BUSINESS OWNER HOME LOANS BRISBANE SOUTHSIDE
Lending that looks through your structure to the real profit.
If your income sits inside a company or trust, many lenders count only what you paid yourself. We place your home loan with one of our 50+ lenders that will look through to the profit behind it.
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 Business Owner Home Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their Business Owner 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. Company and trust income read properly.
Retained profits, director's wages and trust distributions presented to lenders who assess the whole picture.
2. Every commitment mapped first.
Business loans, guarantees, overdrafts and equipment finance all sit behind your application. We account for them before lodging so nothing surfaces late.
3. Home and business kept in step.
We arrange business, commercial and asset finance too, so your personal and business lending are planned together.
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 business owners use Evergreen?
Business owners are everywhere on the Southside, from Brisbane Technology Park and the Sunnybank retail precinct to the industrial estates of Rocklea, Archerfield and Coopers Plains. Standard bank models rarely fit how they are paid.
Two lenders can reach opposite decisions on the same company financials. Gundeep can talk through yours in English, Punjabi or Hindi and tell you what is achievable before you make an offer.
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
How do lenders assess income held in a company or trust?
Some lenders count only the wages and distributions paid to you, while others also consider profit retained in the company or trust. That difference can change your borrowing capacity substantially. Some also add back items like depreciation. We find a lender whose method suits your structure. Read about home loans for business owners.
Do business debts reduce what I can borrow for a home?
They can. Some lenders count business loans, equipment finance and personal guarantees against you, even where the business makes the repayments. Others set them aside if the business clearly services them. This policy difference can significantly change how much you can borrow. We check how each lender treats your business debts before lodging.
What documents will I need?
Usually two years of personal and business tax returns, financial statements and notices of assessment, plus bank statements and ID. If your returns are not up to date or do not reflect current trading, low doc options may accept BAS, business bank statements or an accountant's declaration. We tell you exactly what your chosen lender requires.
How is this different from a self-employed home loan?
The principles are the same, but company and trust structures add layers. A sole trader is assessed on their own tax return, while a company or trust needs a lender willing to look through the structure at the business's profit. Choosing the right lender often makes the biggest difference. We review your structure before recommending one.
Can my company or trust buy the property?
Yes, some lenders lend to companies and trusts to buy residential property, usually with directors' guarantees. It can have tax and asset protection benefits but also costs, such as different stamp duty and land tax treatment. Speak with your accountant about the structure, and we will find a lender that accepts it.
Will lenders accept my accountant's figures?
Most lenders rely on lodged tax returns and financial statements, but some low doc lenders accept an accountant's declaration of income. The accountant usually needs to be registered and independent. This can help when your returns are behind. We explain which lenders accept it and how it affects your rate.
