PROPERTY INVESTORS BRISBANE SOUTHSIDE
Investment lending set up for the property after this one.
Investment loans are assessed differently to owner-occupier loans, and the structure you choose now decides how easily you can buy again. We set it up across 50+ lenders with the next purchase in mind.
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 Property Investor Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their Property Investor 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. Equity used without tying properties together.
We structure the deposit as a separate split against your existing home, keeping each property financed on its own so you can sell or refinance one later.
2. Interest-only where it fits.
Lender appetite for interest-only has tightened. We know which of our 50+ lenders will approve it for your income and LVR, and when principal and interest is the smarter call.
3. Rental income assessed fairly.
Lenders shade rental income and existing debts differently. Choosing the one whose serviceability model suits your portfolio can change what you can borrow.
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 investors use Evergreen?
The Southside gives investors a wide tenant base: Brisbane Technology Park staff in Eight Mile Plains, Griffith University staff and students around Nathan, hospital workers near QEII and busway commuters throughout. We know how lenders view each pocket.
Some stock needs extra care, such as smaller apartments in Upper Mount Gravatt or flood-affected streets in Rocklea, where lender policy tightens. We check the address against policy before you go unconditional.
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
Can I use equity in my home to buy an investment property?
Often, yes. Usable equity is generally up to 80% of your home's value minus what you owe, and it can fund the deposit and purchase costs without touching your savings. We set it up as a separate loan split so the investment borrowing stays distinct for tax purposes, and we avoid cross-securing the two properties where possible so each can be sold or refinanced independently.
Should I choose interest-only or principal and interest?
Interest-only lowers repayments and protects cash flow in the early years, but you pay more interest over the life of the loan and the rate is often higher. Principal and interest builds equity from day one. Not every lender offers interest-only to every borrower, and terms are usually limited to around five years. We model both before you decide. Read how investment home loans work.
How do lenders treat rental income?
Most lenders count only a portion of the expected rent, commonly around 70% to 80%, to allow for vacancies and costs, and they assess your loans at a higher rate than you actually pay. Some lenders also treat negative gearing benefits differently. Because the exact treatment varies, the same investor can borrow noticeably more with one lender than another, which is why comparing matters.
Can I add a granny flat to an investment property?
Yes. A construction loan is usually the most efficient way to fund a secondary dwelling, releasing money in stages as the build progresses. Some lenders will count the projected rent from the granny flat to support your borrowing capacity. Council rules on secondary dwellings and who can live in them vary, so check approvals before you commit to the build.
How much deposit do I need for an investment property?
Most lenders want at least 10% to 20% of the purchase price, plus stamp duty and costs, which are higher for investors because first home concessions do not apply. A 20% deposit avoids Lenders Mortgage Insurance. Many investors use equity in their existing home instead of cash savings, and we work out which mix keeps your cash flow and future borrowing strongest.
How many investment properties can I own?
There is no fixed limit. What stops most investors is borrowing capacity, because each new loan is assessed at a buffered rate and lenders only count part of the rent. Lenders also differ in how they treat existing debts, so the order you use them in matters. We plan your lending structure so you do not hit a ceiling earlier than you need to.
