Isla & Gray Financial Perth

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Isla & Gray Financial Perth Emma Bitmead is a Mortgage Broker at Isla & Gray Perth, based in the coastal suburb of Scarborough WA.

Renovation costs can add up fast, and juggling a personal loan or credit card on top of your mortgage adds stress you do...
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.

09/10/2026

A day in the life of a mortgage broker...

7:00am Alarm
7:10am Coffee
7:30am Emails
9:30am Drive
10:00am Meeting
12:00pm Borrowing
2:00pm Client
4:00pm Office
6:00pm W**e

Repeat.


Isla & Gray Financial Advice

If you've been quietly planning a renovation, you deserve to know what's happening with rates so you can make the right ...
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.

It’s a term that sounds more complicated than it is.In plain language: you refinance your home loan for a little more th...
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.

Planning a renovation? Refinancing could help you tap into your home equity to fund it.Maybe it's a kitchen that hasn't ...
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.

The RBA has raised the cash rate by 25 basis points to 4.60%, the highest since November 2011. Tuesday's decision is the...
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

Flow Space, Suite 2, 103 Flora Terrace Watermans Bay
Perth, WA
6020

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 8pm
Thursday 9am - 6pm
Friday 9am - 6pm

Telephone

+61452594661

Website

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