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 53: How to Build a Property Portfolio Without Running Out of Borrowing Power
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 portfolios from stalled ones. From avoiding the “loyalty tax” to using multiple lenders strategically, he shares practical tactics for structuring debt, optimizing ownership, and maximising equity release—so you can grow smart, not slow.
Episode Breakdown:
00:00 – 01:20 — Introduction to the show and its focus on strategy over just low rates.
01:21 – 03:40 — Why most investors get stuck after 1–2 properties: loyalty tax, single-bank limitations, and outgrowing your broker.
03:41 – 06:25 — Common pitfalls: rate-chasing, poor repayment structures, and buying without a plan.
06:26 – 08:10 — How bad structuring can cap your borrowing power and the role of ownership entities.
08:11 – 11:05 — Lending changes after property #2 and the principles for building a scalable portfolio.
11:06 – 13:40 — Case study: untangling poor structuring for a self-employed couple and positioning them for future purchases.
13:41 – 16:30 — Common traps to avoid: cross-collateralisation, rushing growth, and overlooking quality over quantity.
16:31 – 18:00 — Final thoughts, disclaimers, and where to connect with Dion for tailored advice.