Own It - Your Property Partner

Whether you’re a first home buyer or an investor, Queensland has plenty of opportunities to explore, but knowing where to look matters.
Host Adam Schaal and New Home Advocate Brendan Ford break down the Queensland hotspots worth having on your radar, what’s driving growth in these areas, and what buyers should consider before making their next move.

Thinking about buying or building in Queensland? This is a great place to start.

See more from Adam: 
LinkedIn:    / adam-schaal   
Website: https://localefinancial.com.au/ | https://localehomes.com.au/ | https://localewealth.com.au/

About Brendan Ford:
Brendan Ford is a New Homes Advocate with over 10 years around the construction industry. A husband, dad and genuine people person, he loves connecting with people, hearing their stories and having a laugh along the way.

See more from Brendan:
LinkedIn: https://www.linkedin.com/in/brendan-ford-2568342a9/
Instagram: https://www.instagram.com/brendanford_/

ABOUT OWN IT - Your Property Partner Real stories. Real lessons. Real talk. Buying your first home, upgrading, or investing? It is a big move and you do not have to go it alone. Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

FOLLOW US FOR MORE 
Locale Homes 
Helping West Australians buy and build new homes, minus the overwhelm. 
Instagram: @localehomesau 
TikTok: @locale.homes 
Website: localehomes.com.au 

Locale Wealth 
Smart property strategies, simplified for rentvestors, investors, and future-you. Instagram: @localewealth 
TikTok: @localewealth 
Website: localewealth.com.au
 
Locale Financial 
Home loan experts who work for you, not the bank, so you can buy with clarity and confidence
Instagram: @localefinancial 
TikTok: @localefinancial 
Website: localefinancial.com.au 

Locale Property Group is the team behind Locale Homes, Locale Wealth, and Locale Financial, on a mission to help Australians build, grow, and own their futures. From securing your first home to growing wealth through property or navigating finance with clarity, we're here to simplify the journey and deliver real results. As client advocates, we offer honest guidance every step of the way, not just selling homes or loans, but reshaping how Australians experience property.

Negative gearing is gone on established property, CGT has been rewritten, and there is now a death tax and a divorce tax. So who actually wins?

In this episode, our host Adam Schaal sits down with Bradley Linford, Head of Finance at Locale Financial, to break down the new budget and what it really means for first home buyers, mum and dad investors, and anyone trying to get ahead.

They unpack the negative gearing changes, the new CGT indexation rules, the ambiguity banks still cannot resolve, and why they believe this shock period is the best buying window in years.

We cover:

○ Negative gearing stripped from established property and what it does to rentvesting and borrowing capacity
○ Why rents are already up around 10 percent when the modelling said 1 percent
○ The new CGT rule explained simply: the old 50 percent discount vs inflation indexation and a 30 percent minimum
○ How the first home buyer deposit scheme income caps overstimulated the market
○The death tax and divorce tax, who is exempt, and the fix being talked about
○ CGT on business and why tech founders are looking at Dubai and Miami
○ Why investors are being pushed into new builds, right where first home buyers thrived
○ Housing targets, migration, and the 35,000 fewer homes a year problem

0:00 Introduction
2:01 Where Is the Lie
3:39 Building Without the Bullshit: Negative Gearing
10:22 CGT Across Every Asset Class
19:23 Be Greedy When Others Are Fearful
24:15 Capital Gains: Old Rule vs New Rule
33:33 The Death Tax and the Divorce Tax
41:34 Think You're Ready?
46:21 Bring It to the Table
47:15 Lock It Up

DOWNLOAD THE TAX REFORM GUIDE
https://localewealth.com.au/tax-playbook/

Whether you are a first home buyer on the sidelines or an investor rethinking your strategy, this is the clearest breakdown of the budget and what to do next.

Get educated, get the right advice, and decide on your circumstances, not the headlines.

Locale Homes | Helping West Australians buy and build new homes, minus the overwhelm.

Don't forget to like, comment, and subscribe for more!


ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he is known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:
LinkedIn: https://www.linkedin.com/in/adam-schaal/
Website: https://localefinancial.com.au/ | https://localehomes.com.au/ | https://localewealth.com.au/

ABOUT BRADLEY LINFORD

Bradley Linford is the Head of Finance at Locale Financial. With 12+ years in banking, finance, and property, Bradley is a seasoned expert who understands both sides of the property journey. He's been the buyer, seller, investor, and even strata treasurer, so when it comes to finance, he truly gets what's at stake. As Head of Finance, Bradley blends leadership with mentorship, empowering both clients and brokers to succeed. His passion lies in simplifying the lending process and ensuring every buyer feels confident, informed, and cared for.

See more from Bradley:
LinkedIn: https://www.linkedin.com/in/brad-linford/
Website: https://localefinancial.com.au/

ABOUT OWN IT - Your Property Partner

Real stories. Real lessons. Real talk. Buying your first home, upgrading, or investing? It is a big move and you do not have to go it alone. Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

Podcast/Blog: https://open.spotify.com/show/6mJ6RDV
Presented by: Locale Property Group
Facebook: localewealth
Instagram: localewealth
TikTok: localewealth
YouTube: @localepropertygroup

FOLLOW US FOR MORE

Locale Homes 

Instagram: @localehomesau
TikTok: @locale.homes
Website: localehomes.com.au
Locale Wealth Instagram: @localewealth
TikTok: @localewealth
Website: localewealth.com.au

Locale Financial

Instagram: @localefinancial
TikTok: @localefinancial
Website: localefinancial.com.au

Could the new tax changes be quietly pricing the next generation out of home ownership?

In this episode, our host Adam Schaal continues the conversation with Michael McGowan, Executive Director of HIA (Housing Industry Association), for a bonus follow-up on the recent federal budget and its tax changes.

They break down what the changes to CGT and negative gearing really mean for housing supply, investors, and first-home buyers trying to get into the market.

We cover:

Why Treasury's own figures point to less housing supply, not more
Whether the CGT and negative gearing changes will actually improve affordability
How investors could end up competing directly with first-home buyers for the same homes
Why investors aren't the real reason behind the housing shortage
The impact on rentvestors and why they deserve as much support as first-home buyers
How granny flats are becoming a workaround for growing families and investors alike
The missed opportunity in Perth's middle-ring suburbs, 5 to 20km from the city

1:18 Will the Budget Changes Slow Down Building?
3:52 Are Investors Elbowing Out First-Home Buyers?
5:48 Same Tax, More Burden on Every Asset Class
6:34 Are Investors to Blame for the Housing Shortage?
7:55 What This Means for the Next Generation
9:33 Granny Flats as a Workaround
10:36 Untapped Opportunity in Middle-Ring Suburbs

Whether you're a first-home buyer, an investor, or just trying to make sense of what the budget actually changes, this episode gives you the real picture.

We've almost taken away the opportunity for the next generation to build a platform to be successful.

Locale Wealth | Smart property strategies, simplified for rentvestors, investors, and future-you.

Don't forget to like, comment, and subscribe for more!

ABOUT ADAM SCHAAL
Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he is known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:
LinkedIn: https://www.linkedin.com/in/adam-schaal/
Website: https://localefinancial.com.au/ | https://localehomes.com.au/ | https://localewealth.com.au/

ABOUT MICHAEL McGOWAN
Michael McGowan is the Executive Director of HIA (Housing Industry Association) in Western Australia, a role he has held for over seven years. With a career built on advocacy, industry education, and policy reform, Michael works closely with state and federal governments to strengthen housing supply, improve affordability, and support the residential construction sector.

See more from Michael:
Website: https://hia.com.au
LinkedIn: https://www.linkedin.com/in/michaelmcgowanhia/

ABOUT OWN IT - Your Property Partner
Real stories. Real lessons. Real talk. Buying your first home, upgrading, or investing? It is a big move and you do not have to go it alone. Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

Podcast/Blog: https://open.spotify.com/show/6mJ6RDV
Presented by: Locale Property Group
Facebook: localewealth
Instagram: localewealth
TikTok: localewealth
YouTube: @localepropertygroup

FOLLOW US FOR MORE

Locale Homes
Helping West Australians buy and build new homes, minus the overwhelm.
Instagram: @localehomesau
TikTok: @locale.homes
Website: localehomes.com.au

Locale Wealth
Smart property strategies, simplified for rentvestors, investors, and future-you.
Instagram: @localewealth
TikTok: @localewealth
Website: localewealth.com.au

Locale Financial
Home loan experts who work for you, not the bank, so you can buy with clarity and confidence
Instagram: @localefinancial
TikTok: @localefinancial
Website: localefinancial.com.au

Locale Property Group is the team behind Locale Homes, Locale Wealth, and Locale Financial, on a mission to help Australians build, grow, and own their futures. From securing your first home to growing wealth through property or navigating finance with clarity, we're here to simplify the journey and deliver real results. As client advocates, we offer honest guidance every step of the way, not just selling homes or loans, but reshaping how Australians experience property.

Is the quality of new builds really getting worse, or is that just the narrative?

In this episode, our host Adam Schaal sits down with Michael McGowan, Executive Director of HIA (Housing Industry Association), to cut through the noise on new build quality, the housing supply crisis, and what's really holding the industry back.

They unpack the real state of the market, the biggest headwinds builders are facing, and what government needs to do to unlock more housing supply.

We cover:

• Why the industry is at a real intersection, and what needs to happen to build more homes faster
• The truth about defects, what warranties protect buyers, and why COVID disrupted quality
• Land, labour, and regulation: the three biggest headwinds facing the industry
• Medium density code changes and their impact on housing supply
• What HIA is pushing government on: stamp duty, planning reform, local government consolidation
• Building brokers: do they add value or take away from the industry?
• Pre-90s homes vs today: which are actually built better?
• CGT and negative gearing, are we doomed to repeat history?

0:00 Introduction
1:12 Meet Michael McGowan
1:48 What Is HIA and What Do They Do?
3:32 Where Is the Lie
5:39 The Current Market
5:54 Biggest Industry Win in the Last Few Years
7:35 Land Supply and Affordability
8:53 Government Bottlenecks
9:59 HIA Advocacy with Government
10:59 Trade Supply and Workforce
12:49 Housing Targets vs Reality
14:44 Defects, Warranties and Consumer Protections
17:31 COVID Impact on Quality
19:55 Most Common Complaints HIA Receives
23:02 Defects Across Build Types
24:49 Trade Base and High-Density Challenges
27:09 Biggest Headwinds: Land, Labour, Regulation
28:45 Policies HIA Is Pushing For
31:30 Medium Density Code Changes
34:29 What Should Government Do to Stimulate Housing?
37:12 Industry Changes in the Next 24 Months
38:05 Michael's Legacy at HIA
40:15 Think You're Ready?
43:56 Bring It to the Table
45:02 Lock It Up


Whether you are a first home buyer, an investor, or just trying to make sense of the housing market, this is the clearest picture yet of where the industry is heading and why.

Do your research, ask the right questions, and make sure the people around you are setting you up for success.

Locale Homes | Helping West Australians buy and build new homes, minus the overwhelm.

Don't forget to like, comment, and subscribe for more!

ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he is known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:
LinkedIn: https://www.linkedin.com/in/adam-schaal/
Website: https://localefinancial.com.au/ | https://localehomes.com.au/ | https://localewealth.com.au/


ABOUT MICHAEL McGOWAN

Michael McGowan is the Executive Director of HIA (Housing Industry Association) in Western Australia, a role he has held for over seven years. With a career built on advocacy, industry education, and policy reform, Michael works closely with state and federal governments to strengthen housing supply, improve affordability, and support the residential construction sector.

See more from Michael:
Website: https://hia.com.au
LinkedIn: https://www.linkedin.com/in/michaelmcgowanhia/


ABOUT OWN IT - Your Property Partner

Real stories. Real lessons. Real talk. Buying your first home, upgrading, or investing? It is a big move and you do not have to go it alone. Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

Podcast/Blog: https://open.spotify.com/show/6mJ6RDV
Presented by: Locale Property Group
Facebook: localewealth
Instagram: localewealth
TikTok: localewealth
YouTube: @localepropertygroup


FOLLOW US FOR MORE

Locale Homes
Instagram: @localehomesau
TikTok: @locale.homes
Website: localehomes.com.au

Locale Wealth
Instagram: @localewealth
TikTok: @localewealth
Website: localewealth.com.au

Locale Financial 
Instagram: @localefinancial 
TikTok: @localefinancial
Website: localefinancial.com.au

North or South Perth — where should you actually be investing right now?

In this episode, Nash Sivayanam and Conor Lloyd-Fox, both Senior Investment Partners at Locale Property Group, go head to head on the best growth corridors in Perth for investors and first home buyers alike.

They break down the suburbs they're each backing right now, why Perth's property market is still playing catch-up, and how to get ahead of the curve before the infrastructure arrives and prices follow.

We cover:

North vs South — the case for each side, suburb by suburb
Why Eglinton, Sinagra, Mariginiup, and Brabham are the North's ones to watch
Why Baldivis, Karnup, and Mundijong-Whitby are the South's hidden gems
How to stop investing emotionally and start investing on the figures
Why Perth's rapid price growth is actually a natural catch-up — not a bubble
The AUKUS and DHA angle — and how it opens up opportunities in the South
Growth predictions for each suburb heading into 2025 and beyond

Whether you're a first home buyer trying to get a foothold or an investor looking for your next move, this episode gives you the insider view on where Perth's growth is actually heading.
Don't wait until everyone else is talking about it. Get in ahead of the curve.

0:00 Introduction
0:20 North's Case: Eglinton
2:18 South's Case: Baldivis
4:22 Rockingham — The Mini City Next Door
5:04 Karnup: The Hidden Gem
6:09 Mundijong-Whitby and Tail Springs
7:34 Land Supply Crunch in the North
8:44 Sinagra and Mariginiup: The Next Big Thing
9:28 Brabham: Feeding Off Ellenbrook
10:42 Brabham's Stats: Population Growth and Rental Yield
12:15 Baldivis Land Prices and the Mandogalup Effect
13:24 Getting Ahead of the Curve
14:06 Baldivis Lifestyle: Beach, Pubs, and Schools
16:25 Lifestyle as an Investment Factor
17:14 Brabham vs Baldivis Head to Head
18:40 Rockingham: One of Australia's Safest Suburbs
19:23 Sinagra and Mariginiup: Early Entry, Big Upside
22:32 Is Perth's Growth a Bubble or a Catch-Up?
24:18 Demand Outstripping Supply Until 2030
26:47 Investing With Your Head, Not Your Heart
28:02 Growth Predictions: North vs South
29:42 Wrap Up

Locale Homes | Helping West Australians buy and build new homes, minus the overwhelm.
Don't forget to like, comment, and subscribe for more!

ABOUT NASH SIVAYANAM

Nash Sivayanam is a Senior Investment Partner at Locale Property Group, specialising in Perth's southern growth corridors. With a focus on data-driven investment strategy, Nash helps first home buyers and investors identify the right opportunities before the market catches up.

ABOUT CONOR LLOYD-FOX

Conor Lloyd-Fox is a Senior Investment Partner at Locale Property Group, with a deep focus on Perth's northern growth corridors. Known for his practical, client-first approach, Conor helps buyers get ahead of the curve in some of Perth's most in-demand emerging suburbs.

ABOUT OWN IT - Your Property Partner

Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing? It's a big move and you don't have to go it alone.

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.
To know more about Own It Your Property Partner, you can visit the links below:

Podcast/Blog: https://open.spotify.com/show/6mJ6RDVDZNU4Ov7aoH6FdA
Presented by: Locale Property Group
Facebook: localewealth
Instagram: localewealth
TikTok: localewealth
YouTube: @localepropertygroup

FOLLOW US FOR MORE

Locale Homes

Helping West Australians buy and build new homes, minus the overwhelm.

Instagram: @localehomesau
TikTok: @locale.homes
Website: localehomes.com.au

Locale Wealth

Smart property strategies, simplified for rentvestors, investors, and future-you.
Instagram: @localewealth
TikTok: @localewealth
Website: localewealth.com.au

Locale Financial

Home loan experts who work for you, not the bank, so you can buy with clarity and confidence
Instagram: @localefinancial
TikTok: @localefinancial
Website: localefinancial.com.au


Locale Property Group is the team behind Locale Homes, Locale Wealth, and Locale Financial, on a mission to help Australians build, grow, and own their futures. From securing your first home to growing wealth through property or navigating finance with clarity, we're here to simplify the journey and deliver real results. As client advocates, we offer honest guidance every step of the way, not just selling homes or loans, but reshaping how Australians experience property.

Are you thinking about building your first home but not sure where to start or whether you even need a building broker?

In this episode, our host Adam Schaal sits down with Daniel Dinelli, General Manager Sales at Move Homes, to unpack the rise of the building broker and why it's reshaping how Australians buy and build their first home.

They break down exactly what a building broker does, why Move Homes made the bold decision to ditch their internal sales team and go broker-only, and why the shift in consumer behaviour mirrors what we've already seen with mortgage brokers, Uber, and Netflix.

We cover:
• What a building broker actually is, and what they do for first home buyers 
• Why the shift to brokers is a natural evolution, just like mortgage broking and ride share 
• How to be sceptical of online forums like Building in Perth, and why they don't always tell the full story
• Why Move Homes chose brokers as their preferred sales model and what that means for clients
• What separates a great broker from an average one 
• Whether clients pay more going through a broker
• What COVID taught the building industry about communication, accountability, and trust

Whether you're a first home buyer or a first time investor, this episode gives you the honest, unfiltered picture of how the building industry really works, and how to use it to your advantage.

Don't just take what you read online at face value. Get educated, ask the right questions, and build with confidence.

Locale Homes | Helping West Australians buy and build new homes, minus the overwhelm.

Don't forget to like, comment, and subscribe for more!


ABOUT ADAM SCHAAL
Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he's known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam: LinkedIn: https://www.linkedin.com/in/adam-schaal/ Website: https://localefinancial.com.au/ https://localehomes.com.au/ https://localewealth.com.au/


ABOUT DANIEL DINELLI
Daniel Dinelli is the General Manager Sales at Move Homes, the first home buyer division of Prime Group. With 18 years of experience in property, Daniel grew up surrounded by the industry — it's been in his family for generations. Starting out in account management and land acquisitions, he now combines his passion for people and property to help first home buyers build a home they're proud of.

See more from Daniel:
LinkedIn:  https://www.linkedin.com/in/danieldinelli/
Company Website: https://www.movehomes.com.au/build-with-daniel/
Instagram: https://www.instagram.com/movehomes/
TikTok: https://www.tiktok.com/@move_homes


ABOUT OWN IT - Your Property Partner
Real stories. Real lessons. Real talk. Buying your first home, upgrading, or investing? It's a big move and you don't have to go it alone. Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

To know more about Own It Your Property Partner, you can visit the links below:

Podcast/Blog: https://open.spotify.com/show/6mJ6RDV
Presented by: Locale Property Group
Facebook: localewealth
Instagram: localewealth
TikTok: localewealth
YouTube: @localepropertygroup


FOLLOW US FOR MORE
Locale Homes Helping West Australians buy and build new homes, minus the overwhelm.

Instagram: @localehomesau
TikTok: @locale.homes
Website: localehomes.com.au

Locale Wealth Smart property strategies, simplified for rentvestors, investors, and future-you.

Instagram: @localewealth
TikTok: @localewealth
Website: localewealth.com.au

Locale Financial Home loan experts who work for you, not the bank, so you can buy with clarity and confidence Instagram: @localefinancial
TikTok: @localefinancial
Website: localefinancial.com.au


Locale Property Group is the team behind Locale Homes, Locale Wealth, and Locale Financial, on a mission to help Australians build, grow, and own their futures. From securing your first home to growing wealth through property or navigating finance with clarity, we're here to simplify the journey and deliver real results. As client advocates, we offer honest guidance every step of the way, not just selling homes or loans, but reshaping how Australians experience property.

Are you earning great money in FIFO but struggling to actually build wealth? You could be leaving thousands on the table and not even know it.

In this episode, our host Adam Schaal sits down with Tegan Larkins, Managing Director of Talent Mining & Minerals and host of The Mining Mum Podcast, to unpack one of the most costly mistakes high-income earners make: not having a financial plan.

They break down exactly how salary sacrificing works, why the "golden handcuffs" of mining income can trap you, and why so many FIFO workers put off getting educated about money despite the clear financial upside.

We cover:

• The real power of salary sacrificing into shares and super—and how it helped Tegan build her home deposit
• The "golden handcuffs" trap and how high income can actually cost you if you don't have a plan
• The barriers that stop FIFO workers from getting financially educated (and why most of them aren't as real as you think)
• How to take action today and start building real wealth
• Women closing the wealth gap through open conversations about money
• Why getting interested in your money early can completely change your future

Whether you're considering FIFO work, already in the industry, or just earning solid income, this episode could be the nudge that helps you stop leaving money on the table.

Don't forget to like, comment, and subscribe for more!

ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he's known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:

LinkedIn: https://www.linkedin.com/in/adam-schaal/

Website:

https://localefinancial.com.au/ https://localehomes.com.au/ https://localewealth.com.au/

ABOUT TEGAN LARKINS

Tegan Larkins is the Managing Director of Talent Mining & Minerals and the host of The Mining Mum Podcast. Based in Western Australia, she has worked in the mining industry for 10 years and now uses her platform to spotlight people in the mining and resources sector. Through The Mining Mum, she shares conversations around FIFO life, mining careers, family, industry pressures, and the real stories behind people working in mining.

See more from Tegan:

Instagram: @miningmum Spotify: https://open.spotify.com/show/0pG0VpYw4efjNnV6NoQD7r Apple Podcasts: https://podcasts.apple.com/au/podcast/the-mining-mum/id1775364763 Website: https://www.talentminingandminerals.com/

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing? It's a big move and you don't have to go it alone.

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

To know more about Own It Your Property Partner, you can visit the links below:

Presented by: Locale Property Group

YouTube: https://www.youtube.com/@LocalePropertyGroup

Are you still on the same home loan you signed up for years ago? 

 You could be paying thousands more than you need to and not even know it.

 In this episode, our host Adam Schaal sits down with Ankit Kaushik, a broker at Locale Financial, to unpack one of the most common (and costly) mistakes Australian homeowners make: doing nothing with their mortgage.

They break down exactly what refinancing is, why your loyalty to your lender could be quietly costing you up to $7,000 a year, and why so many people put it off despite the clear financial upside.

We cover:

• The real benefits of refinancing, from lower repayments to accessing equity
• The "loyalty tax" and how staying with your current lender can quietly drain your wallet
• The barriers that stop people from refinancing (and why most of them aren't as real as you think)
• How to take action today and start saving

Whether you're a first-time homeowner or a seasoned investor, this episode could be the nudge that saves you thousands.

Don't set and forget your mortgage, aim to set and optimise it.

 Locale Financial | Expert mortgage broking for everyday Australians.

 Don’t forget to like, comment, and subscribe for more!

 ABOUT ADAM SCHAAL 

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia’s property and construction industry. With decades of experience and billions in property transactions, he’s known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

 See more from Adam: 

LinkedIn: https://www.linkedin.com/in/adam-schaal/

Website: 

• https://localefinancial.com.au/        
• https://localehomes.com.au/
• https://localewealth.com.au/

 ABOUT ANKIT KAUSHIK 

Ankit’s path into broking is backed by a solid foundation in accounting and residential lending, along with a people-first approach shaped by his early career in customer service and sales. He’s a University of Wollongong commerce graduate (with distinction), holding a Cert IV in Finance Broking. Known for his approachable and detail-driven style, Ankit makes home finance feel clear and stress-free, especially for first-time buyers navigating the unknown.

 ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk. 

Buying your first home, upgrading, or investing? It’s a big move and you don’t have to go it alone. 

 Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.  

 To know more about Own It Your Property Partner, you can visit the links below:

Presented by: Locale Property Group

YouTube: https://www.youtube.com/@LocalePropertyGroup

Thinking about buying your first home but worried about hidden costs or builder traps?

In this episode, we chat with Brooko about what Perth millennials are facing in today’s competitive property market.

We cover:
 • Build vs Established: Brooko breaks down the real pros and cons for first-home buyers.
• Hidden Costs & Builder Red Flags: Learn how “from price” marketing, site costs, and sales tactics can catch buyers off guard.
• Smart First-Home Moves: Tips on deposits, LMI, the 5% scheme, and why borrowing smart matters more than borrowing big.

If you’re planning your first home, this episode is a must-listen. Tune in and share it with someone taking their first step into the market.

Learn more at https://localehomes.com.au/

Don’t forget to like, comment, and subscribe for more!

ABOUT BROOKO MOVES

Brooko Moves is a Perth-based content creator who documents the real journey of millennials navigating the housing market. Through honest videos and insights, she breaks down the challenges of saving for a deposit, dealing with builders, and understanding the hidden costs of buying a home in today’s market. Her content aims to educate and empower first-home buyers to make smarter property decisions.

See more from Brooko:

Instagram:https://www.instagram.com/brooko_moves 

YouTube:https://www.youtube.com/@brookomoves

ABOUT ADAM SCHAAL 

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia’s property and construction industry. With decades of experience and billions in property transactions, he’s known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam: 

LinkedIn: https://www.linkedin.com/in/adam-schaal

Website: https://localewealth.com.au/

               https://localehomes.com.au/

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk. 

Buying your first home, upgrading, or investing? It’s a big move and you don’t have to go it alone. 
 

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.  

To know more about Own It Your Property Partner, you can visit the links below:

• Podcast/Blog: https://open.spotify.com/show/6mJ6RDVDZNU4Ov7aoH6FdA

Presented by: Locale Property Group

• Facebook: https://www.facebook.com/localewealth
• Instagram: https://www.instagram.com/localewealth/
• TikTok: https://www.tiktok.com/@localewealth
• YouTube: https://www.youtube.com/@LocalePropertyGroup

Waiting might be the most expensive mistake first-home buyers make in 2026.

In this episode of Own It: Your Property Partner, Adam sits down with Lori Pirozzi, new home advocate at Locale Homes, to unpack what’s really happening in the Western Australia property market — and what first home buyers need to understand right now.

With land shortages, strong migration, constrained builder pipelines, and rising prices across WA, this episode cuts through the noise and delivers practical, up-to-date advice for anyone trying to enter the property market.

If you’re wondering whether to wait for an interest rate cut or take action now, this conversation is essential listening.

Learn more at https://localehomes.com.au/

Don’t forget to like, comment, and subscribe for more!

ABOUT LORI PIROZZI

Lori Pirozzi is a New Home Advocate at Locale Homes, where she helps first-home buyers navigate the journey of securing the right house and land package with clarity and confidence. With years of experience leading teams and mentoring others, Lori takes a people-first approach, building genuine relationships and delivering tailored solutions that align with her clients’ long-term goals.

In addition to her role in property, Lori is the Co-Founder of skincare brand Glow Culture. Outside of work, she describes herself as an “unenthusiastic dance mum” (her words), a paddleboard enthusiast, and a firm believer in balance, growth, and backing yourself.

See more from Lori:
LinkedIn: https://www.linkedin.com/in/lori-pirozzi-65050142/

ABOUT ADAM SCHAAL 

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia’s property and construction industry. With decades of experience and billions in property transactions, he’s known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam: 

LinkedIn: https://www.linkedin.com/in/adam-schaal

Website: https://localewealth.com.au/

               https://localehomes.com.au/

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk. 

Buying your first home, upgrading, or investing? It’s a big move and you don’t have to go it alone. 

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.  

To know more about Own It Your Property Partner, you can visit the links below:

• Podcast/Blog: https://open.spotify.com/show/6mJ6RDVDZNU4Ov7aoH6FdA

Presented by: Locale Property Group

• Facebook: https://www.facebook.com/localewealth
• Instagram: https://www.instagram.com/localewealth/
• TikTok: https://www.tiktok.com/@localewealth
• YouTube: https://www.youtube.com/@LocalePropertyGroup