🔊 Top Quotes

1. "If you're chasing rate as your number one priority, just go directly to the bank—you'll spin your wheels chasing cheap money instead of the funding stack that actually gets you the deal."
2. "When you're dealing with the same deal type and client type repeatedly, your ability to deliver refined, fast strategies becomes your biggest advantage."
3. "A fixed rate gives you certainty—but over time, you’re paying for that certainty. Flexibility can be far more valuable when you're building a portfolio."

🎧 Episode Synopsis

In this no-fluff solo episode of Finance This, Property That, Dion Fernandez breaks down one of the most asked questions in today’s market: Should you fix, split, or keep your mortgage variable? With rates stabilizing and sharp fixed options returning, the conversation around loan structure is heating up. Dion unpacks the pros and cons of each setup, the hidden traps banks don’t always disclose, and how your choice today impacts refinancing, equity access, and long-term property portfolio growth. Whether you're in acquisition mode or locking down your assets, this episode offers strategic insight tailored for serious investors.

📘 Episode Breakdown

00:00 – Intro & Market Context
Dion introduces the episode and explains the recent surge in questions around fixed vs variable loans due to stabilizing interest rates and new fixed options entering the market.

01:30 – The Core Question: Fix, Variable, or Split?
He dives into what each structure means, what the banks won’t tell you, and how they each impact your cash flow and flexibility.

03:10 – Breaking Down Fixed Rates
Explores the pros (certainty) and cons (less flexibility, higher long-term costs, early repayment penalties). Also touches on the lack of offset accounts and the danger of being stuck with one bank's policy.

04:40 – Why Variable Often Wins for Investors
Dion explains how variable rates allow for flexibility, multiple offsets, debt recycling, and easier access to equity—essential tools for a growing portfolio.

05:30 – When a Fixed Rate Does Make Sense
For those not looking to purchase more property or seeking short-term certainty, a fixed rate (or a split) could be a strategic move—especially when paired with an exit strategy.

06:40 – The Power of the Split
Combining fixed and variable elements can give investors the best of both worlds when used thoughtfully and timed right.

07:15 – How to Choose the Right Setup
Dion emphasizes the importance of personal context: Are you acquiring, holding, or winding down your portfolio? It’s not a one-size-fits-all.

07:45 – Final Thoughts & Contact Info
He wraps up with a reminder that these are general insights and encourages listeners to reach out for tailored advice via Instagram, LinkedIn, or the podcast’s website.

⏱️ Duration

Duration: 8:00