In this solo episode of Finance This Property That, mortgage planner and finance strategist Dion Fernandes dives deep into the world of rooming house lending — one of the most misunderstood and specialised asset classes in property investing. Dion unpacks why having the right debt strategy, lending partner, and timing is crucial for success in this space. He shares the hard truths about LVR caps, lender pull-outs, and the deposit requirements that could make or break your project. Plus, he walks listeners through a real-life case study where smart structuring unlocked nearly $1M in equity to fund the client’s next development. If you’re serious about rooming house investments, this episode is your blueprint.

⏱ Episode Breakdown

00:00 – Intro & Who This Podcast Is For
Dion sets the stage with his mission: helping property professionals and investors go beyond just interest rates to build long-term wealth through smart finance strategies.

01:00 – Why Rooming Houses Are a Specialist Game
Not all brokers are created equal — Dion stresses the importance of working with someone who actually understands the lending landscape for rooming houses.

02:30 – Major Lending Changes & LVR Realities
Updates on which lenders have pulled out, what LVR caps you can expect (typically 65%), and why some lenders won't touch rooming houses over $1M.

04:00 – The High Barrier to Entry
Dion breaks down the cost and deposit realities, reminding listeners that 35% deposit + costs is now the minimum for many projects.

05:15 – Strategic Case Study: The 3-on-1 Rooming House Exit
A hands-on walkthrough of how Dion helped a client exit a complex project by splitting titles, choosing the right lenders, and unlocking equity. Key insights on working with valuers, navigating lender policy, and thinking exit-first.

10:30 – Final Thoughts: Smart Investing is Structured Investing
Rooming house deals are not for everyone. Dion recaps the keys to success: early planning, the right team, and a deep understanding of lender requirements.

11:30 – Where to Find Dion
For those ready to build smarter, Dion invites listeners to connect with him via Instagram, LinkedIn, or his websites for tailored finance strategy.

🎧 Want to learn more or work with Dion?
Connect with Dion Fernandes on Instagram @dionfinancespecialist, LinkedIn Dion Fernandes, or visit financethispropertythat.com.au