In this episode of the Lazy Equity Podcast, we had the pleasure of talking with Andy, a vibrant creative from Melbourne who navigated the challenging path of home buying with a unique twist. Faced with the high competition for a principal residence and unwilling to compromise on location, Andy embraced the concept of rentvesting. This approach allowed him to rent in his desired neighbourhood while owning an investment property in Perth.

Throughout the episode, Andy shares his journey from the arts industry to a career in teaching, highlighting how financial strategies like rentvesting can support those with minimal super and no conventional retirement plans. His story is a testament to the adaptability and creative thinking necessary for today's first home buyers.

To connect with Andy and follow his ongoing adventures in real estate and beyond, check out his links below:

Instagram: @andyportelli

In this episode of the Lazy Equity Podcast, we had the pleasure of talking with Andy, a vibrant creative from Melbourne who navigated the challenging path of home buying with a unique twist. Faced with the high competition for a principal residence and unwilling to compromise on location, Andy embraced the concept of rentvesting. This approach allowed him to rent in his desired neighbourhood while owning an investment property in Perth.
Throughout the episode, Andy shares his journey from the arts industry to a career in teaching, highlighting how financial strategies like rentvesting can support those with minimal super and no conventional retirement plans. His story is a testament to the adaptability and creative thinking necessary for today's first home buyers.
To connect with Andy and follow his ongoing adventures in real estate and beyond, check out his links below:
Instagram: @andyportelli

Join Darren Venter and Justin McBride as they bring a fresh, no-nonsense approach to property investing in Australia. Whether you're a first-time investor or looking to scale your portfolio, this podcast delivers insider insights, real experiences, and expert strategies to help you navigate the world of property investing.

Each episode is a laid-back but knowledge-packed conversation, featuring key lessons, market trends, and practical tips—all without the fluff. Expect candid discussions, personal investing stories, and special guests from within the industry who share their expertise and behind-the-scenes knowledge.

If you’re looking to build wealth, escape the 9-to-5, and take control of your financial future through property, you’re in the right place.

Subscribe now and start your property investment journey with confidence.

Join&nbsp;Darren Venter&nbsp;and&nbsp;Justin McBride&nbsp;as they bring a fresh, no-nonsense approach to property investing in Australia. Whether you're a first-time investor or looking to scale your portfolio, this podcast delivers&nbsp;insider insights, real experiences, and expert strategies&nbsp;to help you navigate the world of property investing. Each episode is a laid-back but knowledge-packed conversation, featuring&nbsp;key lessons, market trends, and practical tips&mdash;all without the fluff. Expect candid discussions, personal investing stories, and&nbsp;special guests&nbsp;from within the industry who share their expertise and behind-the-scenes knowledge. If you&rsquo;re looking to&nbsp;build wealth, escape the 9-to-5, and take control of your financial future through property, you&rsquo;re in the right place. Subscribe now and start your property investment journey with confidence.

The Lazy Equity Podcast | The Investors Agency

Join Darren Venter and Justin McBride as they bring a fresh, no-nonsense approach to property investing in Australia. Whether you're a first-time investor or looking to scale your portfolio, this podcast delivers insider insights, real experiences, and expert strategies to help you navigate the world of property investing.

Each episode is a laid-back but knowledge-packed conversation, featuring key lessons, market trends, and practical tips, all without the fluff. Expect candid discussions, personal investing stories, and special guests from within the industry who share their expertise and behind-the-scenes knowledge.

If you’re looking to build wealth, escape the 9-to-5, and take control of your financial future through property, you’re in the right place.

Subscribe now and start your property investment journey with confidence.

Join Darren Venter and Justin McBride as they bring a fresh, no-nonsense approach to property investing in Australia. Whether you're a first-time investor or looking to scale your portfolio, this podcast delivers insider insights, real experiences, and expert strategies to help you navigate the world of property investing.
Each episode is a laid-back but knowledge-packed conversation, featuring key lessons, market trends, and practical tips, all without the fluff. Expect candid discussions, personal investing stories, and special guests from within the industry who share their expertise and behind-the-scenes knowledge.
If you&rsquo;re looking to&nbsp;build wealth, escape the 9-to-5, and take control of your financial future through property, you&rsquo;re in the right place. Subscribe now and start your property investment journey with confidence.

Lazy Equity

S1 - E26 | Andy Portelli: Embracing Rentvesting as a Creative Path to Homeownership

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.

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 &mdash; follow on Apple Podcasts and Spotify.
General information only. Not financial or investment advice. Always seek advice based on your individual circumstances.

S3 EP8 | Property Q&A: Is the Property Market Actually Crashing?

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.

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:&nbsp; Instagram: @tiapropertybuyers Website:&nbsp;<a href="http://theinvestorsagency.com.au" data-test="link-preview-plain">theinvestorsagency.com.au</a>
The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly &mdash; follow on Apple Podcasts and Spotify.
General information only. Not financial or investment advice. Always seek advice based on your individual circumstances.

S3 EP7 | Property Investors: Stop Following the Herd Before It's Too Late

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.

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 &mdash; <a href="http://theinvestorsagency.com.au" data-test="link-preview-plain">theinvestorsagency.com.au</a> Flint Group &mdash; &nbsp;<a href="http://flintgroup.au" data-test="link-preview-plain">flintgroup.au</a> The Lazy Equity Podcast by The Investors Agency. New episodes fortnightly &mdash; 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.

S1 - E26 | Andy Portelli: Embracing Rentvesting as a Creative Path to Homeownership

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