Isla & Gray Financial Advice

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Australia
Canberra, ACT
Isla & Gray Financial Advice

Empowering you to build and live the life you want. www.islagray.com.au

04/11/2026

The Reserve Bank of Australia (RBA) has increased the official cash rate by 0.25 percentage points, bringing it to 4.85%.

While rate changes can affect home loan repayments, the impact will depend on your lender, loan type and individual circumstances.

It's also a good reminder that your home loan is worth reviewing from time to time.

A few things to keep in mind:

📌 Lenders decide whether and when to pass on the change.
📌 Your loan structure and current rate matter.
📌 There may be options worth exploring.

If you'd like to have a conversation about your home loan, we're always happy to help.

29/10/2026

This spring, our focus is simple: helping homeowners like you understand your options for funding the changes you want to make, especially as interest rates have shifted throughout the year.

Whatever you decide, we want you to feel informed, not pressured — that's the only kind of guidance worth giving. 👉 DM us or send a message whenever you're ready to talk it through. We're here for you, every step of the way.

27/10/2026

We understand money conversations can feel intimidating, especially when it comes to your home. So we keep things simple — a real conversation, a clear look at your equity, and a plan built around your life, not just a transaction.

Ready when you are — send us a message and we'll take it from there.

21/10/2026

Every homeowner's renovation list looks different, and that's exactly the point — the right funding plan should be built around your project, not a one-size-fits-all package. We'd love to hear what you're dreaming up for your space.

Tell us your plans and we'll help figure out what makes sense for you.

13/10/2026

Renovation costs can add up fast, and juggling a personal loan or credit card on top of your mortgage adds stress you don't need. A cash-out refinance folds it into one payment — but it's not automatically the right fit for everyone, and we'll tell you honestly if it isn't for you.

Let's look at your situation together, no pressure either way.

08/10/2026

Feeling this 🙌🏻🙌🏻

07/10/2026

If you've been quietly planning a renovation, you deserve to know what's happening with rates so you can make the right call for your family. The Fed raised rates this September, and there's a chance of another move as early as December. We're not here to rush you — we're here to make sure you have the full picture before you decide.

⏰Book a quick chat and we'll help you weigh the timing.

05/10/2026

It’s a term that sounds more complicated than it is.

In plain language: you refinance your home loan for a little more than you currently owe, and the additional funds can potentially be used towards your renovation, subject to lender approval.

If you’re considering a renovation, we can help you understand how accessing your home equity could work for your situation.

📩 Reach out and let’s chat about what may be possible for your home.

01/10/2026

Planning a renovation? Refinancing could help you tap into your home equity to fund it.

Maybe it's a kitchen that hasn't felt new in years. Maybe it's finally making room for a growing family.

Your home has quietly earned you something valuable — equity you've built simply by living your life.

This spring, let's talk about what that equity could mean for the changes you've been dreaming about. Send us a message.

29/09/2026

The RBA has raised the cash rate by 25 basis points to 4.60%, the highest since November 2011. Tuesday's decision is the fourth rate rise of 2026, following hikes in February, March and May.

If you have a variable rate loan, your repayments are likely to go up. We're here to help you understand where you stand and what your options are, whether that's reviewing your rate or looking at refinancing.

📩 Message us and let's talk about your next step.

Address

11 Parbey Street Kingston ACT
Canberra, ACT
2604

Website

http://www.islagray.com.au/

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