Investing For Doctors Podcast
Welcome to the Investing For Doctors podcast. Here we talk about personal finances, investing, wealth creation, accounting, and personal development that will aid you in your life journey as a doctor.
Please note that the information provided in this podcast is for educational and entertainment purposes only. The content should not be considered as financial advice and your personal situations have not been taken into account. Before making any financial decisions, we strongly recommend consulting with the relevant professional(s).
Investing For Doctors Podcast
This Doctor Lost $350,000 in Borrowing Power Overnight (2026 Tax Changes Explained) | EP 78
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors
-----
In this episode of Investing for Doctors, Dr. Bi sits down with Alissa Childs, principal at Two Birds One Loan and IFD Lending, to unpack what has actually changed in the lending and property landscape since the 2026 Federal Budget. After 20+ years in finance, Alissa says this is the most significant shift she's seen in the industry, and the numbers back her up: one doctor's approved purchase price dropped from $1.2 million to $850,000 once negative gearing was stripped out of the servicing calculators.
We break down the real difference between negative gearing before and after the Budget, why established properties are now treated completely differently to new builds, and what's happened to borrowing capacity for anyone buying today. We also cover the surprise ban on SMSFs purchasing residential property, why trust and company structures remain the one area still largely untouched, and what's actually happening in the market right now, from auctions with zero bidders to banks quietly repricing loans to hold onto clients.
This episode is a clear, numbers-driven analysis of what has changed, who it hits hardest, and what doctors should be doing about it right now.
-----
TIME STAMPS:
00:00 Intro/Hook
00:46 Guest Intro: Alissa, Two Birds One Loan & IFD Lending
02:07 Before vs After the Budget: What's Actually Changed
04:06 What Negative Gearing Actually Means
07:34 Established Properties vs New Builds
08:59 How Banks Have Rewritten Their Servicing Calculators
09:44 Case Study: A Doctor's Borrowing Power Drops $350K
12:14 How Loan Structures Are Changing
13:19 Trusts and Company Structures: Still the Same Gameplay?
14:24 Market Impact: Softening Prices and Stalled Auctions
18:26 The Surprise SMSF Property Ban
20:34 Recap: What's Dead vs What's Still Standing
23:25 Interest Rates, Bank Retrenchments & the HSBC-Pepper Deal
25:09 Refinancing and Repricing Your Existing Loan
27:08 Conclusion/Outro
-----
SHOW NOTES LINKS
https://au.linkedin.com/in/mian-bi
Two Birds One Loan: https://www.twobirdsoneloan.com.au/
-----
LISTEN TO THE PODCAST
Spotify: https://open.spotify.com/show/07DS5AxlbgmkuvP6zQGgtN
Apple Podcasts: https://podcasts.apple.com/au/podcast/investing-for-doctors-podcast/id1775535608
Amazon Music: https://music.amazon.com/podcasts/b9de46bc-e29d-4402-9e9e-959a3a5dc8da/investing-for-doctors-podcast
-----
FIND US HERE
Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors
-----
DISCLAIMER
The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
