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Gundeep Virk - Evergreen Loan Solutions

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Gundeep Virk - Evergreen Loan Solutions

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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.

03/11/2026

Same $150K household income. Up to $150K less borrowing power.

That’s how much it can change depending on who earns the money in your house. Most people only find out when they’re sitting across from a lender.

Banks don’t lend off your gross income. They look at what’s left after tax and living costs, and two adults cost more to run than one. If the whole $150K is on one payslip and your partner’s home with the kids, the gap gets bigger again.

And every bank does the maths differently. On the same dual income, ANZ took $89K off the borrowing power and Westpac took about $39K. That’s a $50K difference just from picking a different lender.

Save this if you’re planning to buy next year. And if you want your own numbers run properly, DM me “NUMBERS”.

General information only. Figures are estimates and don’t take your personal circumstances into account.

02/11/2026

Most lenders will tell you how much you can borrow. Hardly anyone asks how much you should.

This lender was happy to give my client an extra $110k. On paper that sounds like a win. But it comes with a higher rate, and on a loan that size you feel the difference every month for 30 years.

The bigger problem is that a policy that suits you today might not suit you in two years. Maybe one of you goes part time, or a baby arrives, or work changes. If you’ve borrowed right to the edge, refinancing might not be an option anymore.

So I always start with what you can comfortably carry, then work out which lender actually fits.

If you’re about to sign with the first bank that said yes, send me a DM first. A quick chat now costs a lot less than being locked into the wrong loan.

29/10/2026

Some people leave a lasting mark on your career & your life and for me - Melina boss is one of those people. ❤️

Melina, when I look at where I am today professionally, I know how much of my journey has been shaped by you. Thank you for trusting me, guiding me, pushing me to be better every single day and believing in me even when I didn’t always believe in myself.

You taught me so much more than finance. You taught me to back myself, keep learning, step outside my comfort zone and always strive to be better. Your guidance, encouragement and the confidence you instilled in me have stayed with me throughout my career, and I carry those lessons with me every day.

I will always be grateful to have had the opportunity to learn from you. Thank you for being the boss lady who challenged me, supported me and helped shape the professional I am today.

Forever grateful for you, Melina. Thank you for your trust, your guidance and for helping me believe in myself. ❤️👑 Melina MacNellie

28/10/2026

Please stop sending me phone screenshots of your bank statements.

If you are applying for a home loan, standard screenshots just will not cut it. Banks always ask for the full PDF statement showing your name and account details.

Save yourself a few days of back and forth by downloading the actual PDF straight from your banking app.

Drop a comment below if you want the quick guide on how to pull these PDF statements in under a minute.

26/10/2026

Signed Monday afternoon. Approved Wednesday morning. 🏡

This was a 5% deposit loan through the Home Guarantee Scheme, which usually takes longer than a standard application thanks to the extra eligibility checks involved. Our client went from signed contract to approval in 39 hours.

The secret isn’t luck. It’s getting the groundwork done before you find the place, so when the contract’s signed, your file is ready to go the same day.

Thinking about buying with a 5% deposit? Send us a DM with “5%” and Gundeep will walk you through what you’d need.

*General information only. Every application is assessed on its own circumstances and approval times vary.*

23/10/2026

Thinking about buying a four-bedroom house in Brisbane?

Here is what the real numbers look like for a first-home buyer.

For a property listed around $895,000 in Acacia Ridge, you do not need a massive 20% deposit.

Using the 5% Home Guarantee scheme:

• Deposit: $44,750

• Stamp duty: ~$26,000

• Total upfront cash needed: ~$77,000

• Loan amount: $850,000

• Estimated repayments: $1,290 per week

Plus, going through the government scheme means zero lenders mortgage insurance (LMI) to pay.

DM me to find out your maximum borrowing capacity today.

23/10/2026

📬 Just arrived in the mail! 🏆💚

Proud to be recognised as a Google Top Rated Mortgage Broker in Eight Mile Plains! 🏡

A big thank you to every client who has trusted me with their home loan journey. Your support and 5-star reviews made this possible! ⭐🙏

21/10/2026

We all have that friend. Daily pre-workout, weekend brunch, five streaming subscriptions, and somehow still “saving for a house” 😅

No judgement here. Most people aren’t stuck because of the coffees, they’re stuck because nobody has shown them their real numbers. Your deposit target might be smaller than you think.

Tag your friend, then send us a DM with “PLAN” and we’ll will walk you through your borrowing power and options.

19/10/2026

Two people on $95k can walk into a bank and walk out with very different borrowing limits.

Your salary is only part of what a lender looks at. They also check what’s leaving your account each month, and that’s usually where the gap opens up.

That $15k credit card you never use? Lenders count it as if it’s maxed out, so it still cuts what you can borrow. Same goes for Afterpay accounts, car loans and personal loans you’ve half forgotten about.

Then there’s spending. A few months of big takeaway and subscription bills on your statements can lower your number before you’ve even applied.

And this one surprises people the most: lenders don’t all use the same maths. Some count overtime, bonuses or casual income in full, and others only count part of it. Same person, same payslips, but the limit can differ by tens of thousands depending on the lender.

That’s a big part of what we do. We work out which lenders suit your situation before anything goes in.

If you want to know what you could borrow, send us a DM and Gundeep will run the numbers.

16/10/2026

The bank will happily lend you more than you can comfortably repay. That gap is where a lot of money stress starts.

Most of the questions Gundeep gets aren’t really about rates. They’re about priorities. Should I clear the credit card first or keep saving the deposit? How much should sit in an emergency fund before I buy? Is now the time to look at an investment property, or should I wait?

There’s no single right answer, because it depends on your income, your debts and what you actually want the next five years to look like. But knowing where your money is going is half the work.

Save this for the next time you’re weighing up a big spend.

And if you want to know what your borrowing power really looks like, send us a DM and we’ll walk you through it.

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

https://www.evergreenloansolutions.com.au/

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