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Buying a property is a time to be excited. Don’t waste it looking for a loan.

We’ll help you find the right loan.

Because we work for you, a Broker’s efforts are dedicated to working for you.

We’ll meet at a time that suits you.

We do the legwork.

You’ll get a choice of different lenders.

You'll have more options.

We do the hard work.

We consider a range of options for you. Using our understanding and knowledge of the current market, we look at different loans and quickly narrow it down to the ones that suit your specific needs. Then we choose together.

Get in touch!

And we help with the whole process.

We don’t stop at just finding the right loan. We help with the whole process. That includes completing the paperwork, managing the application, and following it through to approval. You’ll have clear guidance and support every step of the way, so things feel straightforward and under control.

How can we help?

Buying a property

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Refinancing your home loan

Find out more

We are here to help.

There are so many loans and lenders that the idea of narrowing it down to one is pretty daunting. Even then, how do you even know you’ve chosen one that’s right for you?

That’s where a broker comes in.

Speak to us today

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