Banks LOVE Doctors… So Why Are Their Home Loans Getting Rejected? | Ep. 61
Thu Feb 05 2026
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, we are joined by Alissa Childs, co-founder of Two Birds One Loan, to break down why getting a home loan as a doctor is often more complex than it should be. We unpack how banks really assess doctors’ income, including PAYG roles with overtime, short-term ABN contracts, multiple employers, and parental leave gaps, and why many doctors are incorrectly told “no” by banks or non-specialist brokers.
We also explore practical case studies on short-term ABN lending, borrowing through trusts and SMSFs, and renegotiating high-interest rates that quietly cost doctors tens of thousands of dollars over time. This episode is a clear, practical guide for doctors who want to understand their true borrowing options and turn rejections into approvals.
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TIME STAMPS:
00:00 Hook/Intro
01:28 Introduction of Alissa Childs
03:18 Assessing Income for Salaried Doctors
11:34 Complexities of ABN Income and Multiple Jobs
17:21 Parental Leave and Its Impact on Loan Assessment
24:51 Doctors on short-term income
26:14 Dynamics between Home Loan Residential Bankers, Business Bankers and Private Bankers
31:07 Using Trusts and SMSFs for Borrowing
40:04 Conclusion/Outro
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SHOW NOTES LINKS
https://ifdgroup.com.au/
https://doctorbi.com.au/
https://au.linkedin.com/in/mian-bi
https://www.twobirdsoneloan.com.au/
https://web.facebook.com/twobirdsoneloan
https://www.linkedin.com/in/alissa-childs-8816777a/
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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.
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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, we are joined by Alissa Childs, co-founder of Two Birds One Loan, to break down why getting a home loan as a doctor is often more complex than it should be. We unpack how banks really assess doctors’ income, including PAYG roles with overtime, short-term ABN contracts, multiple employers, and parental leave gaps, and why many doctors are incorrectly told “no” by banks or non-specialist brokers. We also explore practical case studies on short-term ABN lending, borrowing through trusts and SMSFs, and renegotiating high-interest rates that quietly cost doctors tens of thousands of dollars over time. This episode is a clear, practical guide for doctors who want to understand their true borrowing options and turn rejections into approvals. ----- TIME STAMPS: 00:00 Hook/Intro 01:28 Introduction of Alissa Childs 03:18 Assessing Income for Salaried Doctors 11:34 Complexities of ABN Income and Multiple Jobs 17:21 Parental Leave and Its Impact on Loan Assessment 24:51 Doctors on short-term income 26:14 Dynamics between Home Loan Residential Bankers, Business Bankers and Private Bankers 31:07 Using Trusts and SMSFs for Borrowing 40:04 Conclusion/Outro ----- SHOW NOTES LINKS https://ifdgroup.com.au/ https://doctorbi.com.au/ https://au.linkedin.com/in/mian-bi https://www.twobirdsoneloan.com.au/ https://web.facebook.com/twobirdsoneloan https://www.linkedin.com/in/alissa-childs-8816777a/ ----- 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.