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 54: Is Commercial Property Right for You? Smart Lending Strategies for Serious Investors
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 differentiates commercial from residential lending, the critical factors lenders look at, and how to structure deals that build long-term wealth. A real client case study highlights how the strategic use of an SMSF (self-managed super fund) helped an electrician business owner purchase their own premises—while unlocking tax and lending advantages.
Whether you're a business owner, high-income earner, or time-poor professional looking to scale smart, this episode equips you with the lending insights that matter most.
📌 Episode Breakdown
00:00 – 01:00
Intro to the podcast and Dion’s mission to help professionals build financial legacies through smart property finance strategies.
01:00 – 03:00
Why commercial lending is the next frontier after residential for investors—and the opportunities (and risks) it brings.
03:00 – 05:00
Key benefits of commercial property:
- Higher yields
- Lower landlord expenses
- Ability to buy through an SMSF (if you're a business owner)
05:00 – 07:00
When commercial doesn't make sense:
- Too early in your property journey
- Inadequate equity
- Buying low-quality assets
- Poor tenant quality or lease terms
- No buyer's agent with commercial expertise
07:00 – 09:00
What lenders really look for:
- Strong tenant and industry
- Lease structure
- Property location, type, and condition
- Specialised vs general-use assets
- Valuation metrics, cap rates, and lack of LMI options
09:00 – 11:30
💼 Client Case Study:
How a tradesman with $600k in an SMSF, an unencumbered property, and the right advice used smart structuring to buy a commercial property—while protecting personal borrowing power.
11:30 – 12:00
Final thoughts: Commercial property isn't scary—if you're prepared. Plus, how to connect with Dion for tailored finance advice.
🔗 Connect with Dion Fernandez:
Instagram: @dionfinancespecialist
LinkedIn: Dion Fernandez
Website: www.financethispropertythat.com.au
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