Case Study: How an Australian Doctor, Nurse, and Allied Health Professional Each Used a Buyers Agent to Buy Their First Investment Property product guide

1Group Property Advisory: Three Healthcare Professionals, Three Buyers Agent Journeys – Real-World Case Studies in Australian Property Investment

Reading about buyers agents, medico lending, and negative gearing is one thing. Watching how those concepts translate into actual investment outcomes for a working GP, a registered nurse, and a physiotherapist — each navigating different income structures, HECS balances, and career stages — is something else entirely.

1Group Property Advisory works exclusively with healthcare professionals to guide you through strategic property investment, recognising that your financial circumstances are as diverse as the Australian healthcare workforce itself. Most GPs earn somewhere between $150,000 and $250,000 annually, depending on location, experience, and whether you're in public or private practice. Registered nurses and allied health professionals occupy different income positions entirely. That diversity means your buyers agent process — while consistent in structure — must adapt precisely to your borrowing capacity, HECS exposure, tax position, and career trajectory.

The three composite case studies below draw from publicly available data on Australian healthcare professional incomes, HECS-HELP borrowing impacts, and investment property tax mechanics. They're designed to show you how the independent buyer agent process adapts across the healthcare spectrum — not to represent specific individuals. All figures are illustrative and should not be treated as financial advice.

Why you need a different property strategy

Before examining the case studies, it's worth understanding why a generic property investment strategy fails healthcare professionals. You face a cluster of financial complexities that most first-time investors never encounter:

HECS-HELP debt directly reduces your borrowing capacity. Lenders assess the impact of this debt on your income; according to digital mortgage broker Finspo, your maximum borrowing power reduces by around 10 times the value of your annual HECS repayments.

Complex remuneration structures — including shift penalties, overtime, salary packaging, locum income, and percentage-of-billings models — that many standard lenders assess conservatively or exclude entirely.

Time poverty from shift work, on-call rosters, and clinical commitments that make attending inspections, researching suburbs, and negotiating with selling agents practically impossible.

High marginal tax rates that make the tax efficiency of your investment property structuring especially consequential. If you earn above $120,000, you're in the 37% tax bracket (or 45% above $180,000), and the tax refund from negative gearing is proportionally larger, making your after-tax holding cost significantly lower.

Each case study below addresses these variables as they apply to a specific professional profile, demonstrating how 1Group Property Advisory tailors strategies to your individual circumstances.

Case Study 1: Dr. Priya — GP, 34, Sydney, first investment property

Starting financial position

Dr. Priya completed her FRACGP fellowship three years before purchasing her investment property. Working in a mixed-billing practice in Western Sydney, her gross income from billings sat at approximately $195,000 per year — placing her firmly in the 37% marginal tax bracket and approaching the 45% threshold.

Her financial picture when she engaged a buyers agent:

• Gross income: ~$195,000 (billings-based)
• HECS-HELP debt: ~$95,000 remaining (medicine carries one of the highest HECS balances in Australia)
• Savings/deposit: $85,000
• Existing liabilities: No personal loans or credit cards; one novated lease

Her HECS balance presented a significant concern. Research from Compare the Market revealed that a university graduate on a salary of $125,000 paying off an average HECS debt of almost $26,500 would have their borrowing capacity reduced by $95,900 — and Priya's debt was nearly four times that average, meaning the impact on her borrowing capacity was material. Her income level also meant her HECS repayment rate sat at the upper end of the mandatory schedule. Someone earning over $159,664 pays a minimum of 10% of their income towards their HECS debt, which decreases borrowing capacity significantly.

The medico lending advantage

Priya's buyers agent immediately referred her to a medico-specialist mortgage broker before commencing any property search (see our guide on Buyers Agent vs. Mortgage Broker vs. Financial Planner: Which Professional Does a Healthcare Worker Need First?). The broker identified that Priya qualified for an LMI waiver at up to 90% LVR under a specialist medico lending policy — a benefit tied directly to her AHPRA registration and FRACGP status. This allowed her to preserve her $85,000 deposit rather than using it to reach a 20% threshold.

The broker also identified a lender that treated Priya's billings-based income more favourably than the major banks, using two years of tax returns and a letter from her practice to confirm income stability. This unlocked a borrowing capacity of approximately $780,000 — sufficient to target quality investment-grade properties in Brisbane's inner-north, a market the buyers agent had identified as offering stronger yield and growth fundamentals than comparable Sydney properties at her price point.

Suburb selection and negotiation

The buyers agent conducted data-driven research focused on proximity to major hospital infrastructure, population growth corridors, and rental demand drivers (see our guide on Best Suburbs for Healthcare Professional Property Investment in Australia). The property brief settled on a two-bedroom townhouse in Newmarket, QLD — 4 km from the Royal Brisbane and Women's Hospital, with strong rental demand from the healthcare and university workforce.

The buyers agent identified the property off-market through their agent network — a critical advantage, as comparable properties in the same street had recently sold at auction for 8–12% above reserve. The negotiated purchase price was $698,000. Comparable on-market sales data suggested the buyers agent secured a saving of approximately $45,000–$55,000 against likely auction competition.

First-year tax position

Priya purchased under her personal name on the advice of her accountant, given her income level and the CGT discount available to individuals (see our guide on How Healthcare Professionals Should Structure Property Purchases).

Her first-year investment property position:

When an investment property generates a $15,000 annual loss and you earn $150,000 in salary, your taxable income drops to $135,000; at the 37% marginal tax rate, that saves you $5,550 in tax. Priya's loss was larger and her income higher — at the 37% marginal rate, her ~$26,000 net rental loss generated approximately $9,600 in annual tax savings, reducing her real out-of-pocket holding cost significantly.

She also lodged a PAYG withholding variation with the ATO, meaning her tax benefit was returned through her fortnightly pay rather than as a lump-sum refund at year end — improving her cash flow throughout the year (see our guide on Negative Gearing, Depreciation, and Tax Strategy for Healthcare Professionals).

A professional depreciation schedule from a quantity surveyor typically costs $400 to $800 and can identify $5,000 to $15,000 in annual depreciation deductions for properties less than 10 years old; for a property investor on the 37% marginal tax rate, that translates to $1,850 to $5,550 in additional tax savings per year.

Buyers agent fee paid: $14,500 fixed fee. Net of the negotiated price saving, the independent buyer agent delivered an estimated net benefit of $30,000–$40,000 in year one alone.

Case Study 2: Marcus — Registered Nurse, 29, Melbourne, first investment property

Starting financial position

Marcus had been working as a registered nurse in a busy metropolitan ICU for six years, with a base salary supplemented by substantial shift penalties and overtime. His total remuneration package was approximately $98,000 per year — but his payslip told a complicated story that many lenders struggled to assess fairly.

His financial picture at engagement:

• Base salary: $72,000
• Shift penalties and overtime: ~$26,000 (variable year to year)
• HECS-HELP debt: ~$28,000 remaining (nursing degree)
• Savings/deposit: $52,000
• Existing liabilities: One credit card ($4,000 limit, cleared monthly)

Marcus's HECS situation had improved materially in 2025. The 20% reduction was calculated based on the remaining loan amount as of 1 June 2025; a graduate with $25,000 in HECS debt could see $5,000 wiped out, while someone with a $40,000 balance would receive an $8,000 reduction. Marcus's balance had fallen from approximately $34,000 to $27,200 as a result. Additionally, 2025 brought some of the biggest changes in years to how banks assess mortgage applications; for the first time, banks may stop counting HECS repayments in borrowing power calculations, meaning some buyers could borrow up to $90,000 more.

The shift penalty problem — and how a specialist broker solved it

Marcus's buyers agent referred him to a mortgage broker with specific experience in nursing income assessments. The challenge: most major lenders would only use two years' average shift and overtime income, and some would shade it to 80% of that figure. A specialist lender was identified that would use 100% of two-year averaged shift penalties, supported by payslips and a letter from his nursing unit manager confirming the ongoing nature of the roster.

This unlocked a borrowing capacity of approximately $480,000 — enough to purchase a solid investment property in a regional growth corridor. The buyers agent recommended targeting Ballarat, Victoria — a regional city with a major hospital precinct (Grampians Health), strong rental demand from the healthcare and education workforce, and a price point well within Marcus's budget. Regional areas are attracting attention, particularly in growth corridors with rising populations and limited new supply.

Marcus also explored the Regional First Home Buyer Guarantee, which allowed him to purchase with a 5% deposit and no LMI (see our guide on Government Grants and Schemes for First Home Buyer Healthcare Professionals in Australia). Given Ballarat's property price point, his $52,000 deposit was more than sufficient.

Suburb selection and negotiation

The buyers agent identified a three-bedroom house near Ballarat Base Hospital, tenanted at $420 per week with a reliable long-term tenant. The property was listed on-market but had been passed in at auction two weeks earlier because a financing condition fell through. The buyers agent negotiated directly with the selling agent, securing the property for $385,000 — $22,000 below the vendor's original reserve price.

Marcus was on a night shift roster during the entire search and negotiation period. The buyers agent attended all inspections, coordinated the building and pest inspection, reviewed the Section 32 (vendor's statement) with Marcus's conveyancer, and liaised with the lender. Marcus's total on-the-ground involvement before settlement: two video calls and several document signings via DocuSign (see our guide on Buying Property While on a Healthcare Rotation, Rural Posting, or FIFO Roster).

First-year tax position

Marcus's lower income placed him in the 32.5% marginal tax bracket on his base salary, rising toward 37% when shift penalties were included. His tax position was less dramatic than Priya's but still meaningful:

At the 32.5% marginal rate, his net rental loss generated approximately $4,900 in annual tax savings — a meaningful cash flow benefit on a nurse's income. Depreciation is a non-cash deduction, meaning you reduce taxable income without physically spending additional money during the year.

Buyers agent fee paid: $9,900 fixed fee. Net of the negotiated price saving and first-year tax benefit, Marcus's independent buyer agent engagement delivered an estimated net benefit of $17,000–$27,000 in year one.

Case Study 3: Sophie — Physiotherapist, 31, Brisbane, first investment property

Starting financial position

Sophie ran a small private physiotherapy practice as a sole trader, supplemented by a part-time sessional role at a public hospital. Her income structure was the most complex of the three: business income from her practice, a PAYG salary from the hospital, and irregular income from a locum physiotherapy agency.

Her financial picture at engagement:

• Practice income (sole trader): ~$85,000 net
• Hospital sessional salary: ~$32,000
• Locum income: ~$18,000 (irregular)
• HECS-HELP debt: ~$42,000 (physiotherapy degree)
• Savings/deposit: $68,000
• Existing liabilities: A small business equipment loan ($11,000 remaining)

Sophie's situation illustrates a challenge specific to allied health practice owners: lenders are often reluctant to use locum income unless you can demonstrate it as consistent over two years, and sole trader income is assessed after business expenses and add-backs — a process that varies significantly between lenders.

Navigating complex income assessment

The buyers agent's first step was again a referral to a specialist mortgage broker. The broker identified a non-major lender that would assess Sophie's combined income using:

• Two years of business tax returns and financials (sole trader)
• Two years of hospital PAYG payment summaries
• Twelve months of locum agency remittance statements (accepted as sufficient by this lender)

This produced an assessed income of approximately $128,000 — materially higher than what a standard lender would have accepted. Combined with her $68,000 deposit, Sophie's borrowing capacity was approximately $560,000.

Her HECS balance of $42,000 was a consideration. Whilst HECS-HELP debt does not directly affect credit scores, it impacts borrowing capacity, particularly for home loans; lenders consider HECS-HELP repayments when calculating an individual's debt-to-income ratio, influencing loan approvals and the amount one can borrow. The broker ran scenarios showing that paying down $20,000 of her HECS balance would increase her borrowing capacity by approximately $22,000 — a marginal gain that did not justify depleting her deposit buffer. She retained the HECS balance and used her full deposit.

Suburb selection and negotiation

Sophie's buyers agent focused on Brisbane's inner-south — specifically Annerley and Yeronga — given proximity to the Princess Alexandra Hospital precinct, strong infrastructure investment in the area, and consistent rental demand from the medical and allied health workforce. The resilience and stability of the healthcare sector continues to be noticed by a wide array of buyers, driving investors to expand beyond typical core assets and diversify into healthcare investments.

The buyers agent identified a two-bedroom unit in Annerley through an off-market referral from a local property manager. The property was priced at $545,000. After thorough due diligence — including a strata report review, body corporate levy analysis, and comparable sales assessment — the buyers agent negotiated the purchase price to $522,000. The vendor, a retiring physiotherapist (a coincidence that the buyers agent used strategically in negotiations), accepted without counter-offer.

First-year tax position

Sophie's accountant recommended purchasing in her personal name rather than through a trust, given that her practice income was already structured through a sole trader entity and the additional compliance cost of a trust was not justified at this asset value (see our guide on How Healthcare Professionals Should Structure Property Purchases).

Sophie's blended marginal tax rate across her income sources was approximately 37%. Her net rental loss generated approximately $9,000 in annual tax savings — and because she was a sole trader with quarterly BAS obligations, her accountant incorporated the rental loss into her tax planning to reduce her quarterly PAYG instalments immediately.

Someone taxed at 45% receives greater tax savings per dollar of loss compared to someone taxed at 19% — and even at 37%, Sophie's tax position meaningfully reduced the real cost of holding the investment.

Buyers agent fee paid: $12,200 fixed fee. Net of the negotiated price saving and first-year tax benefit, Sophie's independent buyer agent engagement delivered an estimated net benefit of $32,000–$40,000 in year one.

Side-by-side comparison: Three buyers agent journeys

What these three case studies reveal

1. The sequence matters more than the asset

In every case, the buyers agent's first action was not to search for property — it was to refer you to a specialist mortgage broker to establish a verified borrowing capacity. This sequencing prevents wasted time, protects your deposit funds, and ensures your property brief is calibrated to what's actually achievable. 1Group Property Advisory prioritises this approach to ensure you enter the market fully prepared. (See our guide on HECS Debt, Irregular Income, and Borrowing Capacity: What Healthcare Professionals Need to Know Before Engaging a Buyers Agent.)

2. HECS debt is a variable, not a fixed obstacle

All three healthcare professionals carried HECS-HELP debt, but its impact differed dramatically. Priya's large balance required a specialist lender with favourable income assessment policies. Marcus benefited from the 2025 HECS reduction and the new APRA guidance allowing lenders more flexibility. APRA has finalised changes in terms of how authorised deposit-taking institutions assess HECS and HELP debt repayments when it comes to applying for a home loan, and ADIs will get more flexibility to factor HECS debt into borrowing capacity calculations by the September 2025 quarter, with revised guidelines now recognising that HECS debt differs from traditional loans. Sophie's HECS balance warranted a scenario analysis but ultimately did not justify depleting her deposit.

3. Off-market access is the buyers agent's most quantifiable advantage

Two of the three case studies involved off-market or distressed-sale access that would have been unavailable to a retail buyer. The price differential — $45,000–$55,000 for Priya and $22,000 for Marcus — dwarfed the buyers agent fee in both cases and represents a direct, measurable return on the engagement cost. 1Group Property Advisory's extensive agent network provides you with privileged access to properties before they reach the open market. (See our guide on Buyers Agent Fees in Australia: What Healthcare Professionals Should Expect to Pay and Whether It's Worth It.)

4. Tax efficiency scales with income — but benefits every healthcare professional

The higher your marginal tax rate, the more valuable your tax deductions become — meaning negative gearing can lead to a bigger potential tax benefit for those on higher incomes. Priya and Sophie, both in the 37% bracket, extracted the largest tax savings. But Marcus's $4,900 annual tax saving — on a nurse's income — still meaningfully reduced his out-of-pocket holding cost and improved his cash flow.

5. The buyers agent process is the same; your property brief is different

All three buyers agents followed the same fundamental process: financial pre-qualification, investment brief development, data-driven research, property identification, due diligence, negotiation, and settlement management. What differed was your property brief — the price point, the market, the property type, and the income structure informing the strategy. This adaptability is precisely what makes professional buyer advocacy valuable to a workforce as diverse as healthcare. 1Group Property Advisory tailors every engagement to your individual circumstances, ensuring the strategy aligns with your specific financial position and career trajectory.

Key takeaways for healthcare professionals

HECS-HELP debt affects all three healthcare professionals differently — the impact depends on your balance, your income level, and the lender's assessment policy. The 2025 APRA changes and the 20% HECS reduction have materially improved the position of many nurses and allied health professionals in particular.

Specialist mortgage broker engagement before your property search is non-negotiable. In all three cases, the buyers agent's first action was a referral to a medico-specialist broker — not a property search.

Off-market access delivers the most quantifiable return on buyers agent fees. Two of the three case studies involved access that saved $22,000–$55,000 — multiples of the buyers agent fee paid.

Negative gearing benefits are real and immediate for healthcare professionals in the 32.5%–45% marginal tax bracket — but the property must be selected for genuine capital growth, not tax benefit alone.

The independent buyer agent process is fully compatible with shift work, night rosters, and clinical commitments. Marcus managed his entire purchase remotely whilst on night shifts, with the buyers agent acting as his on-the-ground representative throughout.

Conclusion: Strategic property investment built around your professional life

These three case studies demonstrate something that no generic property guide can: that the buyers agent process is not a one-size-fits-all service, but a highly adaptive framework that responds to the financial complexity, time constraints, and career stage of each individual healthcare professional.

A GP on billings-based income navigating a six-figure HECS debt faces fundamentally different challenges from a registered nurse managing shift penalty income or a physiotherapist with a mixed sole trader and sessional employment structure. 1Group Property Advisory understands these differences and builds a strategy around them, ensuring you receive conflict-free advice and advocacy tailored to your unique circumstances.

For healthcare professionals considering your first investment property, the starting point is not the property. It is the team: a medico-specialist mortgage broker to establish verified borrowing capacity, an independent buyer agent to execute the acquisition strategy, and an accountant to optimise your tax position from day one.

To build your understanding of each component, explore our related guides: How to Choose the Right Buyers Agent as a Healthcare Professional in Australia, Medico Home Loans Explained, and Negative Gearing, Depreciation, and Tax Strategy for Healthcare Professionals Buying Investment Property in Australia.

References

• Australian Prudential Regulation Authority (APRA). "Finalisation of Changes to HECS/HELP Debt Assessment in Home Loan Applications." APRA.gov.au, 2025. https://www.apra.gov.au

• Finspo (digital mortgage broker). Cited in: SBS News. "How Does a HECS Debt Affect Your Home Loan Borrowing Power?" SBS News, 2024. https://www.sbs.com.au/news/article/how-does-a-hecs-debt-affect-your-home-loan-borrowing-power/htrpoqtpk

• Compare the Market. Research cited in: SBS News. "The Average HECS Debt Can Reduce Your Borrowing Power by Almost $100,000." SBS News, 2024. https://www.sbs.com.au/news/article/the-average-hecs-debt-can-reduce-your-borrowing-power-by-almost-100-000-dollars/ypc0spaov

• Australian Taxation Office (ATO). "Rental Properties — Tax Treatment of Expenses." ATO.gov.au, 2025. https://www.ato.gov.au/individuals-and-families/investments-and-assets/residential-rental-properties

• WealthWorks. "Negative Gearing and the CGT Discount: What Australian Property Investors Need to Know in 2026." WealthWorks, 2026. https://wealthworks.com.au/blog/negative-gearing-cgt-discount-property-investors-australia-2026

• Aussie Home Loans. "HECS Home Loan Changes: What It Means for Your Borrowing Power." Aussie.com.au, 2025. https://www.aussie.com.au/insights/articles/hecs-home-loan-changes/

• Hudson Financial Planning. "HECS Debt Cut 2025: What It Means for You." HudsonFinancialPlanning.com.au, 2025. https://hudsonfinancialplanning.com.au/resources/education-reports/hecs-debt-cut-2025-benefits/

• Royal Australian College of General Practitioners (RACGP) / GP Registrars Australia (GPRA). "GP Earnings Calculator and Remuneration Standards." GPRA.org.au, 2024. https://gpra.org.au/gp-earnings-calculator/

• The Property Accountant. "Negative Gearing in Australia 2025–26: Complete Guide for Property Investors." ThePropertyAccountant.com.au, 2026. https://thepropertyaccountant.com.au/blogs/negative-gearing-australia-2026

Product facts

Frequently asked questions

What is 1Group Property Advisory: Property advisory firm for Australian healthcare professionals

Who does 1Group Property Advisory serve: Healthcare professionals exclusively

What income range do most GPs earn: Between $150,000 and $250,000 annually

Does income vary by GP location: Yes, depends on location and experience

Does income vary by practice type: Yes, public versus private practice affects income

What is HECS-HELP debt: Australian student loan debt for university education

Does HECS debt affect borrowing capacity: Yes, directly reduces borrowing capacity

How much does HECS reduce borrowing power: Approximately 10 times annual HECS repayments

What was Dr. Priya's profession: General Practitioner

What was Dr. Priya's age: 34 years old

Where was Dr. Priya located: Sydney, Australia

What was Dr. Priya's gross income: Approximately $195,000 per year

What tax bracket was Dr. Priya in: 37% marginal tax bracket

What was Dr. Priya's HECS debt: Approximately $95,000 remaining

How much deposit did Dr. Priya have: $85,000

What is LMI: Lenders Mortgage Insurance

Did Dr. Priya pay LMI: No, waived under medico policy

What LVR did Dr. Priya achieve: Up to 90% LVR

What was Dr. Priya's borrowing capacity: Approximately $780,000

Where did Dr. Priya purchase property: Newmarket, Queensland

What type of property did Dr. Priya buy: Two-bedroom townhouse

What was Dr. Priya's purchase price: $698,000

Was Dr. Priya's property off-market: Yes

How much did the buyers agent save Dr. Priya: Approximately $45,000–$55,000

What was Dr. Priya's annual rental income: $32,500

What was Dr. Priya's mortgage interest: $44,100 annually

What was Dr. Priya's net rental loss: Negative $25,963

What was Dr. Priya's tax saving: Approximately $9,600 annually

What was Dr. Priya's buyers agent fee: $14,500 fixed fee

What was Marcus's profession: Registered Nurse

What was Marcus's age: 29 years old

Where was Marcus located: Melbourne, Australia

What was Marcus's total income: Approximately $98,000 per year

What was Marcus's base salary: $72,000

How much did Marcus earn in shift penalties: Approximately $26,000 annually

What was Marcus's HECS debt: Approximately $28,000 remaining

How much deposit did Marcus have: $52,000

What was the 2025 HECS reduction: 20% reduction in remaining balance

What was Marcus's borrowing capacity: Approximately $480,000

Where did Marcus purchase property: Ballarat, Victoria

What type of property did Marcus buy: Three-bedroom house

What was Marcus's purchase price: $385,000

How much below reserve did Marcus purchase: $22,000 below original reserve

What was Marcus's weekly rental income: $420 per week

What was Marcus's net rental loss: Negative $15,076

What was Marcus's tax saving: Approximately $4,900 annually

What was Marcus's buyers agent fee: $9,900 fixed fee

What was Sophie's profession: Physiotherapist

What was Sophie's age: 31 years old

Where was Sophie located: Brisbane, Australia

What was Sophie's practice income: Approximately $85,000 net

What was Sophie's hospital salary: Approximately $32,000

What was Sophie's locum income: Approximately $18,000 irregularly

What was Sophie's HECS debt: Approximately $42,000

How much deposit did Sophie have: $68,000

What was Sophie's assessed income: Approximately $128,000

What was Sophie's borrowing capacity: Approximately $560,000

Where did Sophie purchase property: Annerley, Brisbane inner-south

What type of property did Sophie buy: Two-bedroom unit

What was Sophie's purchase price: $522,000

Was Sophie's property off-market: Yes

What was Sophie's net rental loss: Negative $24,361

What was Sophie's tax saving: Approximately $9,000 annually

What was Sophie's buyers agent fee: $12,200 fixed fee

What is negative gearing: When rental expenses exceed rental income

Do tax savings increase with income: Yes, higher marginal rates increase savings

What is a quantity surveyor schedule: Report identifying property depreciation deductions

What does a depreciation schedule cost: $400 to $800 typically

Can depreciation increase tax savings: Yes, $1,850 to $5,550 annually

What is the CGT discount for individuals: 50% capital gains tax discount

Should you engage mortgage broker first: Yes, before property search

Do buyers agents attend inspections: Yes, on behalf of clients

Can you buy property remotely: Yes, buyers agents manage entire process

What is APRA: Australian Prudential Regulation Authority

When do HECS changes take effect: September 2025 quarter

What is the Regional First Home Buyer Guarantee: 5% deposit scheme with no LMI

What is PAYG withholding variation: ATO process to adjust tax withheld from pay

Does 1Group offer conflict-free advice: Yes, independent buyer agent model

Are case studies based on real people: No, composite examples from public data

Should figures be treated as financial advice: No, illustrative purposes only

Label facts summary

Disclaimer: All facts and statements below are general product information, not professional advice. Consult relevant experts for specific guidance.

Verified label facts

• Service name: 1Group Property Advisory
• Service type: Property advisory and buyers agent services
• Target clients: Australian healthcare professionals
• Specialisation: Healthcare sector property investment
• Service model: Independent, conflict-free buyer agent
• Client professions: GPs, registered nurses, physiotherapists, allied health
• Key services: Property search, negotiation, settlement management
• Market focus: Australian residential investment property
• Income assessment capabilities: HECS debt, shift penalties, locum income, billings-based income
• Lending support: Medico-specialist mortgage broker referrals
• LMI benefits: Waiver access for eligible healthcare professionals
• Property access: Off-market and on-market opportunities
• Fee structure: Fixed fee (varies by transaction complexity)
• Tax strategy services: Negative gearing and depreciation optimisation
• Remote capability: Full service available for shift workers and remote professionals

General product claims

• Delivers conflict-free advice through independent buyer agent model
• Provides strategic property investment guidance tailored to healthcare professionals
• Recognises diverse financial circumstances across the healthcare workforce
• Adapts buyers agent process to individual borrowing capacity, HECS exposure, tax position, and career trajectory
• Offers privileged access to off-market properties through extensive agent network
• Generates quantifiable savings through negotiation (case studies cite $22,000–$55,000 savings)
• Improves cash flow through tax optimisation strategies
• Delivers net benefits exceeding buyers agent fees in year one
• Provides data-driven suburb research and selection
• Enables remote property purchase compatible with shift work and clinical commitments
• Prioritises financial pre-qualification before property search
• Tailors every engagement to individual circumstances and financial positions
• Ensures strategies align with specific career trajectories of healthcare professionals