Prospero Fund by Mark Yu

Prospero Fund by Mark Yu šŸ‡¦šŸ‡ŗ Filo Mortgage Broker
šŸ’¼ First Home | Refi | Invest | Car Loan
šŸ“© DM me for a free consult

Being loyal to your bank shouldn't cost you thousands of dollars a year.Itā€™s one of the biggest double standards in fina...
10/06/2026

Being loyal to your bank shouldn't cost you thousands of dollars a year.

Itā€™s one of the biggest double standards in finance: lenders roll out the red carpet with competitive rates for new applicants, while relying on the inertia of their existing customers to absorb rate hikes.

Your mortgage shouldn't be a set-and-forget expense that quietly eats away at your hard-earned savings. Running a simple review can give you smarter loan options, better flexibility, and real peace of mind.

Let's look at your current setup together. No high-pressure sales pitches, no jargonā€”just clear, honest facts.

Send me a direct message right here on Facebook to see if your bank is still earning your loyalty! āœ‰ļø

09/06/2026

Hot take: As a broker, Iā€™m telling you that you might not need to refinance. šŸ¤Æ

With all the noise in the market right now, it feels like everyone is constantly switching lenders. But if your rate is low, your budget is solid, and youā€™re comfortable... keep it. Sayang lang ang effort and fees if it doesn't make sense for your situation.

Check out the video for the exact checklist on when it's better to just stay put.

If you want a second pair of eyes to give you a real, honest look at your current loan setupā€”without the corporate sales pitchā€”we've got you.

šŸ‘‡ Drop a comment below or send us a message if you want us to double-check your numbers!

08/06/2026

Tag someone who is saving for a house but dreads dealing with the banks! šŸ‡¦šŸ‡ŗšŸ”

There is nothing worse than thinking your home loan is sailing smoothly, only to get hit with an unexpected delayā€”or worse, a decline. Weā€™re breaking down the 3 hidden approval stages banks don't walk you through so you can avoid the heartbreak.

šŸ‘‰ Take control of your application: Send us a message with the word ā€œSTAGESā€ today for your free, no-fluff consultation.

07/06/2026

Tag a friend who is house hunting right nowā€”they need to hear this before they lock in a rate. šŸ”

Itā€™s easy to get blinded by a low interest rate, but a cheap loan on paper can become incredibly frustrating in real life.

Whether it's rigid policies around overtime and casual work, or being locked out of your own equity later on, the "cheapest" option isn't always the best fit for your actual lifestyle. Watch the video to see why identical rates can mean totally different real-world outcomes.

Letā€™s settle the debate: If you had to choose, would you prefer the lowest rate or more flexibility? Drop a comment below!

Real talk: why does the bankā€™s home loan process always feel like it was written in a completely different language? šŸ“‹šŸ¤ÆW...
07/06/2026

Real talk: why does the bankā€™s home loan process always feel like it was written in a completely different language? šŸ“‹šŸ¤Æ

When Justine came to us looking for her first home, she felt that exact same overwhelming pressure. But my team and I firmly believe that securing a mortgage shouldn't require a finance degree.

I took the time to map out every single step of the process with her. No matter how many times she needed to revisit a detail (and let's be honest, we all need things repeated when hundreds of thousands of dollars are on the line), my goal was to ensure she felt completely confident and in control.

Seeing her review say that the journey became "manageable and even exciting" reminds me why we started Prospero Fund. We cut out the corporate fluff and focus entirely on getting you into your home with absolute clarity and zero stress.

Thank you for the incredible shoutout, Justine! We are so proud to have been a part of your milestone. šŸŽ‰

Thinking about taking your first step into the property market but don't know who to trust? Drop a comment below or send us a messageā€”we promise a completely fluff-free, casual chat. šŸ‘‡

Read more real stories from our community here: https://share.google/W7dBGzzCONddKIXOT

The biggest thing keeping most first-time buyers stuck in the rental loop isn't a lack of driveā€”itā€™s the myth of the 20%...
06/06/2026

The biggest thing keeping most first-time buyers stuck in the rental loop isn't a lack of driveā€”itā€™s the myth of the 20% deposit.

I see it all the time. Hard-working people and families doing everything right, saving hard, but feeling like the goalposts just keep moving. It feels like you need a small fortune just to get a bank to look at your application.

But as you can see from the breakdown in the post below, your home journey doesn't have to start with a massive hurdle. A 5% deposit could be your ticket to getting started much sooner than you think.

When I set up Prospero Fund, I wanted to make sure we did things differently. No corporate pretense, no judgmentā€”just real, supportive guidance to help you understand your options clearly, without any of the traditional industry fluff.

Whether youā€™re just starting your savings journey or want to check if your 5% is ready to go, my team and I are here to make the process completely seamless.

Tag someone who is currently saving for their first home, or send me a direct message right here on Facebook to find out how close you really are to your own front door! šŸ āœØ

05/06/2026

Alam mo ba na puwede kang mag-refinance kahit isang taon pa lang mula nang bumili ka ng bahay?
Maraming nagsasabi, kailangan daw maghintay ng dalawa o tatlong taon. Hindi ito laging totoo.

A lot of homeowners think loyalty to their bank will be rewarded.
But your current lender might not be offering you the best deal today.
Rates change. Property values change. Your goals change.

Eto ā€™yung hindi sinasabi ng iba.
Kapag tumaas ang value ng bahay mo, puwede kang makakuha ng mas magandang rate sa ibang bangko.
Minsan, may cashback offer pa na magagamit mo para sa renovation o emergency buffer.

Itā€™s not about being unloyal. Itā€™s about making your loan work for you right now.
Even if youā€™ve only had your home for 12 months, a review could unlock serious savings.

Kung mahigit isang taon ka na sa bahay mo, mag-usap tayo nang libre.
I-message mo ang salitang ā€œREFIā€, and letā€™s check if a better offer is sitting out there for you.

04/06/2026

ā€œLipat agad ng bank.ā€

Thatā€™s usually the first thing people think when they want a better home loan rate.

But thatā€™s not always the best first move. Sometimes, a simple restructure with your current lender can help improve your situation without going through the full refinance process.

Every lender is different, but depending on your circumstances, you may be able to:
ā€¢ Review your interest rate
ā€¢ Change loan products
ā€¢ Adjust repayments
ā€¢ Remove features youā€™re no longer using

And if your current lender canā€™t offer a competitive solution anymore, thatā€™s when refinancing becomes worth exploring. The smartest approach isnā€™t choosing one blindly. Itā€™s comparing both.

Thinking about reviewing your home loan? Send me a message and letā€™s see what options are available.

"Akala ko isang pirasong pirmahan lang..." šŸ˜…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..." šŸ˜…
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 itā€™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.
šŸ‘‡ Letā€™s get you prepped early. Drop a comment below or send Mark a direct message, and weā€™ll share our simple, jargon-free prep checklist for land and build!

02/06/2026

Marami sa inyo ang nagtatanong: ā€œMark, ano ba talagang nangyayari kapag tumawag ako sa inyo?ā€
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: itā€™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 weā€™ll do a simple financial health check.
Income, expenses, existing loansā€”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, youā€™ll have a clear action plan.
Youā€™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 ā€œSESSIONā€, and letā€™s get started without any pressure.

Ano ang pinakamalaking tanong mo bago kumausap ng broker? Drop it below. šŸ‘‡

Address

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

Website

Alerts

Be the first to know and let us send you an email when Prospero Fund by Mark Yu posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Prospero Fund by Mark Yu:

Shortcuts

Share