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For sale $1,250,000

8534 CENTENNIAL Road, st. thomas, Ontario

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For lease $27.50 / ft²

2&3-877 Talbot St

St. Thomas, Ontario

4 Bathroom 2400 sqft

For sale $795,000

19 Johnson Place

St. Thomas, Ontario

8 Bedroom 4 Bathroom 735

For lease $18 / ft²

945 Talbot Street

St. Thomas, Ontario

For sale $438,500

87 Lawrence Avenue

St. Thomas, Ontario

4 Bedroom 2 Bathroom 1005.4200

For sale $600,000

21 Steeplechase Court

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1510

For sale $599,900

78 Hummingbird Lane

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1472100

For sale $449,000

2 Thompson Avenue

St. Thomas, Ontario

3 Bedroom 1 Bathroom 1100

For sale $579,000

13 Cavanaugh Crescent

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1658.6500

For sale $2,500

245 South Edgeware Road

St. Thomas, Ontario

For sale $375,000

3 Hemlock Street

St. Thomas, Ontario

1 Bedroom 1 Bathroom 750

For sale $469,900

7 Paddon Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1150

For sale $829,900

113 Centennial Avenue

St. Thomas, Ontario

5 Bedroom 3 Bathroom

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Our Team

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Lorne Siefert

Broker

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Liam Ceccacci

Sales Rep.

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Helpful Tips for Buyers

It is important for buyers to understand their options going into purchasing a home or real estate property. We can give you tips on options like paymetn periods, the benefits of making extra payments and the advantages of bigger down payments, how to reduce fees, and important information about short and long term rates.

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Helpful Tips for Buyers

Bi-weekly and weekly payments

Most mortgages have the option to allow payments to be made on a weekly or bi-weekly basis. This option may be desirable for two reasons. The first is it can save you money as you can expect to pay off your mortgage about 4 years sooner. This can save you dramatically over the life of your mortgage. The other reason why these options are so popular is that if your employer pays you on a weekly or bi-weekly basis, you can simplify your budgeting by making the payment line up with the way you paid.

Making Extra payments

Paying extra amounts on your mortgage can make a big interest saving over time. When we select a mortgage company, privilege payments options are something that we look for. A 20% privilege payment will allow you to pay off up to $20,000 per year on a $100 000 mortgage. It is important that the privilege payment also be flexible to allow you to pay smaller payments on the mortgage and as often as you wish. An extra $1000 periodically paid on a mortgage can help you become mortgage free faster.

Reducing the CMHC fees on your purchase

When you require a mortgage for more than 80% of the purchase price of a property, that mortgage must be insured by Canada Mortgage and Housing (CMHC) or GE Mortgage insurance. The premium charged by these company`s decreases as the down payment increases. When you finance your property at 95%, a premium of 3.75% is added to the mortgage. By increasing the down payment to 10% of the purchase price the premium can be reduced to 2.5%. If you can put down 20%, you can avoid any additional insurance fee. Depending on your situation there are ways that you can structure this financing to avoid the CMHC or GE insurance premium.

Advantages of Bigger Down Payments

As mentioned above, when you put a 20% down payment on your purchase you can avoid the CMHC premium. More importantly the larger the down payment, the lower the amount of interest you will pay over the life of your mortgage. It is important to note that it may not be wise to stretch yourself to increase your down payment and end up borrowing on credit cards or a line of credit at a higher rate.

Short Term Rates vs. Long Term Rates

The options for mortgages available can be very confusing for most mortgage shoppers. Terms for mortgages vary between variable and fixed rate, 6-month terms to 10 year terms. Taking a variable or floating rate mortgage can have savings. Typically the shorter the term or guarantee of the rate, the lower the rate will be. This does not always happen, depending on the market place and the economy, but history has shown that short-term rates tend to be lower than long-term rates. The up side of variable rate is the strong potential for interest rate savings. The down side is the fact that you are accepting the interest rate risk without a guarantee. If you are considering a variable rate mortgage you need to look at your own risk tolerance, and your cash flow available to deal with potential increased payment. Considering projections of rates and where we see interest rates heading can also be important in this decision. Make sure you talk to an expert when you are making this decision.

Helpful Tips for Sellers

Occasionally, one can see “For Sale By Owner” signs, and some owners think that selling their own home will not only save them money, but believe they have an advantage over the sellers that have their home listed by a reputable Real Estate sales professional. Before you decide to take on this very important and legally complicated process…remember not even most Real Estate Lawyer’s recommend selling your own home yourself in today’s market.

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Siefert Construction

For all your construction needs, please contact Isaac Siefert at Siefert Construction.

519-694-2763

isaac.siefert@gmail.com

We’re Easy to Find

Our goal is to treat you fairly, with honesty and integrity.

808 Talbot St, St. Thomas, ON N5P 1E2

519-633-0600

519-631-9716

sieferts@sieferts.ca

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Home is where your story begins

Let us help you write the next chapter

Our Services

We have access to New listings everyday

Experienced Agents

Buying Tips

Selling Tips

Construction

Market Analysis

My Listings

LOADING

8534 Centennial Road

Local Listings

LOADING

2&3-877 Talbot St

19 Johnson Place

945 Talbot Street

87 Lawrence Avenue

21 Steeplechase Court

78 Hummingbird Lane

2 Thompson Avenue

13 Cavanaugh Crescent

245 South Edgeware Road

3 Hemlock Street

7 Paddon Street

113 Centennial Avenue

Sold Listings

Our Team

Get to know our team of experts

Lorne Siefert

Broker

Liam Ceccacci

Sales Rep.

Helpful Tips for Buyers

Helpful Tips for Sellers

Siefert Construction

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We’re Easy to Find

Our goal is to treat you fairly, with honesty and integrity.

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