100+ episodes on debt strategy, property cycles and the long hold. Hosted by Dion Fernandes. New episodes weekly. Available everywhere you listen.
The Podcast
The conversation that turns mortgage detail into property strategy. Released weekly, in two flavours.
One topic at a time. Debt recycling. Trust structures. Self-employed serviceability. Cross-securing. Each episode unpacks the structural decisions that determine whether a portfolio scales or stalls.
Buyer's agents, accountants, property managers and clients who have built real portfolios. The unedited version of how property and finance fit together in the field, not in theory.
Full written notes for the latest twenty episodes, led by the milestone: what each conversation covers, the key questions it answers and where to listen. Everything earlier lives on YouTube and Spotify.
The founder story. Why Dion walked away from the familiar, the four lessons from years of investor work and the philosophy behind Structure. Leverage. Legacy.
With clients Sean and Nicole. Told not yet, two years of preparation, then two investment purchases in less than 12 months.
The three questions behind a finance strategy, why calculators mislead, when to buy, restructure or hold and why certainty wins negotiations.
Part two with Joel and Bianca from ECHO Property. Funding a development, structure before purchase, council approvals and unexpected costs.
With Joel and Bianca from ECHO Property. Rooming houses, subdivisions and duplexes, why feasibility and contingency matter and why finance comes before the site.
Told to wait two years for better tax returns? Why exit, costs, funding, value, split and entity come before the next purchase.
Three real client examples of equity held back by loan structure: sequencing a portfolio, correcting a loan split and uncrossing securities at refinance.
The people who research, test and manage each client strategy, and why a team pressure tests a structure better than one person working alone.
Why lenders assess income as well as assets, the timing trap self-employed investors walk into when they slow down and why access to funds is arranged before it is needed.
With Scott Knight of Motorlend. What asset finance really funds, why the structure outlives the asset and what sits behind a headline rate.
Why cash paid into your own company or trust may be a director’s loan, and what that means when the completed rooming house is refinanced.
Why rooming houses are valued on income, how under-market rents created the gap and what evidence brought the number back to the contract price.
Part two of the panel. Where opportunity sits in a buyer's market, how to negotiate from a stronger position and when a self managed super fund genuinely belongs in a property strategy.
A panel with an accountant, a financial planner and a buyer's agent. The proposed changes, what they could mean for structures and borrowing capacity, and why not to act on headlines.
The recap before the milestone. One-stop shop conflicts, buying without a roadmap, lender sequencing and why a strategy is not the same thing as a loan.
With Rachel Gibb of UpsideAV. Tenant mix, vacancy risk, insurance, operating costs and how below-market rents flow into valuations and finance.
The number is a snapshot, not a roadmap. Lender sequencing, debt structure and a case study that turned restructured debt into an $895,000 war chest.
Purchase one is the foundation, not the finish line. The three questions every first purchase must answer and a client example that manufactured around $400,000 in equity.
With Luke and Jem Corrish. A real first purchase twelve months on: co-ownership agreements, negotiating after building and pest and renovating for equity.
Cross-collateralised loans, lender loyalty, poor sequencing, buying without a number and siloed advice. The five structural traps, named.
Earlier episode notes, still here to read:
Looking for earlier conversations? Episodes 1 to 78 of the back catalogue live in full on YouTube and Spotify, from first-purchase foundations to trust lending deep-dives.
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