Investment Property as a High-Income Medical Professional
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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Expert financial advice and industry insights
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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