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 93: The Right Property + The Right Finance Strategy
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🔥 Top Quotes
“The people with a tailored finance strategy and tailored property strategy working together… they can’t lose.” “You need three things to build a portfolio: growing income, growing equity, and good credit history.” “Slow is smooth. Smooth is fast.”
🧠Episode Synopsis
In Part 2 of this powerful conversation, Dion and property strategist Chris McNulty dive deep into the relationship between finance strategy and property strategy—and why most investors fail by treating them separately.
The discussion explores how organization, credit positioning, long-term planning, and surrounding yourself with the right advisors can dramatically accelerate wealth creation. Chris shares real-world insights from working with investors at different levels, while Dion breaks down why credit history, lending structure, and strategic sequencing are often the hidden factors behind successful portfolios.
This episode is packed with practical lessons around portfolio building, avoiding costly mistakes, choosing the right team, and understanding why patience and execution matter more than hype.
⏱️ Episode Breakdown
0:00 – 4:00 | Why Finance Strategy Matters
- Difference between organized vs unprepared investors
- Why strategy-driven clients scale faster
- Tailored finance + tailored property strategy working together
4:00 – 10:00 | The Noise in Property Investing
- Misconceptions around trusts and borrowing
- “Don’t know what you don’t know”
- Why social media advice can lead investors astray
- Importance of understanding the why behind strategies
10:00 – 16:00 | Credit Scores & Portfolio Growth
- The hidden importance of credit history
- What lenders actually look at first
- Credit score benchmarks explained
- Real example:
- Recovering from a poor credit profile
- Delayed gratification leading to multiple property purchases
16:00 – 22:00 | Collaboration Between Advisors
- How finance strategists and buyer’s agents work together
- Importance of shared knowledge and alignment
- Real examples of strategy sessions and education
- Why communication between professionals matters
22:00 – 29:00 | Why Saying “No” Matters
- The danger of “yes people” in property investing
- Educating clients through strategy and context
- The psychology behind negotiations and offers
- Why confidence and conviction matter in execution
29:00 – 35:00 | Choosing the Right Team
- How investors should vet advisors
- Why cheaper advice can cost more long term
- Cross-checking strategy with:
- Accountants
- Brokers
- Buyer’s agents
- Financial planners
- The importance of specialization and expertise
35:00 – End | Patience, Time & Long-Term Wealth
- “Go slow to go fast” philosophy
- Why wealth creation takes time
- Letting the market work for you
- The role of patience, systems, and consistency in portfolio growth