Do You Really Need a 20% Deposit?
Do You Really Need a 20% Deposit to Buy Property…
Based in the Hunter and helping first home buyers across NSW explore their options and get into the market.
We specialise in first home buyers who don’t have a perfect deposit sitting in the bank.
Most people don’t realise how many options exist below the 20% threshold, from family guarantors to government schemes and low deposit lenders. We’ll help you figure out what’s actually available for your situation.
We’re local. We understand what property looks like between Newcastle and the Central Coast, and we know the lenders who work well for buyers in this region.
First home buyers always apologise for not knowing things. Don’t. This is probably the biggest financial decision of your life, ask everything. That’s what we’re here for.
A relaxed, no pressure chat about where you’re at, your situation, your goals, and what you’re working with. You don’t need to have it all figured out before you call. Most people don’t. This is just the starting point
We do the legwork. We look across our lender panel to find options that suit your situation, including low deposit loans, government schemes, and guarantor options where applicable. We walk you through what we find in plain English so you can make an informed decision.
You choose the option that makes sense for you and we handle the details, preparing your application, gathering documents, lodging with the lender, and keeping you updated throughout. Our job is to deal with the back and forth so you don’t have to.
Once your loan is approved, we help coordinate the process through to settlement. When that day comes, you get your keys. And we’ll still be here after, whether that’s a question that pops up, a refinance down the track, or whatever comes next.
A relaxed, no pressure chat about where you’re at, your situation, your goals, and what you’re working with. You don’t need to have it all figured out before you call. Most people don’t. This is just the starting point.
We do the legwork. We look across our lender panel to find options that suit your situation, including low deposit loans, government schemes, and guarantor options where applicable. We walk you through what we find in plain English so you can make an informed decision.
You choose the option that makes sense for you and we handle the details, preparing your application, gathering documents, lodging with the lender, and keeping you updated throughout. Our job is to deal with the back and forth so you don’t have to.
Once your loan is approved, we help coordinate the process through to settlement. When that day comes, you get your keys. And we’ll still be here after, whether that’s a question that pops up, a refinance down the track, or whatever comes next.
Hi, I’m Jonah, mortgage broker and founder of Evergreen Lending Group, based between Newcastle and the Central Coast.
I started Evergreen Lending Group because I kept seeing first home buyers either give up on the idea of owning, or spend years saving toward a target that kept moving. There are often more options available than people realise, and I wanted to be the person who actually explains them.
I specialise in helping first home buyers explore low deposit pathways and figure out what’s realistic for their situation. No jargon, no overwhelm, just honest conversations and a clear plan.
When I’m not deep in loan applications, you’ll find me on the coast, underwater scuba diving, hanging out with my wife’s horses, or winning (losing) at board games.
Book a free 15-minute call and we’ll have an honest chat about where you’re at — your savings, your situation, and what low deposit options might be worth exploring.
No formal advice, no number crunching at this stage. Just a real conversation to help you figure out if buying sooner than you thought is actually on the table.
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Book a free call and let’s see what’s possible.
