Our aim is to help you set and achieve your financial goals to allow you take charge of your money and your life. Whether your financial ambitions are short or long term, small or large we can help you take the first step to making them attainable. Whether it be purchasing your first home, investing in property, starting a new business or planning for your retirement, our unique approach to finance means we can help transform your financial dreams into reality.



When it comes to securing your financial loan, any broker can find a bank with a low interest rate, but that’s just the beginning. At Ray Backhouse Financial Services we have the edge, as not only are we mortgage brokers, we are also fully qualified Financial Advisers. This means that along with finding you the loan best suited to your needs, we can also structure it to make sure your money goes further. We take pride in not only assisting with your first loan with us, but helping you on your journey of your wealth creation and planning for your future.

Your Life, Your Finance, Your Future

Ray Backhouse Financial Services provides expert wealth building and lending advice in Perth. We are specialists in providing full service advice geared towards mortgage and investment lending. Ray and the team are passionate about assessing your goals now and into the future: from home loans, to debt consolidation, through to retirement planning.


Suite 12/14B 151-153 Herdsman Pde

Wembley WA 6014

(08) 9340 9340


Our personalised services are all about getting you to where you want to be financially. Get in touch with us today to begin finding a new path to your financial freedom.

We are here to help

We pride ourselves on providing personalised advice based on carefully understanding your current financial situation. When it comes to getting your next loan, it is not always about the best product choice or rate, but finding the best solution to your own goals and ambitions. We do all the tedious paperwork and research and help you make the best choice to align your future with your reality. 


From first home buyers to seasoned investors, we help you find the best home loan, vehicle and equipment and personal lending finance available


You never know what life brings. We can help you be covered for any circumstance

We help you locate lost super, cut your fund costs and give you more investment options 



Knowing where you are heading is about understanding where you are now. We provide full advice from debt management to retirement planning

Meet Our Team

The business is family-run, with Ray and Lisa Backhouse fronting a team of experienced mortgage and financial planning specialists, all hand-picked for their all-round financial expertise.

Our service is personal and tailored to each of our customer's needs and requirements. We do the hard-lifting for our clients and our mortgage broking services come at no charge to the customer.

The joint experience of Ray and Lisa means the business has great relationships with the banks, allowing for quick and concise results.

Ray Backhouse

Credit and Wealth Advisor

Dip. Fin. Services (Financial Planning) AFP

Dip. Fin. Services (Finance/Mortgage Broking) MFAA Credit Advisor

Ray is a licensed finance broker with over 30 years experience in banking, chattel and property finance.

Ray leads his team from the front and through his hands-on experience in finance, and as a business owner himself, has the skills and empathy to ensure all Ray Backhouse clients, regardless of their portfolio size and composition, receive the very best advice and product support available.

Like all members of the team, Ray's commitment to his clients remains long after the loan has been negotiated and the deal done.

Ray was fantastic to deal with and made several visits to our home before and during the process. This was excellent service and Ray and his staff were always willing to discuss any issues or concerns we had the whole way through the process.

Alexander Wright

Dampier, WA.

Lisa listens to what I have to say and whilst not always agreeing with my course of action, takes the time to explain the possibilities and the risks. I can then make an informed decision. 

Geoffrey Martin

Kenwick, WA.

Lisa is a licensed finance broker and has 10 years practical experience working in the finance industry specialising in residential/investment and equipment /vehicle finance.

Lisa offers her clients a complete and overall financial and banking solution, delivered in a friendly and easy to understand manner. Lisa enjoys the experience of working with her clients from the first phone call to settlement and she endeavours to maintain an ongoing relationship with all her clients ‘long after the ink has dried on the contract’.

Lisa will be undertaking the MFAA Mentoring Program to ensure that our industry fosters new recruits with the same enthusiasm and passion for the business.

Lisa is an Accredited Mortgage Consultant with the MFAA and holds a Diploma of Financial Services (Financial Planning), (Finance/Mortgage Broking Management).

Lisa Backhouse

Credit and Wealth Advisor

Dip. Fin. Services (Financial Planning) 

Dip. Fin. Services (Finance/Mortgage Broking) MFAA Credit Advisor


“Lisa is not only an excellent broker but also a great adviser, you can completely rely on her for your financial solution.” 

— Md. Naimul Chowdhury

Member Organisations


Without Kate's help we would probably still be bogged down inquestions/concerns/confusion and paperwork. We didn't have to ask for help and Kate was already offering solutions and assistance. The best service I have experienced in recent history bar none. 

Alexander Wright

Dampier, WA.

Prior to joining the company in April 2013, Kate worked as a broadcast journalist for 5 years. As well as establishing a career in this industry, Kate is well travelled, working predominantly in managerial positions and Event Management in the UK. Kate was invited on board for her extensive client and staff management to work as Ray’s Personal Assistant and the Office/Client Liaison Manager.

Kate’s outgoing and approachable nature means she has quickly formed professional and friendly relationships with many of Ray’s clients. Kate enjoys the challenge of serving the needs of clients and brokers and working as part of a cohesive team. She’s an enthusiastic, valuable and committed member of the team.

Kate Garrett

Practice Manager

Dip. Fin. Services (Financial Planning)

Dip. Fin. Services (Finance/Mortgage Broking) MFAA Credit Advisor

BA (Journalism)

Justin Murphy

Credit and Wealth Advisor

Dip. Fin. Services (Financial Planning) 

Dip. Fin. Services (Finance/Mortgage Broking) MFAA Credit Advisor

Justin Murphy is a Senior Credit Advisor and Financial Planner and joined the  RBFS Team in July 2009.

Justin is a highly experienced Broker in all facets of the industry and particularly excels in the first home buyer market. You can be guaranteed that, if there is a solution, Justin Murphy will find it and make it happen! Justin has a dogged determination to satisfy all of his clients’ needs and leaves ‘no stone unturned’ in his endeavours. His research and preparation are second to none.

Justin has outstanding interpersonal skills and is a person of great integrity: a valuable asset to our organisation and the industry as a whole!

Justin kept our personal goals in mind when providing advice, responded quickly, was flexible with time and method of communication, anticipated our needs. If you thought we were making a mistake you told us your honest opinion and the reason for it but ultimately supported our decision whatever it was.

Stewart & Susanne Godden

Perth, WA.

Ray Backhouse Financial Services utilises the services of Wealth Today for our financial planning and advisory services as an Authorised Representative (AR #299828) of Wealth Today (AFSL #340289) Ray Backhouse Financial Services operates under the Australian Credit Licence #383145 Ray Backhouse Financial Services is a member of the Credit Ombudsman Service Limited #407944 Bristray Pty Ltd ACN #118 084 905 trading as Ray Backhouse Financial Services

12B-14B/151-153 Herdsman Parade, Wembley WA 6014, Australia

(08) 9340 9340

(08) 9284 0534

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©2017 by Ray Backhouse Financial Services.