Gundeep Virk - Evergreen Loan Solutions

Gundeep Virk - Evergreen Loan Solutions Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Gundeep Virk - Evergreen Loan Solutions, Mortgage brokers, Building 7, 107 Miles platting Road, Eight Mile Plains, Brisbane.

Most people buy a house thinking they are taking out one loan, but over 30 years, interest easily doubles the total cost...
07/09/2026

Most people buy a house thinking they are taking out one loan, but over 30 years, interest easily doubles the total cost.

The good news? You do not need a raise to shave years off your mortgage. You just need to tweak how your money moves:

Switch to fortnightly payments. Pay half your monthly amount every two weeks. Because there are 26 fortnights in a year, you end up making a full extra monthly payment each year without feeling the squeeze.

Park everything in an offset account. Keep your savings, emergency cash, and everyday income sitting in offset so your daily balance actively reduces the interest calculated every single night.

Get your rate reviewed annually. Banks reserve their best deals for new customers. A simple 0.50% rate cut on a $600k loan saves thousands a year that can go straight into paying down principal.

Which of these three are you currently doing? Let us know in the comments below, or send this to a homeowner who needs to see it.

❤️ **Happy Father’s Day!** ❤️Today we celebrate the dads, grandads, stepdads, father figures and all the amazing men who...
05/09/2026

❤️ **Happy Father’s Day!** ❤️

Today we celebrate the dads, grandads, stepdads, father figures and all the amazing men who show up every day with love, patience and strength.

Thank you for the little things that often go unnoticed — the early mornings, the late nights, the endless support, the advice, the laughs, and simply being there when it matters most.

Being a dad isn’t about being perfect. It’s about being present, loving unconditionally and creating memories that last a lifetime. ❤️

Wishing all the wonderful dads a very **Happy Father’s Day!** 👨‍👧‍👦❤️

May your day be filled with love, laughter, family and plenty of well-deserved relaxation!

05/09/2026

POV: You’re a mortgage broker trying to keep up with lender policy changes… 🐦🌪️💰

One lender changes their servicing calculator.
Another updates their credit policy.
Interest rates move.
A client sends you “the last document” — except there’s always one more. 😂
Then the lender comes back asking for clarification on something you’ve already explained three times.

And somehow, you’re still expected to make it all look easy. 😅

Behind every “Your loan has been approved” is a broker juggling lender policies, rates, documents, deadlines, valuations and client expectations.

Just another day in mortgage broking. 🏠☕️😂

04/09/2026

Having kids can drop your home loan budget by over $170,000 without your income changing at all.

Lenders treat dependents as a huge financial liability. Even on a solid $160k household income, two kids instantly slash how much you can borrow across every major bank.

If you are planning to buy or upgrade, timing matters more than you think.

Send me a message to check what your actual borrowing power looks like today.

02/09/2026

That moment when the keys are in your hand, the boxes are unpacked, and you finally sit down on your own couch. ☕✨

Getting there is the hard part. Between pre-approvals, lender policies and a market that shifts every RBA meeting, buying a home can feel like a full-time job before you've even started looking.

That's where Gundeep and the Evergreen team come in. We map out your borrowing power, sort the pre-approval and handle the lender side, so the only decision you're stressing over is which couch.

So tell us: what's the one thing holding you back from buying right now? Deposit? Rates? Not knowing where to start? Drop it in the comments or send us a DM and we'll help you build your roadmap.

31/08/2026

Nine things I genuinely don't care about when you sit down with me.

Not your credit score. Not your debt. Not the shoebox of receipts. Not the question you think is stupid. Not how long it's taken you to get here.

What I care about is getting you into a home. Everything else is just information we work with.

If shame has been the thing keeping you from asking, consider this your permission slip. Ask me anything.

Grateful to have attended the Local Business Awards last night ! ✨It was wonderful to be surrounded by so many passionat...
30/08/2026

Grateful to have attended the Local Business Awards last night ! ✨

It was wonderful to be surrounded by so many passionate and hardworking local businesses and to celebrate the incredible talent within our community.

Feeling grateful to be part of such a supportive and inspiring local business community. Congratulations to all the finalists and winners! 🏆

Here’s to supporting local businesses and growing together! 💚 Local Business Awards

28/08/2026

Your accountant is paid to minimise your taxable income. Lenders assess you on what is left.

When you are self-employed, tax write-offs like cars, equipment, and home office expenses lower your visible profit on paper. But banks do not look at income the same way your accountant does.

Here is what most self-employed borrowers do not realize:

Add-backs exist: Lenders can often add back non-cash expenses (like depreciation, instant write-offs, extra super contributions, and retained earnings) to boost your real borrowing power.

Timing is everything: Most banks average your last two years of tax returns. A huge current year will not help until it is fully lodged.

Planning to buy property or refinance in the next 12 to 24 months? The strategy starts BEFORE you file your next tax return, not after.

Are you self-employed and planning a purchase soon? Drop a comment or send a DM to see where your actual borrowing capacity stands.

26/08/2026

Two properties, one bank, and a loan structure most investors have never actually looked at.

It's called cross-collateralisation. Both properties securing both loans. It isn't a scam, it's completely standard, and that's the problem. Standard suits the lender.

You don't feel it until you want to move. Go to sell the first property and the bank reassesses the whole position before it releases the title. It can direct the proceeds to paying down debt instead of into your pocket. Refinancing gets the same treatment.

The alternative is keeping the securities standalone. Equity from the first property via its own split, second loan secured against the second property only. Two structures you can sell or move without asking permission.

Whether that suits your numbers is a separate question. Knowing it was an option isn't.

Go and check yours. If both properties are listed as security on both loans, comment BOTH and I'll explain what unwinding it actually involves.

People ask me if they should wait to buy. The honest answer is sometimes.But almost nobody runs the number that decides ...
24/08/2026

People ask me if they should wait to buy. The honest answer is sometimes.

But almost nobody runs the number that decides it. Most people work out how long it takes to save the deposit. Very few work out what the deposit will be by the time they get there.

Swipe through for the maths on a $700k place. Then send me yours and I'll run both versions, the one where you buy and the one where you wait. Sometimes waiting is the right call and I'll tell you so.

Address

Building 7, 107 Miles Platting Road, Eight Mile Plains
Brisbane, QLD
4113

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 4pm
Saturday 10am - 3pm

Telephone

+61421152859

Website

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