FIRST HOME BUYERS BRISBANE SOUTHSIDE
Your first home, with every scheme you qualify for stacked in.
Between the Australian Government 5% Deposit Scheme, Queensland's transfer duty concessions and the First Home Owner Grant, the upfront cost can be far lower than you expect. We map what applies to you.
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 First Home Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their First 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. Schemes stacked properly.
We check your eligibility for the 5% Deposit Scheme, the first home transfer duty concession and the $30,000 First Home Owner Grant on new builds, and combine them where allowed.
2. Jargon explained, in your language.
LVR, LMI, serviceability and comparison rates explained plainly in English, Punjabi or Hindi, so parents helping with the deposit can follow every number too.
3. 50+ lenders, one clear budget.
Two lenders can give the same first home buyer very different borrowing limits. We run your numbers across our panel so you know your real budget before you bid.
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 first home buyers use Evergreen?
Suburbs like Runcorn, Kuraby and Coopers Plains offer rail access at entry points below their neighbours, while new estates in Rochedale can unlock the grant and the duty exemption on new homes. Knowing which suburb fits which scheme is half the job.
We also set up family gifted deposits and guarantor structures correctly from day one, and stay on the lender through to settlement so you are not the one chasing the bank.
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 much deposit do I need for my first home?
Eligible first home buyers can purchase with a 5% deposit and no Lenders Mortgage Insurance under the Australian Government 5% Deposit Scheme, which has a $1,000,000 price cap in Brisbane. Without the scheme, a 20% deposit avoids LMI, and many lenders accept 5% to 10% with LMI. You also need savings for legal fees and moving costs. See how the First Home Guarantee works.
Do first home buyers pay stamp duty in Queensland?
Eligible first home buyers pay no transfer duty on a new home or on vacant land to build a home, with no price cap. For established homes, there is no transfer duty under $700,000 and a partial concession up to $799,999. From 1 August 2026 the concessions are limited to Australian citizens, permanent residents and specified foreign retirees. We confirm what applies before you sign.
Can my parents help with the deposit?
Yes. The two most common ways are a gifted deposit or a family guarantee, where your parents use equity in their property as extra security so you can borrow without a full deposit. Lenders treat a gift and a loan from family very differently, so it needs to be documented correctly with a gift letter or legal advice. We explain the options and their risks for everyone involved.
Does using a broker cost me anything?
No. Evergreen charges no fee for standard residential home loans and pre-approvals. We are paid a commission by the lender when your loan settles, and we disclose that commission before you proceed. The lender does not charge you more for using a broker, and we are required by law to recommend a loan that is in your best interests, not the one that pays us most.
Can I use the 5% Deposit Scheme and the First Home Owner Grant together?
Yes. Eligible first home buyers can combine the 5% Deposit Scheme with the $30,000 Queensland First Home Owner Grant on a new home valued under $750,000, plus the full transfer duty exemption on new homes. The grant has been funded for eligible new-build contracts signed from 1 July 2026. The Scheme's Brisbane price cap is $1,000,000. We check you meet every condition.
How much can a first home buyer borrow?
It depends on your income, debts, living costs and the lender's serviceability buffer, and limits can vary a lot between lenders for the same person. HECS debt, credit card limits and car loans all reduce what you can borrow. We run your numbers across our panel early, so you know your real price range before you start inspecting and do not waste time on homes outside it.
