In this episode, we discuss 6 ways doctors (or really anyone) can improve their borrowing power, to purchase their next property.
Joined again by mortgage broker and doctor Leon, we discuss
1.improving income (assessable vs non-assessable)
2.reducing credit cards (or at least reducing limit)
3.getting rid of car loans/personal loans
4.checking credit history
5.finding an investment savvy mortgage broker
6.selling property?

Other episodes:

How medical student Leon bought 3 properties(800k equity)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Lending is critical for growing a property portfolio, and there are some significant changes coming to borrowing in 2026.

In this update, joined by doctor and mortgage broker Leon, we discuss 2 big changes for 2026- DTI (debt- to- income ratio) limits, and also trust lending changes- big banks including Macquarie and CBA have pulled out.

And also we discuss importance (or more importantly, really how important) interest rates are for those looking to buy in 2026.

I'm on a mission to improve doctors financial literacy, especially when comes to property. Follow Leon and also my socials, for more tips and behind the scenes into our daily lives:

Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Leon | Mortgage Doctor (@themortgagedoctor_) • Instagram photos and videos

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Where to buy in 2026? Many investors have started buying in Darwin, a relatively affordable capital city in Australia. I share some recent purchases, rental yields, drivers for growth.

Other episodes:

Buying my first property at 23 years old

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Will admit more recently I have been leaning more towards capital growth rather than cashflow, especially when earlier in investing journey/accumulation phase. One reason being, if working, any additional income will be taxed at your marginal tax rate, and for many doctors that's the highest tax bracket 47%.

May make more sense in retirement to have focus on cashflow.

Of course, cashflow management is still important- do not want too negatively geared properties to the point that you can't hold them.

In this episode with BA Richard, we discuss some cashflow strategies- granny flat, duplex, unit blocks, NDIS, rooming homes.
Also, we talk about some common sayings "Cashflow keeps you in the game but capital growth gets you out of the rat race"

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

In this episode, I discuss property predictions for 2026!

SQM boom and bust report 2026 discusses what growth to be expected for different cities next year. It was bit suprising to me still expecting strong growth for Adelaide, Perth, Brisbane (surely near the peak?...or not)

I also discuss some of the markets I have been purchasing in also.

Let me know where are you buying in for 2026? And which market do you think will perform the best?

Resources:

25.11.25_Housing_Boom_and_Bust_report_2025_media_release.pdf

Other episodes:

Melbourne HOT or NOT? with Richard Bharata

Perth buyers agent (David Hall Interview Part 1)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

Amazing to hear people able break through barriers- I was astounded when heard uni student was able to purchase 3 properties (I had zero myself as a medical student). Listen to this episode to see how Leon Polychronopoulos was able to do so.

How first home buyer grants may not be the best choice (opportunity cost of buying in Geelong at the wrong time in the cycle)

How use financing options (dad as co-borrower)

What he looks for when picking a suburb to buy, how unconditional offers may get you the property in a hot market.

How inspired to pursue mortgage broking on the side.

Check out more about Leon at https://www.instagram.com/themortgagedoctor_/

other health professionals who have shared their property portfolios:

6 properties in under 3 years (Johnson Lin)

How a couple built a 40 property portfolio in Australia

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

In this episode, we discuss how GPs can still bill compliantly whilst doing great patient care, reduce administration tasks, Dr Casey himself has noticed increase billings per hour of 14%.

We discuss med school, investing in shares property and now business. From buying a thriving GP practice and growing it from 21 to 30 doctors.

And more recently, launching startup MBSPro, and AI scribe and MBS billing platform for GPs.

Casey has limited time promo code BFCXMBSPRO2025

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos

In this episode, we chat with buyers agent Richard Bharata, we discuss pros and cons of purchasing property in Melbourne. He shares some case studies and how navigating land tax and compliance (minimum standards) is part and parcel of the investing game.

He also updates us of his impressive portfolio- 14million dollars in 4 years!

➢tips on sourcing property yourself

➢case study of 70k below market value

➢listener Q+A- including thoughts on suburbs such as Epping (northern suburbs) and Melton (western suburbs)

➢how lack of action is killing many investors dreams of passive income

Check out Richard's website:

Home - iProperty Finder

Also feel free to ask Richard questions at: richard@ipropertyfinder.com.au

earlier episodes with Richard:

1st chat with Richard- Interview with Property Investor Richard Bharata (6 properties in 18months)

Capital Growth vs Cashflow (Richard Bharata)

Music Credit: Bass Nation.
New episode every fortnight.
Send in your questions to: passiveincomedoctors[AT]gmail.com
If you are a doctor or dentist interested in property investing Australia, join my community: https://www.facebook.com/groups/315108673770810

Follow me on Instagram for first peek at new content, and my day-to-day life. Dr Dan (@passiveincomedoctors) • Instagram photos and videos