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 is a business podcast hosted by Dion Fernandes, with 104 episodes on record and a Required Pod Score of 80. PitchCentric scores this show on Booking Probability, Listen Score, and live audience signals refreshed every 24 hours.

Dion Fernandes hosts Finance This, Property That, a business show with 104 episodes published.

Our AI reads these to draft pitches. Use them as grounding for a pitch that cites a real guest and a specific topic.

• 

  Episode #105

  Episode 105: Asset Finance Is More Than Just Getting a Car Loan

  Aug 19, 202643 minS1

  In this episode of Finance This, Property That , Dion Fernandes sits down with Scott Knight from Motorlend to unpack the world of asset finance and why getting the structure right can make a major difference for business owners. Scott explains how asset finance goes well beyond simply financing a car. From utes and trucks to machinery, workshop equipment and even specialised business tools, the right finance strategy can help businesses preserve cash flow and prepare for future growth. They discuss why working with a broker can be very different from simply accepting finance offered at a dealership, particularly when future borrowing plans, lender policies and business growth need to be considered. The conversation also explores low-doc versus full-doc lending, why some lenders will finance above 100% of an asset's paper value, and how the age and type of an asset can determine which lenders are available. Dion and Scott also break down dealership offers advertising extremely low interest rates, including the deposits, shorter terms and balloon payments that can sit behind the headline rate. For business owners, one of the biggest takeaways is simple: get the finance sorted before signing the contract . Understanding your budget, borrowing capacity and lender options first can give you more confidence and prevent problems later. They finish with a discussion about EV finance, balloon payments and how buyers can think about potential resale value when structuring a vehicle loan. In This Episode How Motorlend approaches consumer and commercial asset finance Why asset finance should be part of a wider business strategy Financing vehicles, trucks, machinery and business equipment Why preserving business cash flow matters End-of-financial-year asset purchases and tax misconceptions How lenders can finance more than 100% of an asset's paper value Low-doc versus full-doc asset finance Why lender policy matters as much as interest rate What is really behind dealership finance offers like 1.99% Why buyers should work out their budget before choosing the car The importance of pre-approval before signing a contract How asset age can affect lender selection and interest rates Finance options for new and credit-impaired businesses Refinancing commercial and consumer asset loans Using finance to improve business cash flow Financing EVs and hybrid vehicles Choosing an appropriate balloon payment How to estimate a vehicle's future resale value Episode Breakdown 00:00 - Meet Scott Knight from Motorlend 02:00 - Helping self-employed clients grow through asset finance 05:00 - Why a broker can offer more strategy than dealership finance 07:00 - End-of-financial-year purchases and tax misconceptions 08:30 - Financing above 100% of an asset's value 11:00 - Low-doc versus full-doc asset finance 15:00 - The truth behind 1.99% dealership finance offers 17:30 - Work out your budget before choosing the car 20:30 - Pre-approval and getting the order of operations right 23:30 - How asset age and lender policy affect your options 25:30 - Why the cheapest rate is not always the best strategy 29:00 - Refinancing loans and improving cash flow 32:00 - The unusual business assets that can be financed 34:00 - Financing Hiluxes, business vehicles and managing availability 35:45 - EV finance, interest-rate discounts and charging 38:15 - Balloon payments and avoiding overcapitalisation 40:00 - Estimating what your vehicle could be worth in five years 41:30 - Building the right finance team and episode wrap-up The information provided in this podcast is general in nature and does not take into consideration your personal circumstances. Seek appropriate professional advice before making financial decisions. Learn more about Stratega Finance: [www.strategafinance.com.au](http://www.strategafinance.com.au) Follow Stratega Finance: @stratega.finance Connect with Dion Fernandes on LinkedIn.

  ListenShow Notes
• 

  Episode #104

  Episode 104: How to Get Your Cash Back Out of a Rooming House Deal

  Aug 12, 20266 minS1

  In this episode of Finance This, Property That , Dion breaks down a common misunderstanding around using personal cash to fund a property purchase through a company or trust structure. A client believed he had simply used $500,000 of his own cash to purchase land and fund a future rooming house build. Structurally, however, that money may actually be treated as a director's loan , meaning the entity owes that money back to him. That distinction can become extremely important when the project is completed and the investor wants to refinance, release capital and move on to the next deal. Dion explains why lenders may be reluctant to provide unrestricted cash out on commercial and rooming house lending, but may consider funds being released for a clearly documented purpose, such as repaying a director's loan. The critical part is documentation. If the money contributed by the director has not been properly recorded on the balance sheet, it can make the eventual release of those funds significantly more difficult. Dion also explains why the finance strategy for a rooming house should start well before construction begins. Investors need to consider where the original contribution is coming from, how construction will be funded, what the finished lending position looks like and, most importantly, what the exit strategy will be. For investors looking to move from one rooming house project to the next, good structuring can be just as important as finding the right lender. In This Episode Why paying cash into a trust or company may actually create a director's loan What a director's loan means for the entity Why commercial lenders want a clear purpose when releasing cash How a refinance may potentially repay money you originally contributed Why every contribution needs to be properly recorded The importance of having the director's loan shown on the balance sheet Why you should plan the exit before beginning construction How construction finance and the eventual refinance need to work together Why rooming house finance is often a structuring problem, not simply a lending problem How the right funding stack can help position investors for their next project Important: The information discussed in this episode is general in nature and is not accounting or tax advice. Speak with your accountant and relevant professional advisers about your individual circumstances. 00:00 - Introduction and the $500,000 cash example Dion introduces a client who planned to use $500,000 of personal funds to purchase land through a company or trust structure. 01:00 - Why the cash may actually be a director's loan The distinction between personally buying the property and lending money to the entity that owns it. 02:00 - Why this matters when refinancing How rooming house and commercial lenders assess cash-out requests, and why having a legitimate purpose for the funds can matter. 03:00 - No balance sheet record, no release Why personal contributions need to be properly documented and recorded as a director's loan if that is how the funds were provided. 04:00 - Using the refinance to repay your contribution How the completed property refinance may potentially repay the construction lender and some or all of the director's loan, subject to valuation, LVR and lender policy. 05:00 - Structure the exit before starting the deal Why investors should understand their construction funding, contribution strategy and eventual refinance before beginning the project. 06:00 - Building the right rooming house finance strategy Dion discusses Stratega Finance's experience with rooming house construction deals, portfolio planning and creating the right funding stack for future projects. Learn more about Stratega Finance: [www.strategafinance.com.au](http://www.strategafinance.com.au) Follow Stratega Finance: @stratega.finance Connect with Dion Fernandes on LinkedIn.

  ListenShow Notes
• 

  Finance This, Property That

  How We Overcame a $130,000 Rooming House Valuation Shortfall | Stratega Finance - Episode 103

  Aug 5, 20269 min

  A rooming house valuation came in at risk of being approximately **$130,000 below the contract price**—but the deal was not necessarily dead. In this solo episode of *Finance This, Property That*, Dion Fernandes explains why rooming houses are valued differently from standard residential properties and how rental income, market evidence and capitalisation rates can significantly affect the final valuation. Dion breaks down how Stratega Finance worked with an independent property manager, selected an experienced commercial valuer and presented evidence of achievable market rents to support the property’s true income potential. The result? The property was valued at the contract price, allowing the clients to complete the purchase under the original numbers. In this episode: * Why rooming houses are valued based on income * How under-market rents created a potential $130,000 shortfall * Why comparable residential sales carry less weight * The importance of independent rental appraisals * How the right broker and valuer can protect a property deal * Why filling rooms quickly is not always the best financial decision * The importance of beginning with a clear finance strategy A valuation is ultimately an informed opinion. When you have strong evidence, accurate rental data and experienced professionals representing your position, that opinion may be challenged in the right circumstances. Learn more about Stratega Finance: [www.strategafinance.com.au](http://www.strategafinance.com.au) Follow Stratega Finance: @stratega.finance Connect with Dion Fernandes on LinkedIn. The information discussed in this podcast is general in nature and does not take into consideration your personal objectives, financial situation or individual circumstances. ## YouTube Chapters **00:00** Welcome to Stratega Finance **00:28** The rooming house valuation challenge **01:05** Restructuring the clients’ property portfolio **01:48** Purchasing the $1.435 million rooming house **02:25** Why the valuation was potentially $130,000 short **03:12** How rooming houses are valued differently **04:00** How under-market rents affect property value **04:43** Obtaining an independent rental appraisal **05:27** Selecting the right commercial valuer **06:10** Presenting evidence of achievable market rents **06:52** Getting the property valued at contract price **07:20** The biggest lessons for rooming house investors **07:45** Finance strategy, disclaimer and contact details ## Suggested Thumbnail Text **VALUATION $130K SHORT?** Alternative: **HOW WE SAVED THE DEAL**

  ListenShow Notes
• 

  Finance This, Property That

  Episode 102: How to Invest When the Market Is Fearful | Property, SMSFs & Strategy

  Jul 22, 202648 min

  Suggested YouTube Title How to Invest When the Market Is Fearful | Property, SMSFs & Strategy | Ep 102 Part 2 YouTube Episode Description In Part 2 of Episode 102 of Finance This, Property That , Dion Fernandes brings the panel back together to move beyond the proposed budget changes and discuss what investors should actually do next. Joined by experts across property, accounting and financial planning, Dion explores where opportunities may be emerging, how buyers can negotiate more confidently and why fear in the market can create significant buying opportunities for investors who are properly prepared. The panel also takes a detailed look at self-managed super funds and property investment. They discuss when an SMSF property strategy may make sense, why cash flow and sustainability matter, and the dangers of setting one up simply because someone on social media said it was a good idea. The message throughout the episode is clear: slow down, understand your position and make decisions based on facts rather than fear or FOMO. In This Episode • Where property investors may find opportunities in a buyer’s market • Why properties with tenants, finance issues or building defects may be discounted • How buyers can negotiate stronger prices and safer contract terms • Why buying during periods of market fear can create opportunities • The importance of purchasing the right asset, not simply any asset • Debt recycling, ownership structures and long-term investment planning • When purchasing property through an SMSF may make sense • Why negatively geared SMSF properties can create cash flow problems • The servicing and personal borrowing impacts of supporting an SMSF • SMSF compliance, documentation, auditing and ongoing responsibilities • Why an SMSF is not a shortcut into the property market • The risks of rushing into new builds purely for tax deductions • How oversupplied housing estates can create resale and negative equity risks • Why low-deposit buyers need capital growth to refinance successfully • The importance of knowing your borrowing capacity and investment numbers • How to identify advice that may be influenced by commissions or product sales • Why your accountant, finance broker, financial planner and buyer’s agent need to communicate • The most important financial moves investors should consider over the next 30 to 90 days Key Takeaway There is no single strategy that works for every investor. Before buying property, restructuring your finances or establishing an SMSF, understand: • Your current financial position • Your borrowing capacity • The purpose of the investment • The quality and cash flow of the asset • The ownership structure • Your long-term goal • The risks involved • Whether the strategy is sustainable The best investment decisions are based on cold, hard facts rather than emotion, urgency or fear of missing out. Suggested YouTube Chapter Topics Introduction to Episode 102 Part 2 Moving from proposed budget changes to practical solutions. Finding Opportunities in a Buyer’s Market Identifying discounted properties and overlooked opportunities. Negotiating Better Property Deals Why buyers may now have more flexibility around price, finance and building inspections. Buying When the Market Is Fearful Why periods of uncertainty can create opportunities for organised investors. Choosing the Right Investment Strategy Property, shares, debt recycling and selecting the right ownership structure. Should You Buy Property Through an SMSF? When SMSF property investment may be appropriate and when it may not. The SMSF Cash Flow and Servicing Problem Why some SMSF property purchases require ongoing personal contributions. SMSF Compliance and Administration Audits, receipts, reporting obligations and the importance of staying organised. Avoiding SMSF FOMO Why setting up a fund based on social media advice or seminars can be dangerous. The Risk of Buying New Property Tax deductions, oversupply, resale limitations and negative equity. Low-Deposit Loans and Negative Equity Why capital growth is essential for borrowers trying to refinance out of low-deposit schemes. Know Your Numbers Borrowing capacity, affordability, asset quality and investment performance. Build the Right Advisory Team Getting finance, tax, property and investment professionals working together. The Best Move for the Next 90 Days Reviewing your starting position and identifying your logical next step. About Stratega Stratega helps clients make informed finance decisions by looking beyond the immediate loan and understanding the bigger financial strategy. Whether you are buying your first home, investing in property, restructuring debt or planning your next move, the goal is to ensure the finance supports where you want to go long term. The information discussed in this podcast is general in nature and does not take into consideration your personal financial circumstances. Before making financial, property, taxation or investment decisions, seek advice from an appropriately qualified professional. #FinanceThisPropertyThat #Stratega #PropertyInvestment

  ListenShow Notes
• 

  Episode #101

  Episode 101 - Negative Gearing, CGT & Trust Changes: What Property Investors Need to Know

  Jul 15, 202640 min

  Episode Overview In this episode of Finance This, Property That , Dion Fernandes is joined by a panel of experts to unpack the proposed changes affecting property investors, business owners and everyday Australians. Joining Dion are: Morgan – Accountant Troy – Financial Planner Chris – Buyer’s Agent Dion Fernandes – Finance Strategist and Mortgage Broker Together, they examine how potential changes to negative gearing, capital gains tax and trust distributions could affect property structures, borrowing capacity, retirement planning and future investment decisions. Suggested Episode Structure 00:00 – Welcome to the New Stratega Finance Era Dion introduces the newly launched Stratega Finance brand and explains why this conversation will be divided into two parts. 02:00 – Don’t Make Decisions Based on Headlines The panel discusses why investors should avoid restructuring assets or changing strategies before legislation is officially passed. 05:00 – Proposed Trust Distribution Changes Morgan explains the potential introduction of a 30% minimum tax on trust distributions and why the impact could extend well beyond property investors. 09:00 – How Small Business Owners Could Be Affected The discussion turns to family trusts, operating companies, bucket companies and the structures commonly used by Australian small businesses. 13:00 – The Risk of Double Taxation The panel explores how distributions between trusts and companies could potentially result in tax being applied multiple times. 16:00 – Capital Gains Tax and Retirement Planning How proposed CGT changes could affect business owners and mum-and-dad investors who plan to sell assets and contribute the proceeds to superannuation. 20:00 – Has the Property Market Actually Changed? Chris challenges the idea that it is business as usual, explaining how higher interest rates, reduced investor demand and changing sentiment have shifted the market. 24:00 – Where Property Opportunities May Still Exist The panel discusses existing properties with long leases, motivated vendors and situations where reduced competition may create opportunities for prepared buyers. 28:00 – Lender Policy Changes Are Already Happening Dion explains how some lenders have already changed the way they assess negative gearing and rental income, even though the proposed legislation has not yet passed. 31:00 – Borrowing Capacity Has Dropped for Some Investors Removing negative gearing benefits from servicing calculations could reduce borrowing capacity by hundreds of thousands of dollars for certain borrowers. 34:00 – Getting Approved Doesn’t Mean You Should Borrow It The panel discusses responsible lending, sustainable portfolio growth and why choosing the lender offering the highest capacity may damage the investor’s long-term strategy. 36:00 – Why Property Investors Need the Right Team Finance, tax, financial planning and property strategy must work together. A strong result depends on advisors communicating and understanding the complete plan. 39:00 – What Happens Next? Dion previews Part Two, where the panel will move beyond diagnosing the problems and discuss how investors may be able to adapt their strategies.

  ListenShow Notes

Recent guests on Finance This, Property That. Study who booked and why before you pitch.

Based on semantic analysis of episode topics and host coverage, this show is a strong guest fit for executives in:

Industry fit is computed by PitchCentric using vector embeddings of the show's episode catalog.