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Episode 71: Why Chasing the Lowest Rate Could Cost You More
🔊 Top Quotes
- "If you’re trying to grow, forget about chasing the best rate — we need to figure out the best policy and valuation first."
- "The loan needs to work not just for the next deal, but the next two to three deals — that’s how you build a sustainable portfolio."
- "We’re not reactive — we’re proactive. That’s why we reprice your loan every six months to keep your rate competitive."
🎧 Episode Synopsis
In this solo episode of Finance This Property That, Dion Fernandez breaks down the costly obsession many borrowers have with chasing the lowest interest rate — and why that mindset could be holding them back from true portfolio growth. Drawing from real client conversations, Dion explains how smart investors prioritize policy, structure, and long-term planning over short-term savings. With clarity and strategy at the forefront, this episode delivers a blueprint for sustainable lending decisions that actually build wealth — not just win on paper.
📘 Episode Breakdown
00:00 – Intro
Dion welcomes listeners and recaps who the podcast is for — time-poor professionals, investors, and self-employed borrowers aiming to build smart property portfolios.
00:55 – Why Rate Obsession Is Misleading
Dion explains how the ultra-low COVID-era rates distorted borrower expectations and why focusing solely on rate can be dangerous for long-term growth.
02:00 – Policy Over Price
Rate shouldn't be the first factor — lender policy, valuation models, and servicing should lead the decision. Dion breaks down why this matters for anyone trying to grow beyond one or two properties.
03:30 – What Banks Won’t Tell You
A look at the hidden trade-offs of "cheap" loan products: lack of offset accounts, redraw fees, and restrictive policies that can limit portfolio expansion.
04:45 – Strategic Lending Structure
Dion shares how he structures loans to support multiple future purchases, not just the current one — focusing on offset strategies and equity recycling.
05:45 – Proactive Loan Management
An inside look at how Dion's team, including Anne from Emerge Finance, reprices loans every six months to ensure ongoing competitiveness.
06:30 – Closing & Call to Action
If you're unsure about your current loan structure or chasing rates blindly, Dion invites listeners to connect with him via Instagram, LinkedIn, or his website.
View all episodes
By Dion Fernandes🔊 Top Quotes
- "If you’re trying to grow, forget about chasing the best rate — we need to figure out the best policy and valuation first."
- "The loan needs to work not just for the next deal, but the next two to three deals — that’s how you build a sustainable portfolio."
- "We’re not reactive — we’re proactive. That’s why we reprice your loan every six months to keep your rate competitive."
🎧 Episode Synopsis
In this solo episode of Finance This Property That, Dion Fernandez breaks down the costly obsession many borrowers have with chasing the lowest interest rate — and why that mindset could be holding them back from true portfolio growth. Drawing from real client conversations, Dion explains how smart investors prioritize policy, structure, and long-term planning over short-term savings. With clarity and strategy at the forefront, this episode delivers a blueprint for sustainable lending decisions that actually build wealth — not just win on paper.
📘 Episode Breakdown
00:00 – Intro
Dion welcomes listeners and recaps who the podcast is for — time-poor professionals, investors, and self-employed borrowers aiming to build smart property portfolios.
00:55 – Why Rate Obsession Is Misleading
Dion explains how the ultra-low COVID-era rates distorted borrower expectations and why focusing solely on rate can be dangerous for long-term growth.
02:00 – Policy Over Price
Rate shouldn't be the first factor — lender policy, valuation models, and servicing should lead the decision. Dion breaks down why this matters for anyone trying to grow beyond one or two properties.
03:30 – What Banks Won’t Tell You
A look at the hidden trade-offs of "cheap" loan products: lack of offset accounts, redraw fees, and restrictive policies that can limit portfolio expansion.
04:45 – Strategic Lending Structure
Dion shares how he structures loans to support multiple future purchases, not just the current one — focusing on offset strategies and equity recycling.
05:45 – Proactive Loan Management
An inside look at how Dion's team, including Anne from Emerge Finance, reprices loans every six months to ensure ongoing competitiveness.
06:30 – Closing & Call to Action
If you're unsure about your current loan structure or chasing rates blindly, Dion invites listeners to connect with him via Instagram, LinkedIn, or his website.