Finance This, Property That
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.
Finance This, Property That
EPISODE 34 - Structuring for Success: Tax & Lending Strategies for Property Investors
🎙️ Podcast: Finance This, Property That
🕒 Duration: 50 minutes
👤 Host: Dion Fernandez, Mortgage Planner & Finance Professional
🎧 Episode Summary:
In this episode of Finance This, Property That, host Dion Fernandez sits down with Morgan Wilson from Creditee, an accountant and tax strategist, for a deep dive into the critical role of loan structures and tax planning in building a high-performing property portfolio. Whether you’re a first-time investor or scaling up, this conversation is packed with practical insights on trusts, SMSFs, asset protection, and borrowing strategies—plus real-world pitfalls to avoid.
Learn how the right financial team can protect your wealth, boost your borrowing power, and support long-term generational legacy goals. This is the episode every property investor needs to hear before signing their next contract.
📌 Episode Breakdown:
🔹00:00 – 03:30
Introduction to the episode & guest Morgan from Creditee
Morgan's background in accounting & business journey
The meaning behind the name “Creditee”
🔹03:30 – 12:30
Structuring Property Purchases: Personal Name vs Trust vs Company
The three key considerations: tax effectiveness, asset protection, future-proofing
Common mistakes investors make when structuring too early or incorrectly
🔹12:30 – 25:30
Corporate Trustees & Trust Lending Explained
Importance of setting up structures properly for finance
Estate planning, relationship protection, and trust deed flexibility
Lender requirements and how structure impacts borrowing capacity
🔹25:30 – 38:30
Self-Managed Super Funds (SMSFs) & Property
Setting up an SMSF correctly: timeline, risks, and regulations
Bear trusts, non-recourse lending, and commercial vs residential usage
Why SMSFs aren't for everyone and common compliance pitfalls
🔹38:30 – 44:00
Negative vs Positive Gearing: The Real Story
Why gearing is not a strategy, just a financial outcome
Focus on asset quality, cash flow, and long-term growth
🔹44:00 – 48:30
Tax Planning, Land Tax, and Mistakes Investors Make
Importance of proactive planning before buying
Depreciation schedules & why investors leave money on the table
Aligning accounting and lending strategies for scalable growth
🔹48:30 – 50:00
How to Connect with Morgan & Dion
Where to find Morgan online and book a discovery call
Dion’s platforms and a call to share the episode with your network
Website, Instagram, LinkedIn, and other contact details
Final thoughts on the importance of education and professional advice
Listen & Subscribe:
🎧 Follow the podcast on your favorite streaming platform
Contact Details:
📩 Dion Fernandez – Mortgage Planner & Finance Specialist
@dionfinancespecialist
📩 Morgan Wilson - Creditee
@creditte
👉 Tune in now and take the first step toward smarter commercial property investing! 🎧✨