Episode 46: Smarter Debt Structuring for Time-Poor Professionals

Episode Synopsis:
In this solo episode of Finance This Property, That, host Dion Fernandez explores the power of smart debt structuring. Speaking directly to high-income, time-poor professionals, Dion explains why aggressively paying off debt may not always be the best strategy—especially when it comes to tax-deductible investment loans.

He walks through practical examples and a clear framework to help listeners understand how structure can directly impact cash flow, tax efficiency, and long-term property investment success. If you’re looking to grow your portfolio without sacrificing your borrowing power or financial goals, this episode is packed with valuable, actionable insights.

Episode Breakdown:
00:00 – Introduction
Dion sets the stage, emphasizing the importance of debt strategy for professionals.

01:00 – The Misconception of Paying Off Debt Fast
Distinguishing between tax-deductible and non-deductible debt.
Why paying down investment loans may hinder tax benefits.

03:00 – Impact of Structure on Outcomes
Using multiple offset accounts vs. redraw facilities.
Optimizing repayments to reduce non-deductible debt.

06:00 – Real-World Structuring Example
Strategy for converting an owner-occupied home into an investment property.
How offset accounts preserve deductibility.

08:30 – Advanced Structuring and Planning
When to consider trusts and other entities.
Key questions to define your strategy: tax, ownership, and exit plans.

10:00 – Final Takeaways

Don’t treat all loans the same—each has a job.
Call to action for professionals ready to restructure for better results.