Episode Synopsis:
In this solo episode of Finance This Property, That, host Dion Fernandez explores the power of smart debt structuring. Speaking directly to high-income, time-poor professionals, Dion explains why aggressively paying off debt may not always be the best strategy—especially when it comes to tax-deductible investment loans.

He walks through practical examples and a clear framework to help listeners understand how structure can directly impact cash flow, tax efficiency, and long-term property investment success. If you’re looking to grow your portfolio without sacrificing your borrowing power or financial goals, this episode is packed with valuable, actionable insights.

Episode Breakdown:
00:00 – Introduction
Dion sets the stage, emphasizing the importance of debt strategy for professionals.

01:00 – The Misconception of Paying Off Debt Fast
Distinguishing between tax-deductible and non-deductible debt.
Why paying down investment loans may hinder tax benefits.

03:00 – Impact of Structure on Outcomes
Using multiple offset accounts vs. redraw facilities.
Optimizing repayments to reduce non-deductible debt.

06:00 – Real-World Structuring Example
Strategy for converting an owner-occupied home into an investment property.
How offset accounts preserve deductibility.

08:30 – Advanced Structuring and Planning
When to consider trusts and other entities.
Key questions to define your strategy: tax, ownership, and exit plans.

10:00 – Final Takeaways

Don’t treat all loans the same—each has a job.
Call to action for professionals ready to restructure for better results.

In this episode of Finance This Property That, host Dion Fernandez reunites with the expert panel—Adam, Simon, and Roddy—for a packed discussion on game-changing financial strategies, recent lending policy updates, and behind-the-scenes wins. From celebrating award accolades to unpacking the latest on bridging loans, HEX debt changes, and rent-a-room policies, the team offers valuable insights for home buyers, investors, and anyone navigating today’s real estate market. With a touch of humor and a lot of expertise, this is your go-to episode for smarter property finance decisions.

🧭 Episode Breakdown:

• 00:00–04:00 | Welcome back to the panel; missing member Luke and big congratulations
• 04:01–08:30 | Emerge wins “Best Boutique Non-Franchise Brokerage” + Broker of the Year
• 08:31–14:45 | HEX debt policy changes and their impact on first home buyers
• 14:46–20:15 | Self-employed lending updates: one-year income policies and tax strategies
• 20:16–25:50 | Broker–accountant collaboration: getting financials loan-ready
• 25:51–31:00 | Rent-a-room policy and its effect on borrowing capacity
• 31:01–41:30 | Bridging loans demystified: pros, policy updates, and client scenarios
• 41:31–46:00 | Market momentum, interest rate cuts, and fixed rate trends
• 46:01–51:00 | Technology in banking: digital ID, virtual cards, and multi-offset accounts
• 51:01–55:00 | Team wins, client success stories, and growing expertise at Emerge

✨ Why Listen:
Gain real, actionable insights on the latest in mortgage lending—from reducing HEX debt impact to navigating bridging loans with confidence. Whether you're a first-time buyer, investor, or planning a property upgrade, this episode arms you with the strategies and policy know-how to make smarter financial moves.

🎙️ Episode Synopsis:

In this solo episode of Finance This, Property That, mortgage planner and finance expert Dion Fernandez shares a behind-the-scenes look at how two high-income professionals—a doctor and an engineer—broke free from financial stagnation caused by rigid bank lending policies. Dion walks listeners through their journey, explains why going directly to a bank can limit your options, and reveals how brokers can use tailored lending strategies, multiple policies, and smart structuring to unlock true borrowing potential. If you're a time-poor professional aiming to grow your property portfolio, this episode will challenge how you think about debt and lending.

📌 Episode Breakdown:

00:00 – 01:30 | Welcome & Mission

• Dion introduces the show and his mission to build financial legacies.
• Explains the episode's focus on client journeys and key lessons for professionals.

01:30 – 04:30 | Why Banks Can’t Always Help You Scale

• How banks assess lending risk vs. how brokers operate.
• The limitations of working with just one lender and a single lending policy.
• Introduction to cross-collateralization and inflexible debt structures.

04:30 – 08:00 | A Client Case Study: Doctor & Engineer

• The couple’s challenges: cross-collateralized loans and borrowing limits.
• How Dion unlocked their borrowing potential using policy-specific strategies:
  • LMI waivers for essential service workers.
  • 100% income recognition and salary sacrifice add-backs.
• Revalued properties, released equity, and tailored structuring.

08:00 – 10:30 | From Stuck to Strategic: The Outcome

• Successfully moved from 2 to 6 properties in under 6 months.
• Set up purchases through trusts and SMSFs.
• The importance of matching loan policy with purpose and long-term goals.

10:30 – 12:00 | Final Advice & Call to Action

• Questions you must ask before relying solely on a bank:
  • Are they aligned with your goals?
  • Do they offer flexibility and growth potential?
• Why partnering with a knowledgeable broker can accelerate your financial journey.
• How to connect with Dion for a free discovery call.

🎯 Perfect for: Time-poor professionals (doctors, engineers, lawyers) looking to grow their property portfolios and escape the limitations of traditional banking.