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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.

I feel so fortunate to have had Sarah on board as my broker. She was thorough in her efforts to find a mortgage that suited my needs and my budget. Her communication was excellent and I appreciated the way she explained things in a way I understood. She kept both me and the bank on track along the way, and helped settlement day to happen without a hitch.
If I could rate Sarah 6 stars I would!
Mel Thompson, Canberra