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Finance This, Property That

Dion Fernandes

71 episodes

1 week ago

🔊 Top Quotes "If you’re trying to grow, forget about chasing the best rate — we need to figure out the best policy and valuation first.""The loan needs to work not just for the next deal, but the next two to three deals — that’s how you build a sustainable portfolio.""We’re not reactive — we’re proactive. That’s why we reprice your loan every six months to keep your rate competitive."🎧 Episode Synopsis In this solo episode of Finance This Property That, Dion Fernandez breaks down the costly o...

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🔊 Top Quotes "If you’re trying to grow, forget about chasing the best rate — we need to figure out the best policy and valuation first.""The loan needs to work not just for the next deal, but the next two to three deals — that’s how you build a sustainable portfolio.""We’re not reactive — we’re proactive. That’s why we reprice your loan every six months to keep your rate competitive."🎧 Episode Synopsis In this solo episode of Finance This Property That, Dion Fernandez breaks down the costly o...

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Episodes (20/71)

Finance This, Property That

Episode 71: Why Chasing the Lowest Rate Could Cost You More

🔊 Top Quotes "If you’re trying to grow, forget about chasing the best rate — we need to figure out the best policy and valuation first.""The loan needs to work not just for the next deal, but the next two to three deals — that’s how you build a sustainable portfolio.""We’re not reactive — we’re proactive. That’s why we reprice your loan every six months to keep your rate competitive."🎧 Episode Synopsis In this solo episode of Finance This Property That, Dion Fernandez breaks down the costly o...

1 week ago

7 minutes

Finance This, Property That

Episode 70: Can You Really Use Your SMSF to Buy Property?

In this clear-cut episode, Dion Fernandes demystifies the increasingly popular (and misunderstood) strategy of using a Self-Managed Super Fund (SMSF) to purchase property. From what you’re legally allowed to do, to how SMSF lending really works, Dion lays out exactly what investors need to know before diving in. He also shares the most common mistakes buyers make — like setting up their SMSF too late or choosing lenders who don’t actually want SMSF loans on their books. This is the must-hear ...

2 weeks ago

13 minutes

Finance This, Property That

Episode 69: How We Funded a Rooming House Development From Dirt to Cashflow

In this episode, Dion Fernandes takes you behind the scenes of funding a rooming house development — from land acquisition to fully leased, cash-flowing asset. With unmatched insight into a niche but powerful strategy, Dion breaks down why most brokers get this wrong, how to avoid valuation traps, and what steps you must take before applying for finance. If you’re considering a rooming house build or want to maximise equity on your next high-yield project, this is your essential blueprint. 📌 ...

3 weeks ago

13 minutes

Finance This, Property That

Episode 68: How to Fund a Small Development Without Going Broke

In this no-nonsense episode, mortgage planner and finance strategist Dion Fernandes unpacks a critical challenge in the property development space: how to fund a small development without blowing your budget — or your chances of finishing. Drawing from real-world client experience, Dion outlines the top reasons developers run out of cash, and shares his proven 3-stage funding framework that puts strategy ahead of stress. Whether you're subdividing your first block or scaling up, this episode ...

1 month ago

15 minutes

Finance This, Property That

Episode 67: Why Strategic Borrowers Don’t Go Straight to the Bank

In this solo episode, host Dion Fernandes breaks down one of the most common questions in property finance: should you go directly to the bank, or work with a mortgage broker? With his signature clarity and strategic insight, Dion outlines the limitations of going to a bank — from policy rigidity to lack of strategic advice — and contrasts this with the tailored, future-focused approach of working with a strategic broker. This episode is a must-listen for serious investors, time-poor professi...

1 month ago

13 minutes

Finance This, Property That

Episode 66: Managing Rooming Houses for Maximum Yield and Minimal Headache, with Rachael Gibb

In this powerhouse episode of Finance This, Property That, host Dion Fernandes sits down with Rachael Gibb, rooming house property management specialist and co-founder of Upside Ave, to unpack the often misunderstood world of rooming house investments. From the nuances of tenant quality and compliance to valuation pitfalls and maintenance strategies, this conversation is a must-listen for investors who want to extract high yield and long-term value from their properties. Rachael shares boots-...

1 month ago

53 minutes

Finance This, Property That

Episode 65: From Feasibility to Funding - Winning Strategies for Development Finance

In this episode of Finance This, Property That, host Dion Fernandes dives deep into the realities of development finance, cutting through the surface-level chatter to expose what truly makes or breaks a successful funding deal. From feasibility studies to lender negotiations, Dion explains the staged process he uses to secure strategic, profitable lending for property developers — all backed by a real-world case study of a 93-lot subdivision. Whether you're building duplexes or large-scale la...

1 month ago

13 minutes

Finance This, Property That

Episode 64: Structuring Insurance for Growth, Risk, and Real-World Claims with Darren Trendler

In this insightful episode, Dion Fernandes sits down with Darren Trendler from WeCoverU to tackle a topic most property owners and business operators overlook—insurance strategy. Moving beyond product talk, Darren unpacks the why behind insurance and how to proactively structure coverage for growth, risk, and real-world events. From underinsurance pitfalls to business continuity planning, this conversation is a must-listen for property investors and entrepreneurs who want to bulletproof their...

1 month ago

33 minutes

Finance This, Property That

Episode 63: Structuring Rooming House Finance for Maximum Equity

In this solo episode of Finance This Property That, mortgage planner and finance strategist Dion Fernandes dives deep into the world of rooming house lending — one of the most misunderstood and specialised asset classes in property investing. Dion unpacks why having the right debt strategy, lending partner, and timing is crucial for success in this space. He shares the hard truths about LVR caps, lender pull-outs, and the deposit requirements that could make or break your project. Plus, he wa...

2 months ago

12 minutes

Finance This, Property That

Episode 62: Maximising Returns Through Smart Property Management

In this high-value episode, Dion Fernandes welcomes Chris and Jess from Spectrum Estate Agents for a deep dive into property management strategies that go beyond the basics. With over 25 years of combined industry experience, this dynamic duo shares powerful insights on how the right management approach can protect—and grow—your property portfolio. They uncover the often-overlooked factors that separate mediocre management from strategic wealth-building, from retaining quality tenants and re...

2 months ago

47 minutes

Finance This, Property That

Episode 61: Strategic Property Buying in a Tight Market

In this value-packed episode of Finance This Property That, mortgage strategist Dion Fernandez is joined by returning guest Jono from The Buyer Squad for a deep dive into the realities of property buying in a tightening Australian market—especially in hot zones like Brisbane and Toowoomba. From navigating low stock levels to the evolving role of buyer's agents, Dion and Jono share strategic insights for investors, first-time buyers, and rentvestors alike. They also explore the importance of ...

2 months ago

32 minutes

Finance This, Property That

Episode 60: Niching for Impact: Building a Mortgage Business That Lasts with Sam Panetta

In this high-energy and insight-packed episode of Finance This Property That, host Dion Fernandez is joined by special guest Sam Panetta – mortgage industry veteran and founder of The Broker Coach. Together, they dive deep into the power of niching in the mortgage broking industry and how brokers can create lasting impact by becoming true specialists rather than generalists. From Sam’s humble beginnings as a spray painter to building and exiting a diversified financial services business, and...

2 months ago

44 minutes

Finance This, Property That

Episode 59 Why Valuers Are Killing Your Property Deals – And How to Respond

In this insightful episode, mortgage planner and finance strategist Dion Fernandez unpacks a frustrating reality in the property investment world: how inconsistent and conservative property valuations can derail your finance strategy. Drawing from real client experiences, Dion reveals why different valuers can assess the same property with wildly different outcomes—and what you can do about it. Listeners will walk away with a deeper understanding of: Why valuations can come in low, even in a ...

3 months ago

13 minutes

Finance This, Property That

Episode 58 The Loan Journey: From Application to Post-Settlement Support (Part 2)

In this highly anticipated follow-up episode, Dion Fernandez, mortgage planner and finance strategist, walks listeners through the full journey of a property loan—from the moment the strategy is approved to well beyond settlement. This episode offers a behind-the-scenes look at what makes the Emerge Finance process seamless, fast, and supportive. Dion unpacks the step-by-step stages of loan submission, lender approval, document signing, and the all-important post-settlement care that keeps cl...

3 months ago

11 minutes

Finance This, Property That

Episode 57 What Really Happens When You Apply for a Loan (Part 1)

In this foundational episode of a two-part series, Dion Fernandez—mortgage planner, finance strategist, and Broker of the Year nominee—pulls back the curtain on what actually happens when you apply for a loan with his team. Far from just collecting documents and pressing "submit," Dion reveals a high-performance process built for results, not rejections. Whether you're a busy professional, self-employed, or a serious investor, you'll discover how his structured approach helps avoid declines, ...

3 months ago

10 minutes

Finance This, Property That

Episode 56 The 3-Step Framework for Strategic Property Finance

In this short but powerful episode, mortgage planner and finance strategist Dion Fernandez breaks down the 3-Step Framework he uses with clients to build serious property portfolios—without chasing low interest rates at the expense of strategy. Whether you’re a time-poor professional, self-employed borrower, or an ambitious investor, this episode lays out how to turn property finance into a long-term wealth-building machine. Dion outlines why defining your outcome is critical before choosing ...

3 months ago

14 minutes

Finance This, Property That

Episode 55: Should You Use Your SMSF to Buy Property?

In this episode of Finance This Property That, mortgage planner and finance strategist Dion Fernandez tackles one of the most common questions he receives: Should you use your SMSF (Self-Managed Super Fund) to buy property? Dion dives into the pros, pitfalls, and prerequisites of SMSF property investing. Whether you're a business owner considering buying your own commercial premises through super or an investor exploring long-term tax-efficient strategies, this episode breaks down what’...

4 months ago

10 minutes

Finance This, Property That

Episode 54: Is Commercial Property Right for You? Smart Lending Strategies for Serious Investors

In this episode of Finance This Property That, host Dion Fernandez dives deep into the world of commercial property lending—an increasingly popular path for seasoned investors and self-employed borrowers ready to expand beyond residential portfolios. Dion shares why commercial properties can be cash flow powerhouses or financing nightmares, depending on your approach. You'll learn what differentiates commercial from residential lending, the critical factors lenders look at, and how to structu...

4 months ago

12 minutes

Finance This, Property That

Episode 53: How to Build a Property Portfolio Without Running Out of Borrowing Power

In this high-value episode, mortgage planner and finance strategist Dion Fernandez reveals the lending strategies that allow property investors to scale beyond one or two properties—without hitting a borrowing power wall. Whether you’re a time-poor professional, a self-employed borrower, or a seasoned investor, Dion breaks down the structures, policies, and cashflow moves that separate scalable portfolios from stalled ones. From avoiding the “loyalty tax” to using multiple lenders strategical...

4 months ago

19 minutes

Finance This, Property That

Episode 52: Bridging Loans, Market Wins & Strategic Moves with the Emerge Team

In this dynamic and insightful panel episode, Dion Fernandez is joined by team members Adam and Simon from Emerge Finance to unpack the increasingly relevant topic of bridging finance. Whether you're an upgrader, downsizer, or navigating the challenges of selling and buying simultaneously, this episode lays out strategic options to help you move smarter, not slower. The team shares real-life client scenarios, including Simon’s personal experience using a bridging loan to facilitate a sea chan...

4 months ago

42 minutes