Prospero Fund by Mark Yu

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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.

🇦🇺 Filo Mortgage Broker
🏡 First Home | Refinance | Invest | Debt Consolidation | Equity Release
💼 Car Loan | Personal Loan | Equipment Finance
📩 DM me for a free consult

18/10/2026

First thing through the door? Rice cooker. Obviously. What was yours? 👇

Ronald and his partner were introduced to Mark by a friend. Here's what they said after buying their home:"He explained ...
17/10/2026

Ronald and his partner were introduced to Mark by a friend. Here's what they said after buying their home:

"He explained the different options to us and gave us his honest opinion about what he thought would be better for our circumstances, rather than just pushing us towards one option."

Referrals mean the most to us, so thank you, Ronald, for passing the trust along. Congratulations on your new home! 🏡

Read the full Google review here: https://maps.app.goo.gl/neank7zJxQMZr8hE7

Buying or refinancing and want to talk it through in plain English? Send us a message.

Bank's valuation lower than your offer? It happens more than you think, and there are three real ways to move forward.Op...
16/10/2026

Bank's valuation lower than your offer? It happens more than you think, and there are three real ways to move forward.

Option 1: cover the gap yourself. Option 2: ask the seller to lower their price. Option 3: try another lender.

Which one makes sense depends on your cash position and timeline. If you're facing this right now, DM me and we'll walk through it.

General information only. It doesn't take your personal circumstances into account.

Opening the property apps feels like progress. Most of the time it's just scrolling.Before you fall for a listing, get c...
13/10/2026

Opening the property apps feels like progress. Most of the time it's just scrolling.

Before you fall for a listing, get clear on what you're working with:
1️⃣ Income, spending, debts, savings
2️⃣ Upfront costs beyond the deposit
3️⃣ A monthly budget that still leaves room for life
4️⃣ The few steps that come before an offer
5️⃣ Then, and only then, the search

You don't need every answer today. You just need a starting point.

📌 Save this for when you're ready to begin.
💬 Not sure where you're at? Send me a message: "Hi Mark, I want to buy my first home, but I'm not sure where to start."

Most people save for the deposit and forget everything underneath it.Stamp duty (depending on your eligibility), legal a...
12/10/2026

Most people save for the deposit and forget everything underneath it.

Stamp duty (depending on your eligibility), legal and conveyancing fees, building and pest inspections, loan costs, moving costs, and a buffer for the first few bills all add up.

Planning for the whole iceberg means fewer surprises later. Want to know how much you actually need?

DM me and we'll run the numbers together.

Most buyers picture settlement as a big meeting with a pen and a handshake. In Victoria, it usually happens online while...
12/10/2026

Most buyers picture settlement as a big meeting with a pen and a handshake. In Victoria, it usually happens online while you're at work.

Here's the short version:
💻 Everyone logs into PEXA, an electronic settlement platform
💸 The money moves: your loan and funds in, the seller's mortgage paid off, stamp duty and fees paid
📄 Your name goes on the title
🔑 The agent releases your keys

Your job? Be ready, keep your phone on, and check bank details by phone, never just by email.

📌 Save this for settlement week.
🔁 Or send it to someone getting close to the finish line.

General information only. It doesn't take your personal circumstances into account. Your conveyancer or solicitor can explain how settlement works for your purchase.

10/10/2026

Sending money home and saving for a deposit at the same time? You're not the only one. Here's how lenders look at it, and what I'd do first. Questions welcome 👇

Settlement photos usually look the same. A smile, a front door, a set of keys held up to the camera.What the photo leave...
09/10/2026

Settlement photos usually look the same. A smile, a front door, a set of keys held up to the camera.

What the photo leaves out is everything before it. The payday transfers. The extra shifts. The holidays that turned into "next time na lang." For some people, it's years of helping family and saving for their own place at the same time.

The keys are small. What they represent usually isn't.

If you're still in the "not yet" part, that counts too. And if you ever want to talk through where you're at, just ask. No readiness test.

Share this with someone working toward their first home, or save it as a reminder of what you're building toward.

Thinking about buying your first home? Starting is the hardest part, and you don't need to have it all figured out first...
07/10/2026

Thinking about buying your first home? Starting is the hardest part, and you don't need to have it all figured out first.

I'm Mark, a mortgage broker at Prospero Fund. I'll walk you through the home loan process in plain English: how much you could borrow, what to do about your deposit, and what happens next. Clear answers, no pressure, no jargon.

When you're ready, let's have a normal conversation.

📩 DM me, call 0412 872 289 or email [email protected]
🌐 prosperofund.com.au

A borrowing capacity estimate is useful, but it isn’t the same as your purchase price or deposit.When I talk this throug...
06/10/2026

A borrowing capacity estimate is useful, but it isn’t the same as your purchase price or deposit.

When I talk this through with a first-home buyer, I separate the three:
• Borrowing capacity: an estimate of what a lender may be prepared to lend after assessing your situation.
• Purchase price: the amount you agree to pay for the property.
• Deposit: the amount of your own money you put towards the property.

\Now add the part people can miss: buying costs.

In the simple example in this carousel, $100,000 in savings doesn’t automatically mean a $100,000 deposit. If $20,000 is set aside for buying costs, the illustrative deposit becomes $80,000.

Combined with a $600,000 borrowing figure, that gives a starting figure of $680,000.

It’s only an illustration. Lender assessments vary, and your actual buying costs depend on your situation and the property.

One terminology note: here, deposit means your own funds contributing towards the purchase. The deposit payable under a contract of sale is a separate transaction step, so check the contract with your conveyancer or solicitor.

Save this before you start comparing properties.

Address

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

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