Property for Doctors

Name: Property for Doctors
Address: Level 10, 30 Collins Street, Melbourne, VIC, 3000, AU
Telephone: +61385390300

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Property for Doctors

Tailored property strategies designed for the unique needs of busy medical professionals.

04/06/2026

𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗖𝗵𝗮𝗺𝗼𝘂𝗻 𝗠𝗮𝗹𝗸𝗶

We're excited to welcome Chamoun Malki to Property for Doctors by Performance Property as our new Head of Commercial.

With more than 25 years of experience across commercial property, asset management, valuations, development and investment portfolio management,

Chamoun brings a wealth of expertise to our clients and team.

His extensive background includes managing major commercial assets, leading complex lease negotiations, and delivering strategic property outcomes across office, industrial and retail sectors.

Chamoun is passionate about building trusted relationships, delivering meaningful results, and helping clients optimise the performance of their property portfolios.

We look forward to the knowledge, leadership and experience he brings to our business and clients.

Learn more about Chamoun here: https://performanceproperty.com.au/team-members/chamoun-malki-head-of-commercial/

02/06/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝗮 𝘀𝗻𝗶𝗽𝗽𝗲𝘁 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸'𝘀 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗻𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿. 𝗥𝗲𝗮𝗱 𝗯𝗲𝗹𝗼𝘄 𝗳𝗼𝗿 𝗮 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲.

This month we’re focusing on the trending unemployment rate.
Monitoring the percentage of a market that is unemployed is a key indicator of whether the local population will be able to afford purchasing in their market.

An increasing unemployment rate can mean that the population will not be in a position to be purchasing housing, therefore decreasing demand, and ultimately softening prices. The converse is also true - a decreasing unemployment rate will mean that the population is broadly feeling more financially secure, which will increase buying demand.

The unemployment rate is just one of many metrics we use to assess short and long term price movement.

𝗠𝗲𝗹𝗯𝗼𝘂𝗿𝗻𝗲: 5.20%, up from 5.00% last month 𝗕𝗲𝗻𝗱𝗶𝗴𝗼: 3.70%, up from 3.60% last month 𝗧𝗼𝗼𝘄𝗼𝗼𝗺𝗯𝗮: 4.20%, up from 4.00% last month 𝗜𝗽𝘀𝘄𝗶𝗰𝗵: 5.90%, up from 5.80% last month 𝗦𝘂𝗻𝘀𝗵𝗶𝗻𝗲 𝗖𝗼𝗮𝘀𝘁: 3.40%, unchanged from 3.40% last month 𝗕𝘂𝗻𝗯𝘂𝗿𝘆: 3.49%, up from 3.20% last month 𝗟𝗮𝘂𝗻𝗰𝗲𝘀𝘁𝗼𝗻: 4.50%, up from 4.40% last month 𝗧𝗮𝗺𝘄𝗼𝗿𝘁𝗵: 4.80%, up from 4.30% last month 𝗪𝗮𝗴𝗴𝗮 𝗪𝗮𝗴𝗴𝗮: 3.80%, up from 3.60% last month Want the full deep-dive — including pricing trends, affordability, vacancy vs rents, and population drivers? 𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗣𝗼𝗿𝘁𝗮𝗹 𝗮𝘁 https://ap1.hubs.ly/y0XBHW0

01/06/2026

𝗬𝗼𝘂𝗿 𝗱𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻 𝗱𝗶𝗱𝗻’𝘁 𝗱𝗶𝘀𝗮𝗽𝗽𝗲𝗮𝗿. 𝗜𝘁 𝗺𝗼𝘃𝗲𝗱.

The most common conversation we’re hearing from doctors this week:
“I’ve lost the tax break.”

You haven’t. You’ve lost one route to using it.

Under the new rules, losses on an established residential property purchased after 1 July 2027 can still be used in three ways:
• Offset against positively geared property in your portfolio. Same year, full deduction. Net tax outcome: identical to the old rules.
• Carried forward to offset rental income from that same property once it turns positive, which in a supply-constrained market often happens faster than most people expect.
• Carried forward against CGT when you eventually sell, and not just on the property that generated the loss. Any residential disposal.

A worked example from our research division:
Two properties. One returns +$24,000. One loses $16,000. Marginal tax rate 47.5%.

Old rules: $16,000 deducted against your salary.
New rules: $16,000 deducted against the +$24,000.

Net tax position? Identical.

The deduction hasn’t gone away. It’s just moved from one income source to another.
For a doctor with a properly structured portfolio, this matters less than the headlines suggest.

𝗪𝗵𝗮𝘁 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗿𝗲𝗳𝗼𝗿𝗺 𝗱𝗼 𝘆𝗼𝘂 𝘁𝗵𝗶𝗻𝗸 𝗵𝗮𝘀 𝗰𝗮𝘂𝘀𝗲𝗱 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝗰𝗼𝗻𝗳𝘂𝘀𝗶𝗼𝗻 𝘀𝗼 𝗳𝗮𝗿?
Click the link or scan the QR code to connect with our team.
https://ap1.hubs.ly/y0X5dr0

31/05/2026

Risk-averse doctors can approach debt recycling with guardrails such as offset buffers, small loan splits, stable cash flow and conservative investment choices.

A slow, structured approach can reduce the feeling of being overexposed while still supporting long-term wealth creation.

28/05/2026

Debt recycling requires clean structure, clear loan purpose and proper advice before funds are redrawn for investing.

One incorrect transaction can affect the tax benefits, making it essential to speak with an accountant, broker or bank before starting.

27/05/2026

Debt recycling can be powerful, but poor structure can create serious problems.

Mixing personal spending with investment debt, using one big loan, redrawing for lifestyle expenses and misusing offset accounts can undermine the strategy before it has a chance to work.

27/05/2026

𝗖𝗼𝗻𝗴𝗿𝗮𝘁𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗔𝗦𝗢 𝗖𝗼𝗻𝗴𝗿𝗲𝘀𝘀 𝟮𝟬𝟮𝟲 𝗟𝘂𝘅𝘂𝗿𝘆 𝗘𝘀𝗰𝗮𝗽𝗲𝘀 𝗚𝗶𝗳𝘁 𝗖𝗮𝗿𝗱 𝗪𝗶𝗻𝗻𝗲𝗿!

A big congratulations to Dr. Daniel Lo-Cao, the winner of our $1,000 Luxury Escapes voucher giveaway from the A*O Congress prize draw.

Thank you to everyone who visited the Property for Doctors team at Booth #22 during the event. It was fantastic connecting with so many professionals across the industry.

If you’d like to continue the conversation around property strategy, investment opportunities, and long-term wealth creation, our team would love to hear from you.

Learn more or book a consultation here:
https://ap1.hubs.ly/y0WvQH0

*OCongress *O2026

27/05/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝗮 𝘀𝗻𝗶𝗽𝗽𝗲𝘁 𝗼𝗳 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸'𝘀 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗻𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿. 𝗥𝗲𝗮𝗱 𝗯𝗲𝗹𝗼𝘄 𝗳𝗼𝗿 𝗮 𝘀𝘂𝗺𝗺𝗮𝗿𝘆 𝗮𝗻𝗱 𝗵𝗼𝘄 𝘁𝗼 𝘀𝘂𝗯𝘀𝗰𝗿𝗶𝗯𝗲.

This month we’re focusing on the trending Vacancy Rate (VR).

The vacancy rate monitors the balance of supply and demand in the rental market, which can be a precursor to positive or negative price growth.

An increasing VR demonstrates a surplus of supply and/or a lack of population to absorb the supply. The converse is also true - a decreasing vacancy rate signals insufficient stock that the population is rapidly absorbing. This trend will eventually make its way into the buying/selling market.

VR is just one of many metrics we use to assess short and long term price movement.

𝗦𝘆𝗱𝗻𝗲𝘆: 1.97%, up from 1.10% last month
𝗚𝗲𝗲𝗹𝗼𝗻𝗴: 0.96%, down from 1.40% last month
𝗗𝗮𝗿𝘄𝗶𝗻: 2.14%, up from 0.40% last month
𝗖𝗮𝗻𝗯𝗲𝗿𝗿𝗮: 1.20%, up from 1.10% last month
𝗖𝗲𝗻𝘁𝗿𝗮𝗹 𝗖𝗼𝗮𝘀𝘁: 1.45%, up from 1.00% last month
𝗕𝘂𝗻𝗱𝗮𝗯𝗲𝗿𝗴: 2.24%, up from 0.70% last month
𝗠𝗮𝗰𝗸𝗮𝘆: 2.20%, up from 0.90% last month
𝗣𝗼𝗿𝘁 𝗠𝗮𝗰𝗾𝘂𝗮𝗿𝗶𝗲: 1.07%, up from 0.80% last month
𝗪𝗼𝗹𝗹𝗼𝗻𝗴𝗼𝗻𝗴: 1.10%, up from 0.40% last month

Want the full deep-dive — including pricing trends, affordability, vacancy vs rents, and population drivers?

𝗥𝗲𝗴𝗶𝘀𝘁𝗲𝗿 𝗳𝗼𝗿 𝗮𝗰𝗰𝗲𝘀𝘀 𝘁𝗼 𝗼𝘂𝗿 𝗥𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗣𝗼𝗿𝘁𝗮𝗹 𝗮𝘁 https://ap1.hubs.ly/y0WsGy0

26/05/2026

Debt recycling can turn PPOR debt from a financial drag into a long-term wealth engine.

A doctor recycling $30,000 to $50,000 per year may gradually convert home loan debt into deductible investment debt while building a substantial investment portfolio over time.

26/05/2026

A smarter home loan structure can make a major difference for doctors with equity, income and long-term investing goals.

The right conversation with a broker, bank and accountant can reveal whether non-deductible home loan debt could be used more strategically.

Address

Level 10, 30 Collins Street
Melbourne, VIC
3000

Telephone

+61385390300

Website

https://propertyfordoctors.com.au/

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