Money, mindset & the meaning of freedom: Stop making the banks rich
Stuck in the 9-to-5 grind, paying off interest after interest, and wondering who really benefits? (Spoiler: it’s not you.)

In this episode, we sit down with Oumi Kapila, founding team member at Locale Property Group and avid investor, to unpack what financial freedom actually means and the lessons he’s learned along the way.

We dive into the mindset shifts, smart money moves, and common traps to avoid if you're serious about building wealth, not just working for it.

Whether you’re looking to ditch debt, buy property, or take control of your financial future, this conversation is your wake-up call.

So, what does financial freedom mean to you? And what’s your next move?

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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.

Buying your first home can feel like stepping into a maze of mixed messages and surprise costs. But we’re here to clear things up.

In this episode, we’re joined by Brad Linford, Head of Finance at Locale Financial, who brings over 12 years of experience across banking, finance, and property. Together, we unpack the real costs of getting into the Property Market. From what’s actually needed for a deposit, to the sneaky upfront costs many first-home buyers underestimate.

Whether you're saving now or thinking about your next move, this episode will help you feel clear, confident, and in control. We back you with honest advice, smarter finance, and the right support from day one.

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.

Real estate isn’t just about transactions, it’s about people.

In this episode, we sit down with Justin Merendino, a local agent known for doing things the right way. From his deep community roots to his people-first approach, Justin shares what true service looks like in an industry that often forgets the human side.

At Locale, we believe the same: that trust, care, and clear guidance should be the norm, not the exception. And Justin’s story is a reminder of how powerful that can be.

Connect with our guest: Justin Merendino
Instagram: @justin_merendino_raywhite

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.

You don’t have to give up the lifestyle you love just to get into the property market.

In this episode, we’re joined by Conor from Locale Wealth, a Perth-based property strategist helping everyday Aussies make smarter property moves.

We’re breaking down rentvesting: a strategy where you buy in a high-growth area while continuing to rent where you actually want to live.

If you’re trying to get into the market without compromising on location, this could be a game-changer.

Connect with our guest: Conor Lloyd-Fox
LinkedIn: Conor Lloyd-Fox
Instagram: @thepropertyfox

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.

Buying your first home? There’s a lot that can go wrong, and we’ve seen it all.

In this episode, we’re unpacking real first home buyer horror stories and the costly mistakes people wish they’d avoided. From finance dramas to contract traps, this is your must-hear guide to doing it right the first time.

Connect with our guest: Adam Orlando
LinkedIn: Adam Orlando
Instagram: @buildwithadam_

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.

There’s a lot they don’t tell you about buying property, and we’re here to change that.

Own It is the straight-talking guide to homes, money, investing, and everything in between. Whether you’re buying your first place, planning to invest, or just want more financial freedom, this podcast is packed with honest advice, real stories, and practical tips to help you make smarter moves.

In the first few episodes, we’re diving into:

🚩 First home buyer horror stories (and how to avoid them)
🏡 What real customer service should look like in real estate, with local legend Justin Merendino
📈 Why rentvesting might be your smartest way in

We're not here to sugar-coat it. But we are here to make it make sense.

➡ Hit subscribe to make sure you don’t miss a single episode.

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

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

Learn more at localegroup.au