Getting you financially fit is our ultimate goal.
Through Locale’s finance experts you’ll get access to a wide range of competitive home loans that suit your lifestyle and support your future aspirations.
Together, we help you navigate all the financial considerations and requirements, providing you with expert guidance, so you are empowered to make the right decision.
You need us to be transparent and real. We’ll always tell you what you need to hear, not just what you want to hear.
We do the legwork to present you with the right options, as well as advocating for your needs when negotiating with lenders and unlocking government incentives. With access to low deposit options, and even $0 deposit home loans*, you might be quite surprised at how quickly we can make your perfect place possible.
For a customised financial solution that meets your unique needs, contact our team today.Â
Unlock your government incentives
You could be eligible for thousands in government grants and concessions that make owning your first home more affordable. These incentives are time-sensitive and often limited, but that’s where we come in. We’ll help you understand what you qualify for and move fast to lock it in, so you don’t miss out.
$25,000 deposit boost
If you’re already paying rent that’s basically a mortgage in disguise, but saving the deposit? That’s the hard part. That’s why we created the $25,000 Deposit Boost. This exclusive grant helps you clear the biggest hurdle to homeownership, fast-tracking your journey to your first home.
We invest in relationships with our developer partners, from Australia’s largest master-planned communities to small boutique developments, providing you with the largest selection of land from Two Rocks to Mandurah, all the way down to the Margaret River, and everywhere in between.
Stamp duty, also known as transfer duty, is a tax that applies to all property and land purchases or transfers. However, when you build a home, you do not pay stamp duty on the house, as there’s no transfer taking place. You only pay stamp duty on the block of land you purchase.
In Western Australia, first home buyers do not pay stamp duty on land purchased up to the value of up to $450,000. For land purchased between $450,000 and $550,000, there are concessions available, which reduce the amount of stamp duty payable.
This is something to consider when deciding between building your first home or buying an established one – it could result in significant savings.
Building a new home involves a lot of moving parts: from finding land and choosing a design, to comparing builders, understanding contracts, and managing costs. For most buyers, it’s unfamiliar territory.
A building broker helps you make sense of it all.
Just like a mortgage broker compares lenders, a building broker compares builders, helping you navigate the process with less stress and better outcomes.
People choose to work with a building broker because they want:
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Independent advice – not recommendations based on a builder’s bottom line.
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More builder and design choices – without having to shop around or be stuck with what one builder has on offer.
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Clarity on pricing and inclusions – including hidden costs that might catch you off guard.
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Guidance on timelines, contracts and the process – transparent and explained in plain language.
- Support from start to finish – from planning to key handover.
It’s about saving time, money, and hassle, while gaining confidence in your decisions.
Your new home journey deserves a better buying experience.
There is a type of loan that is specifically designed for house and land packages. It’s called a construction home loan, and it works a bit differently than a loan for an established property.
When you settle on the land, the lender won’t give you all of the funds from the loan. Instead, they’ll partially draw your home loan and release some of the funds to purchase the land. The remaining funds will be held by the lender and used to pay the builder’s progress claims as you reach certain milestones during construction.
Because of this, during the construction phase, your repayments will be reduced as you’ll only be required to pay the interest. Once your home loan is fully drawn (meaning you’ve paid the builder in full and received your keys), you’ll start making principal and interest payments.
Going straight to a builder often means you’re only seeing one option. Their homes, their pricing, their terms.
A building broker works differently. We act as your advocate, comparing multiple builders and designs to help you find the best fit for your needs, goals, and budget.
Here’s why people choose a broker over going it alone:
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More choice: We compare a wide range of builders and floorplans — not just one catalogue.
- Peace of mind: Rely on the people in the know, who have vetted builders and selected those who will deliver.
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Impartial advice: We’re not tied to any one builder, so our guidance is genuinely in your best interest.
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Better deals: With insider industry knowledge, we can negotiate inclusions, price holds, build times and more.
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Clarity and confidence: We explain contracts, flag hidden costs, and break down the fine print so nothing catches you off guard.
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Ongoing support: From land sourcing to key handover, we’re by your side the whole way. We’re your property partner for life, after all.
Put simply: you get more value, less stress, and a better build experience when you have an expert in your corner.
So, how do you decide on the budget for your first home? Determining your borrowing capacity for your first home involves several factors that assess your ability to meet home loan repayments. The process is crucial for banks and lenders to ensure responsible lending practices. Here’s what they typically consider:
- Income
- Assets
- Debts
- Living expenses
- Credit score
- Property value
- Type of home loan
- Deposit amount
No, it doesn’t cost you a cent more.
Building brokers, like us, are paid by the builder – the same way a sales rep working at a builder would be. The difference? We work for you, not them.
Instead of pushing one builder’s product, we compare a panel of trusted builders who have been handpicked for their quality, reliability, and customer care. We constantly review this panel to ensure they’re still delivering on time, to standard, and without overpromising and taking on too much work (because this will hurt your build experience in the long run).
So while the builder pays us, our loyalty is to you.
Yes! Locale helps you stack the 5% Deposit Scheme (previously known as the First Home Guarantee (FHBG), stamp duty concessions, and even our Deposit Boost with the scheme.
Eligibility criteria apply.
Locale Financial
Your partner in possibility.
You’re not just applying for a loan; you’re building a future. The team at Locale Financial, we get that. That’s why we go beyond the numbers, offering real support, real solutions, and zero lender bias.
We’re here to guide you with clarity, not pressure, fitting finance around your goals, not the other way around. Because with the right partner, anything’s possible.
Let’s find you the perfect loan, for your perfect place.
We find you the best finance solution to suit both your current needs and future life goals.
*All finance services are provided by Locale Financial trading as Locale Financial ABN 71 640 621 352. Corporate Credit Representative Number 523596 is authorised under Australian Credit Licence Number 389328. Locale Financial is a subsidiary entity of Locale Homes Australia. Locale Homes Australia is not a provider of finance or credit facilities.
