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 73: How to Structure Your Property Portfolio for Growth: Lending, Tax & SMSFs
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👤 Guest: Morgan Patrick Wilson
⏱️ Duration: 38:00
🎙️ Top Quotes
“If you’re chasing rate as your number one priority, just go directly to the bank. But if you're trying to grow a portfolio, it's all about the funding stack.”“When structuring a property portfolio, tax effectiveness and asset protection are everything. Do it once, do it right, and don’t look back.”“Your super fund is the most tax-efficient investment vehicle we have in Australia — but you have to know how and when to use it.”
đź“Ś Episode Synopsis
In this powerful follow-up episode of Finance This Property, host Dion Fernandez reconnects with property tax and structuring expert Morgan Patrick Wilson for a deep dive into how to strategically structure your property portfolio for sustainable, long-term growth. From trusts and SMSFs to lending strategy and asset protection, they unpack the often-overlooked elements that separate average investors from high-performance wealth builders. If you’re planning to go beyond your next purchase and build out a five-property portfolio (or more), this episode is your masterclass in forward-thinking finance.
⏱️ Episode Breakdown
00:00 – Welcome Back: The Double Banger Continues
- Dion and Morgan tee up Part 2 with a focus on tax, lending, and future-proofing your property journey.
03:30 – Rate Chasers vs. Strategic Borrowers
- Why the cheapest interest rate isn’t always the smartest option
- The real cost of chasing “cheap money”
08:00 – Personal Name vs. Trust vs. SMSF
- How structure impacts borrowing power and tax
- Common mistakes investors make with land tax and income splitting
14:20 – Asset Protection 101
- Why this overlooked strategy is essential, especially for self-employed investors
- Real-world examples of how things can go wrong without proper structuring
20:00 – Lending Constraints and Structuring Realities
- How lenders view different structures
- The importance of planning around CGT, land tax, and serviceability
25:30 – Super Strategy: Using SMSFs to Build Wealth
- Why high-income earners should consider SMSFs
- How to leverage super without overcommitting
- Pension phase benefits and key timing considerations
30:00 – Cross-Collateralization Pitfalls
- Why cross-securitizing properties can kill your portfolio growth
- How to uncross loans and regain flexibility
- The importance of using multiple lenders strategically
35:00 – Building a Power Team
- Why you need a strategic broker, accountant, and financial planner
- The difference between transactional thinking and long-term strategy
- Avoiding the echo chamber: why “yes people” won’t get you to 5 properties
37:30 – Final Thoughts & Contact Info
- Morgan and Dion share where to connect for tailored advice
- A reminder: “Be organized. Be strategic. Plan for 5, not just the next.”