Episode #78
This Doctor Lost $350,000 in Borrowing Power Overnight (2026 Tax Changes Explained) | EP 78
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://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 ----- 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.
