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 46: Smarter Debt Structuring for Time-Poor Professionals
Episode Synopsis:
In this solo episode of Finance This Property, That, host Dion Fernandez explores the power of smart debt structuring. Speaking directly to high-income, time-poor professionals, Dion explains why aggressively paying off debt may not always be the best strategy—especially when it comes to tax-deductible investment loans.
He walks through practical examples and a clear framework to help listeners understand how structure can directly impact cash flow, tax efficiency, and long-term property investment success. If you’re looking to grow your portfolio without sacrificing your borrowing power or financial goals, this episode is packed with valuable, actionable insights.
Episode Breakdown:
00:00 – Introduction
Dion sets the stage, emphasizing the importance of debt strategy for professionals.
01:00 – The Misconception of Paying Off Debt Fast
Distinguishing between tax-deductible and non-deductible debt.
Why paying down investment loans may hinder tax benefits.
03:00 – Impact of Structure on Outcomes
Using multiple offset accounts vs. redraw facilities.
Optimizing repayments to reduce non-deductible debt.
06:00 – Real-World Structuring Example
Strategy for converting an owner-occupied home into an investment property.
How offset accounts preserve deductibility.
08:30 – Advanced Structuring and Planning
When to consider trusts and other entities.
Key questions to define your strategy: tax, ownership, and exit plans.
10:00 – Final Takeaways
Don’t treat all loans the same—each has a job.
Call to action for professionals ready to restructure for better results.