When to Refinance Your Home Loan as a Doctor in Australia
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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Expert financial advice and industry insights
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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How Banks Set Interest Rates (Part 1)
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How Banks Set Interest Rates (Part 2)
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Financial Management 101 For Doctors
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