Guides.

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Advice and guidance - Our guides.

Our goal is to make the home loan journey easier for you. With our dedicated team and extensive resources, you can navigate the process with confidence and make informed decisions.

Home buying guides from Habitat Finance and Capital for first-time buyers.

Looking to buy your first home?

Buying your first home is exciting, but it can feel overwhelming. From saving a deposit to finding the right loan, we’re here to help guide you every step of the way.

Why use a broker?

Having the right people to help you is key when it comes to property finance. Although it always pays to do your homework on the property market before you dive in, when the time comes to finance your decision, we’ll be thrilled to help.

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Home loan options and refinancing guide from Habitat Finance.

Is your home loan still right for you?

As time marches on, situations change. Have you started a new job? Welcomed a new family member? Perhaps you’re looking for a better interest rate or finally ready to kick off that renovation project. Whatever the reason, it’s the perfect time to review your options.

Looking to invest in property?

Whether you’re starting up, sustaining success, or wanting to make the most of new opportunities, the right finance can help fund what you’re looking for.

Looking to invest in property? Get smart with Habitat Finance for your investment needs.
Business meeting discussing finance strategies at Habitat Finance.

Looking for the right business finance?

Securing the right business property finance is key to growth. Whether you’re buying, refinancing, or expanding, download our guide to explore your options and make the best choice for your business.

Not sure where to start?

Our team is here to help every step of the way.

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Contact

Gariet Chow

Senior Finance Executive

Gariet has been a finance and mortgage broker for 15 years, working across home loans, investment lending, refinancing, and construction. He's known for making the lending process straightforward - cutting through the complexity with practical advice and genuine hands-on support from application to settlement.

With access to a broad panel of lenders and sharp market knowledge, Gariet focuses on finding the right fit for each client's situation - not just the headline rate.

A fluent Mandarin speaker, Gariet brings an extra dimension to client relationships - and, by all accounts, to karaoke. Married with kids, he's a committed Manchester United fan and follows most sports besides.

To discuss home or investment lending, refinancing or construction finance, contact Gariet today.

Email Gariet

Michael Harris

Managing Director - Commercial

Michael is a senior finance executive with over 20 years’ experience across Australia’s most respected financial institutions including 13 years leading the Macquarie Bank Commercial Asset Finance Division in Western Australia.

He’s also a West Coast Eagles tragic, but don’t let his choice of footy team deter you - he’s built a career around delivering tailored solutions for business owners with deep expertise in financial structuring and execution, that open's opportunities for range of WA businesses.  

Michael holds a Diploma in Financial Services and a Foundation AICD Certificate. He’s also a father of 4 boys so he knows how to handle pretty much anything, including any asset or commercial finance problem you can throw his way.

Connect with Michael on LinkedIn.

Email Michael

Rory Cowman

Managing Director

Rory founded Habitat Finance in 2003 and has spent 25 years building it into one of Perth's most trusted finance firms - serving over 3,000 clients and managing a loan portfolio exceeding $800 million.

He specialises in home loan and investment lending, with a particular focus on finance for professionals and medical professionals and is widely regarded as a master of debt management and debt-recycling strategies.

Rory holds a Diploma in Financial Services and has earned serious industry recognition along the way - including being the youngest member inducted into AFG's Hall of Fame and a consistent spot in MPA's Top 100 Mortgage Brokers.

Married with two kids, Rory's other loves are food, coffee, and pretty much any sport going.

To discuss home or investment lending, refinancing or debt strategy, contact Rory today.

Email Rory