Скачать или смотреть Episode 54: Is Commercial Property Right for You? Smart Lending Strategies for Serious Investors

In this episode of Finance This Property That, host Dion Fernandez dives deep into the world of commercial property lending—an increasingly popular path for seasoned investors and self-employed borrowers ready to expand beyond residential portfolios. Dion shares why commercial properties can be cash flow powerhouses or financing nightmares, depending on your approach.

You'll learn what differentiates commercial from residential lending, the critical factors lenders look at, and how to structure deals that build long-term wealth. A real client case study highlights how the strategic use of an SMSF (self-managed super fund) helped an electrician business owner purchase their own premises—while unlocking tax and lending advantages.

Whether you're a business owner, high-income earner, or time-poor professional looking to scale smart, this episode equips you with the lending insights that matter most.

📌 Episode Breakdown

00:00 – 01:00
Intro to the podcast and Dion’s mission to help professionals build financial legacies through smart property finance strategies.

01:00 – 03:00
Why commercial lending is the next frontier after residential for investors—and the opportunities (and risks) it brings.

03:00 – 05:00
Key benefits of commercial property:

Higher yields

Lower landlord expenses

Ability to buy through an SMSF (if you're a business owner)

05:00 – 07:00
When commercial doesn't make sense:

Too early in your property journey

Inadequate equity

Buying low-quality assets

Poor tenant quality or lease terms

No buyer's agent with commercial expertise

07:00 – 09:00
What lenders really look for:

Strong tenant and industry

Lease structure

Property location, type, and condition

Specialised vs general-use assets

Valuation metrics, cap rates, and lack of LMI options

09:00 – 11:30
💼 Client Case Study:
How a tradesman with $600k in an SMSF, an unencumbered property, and the right advice used smart structuring to buy a commercial property—while protecting personal borrowing power.

11:30 – 12:00
Final thoughts: Commercial property isn't scary—if you're prepared. Plus, how to connect with Dion for tailored finance advice.

🔗 Connect with Dion Fernandez:
Instagram: @dionfinancespecialist

LinkedIn: Dion Fernandez
Website: www.financethispropertythat.com.au

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