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Prospar Finance

Updated 2026-08-30 · 4,552 reviewed · 434 listed · Scored from 172 Google reviews · How we rank ›

5.0(172) 94 composite score See reviews on Google ✓ Google-verified
Self-Employed & Low-Doc LoansFirst Home Buyer LoansInvestment Property FinanceRefinancingCar & Personal LoansMortgage BrokerConstruction & Building LoansCommercial & Business Finance
Prospar Finance
Location
Joondalup
Services
Self-Employed & Low-Doc Loans, First Home Buyer Loans, Investment Property Finance
Reviews
172
Ranking
#48 in Self-Employed & Low-Doc Loans
Best for
First-home buyers, self-employed borrowers, and those with complex or non-standard loan profiles.

Core details are sourced from this business's Google Business Profile (checked 2026-08-30). Website-sourced details were fetched 2026-07-30.

What do recent reviews say?

Pan and the team turn loan applications into a straightforward experience. Reviewers consistently highlight their responsiveness, patience with questions, and willingness to find the best deal rather than the quickest one. Pan's reputation rests on handling complex cases (self-employed profiles, construction loans, non-standard applicants) with genuine care and months of follow-up when needed.

The business handles home loans, refinancing, investment property finance, and construction loans across all experience levels. Their strength lies in first-home buyers and self-employed borrowers who need someone to explain every step and stay available through pre-approval to settlement.

Praised for
  • knowledgeable and patient broker
  • responsive communication and quick replies
  • transparent and clear explanations
  • goes above and beyond for clients
  • handles complex situations with dedication
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeable-brokerpatient-with-questionshandled-complex-situationreliable-followupgreat-with-first-home-buyerssmooth-settlement
Best for: First-home buyers, self-employed borrowers, and those with complex or non-standard loan profiles.

What are they good at?

  • Handles self-employed and non-standard loan profiles
  • Pan's months-long follow-up on complex cases
  • Explains every step clearly without jargon
  • Finds best deal, not fastest approval

Worth knowing

  • Pan (Zhe Pan) handles most client relationships personally
  • Dedicated 9 months to secure a construction loan for one applicant
  • Builder referrals reported in reviews
  • Willing to source alternative banks to get clients better outcomes

What reviews say by service

First Home Buyer Loans
Praised for patient guidance, clear explanations, and stress-free process from initial contact through to settlement.
Refinancing
Reviewers note responsive, helpful service and streamlined application process.
Investment Property Finance
Limited review detail; mentioned as part of service scope.
Construction & Building Loans
Reviewer highlighted 9-month dedication to secure loan despite constantly evolving market and complex applicant profile.
Self-Employed & Low-Doc Loans
Specifically praised for handling non-standard self-employed profiles and presenting alternatives when initial options don't fit.
Mortgage Broker
Core service; reviewers consistently note professionalism, knowledge, responsiveness and willingness to go above and beyond.

How it compares

  • Rated 5 against a 4.93 average across the 143 self-employed & low-doc loans businesses listed here.
  • Has more Google reviews than 92% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 99
Review volume 97
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
171
4
1
3
0
2
0
1
0

FAQ

What kinds of loan applications does Pan handle?
Home loans, refinancing, investment property, construction loans, business loans, and asset finance. Pan specifically works with self-employed applicants and complex cases that don't fit standard profiles.
How long does the process usually take?
Timelines vary. One reviewer noted Pan secured a home loan quickly. Another saw 9 months for a construction loan with a complex profile. Pan handles pre-approval through to settlement and stays in touch throughout.
Is Pan available outside standard business hours?
Prospar Finance opens 7 days a week. Reviewers note Pan is consistently responsive to calls and emails, often picking up the phone immediately for questions.
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Last updated 2026-08-30