lang.

25/05/2026

Most people think parents need to GIVE you money to help you buy a home.

Not true.

If your parents already own property, they may be able to help you buy sooner — without handing over cash. It’s called a parental guarantee.

And yes… it could help you avoid LMI and reduce how much savings you need upfront.

Pero real talk:
This process can get confusing fast if you don’t structure it properly.
That’s where we come in.

DM us if you want us to check:
✔️ If you qualify
✔️ If your parents can help
✔️ Which banks may suit your situation best
Save this for later or send it to someone still struggling to save a 20% deposit 👇

21/05/2026

"Kasi ginawa ng friend ko..." — The most common (and risky) phrase in property buying. 🛑
When someone in the community gets their home loan approved, it’s a massive win! Naturally, we want to ask for their exact blueprint. But assuming that the same job, same deposit, and same bank will give you the same outcome is a major trap.

As a former nurse-educator, I always remind people that every financial profile needs individual care. Banks assess you based on the finer details:
💡Your exact income structure
💡Personal spending habits and living expenses
💡Debts, dependents, and credit limits
💡How your application is presented to the lender

Your financial journey shouldn't be based on someone else's story. The smarter move is to get your own numbers verified, match them to a lender whose policies align with your situation, and build a personalized plan from there.

👉 Tag a friend who needs to hear this today, or share this post to save someone in your circle from a major application headache!

Don't let your "Dream Home" become a "Lessons Learned." 💔It starts with a weekend drive and an "Open House" sign. You wa...
21/05/2026

Don't let your "Dream Home" become a "Lessons Learned." 💔

It starts with a weekend drive and an "Open House" sign. You walk in, see the natural light, the spacious kitchen, and you’re already planning the housewarming party. You think, "This is it. We’re ready."

But then the bank says otherwise.

In the Filipino community, we call this sayang. Falling in love with a property before knowing your actual borrowing power is the fastest way to property heartbreak.
At Prospero Fund, we approach your home loan journey with the same care a nurse-educator gives a patient: Preparation is the best prevention.
A pre-approval isn't just a piece of paper. It’s your "license to shop" with confidence. It tells agents you’re serious and ensures you don't over-commit to a mortgage that will stress your lifestyle.

Let’s get your numbers right before you fall in love. 💔
👉 Message us today for a casual, no-fluff chat about your pre-approval.

Building your first home in Victoria is an exciting milestone, but the finance side can feel like a maze. One of the mos...
20/05/2026

Building your first home in Victoria is an exciting milestone, but the finance side can feel like a maze. One of the most common questions we get is: "Does the bank just pay the builder everything at the start?"

The short answer is no. And honestly, that is a very good thing for you. 🛡️

Banks use progress payments to protect both your money and your build. The loan is broken down into 5 distinct stages, and the builder is only paid after each stage passes a proper check:
1️⃣ Base / Slab: Your concrete foundation is poured.
2️⃣ Frame: The walls and roof structure are completed.
3️⃣ Lock-Up: Doors, windows, and external walls are secure.
4️⃣ Fit-Out: Internal finishes, plastering, electrical, and plumbing get underway.
5️⃣ Completion: Detailing is finalized, the bank does a final inspection, and you get the keys!

Why this matters for your back pocket: You only pay interest on the amount that has been drawn down. This gradual build-up means you aren't paying full interest on a complete loan while the house is still just a frame.

If you are trying to figure out how much deposit you actually need, or how to navigate the construction process in Victoria without the jargon, we are here to help.

💬 Let's make it simple. Drop a 🏠 in the comments or send us a direct message to ask your questions.

19/05/2026

Real talk—ang biggest risk sa home loan mo, hindi ang interest rate. It’s something else entirely.

Kahit makuha mo ang pinakamababang rate, kung sagad ka naman buwan-buwan, isang surprise expense lang ang kailangan para mag-panic. Panoorin ang video para malaman kung ano ang totoong "survival metric" mo.

Quick check-in: Do you have a buffer today—YES or NO? Comment below. 👇

18/05/2026

Thinking of buying that new SUV? Read this first. 🧐

Exciting naman talaga kumuha ng bagong sasakyan. Pero wag nating hayaan na dahil sa excitement, pirma lang tayo nang pirma sa dealership finance. ✍️

The "Convenience" of dealer finance often comes with a hidden cost: The Dealer Markup. Instead of a standard bank rate, pinapatungan nila ito ng extra percent para sa commission nila. Sa loob ng 5 years, pwedeng umabot 'yan ng $10,000.

Sayang, 'di ba? Pwede na sanang pandagdag sa home deposit or savings.

At Prospero, we guide you with transparency. We explain the numbers in plain English (or Filipino!) so you know exactly what you’re signing up for.

📩 DM us "QUOTE" and let’s see if we can save you thousands.

Address

Waterman Business Centre, Suite 782, Level 2, UL/40, 1341 Dandenong Road, Chadstone
Melbourne, VIC
3149

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