A finance strategist for the long game. Not the next loan. The next ten.
I am Dion Fernandes. After seventeen years in finance and more than two hundred investor clients, my job is not to get you a loan. My job is to structure what comes after it.
To empower financial legacies. For generations.
A portfolio is not built by stacking one purchase on top of another. It is built by sequencing each move so the one before earns the next.
Every client engagement runs through the same structural rules. The deals look different. The thinking does not.
The loan product is the last decision. The structure of ownership, security and serviceability is the first. Most brokers reverse this. That is why most investors stall at property two.
A loan written without the third move in mind is a loan that caps you at two. Every settlement is a sequenced step. Not a standalone transaction. The order is the methodology.
Every lender has its own policy, its own appetite, its own way of reading the same client. Specialist assets belong with lenders that understand them. Personal lending belongs where the calculator treats you fairly. Spreading the portfolio across the right lenders is how you stay diversified, flexible and unexposed to any single bank's policy changes.
Your borrowing position is a fixed pool that lenders assess against income, liabilities and policy. It does not grow because we put it in a structure. The job is to deploy it deliberately. Choose the right asset, in the right order, at the right time, so every settlement moves the portfolio forward rather than spending capacity on the wrong move.
The short version of how a finance strategist gets built.
Joined CBA as the entry point into the industry. Spent the next decade learning lending from the inside. Credit, structuring, complex deals, the policy edges most brokers never see.
A self-employed client running multiple structures and two investment properties. Restructured the position and helped them grow from two to five properties in twelve months. That deal showed what was possible when structure came before product. The whole portfolio blueprint thinking started there.
Into broking with access to forty plus lenders. The structural thinking finally had room to operate. Every year since has been about refining the same craft. Better questions, better sequencing, better outcomes.
No existing client book. No safety net. Sold the car to keep things moving. Still a single dad, with school pickups and a business to rebuild at the same time. Adam took a chance on me. I took the chance and ran. Within twelve months the niche was clear, the approach was sharper and there were two staff members on the team.
A weekly podcast for serious investors and business owners. Conversations on structure, finance and property strategy. One hundred plus episodes and still growing.
100+ EpisodesCodified what was working into a system every client now runs through. Finance Strategy. Portfolio Roadmap. Strategic Partnership. Three stages. One sequenced architecture.
Stratega Finance · Founded118 loans submitted. 115 settled. A 97 percent conversion rate earned the national Productivity Award at the Australian Mortgage Awards. The recognition matters. The settlements matter more.
AMA + BankWest · Broker of the YearThe short version is here. The full story behind the awards lives on the awards page.
The full story behind each award. What it means, what it takes, who else has won it. All on the dedicated awards page.
See the Awards Page →
After more than a decade, the work has not changed shape. A client walks in. They have income, equity and a goal that does not fit a single transaction. The job is to translate that into a structure that can carry the goal.
When I am not in client work, I am usually on the podcast, with my family or thinking about the next sequence. Seventeen years in and the questions are still the most interesting part.
A 15-minute fit call with our team. No pitch, no obligation. A conversation about where you are, where you want to be and whether we are a fit.