We’re back with another big episode of the Lazy Equity Podcast, and today we’re joined by Geoff Lai from Strategic Brokers(recently ranked in the top 100 brokers in Australia by MPA). In just his third year of broking, Geoff climbed to number 56 nationally, a rapid rise built on strategy, systems, and serious results for his clients.

This conversation goes far beyond interest rates and loan product, it’s about how to structure finance strategically to unlock more opportunities, not just cheaper repayments. Geoff unpacks the real levers investors can pull to scale smarter, avoid common traps, and position themselves for long-term growth.

Together, we dive into:

• The reality behind rate drops and why not all lenders move the same way
• How choosing the “cheapest rate” can actually limit your portfolio potential
• Fixed vs variable loans and the strategy Geoff uses to help clients maximise growth during rate cuts
• How SMSFs and trust structures create different lending opportunities (and hurdles)
• Why Victoria is heating up again, how valuations are lagging behind the data, and what that means for investors in fast-moving markets
• Tactics to compete in hot markets, from unconditional offers to bridging short valuations with confidence

This episode is for anyone who wants to move beyond surface-level finance conversations and start thinking like a strategist. Whether you’re a first-time investor or looking to scale into your next properties, Geoff’s insights will shift how you view lending, risk, and opportunity.

🎙️ Tune in now to discover how to structure your finance for flexibility, growth, and long-term success."

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