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Residential · Commercial · Development Finance

Finance with confidence.
Prosper with us.

Tailored lending solutions for individuals, families, investors, business owners and developers – with expert guidance through every important financial decision.

40+Lenders on panel
35+Years combined experience
1000+Happy clients
Who We Are

Your Finance Partner. Beyond the Loan.

Lewis Chen

Lewis Chen

Lewis brings over ten years of finance broking experience across commercial, residential and construction finance. With a deep understanding of lender policies and structuring strategies, he specialises in navigating complex transactions for business owners, investors and developers. Lewis also holds a Cert IV in Building and Construction.

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Justin Shyu

Justin Shyu

Justin has over 15 years' lending experience, previously working at a Big 4 financial firm, and is the recipient of multiple awards, including the State Diamond Award two years running and the 2022 Gold Lender Award. He previously worked as a Senior Relationship Manager in Premier banking, assisting clients with complex loan structures.

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Francis Cuong

Francis Cuong

Francis has a strong background in financial services, spending nearly a decade with two of Australia's Big 4 banks before transitioning to mortgage broking in 2018. An Australian-born Taiwanese, Francis is fluent in English and Mandarin, and currently serves as treasurer of the Taiwanese Chambers of Commerce in Oceania.

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Experienced brokers who speak your language – literally. Our team is fluent in English and Mandarin.

What We Believe

Expertise

Knowledge and experience you can confidently rely on.

Integrity

Doing what is right for you, not simply what is easiest.

Care

Every financial journey is personal and deserves genuine attention.

Clarity

Making complex financial decisions easier to understand.

Partnership

Relationships that continue long after the loan settles.

Opportunity

Looking beyond today's loan to possibilities for your future.
What We Do

Finance solutions, tailored to you

Whatever stage you are at, we structure lending around your goals – with clarity and confidence at every step.

Investment Loans

Whether you're a first-time or experienced investor, we'll tailor a lending strategy to your goals – build your property portfolio and unlock its wealth potential with confidence.

Commercial Loans

Buying commercial property, funding a development or expanding your business? We structure tailored lending solutions around your goals and navigate complex finance with clarity.

Refinancing

Seeking a better rate, improved cash flow, access to equity or a restructure that supports your tax planning? We'll help you find a refinancing solution aligned with your goals.

Home Loans for Professionals

Accountant, legal or medical professional, engineer or other eligible professional? Explore tailored home loan options and benefits including LMI waivers, reduced fees and flexible policies.

First Home Buyers

Could you be eligible for a first home buyer grant, the 5% Deposit Scheme or other government assistance? Let us help you explore your options and buy sooner than you think.

Personal & Car Loan

Whether you need funds for a new car or an important personal expense, we'll help you compare flexible loan options and structure repayments that suit your budget.

We believe lending should feel less like a transaction and more like a partnership. When the right expertise meets the right understanding, you can move forward with confidence.

The right finance, the right way.

Why ProsperLending

Thousands of home loans from over 40 lenders

We're professional, trustworthy and genuinely personal – never pushy, complicated or cold. Just clear guidance from people who take the time to understand where you are and where you want to go.

ProsperLending lender panel – 42 lenders shown in six columns A selection of our 40+ lender panel
01

Expert guidance

Decades of combined broking experience across residential, commercial and construction finance.

02

40+ lender panel

Access thousands of home loans and the right structure for your situation.

03

Genuinely personal

Every client feels known, understood and valued – not like another application.

04

Beyond the loan

We build partnerships that continue long after settlement, looking ahead to what's next.

Home Loan Calculators

Loan Repayment Calculator

Estimate your regular repayments based on the loan amount, interest rate, loan term and repayment frequency.

If the calculator does not appear, open it in a new tab.
How It Works

Clear and calm, from first chat to settlement

Borrowing should never feel stressful, complicated, uncertain or confusing. Here is exactly what happens when you work with us.

01
Discovery

A conversation about your goals

We start with a free, no-obligation conversation – in person, by phone or online. We listen to your goals, your timeline and your situation, and answer your questions in plain English. Not a sales pitch, no jargon.

02
Assessment

Building a clear picture

We look at your borrowing power, your funds position and the features that matter to you. If there is anything to tidy up before you apply – a stray debt, a document to prepare – we tell you early so there are no surprises.

03
Compare & recommend

The right solution. An informed decision.

We look beyond comparing loan products. We structure your finance, compare suitable lenders across our panel and recommend a solution tailored to your needs – clearly explaining the rates, fees, features and trade-offs. We act in your best interests.

04
Application

We bring it all together

Once everything is ready, we prepare and lodge your application, manage the paperwork and advocate for you with the lender. We keep you updated at every milestone, so you know where things stand.

05
Approval & settlement

Across the line, on time

We guide your loan through approval to settlement, remove roadblocks and coordinate with the lender, your conveyancer, and your real estate agent or builder, so everything lands on time – or sooner, where possible.

06
Ongoing reviews

We stay in your corner

We do not disappear after settlement. We review your loan regularly to make sure it still suits you, and we are one call away whenever your plans change.

Good to know

For almost all home loans, our service is free to you – the lender pays us a commission for arranging your loan. If a fee applies to your situation, we will tell you in writing before you proceed.

Q&A · Frequently Asked Questions

Your questions, answered

These are the questions we hear most from home loan borrowers. Straight answers, no jargon.

Working with a broker
Does using a broker cost me anything?
For almost all home loans, no – at least not with us. The lender pays us a commission when your loan settles, so there is no cost to you for our service. If a fee could apply – occasionally for complex commercial lending or personal loans, we'll explain the exact amount in writing before you commit to anything.
If the lender pays you, how do I know your advice isn't biased?
Because we base our recommendations on what's right for you, not which lender pays us more. For home lending, we are legally required to act in your best interests. We explain why each recommendation suits your needs. Our business is built on trust, referrals and long-term client relationships – not one-off commissions.
Will I get a worse rate than going straight to the bank?
Not usually – and sometimes we can secure a sharper rate. You generally have access to the same rates offered directly by the lender. We also compare options across our panel and negotiate on your behalf. The lender pays our commission separately – it is not added to your home loan or interest rate.
Why use a broker instead of just my own bank?
Your bank can only offer its own products. We compare options across our panel and match you with a lender whose policies suit your situation. We do more than structure and package your application – we advocate for you throughout the process. Our focus is on long-term lending strategy and support, not a one-off banking transaction.
Borrowing power, deposit & getting started
How much can I borrow?
It depends on your income, expenses, existing debts and the lender's criteria – which can vary widely. We'll assess your position and give you a realistic figure before you start looking, so you can plan with confidence.
How much deposit do I need?
A 20% deposit usually avoids Lenders Mortgage Insurance (LMI), but plenty of buyers get in with 5–10%, and first home buyers may qualify for government schemes that lower the deposit hurdle. We'll show you what's realistic for your goals.
Will checking my options hurt my credit score?
A full assessment with us doesn't affect your credit score. A formal application leaves an enquiry on your credit report, so we only lodge with a lender once we're confident it's the right fit – no scattergun applications.
When do you need a pre-approval, and how long does it last?
Contrary to popular belief, pre-approval isn't essential for every buyer. It is most valuable before bidding at auction or when something in your borrowing position needs lender confirmation. In those cases, we may recommend a fully assessed pre-approval. A pre-approval typically lasts around 90 days and can often be renewed.
If your situation isn't "standard"
I'm self-employed – can you still help?
Absolutely. This is one of our areas of expertise. Self-employed and contractor income is assessed very differently between lenders, and we know which lenders suit your structure and how to present your income so they see the full, accurate picture.
My credit isn't perfect – am I wasting my time?
Not necessarily. Some lenders specialise in applications involving past defaults or limited credit history, while others may not see your particular issue as a concern. We'll tell you honestly where you stand, what it's likely to cost and what could improve your position.
I'm a first home buyer – what grants or schemes can I access?
Depending on your state and circumstances, there may be grants, stamp duty concessions and low-deposit schemes available. We'll explain what you qualify for in plain English and factor it into your plan.
Refinancing & reviews
How do I know if refinancing is actually worth it?
We run the numbers and, where tax or investment considerations are involved, work alongside your accountant or financial adviser. If refinancing won't leave you better off, we'll tell you to stay put.
My fixed rate is about to end – what should I do?
Don't wait for it to roll onto your lender's default variable rate. Plan ahead with us, and we'll line up your options so you're ready to move straight onto a sharp deal.
Do you also do commercial loans?
Yes – as a boutique brokerage, we specialise in commercial and business lending. Our team brings more than 30 years of combined commercial lending experience. We also arrange equipment and asset finance, car loans and personal loans.
Contact Us

Let's talk about your goals

We're here to assist. Reach out by phone, email or request a callback – and we'll help you find the right lending solution with clarity and confidence.

Call us
+61 430 855 517
Email us
lewis.chen@prosperlending.com.au
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