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Episode 67: Why Strategic Borrowers Don’t Go Straight to the Bank
In this solo episode, host Dion Fernandes breaks down one of the most common questions in property finance: should you go directly to the bank, or work with a mortgage broker? With his signature clarity and strategic insight, Dion outlines the limitations of going to a bank — from policy rigidity to lack of strategic advice — and contrasts this with the tailored, future-focused approach of working with a strategic broker. This episode is a must-listen for serious investors, time-poor professionals, and self-employed borrowers who want more than just a loan — they want a plan for scalable wealth.
⏱️ Episode Breakdown
00:00 – Introduction
Dion welcomes listeners and sets the stage for today’s topic — the difference between going to a bank versus using a mortgage broker.
01:35 – What Happens When You Don’t Fit the Bank’s Box
Explains how banks operate with one policy, one product, and no obligation to compare. Highlights key scenarios banks typically reject: trust lending, SMSF loans, rooming houses, and complex self-employed situations.
04:50 – What Strategic Brokers Actually Do
Dion outlines the broker’s legal duty to act in your best interest, and why rate alone is a poor decision driver. Strategic brokers prioritize structure and long-term portfolio planning.
07:10 – How Dion and His Team Work With Clients
A step-by-step walkthrough of the client journey — from discovery call to strategy session, credit analysis, and working with dedicated specialists throughout the process.
10:25 – Post-Settlement Support & Portfolio Growth
Explains the ongoing service: 6-monthly loan reviews, pricing checks, and strategy updates to align with evolving goals.
12:20 – Final Thoughts
If your goal is just a refinance or a single loan, the bank may suffice. But for wealth-building, flexibility, and expert guidance, strategic broking is the better path.
🎧 Catch more episodes of Finance This, Property That on your favourite podcast app.
📲 Connect with Dion Fernandes
Instagram: @dionfinancespecialist
LinkedIn: Dion Fernandes
Website: www.financethispropertythat.com.au
💬 Thinking beyond just the interest rate?
Let’s talk strategy, structure, and how to scale your property portfolio — Dion’s only a message away.
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By Dion FernandesIn this solo episode, host Dion Fernandes breaks down one of the most common questions in property finance: should you go directly to the bank, or work with a mortgage broker? With his signature clarity and strategic insight, Dion outlines the limitations of going to a bank — from policy rigidity to lack of strategic advice — and contrasts this with the tailored, future-focused approach of working with a strategic broker. This episode is a must-listen for serious investors, time-poor professionals, and self-employed borrowers who want more than just a loan — they want a plan for scalable wealth.
⏱️ Episode Breakdown
00:00 – Introduction
Dion welcomes listeners and sets the stage for today’s topic — the difference between going to a bank versus using a mortgage broker.
01:35 – What Happens When You Don’t Fit the Bank’s Box
Explains how banks operate with one policy, one product, and no obligation to compare. Highlights key scenarios banks typically reject: trust lending, SMSF loans, rooming houses, and complex self-employed situations.
04:50 – What Strategic Brokers Actually Do
Dion outlines the broker’s legal duty to act in your best interest, and why rate alone is a poor decision driver. Strategic brokers prioritize structure and long-term portfolio planning.
07:10 – How Dion and His Team Work With Clients
A step-by-step walkthrough of the client journey — from discovery call to strategy session, credit analysis, and working with dedicated specialists throughout the process.
10:25 – Post-Settlement Support & Portfolio Growth
Explains the ongoing service: 6-monthly loan reviews, pricing checks, and strategy updates to align with evolving goals.
12:20 – Final Thoughts
If your goal is just a refinance or a single loan, the bank may suffice. But for wealth-building, flexibility, and expert guidance, strategic broking is the better path.
🎧 Catch more episodes of Finance This, Property That on your favourite podcast app.
📲 Connect with Dion Fernandes
Instagram: @dionfinancespecialist
LinkedIn: Dion Fernandes
Website: www.financethispropertythat.com.au
💬 Thinking beyond just the interest rate?
Let’s talk strategy, structure, and how to scale your property portfolio — Dion’s only a message away.