Prospero Fund by Mark Yu

Prospero Fund by Mark Yu Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Prospero Fund by Mark Yu, Loan service, Waterman Business Centre, Suite 782, Level 2, UL/40, 1341 Dandenong Road, Chadstone, Melbourne.

🇩đŸ‡ș Filo Mortgage Broker
🏡 First Home | Refinance | Invest | Debt Consolidation | Equity Release
đŸ’Œ Car Loan | Personal Loan | Equipment Finance
đŸ“© DM me for a free consult

03/09/2026

Being a single parent doesn’t mean the dream of owning a home has to stay on hold.

When you’re raising a family on one income, saving a deposit can feel like the biggest hurdle. But for eligible single parents in Australia, there may be a pathway to buy with as little as 2% deposit.

That doesn’t mean the process is automatic. Your borrowing capacity, eligibility and lender requirements still need to line up.

But before you tell yourself, “Hindi ko pa kaya,” it’s worth checking what’s actually possible.
Message me and let’s work through your numbers together.

You worked hard for the better job. The better pay. The next chapter.And when you’re saving for your first home, a new o...
02/09/2026

You worked hard for the better job. The better pay. The next chapter.

And when you’re saving for your first home, a new opportunity can feel like proof that everything is finally starting to fall into place.

So the last thing you want is to discover after you’ve made the move that your change in employment has also changed the way a lender looks at your home loan application.

That doesn’t mean you should be afraid to take the new job.
It means your career move and your homeownership plan shouldn’t be two separate conversations.

Before you resign. Before you sign. Before you assume the higher salary automatically puts you in a stronger position — check.

Because sometimes, protecting the dream isn’t about saying no to an opportunity.
It’s about knowing how to make your next move without losing momentum on the one you’ve been working toward for years.

Planning a career change while preparing to buy your first home? Message me. Let’s look at the timing together before you make the move.

Getting approved for a certain amount doesn’t mean you have to borrow every dollar of it.When I talk to first-home buyer...
27/08/2026

Getting approved for a certain amount doesn’t mean you have to borrow every dollar of it.

When I talk to first-home buyers, I don’t just want to know, “How much can the bank lend you?”

I also want to know:
‣ Can you still save after the mortgage is paid?
‣ Can you handle an unexpected expense?
‣ Can you enjoy time with your family without constantly worrying about the next repayment?

Because buying your first home should give you something to build on—not leave the rest of your life squeezed around a mortgage.

Your borrowing capacity is the ceiling. It doesn’t have to be your target.

If you’re working out what a comfortable home-buying budget could look like for you, send me a message. We can work through the numbers together.

26/08/2026

Your home loan shouldn’t be something you set and forget.

Kung feeling mo mas mabigat na yung repayments mo, more than a year na since your last review, or marami nang nagbago sa buhay mo — it might be worth checking if your current loan still makes sense.

Maybe you’ve changed jobs.
May new baby.
Higher household expenses.
Or you’re thinking about renovating or buying a car.

Your situation changes. And sometimes, your home loan needs to catch up too.
A review doesn’t automatically mean refinancing. Sometimes it’s simply checking your current rate, asking your lender for a better deal, reviewing the features you’re paying for, or seeing what other options are available.

You don’t review your home loan because something is wrong. You review it so you can stay ahead.

If it’s been a while since you last checked yours, send me a message and we can have a look.

Ready ang deposit. But what happens after that?One thing I always remind first-home buyers: don’t plan your home-buying ...
25/08/2026

Ready ang deposit. But what happens after that?

One thing I always remind first-home buyers: don’t plan your home-buying budget around the deposit alone.

Depending on your purchase, there can be other costs to prepare for — things like conveyancing, inspections, lender-related costs, moving expenses and the money you’d ideally still have available after settlement.

Because getting the keys should feel exciting
 not like you’ve emptied every dollar you worked hard to save.

Think of your budget in four buckets:
💰Deposit
💰Purchase costs
💰Move-in costs
💰After-settlement buffer

Before you start seriously looking at properties, it helps to know how much you can comfortably allocate to all four.

If you’re preparing to buy your first home and you’re not sure whether your numbers are ready, message me. Let’s work it out together.

The real test of a broker relationship isn’t just whether they can help you once.It’s whether you still want them by you...
24/08/2026

The real test of a broker relationship isn’t just whether they can help you once.
It’s whether you still want them by your side years later.

CJ first worked with Mark during the settlement of their new home. More recently, they came back to Prospero Fund when it was time to refinance.

And this line from their review says a lot: “We have continued to use Mark as our broker since purchasing our home and have no plans to change.”

From explaining the refinance process clearly, to regular progress updates, to sitting down and walking through the loan documents before signing—our goal is to make sure clients know what’s happening and what comes next.

Because getting the loan done matters.

But building a relationship where someone feels comfortable coming back to you for the next chapter matters just as much.

Thank you, CJ, for continuing to trust the Prospero Fund team throughout your journey. We genuinely appreciate it.

⭐ Read CJ’s full Google Review here: https://maps.app.goo.gl/rp9Zfozkk6Rdbcem8

Haven’t reviewed your home loan in a while? Send us a message and we can help you see where things currently stand.

21/08/2026

That new car could cost you more than its monthly repayment—it may also reduce your home-buying budget. 🚗🏠

When lenders assess your home loan, they look at your existing commitments. That can include car and personal loans, credit card limits, and even Buy Now Pay Later accounts—depending on the lender’s policy.

Hindi ibig sabihin na kailangan mong bayaran agad lahat ng utang. But if you’re planning to buy a home soon, it’s worth checking how each commitment affects your borrowing power before making another big purchase.

Already have a car loan? Send me a message and let’s check its potential impact on your home-loan options.

General information only. Your borrowing capacity will depend on your circumstances and the lender’s assessment.

20/08/2026

Rental yield or capital growth — alin ba talaga ang mas importante?

If you’re thinking about your next investment property, madaling ma-focus sa isang number lang.
High rental yield sounds attractive because it can help with regular cashflow.

Capital growth naman is more about the bigger picture — whether the property has the potential to increase in value over time.

But here’s the thing: the “better” option depends on what you’re actually trying to achieve.

Are you looking for stronger cashflow now?

Or are you comfortable playing the longer game?

For most investors, it’s not simply about choosing one over the other. It’s about understanding how the property fits into your overall situation and your next move.

Just a reminder: I’m not a financial or investment adviser. I’m sharing what I’ve learned from helping clients navigate the finance side of their property journey.

If you’re planning your next investment and want to understand what your borrowing position could look like, send me a message. Let’s work it out together.

Buying your first home can feel exciting
 and overwhelming at the same time.There are so many questions along the way:Wh...
15/08/2026

Buying your first home can feel exciting
 and overwhelming at the same time.

There are so many questions along the way:

Where do we start? Are we borrowing too much? What happens next? Are we doing this right?

That’s why feedback like Dawn’s means so much to us.

She shared: “They were always available to answer our questions, kept us informed throughout the entire process, and made everything feel so much smoother and less stressful.”

For us, helping someone buy their first home isn’t just about getting the loan approved. It’s about making sure they understand what’s happening, feel supported through every step, and can move forward with confidence.

Thank you, Dawn, for trusting Prospero Fund team with such an important milestone. And congratulations again on your first home! 🏡

Read Dawn’s full Google Review here: https://maps.app.goo.gl/m19KYxXNThgSG4LQ9

Planning to buy your first home and not sure where to begin? Send us a message. Let’s work it out together.

14/08/2026

Akala mo first home buyer = automatic First Home Owner Grant? Not necessarily.

Isa ito sa common misunderstandings namin nakikita.

The FHOG isn’t simply about whether first home buyer ka. The property you’re buying matters too — particularly whether it meets the requirements for a brand-new home.

So bago ka mag-budget thinking may grant kang matatanggap, make sure you know whether the property you’re looking at actually qualifies.

May property ka nang tinitingnan? Send us a message. We can help you work out whether it may fit the FHOG requirements and what your next steps could look like.

Address

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

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