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In this no-nonsense episode, mortgage planner and finance strategist Dion Fernandes unpacks a critical challenge in the property development space: how to fund a small development without blowing your budget — or your chances of finishing. Drawing from real-world client experience, Dion outlines the top reasons developers run out of cash, and shares his proven 3-stage funding framework that puts strategy ahead of stress. Whether you're subdividing your first block or scaling up, this episode delivers practical, actionable insights to keep your project — and your cash flow — on track.

📌 Episode Breakdown

00:00 – Introduction
Dion sets the stage for why this topic matters — especially for time-poor professionals and strategic investors entering the development space.

01:20 – Why Developers Run Out of Cash
Three key mistakes are dissected:

  • Underestimating total debt costs
  • Using residential lenders for commercial-style deals
  • Failing to plan staged funding properly

05:00 – The 3-Stage Development Funding Framework
Dion shares his reverse-engineered model:

  • Stage 3: Exit/refinance strategy
  • Stage 2: Construction and development funding
  • Stage 1: Land acquisition

08:45 – Exit Strategy Determines Everything
From pre-sales to refinancing, Dion explains how the exit strategy shapes loan structure, lender choice, and overall feasibility.

11:15 – What Dion’s Team Does Differently
A look at the custom feasibility tools, lender matching, and “developer CV” Dion’s team uses to secure smarter funding — and why banks usually fall short.

14:30 – Final Thoughts & Call to Action
Dion emphasizes de-risking, experience, and partnering with the right broker. Listeners are encouraged to connect via LinkedIn, Instagram, or the website for tailored advice.

🎧 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

🏗️ Planning your next development?
Get guidance that goes beyond the loan — structure it right from day one with Dion’s expert support.

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68 episodes