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 76: Trust Lending Just Got Harder, Here's What You Need to Know
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🔥 Top Quotes
"If you are chasing rate as your number one priority, just go directly to the bank — but you’ll spin your wheels and miss the actual deal."
"A property manager is no longer just a rent collector. For heaven's sake, it’s about strategic oversight now."
"We don’t submit applications to get approvals — we submit them to get deals settled and portfolios built."
📘 Episode Synopsis
In this no-fluff solo episode, Dion from Emerge Finance tackles the tightening landscape of trust lending and what property investors need to know right now. As major lenders like Macquarie and ANZ retreat or tighten policies, Dion outlines the remaining players, updated lending criteria, and the pitfalls of working with brokers who aren't well-versed in trust structures. He breaks down why strategy-first finance planning is more critical than ever, shares real client scenarios, and explains how to future-proof your portfolio even as lending conditions shift. It’s a punchy, insight-packed episode for serious investors looking to grow smart in a tougher climate.
⏱️ Episode Breakdown
00:00 – Introduction
Dion opens with a bold take: trust lending has gotten harder, but not impossible — and he’s here to explain why.
01:00 – Major Lenders Pulling Back
Macquarie hits pause on trust lending.
CBA only lending to existing clients.
ANZ reduces LVR to 70% and loads rates.
FirstMac remains open but requires tighter servicing inclusion.
03:30 – Impact on Investors
Less lender choice and increased policy scrutiny.
Brokers and bank staff often lack the experience to structure trust deals.
Delays, declines, and missed opportunities when due diligence is poor.
06:00 – Why Strategy is Everything
Dion shares his “no submission without strategy” approach.
Structural diagnosis, income flow mapping, lender policy matching.
Collaborating with accountants to ensure lending-aligned trust structures.
08:30 – Real Client Scenario
Dion breaks down a client situation where he rescued a stalled deal due to poor broker planning.
Business loan misalignment was resolved in 3–4 days by restructuring the debt and facilitating trust-aligned lending.
10:00 – Future-Proofing Through Strategy
Portfolio planning 2–3 steps ahead.
Balancing trust and personal ownership depending on tax and asset goals.
Clear, tailored plans = higher chance of settlement.
11:30 – Final Thoughts + Call to Action
Trust lending has narrowed, but opportunity remains.
The key? Work with a specialist who takes the time to plan properly.
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