Finance This, Property That

Dion Fernandes
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Finance This, Property That is your go-to podcast for expert insights and advice on building wealth through property investment. Hosted by, Dion Fernandes, a seasoned finance professional with over 13 years of experience, each episode delves into the intricacies of property purchasing, offering valuable tips and strategies for those looking to create wealth through real estate.From basic questions to advanced technicalities, Dion brings on trusted advisors and specialists in their fields to provide listeners with practical knowledge and actionable steps. Whether you're a first-time buyer, a seasoned investor or simply looking to expand your property portfolio, Finance This, Property That is here to empower and educate you every step of the way.

  1. DEC 18

    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 obsession many borrowers have with chasing the lowest interest rate — and why that mindset could be holding them back from true portfolio growth. Drawing from real client conversations, Dion explains how smart investors prioritize policy, structure, and long-term planning over short-term savings. With clarity and strategy at the forefront, this episode delivers a blueprint for sustainable lending decisions that actually build wealth — not just win on paper. 📘 Episode Breakdown 00:00 – Intro Dion welcomes listeners and recaps who the podcast is for — time-poor professionals, investors, and self-employed borrowers aiming to build smart property portfolios. 00:55 – Why Rate Obsession Is Misleading Dion explains how the ultra-low COVID-era rates distorted borrower expectations and why focusing solely on rate can be dangerous for long-term growth. 02:00 – Policy Over Price Rate shouldn't be the first factor — lender policy, valuation models, and servicing should lead the decision. Dion breaks down why this matters for anyone trying to grow beyond one or two properties. 03:30 – What Banks Won’t Tell You A look at the hidden trade-offs of "cheap" loan products: lack of offset accounts, redraw fees, and restrictive policies that can limit portfolio expansion. 04:45 – Strategic Lending Structure Dion shares how he structures loans to support multiple future purchases, not just the current one — focusing on offset strategies and equity recycling. 05:45 – Proactive Loan Management An inside look at how Dion's team, including Anne from Emerge Finance, reprices loans every six months to ensure ongoing competitiveness. 06:30 – Closing & Call to Action If you're unsure about your current loan structure or chasing rates blindly, Dion invites listeners to connect with him via Instagram, LinkedIn, or his website.

    7 min

  2. DEC 10

    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 breakdown for anyone serious about building wealth through property inside super. 📌 Episode Breakdown 00:00 – Introduction Dion introduces the resurgence of SMSF lending and outlines today’s focus: rules, lending mechanics, and how to get approved. 01:30 – What You Can & Can’t Do with SMSF Property SMSFs can buy residential or commercial — but no renos or personal useBusiness owners can occupy commercial SMSF propertiesThe structure: SMSF trust vs. bear trust (and why it matters)04:30 – How SMSF Lending Works Servicing based on super contributions + rental incomePAYG vs. self-employed contribution flexibilityHow extra contributions impact personal borrowing capacity07:45 – SMSF Lending Setup & Lender Landscape Why all major banks have exited the spaceReal client example: saving 4% by refinancing from a legacy SMSF loanApproval hurdles: documentation, deeds, audit reports, and timelines11:45 – What You Must Have in Place Before You Buy Do not sign a contract before your SMSF and bear trust are set upHot tip: you can’t release equity from an SMSF property — you must sellGet strategic advice first to avoid costly delays and missed deals 📘 Thinking about using your SMSF to buy property? Structure it right from day one — Dion helps you navigate setup, lenders, and strategy to get approved the first time. 🎧 Catch more episodes of Finance This Property That on your favourite podcast app. 📲 Connect with Dion Fernandes: Instagram: @dionfinancespecialist LinkedIn: Dion Fernandes Website: www.financethispropertythat.com.au

    13 min

  3. DEC 3

    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. 📌 Episode Breakdown 00:00 – Welcome & Introduction Dion recaps who the podcast is for and introduces the focus: how to properly fund a rooming house from scratch. 01:30 – Why Most Brokers Fail with Rooming House Deals Dion outlines four key reasons: Limited lender knowledge in this nicheConfusion over valuation methods (yield vs. comparable sales)Poor understanding of how rooming house builds must align with lender policyNo exit strategy in place05:00 – Structuring the Deal: The 3-Step Framework Dion explains how his team works backward from the exit to: Select lenders based on final valuation strategyMinimise upfront capital injectionPlan for equity release at completion08:00 – What You Need to Do Before You Apply From understanding council rules to getting your current debt structure in shape, Dion shares why early planning is non-negotiable. He also stresses the value of working with specialists — and how one year of delay can derail a deal. 11:30 – Pro Tips for a Stronger Exit Valuation Dion shares an “Easter egg”: why he builds in 15–18 months for construction, and how leasing before revaluation can significantly boost equity release potential at exit. 🎧 Catch more episodes of Finance This, Property That on your favourite podcast app. 📲 Connect with Dion Fernandes Instagram: @dionfinancespecialist LinkedIn: Dion Fernandes Website: www.financethispropertythat.com.au 🏘️ Considering a rooming house project?  Don’t guess your way through valuations and exits — get a lending strategy built for yield with Dion by your side.

    14 min

  4. NOV 26

    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 delivers practical, actionable insights to keep your project — and your cash flow — on track. 📌 Episode Breakdown 00:00 – Introduction Dion sets the stage for why this topic matters — especially for time-poor professionals and strategic investors entering the development space. 01:20 – Why Developers Run Out of Cash Three key mistakes are dissected: Underestimating total debt costsUsing residential lenders for commercial-style dealsFailing to plan staged funding properly05:00 – The 3-Stage Development Funding Framework Dion shares his reverse-engineered model: Stage 3: Exit/refinance strategyStage 2: Construction and development fundingStage 1: Land acquisition08:45 – Exit Strategy Determines Everything From pre-sales to refinancing, Dion explains how the exit strategy shapes loan structure, lender choice, and overall feasibility. 11:15 – What Dion’s Team Does Differently A look at the custom feasibility tools, lender matching, and “developer CV” Dion’s team uses to secure smarter funding — and why banks usually fall short. 14:30 – Final Thoughts & Call to Action Dion emphasizes de-risking, experience, and partnering with the right broker. Listeners are encouraged to connect via LinkedIn, Instagram, or the website for tailored advice. 🎧 Catch more episodes of Finance This, Property That on your favourite podcast app. 📲 Connect with Dion Fernandes Instagram: @dionfinancespecialist LinkedIn: Dion Fernandes Website: www.financethispropertythat.com.au 🏗️ Planning your next development?  Get guidance that goes beyond the loan — structure it right from day one with Dion’s expert support.

    16 min

  5. NOV 20

    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 professionals, and self-employed borrowers who want more than just a loan — they want a plan for scalable wealth. ⏱️ Episode Breakdown 00:00 – Introduction Dion welcomes listeners and sets the stage for today’s topic — the difference between going to a bank versus using a mortgage broker. 01:35 – What Happens When You Don’t Fit the Bank’s Box Explains how banks operate with one policy, one product, and no obligation to compare. Highlights key scenarios banks typically reject: trust lending, SMSF loans, rooming houses, and complex self-employed situations. 04:50 – What Strategic Brokers Actually Do Dion outlines the broker’s legal duty to act in your best interest, and why rate alone is a poor decision driver. Strategic brokers prioritize structure and long-term portfolio planning. 07:10 – How Dion and His Team Work With Clients A step-by-step walkthrough of the client journey — from discovery call to strategy session, credit analysis, and working with dedicated specialists throughout the process. 10:25 – Post-Settlement Support & Portfolio Growth Explains the ongoing service: 6-monthly loan reviews, pricing checks, and strategy updates to align with evolving goals. 12:20 – Final Thoughts If your goal is just a refinance or a single loan, the bank may suffice. But for wealth-building, flexibility, and expert guidance, strategic broking is the better path. 🎧 Catch more episodes of Finance This, Property That on your favourite podcast app. 📲 Connect with Dion Fernandes Instagram: @dionfinancespecialist LinkedIn: Dion Fernandes Website: www.financethispropertythat.com.au 💬 Thinking beyond just the interest rate? Let’s talk strategy, structure, and how to scale your property portfolio — Dion’s only a message away.

    13 min

  6. NOV 12

    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-on-the-ground insights from managing over 90% rooming house properties, while Dion brings the finance lens, exposing the funding challenges and lender misconceptions that can break a project. Whether you're mid-build, pre-purchase, or considering a pivot into rooming houses, this episode will save you from costly mistakes—and make you a smarter investor. ⏱️ Episode Breakdown 00:00 – Intro Dion welcomes listeners and introduces Rachael Gibb from Upside Ave, a specialist in rooming house property management. 02:15 – What Makes Rooming Houses Different Why standard property managers fall short and the complexities of managing 5+ tenancies under one roof. 07:00 – Upside Ave’s Origin Story Rachael shares how investing in her own rooming house led to founding a niche agency focused exclusively on this space. 11:40 – The Real Work Behind the Scenes Bins, digital locks, communal space management—why the little things aren’t so little. 20:30 – Tenants, Compliance & Culture The fine line between quality tenants and regulatory headaches—plus how to build harmonious micro-communities. 25:50 – Common Mistakes Investors Make From picking oversaturated suburbs like Acacia Ridge to penny-pinching on finishes, the warning signs are everywhere. 33:30 – The Valuation Trap Why the wrong property manager can sink your valuation and how to strategically present rental data to valuers. 41:15 – Overcapitalization vs. Smart Upgrades Tesla chargers, CCTV, and ethernet ports—when it’s worth spending more (and when it’s not). 47:00 – Parking, Solar & Future-Proofing How overlooked features like EV charging, solar batteries, and parking ratios impact rental appeal and tenant retention. 51:00 – Final Thoughts & How to Connect Rachael shares how investors can reach out, and Dion wraps with a reminder: start planning before the build. 👉 Follow Dion Fernandes on Instagram @dionfinancespecialist  and LinkedIn for more property finance insights. 🏡 Connect with Rachael Gibb at Upside Ave  or email her directly at rachael@upsideave.com.au  to level up your rooming house strategy.

    53 min

  7. NOV 5

    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 land subdivisions, this episode equips you with the mindset and strategy required to fund developments the right way. 📌 Episode Breakdown 00:00 – Intro Dion sets the stage for today’s topic: how to structure funding for residential and commercial developments. 01:00 – The Development Finance Mindset Why funding a development requires more than just a feasibility and a contract. Funders want to know who you are, what you’ve done, and if you’re capable of executing. 03:00 – Preparing a Funding Submission Dion breaks down Stage 1: Prepare, covering what goes into a quality submission — developer CVs, asset/liability tables, and why shallow feasibility reports aren’t enough. 05:00 – Choosing the Right Lender Stage 2: Compare options. Dion outlines how he goes beyond basic rates to assess speed to approval, profit impact, exit strategy, and whether the lender is truly right for the deal. 06:30 – The Power of a Structured Exit Why working backward from the exit is critical. Lenders look at how you’ll repay, and developers need to know the timeframes and terms to plan for success. 08:00 – Case Study: 93-Lot Subdivision Dion shares a client scenario that highlights poor broker performance, unnecessary refinance costs, and how strategic planning recovered $560k in extra funding. 11:00 – Lessons in Broker Value Dion contrasts “spot and refer” brokers with his hands-on, research-driven approach. The right broker can literally be the difference between profit and project failure. 12:30 – Final Thoughts & Where to Find Dion Dion closes by inviting listeners to reach out if they’re stuck or planning their next development. “It starts with a conversation.” 📲 Connect with Dion Fernandes: Instagram: @dionfinancespecialistLinkedIn: Dion FernandesWebsite: www.financethisproperty.com.auFirm: www.mergefinance.com.au💬 Ready to fund your next development the smart way? Start the conversation — Dion’s just a message away.

    13 min

  8. OCT 29

    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 portfolios and operations. As storm season looms, they also dive into what really happens when claims go live—and how to avoid the common mistakes that can leave you unprotected. ⏱️ Episode Breakdown 00:00 – Intro & Darren’s Welcome Dion introduces Darren as the strategic counterpart to George from WeCoverU and sets the tone for a conversation about proactive insurance planning. 02:00 – Product vs. Strategy A candid chat about why most people view insurance as a grudge purchase—and why that mindset is dangerous. 05:20 – Event Season & Real Risks Storm season is here. Darren breaks down why claims surge, what triggers them, and how insurers actually respond. 08:45 – Underinsurance: The #1 Gap From outdated sums insured to skyrocketing rebuild costs, Darren explains why most people are vastly underinsured—and what to do about it. 13:40 – Tools & Valuation Tips Why an insurance valuation is worth every cent, and how regular reviews can prevent catastrophic shortfalls. 17:10 – Direct vs. Brokered Insurance Why going direct can cost you in the long run, and how brokers create structure, not just paperwork. 20:00 – Business Insurance Blind Spots Vehicle changes, new staff, increased turnover—how quickly business insurance becomes outdated without regular reviews. 24:35 – Structuring Insurance for Growth Just like a finance strategy, insurance should be reviewed as your business scales. Darren shares how WeCoverU keeps clients protected as they expand. 28:20 – Claims: The Moment of Truth Why proactive documentation, clear communication, and a good broker can turn a nightmare into a manageable process when disaster strikes. 31:00 – Final Tips & Where to Find Darren Darren shares his top takeaways and explains how listeners can get in touch—no pressure, just education and strategy. 🎧 Listen to more episodes of Finance This, Property That Available on all major podcast platforms. Browse the full episode library at: www.financethispropertythat.com.au 📩 Get in touch with Dion Fernandes 📱 Instagram: @dionfinancespecialist 🔗 LinkedIn: Dion Fernandes 🌐 Website: www.financethispropertythat.com.au 🔐 Speak to Darren Trendler at WeCoverU 🌐 Website: www.wecoveryou.com.au 🔗 LinkedIn: Darren Trendler 💡 No obligation, no pressure—just smart conversations to help you protect what matters.

    34 min
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About

Finance This, Property That is your go-to podcast for expert insights and advice on building wealth through property investment. Hosted by, Dion Fernandes, a seasoned finance professional with over 13 years of experience, each episode delves into the intricacies of property purchasing, offering valuable tips and strategies for those looking to create wealth through real estate.From basic questions to advanced technicalities, Dion brings on trusted advisors and specialists in their fields to provide listeners with practical knowledge and actionable steps. Whether you're a first-time buyer, a seasoned investor or simply looking to expand your property portfolio, Finance This, Property That is here to empower and educate you every step of the way.

Information

  • Creator
    Dion Fernandes
  • Years Active
    2024 - 2025
  • Episodes
    72
  • Rating
    Clean
  • Copyright
    © 2025 Finance This, Property That
  • Show Website
    Finance This, Property That

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