a more personal approach to home loans
A small, local mortgage broking team focused entirely on helping first home buyers explore their low deposit options
Making first home ownership feel possible
Evergreen Lending Group was built around one thing – helping first home buyers explore their options when a 20% deposit feels like a moving target.
We’re based between Newcastle and the Central Coast, and we work with buyers across NSW who are tired of being told to “just keep saving.” There are often more pathways into the market than people realise, and helping people understand what’s actually available is what we do.
No big call centres. No being passed around. Just a small, local team that genuinely cares about getting you into your first home.
This is what we're good at
A small local team with a clear focus – helping first home buyers find their way in.
- Low deposit specialists
- we know this market
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.
- no stupid questions
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.
The person you'll actually be talking to
Hi, I’m Jonah, mortgage broker and founder of Evergreen Lending Group, based between Newcastle and the Central Coast.
I started Evergreen 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 most people realise, and I wanted to be the person who actually takes the time to explain them.
I specialise in low deposit home loans for first home buyers. That means family guarantor loans, government schemes like the First Home Guarantee, and lenders who genuinely work well for buyers without a full 20% deposit. Every situation is different, and figuring out what’s realistic for yours is what I enjoy most about this work.
I’m also local. I know this market, I know these suburbs, and I’m not going anywhere.
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.
The team behind evergreen lending group
A husband and wife team based between Newcastle and the Central Coast, doing work we actually care about.
- Jonah
Jonah started Evergreen Lending Group with one goal – helping first home buyers figure out what’s actually possible when a 20% deposit feels out of reach. He’s local, he knows this market, and he genuinely enjoys the part of the job where someone realises they’re closer to buying than they thought.
When he’s not buried in loan applications, you’ll find him somewhere underwater on the coast or losing convincingly at board games.
- Nicola
Social Media & Operations Manager
Nicola keeps Evergreen Lending Group running behind the scenes – managing the content you see on socials, making sure the admin side of things doesn’t fall apart, and generally being the reason everything actually gets done. Jonah would be lost without her, and he knows it.
When she’s not keeping the business organised, she’s being supervised by two very unhelpful office cats.
- Book a free discovery call
Not sure if you're ready to buy? Let's find out
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.