Episodes

  • Episode 101 - Negative Gearing, CGT & Trust Changes: What Property Investors Need to Know

    Episode 101 - Negative Gearing, CGT & Trust Changes: What Property Investors Need to Know
    Jul 15 2026

    Episode Overview

    In this episode of Finance This, Property That, Dion Fernandes is joined by a panel of experts to unpack the proposed changes affecting property investors, business owners and everyday Australians.

    Joining Dion are:

    • Morgan – Accountant
    • Troy – Financial Planner
    • Chris – Buyer’s Agent
    • Dion Fernandes – Finance Strategist and Mortgage Broker

    Together, they examine how potential changes to negative gearing, capital gains tax and trust distributions could affect property structures, borrowing capacity, retirement planning and future investment decisions.

    Suggested Episode Structure

    00:00 – Welcome to the New Stratega Finance Era
    Dion introduces the newly launched Stratega Finance brand and explains why this conversation will be divided into two parts.

    02:00 – Don’t Make Decisions Based on Headlines
    The panel discusses why investors should avoid restructuring assets or changing strategies before legislation is officially passed.

    05:00 – Proposed Trust Distribution Changes
    Morgan explains the potential introduction of a 30% minimum tax on trust distributions and why the impact could extend well beyond property investors.

    09:00 – How Small Business Owners Could Be Affected
    The discussion turns to family trusts, operating companies, bucket companies and the structures commonly used by Australian small businesses.

    13:00 – The Risk of Double Taxation
    The panel explores how distributions between trusts and companies could potentially result in tax being applied multiple times.

    16:00 – Capital Gains Tax and Retirement Planning
    How proposed CGT changes could affect business owners and mum-and-dad investors who plan to sell assets and contribute the proceeds to superannuation.

    20:00 – Has the Property Market Actually Changed?
    Chris challenges the idea that it is business as usual, explaining how higher interest rates, reduced investor demand and changing sentiment have shifted the market.

    24:00 – Where Property Opportunities May Still Exist
    The panel discusses existing properties with long leases, motivated vendors and situations where reduced competition may create opportunities for prepared buyers.

    28:00 – Lender Policy Changes Are Already Happening
    Dion explains how some lenders have already changed the way they assess negative gearing and rental income, even though the proposed legislation has not yet passed.

    31:00 – Borrowing Capacity Has Dropped for Some Investors
    Removing negative gearing benefits from servicing calculations could reduce borrowing capacity by hundreds of thousands of dollars for certain borrowers.

    34:00 – Getting Approved Doesn’t Mean You Should Borrow It
    The panel discusses responsible lending, sustainable portfolio growth and why choosing the lender offering the highest capacity may damage the investor’s long-term strategy.

    36:00 – Why Property Investors Need the Right Team
    Finance, tax, financial planning and property strategy must work together. A strong result depends on advisors communicating and understanding the complete plan.

    39:00 – What Happens Next?
    Dion previews Part Two, where the panel will move beyond diagnosing the problems and discuss how investors may be able to adapt their strategies.
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    40 mins
  • Episode 100: From Mortgage Broker to Founder - Why I Launched Stratega Finance

    Episode 100: From Mortgage Broker to Founder - Why I Launched Stratega Finance
    Jul 8 2026

    What does it take to reach 100 podcast episodes, build an award-winning mortgage broking career and then walk away from the familiar to start something of your own?

    In this milestone episode of Finance This, Property That, Dion shares the complete founder story behind Stratega Finance.

    After more than a decade of working towards this moment, Dion explains why he made the decision to leave Emerge Finance, the people who helped shape his career and the vision driving the next chapter.

    This is not a story about something being wrong with the past.

    It is a story about becoming clear on the future.

    Dion breaks down the four biggest lessons he has learned from helping property investors and business owners build their portfolios:

    ✅ Why structure beats rate every time

    ✅ Why property is ultimately a finance game

    ✅ How the right structure can compound across generations

    ✅ Why clients who think long-term often outperform those looking for fast results

    He also introduces Stratega Finance and the philosophy behind its name:

    Strategy. Leverage. Legacy.

    Strategy comes first because debt needs to be structured correctly before anything can compound.

    Leverage is about using the right debt against the right assets to grow wealth responsibly.

    Legacy is about building something that continues beyond your own lifetime.

    Dion also explains the Stratega Finance process, including why every client begins with a detailed finance strategy before an application is submitted.

    By the end of that strategy process, clients should understand:

    • Their borrowing capacity across different lenders

    • The recommended lending structure

    • Their logical next move

    The episode also explores the three things every investor needs to continue growing: income, available cash or equity and a clean credit file.

    Surrounding those foundations are your finance strategy, property strategy and the team supporting the journey.

    Dion shares a real client example involving a couple who moved from two properties to five in under two years by working backwards from their long-term goal, structuring each purchase carefully and assembling the right professional team.

    This episode is about much more than launching another mortgage broking firm.

    It is about backing yourself, building without regrets and creating financial legacies that can continue for generations.

    Welcome to Stratega Finance.

    The podcast continues.

    The team continues.

    The strategy is only getting stronger.

    Please remember that the information discussed in this podcast is general in nature and does not take into consideration your individual financial circumstances.
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    24 mins
  • Episode 99: The Strategy Lessons Investors Can’t Afford to Miss

    Episode 99: The Strategy Lessons Investors Can’t Afford to Miss
    Jun 30 2026

    In the lead-up to Episode 100, this special recap episode of Finance This, Property That looks back at the biggest lessons from the last 10 episodes.

    Dion breaks down the difference between a true finance strategy and simply getting a loan, why the “one-stop shop” model can create serious conflicts of interest, and why investors need independent specialists around them if they want to avoid costly mistakes.

    From wrong ownership structures and serviceability walls to poor due diligence, weak property management and lender sequencing issues, this episode brings together the key messages every property investor needs to understand before making their next move.

    If you are buying without a number, without a roadmap, or without a team that is actually communicating, this episode is a reminder that property investing is not about collecting assets. It is about building the right structure, in the right order, with the right people around you.

    Episode Breakdown with Approximate Timestamps

    00:00 – The problem with the “one-stop shop” model
    Dion opens the episode by explaining why vertically integrated property businesses can create conflicts of interest, and why independent specialists are so important.

    03:00 – Why Dion does not tell clients what to buy
    The episode covers the role of a finance strategist, why Dion does not act as a buyer’s agent, and how the right team of specialists should work together.

    06:00 – The three questions every strategy needs to answer
    Dion breaks down the importance of knowing your end goal, what your finance structure can support, and whether your team is actually aligned.

    09:00 – The hidden cost of getting advice too late
    A key lesson from the recap is that many investors only seek proper advice after the damage is done, whether that is the wrong structure, a serviceability wall or an equity problem.

    12:00 – Why cheap or free advice can become expensive
    The conversation shifts into the importance of paying for the right solicitor, buyer’s agent, building and pest inspector, property manager and finance strategist.

    15:30 – Strategy versus simply getting a loan
    Dion explains why a finance strategy is not the same thing as writing a loan, and why every property purchase needs a clear purpose behind it.

    18:00 – The value of being told “no”
    The episode highlights why good advisers are willing to challenge clients, say no when needed, and give context behind every strategic decision.

    20:30 – Buying without a number or roadmap
    Dion recaps one of the biggest mistakes investors make: buying property deal by deal without knowing the end goal, income target or future portfolio roadmap.

    23:00 – Why your first property sets the foundation
    The discussion moves into first-home buyers and why the first purchase should not just be treated as a goal, but as the foundation for future purchases.

    25:30 – Lender sequencing and borrowing capacity
    Dion explains how choosing the wrong lender or structure early can limit future borrowing capacity, and why sequencing matters across multiple purchases.

    27:30 – Case study: using structure to unlock the next moves
    The episode covers a practical example involving debt restructuring, equity release, rooming house strategy, cash flow and setting up future purchases.

    29:30 – Rooming house management and due diligence
    The recap closes with lessons around rooming house property management, entry condition reports, photographic evidence, defects, tenant management and why care factor matters.
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    31 mins
  • Episode 98: The Rooming House Management Gap

    Episode 98: The Rooming House Management Gap
    Jun 21 2026

    In this episode, Dion is joined by Rachel Gibb from UpsideAV to unpack what investors often overlook after building or buying a rooming house — the management.

    Rooming houses are not managed like standard residential properties. With multiple tenants, shared spaces, utilities, house rules and separate leases, the wrong management approach can quickly impact vacancy, tenant harmony, rental income and long-term yield.

    Dion and Rachel also discuss recent changes in the Brisbane rooming house space, the importance of tenant selection, operational cost reviews, insurance, valuation, and how the right finance and property management team can protect the overall investment strategy.

    They also share a real client example where a rooming house was rented under market value before settlement, creating potential valuation and finance issues — and why having the right people involved made all the difference.

    Key Topics

    Rooming house management vs standard residential management
    Why tenant mix matters
    Protecting rental yield
    Vacancy and break lease risk
    Insurance and operating costs
    Brisbane rooming house changes
    Valuation and finance structure
    Why cheap advice can cost more later

    Key Takeaway

    A rooming house is more than a high-yield asset. To make it work long term, you need the right structure, the right management, the right insurance and the right team around you. Dion and Rachel explain how poor management can undo months of work and impact the investor’s overall strategy.

    Short Social Caption

    You can get the build right and still get the strategy wrong.

    In this episode of Finance This, Property That, Dion sits down with Rachel Gibb from UpsideAV to talk about the rooming house management gap.

    From tenant selection and vacancy risk to insurance, operating costs, valuation and finance structure — this episode breaks down why the right team matters after the build is complete.

    #FinanceThisPropertyThat #PropertyInvestment #RoomingHouse #PropertyManagement #PropertyFinance #BrisbaneProperty #AustralianProperty #InvestmentStrategy
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    55 mins
  • Episode 97: Why Borrowing Capacity Is Misleading Property Investors

    Episode 97: Why Borrowing Capacity Is Misleading Property Investors
    Jun 14 2026

    Episode Synopsis

    In this solo episode of Finance This, Property That, Dion breaks down one of the most misunderstood concepts in property investing: borrowing capacity.

    While many investors obsess over how much they can borrow today, Dion explains why that number is only a snapshot in time-not a roadmap for building long-term wealth. Through real client examples, he demonstrates how lender sequencing, debt structuring, and strategic planning can dramatically influence an investor's ability to scale a portfolio over the next five to ten years.

    This episode is a must-listen for anyone looking to build a property portfolio, avoid common lending mistakes, and understand why strategy-not borrowing power-is the true driver of wealth creation.

    ⏱️ Episode Breakdown
    0:00 – 1:30 | Why Borrowing Capacity Is the Wrong Question
    The most common question investors ask
    Why borrowing capacity is only one piece of the puzzle
    The difference between a number and a strategy

    1:30 – 3:00 | Borrowing Capacity Is a Snapshot
    Why borrowing capacity only reflects today's position
    How two investors with identical borrowing power can have vastly different outcomes
    The role strategy plays in future portfolio growth

    3:00 – 5:00 | The Lender Sequencing Problem
    One of the biggest mistakes investors never see coming
    How using the wrong lender today can limit options tomorrow
    Why transactional lending can hurt long-term wealth creation

    5:00 – 7:30 | Real Client Case Study
    Restructuring owner-occupied debt through debt recycling
    Creating an $895,000 investment war chest
    Why the rooming house had to be purchased first
    Using trust structures and cash flow strategically

    7:30 – 8:45 | Manufacturing Equity & Yield
    Combining renovation strategies with cash flow improvements
    Creating value through sequencing and execution
    Turning a modest portfolio into a multi-million-dollar wealth plan

    8:45 – 10:00 | What Borrowing Capacity Should Actually Tell You
    Understanding your borrowing ceiling
    Why preserving options beats maxing out borrowing power
    The difference between investors who stagnate and investors who continue scaling

    Key Takeaways

    ✅ Borrowing capacity is a starting point-not a strategy.

    ✅ The order in which you use lenders matters.

    ✅ Finance decisions should be made with future purchases in mind.

    ✅ Debt structuring and sequencing can dramatically impact long-term outcomes.

    ✅ The most successful investors think 3–5 steps ahead.
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    10 mins
  • Episode 96: The First Property Mistake That Stops Investors Growing

    Episode 96: The First Property Mistake That Stops Investors Growing
    Jun 7 2026
    Why Your First Property Can Make or Break Your PortfolioIn Episode 96 of Finance This, Property That, Dion takes the mic for a solo episode focused on one of the biggest mistakes property investors make early in their journey: treating the first property purchase as the goal, instead of the foundation.Dion explains why your first home or first investment property can shape every decision that follows. From the lender you choose, to the way repayments are structured, whether you pay lenders mortgage insurance, how you use equity, and whether the purchase supports or slows down the next one — property one can either open doors or quietly close them.This episode breaks down why first-time buyers and early-stage investors need to think beyond simply “getting into the market.” Dion shares why it is so important to have the right broker, accountant and buyer’s agent working together from the start, and why your first purchase should be aligned with the bigger picture of where you want your portfolio to go.Dion also shares a real client example where the right strategy, lending policy and property selection helped manufacture around $400,000 in equity, allowing the client to move from their first home into their first investment property with a clear plan already in place for property three.For anyone who feels like they may have bought their first property without the right structure, Dion explains that it is not necessarily fatal — but it does require a full portfolio review before making the next move. The key message is that investors often get stuck not because they bought the wrong property, but because no one helped them choose the right structure or build the right team around them.In this episode, Dion covers:Why your first property sets the structure for everything that followsHow purchase one can open or close the door to purchase twoWhy getting into the market is not enough without a long-term planThe importance of choosing the right lender for where you are going, not just where you are nowWhy your accountant, broker and buyer’s agent need to be alignedThe three key questions every first purchase needs to answerHow the wrong finance structure can slow down your portfolio growthWhat to do if your first property was not structured correctlyWhy a full portfolio review matters before buying againHow Dion’s Portfolio Blueprint helps connect the finance strategy with the property strategyWhy the right team can make the process smoother, faster and more strategicApproximate episode timestamps00:00 — IntroductionDion introduces the topic of why the first property or first investment property is such an important decision.00:45 — Why the first purchase mattersDion explains how the first property sets the structure for future decisions, including lending, repayments, LMI, renovations and equity use.02:00 — Property one is the foundation, not the finish lineThe episode explores why first-time investors need to stop thinking of the first purchase as the goal and start treating it as the foundation of a portfolio.03:00 — The three questions every first purchase needs to answerDion outlines the key questions around lending structure, lender choice, and whether the accountant, broker and buyer’s agent are working together.04:15 — The importance of having the right teamDion explains why many first-time buyers are under pressure, overwhelmed by grants, competing with other buyers, and often missing the strategic support they need.05:00 — Real client example: manufacturing equityDion shares a client example where the right location, policy, renovation strategy and lending structure helped create around $400,000 in equity.06:30 — What if purchase one was structured wrong?Dion explains that a poor first structure is not always fatal, but it does require a proper portfolio review before the next move.07:30 — Final thoughtsDion wraps up with the reminder that investors often get stuck because no one helped them build the right structure or team from the beginning.Key listener takeawaysYour first property should not be treated as a one-off transaction. It should be treated as the foundation of your future portfolio.The wrong lending structure may not hurt immediately, but it can create problems when you try to buy the next property.Choosing the right lender is not just about the best option today. It is about whether that lender supports where you are trying to go.A broker, accountant and buyer’s agent should not be working in isolation. When they understand the same strategy, the whole process becomes clearer and more effective.If your first property was not structured correctly, it does not mean the journey is over. But it does mean you need to review the full picture before making the next move.
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    9 mins
  • Episode 95: Buying With a Mate: How Jem Built Equity, Renovated Smart and Got Into the Property Market

    Episode 95: Buying With a Mate: How Jem Built Equity, Renovated Smart and Got Into the Property Market
    May 31 2026
    In this episode of Finance This, Property That, Luke and Jem Corrish join the podcast to break down Jem’s first property journey 12 months on from buying with his mate, Tom.From getting finance-ready and finding the right deal, to negotiating hard after building and pest, dealing with settlement challenges, renovating the property and building equity, this episode is a real-world look at how first home buyers can still get into the market with the right strategy, mindset and team around them.The conversation also covers co-ownership, legal agreements, first home buyer schemes, guarantor options, rentvesting, renovation costs, valuation growth and the importance of having a long-term plan before buying your first property.Full Episode DescriptionA lot of first home buyers feel like getting into the property market is impossible right now.In this episode of Finance This, Property That, Luke and Jem Corrish unpack a real-life example that proves there are still ways to get started if you are willing to think differently, get educated and build the right team around you.Jem shares the story of buying his first property with his mate Tom, including how they found the property, negotiated the deal, dealt with a difficult seller, renovated the home and built serious equity in under 12 months.The boys also talk about the practical realities of buying with a friend, why co-ownership needs clear conversations and legal advice, and why your first property does not have to be your forever home.This episode is a must-listen for first home buyers, young investors and anyone sitting on the sidelines thinking the market is too hard.Key Topics CoveredBuying your first property with a friendWhy first home buyers need to speak to a broker earlyHow Jem and Tom found their first propertyNegotiating after building and pestDealing with a difficult settlement processThe importance of pre-approval and finance strategyWhy your first home does not need to be your forever homeRentvesting, guarantors and alternative ways to enter the marketCo-ownership agreements and legal considerationsRenovating on a budgetCreating sweat equity through smart renovationsUnderstanding first home buyer schemes and timeframesUsing equity to plan the next moveAdding a secondary dwellingWhy strategy matters from property number oneEpisode Chapters / Timestamp Rundown00:00 Preview: building wealth, strategy and thinking beyond the first step01:05 Welcome back Luke and Jem02:50 12 months on from buying with a mate03:00 How Jem started the property search04:05 Finding the Kingston property05:00 Negotiating hard after building and pest06:05 Settlement challenges and dealing with a difficult vendor08:00 Why having the right finance support made the process smoother09:55 Advice for first home buyers trying to get into the market11:35 What buyers should ask agents at open homes13:55 Why first home buyers need to speak to a broker early14:45 Structuring your first property for the future16:50 Thinking beyond first home buyer incentives18:00 Rentvesting, guarantors and other ways to get started22:50 What young buyers are saying about the market24:10 The three pillars needed to buy property25:30 Buying with a friend and the importance of legal advice29:05 The renovation journey begins31:45 Running the numbers: purchase price, reno costs and valuation growth33:30 The plan for a secondary dwelling35:40 Blood, sweat and tears: what the renovation really took38:30 Why patience matters when building wealth41:00 Closing advice for first home buyers43:35 Where to find Luke and JemMain TakeawaysGetting into the property market is still possible, but it often requires a different strategy.First home buyers should not assume they are priced out before they have spoken to a broker and properly mapped out their options.Your first property does not need to be your dream home. It can be the stepping stone that helps you build wealth and create future options.Buying with a friend can work, but it needs clear communication, legal advice and a plan for what happens if circumstances change.Renovations can create serious equity, but they take time, effort, patience and a realistic understanding of costs.Having the right team around you — broker, solicitor, property professionals and advisers — can make a huge difference.Standout Quote Ideas“Your first home is probably not your forever home, so you need to ask what the purpose of the property really is.”“If you don’t know what your savings target is, you’re not going to reach it as fast as you could.”“You need three things to buy property: income, deposit or equity, and a good credit file. Around that, you need a strategy.”“Buying with a friend is basically going into business with someone, so you need a rule book for the property.”“Don’t lose hope. Get educated, have the conversation and work out what the game plan is.”Guest MentionsLuke AshbyMortgage BrokerFind Luke on Instagram, Facebook and ...
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    46 mins
  • Episode 94: The 5 Mistakes Keeping Property Investors Stuck at Two Properties

    Episode 94: The 5 Mistakes Keeping Property Investors Stuck at Two Properties
    May 24 2026

    Why do so many property investors get stuck after buying one or two properties?

    In Episode 94 of Finance This, Property That, Dion breaks down the five common mistakes that can stop investors from growing their property portfolio.

    From cross-collateralised loans and poor sequencing, to buying without a clear end goal, this episode explains why the way you structure your finance early can have a major impact on what you are able to do next.

    Dion also talks about the importance of having the right team around you, including your broker, accountant and buyer’s agent, and why those people need to be communicating with each other if you want to avoid costly mistakes.

    If you are trying to move from two properties to four, five or six, this episode is about building a proper plan before you run out of borrowing capacity, time or options.

    This episode covers:

    ✅ Why investors get stuck at two properties
    ✅ The danger of cross-collateralised loans
    ✅ Why lender loyalty can limit your options
    ✅ How poor sequencing can hurt future borrowing
    ✅ Why every investor needs a clear end goal
    ✅ The problem with buying property without a roadmap
    ✅ Why siloed advice can cost you long-term
    ✅ How to build a team that actually works together

    As always, the information in this episode is general in nature and does not take into account your personal circumstances. Speak with a qualified professional before making financial decisions.

    YouTube Chapters

    0:00 Intro
    0:45 Why investors get stuck at two properties
    1:30 Mistakes 1 and 2: Structure and sequencing
    3:00 Cross-collateralisation, lender loyalty and early trust structures
    4:30 Why every purchase needs to support the next one
    5:45 Mistakes 3 and 4: Buying without a number or roadmap
    7:30 The danger of buying without a long-term plan
    9:00 Mistake 5: Getting advice from the wrong people
    10:45 Why your broker, accountant and buyer’s agent need to communicate
    12:30 The compounding cost of misaligned decisions
    14:00 How to get unstuck and move forward
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    10 mins