Home is where your story begins

Let us help you write the next chapter

View Listings

The Siefert-Ceccacci Service Team

Get to know our team of experts

Liam Ceccacci

Sales Rep.

Read Bio

Lorne Siefert

Administrator

Read Bio

Our Services

We have access to New listings everyday

Experienced Agents

37 years of combined experience

Buying Tips

Let us help you write your next chapter

Selling Tips

Trust our team of experts to sell your home

Construction

We can help you build from the ground up

Market Analysis

No obligation evaluation of your home’s value

Our Listings

Local Listings

Search / Filter Results

213 results | Page 10 of 18

For sale $1,699,900

109 Ross Street

St. Thomas, Ontario

14 Bedroom 12 Bathroom 5,000 - 100,000 ft²

For sale $683,288

51 White Tail Path

St. Thomas, Ontario

2 Bedroom 2 Bathroom 1,100 - 1,500 ft²

For sale OPEN HOUSE $799,000

2 Galbraith Court

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1,100 - 1,500 ft²

For sale OPEN HOUSE $849,900

70 Shaw Valley Drive

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1,500 - 2,000 ft²

For sale OPEN HOUSE $585,000

7 Cedar Street

St. Thomas, Ontario

4 Bedroom 2 Bathroom 700 - 1,100 ft²

For sale $714,999

11 Ponsford Place

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1,500 - 2,000 ft²

For sale $639,900

584 Wellington Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1,100 - 1,500 ft²

For sale $429,900

3 Smith Avenue

St. Thomas, Ontario

4 Bedroom 2 Bathroom 1,500 - 2,000 ft²

For sale $2,490,000

44868-44892 Talbot Line

St. Thomas, Ontario

2,907 ft²

For sale $2,490,000

44868-44892 Talbot Line

St. Thomas, Ontario

2 Bedroom 1 Bathroom 1,803 ft²

For sale $925,000

17 Tanager Place

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1,500 - 2,000 ft²

For sale $899,900

6 - 140 Stanley Street

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1,500 - 2,000 ft²

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.

View Tips

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.

View Tips