95% LVR with no LMI for doctors and dentists, 90% for allied health, how HELP debt is treated now, and what a practice purchase needs.
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Every figure is dated and traceable to a public source. The last section of the guide lists them.
The 95% no-LMI list and the 90% list, by profession, with the lender policy dates.
Marginal repayments, the 20% balance cut, and which lenders now exclude it.
Goodwill, fitout, premises and working capital, and the permanent $20,000 write-off.
Two tiers, a profession list and an AHPRA registration
The real ceiling, the cash you still need, and where the 100% story came from
What the waiver is worth in dollars, and what it does not cover
The marginal system, the indexation record and who excludes it
The buffer, the DTI cap, card limits and income recognition
Goodwill, fit-out and what the lenders will and will not tell you
The tax reform, the servicing rewrite and what both mean for a doctor
What to do, in order, and when
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