Service 04 · Property Investment Advisory

We design the property around your strategy. Not the developer's stock list.

Two decades of execution experience working exclusively for medical professionals. We work directly with builders to negotiate layout, finishes, and design features that drive long-term capital growth — land-to-asset ratio, depreciation profile, rental positioning, design choices that matter on resale. The details 99% of investors miss. We hold our own corporate real estate licence so we act for our clients, never for the developer.

The differentiator

We design the home. Not just analyse the listing.

Almost every other "property adviser" sells from a developer's stock list. We work in the opposite direction — starting with the doctor's strategy and designing the property around it. Then we negotiate with builders on layout, finishes, and design features. The features 99% of investors miss but that genuinely drive long-term capital growth.

Quantitative features we negotiate
  • · Land-to-asset ratio (land appreciates, building depreciates)
  • · Depreciation profile and quantity surveyor input
  • · Rental positioning vs comparable supply
  • · Bedroom/bathroom count for capital growth
Qualitative features we negotiate
  • · Layout decisions that matter on resale
  • · Orientation and natural light positioning
  • · Finish choices that justify rent and resale
  • · Specific design features for the local market

Note: Specific design features and outcomes depend on the property, market, and builder. Examples above are general categories. Individual results vary materially. Property values may rise or fall.

Where property investments go wrong

Most retail property advice fails one of four tests.

8-12%
Developer margin embedded in off-the-plan purchases that buyers don't see
$50-200k
Common rectification cost on hidden defects when due diligence is skipped
Wrong
Ownership structure choice (personal name vs trust vs SMSF) — costs five-figure stamp duty to fix

Illustrative ranges based on industry observations. Outcomes vary materially by property, market, and individual circumstances. Property values may rise or fall. Past performance is not a reliable indicator of future performance.

Plan. Build. Protect.

Property is a strategy, not a transaction.

01

Plan

Match the property to your wealth strategy. Capital growth or yield. Owner-occupier or investment. Personal name, trust, SMSF, or company. Each variable has consequences for decades.

02

Build

Capital growth and tax benefit working together. Negative gearing meaningful at higher marginal rates. Depreciation schedules optimised. Cash flow modelled before signing, not after.

03

Protect

Structure to protect the asset and the income. Due diligence to avoid the $50–200k rectification surprise. Insurance for the property and the loan. Asset segregation from medico-legal exposure.

What we actually do

Property advisory under one corporate real estate licence.

01

Bespoke home design with builder negotiation

We design the property layout, finishes, and features around your wealth strategy — then negotiate with builders on your behalf. Land-to-asset ratio, depreciation profile, rental positioning, resale design choices. The details 99% of investors miss.

02

Investment property selection

Capital growth vs yield analysis specific to your strategy. Suburb selection, asset type, property attributes evaluated against your goals.

03

Buyers advocacy

Including access to off-market properties. We act for you. No developer kickbacks, no marketing rebates, no referral fees from selling agents.

04

Seven-point due diligence

Location quality, comparable sales, builder track record, strata report, contract review, independent valuation, depreciation potential. Every check, every property.

05

Depreciation strategy

Coordinate with quantity surveyors for the maximum legitimate depreciation schedule. Often $5,000–$15,000/year of additional deductions.

06

SMSF property purchases

Residential and commercial. Limited recourse borrowing arrangements. Sole purpose test compliance. Often combined with consulting room leasebacks.

07

Commercial property for practices

Consulting rooms, day surgery facilities, allied health premises. Owner-leaseback structures combining practice and SMSF.

08

Capital gains planning

Selling strategy, structure changes, CGT discount eligibility, main residence exemption, small business CGT concessions.

09

Portfolio review

Annual review of an existing investment property portfolio against your strategy. Hold, refinance, restructure, or sell — informed by current cash flow and outlook.

Indicative cash flow

The number that actually matters is weekly.

WEEKLY AFTER-TAX (ILLUSTRATIVE) −$82 $850k purchase · 6.4% interest · 40% average MTR · 3.5% rental yield Annual tax benefit +$8,833 Year-1 return on equity 14.3% Gross yield 4.77%

Illustrative example only — actual figures depend on purchase price, interest rate, marginal tax rate, depreciation schedule, vacancy assumptions, and ongoing costs. Property values may fall. Returns are not guaranteed.

Run cash flow on a property →

Get the after-tax weekly position before you sign.

Book a complimentary 15-minute consultation. We'll review your property strategy, model the cash flow on a specific property if you have one in mind, and walk you through the structure that fits your tax position.

Why doctors choose MNM for property

Buyers advocacy under a separate licence.

01

Licensed advocate, not developer

Corporate real estate licence and a separate professional indemnity policy. We act for you. No developer rebates, no kickbacks, no referral fees from selling agents.

02

Off-market access

Active relationships with selling agents and principals across all four cities. We see properties before they list — meaningful in a market where the best stock often sells before it advertises.

03

Coordinated with your finances

Property decisions made alongside your tax, lending, and super strategy. Not as a standalone transaction. The structure follows the strategy, not the other way around.

I have been with Miraj and the team at MNM for almost 10 years. As a long term client I have benefited greatly from his sound advice and proactive strategies regarding investment and tax planning. He never fails to impress me with his dedication and professionalism. I am very happy to recommend his services.

Julie P. · Anatomical Pathologist
Client · 10 years
Common questions

Property investment for doctors — answered.

Should I buy property in personal name or trust?
Depends on your income, family structure, and goals. Personal name works if you're claiming negative gearing benefits at your high marginal rate and asset protection isn't the primary concern. A discretionary trust may suit if asset protection or distribution flexibility matters. SMSF if it's for retirement. We model the comparison for your facts.
How do I know if a property is investment-grade?
Investment-grade is a planning term, not a marketing term. We use a seven-check framework — location quality, comparable sales, builder track record, strata, contract terms, independent valuation, depreciation. Properties failing one or more checks generally aren't worth pursuing for serious investment.
Can my SMSF buy my consulting rooms?
Yes, where the sole purpose test is satisfied and the limited recourse borrowing arrangement is structured correctly. This is one of the most powerful structures available to medical practice owners — the practice pays commercial rent to the SMSF, which builds your retirement balance. Specialist structuring required.
What's the deal with negative gearing for doctors at a 40% MTR?
Allowable deductions reduce tax at your marginal rate. At 40% MTR, every dollar of allowable deduction returns 40 cents in tax savings. This makes the after-tax cost of holding a negatively geared property lower than the gross cash-flow loss suggests. But the property still has to be a good investment on its own merits — tax benefit alone doesn't make a bad property a good one.
How is buyers advocacy different from a real estate agent?
A selling agent works for the vendor. A buyers advocate works for you. Different licence category, different fee structure, different fiduciary obligation. We charge a fee for our advocacy work and accept no rebates from sellers, developers, or other parties in the transaction.

Property advice from someone who only acts for you.

Book a complimentary 15-minute consultation. Whether you're considering your first investment property or reviewing an existing portfolio, we'll give you a clear read on what makes sense for your situation.