🎙️ Podcast: Finance This, Property That
🕒 Duration: 50 minutes
👤 Host: Dion Fernandez, Mortgage Planner & Finance Professional
🎧 Episode Summary:
In this episode of Finance This, Property That, host Dion Fernandez sits down with Morgan Wilson from Creditee, an accountant and tax strategist, for a deep dive into the critical role of loan structures and tax planning in building a high-performing property portfolio. Whether you’re a first-time investor or scaling up, this conversation is packed with practical insights on trusts, SMSFs, asset protection, and borrowing strategies—plus real-world pitfalls to avoid.
Learn how the right financial team can protect your wealth, boost your borrowing power, and support long-term generational legacy goals. This is the episode every property investor needs to hear before signing their next contract.
📌 Episode Breakdown:
🔹00:00 – 03:30
Introduction to the episode & guest Morgan from Creditee
Morgan's background in accounting & business journey
The meaning behind the name “Creditee”
🔹03:30 – 12:30
Structuring Property Purchases: Personal Name vs Trust vs Company
The three key considerations: tax effectiveness, asset protection, future-proofing
Common mistakes investors make when structuring too early or incorrectly
🔹12:30 – 25:30
Corporate Trustees & Trust Lending Explained
Importance of setting up structures properly for finance
Estate planning, relationship protection, and trust deed flexibility
Lender requirements and how structure impacts borrowing capacity
🔹25:30 – 38:30
Self-Managed Super Funds (SMSFs) & Property
Setting up an SMSF correctly: timeline, risks, and regulations
Bear trusts, non-recourse lending, and commercial vs residential usage
Why SMSFs aren't for everyone and common compliance pitfalls
🔹38:30 – 44:00
Negative vs Positive Gearing: The Real Story
Why gearing is not a strategy, just a financial outcome
Focus on asset quality, cash flow, and long-term growth
🔹44:00 – 48:30
Tax Planning, Land Tax, and Mistakes Investors Make
Importance of proactive planning before buying
Depreciation schedules & why investors leave money on the table
Aligning accounting and lending strategies for scalable growth
🔹48:30 – 50:00
How to Connect with Morgan & Dion
Where to find Morgan online and book a discovery call
Dion’s platforms and a call to share the episode with your network
Website, Instagram, LinkedIn, and other contact details
Final thoughts on the importance of education and professional advice
Listen & Subscribe:
🎧 Follow the podcast on your favorite streaming platform
Contact Details:
📩 Dion Fernandez – Mortgage Planner & Finance Specialist
@dionfinancespecialist
📩 Morgan Wilson - Creditee
@creditte
👉 Tune in now and take the first step toward smarter commercial property investing! 🎧✨
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