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 67: Why Strategic Borrowers Don’t Go Straight to the Bank
In this solo episode, host Dion Fernandes breaks down one of the most common questions in property finance: should you go directly to the bank, or work with a mortgage broker? With his signature clarity and strategic insight, Dion outlines the limitations of going to a bank — from policy rigidity to lack of strategic advice — and contrasts this with the tailored, future-focused approach of working with a strategic broker. This episode is a must-listen for serious investors, time-poor professionals, and self-employed borrowers who want more than just a loan — they want a plan for scalable wealth.
⏱️ Episode Breakdown
00:00 – Introduction
Dion welcomes listeners and sets the stage for today’s topic — the difference between going to a bank versus using a mortgage broker.
01:35 – What Happens When You Don’t Fit the Bank’s Box
Explains how banks operate with one policy, one product, and no obligation to compare. Highlights key scenarios banks typically reject: trust lending, SMSF loans, rooming houses, and complex self-employed situations.
04:50 – What Strategic Brokers Actually Do
Dion outlines the broker’s legal duty to act in your best interest, and why rate alone is a poor decision driver. Strategic brokers prioritize structure and long-term portfolio planning.
07:10 – How Dion and His Team Work With Clients
A step-by-step walkthrough of the client journey — from discovery call to strategy session, credit analysis, and working with dedicated specialists throughout the process.
10:25 – Post-Settlement Support & Portfolio Growth
Explains the ongoing service: 6-monthly loan reviews, pricing checks, and strategy updates to align with evolving goals.
12:20 – Final Thoughts
If your goal is just a refinance or a single loan, the bank may suffice. But for wealth-building, flexibility, and expert guidance, strategic broking is the better path.
🎧 Catch more episodes of Finance This, Property That on your favourite podcast app.
📲 Connect with Dion Fernandes
Instagram: @dionfinancespecialist
LinkedIn: Dion Fernandes
Website: www.financethispropertythat.com.au
💬 Thinking beyond just the interest rate?
Let’s talk strategy, structure, and how to scale your property portfolio — Dion’s only a message away.