HOME LOANS FOR PROFESSIONALS BRISBANE SOUTHSIDE
Borrowing power that reflects your profession, not just your payslip.
Some lenders offer eligible professionals LMI waivers and sharper terms that a branch may never mention. We know which of our 50+ lenders extend them, and to which occupations.
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 Professionals Home Loan.
Welcome to Evergreen Loan Solutions, where we are dedicated to empowering individuals and families to achieve their Professionals 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. LMI waivers for eligible professions.
A handful of lenders waive Lenders Mortgage Insurance for eligible legal, accounting and other professional occupations, which can change your deposit significantly.
2. Bonus and commission income assessed properly.
Variable pay needs a lender that counts it fairly, not one that stops at base salary.
3. Structured for where your career is heading.
Promotions, partnership and practice buy-ins all change your income profile. We structure lending with the next step in mind.
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 professionals use Evergreen?
Brisbane Technology Park in Eight Mile Plains is one of the Southside's largest white-collar employment precincts, and Robertson, Mansfield and Rochedale are popular with professional households. Occupation-based policy differs sharply between lenders.
Gundeep Virk brings 15+ years in banking and finance, so he knows how assessors read professional income. We 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
Which professions qualify for an LMI waiver?
It varies by lender, but commonly includes lawyers, accountants, doctors and other medical professionals, with some lenders accepting engineers, actuaries or other occupations. Most waivers apply to borrowing up to 85% to 90% of the property's value and may require membership of a professional body. Read about home loans for business professionals.
How do lenders treat bonuses and commission?
Some lenders average bonuses and commission over two years, some discount them, and a few assess them close to face value where the history is consistent. For professionals with a significant variable component, this can change borrowing capacity substantially. We find the lender whose method gives you the strongest result.
Can a pay rise or promotion be used?
Some lenders will consider a confirmed pay rise or promotion with an employment letter or new contract, even before it shows on your payslips. Most still rely on current, evidenced income. If your income is about to increase, timing your application can make a real difference. We tell you which lenders accept future income.
Does using a broker cost me 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 disclose it before you proceed. The lender does not charge you more for using a broker, and we are required by law to recommend a loan in your best interests.
Can professionals borrow more than 90% of a property's value?
Some lenders offer up to 90% or more for eligible professionals, sometimes with reduced or waived LMI. The exact limit depends on your profession, income and the property. Borrowing more means a larger loan and higher repayments, so we show you the trade-off before you commit.
Can I use equity from my home to invest?
Yes. Many professionals use equity in their home to fund an investment property deposit, set up as a separate loan split. This keeps the investment debt distinct for tax purposes. Speak with your accountant about the tax side, and we will structure the lending so it stays flexible.
