HOME LOANS BRISBANE SOUTHSIDE
A home loan chosen from 50+ lenders, not one bank's shelf.
Buying, refinancing or reviewing what you have, we compare real options across 50+ banks and non-bank lenders to find the loan that fits your situation, not the bank's.
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 Home Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their 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. Expert, personalised advice.
Your first home or your fifth, we take the time to understand your goals and tailor the loan to them at every step.
2. No jargon, no pressure.
No pushy sales and no confusing lingo. Just a local broker who explains your options plainly and actually picks up the phone.
3. Looked after beyond settlement.
We manage the lender through to settlement, then review your loan periodically so your rate does not quietly drift out of the market.
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 locals use Evergreen for their home loans?
What you can borrow comes down to each lender's assessment rate, expense benchmarks and how it treats your income, and those move the number far more than the advertised rate does. Comparing 50+ lenders is how you find the one that fits.
Our office is in Eight Mile Plains and we work right across the Southside, from Annerley and Moorooka out to Rochedale and Kuraby. Gundeep Virk brings 15+ years in banking and finance, and speaks English, Punjabi and Hindi.
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 can I borrow for a home loan?
It depends on your income, existing debts, living costs and each lender's serviceability buffer. Two lenders can give the same person borrowing limits tens of thousands of dollars apart, because they assess expenses, overtime, bonuses and rental income differently. We run your numbers across our panel of lenders before you start looking, so you know your real price range. Read more on why lenders give different borrowing limits.
How much deposit do I need for a home loan?
A 20% deposit avoids Lenders Mortgage Insurance and gives you the widest choice of lenders. Many lenders accept 5% to 10% if you pay LMI. Eligible first home buyers can buy with a 5% deposit and no LMI under the Australian Government 5% Deposit Scheme, which has a $1,000,000 price cap in Brisbane. You also need savings for stamp duty, legal fees and moving costs.
What is Lenders Mortgage Insurance (LMI)?
LMI is a one-off insurance premium most lenders charge when you borrow more than 80% of the property's value. It protects the lender, not you. The cost rises with the loan size and how small your deposit is, and it is usually added to the loan. A larger deposit, a family guarantee or an eligible government scheme can remove it, and some professions qualify for LMI waivers.
Does using a mortgage broker cost anything?
No. Evergreen charges no fee for standard residential home loans, refinances and pre-approvals. We are paid a commission by the lender when your loan settles, and we tell you what that commission is before you proceed. The lender does not charge you more because you used a broker, and we are required by law to recommend a loan that is in your best interests.
How long does a home loan application take?
A straightforward application for a salaried borrower is typically approved in 2 to 5 business days once all documents are in. Self-employed income, construction loans, guarantors or unusual properties can take longer. Getting pre-approval before you make an offer is the best way to avoid delays, and we tell you upfront which documents each lender will ask for.
Do you only help people on the Southside?
No. Our office is in Eight Mile Plains and we work with many families across Brisbane's Southside, but most of the process runs by phone, video call and email. That means we can arrange home loans for clients anywhere in Australia. We can also explain your options in English, Punjabi or Hindi.
