Expert financial advice and industry insights
Banks are split on Tuesday's RBA call. But APRA's 6x debt-to-income cap is quietly reshaping borrowing power for high-earning medical professionals. Here's what to do this month.
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Prahran property prices, lifestyle, owners corporation risks, school catchments and the five-year growth picture for buyers, doctors and investors.
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A practical guide to buying property in South Yarra, Victoria. Median prices, lifestyle, schools, Forrest Hill apartment risks and a five-year growth picture for one of Melbourne's most school and hospital-driven inner suburbs.
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A practical guide to buying property in Carlton, Victoria. Median prices, lifestyle, schools, the student-apartment trap and a five-year growth picture for one of Melbourne's most distinctive inner suburbs.
Read More → National auction clearance hit 51% last weekend, the lowest of 2026. Here is what that means for buyers in the 10 days before the RBA's June 16 call, and what medical professionals should be doing right now.
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A practical guide to buying property in Fitzroy, Victoria. Median prices, lifestyle, schools, what to watch for, and a five-year growth picture for one of Melbourne's most distinctive inner suburbs.
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A practical guide to buying property in Richmond, Victoria. Median prices, lifestyle, schools, what to watch for, and a five-year growth picture for one of Melbourne's most in-demand inner suburbs.
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Most doctors assume crushing HECS is the smart move. The maths usually says otherwise. Here is when to pay it down and when to let it sit.
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A practical, plain-English guide to debt recycling for Australian medical professionals. How the strategy works, when it suits doctors, the structure rules the ATO cares about, and the risks most people underestimate.
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Public hospital doctors get two annual FBT caps worth thousands in tax savings. Here is what to package, how it works and the flow on effects to watch.
Read More →Offset and redraw look similar but behave very differently for doctors. Here is how to pick the right structure for your career stage and tax position.
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Most doctor home loans are off-market within two years. Here is when to refinance, what doctor-specific pricing actually gets you, and the costs to weigh before you move.
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What the 12 May federal budget means for property investors: negative gearing limited to new builds, the 50% CGT discount replaced with indexation, and what's grandfathered.
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The RBA lifted the cash rate to 4.35% on Tuesday, the third hike of 2026. Here's what it means for borrowing capacity, repayments, and serviceability.
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APRA's 6x debt-to-income cap is reshaping investor lending in 2026. Here is why this week's rate hike sharpens the pinch for doctor investors, and what to do about it.
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The RBA raised the cash rate to 4.35% in May 2026, its third hike of the year. Here is what it means for doctor borrowers, property buyers, and registrars planning their next move.
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A practical EOFY checklist covering super top-ups, deduction claims, investment property tax, and record-keeping for Australian doctors and healthcare professionals.
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Australia's Q1 2026 CPI came in at 4.6%, published by the ABS on 29 April. With all four major banks forecasting a rate hike on May 5, here's what medical professionals with mortgages should do this week.
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Should doctors fix their home loan rate or go variable? Here's how to choose the right structure for your career stage and income.
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CBA, NAB and Westpac are tipping another rate rise in May 2026. Here's what Australian medical professionals should do before the decision drops.
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A complete guide to investing for Australian doctors and specialists - covering asset classes, tax structures, super strategies, and how to build long-term wealth at every career stage.
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If you earn over $250,000 as a doctor, Division 293 doubles your effective super tax rate to 30%. Here is what it means and how to manage it.
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A practical guide to investment property for high-income medical professionals in Australia, covering negative gearing, depreciation, CGT, and how to structure your loans.
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Yes, you can buy a home on a registrar salary. Learn about LMI waivers, deposit targets, short contracts, and loan structure for junior doctors buying their first property in Australia.
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The RBA raised the cash rate to 4.10% this week, its second consecutive hike. Here is what the decision means for medical professionals with mortgages or property portfolios, and three practical steps to take now.
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A practical guide to superannuation for Australian doctors - covering concessional and non-concessional contributions, salary sacrifice, SMSF, and the carry-forward catch-up opportunity for those who had low super during training.
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Fellowship completion is the biggest income event most doctors have. But mixed income makes lenders cautious. Here is what to sort out first.
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A practical overview of tax obligations, deductions, and structuring options for Australian doctors and healthcare professionals - from PAYG employees to locums and practice owners.
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PAYG, sole trader, company, or partnership: each income structure affects your tax, super, and borrowing capacity differently. Here's how to choose.
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If you work as a locum on an ABN, you handle your own tax, GST, super and PAYG instalments. Here is what you owe and when.
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Australian doctors miss thousands in legitimate deductions each year. Here are the CPD, registration, travel, and self-education claims you can actually make.
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Doctors have real advantages when buying property in Australia. Here is what actually applies to your career stage and how to use it.
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Most doctors can borrow between $1 million and $3.5 million. The figure shifts significantly by career stage, lender policy, and income structure.
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Australian doctors can borrow up to 90% LVR with no LMI. GPs, registrars, and allied health professionals with AHPRA registration all qualify.
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Most doctors qualify for home loans with no LMI, up to 90-95% LVR, and better income assessment. LMI waiver saves $18k-$40k.
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How to navigate buying while still owning property.
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Common challenges doctors face when buying property.
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Should Locum Drs Be Treated Like Plumbers?
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Financial Management 101 For Doctors
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How Banks Set Interest Rates (Part 2)
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How Banks Set Interest Rates (Part 1)
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