Seven Hills Real Estate and news for the local area

This blog is here to give you first hand local information about real estate and local issues in the areas of Seven Hills with a special focus on Toongabbie and Kings Langley.

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 […]


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Cnr Federal Road Prospect Highway Seven Hills NSW 2147 Australia