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 84: Before You Buy Another Property, Listen to This
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
In this solo episode of Finance This Property That, the focus shifts from property selection to what truly determines long-term success: your finance strategy. The episode unpacks why most investors get stuck early—prioritising interest rates, rushing into deals, and neglecting structure—only to hit borrowing ceilings after one or two purchases. Through practical insights and a real client example, listeners learn how strategic loan structuring, disciplined planning, and the right team can transform a modest portfolio into a scalable, multi-property asset base. This episode is a must-listen for anyone serious about building wealth through property without hitting avoidable roadblocks.
🧩 Episode Breakdown
[00:00 – 01:30] Introduction & Big Idea
- Overview of why finance strategy—not property choice—determines portfolio growth
- Common mistake: chasing rates instead of scalable funding structures
[01:30 – 04:00] The Wrong Starting Point
- Investors focusing on “what to buy” instead of “how to fund”
- Why high income or equity alone doesn’t guarantee borrowing power
- The danger of signing contracts without a clear finance plan
[04:00 – 06:30] What a Real Finance Strategy Looks Like
- Discovery process: income, debt, equity, and constraints
- Strategic finance diagnostic explained
- Structuring loans so each property stands independently
- Importance of flexibility as properties perform differently
[06:30 – 08:00] The Foundations of Scaling
- Three essentials for property investing:
- Strong income
- Equity or cash
- Clean credit history
- Why small financial habits (like unnecessary credit cards) can derail long-term plans
[08:00 – 10:00] Case Study: From $1.5M to $4M Portfolio
- Client example: restructuring debt and improving cash flow
- Saving ~$2,500/month through better loan setup
- Strategic use of equity and tax positioning
- Building a clear 2-step acquisition plan with professional support
[10:00 – 11:00] Stuck vs Scaling + Final Advice
- Poor structure = locked equity + limited borrowing
- Strong structure = flexibility + repeatability
- Build a team: broker, accountant, buyer’s agent, planner
- Final takeaway: slow down, plan properly, then scale faster