About Aaron Sainsbury
With expertise spanning mortgage lending, property law, property investment and borrowing to invest within Self Managed Superannuation, Aaron Sainsbury offers more than 25 years professional advisory expertise.
He is an enthusiastic supporter of financial literacy, working closely with clients to help them gain and maintain control of their financial future.
Aaron is thoroughly committed to building lifelong relationships with clients based on the highest quality service, advice and trust.
Contact Aaron direct on 02 9818 8643 .
Smartline Personal Mortgage Advisers
G5/1-15 Barr Street , Balmain NSW 2041
Authorised Representative No 298191
Smartline Operations Pty Ltd Corporate Authorised Representative No 376868
Aon Hewitt Financial Advice Ltd AFSL No 239183
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Here are my most recent posts
Mortgage Update — The Investor Market Is In For A Shock
Keep your eyes on the ball! Whether the sport is cricket, soccer, rugby, tennis, Aussie rules or any other ball sport, keeping your eyes on the ball is of utmost importance. The same concept applies to home loan interest rates. The second you take your eyes off your home loan you could find yourself making a […]
Australian Property Market Outlook 2015
The property market is helping us to become the wealthiest population in the world First off an interesting fact. Even when taking into account the impact of inflation, the growth in capital city residential property values has made Australia one of the wealthiest nations in the world. A recent article in the Sydney Morning Herald supports the […]
Lock it in or keep it loose: Fixed rates vs variable rates
The RBA cash rate has not moved from 2.50% p.a. for 13 consecutive months and we are in for another 15 months of cash rate stability according to the ASX futures curve. Depending on your lender, variable home loan rates seem set to remain in the range of 4.65% p.a. to 5.10% p.a. Most Australians are […]
Has the Australian Real Estate boom finished already?
I have seen a lot of commentary lately speculating about the “property bubble” bursting and the property boom being finished. No doubt you have too and if you haven’t already got on board you are probably regretting missing out. It seems that any time things seem to be going well there are elements within the […]
Facts, house prices sky high, mortgages and government levies
The ‘it’ topic of the moment is house prices. Everyone is discussing the current trends in property prices, selling or buying, mortgages and everything to do with this topic. Everyone has an opinion but here are some of the facts relating to the current state of the housing market. These are also good pointers for […]
Property Mortgage Update And Housing Affordability In NSW
Interest Rates and the big 4 The purple line in the chart below indicates that variable home loan rates mirror the stable RBA cash rate. There has been not much change over the last 6 months. You will however see that both kinds of fixed rate mortgages have to a small extent increased over the last […]
Things that make you go Hmmmm — NSW Stamp Duty
One of those things that make us all think Hmmm is NSW Stamp Duty. Particularly the duty that is levied on our residential property. Our transfer of stamp duty is based upon a progressive tax system where cheaper properties incur a lower rate of tax and more expensive properties incur a higher rate of tax. Some […]
Have Fixed Rates Hit The Bottom Of The Cycle?
I have noticed an interesting pattern in one of the recent interest rate charts. This is slightly dangerous territory because the past is obviously not a prediction of future rate directions. However, this pattern does seem to apply at least since the beginning of 2009 (when this data series commenced). The 3 year fixed rate […]
Property Bubble Crew Hit The Media With Predicting A Crash?
Every time Sydney house prices increase the property bubble crew hit the media with negative headlines predicting a crash. These doomsayers may very well be right., however, we feel that there are five key trends that destroy their current predictions: 1. The median Sydney residential dwelling price has increased at an average rate of just over […]