Episode 44: Why Your Bank Might Be Holding You Back (And How to Move Forward)

🎙️ Episode Synopsis:

In this solo episode of Finance This, Property That, mortgage planner and finance expert Dion Fernandez shares a behind-the-scenes look at how two high-income professionals—a doctor and an engineer—broke free from financial stagnation caused by rigid bank lending policies. Dion walks listeners through their journey, explains why going directly to a bank can limit your options, and reveals how brokers can use tailored lending strategies, multiple policies, and smart structuring to unlock true borrowing potential. If you're a time-poor professional aiming to grow your property portfolio, this episode will challenge how you think about debt and lending.

📌 Episode Breakdown:

00:00 – 01:30 | Welcome & Mission

• Dion introduces the show and his mission to build financial legacies.
• Explains the episode's focus on client journeys and key lessons for professionals.

01:30 – 04:30 | Why Banks Can’t Always Help You Scale

• How banks assess lending risk vs. how brokers operate.
• The limitations of working with just one lender and a single lending policy.
• Introduction to cross-collateralization and inflexible debt structures.

04:30 – 08:00 | A Client Case Study: Doctor & Engineer

• The couple’s challenges: cross-collateralized loans and borrowing limits.
• How Dion unlocked their borrowing potential using policy-specific strategies:
  • LMI waivers for essential service workers.
  • 100% income recognition and salary sacrifice add-backs.
• Revalued properties, released equity, and tailored structuring.

08:00 – 10:30 | From Stuck to Strategic: The Outcome

• Successfully moved from 2 to 6 properties in under 6 months.
• Set up purchases through trusts and SMSFs.
• The importance of matching loan policy with purpose and long-term goals.

10:30 – 12:00 | Final Advice & Call to Action

• Questions you must ask before relying solely on a bank:
  • Are they aligned with your goals?
  • Do they offer flexibility and growth potential?
• Why partnering with a knowledgeable broker can accelerate your financial journey.
• How to connect with Dion for a free discovery call.

🎯 Perfect for: Time-poor professionals (doctors, engineers, lawyers) looking to grow their property portfolios and escape the limitations of traditional banking.