Finance This, Property That

🔊 Top Quotes “If you’re chasing rate as your number one priority, just go directly to the bank — but don’t expect a strategy that actually builds your portfolio.” “Equity isn’t just the increase in value. It’s the value minus usable debt — and knowing how to unlock it properly is where most investors go wrong.” “The smartest investors borrow when they can, not just when they need to. That’s how p...

👤 Guest : Morgan Patrick Wilson ⏱️ Duration : 38:00 🎙️ Top Quotes “If you’re chasing rate as your number one priority, just go directly to the bank. But if you're trying to grow a portfolio, it's all about the funding stack.”“When structuring a property portfolio, tax effectiveness and asset protection are everything. Do it once, do it right, and don’t look back.”“Your super fund is the...

🎧 Episode Synopsis In this value-packed episode of Finance This Property That , host Dion sits down with Morgan Wilson from Creditte to unpack the often-missed synergy between brokers and accountants. They dive deep into how aligned tax advice and lending strategy can make or break a property portfolio — especially for self-employed investors. From real-world client stories to costly mistakes aro...

🔊 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 rat...

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 l...

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...

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 s...

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...

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 investor...

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...

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 con...

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,...

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 se...

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 i...

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 begi...

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. Li...

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 submis...

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 profes...

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-t...

 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...

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 diff...

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 po...

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...

🎧 Episode Synopsis In this episode, mortgage planner and finance strategist Dion Fernandez unpacks the powerful strategy of trust lending —a financial tool often used by wealthy investors to protect assets, optimize tax outcomes, and preserve borrowing capacity. Dion explains how trusts can be leveraged to build strategic property portfolios, where many brokers and buyers get it wrong, and the cr...

In this milestone 50th episode of Finance This Property, That , host Dion Fernandez welcomes back his very first guest, Natalie Smith from JHK Legal, to unpack major legislative changes impacting Queensland's property market. From August 1, 2025, new seller disclosure laws will come into effect — a game-changer for anyone buying or selling real estate in QLD. Dion and Natalie dive deep into w...