Join 28,000+ doctors and dentists in the 'Investing for Doctors' Facebook group: https://facebook.com/groups/investingfordoctors 

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In this episode, we’re joined by Eloise Dooley, Director and Finance Broker at Two Birds One Loan, and the lending partner for the IFD Group. Eloise has helped hundreds of doctors navigate the complex world of commercial finance, from practice purchases to portfolio expansion, by teaching them how to borrow strategically and avoid unnecessary risk.

Eloise breaks down why most doctors get rejected for commercial property loans, how treating them like residential loans leads to missed approvals, higher interest rates or signing contracts without secured finance, and why your personal servicing position often plays a smaller role than you think.

She also explores the key differences between Full Doc and Lease Doc loans, how lender appetite changes based on asset type and location, and why your approval often depends on lease strength, deposit structure and the story you present.

If you want to avoid the most common lending mistakes doctors make, structure your next deal with confidence and protect your borrowing power for the long term, then make sure to listen to this episode.

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TIME STAMPS:

00:00 Hook/Intro

01:43 Elouise Dooley's Background and Commercial Lending Basics

07:28 Full Doc vs Lease Doc Loans

17:53 Navigating Commercial Lending Processes

24:02 Choosing the Right Lender and Managing Risks

32:30 Annual Reviews and Loan Rollovers

37:37 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.linkedin.com/in/elouisehaynes/

https://www.twobirdsoneloan.com.au/

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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.