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 44: Why Your Bank Might Be Holding You Back (And How to Move Forward)
🎙️ Episode Synopsis:
In this solo episode of Finance This, Property That, mortgage planner and finance expert Dion Fernandez shares a behind-the-scenes look at how two high-income professionals—a doctor and an engineer—broke free from financial stagnation caused by rigid bank lending policies. Dion walks listeners through their journey, explains why going directly to a bank can limit your options, and reveals how brokers can use tailored lending strategies, multiple policies, and smart structuring to unlock true borrowing potential. If you're a time-poor professional aiming to grow your property portfolio, this episode will challenge how you think about debt and lending.
đź“Ś Episode Breakdown:
00:00 – 01:30 | Welcome & Mission
- Dion introduces the show and his mission to build financial legacies.
- Explains the episode's focus on client journeys and key lessons for professionals.
01:30 – 04:30 | Why Banks Can’t Always Help You Scale
- How banks assess lending risk vs. how brokers operate.
- The limitations of working with just one lender and a single lending policy.
- Introduction to cross-collateralization and inflexible debt structures.
04:30 – 08:00 | A Client Case Study: Doctor & Engineer
- The couple’s challenges: cross-collateralized loans and borrowing limits.
- How Dion unlocked their borrowing potential using policy-specific strategies:
- LMI waivers for essential service workers.
- 100% income recognition and salary sacrifice add-backs.
- Revalued properties, released equity, and tailored structuring.
08:00 – 10:30 | From Stuck to Strategic: The Outcome
- Successfully moved from 2 to 6 properties in under 6 months.
- Set up purchases through trusts and SMSFs.
- The importance of matching loan policy with purpose and long-term goals.
10:30 – 12:00 | Final Advice & Call to Action
- Questions you must ask before relying solely on a bank:
- Are they aligned with your goals?
- Do they offer flexibility and growth potential?
- Why partnering with a knowledgeable broker can accelerate your financial journey.
- How to connect with Dion for a free discovery call.
🎯 Perfect for: Time-poor professionals (doctors, engineers, lawyers) looking to grow their property portfolios and escape the limitations of traditional banking.