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 70: Can You Really Use Your SMSF to Buy Property?
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In this clear-cut episode, Dion Fernandes demystifies the increasingly popular (and misunderstood) strategy of using a Self-Managed Super Fund (SMSF) to purchase property. From what you’re legally allowed to do, to how SMSF lending really works, Dion lays out exactly what investors need to know before diving in. He also shares the most common mistakes buyers make — like setting up their SMSF too late or choosing lenders who don’t actually want SMSF loans on their books. This is the must-hear breakdown for anyone serious about building wealth through property inside super.
📌 Episode Breakdown
00:00 – Introduction
Dion introduces the resurgence of SMSF lending and outlines today’s focus: rules, lending mechanics, and how to get approved.
01:30 – What You Can & Can’t Do with SMSF Property
- SMSFs can buy residential or commercial — but no renos or personal use
- Business owners can occupy commercial SMSF properties
- The structure: SMSF trust vs. bear trust (and why it matters)
04:30 – How SMSF Lending Works
- Servicing based on super contributions + rental income
- PAYG vs. self-employed contribution flexibility
- How extra contributions impact personal borrowing capacity
07:45 – SMSF Lending Setup & Lender Landscape
- Why all major banks have exited the space
- Real client example: saving 4% by refinancing from a legacy SMSF loan
- Approval hurdles: documentation, deeds, audit reports, and timelines
11:45 – What You Must Have in Place Before You Buy
- Do not sign a contract before your SMSF and bear trust are set up
- Hot tip: you can’t release equity from an SMSF property — you must sell
- Get strategic advice first to avoid costly delays and missed deals
📘 Thinking about using your SMSF to buy property?
Structure it right from day one — Dion helps you navigate setup, lenders, and strategy to get approved the first time.
🎧 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