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Managing your money should be easy.

To help you out we’ve put together a collection of calculators that will allow you to work through a number of scenarios and help plan your financial situation. Select from the list of savings, tax and loan calculators below.

Select from our list of calculators:

True rate calculator

See the true cost of your finance, including fees.

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Car or equipment calculator

Use your loan details to see your repayment amounts.

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Comparison rates calculator

Use interest rates and fees to compare true costs of different loans.

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Home loan calculator

Enter your loan details for your repayment, interest, and LVR impact.

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Extra repayments calculator

See the impact a small extra amount to your home loan makes.

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Need a home loan?

Whatever your circumstances, we will look for a loan that’s right for you, not the lender.

Send through a quick enquiry and we will be in touch.

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

Resources.

Guides

Investing in property

Becoming a first home buyer

Refinancing your home loan

Purchasing a commercial property

Why use a broker?

Finance for my business

Managing your money should be easy.

True rate calculator

Car or equipment calculator

Comparison rates calculator

Home loan calculator

Extra repayments calculator

Need a home loan?

Gariet Chow

Michael Harris

Rory Cowman