🎧 Episode SynopsisIn this episode, mortgage planner and finance strategist Dion Fernandez unpacks the powerful strategy of trust lending—a financial tool often used by wealthy investors to protect assets, optimize tax outcomes, and preserve borrowing capacity. Dion explains how trusts can be leveraged to build strategic property portfolios, where many brokers and buyers get it wrong, and the critical steps to take before applying for a loan under a trust. Whether you’re a doctor, developer, business owner, or investor looking to scale your portfolio smartly, this episode provides essential insights to help you grow with confidence.🔍 Episode Breakdown00:00 – 01:30 Intro & Who This Podcast Is ForDion introduces the show’s mission: strategic lending for property enthusiasts and professionals.Emphasis on building wealth with structure, not just chasing low rates.01:30 – 03:30 Why Trust Lending?Overview of why clients use trusts: asset protection, borrowing power, income distribution, and estate planning.03:30 – 06:00 Strategic vs Reactive Trust SetupKey differences between proactive and reactive trust setups.Importance of planning with accountants and financial planners.06:00 – 08:30 Common Mistakes Made by Banks, Brokers & BuyersChallenges with inexperienced bankers and brokers.Missteps around servicing policy and missed opportunities due to lack of understanding.08:30 – 11:00 Servicing Implications & CostsLimitations like no negative gearing (in most cases).Upfront and ongoing costs vs. opportunity cost of capital growth.11:00 – 13:00 Types of Trusts for Property LendingDiscretionary trusts (most common), unit trusts, hybrid trusts, and SMSFs.Considerations for lender policy compatibility and structure fit.13:00 – 15:30 Documentation RequirementsTrust deed, amendments, corporate trustee info, and possible financials.Note: lenders avoid lending to trading entities.15:30 – 17:00 Case Study: Medical Professional’s Portfolio StrategyReal example of a client scaling from 2 to 5 properties using trusts and SMSFs.Benefits of diversification and lender alignment.17:00 – 18:00 Key Takeaways & Final AdviceWork with experienced brokers.Set up trusts before you need them.Choose lenders based on structure compatibility—not just rate.📲 Connect with Dion FernandezInstagram: @dionfinancespecialistLinkedIn: Dion FernandezWebsite: www.financethispropertythat.com.au

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