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 56 The 3-Step Framework for Strategic Property Finance
In this short but powerful episode, mortgage planner and finance strategist Dion Fernandez breaks down the 3-Step Framework he uses with clients to build serious property portfolios—without chasing low interest rates at the expense of strategy. Whether you’re a time-poor professional, self-employed borrower, or an ambitious investor, this episode lays out how to turn property finance into a long-term wealth-building machine.
Dion outlines why defining your outcome is critical before choosing a lender, how to build a finance team that sets you up for scalable success, and the importance of revisiting your strategy regularly to keep your portfolio optimised.
This episode is a must-listen for anyone ready to work smarter—not just harder—with their property investments.
🧱 Episode Breakdown:
🔹 [00:00 - 01:30] Introduction
- Dion introduces the podcast and who it’s for: professionals and investors who want more than just a low rate.
- Sets the tone with his vision of empowering financial legacies.
🔹 [01:30 - 04:30] Step 1 – Define the Outcome
- Why every strategy starts with clarity on goals: wealth, cash flow, or both?
- How life stage affects your approach: aggressive growth vs. cash flow planning.
- Aligning property choice with portfolio goals.
🔹 [04:30 - 09:30] Step 2 – Build a Lending Strategy (Not Just Get a Loan)
- Why chasing interest rates alone is a mistake.
- The importance of lending policy, not just price.
- Key team members you need: finance strategist, buyer’s agent, accountant, and financial planner.
- Real-life example of saving $100K through smarter structuring (LMI waiver, trust lending).
🔹 [09:30 - 12:30] Step 3 – Revisit & Recalibrate
- Why regular reviews (every 6 months) are critical in a fast-moving market.
- How Emerge Finance uses proactive rate reviews and strategic planning.
- Managing risk: fixed vs. variable, P&I vs. interest-only, and maximising offsets.
- Leveraging growth with debt recycling and future planning.
🔹 [12:30 - 14:00] Wrap-Up & Call to Action
- Summary of the framework and reminder: it’s all about the right team and strategy.
- Encouragement to reach out via Instagram, LinkedIn, or the podcast website.
- Plug for other episodes with financial planners, accountants, and buyers’ agents.
💡 Key Takeaways:
- Don’t chase the lowest rate—chase the best policy and lending strategy.
- Structure matters. Personal vs. trust vs. SMSF can make or break your tax and borrowing capacity.
- Revisit often. Property finance is not set-and-forget—stay agile, especially in growth phases.
Want to go beyond the loan and build a strategy-backed property portfolio? This episode gives you the blueprint. 💼🏠