19/08/2026
Here’s the pattern we see with medico clients who build portfolios fastest — and it isn’t about earning more. It’s about parking less. A dentist client’s move: instead of locking a big deposit into one property, they used the medico waiver to borrow at a higher LVR — and the freed-up cash became the deposit on the second purchase.
That’s the real compounding effect of this policy. You’re a registrar or early-career specialist staring at 20+ years of strong income. The question isn’t whether you can buy property — it’s how many purchase cycles you can fit into your career. Every year you’re not in the market is a year of growth you don’t get back. But sequencing only works if the structure is right from loan one. Cross-collateralise badly or park too much cash, and property two gets harder, not easier. Structure first. Then buy.
