APARTMENT LOANS BRISBANE SOUTHSIDE
We check the building before you make the offer.
Two units in the same complex can get different answers from the same lender. We check size, building and postcode policy across 50+ lenders before you sign, so you know where you stand.
Francesco Mercati
“Gundeep was FANTASTIC in getting me across the line on my first home, can't recommend him more!! Chat to us here.
Evergreen is here to help with your Apartment Home Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their Apartment Home Loan goals with confidence and clarity. Established with a vision to provide personalised financial solutions, Evergreen Loan Solutions has been a trusted partner for clients seeking tailored guidance in navigating the complexities of the financial landscape.
Our Story.
Led by Gundeep Virk, a seasoned banking professional with over 15 years of experience in various roles including home loans, unsecured loans, agri-banking, and branch leadership, Evergreen Loan Solutions is dedicated to providing personalised financial solutions.
Our team take the time to listen and tailor our services to you, providing expert guidance every step of the way.
1. Size and building policy checked.
Some lenders will not fund smaller apartments, or cap their exposure to certain buildings. We find out which lenders will fund the one you want.
2. Body corporate looked at early.
Body corporate records, levies and sinking fund balances can all affect a lender's decision. We raise them while you can still walk away.
3. Off-the-plan valuation risk flagged.
A new apartment can value below the contract price at settlement. We flag that risk before you commit.
Let us research 50+ banks & lenders to find the right solution for you.
We work with Australia’s leading banks and non-bank lenders including ANZ, Bank of Queensland Suncorp, AMP, Macquarie Bankwest and many more, giving you more options, better rates, and loans tailored to your exact needs. No bias, just what works best for you.
How our Brisbane Southside mortgage broker helps
Why do Brisbane Southside apartment buyers use Evergreen?
Units near Westfield Garden City in Upper Mount Gravatt, around the Sunnybank retail core and in Annerley are popular entry points for first home buyers and investors. Some lenders apply tighter policy to smaller apartments, so checking first matters.
Send us the address before you make an offer and we will tell you which of our 50+ lenders will fund that specific property, and at what deposit.
Book a free chat to find out more.
Brisbane Southside mortgage broker reviews
“Evergreen Loan solutions have been very helpful throughout our journey. I want to thanks Gundeep for the support all through this journey of buying a house.
Evergreen home solutions has always been very professional and always guided us to realise our dream house."
Monika Goel
June 2026
★★★★★
5.0 star Google reviews
FAQs
What deposit do I need for an apartment?
A 20% deposit gives the widest lender choice and avoids Lenders Mortgage Insurance. Many lenders accept 5% to 10% for standard apartments, while very small units or high-density buildings may need more. Eligible first home buyers may use the 5% Deposit Scheme. We check the lender's policy on the specific building before you offer.
Are some apartments harder to finance?
Yes. Very small units, studio apartments, serviced apartments, high-density buildings and some postcodes carry restrictions at certain lenders, such as a lower maximum loan or a bigger deposit. Others treat them like any other property. Because policy varies, an apartment one bank declines may be fine elsewhere. We check before you commit.
Can first home buyers use the 5% Deposit Scheme for a unit?
Yes. Eligible first home buyers can use the Australian Government 5% Deposit Scheme for an apartment, subject to the $1,000,000 price cap in Brisbane and the lender's own policy on the property. Some lenders still exclude certain unit types. We check both the scheme rules and the lender's rules before you make an offer.
Does buying off the plan change the finance?
It can. Formal approval usually happens close to completion, which may be a year or more after you sign, so your income, the lender's policy and interest rates can all change. The valuation at completion can also come in below the price you paid. We assess the risks before you sign. Read about buying off the plan.
Do body corporate fees affect my borrowing?
Yes. Lenders count body corporate fees as an ongoing expense, which reduces how much you can borrow. Higher fees in buildings with pools, gyms or lifts can make a noticeable difference. Reviewing the body corporate records also helps you spot major repairs or special levies. We factor the fees into your numbers before you offer.
Is an apartment a good first home?
It can be. Apartments are often more affordable than houses in the same suburb and can help you get into the market sooner. Growth can be slower in high-supply areas, so building quality, size and location matter. We focus on the finance and can tell you which apartments lenders are comfortable with.
