Gundeep Virk - Evergreen Loan Solutions

08/06/2026

The 20% deposit is the most expensive myth in home buying. Not because it's wrong - because it costs you time you can't get back while Brisbane prices climb.

Here's the truth: 20% is just the threshold where lenders stop charging LMI. Get under it another way, and you're in.

The First Home Guarantee lets eligible first home buyers in with a 5% deposit and no LMI - and since October 2025, the income caps and place limits are gone. For a lot of Brisbane buyers, "five more years of saving" just became "this year."

Want to know what your real deposit number is? That's a free conversation away.

05/06/2026

The rules of the game have completely changed for first home buyers in Queensland, yet most people are still relying on outdated advice.

Here is what you need to know right now:

The 20% deposit myth: You probably do not need one. Between federal schemes and state concessions, the entry point is lower than you think.

Stamp duty cuts: You might pay zero transfer duty on an established home under $700,000, or get a full exemption on a brand new build.

The $30,000 Grant: The Queensland First Home Owner Grant is still active for eligible new builds under $750,000, but time is ticking.

Lender math varies: Walking into a single bank only tells you what that bank will lend you. Different lenders use completely different calculators.

Stop guessing your budget and scrambling for finance after you fall in love with a property. The smartest move is getting pre-approved first so you can negotiate from a position of strength.

Ready to map out the exact schemes you qualify for and find your real borrowing capacity? Let's chat. Send a message to set up a free first home buyer consultation

04/06/2026

Are you overpaying on your home loan without even realising it?

Most people ignore small numbers, but when it comes to interest rates, a tiny difference changes everything. If your current rate is just 0.5% higher than the best rates available on the market, you are likely leaving thousands of dollars on the table.

On a 700,000 dollar home loan, that 0.5% difference translates to an extra 220 dollars a month. That is cash you could be keeping in your pocket.

Many homeowners avoid looking into a refinance because they assume the paperwork and process will be a total nightmare. It does not have to be. We take care of the heavy lifting, the negotiations, and the details so you can focus on the savings.

Let us see what you could be saving.

01/06/2026

Most people spend more time auditing their Netflix and Spotify subscriptions than looking at their single biggest monthly expense.

If you haven’t checked your home loan rate in the last 12 months, you might be paying a loyalty tax to your current bank. A difference of just 0.5% on a $700,000 mortgage adds up to roughly $3,500 a year in extra interest.

A home loan review doesn't automatically mean switching banks. Sometimes the best outcome is using our leverage to renegotiate a better rate with your current lender, or restructuring your loan to fit your upcoming goals.

We compare options across more than 50 lenders to give you a clear answer on where you stand. No spreadsheets to fill out, no high-pressure sales tactics, and no obligation.

As the financial year wraps up, let’s make sure your mortgage is working as hard as you do.

If you are a Brisbane Southside local, let's have a quick chat. Comment or DM us the word REVIEW to get started.

15/05/2026

Building a strong credit score comes down to consistency and smart financial habits.

✔️ Make sure all bills are paid on time
✔️ Keep your credit card balances low
✔️ Avoid submitting too many credit applications
✔️ Consider lowering credit limits if they are higher than needed

Small changes today can improve your financial position for tomorrow 🏡

13/05/2026

If you are thinking of applying for a home loan, your credit score matters more than you think 🏡📊

A stronger credit score may help you:
✔️ Access better interest rates
✔️ Increase your borrowing power
✔️ Improve your chances of approval

Before applying, it’s important to understand what lenders may see on your credit report.

Equifax Australia can provide a comprehensive credit report to help you better understand your financial profile. Check your credit score before your loan application to avoid surprises and put yourself in a stronger position.

11/05/2026

Buying a property? 🏡 Your credit report plays a key role in the loan process.

As your broker, we carefully review your credit report and use it to match you with the most suitable loan options for your situation.

📩 Chat to us today to understand where you stand and explore your options.
0421 152 859

07/05/2026

📈 3 rate rises in a row.
💸 Cost of living still climbing.

If your mortgage rate hasn’t been reviewed lately, you could be paying more than you need to. 🏡

📞 Call your lender and ask for a review.
If they won’t help, it might be time to explore your options.

📩 DM us to check if your home loan is still competitive.
0421 152 859

05/05/2026

📈 Another 0.25% rate hike by the Reserve Bank of Australia

What does it mean for you? 🤔
💸 Repayments are rising
⏳ Time to act — check your loan and strategy

👉 Example:
A $600k loan could mean ~$90–$100 more per month after a 0.25% rise

📩 DM me to review your loan and options
0421 152 859

The RBA has lifted rates by 0.25 basis points, to 4.35 per cent, which fully unwinds last year's rate cuts.