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Stratega Finance Award-winning finance strategy practice for property investors. We design the lending structure before the loan. Brisbane-based, serving nationally.

18/10/2026

🏡 STRUCTURE. LEVERAGE. LEGACY. 📈

Thinking about buying your next investment property in the next 3 to 6 months? Before you start searching, there's something far more important you need to understand. 👇

Your financial position.

A successful property strategy isn't just about how much you can borrow. It's about having clarity on three key things:

✅ Borrowing Capacity: Know what you can actually borrow, backed by real lender policies and scenario testing.

✅ Equity Position: Understand how much equity you have available and whether your existing finance structures are working for you.

✅ Your Next Move: Should you buy, restructure or hold and let your portfolio grow?

💡 Sometimes the smartest property investment decision is knowing when NOT to buy.

When the right opportunity comes along, you shouldn't be scrambling to work out whether you can afford it. You should already know the answer.

🎙️ In Episode 112 of Finance This, Property That, Dion Fernandes breaks down why having a clear finance strategy BEFORE you buy can make all the difference.

🎧 Episode 112 is out now!
Apple: https://podcasts.apple.com/us/podcast/finance-this-property-that/id1728366082
Spotify: https://open.spotify.com/show/213wQ02eMdqMSPS32KIlTj?si=a26ab599db33469b
Youtube: https://youtu.be/M-TtUhsErTY

Your accountant builds the entity for tax and asset protection. A lender has to be able to read it too.Three rules keep ...
17/10/2026

Your accountant builds the entity for tax and asset protection. A lender has to be able to read it too.

Three rules keep both sides working.

One. Whoever's income you borrow on is a director and a shareholder, holding the shares beneficially. Add a trust or a second company in between and most lenders stop reading.

Two. One property, one entity. Separate balance sheets show you what performs. You can sell one without touching the others.

Three. Private and deductible debt never share a loan. Once they are mixed, every repayment is apportioned for the life of the loan.

Slide 6 has all three on one card.

If your next property is heading into an entity nobody has checked with a lender, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

Casual work. A recent change of role. A first home.On paper the history looked short. The income was real. That gap is w...
16/10/2026

Casual work. A recent change of role. A first home.

On paper the history looked short. The income was real. That gap is where plenty of good applications get declined.

Lenders read casual income differently. Some look at how long you have worked in the same line of work. Some look at the date on your latest payslip. Apply with the wrong one and you collect a decline and a mark on your credit file.

Going full time is not always the fix either. A new employer can mean a probation period. Some lenders treat that as worse than casual.

They bought the home. The rate still gets reviewed, because a good loan on day one is not always a good loan in year two.

Slide 6 is the checklist if you are casual or new in your role.

If you have been told casual income or a new role rules you out, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

15/10/2026

🏡 PREPARATION BEATS PREDICTION. EVERY TIME. 📈

Stop trying to time the property market and start focusing on what you CAN control. 🎯

Interest rates will change. Property prices will fluctuate. But the investors who are ready to take advantage of opportunities aren't sitting around waiting for the perfect conditions.

✅ They know their borrowing capacity.
✅ They understand their equity position.
✅ They have the right team and finance strategy in place.
✅ They're ready to move when an opportunity presents itself.

💡 The best investors aren't predicting what happens next. They're prepared for whatever happens next.

🎙️ In Episode 112 of Finance This, Property That, Dion Fernandes explains why getting your finances organised BEFORE finding a property could be your biggest competitive advantage.

🎧 Episode 112: Preparation Beats Prediction is out now!
Apple: https://podcasts.apple.com/us/podcast/finance-this-property-that/id1728366082
Spotify: https://open.spotify.com/show/213wQ02eMdqMSPS32KIlTj?si=a26ab599db33469b
Youtube: https://youtu.be/M-TtUhsErTY

$8.6M of debt. About $40,000 in the bank. Private money at 2% a month to bridge one settlement.He had several properties...
15/10/2026

$8.6M of debt. About $40,000 in the bank. Private money at 2% a month to bridge one settlement.

He had several properties across personal names and companies. Every deal funded on its own. Nobody had written the position down in one place, so every shortfall arrived on settlement day.

The fix was not another loan. It was one page.

Every property. Value. 80% of value. Debt. Release. Then the order you release it in. His biggest equity position turned out to be his own home, never revalued.

Slide 5 is the test. Run it on every property you own. The figures on it are examples, not his.

If you hold property across several names and every settlement turns into a scramble for cash, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

14/10/2026

Trying to build a property portfolio while running a business, working full-time or raising a family? 🏡👨‍👩‍👧‍👦

In Episode 111, Part 2 of Finance This, Property That, Dion, Joel and Bianca talk about one of the biggest resources investors often underestimate: time.

Their advice is simple: lean on the professionals.

You pay an accountant for their expertise. You use a solicitor for contracts and agreements. The same principle applies when it comes to building a property portfolio.

For Joel and Bianca, running a business while raising two young children has made the value of time even clearer.

Sometimes paying someone with the experience to handle something properly is not just about convenience. It is about opportunity cost.

⏰ What is your time worth?
👨‍👩‍👧‍👦 What is time with your family worth?
📈 Could someone else's expertise help you reach the outcome faster?

You do not have to become an expert in every part of the process.

Sometimes the smarter move is knowing where your time is best spent and building the right team around you.

🎙️ Watch Episode 111, Part 2 of Finance This, Property That now.

Apple: https://podcasts.apple.com/us/podcast/finance-this-property-that/id1728366082
Spotify: https://open.spotify.com/show/213wQ02eMdqMSPS32KIlTj?si=a26ab599db33469b
Youtube: https://youtu.be/lTeyJh1dszU

$8,000 for a valuation. Still no answer on who would lend.The build was good. A rooming house, finished properly, tenant...
14/10/2026

$8,000 for a valuation. Still no answer on who would lend.

The build was good. A rooming house, finished properly, tenants lined up. What nobody did was decide where it lands before it started.

Rooming accommodation is let room by room, so it is assessed commercially. Trying to place it as residential cost months. Then came a quote for a commercial valuation, before anyone knew which lender it was for.

Funding position first. Valuation second. Signed leases before the valuer arrives.

Slide 6 is the one to keep before you order a valuation on anything you are building.

If you are building and nobody has told you which lender takes it when it is finished, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

13/10/2026

What happens when the finance is ready and the strategy is properly sequenced? 🏡📈

In Episode 111, Part 2 of Finance This, Property That, Dion, Joel and Bianca from ECHO Property discuss how the right development pathway can help investors move faster and reduce unnecessary hurdles.

One example involved a rooming house project completed using an accepted development pathway and private certification rather than a council application.

From strategy and acquisition through to completion and full tenancy, the project took around 12 months, cost just over $1.1 million, and was valued at $1.575 million on completion.

The result?

✅ Project completed
✅ Fully tenanted
✅ Refinanced
✅ Client already moving onto their second project

The key is not simply finding a property. It is understanding the finance, the development pathway and the sequence before you start.

🎙️ Watch Episode 111, Part 2 of Finance This, Property That now. https://f.mtr.cool/2rej5bthtp

Apple: https://f.mtr.cool/vz0hfi1vg3
Spotify: https://f.mtr.cool/thfrksbt9t

$43,000. One property. No plan.He paid a one-stop shop to build his portfolio. Property, finance and strategy in one pac...
12/10/2026

$43,000. One property. No plan.

He paid a one-stop shop to build his portfolio. Property, finance and strategy in one package. The promise was five properties in no time.

Two years later he has one. It costs him more than $2,000 a month.

Nobody in that room was paid to say wait. Both his loans sit with one bank, probably tied together. Nobody had ever asked him.

One purchase is not a strategy. A strategy shows you what property two costs before you buy property one.

Slide 6 has the four questions to ask before you sign anything.

If you paid for a plan and came away with one property and a monthly shortfall, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

The myth: a card you never use costs you nothing.To a lender it is not a $0 balance. It is a limit you could draw tomorr...
11/10/2026

The myth: a card you never use costs you nothing.

To a lender it is not a $0 balance. It is a limit you could draw tomorrow, so it is assessed as if you will.

Many lenders count a card at around 3.8% of the limit every month, whatever you owe on it. On $15,000 of limits that is $570 a month, or $6,840 a year, of repayments you never actually make.

At a 9% assessment rate over 30 years, $6,840 a year of commitment services about $70,800 of debt. That is what a card in a drawer can take off what you are assessed to borrow.

Paying it off does not fix it. Closing it does. Reducing the limit on the ones you keep helps too. Do it before you apply, because closures take time to show.

Every lender counts it slightly differently. The direction never changes.

The $15,000 is an illustration. The arithmetic is shown so you can run your own.

If you are about to apply and nobody has asked about the cards you never use, that is usually the start of the conversation, not the end of it.

Fernandes Legacy Finance Pty Ltd trading as Stratega Finance, Credit Representative 579270, is authorised under Australian Credit Licence 389328 (Connective Credit Services Pty Ltd). This is for general information only and does not constitute financial advice. All lending is subject to individual assessment and lender criteria.

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