/ 02 · The Approach
Three Stages
One Sequenced Architecture
How We Work

Finance first. Property second. The order matters.

Most brokers sell property strategy as the first conversation. We do not. The finance has to be honest before the property can be ambitious. Three stages, sequenced. Each one earns the next.

StructureLeverageLegacy
The Stratega Sequence

Five steps. One framework.

Every client follows the same path. The order is the methodology.

Step 01
Discovery
A 30-minute Discovery Call with Dion. No numbers. No rates.
Step 02
Finance Strategy
Debt structure, borrowing capacity, written strategy.
Step 03
Property Plan
Portfolio roadmap built on the finance foundation.
Step 04
Execute
Loan implementation. Settlement. Coordination.
Step 05
Repeat
Each acquisition compounds. The portfolio scales.
i.   Stage 02 of the Sequence Where every client starts
Finance Strategy

The foundation
everything sits on.

This is the conversation everything else is built on. Before a single property is discussed, we map exactly what your position can carry: your debt, your equity and your true borrowing capacity across every lender on our panel, not only the one with the sharpest rate this month.

Then we pressure-test it against where you actually want to be in five, ten, twenty years. Which lender order keeps your capacity open. Which structures protect the next purchase instead of capping it. Where your equity sits and how to move it without cross-securing yourself into a corner.

You walk away with a written strategy, not a loan recommendation. An honest read of where you stand, how far you can realistically go and the exact structure required to get there. Get this right and every purchase after it compounds. Get it wrong, and the third deal is where most investors quietly stall.

  • One-on-one Finance Strategy session with Dion
  • Debt structure review and optimisation
  • Borrowing capacity analysis across the full lender panel
  • Equity position mapping across all properties
  • Self-employed, trust, company and SMSF positions structured for lender policy
  • Written strategy document with goal alignment
  • Delivered within two weeks of discovery call
The Stratega Guarantee

You will leave knowing exactly where you stand and exactly what to do next, or your fee will be refunded in full.

Dion Fernandes Founder · Stratega Finance
The Investment · Stage I
A fixed fee, scoped to your structure

The Finance Strategy is a fixed professional fee, set to the complexity of your position. A straightforward PAYG restructure and purchase sits at one level. Self-employed, trust, company and SMSF positions carry deeper work. So do development, commercial and rooming-house structures. Each is quoted accordingly.

You will know the exact fee, in writing, before any work begins.

Two-week turnaround. An initial deposit secures your place; the balance is settled before your strategy is delivered. The fee is credited toward your Portfolio Roadmap if you continue to Stage II.

Book a Call →
ii.   Stage 03 of the Sequence After Finance Strategy completes
Portfolio Roadmap

The ten-to-thirty year
portfolio plan.

This is not the first conversation. The Portfolio Roadmap is offered after your Finance Strategy is complete and your loan has been approved. By that point, we know each other. The numbers are real. The structure is in motion.

Now we build the long view. Which asset class next. In which entity. At which point in the cycle. We coordinate with our partner network: buyer's agents, accountants, financial planners. The roadmap aligns your finance, your tax position and your acquisitions into one plan that compounds.

  • Property Strategy session with specialist partners
  • 10 to 30 year portfolio roadmap
  • Scenario modelling for sell vs hold, rate changes, structure changes
  • Trust, SMSF and company structure modelling
  • Partner network introductions to buyer's agents, accountants, solicitors
  • Lifetime portal access with automated equity-growth alerts
The Stratega Guarantee

You will leave with a clear property plan, the logical next purchase, how many it will take to reach your target, whether you can reach your goal and the sequence to get there. Or your fee is refunded in full.

Dion Fernandes Founder · Stratega Finance
Engagement · Stage II
Portfolio Roadmap · Fixed Fee
$6,000 inc GST

By invitation, after Finance Strategy completes.

Annual review and continuation at a recurring fee, locked at signing. Your Finance Strategy fee is credited against this engagement on upgrade.

Start with a Finance Strategy →
iii.   Stage 04+ of the Sequence By invitation · Capped at 10 clients
Strategic Partnership

The long-term
finance partnership.

For clients building four-plus property portfolios who want Dion as their long-term finance partner. Not a broker on the next deal. A strategist who knows the structure, knows the goals and is the first call when anything moves.

Quarterly strategy touchpoints. Proactive alerts, Dion contacts you first when a refinance, a structural change or a new opportunity is worth a conversation. Priority access. Direct line. Annual recurring relationship.

  • Quarterly strategy touchpoints with Dion
  • Proactive alerts. Dion contacts you first
  • Priority access and direct line
  • Full coordination across your specialist team
  • Annual portfolio review and roadmap refresh
  • Capped at 10 clients
The Stratega Partnership Promise

You will never be the last to know about a move worth making on your portfolio. We bring the conversation to you, or the seat is yours, no obligation, for another year.

Dion Fernandes Founder · Stratega Finance
Engagement · Stage III
Strategic Partnership · Annual
By invitation

Annual recurring relationship. Locked at signing.

Offered after the second or third property has settled under our guidance. The trust, the data and the relationship are already in place. We open this conversation. You do not need to ask for it.

Start with a Finance Strategy →
Why This Order
You cannot map the right portfolio
until you know what your structure
can carry.
·  The Stratega Principle
i.The Common Path

Most clients come to us with a property in mind. Most leave the discovery call having parked it. Not because the property was wrong. Because the finance underneath it was not honest yet. Most brokers run the conversation the other way around. They take a property brief, find a loan, settle the deal. The optimisation works for one transaction. It often costs the next three.

ii.The Stratega Path

We do not sell product. We design the architecture. The loan comes after the architecture is right. So does the property. So does the portfolio. And so does the legacy. Structure first. Strategy second. Leverage third. That is the order. That is the methodology. That is the way legacies are built.

Why this methodology exists

To empower financial legacies. For generations.

The three stages above are the means. The vision is the end. Every structure we engineer is weighed against a horizon longer than the next purchase.

The Artefact

The Strategy Paper. What lands on your desk.

Every engagement produces a written document, not a conversation you have to remember. Eighteen pages that name where you stand, what constrains you, the structure that fixes it and the sequence that follows. This is the actual table of contents from a paper delivered to a Brisbane client in June 2026.

  • Current Financial Snapshot
  • Key Constraints Identified
  • Equity Position Analysis
  • Strategic Recommendation
  • Loan Structure
  • Next Acquisition Strategy
  • Sequencing Plan
  • Risk Management
  • Implementation Plan
  • Trusted Advisers

Pages shown are from a real client paper. Names, lenders and figures are anonymised. Yours is built from your numbers.

Stratega Finance Strategy Paper cover page, anonymised
Strategy Paper loan structure and sequencing plan page with figures anonymised
Before You Book

Questions investors ask first.

What does "finance first, property second" actually mean?

It means we design your finance structure before you choose a property. Most investors work the other way around and let a single purchase decide the loan. We map what your structure can carry first, then the property and the portfolio follow. Get the order right and every purchase after it compounds.

What are the three ways to work with Stratega?

Three engagements. The Finance Strategy is a tailored piece of work priced to your situation. The Portfolio Roadmap is a full written architecture for $6,000 including GST. The Strategic Partnership is an annual relationship for investors building four or more properties who want Dion as their long term finance partner.

What happens on the first call?

A 15-minute fit call with our team about where you are, where you want to go and whether we are a fit. No pitch and no obligation. If it is a fit we book you a Discovery Call with Dion. If it is not we will tell you.

What do I walk away with?

A written strategy, not a loan recommendation. An honest read of where you stand, how far you can realistically go and the exact structure required to get there. The roadmap is yours to keep whether or not we work together again.

How soon do I get my strategy?

Your Portfolio Roadmap is delivered within two weeks of your strategy call. Complex structures can take a little longer and we will tell you up front if yours is one of them.

Do you work with self-employed income, trusts or SMSF structures?

Yes. Self-employed professionals, trust structures and SMSF lending are core to what we do. Complex income and ownership structures are exactly where sequencing matters most, and where the wrong structure quietly caps how far you can go.

Do I need to be in Brisbane to work with you?

No. Stratega is Brisbane based and services clients nationally. The work happens over call and screen wherever you are in Australia.

Do you compete on interest rate?

No. We compete on outcomes. Rate is one input. The structure underneath your portfolio decides how many moves you can make and how far the portfolio can travel across a generation.

Still weighing it up? Book a Call and ask in person.

Begin the Conversation

Ready to build your portfolio with intent?

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.

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15 Minutes
No Pitch
By Appointment