Investing For Doctors Podcast

Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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Alissa Childs is back, and this time we're talking about what we've been building together at IFD Lending, our in-house mortgage broking business made for doctors. After 12 months of working with doctors from the group week in and week out, Alissa explains why medical lending is in its own category, and why so many branch lenders get it wrong.
Doctors rarely have one simple payslip. A locum here, VMO work there, 0.8 in a hospital and ABN income turning over six figures a quarter, all sitting in one application. We get into how banks look at PAYG, ABN and VMO income differently, the medico lending teams that even some bank staff don't know about, how to borrow before your new income hits a tax return, and why short term ABN income is the hardest deal to get over the line.
Then we get to the part that could save you thousands. Alissa walks through Beat Your Rates, where IFD Lending goes to your current bank and asks for a lower rate on your behalf, why every loan they write gets repriced every six months, the SMSF and commercial loans that quietly creep up in the background, and the client who spent 20 years paying 9% on $2.5 million before moving to 6% and saving $3,000 to $4,000 a month.
If you haven't looked at your rate in a while, this is your reminder. Five basis points on a $2 million loan adds up fast.

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TIME STAMPS:
00:00 Intro/Hook
01:35 Alissa is back, 12 months of IFD Lending
05:55 What makes doctors' finances so different
06:48 Medico lending and the bank teams most people don't know exist
07:37 Why going straight to the bank often goes wrong
08:29 PAYG vs ABN vs VMO, how banks view each type of income
09:13 Borrowing before your new income hits a tax return
09:56 Have lenders changed how they view doctors?
11:50 The hardest deals, short term ABN income and locums
14:03 Inside the first meeting, getting the whole picture
15:17 Why we try to reprice your existing loan first
17:51 Beat Your Rates, getting a lower rate without lifting a finger
18:20 Repricing every six months so your rate never falls out of market
19:05 Don't forget your SMSF and commercial loan rates
20:47 How to get your rate reviewed
21:43 Case study: the client paying 9% for 20 years
22:42 Rate rises and out of cycle increases
24:17 Why every basis point counts
25:01 Why each bank's appetite changes week to week
25:50 Conclusion/Outro

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SHOW NOTES LINKS
https://ifdgroup.com.au/

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

Two Birds One Loan: https://www.twobirdsoneloan.com.au/

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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

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FIND US HERE

Website: https://ifdgroup.com.au/
Facebook Group: https://www.facebook.com/groups/investingfordoctors
Facebook Page: https://www.facebook.com/investingfordoctors

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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.

Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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This is part two of our conversation with Grace Mathew, Managing Director of WeThink Group. If you haven't watched part one yet, start there, we cover what a family office actually is and why succession planning fails even at the billion dollar level.
In this episode, we get practical. Grace breaks down how family offices are actually reacting to the recent tax changes, why concentrating your investments in what you genuinely understand can beat blind diversification, and why doctors have a real, unfair advantage when investing alongside their own profession. We get into real numbers from inside the family office deal flow, including a fund that returned 70% in a single year, and why Australia's legal definition of a sophisticated investor has almost nothing to do with actual sophistication.
Most importantly, Grace shares her honest advice on how doctors and their families can start borrowing these exact strategies, no matter their net worth. That means having the money conversation before you think you need to, understanding why family disputes are one of the biggest decimators of generational wealth, and avoiding the one mistake almost every family makes when passing money down.

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TIME STAMPS:
00:00 Intro/Hook
1:12 Back into it, how family offices are reacting to the tax changes
2:29 Why Australia is so over-allocated to property
3:53 How family offices use leverage on non-property assets
5:36 Why concentration in what you know can beat diversification
7:02 The doctor's unfair advantage, and why financial advisors are wired for loss aversion
10:31 Inside the deal flow, the fund that returned 70% in one year
12:44 Why owning your own home could legally make you a sophisticated investor
13:14 What family offices are investing in right now, AI, data centres and resources
14:10 Why Australian founders are moving overseas
17:02 Why family offices don't always chase the highest return
20:47 How doctors can actually get into this mindset, Grace's real advice
24:51 Family disputes, one of the biggest decimators of wealth
27:52 The biggest mistake heirs make with inherited money, and how to guard against it

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SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
WeThink Group: https://www.wethink.group/
Grace Mathew: https://au.linkedin.com/in/gracemathew-

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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

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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.

Join 30,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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In this episode of Investing for Doctors, Dr Bi sits down with Grace Mathew, Managing Director of WeThink Group, to unpack what family offices actually do differently and why succession planning fails even at the billion dollar level. Grace spent years running investment strategy inside a single family office linked to the family behind Coca Cola, before going independent to advise family offices, funds and ultra high net worth families around the world.
We cover what a family office actually is, how it differs from simply having a lot of money, why less than a third of family offices managing over $1 billion have a proper succession plan, and why the biggest wealth transfer in human history is about to land on a generation that was never taught how to manage it. We also break down single versus multi family offices, what it actually costs to set one up or join one, and why family office structure is just as much about protecting wealth as it is about growing it.
This is part one of a two part conversation. In part two, Grace and Dr Bi get practical, how doctors can start borrowing these exact strategies no matter their net worth.

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TIME STAMPS:
00:00 Intro/Hook
1:31 Meet Grace Mathew, Managing Director of WeThink Group
2:00 Grace's origin story into the family office world
3:04 What a family office actually is
5:46 How she became Managing Director of a family office linked to the Coca Cola fortune
8:59 The real numbers, family offices manage over $1 billion yet most still fail to plan
10:36 The biggest wealth transfer in history is coming, and most heirs aren't ready
12:26 Single family offices vs multi-family offices
16:56 What it actually costs to set up or join one
19:23 What family offices actually invest in (hint, it's not ETFs)
20:26 Family office vs. high-net-worth individual, what's really different
23:49 Family office structure isn't just about growing wealth, it's about protecting it
24:38 Why family offices are now looking offshore

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SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
WeThink Group: https://www.wethink.group/
Grace Mathew: https://au.linkedin.com/in/gracemathew-

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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

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FIND US HEREWebsite: 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.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors

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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.

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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

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SHOW NOTES LINKS

https://ifdgroup.com.au/
https://doctorbi.com.au/
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

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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.

Join 29,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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Investing for Doctors is back for season two, and we're starting off by jumping straight into the 12 May 2026 Federal Budget, which rewrote the rules on capital gains tax, negative gearing and trust structures. In this solo episode, Dr. Bi breaks down exactly what's now law as of 1 September 2026, and what's still just proposed.
The headline changes: the 50% CGT discount is gone from 1 July 2027, replaced with CPI indexation and a new 30% minimum tax, which means every long term asset needs a valuation before that date. Negative gearing on established property is being quarantined to rental income only, new builds are exempt, and SMSFs are now banned from borrowing to buy residential property.
Still to come: a proposed 30% minimum tax on discretionary trusts and a three year restructuring window. Dr. Bi closes with his read on inflation, interest rates, and why the smart move is to rethink your structure, not stop investing. 
If you hold property, run a trust, or invest through an SMSF, this one's for you.

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TIME STAMPS:

00:00 Intro/Hook
04:22 CGT Discount Abolished and the New 30% Minimum Tax
09:18 Negative Gearing on Established Property Quarantined
14:41 SMSF Property Loans Banned and Small Business CGT Concessions
19:59 Proposed 30% Minimum Tax on Discretionary Trusts
25:02 Innovation Business CGT Concessions and Restructuring Advice
29:37 Macroeconomic Outlook, Will This Get Reversed?
33:16 Outro

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SHOW NOTES LINKS

https://ifdgroup.com.au/ 

https://doctorbi.com.au/ 
https://au.linkedin.com/in/mian-bi

-----
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 

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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.