Call 08 9474 7744

Free property guides
Everything you need to know about buying and investing in property.
Download our Home buying essentials and Property investment essentials guides.

Have a chat with Habitat
P: 08 9474 7744
68 South Terrace
South Perth WA 6151


I have been a client of Habitat Finance & Insurance, South Perth for over 10 years. I have always received the highest quality of service from Rory and his staff and I always recommend them to family, friends and colleagues. Rory helped me organise finance for my first home many years ago and from then on has assisted my fiancé and I with a number of other sale and purchases of properties. We value Rory's opinion in all our investment decisions and he is always available to talk things thru with us, which we really appreciate. We are currently building a home for the first time and we are confident that Rory will be there to hold our hand as always :) Thank you to Rory and his team!

Amy Fink

In the past couple of years we have used the services of Habitat Finance & Insurance three times. Our experiences have been so positive because Rory and his team are experts in finance, which is exactly what we need. The service is of a really high standard and they are professional and understand our individual circumstances so that's why we will keep going back and also highly recommend them to our family and friends. I give them 10/10.

Andrea Vukovich
This is the 3rd time i had dealt with Gariet Chow and I will definitely say it's not going to be the last. I had already recommended many friends to him and they were all very satisfied with the services he had provided. His professionalism never fails to impress me and each time it just gets easier. Having no background about financial terms was a nightmare to begin with but Gariet explained it so clearly and patiently to me and my Mrs. Following up calls on the loans after they had been approved just shows how professional he is. Just so you all know, i do not know Gariet before and was in fact referred to him by another friend. Well done and all the best mate.

Kevin Tan
I recently purchased an investment property, using Habitat Finance as brokers and advisors - Being a FIFO worker, time in Perth to get paperwork signed can be difficult. Habitat Finance made themselves available whenever I was available, the rest was achieved by email and phone. Their services are second to none. The loans were secured with a minimum of fuss, totally stress free. I am now secure in the knowledge that I have a great financial product at the best possible interest rate. I highly recommend Habitat Finance for any one that requires finance and/or insurance.

Christopher Crane
Gariet Chow at Habitat Finance helped us out to get our home loan. The experience was excellent! He was always prompt to reply to my queries. A very straightforward and honest broker. If anything was possible (or not possible) he told me honestly straightaway. I could just trust what he said! I must say - a very good and fulfilling experience going through Habitat and especially Gariet. Thanks.M

Rohit Deval
I have been a client of Habitat Finance & Insurance for over 5 years. In my first dealing with them, Rory helped me finance my first home, explore the best options for refinancing following a property settlement and kept me constantly updated with relevant information about my mortgage. Through the years they stayed in touch with newsletters, birthday cards and invitations to be part of their many customer appreciation promotions and Rory always made himself available to give me advice on finance. Last year, my wife and I started building a new home and Rory is once again getting us great deals on rates and making sure the process runs as smooth as possible from a finance perspective. Put simply, I trust Habitat Finance 100% and am always confident that Rory and his team are working in my best interest and have everything under control. I have recommended countless friends and family to Rory and they have all received the same high level of customer service and satisfaction.

Michael May
Rory has assisted me with my financial affairs for close on six years. Throughout that time, he has witnessed my life circumstances change dramatically and has continued to provide a highly professional service that was a wonderful balance of patience, concern, well-intentioned support and incredibly sound advice – both financial and general! In respect of his interpersonal skills, Rory intuitively understands that making decisions about financial matters is not just making decisions based on numbers and budgets, but is effectively making decisions about your future, and the manner in which you choose to live your life. In doing so, the decision making process becomes far more complex as it requires a holistic determination of priorities, intentions and expectations. Rory's empathy and patience allows the requisite time and space for this to occur, and he provides an incredibly good debrief opportunity as well! In respect of financial options and advice, Rory has a wealth of knowledge (pun intended) regarding best fit, practicalities and new products on the market. He is always informative, never insistent and is incredibly flexible in making time to accommodate availabilities. I have already recommended Rory to many family and friends and will continue to do so – he is amazing!

Naomi Carter
This is the first time I have used Rory and his team at Habitat Finance and it will not be the last. From the first meeting to the finalisation of my home being built Rory and Gariet have gone over and above normal expectations. I will be using them again and will recommend them to family and friends.

Suzanne Tsekos
Wayne helped me get my first home loan 8 yrs ago and another investment loan just recently.I find Wayne to come across as honest, knowledgeable and genuine on trying to find out what the best options for me in the vast array of banks, he's not your typical "salesman" that will sign you up without a care. I have referred all my family and friends to Wayne and I highly recommend him to anyone.

Lieu Lu
Being a first home buyer we felt it was extremely important to pick the right mortgage broker. The decision to work with Wayne turned out to be the right one which resulted in our investment journey being rewarding and enjoyable. He always looked out for our best interest and considered both best and worst case scenarios every step of the way. He is our default choice!

Sri & Gauri Pillay
On meeting Wayne, some 10 or so years ago, we were embarking on the purchase of our first property. We had been in discussions with Mortgage brokers who seemed to have their own agendas and didn't seem to care or listen to what our needs were or ask the question of what our future goals looked like. Being inexperienced we didn't realise how much this question was relevant to what we were doing at that time. Wayne explained the products available to meet our needs and lead us through the whole process. That was several properties ago. We are still in contact with Wayne who regularly calls to say hello or inform us of a product on the market. We have referred a lot of family and friends to Wayne and his company and plan to continue our relationship with Wayne through to financial freedom...even with the two kids that didn't factor into our original goals.

Dwayne and Justine Griffin
My wife and I were referred to Rory through a friend who also used Habitat finance while getting his mortgage. Rory's honesty and genuine helpful nature was what immediately gained our trust. His in-depth knowledge and helpful advice to our individual circumstances made us feel very confident that we were dealing with the right person in the otherwise very confusing world of finance and mortgages. Rory time and time showed genuine concern in our best interest and always communicated with us openly and honestly. He repeatedly went way above and beyond what we expected of him. He really has the customer's best interest at heart and is even open about all his commission and why he chooses the financial institution he chose. And once you sign on the dotted line, Rory does not forget you. We have been back to him on several occasions to ask him many many silly questions and he is only too happy to spare us his time and his extensive knowledge and experience. We have since recommended many of our friends to Rory who also mirror our feelings about him. I am more than happy for anyone to contact me should you wish to talk to me directly in regards to what it's like to deal with Rory and the rest of the staff at Habitat finance.

Gurpreet Chodha
Gariet would have to have given the best help anyone could of asked for when building our first home. Every step of the way Gariet was there to service our needs by giving the best quality advice and following up any request from the builder to our lender. I would recommend Habitat's services to anybody and can't wait to use Gariet again in other financial matters in the future.

Luke Armistead

About Habitat

Give us a call today 08 9474 7744 – that one phone call could make a huge difference to what you see next time you stop to look back.

Finance Solutions

Planning your future investment property portfolio and other wealth strategies starts from your very first loan.

Enter our competition

Click here to enter our fantastic competition.

Subscribe to our magazine

Click here to subscribe to our free finance magazine.

           Australian Credit Licence 385447