Finance This, Property That

In this episode of Finance This, Property That, Dion breaks down a common misunderstanding around using personal cash to fund a property purchase through a company or trust structure.

A client believed he had simply used $500,000 of his own cash to purchase land and fund a future rooming house build. Structurally, however, that money may actually be treated as a director's loan, meaning the entity owes that money back to him.

That distinction can become extremely important when the project is completed and the investor wants to refinance, release capital and move on to the next deal.

Dion explains why lenders may be reluctant to provide unrestricted cash out on commercial and rooming house lending, but may consider funds being released for a clearly documented purpose, such as repaying a director's loan.

The critical part is documentation.

If the money contributed by the director has not been properly recorded on the balance sheet, it can make the eventual release of those funds significantly more difficult.

Dion also explains why the finance strategy for a rooming house should start well before construction begins. Investors need to consider where the original contribution is coming from, how construction will be funded, what the finished lending position looks like and, most importantly, what the exit strategy will be.

For investors looking to move from one rooming house project to the next, good structuring can be just as important as finding the right lender.

In This Episode

•  Why paying cash into a trust or company may actually create a director's loan 
•  What a director's loan means for the entity 
•  Why commercial lenders want a clear purpose when releasing cash 
•  How a refinance may potentially repay money you originally contributed 
•  Why every contribution needs to be properly recorded 
•  The importance of having the director's loan shown on the balance sheet 
•  Why you should plan the exit before beginning construction 
•  How construction finance and the eventual refinance need to work together 
•  Why rooming house finance is often a structuring problem, not simply a lending problem 
•  How the right funding stack can help position investors for their next project 
• 
  

Important: The information discussed in this episode is general in nature and is not accounting or tax advice. Speak with your accountant and relevant professional advisers about your individual circumstances.

00:00 - Introduction and the $500,000 cash example
Dion introduces a client who planned to use $500,000 of personal funds to purchase land through a company or trust structure.

01:00 - Why the cash may actually be a director's loan
The distinction between personally buying the property and lending money to the entity that owns it.

02:00 - Why this matters when refinancing
How rooming house and commercial lenders assess cash-out requests, and why having a legitimate purpose for the funds can matter.

03:00 - No balance sheet record, no release
Why personal contributions need to be properly documented and recorded as a director's loan if that is how the funds were provided.

04:00 - Using the refinance to repay your contribution
How the completed property refinance may potentially repay the construction lender and some or all of the director's loan, subject to valuation, LVR and lender policy.

05:00 - Structure the exit before starting the deal
Why investors should understand their construction funding, contribution strategy and eventual refinance before beginning the project.

06:00 - Building the right rooming house finance strategy
Dion discusses Stratega Finance's experience with rooming house construction deals, portfolio planning and creating the right funding stack for future projects.

Learn more about Stratega Finance:
[www.strategafinance.com.au](http://www.strategafinance.com.au)

Follow Stratega Finance:
@stratega.finance

Connect with Dion Fernandes on LinkedIn.

A rooming house valuation came in at risk of being approximately **$130,000 below the contract price**—but the deal was not necessarily dead.

In this solo episode of *Finance This, Property That*, Dion Fernandes explains why rooming houses are valued differently from standard residential properties and how rental income, market evidence and capitalisation rates can significantly affect the final valuation.

Dion breaks down how Stratega Finance worked with an independent property manager, selected an experienced commercial valuer and presented evidence of achievable market rents to support the property’s true income potential.

The result? The property was valued at the contract price, allowing the clients to complete the purchase under the original numbers.

In this episode:

* Why rooming houses are valued based on income
* How under-market rents created a potential $130,000 shortfall
* Why comparable residential sales carry less weight
* The importance of independent rental appraisals
* How the right broker and valuer can protect a property deal
* Why filling rooms quickly is not always the best financial decision
* The importance of beginning with a clear finance strategy

A valuation is ultimately an informed opinion. When you have strong evidence, accurate rental data and experienced professionals representing your position, that opinion may be challenged in the right circumstances.

Learn more about Stratega Finance:
[www.strategafinance.com.au](http://www.strategafinance.com.au)

Follow Stratega Finance:
@stratega.finance

Connect with Dion Fernandes on LinkedIn.

The information discussed in this podcast is general in nature and does not take into consideration your personal objectives, financial situation or individual circumstances.

## YouTube Chapters

**00:00** Welcome to Stratega Finance
**00:28** The rooming house valuation challenge
**01:05** Restructuring the clients’ property portfolio
**01:48** Purchasing the $1.435 million rooming house
**02:25** Why the valuation was potentially $130,000 short
**03:12** How rooming houses are valued differently
**04:00** How under-market rents affect property value
**04:43** Obtaining an independent rental appraisal
**05:27** Selecting the right commercial valuer
**06:10** Presenting evidence of achievable market rents
**06:52** Getting the property valued at contract price
**07:20** The biggest lessons for rooming house investors
**07:45** Finance strategy, disclaimer and contact details

## Suggested Thumbnail Text

**VALUATION $130K SHORT?**

Alternative:

**HOW WE SAVED THE DEAL**

How to Invest When the Market Is Fearful | Property, SMSFs & Strategy | Ep 102 Part 2

In Part 2 of Episode 102 of Finance This, Property That, Dion Fernandes brings the panel back together to move beyond the proposed budget changes and discuss what investors should actually do next.

Joined by experts across property, accounting and financial planning, Dion explores where opportunities may be emerging, how buyers can negotiate more confidently and why fear in the market can create significant buying opportunities for investors who are properly prepared.

The panel also takes a detailed look at self-managed super funds and property investment. They discuss when an SMSF property strategy may make sense, why cash flow and sustainability matter, and the dangers of setting one up simply because someone on social media said it was a good idea.

The message throughout the episode is clear: slow down, understand your position and make decisions based on facts rather than fear or FOMO.

In This Episode

• Where property investors may find opportunities in a buyer’s market
• Why properties with tenants, finance issues or building defects may be discounted
• How buyers can negotiate stronger prices and safer contract terms
• Why buying during periods of market fear can create opportunities
• The importance of purchasing the right asset, not simply any asset
• Debt recycling, ownership structures and long-term investment planning
• When purchasing property through an SMSF may make sense
• Why negatively geared SMSF properties can create cash flow problems
• The servicing and personal borrowing impacts of supporting an SMSF
• SMSF compliance, documentation, auditing and ongoing responsibilities
• Why an SMSF is not a shortcut into the property market
• The risks of rushing into new builds purely for tax deductions
• How oversupplied housing estates can create resale and negative equity risks
• Why low-deposit buyers need capital growth to refinance successfully
• The importance of knowing your borrowing capacity and investment numbers
• How to identify advice that may be influenced by commissions or product sales
• Why your accountant, finance broker, financial planner and buyer’s agent need to communicate
• The most important financial moves investors should consider over the next 30 to 90 days

Key Takeaway

There is no single strategy that works for every investor.

Before buying property, restructuring your finances or establishing an SMSF, understand:

• Your current financial position
• Your borrowing capacity
• The purpose of the investment
• The quality and cash flow of the asset
• The ownership structure
• Your long-term goal
• The risks involved
• Whether the strategy is sustainable

The best investment decisions are based on cold, hard facts rather than emotion, urgency or fear of missing out.

Suggested YouTube Chapter Topics

Introduction to Episode 102 Part 2
Moving from proposed budget changes to practical solutions.

Finding Opportunities in a Buyer’s Market
Identifying discounted properties and overlooked opportunities.

Negotiating Better Property Deals
Why buyers may now have more flexibility around price, finance and building inspections.

Buying When the Market Is Fearful
Why periods of uncertainty can create opportunities for organised investors.

Choosing the Right Investment Strategy
Property, shares, debt recycling and selecting the right ownership structure.

Should You Buy Property Through an SMSF?
When SMSF property investment may be appropriate and when it may not.

The SMSF Cash Flow and Servicing Problem
Why some SMSF property purchases require ongoing personal contributions.

SMSF Compliance and Administration
Audits, receipts, reporting obligations and the importance of staying organised.

Avoiding SMSF FOMO
Why setting up a fund based on social media advice or seminars can be dangerous.

The Risk of Buying New Property
Tax deductions, oversupply, resale limitations and negative equity.

Low-Deposit Loans and Negative Equity
Why capital growth is essential for borrowers trying to refinance out of low-deposit schemes.

Know Your Numbers
Borrowing capacity, affordability, asset quality and investment performance.

Build the Right Advisory Team
Getting finance, tax, property and investment professionals working together.

The Best Move for the Next 90 Days
Reviewing your starting position and identifying your logical next step.

About Stratega

Stratega helps clients make informed finance decisions by looking beyond the immediate loan and understanding the bigger financial strategy.

Whether you are buying your first home, investing in property, restructuring debt or planning your next move, the goal is to ensure the finance supports where you want to go long term.

The information discussed in this podcast is general in nature and does not take into consideration your personal financial circumstances. Before making financial, property, taxation or investment decisions, seek advice from an appropriately qualified professional.

#FinanceThisPropertyThat #Stratega #PropertyInvestment

Episode Overview

In this episode of Finance This, Property That, Dion Fernandes is joined by a panel of experts to unpack the proposed changes affecting property investors, business owners and everyday Australians.

Joining Dion are:

• Morgan – Accountant
• Troy – Financial Planner
• Chris – Buyer’s Agent
• Dion Fernandes – Finance Strategist and Mortgage Broker

Together, they examine how potential changes to negative gearing, capital gains tax and trust distributions could affect property structures, borrowing capacity, retirement planning and future investment decisions.

Suggested Episode Structure

00:00 – Welcome to the New Stratega Finance Era
Dion introduces the newly launched Stratega Finance brand and explains why this conversation will be divided into two parts.

02:00 – Don’t Make Decisions Based on Headlines
The panel discusses why investors should avoid restructuring assets or changing strategies before legislation is officially passed.

05:00 – Proposed Trust Distribution Changes
Morgan explains the potential introduction of a 30% minimum tax on trust distributions and why the impact could extend well beyond property investors.

09:00 – How Small Business Owners Could Be Affected
The discussion turns to family trusts, operating companies, bucket companies and the structures commonly used by Australian small businesses.

13:00 – The Risk of Double Taxation
The panel explores how distributions between trusts and companies could potentially result in tax being applied multiple times.

16:00 – Capital Gains Tax and Retirement Planning
How proposed CGT changes could affect business owners and mum-and-dad investors who plan to sell assets and contribute the proceeds to superannuation.

20:00 – Has the Property Market Actually Changed?
Chris challenges the idea that it is business as usual, explaining how higher interest rates, reduced investor demand and changing sentiment have shifted the market.

24:00 – Where Property Opportunities May Still Exist
The panel discusses existing properties with long leases, motivated vendors and situations where reduced competition may create opportunities for prepared buyers.

28:00 – Lender Policy Changes Are Already Happening
Dion explains how some lenders have already changed the way they assess negative gearing and rental income, even though the proposed legislation has not yet passed.

31:00 – Borrowing Capacity Has Dropped for Some Investors
Removing negative gearing benefits from servicing calculations could reduce borrowing capacity by hundreds of thousands of dollars for certain borrowers.

34:00 – Getting Approved Doesn’t Mean You Should Borrow It
The panel discusses responsible lending, sustainable portfolio growth and why choosing the lender offering the highest capacity may damage the investor’s long-term strategy.

36:00 – Why Property Investors Need the Right Team
Finance, tax, financial planning and property strategy must work together. A strong result depends on advisors communicating and understanding the complete plan.

39:00 – What Happens Next?
Dion previews Part Two, where the panel will move beyond diagnosing the problems and discuss how investors may be able to adapt their strategies.

What does it take to reach 100 podcast episodes, build an award-winning mortgage broking career and then walk away from the familiar to start something of your own?

In this milestone episode of Finance This, Property That, Dion shares the complete founder story behind Stratega Finance.

After more than a decade of working towards this moment, Dion explains why he made the decision to leave Emerge Finance, the people who helped shape his career and the vision driving the next chapter.

This is not a story about something being wrong with the past.

It is a story about becoming clear on the future.

Dion breaks down the four biggest lessons he has learned from helping property investors and business owners build their portfolios:

✅ Why structure beats rate every time

✅ Why property is ultimately a finance game

✅ How the right structure can compound across generations

✅ Why clients who think long-term often outperform those looking for fast results

He also introduces Stratega Finance and the philosophy behind its name:

Strategy. Leverage. Legacy.

Strategy comes first because debt needs to be structured correctly before anything can compound.

Leverage is about using the right debt against the right assets to grow wealth responsibly.

Legacy is about building something that continues beyond your own lifetime.

Dion also explains the Stratega Finance process, including why every client begins with a detailed finance strategy before an application is submitted.

By the end of that strategy process, clients should understand:

• Their borrowing capacity across different lenders

• The recommended lending structure

• Their logical next move

The episode also explores the three things every investor needs to continue growing: income, available cash or equity and a clean credit file.

Surrounding those foundations are your finance strategy, property strategy and the team supporting the journey.

Dion shares a real client example involving a couple who moved from two properties to five in under two years by working backwards from their long-term goal, structuring each purchase carefully and assembling the right professional team.

This episode is about much more than launching another mortgage broking firm.

It is about backing yourself, building without regrets and creating financial legacies that can continue for generations.

Welcome to Stratega Finance.

The podcast continues.

The team continues.

The strategy is only getting stronger.

Please remember that the information discussed in this podcast is general in nature and does not take into consideration your individual financial circumstances.

In the lead-up to Episode 100, this special recap episode of Finance This, Property That looks back at the biggest lessons from the last 10 episodes.

Dion breaks down the difference between a true finance strategy and simply getting a loan, why the “one-stop shop” model can create serious conflicts of interest, and why investors need independent specialists around them if they want to avoid costly mistakes.

From wrong ownership structures and serviceability walls to poor due diligence, weak property management and lender sequencing issues, this episode brings together the key messages every property investor needs to understand before making their next move.

If you are buying without a number, without a roadmap, or without a team that is actually communicating, this episode is a reminder that property investing is not about collecting assets. It is about building the right structure, in the right order, with the right people around you.

Episode Breakdown with Approximate Timestamps

00:00 – The problem with the “one-stop shop” model
Dion opens the episode by explaining why vertically integrated property businesses can create conflicts of interest, and why independent specialists are so important.

03:00 – Why Dion does not tell clients what to buy
The episode covers the role of a finance strategist, why Dion does not act as a buyer’s agent, and how the right team of specialists should work together.

06:00 – The three questions every strategy needs to answer
Dion breaks down the importance of knowing your end goal, what your finance structure can support, and whether your team is actually aligned.

09:00 – The hidden cost of getting advice too late
A key lesson from the recap is that many investors only seek proper advice after the damage is done, whether that is the wrong structure, a serviceability wall or an equity problem.

12:00 – Why cheap or free advice can become expensive
The conversation shifts into the importance of paying for the right solicitor, buyer’s agent, building and pest inspector, property manager and finance strategist.

15:30 – Strategy versus simply getting a loan
Dion explains why a finance strategy is not the same thing as writing a loan, and why every property purchase needs a clear purpose behind it.

18:00 – The value of being told “no”
The episode highlights why good advisers are willing to challenge clients, say no when needed, and give context behind every strategic decision.

20:30 – Buying without a number or roadmap
Dion recaps one of the biggest mistakes investors make: buying property deal by deal without knowing the end goal, income target or future portfolio roadmap.

23:00 – Why your first property sets the foundation
The discussion moves into first-home buyers and why the first purchase should not just be treated as a goal, but as the foundation for future purchases.

25:30 – Lender sequencing and borrowing capacity
Dion explains how choosing the wrong lender or structure early can limit future borrowing capacity, and why sequencing matters across multiple purchases.

27:30 – Case study: using structure to unlock the next moves
The episode covers a practical example involving debt restructuring, equity release, rooming house strategy, cash flow and setting up future purchases.

29:30 – Rooming house management and due diligence
The recap closes with lessons around rooming house property management, entry condition reports, photographic evidence, defects, tenant management and why care factor matters.

In this episode, Dion is joined by Rachel Gibb from UpsideAV to unpack what investors often overlook after building or buying a rooming house — the management.

Rooming houses are not managed like standard residential properties. With multiple tenants, shared spaces, utilities, house rules and separate leases, the wrong management approach can quickly impact vacancy, tenant harmony, rental income and long-term yield.

Dion and Rachel also discuss recent changes in the Brisbane rooming house space, the importance of tenant selection, operational cost reviews, insurance, valuation, and how the right finance and property management team can protect the overall investment strategy.

They also share a real client example where a rooming house was rented under market value before settlement, creating potential valuation and finance issues — and why having the right people involved made all the difference. 

Key Topics

Rooming house management vs standard residential management
 Why tenant mix matters
 Protecting rental yield
 Vacancy and break lease risk
 Insurance and operating costs
 Brisbane rooming house changes
 Valuation and finance structure
 Why cheap advice can cost more later

Key Takeaway

A rooming house is more than a high-yield asset. To make it work long term, you need the right structure, the right management, the right insurance and the right team around you. Dion and Rachel explain how poor management can undo months of work and impact the investor’s overall strategy. 

Short Social Caption

You can get the build right and still get the strategy wrong.

In this episode of Finance This, Property That, Dion sits down with Rachel Gibb from UpsideAV to talk about the rooming house management gap.

From tenant selection and vacancy risk to insurance, operating costs, valuation and finance structure — this episode breaks down why the right team matters after the build is complete.

#FinanceThisPropertyThat #PropertyInvestment #RoomingHouse #PropertyManagement #PropertyFinance #BrisbaneProperty #AustralianProperty #InvestmentStrategy

Episode Synopsis

In this solo episode of Finance This, Property That, Dion breaks down one of the most misunderstood concepts in property investing: borrowing capacity.

While many investors obsess over how much they can borrow today, Dion explains why that number is only a snapshot in time-not a roadmap for building long-term wealth. Through real client examples, he demonstrates how lender sequencing, debt structuring, and strategic planning can dramatically influence an investor's ability to scale a portfolio over the next five to ten years.

This episode is a must-listen for anyone looking to build a property portfolio, avoid common lending mistakes, and understand why strategy-not borrowing power-is the true driver of wealth creation.

⏱️ Episode Breakdown
0:00 – 1:30 | Why Borrowing Capacity Is the Wrong Question
The most common question investors ask
Why borrowing capacity is only one piece of the puzzle
The difference between a number and a strategy

1:30 – 3:00 | Borrowing Capacity Is a Snapshot
Why borrowing capacity only reflects today's position
How two investors with identical borrowing power can have vastly different outcomes
The role strategy plays in future portfolio growth

3:00 – 5:00 | The Lender Sequencing Problem
One of the biggest mistakes investors never see coming
How using the wrong lender today can limit options tomorrow
Why transactional lending can hurt long-term wealth creation

5:00 – 7:30 | Real Client Case Study
Restructuring owner-occupied debt through debt recycling
Creating an $895,000 investment war chest
Why the rooming house had to be purchased first
Using trust structures and cash flow strategically

7:30 – 8:45 | Manufacturing Equity & Yield
Combining renovation strategies with cash flow improvements
Creating value through sequencing and execution
Turning a modest portfolio into a multi-million-dollar wealth plan

8:45 – 10:00 | What Borrowing Capacity Should Actually Tell You
Understanding your borrowing ceiling
Why preserving options beats maxing out borrowing power
The difference between investors who stagnate and investors who continue scaling

Key Takeaways

✅ Borrowing capacity is a starting point-not a strategy.

✅ The order in which you use lenders matters.

✅ Finance decisions should be made with future purchases in mind.

✅ Debt structuring and sequencing can dramatically impact long-term outcomes.

✅ The most successful investors think 3–5 steps ahead.

Why Your First Property Can Make or Break Your Portfolio

In Episode 96 of Finance This, Property That, Dion takes the mic for a solo episode focused on one of the biggest mistakes property investors make early in their journey: treating the first property purchase as the goal, instead of the foundation.

Dion explains why your first home or first investment property can shape every decision that follows. From the lender you choose, to the way repayments are structured, whether you pay lenders mortgage insurance, how you use equity, and whether the purchase supports or slows down the next one — property one can either open doors or quietly close them.

This episode breaks down why first-time buyers and early-stage investors need to think beyond simply “getting into the market.” Dion shares why it is so important to have the right broker, accountant and buyer’s agent working together from the start, and why your first purchase should be aligned with the bigger picture of where you want your portfolio to go.

Dion also shares a real client example where the right strategy, lending policy and property selection helped manufacture around $400,000 in equity, allowing the client to move from their first home into their first investment property with a clear plan already in place for property three.

For anyone who feels like they may have bought their first property without the right structure, Dion explains that it is not necessarily fatal — but it does require a full portfolio review before making the next move. The key message is that investors often get stuck not because they bought the wrong property, but because no one helped them choose the right structure or build the right team around them.

In this episode, Dion covers:

Why your first property sets the structure for everything that follows
How purchase one can open or close the door to purchase two
Why getting into the market is not enough without a long-term plan
The importance of choosing the right lender for where you are going, not just where you are now
Why your accountant, broker and buyer’s agent need to be aligned
The three key questions every first purchase needs to answer
How the wrong finance structure can slow down your portfolio growth
What to do if your first property was not structured correctly
Why a full portfolio review matters before buying again
How Dion’s Portfolio Blueprint helps connect the finance strategy with the property strategy
Why the right team can make the process smoother, faster and more strategic

Approximate episode timestamps

00:00 — Introduction
Dion introduces the topic of why the first property or first investment property is such an important decision.

00:45 — Why the first purchase matters
Dion explains how the first property sets the structure for future decisions, including lending, repayments, LMI, renovations and equity use.

02:00 — Property one is the foundation, not the finish line
The episode explores why first-time investors need to stop thinking of the first purchase as the goal and start treating it as the foundation of a portfolio.

03:00 — The three questions every first purchase needs to answer
Dion outlines the key questions around lending structure, lender choice, and whether the accountant, broker and buyer’s agent are working together.

04:15 — The importance of having the right team
Dion explains why many first-time buyers are under pressure, overwhelmed by grants, competing with other buyers, and often missing the strategic support they need.

05:00 — Real client example: manufacturing equity
Dion shares a client example where the right location, policy, renovation strategy and lending structure helped create around $400,000 in equity.

06:30 — What if purchase one was structured wrong?
Dion explains that a poor first structure is not always fatal, but it does require a proper portfolio review before the next move.

07:30 — Final thoughts
Dion wraps up with the reminder that investors often get stuck because no one helped them build the right structure or team from the beginning.

Key listener takeaways

Your first property should not be treated as a one-off transaction. It should be treated as the foundation of your future portfolio.

The wrong lending structure may not hurt immediately, but it can create problems when you try to buy the next property.

Choosing the right lender is not just about the best option today. It is about whether that lender supports where you are trying to go.

A broker, accountant and buyer’s agent should not be working in isolation. When they understand the same strategy, the whole process becomes clearer and more effective.

If your first property was not structured correctly, it does not mean the journey is over. But it does mean you need to review the full picture before making the next move.

In this episode of Finance This, Property That, Luke and Jem Corrish join the podcast to break down Jem’s first property journey 12 months on from buying with his mate, Tom.

From getting finance-ready and finding the right deal, to negotiating hard after building and pest, dealing with settlement challenges, renovating the property and building equity, this episode is a real-world look at how first home buyers can still get into the market with the right strategy, mindset and team around them.

The conversation also covers co-ownership, legal agreements, first home buyer schemes, guarantor options, rentvesting, renovation costs, valuation growth and the importance of having a long-term plan before buying your first property.

A lot of first home buyers feel like getting into the property market is impossible right now.

In this episode of Finance This, Property That, Luke and Jem Corrish unpack a real-life example that proves there are still ways to get started if you are willing to think differently, get educated and build the right team around you.

Jem shares the story of buying his first property with his mate Tom, including how they found the property, negotiated the deal, dealt with a difficult seller, renovated the home and built serious equity in under 12 months.

The boys also talk about the practical realities of buying with a friend, why co-ownership needs clear conversations and legal advice, and why your first property does not have to be your forever home.

This episode is a must-listen for first home buyers, young investors and anyone sitting on the sidelines thinking the market is too hard.

• Buying your first property with a friend
• Why first home buyers need to speak to a broker early
• How Jem and Tom found their first property
• Negotiating after building and pest
• Dealing with a difficult settlement process
• The importance of pre-approval and finance strategy
• Why your first home does not need to be your forever home
• Rentvesting, guarantors and alternative ways to enter the market
• Co-ownership agreements and legal considerations
• Renovating on a budget
• Creating sweat equity through smart renovations
• Understanding first home buyer schemes and timeframes
• Using equity to plan the next move
• Adding a secondary dwelling
• Why strategy matters from property number one

00:00 Preview: building wealth, strategy and thinking beyond the first step
01:05 Welcome back Luke and Jem
02:50 12 months on from buying with a mate
03:00 How Jem started the property search
04:05 Finding the Kingston property
05:00 Negotiating hard after building and pest
06:05 Settlement challenges and dealing with a difficult vendor
08:00 Why having the right finance support made the process smoother
09:55 Advice for first home buyers trying to get into the market
11:35 What buyers should ask agents at open homes
13:55 Why first home buyers need to speak to a broker early
14:45 Structuring your first property for the future
16:50 Thinking beyond first home buyer incentives
18:00 Rentvesting, guarantors and other ways to get started
22:50 What young buyers are saying about the market
24:10 The three pillars needed to buy property
25:30 Buying with a friend and the importance of legal advice
29:05 The renovation journey begins
31:45 Running the numbers: purchase price, reno costs and valuation growth
33:30 The plan for a secondary dwelling
35:40 Blood, sweat and tears: what the renovation really took
38:30 Why patience matters when building wealth
41:00 Closing advice for first home buyers
43:35 Where to find Luke and Jem

Getting into the property market is still possible, but it often requires a different strategy.

First home buyers should not assume they are priced out before they have spoken to a broker and properly mapped out their options.

Your first property does not need to be your dream home. It can be the stepping stone that helps you build wealth and create future options.

Buying with a friend can work, but it needs clear communication, legal advice and a plan for what happens if circumstances change.

Renovations can create serious equity, but they take time, effort, patience and a realistic understanding of costs.

Having the right team around you — broker, solicitor, property professionals and advisers — can make a huge difference.

“Your first home is probably not your forever home, so you need to ask what the purpose of the property really is.”

“If you don’t know what your savings target is, you’re not going to reach it as fast as you could.”

“You need three things to buy property: income, deposit or equity, and a good credit file. Around that, you need a strategy.”

“Buying with a friend is basically going into business with someone, so you need a rule book for the property.”

“Don’t lose hope. Get educated, have the conversation and work out what the game plan is.”

Luke Ashby
Mortgage Broker
Find Luke on Instagram, Facebook and TikTok under Luke Ashby Mortgage Broker.
First home buyers can also check out the First Home Buyers Club Queensland Facebook group.

Jem Corrish
Lucid Property Investments
Find Jem on LinkedIn.

If you are a first home buyer and you are not sure where to start, the first step is getting educated.

Speak with the right people, understand your finance position, build a strategy and stop guessing your way through the market.

For finance help, reach out to the team at Emerge Finance.
For property strategy or to learn more about Jem’s journey, connect with him through LinkedIn.

The information in this episode is general in nature and does not take into account your personal circumstances. Always seek professional advice before making financial, legal or property decisions.

#FinanceThisPropertyThat, #FirstHomeBuyer, #PropertyInvestment, #AustralianProperty, #MortgageBroker, #PropertyStrategy, #Rentvesting, #CoOwnership, #HomeBuyingTips, #PropertyPodcast, #FinancePodcast, #EmergeFinance, #QueenslandProperty, #FirstHomeBuyerTips