The Lazy Equity Podcast | The Investors Agency

There is no such thing as the Australian property market. That single idea from this episode changes how you read every headline about prices falling or rising. Darren and Justin sit down for a fast, from-the-hip session tackling the questions flooding their DMs and the feedback coming through their ads. No long narrative, just straight answers to what investors actually want to know.

This episode answers:

Is the property market actually going down?
Australia holds 15,000 individual property markets moving on entirely different cycles. Media coverage focuses on three capital cities, but during the GFC, while most of the world's property values were falling, Perth grew 139% in three years.

Is established property still a smart buy?
It's not the property that grows, it's the market underneath it. Why owner-occupier heavy markets outperform investor-flooded ones, and how government incentives can quietly turn a suburb into a trap.

Should you buy commercial property right now?
Commercial isn't about market timing, it's about knowing your own investment profile first. What actually separates a smart commercial purchase from an expensive mistake.

Why do bank valuations differ so much?
There can be a 35% gap between what different banks say your property is worth. The difference between a desktop valuation and a physical walkthrough, and why it matters more than most people realise.

What is leverage and how does it actually work?
Put down $100,000, borrow $900,000, and a 7% gain on that million dollars is a 70% cash on cash return. The real difference between leverage and equity, explained simply.

Should you buy your first home now that Sydney prices have dropped?
Darren shares why his own capital stays in working assets, and the three-step framework for knowing when buying where you want to live actually makes financial sense.

Connect with Us:
Instagram: @tiapropertybuyers
Website: theinvestorsagency.com.au

The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly — follow on Apple Podcasts and Spotify.

General information only. Not financial or investment advice. Always seek advice based on your individual circumstances.

See omnystudio.com/listener for privacy information.

The best investors move before the crowd does, not after it starts to feel safe. In this episode, Justin, TIA's Head of Growth, joins Darren to unpack why so many investors follow the herd at exactly the wrong moment, and how to think differently before the next shift in sentiment arrives.

This episode covers three things every investor needs to hear right now.

Why so many investors get the timing wrong: People tend to buy where others already have, following news that is already six months old by the time it is published. The investors who get ahead are the ones willing to be different rather than simply avoid being wrong.

Why debt is a tool, not a threat: Property is one of the only assets most people will hold with borrowed money, and that discomfort with debt holds many investors back. Understanding that the right debt builds wealth changes the entire approach to structuring a portfolio for growth first, cash flow second.

How to extract equity the right way: A valuation from your existing bank alone will almost always come in under what the property is actually worth. Speaking to multiple lenders, understanding your broker incentives, and knowing your numbers are what actually determine how far your next purchase can go.

Connect with Us: 
Instagram: @tiapropertybuyers
Website: theinvestorsagency.com.au

The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly — follow on Apple Podcasts and Spotify.

General information only. Not financial or investment advice. Always seek advice based on your individual circumstances.

See omnystudio.com/listener for privacy information.

The Australian property market is running at COVID-level sentiment right now. Not because there is a financial crisis but because a budget announcement has spooked investors who have not yet separated the noise from the actual economics.

Darren sits back down with Ben Robinson, Director of Flint Group, to cut through it. This episode covers three things every investor needs to hear right now.

Why sentiment is the opportunity, not the warning: Australia has 110 statistical urban areas versus 2,600 in the US. Only 25% of properties go to auction, clearance rates cover a fraction of the market. That geography drives property prices. A budget cannot change it.

What the budget does to borrowing and where the money goes next: Most lenders have cut investor borrowing capacity by 19 to 20%. Sophisticated investors are leaving the $2M-plus range and heading into the $450k to $900k belt where yields sit at 4 to 4.5%. That range is about to get competitive.

Why your accountant, broker and buyer's agent need to be talking: Two accountants recently told clients with strong equity not to buy. The opportunity cost of doing nothing has never worked for anyone. Almost none of the right advisers, when properly informed, are telling clients to sit still.

Connect with Us:Instagram: @tiapropertybuyers
The Investors Agency — theinvestorsagency.com.au
Flint Group —  flintgroup.au

The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly — follow on Apple Podcasts and Spotify.

*This episode was recorded on 12 June 2026. Since recording, the negative gearing and CGT changes discussed have passed into law (Royal Assent: 26 June 2026). Broadly, as outlined in the episode, established properties held before Budget night (7:30pm, 12 May 2026) are grandfathered, and new builds remain exempt. The CGT discount will be replaced with indexation, alongside a 30% minimum tax from 1 July 2027.The Government has also introduced a ban on SMSFs entering new borrowing arrangements (LRBAs) for residential property, expected to commence around 10 August 2026 (45 days after Royal Assent). Existing SMSF loans are not affected. As this was not announced at the time of recording, it is not covered in the episode.

This content is general commentary only and does not constitute personal financial advice. Please speak with your broker, accountant, or financial adviser to discuss your individual circumstances.

See omnystudio.com/listener for privacy information.

Sentiment in the Australian property market right now sits at levels last seen during COVID. Not because there is a financial crisis but because a government budget announcement has spooked investors who have not yet separated the policy noise from the underlying economics.

This episode covers three things every investor needs to hear right now.

Why Australian property keeps rising regardless of policy:
Australia has only 110 statistical urban areas compared to 2,600 in the US across a similar land mass. Of 15,000 Australian suburbs, only around 4,200 are actually investable. The competition is always concentrated. A budget cannot change that.

Where the money goes after the budget:
Negative gearing changes push sophisticated investors out of $2M-plus properties and into the $500k–$700k range where yields already sit at 4 to 4.5%. An investor who was budgeting for one $3M property can now buy six at $500k. The competition that follows will not come from first home buyers.

Why low sentiment is the signal:
Sentiment today mirrors COVID 2022–2023 one of the strongest entry points in recent history. Less competition means more room in negotiations. Whatever gets decided in Canberra today is unlikely to be the driving factor in your portfolio return in 24 to 48 months.

Connect with Us:
Instagram: @tiapropertybuyers
theinvestorsagency.com.au

The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly — follow on Apple Podcasts and Spotify.

General information only. Not financial or investment advice. Always seek advice based on your individual circumstances.

See omnystudio.com/listener for privacy information.

She started at 25 with one property, no clients, and no mentor.

Today Emily Wallace has a 50,000-strong following, a thriving buyer's advocacy in Melbourne, and some very strong opinions about where the property market is heading.

This episode covers three things you need to hear right now.

Melbourne is about to move: 
• Emily has been buying in Melbourne through the lockdowns, the sentiment slump, and the years every other market ran ahead of it.
• Her take: it is a ticking time bomb.

What first home buyers actually need to know right now: 
• Emily has a rule she applies to every client before they start searching.
• She also gets into how the federal budget is about to squeeze first home buyers and investors into the same price band and why that creates a real problem for the people it was supposed to help.

Building a brand from zero in a market that did not take you seriously:
• The industry thought she was too young when she started.
• Consumers had never heard of a buyer's agent under $3 million because of The Block.
• She built an audience through education before she had a track record to sell.
• She breaks down exactly how she did it - the strategy she used on TikTok and why her education degree turned out to be the best qualification she could have had for this industry.

Connect with Us:
Instagram: @tiapropertybuyers
Website: https://tiaproperty.com.au/

Wallace Advocates - wallaceadvocates.com.au
The Investors Agency - theinvestorsagency.com.au

The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly, follow on Apple Podcasts and Spotify. General information only.

Not financial or property advice. Always seek advice based on your individual circumstances.

See omnystudio.com/listener for privacy information.

He ran 600 head of cattle on a 2.5 million acre station in the Northern Territory.Raced yachts across the Atlantic. Trained as an accountant.Then built one of Australia's most sophisticated mortgage broking operations.This is not a typical finance episode. 

Ben Robinson, Director of Flint Group, sits down with Darren to talk about what most investors never think about until it is too late and what the smartest property portfolios are doing differently right now. 

What we get into:

• The unicorn client - 9 properties, all personal name, 55% LVR, no ugly ducklings. Why he is almost impossible to replicate and what most investors do wrong trying to get there.
• The SMSF strategy that actually works and the one that does not. When to go residential, when to go commercial, and the fund balance you need before either makes sense. Ben gives the exact numbers.
• Why your accountant and your broker need to be in the same conversation before EOFY and what happens when they are not.
• The lending landscape right now. Banks are tightening. DTI limits are biting. Pre-approvals are being revised. What that means for investors who are active or about to be.
• How Ben has built a 22-person team across Australia and Nepal using AI to handle what used to take three people two days and what tool he is using to do it.
• The business model most brokers are running that leaves investors exposed and what a well-structured brokerage actually looks like on the inside.

This one is worth the full listen.If you have ever wondered whether your broker is actually ahead of your portfolio or just reacting to it, this episode answers that question.

Connect with Us:
Instagram: @tiapropertybuyers
Website: https://tiaproperty.com.au/

General information only. Not financial or lending advice. Always seek advice based on your individual circumstance.

See omnystudio.com/listener for privacy information.

House prices are not rising for the reasons people keep repeating.In this episode of the Lazy Equity Podcast, Mike Mortlock from MCG Quantity Surveyors, joins us to unpack the real forces behind the pressure in Australia’s housing market, beyond the headlines and the usual political noise.This is a sharp conversation for investors who want the full picture, not the simplified narrative.

In this episode, we cover:

• Why the investor debate can miss the bigger structural picture
• What changes to CGT and negative gearing could mean in today’s market
• Why the 1.2 million homes target is already falling short
• How labour shortages, construction blowouts, and planning delays are restricting supply
• Why renters, investors, and first home buyers are all under pressure at once
• What affordability pressure is doing to the market

If you have been trying to make sense of what is really happening behind Australia's rising property prices, this is a great place to start.

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Property markets do not move in one straight line and neither should your strategy.In this episode of the Lazy Equity Podcast, Darren, Justin, and Mike unpack one of the biggest questions property investors keep asking right now: when to buy, when to hold, and when it actually makes sense to sell.It is a practical conversation around timing, risk, cash flow, equity, and the difference between chasing fast growth versus building a portfolio that can keep moving.

In this episode, we cover:

• When selling can make sense and when holding is the stronger play
• Why equity, buffers, and yield matter more than people think
• How regional and metro markets can serve different investor strategies
• Why stronger yields can help keep investors in the game
• What the team is watching across Victoria, Tasmania, New South Wales, and Perth
• How Crystal helps flag shifts in affordability, growth, and market momentum

If you want a clearer understanding of how to think about timing, strategy, and opportunity across different markets, this episode is a great place to start.

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A fresh episode of the Lazy Equity Podcast is here, and this time Darren and Justin are diving into the questions every property investor is wrestling with. From rentvesting to upgrading your home, to whether you should buy in a trust or your own name, we’re breaking down the strategies everyday investors are weighing up and separating the myths from the data.Inside this episode, we cover:

• The rentvesting strategy vs upgrading your home multiple times, and which path actually accelerates wealth
• How your income and salary really determine what’s possible in today’s lending climate
• The pros and cons of buying in a trust versus in your personal name
• Key budgeting considerations most investors overlook when planning their first (or next) property
• Where to invest and how to avoid getting caught in the wrong market at the wrong time

This episode is perfect for new and growth-minded investors looking for clarity on strategy, structure, and smart decision-making in the property game.🎙️ Tune in now to get real answers to the questions every investor is asking.

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A brand new episode of the Lazy Equity Podcast has just dropped, and this week Justin is back in the studio with Darren to tackle the big question on every investor’s lips: what’s next for interest rates?

Rather than chasing headlines, we break down what the RBA’s latest move really means for borrowing, market demand, and long-term strategy. It’s a conversation that zooms out from short-term noise and focuses on what actually builds wealth over decades.

Inside this episode, we cover:

• The century-long average of 5% rates and why ultra-low COVID rates were never built to last
• Why property is the marriage, and rates are just the mood swings
• How government stimulus fuelled inflation and forced regulators to lift rates hard and fast
• The real power of leverage: using the bank’s money to grow, while inflation erodes your debt
• Why timing the market on rates is a trap, and why compounding equity is the real wealth driver

This episode is for investors seeking clarity in uncertain times and a sharper perspective on how to build and hold wealth through every market cycle.

🎙️ Tune in now to discover why the smartest play goes beyond predicting rates.

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