Mortgage broking
As a mortgage broker, I stay on top of all the best rates and features from a range of banks, so you don’t have to.
If you’re looking for a new mortgage or want to know if you can do better than your current policy, I’d love to meet you.
Sarah Hardie, Mortgage Broker / Director Isla & Gray




First home buyer mortgages
Buying a first home can feel overwhelming – we’ve been there ourselves. We help you understand every step of the process so you can purchase with confidence.
Prepare for your first home loan with pre-approval
Understand how your debt, savings, and spending habits impact your loan application, and get everything in order with a pre-approval so you can place offers with confidence.
Apply for your first home loan with confidence
We take you through the paperwork step-by-step for peace of mind, making sure you can afford repayments now and in the future.
For a stress free first home loan.
Mortgage refinancing
Your home is the biggest asset most of us will ever have. Make sure it is working for you.
Better interest rates and mortgage terms
Redraw facilities, off-set accounts, fixed rate vs variable, we can compare and explain it all without bias.
Debt consolidation
Regain control over multiple debts with a lower interest rate and a streamlined single payment by consolidating them into your home loan.
Access your equity
As you pay off your home, you own a greater percent of it. Use it to unlock new opportunities, whether it’s renovations or other investments. The choice is yours.
When was your last mortgage health check?
Investment properties
Investment properties are a common way to wealth. If your financial plan includes property, we can guide you step-by-step through all the mortgage options:
New loans
Equity loans
Self-managed superannuation fund (SMSF) purchases
Ask us more about investing in property today.
Reverse mortgages
You’ve worked hard to pay off your home and now it’s your biggest asset. Reverse mortgages give you access to your equity for greater financial freedom.
Expert advice
Reverse mortgages are unique, so we go the extra mile to guide you through eligibility, loan terms, and financial impacts so you can make an informed decision.
Financial ease in your retirement years
Stay in your home, repayment-free, while easing financial pressure or increasing your opportunities with a little extra income.
Find out if a reverse mortgage is right for your circumstances.
If I could rate Sarah 6 stars I would!