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Liam Ceccacci

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Administrator

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37 years of combined experience

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LOADING

For sale $475,000

36 Alma St

St. Thomas, Ontario

5 Bedroom 2 Bathroom

For sale $639,900

9475 Springwater Road

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1220

For sale $719,900

100 Renaissance Dr

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $729,900

73 Renaissance Drive

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2510

For sale $719,900

100 Renaissance Drive

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2201.3000

For sale $249,000

#13 -1025 Talbot St

St. Thomas, Ontario

1003 sqft

For sale $729,900

73 Renaissance Dr

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $749,900

40024 Talbot Line

St. Thomas, Ontario

2 Bedroom 1 Bathroom 945

For sale $729,000

201 Renaissance Dr

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $759,900

321 Selbourne Dr

Central Elgin, Ontario

5 Bedroom 2 Bathroom

For lease $13.50 / ft²

#1 -730 Talbot St

St. Thomas, Ontario

2 Bathroom 3939 sqft

For sale $475,000

36 Alma Street

St. Thomas, Ontario

5 Bedroom 2 Bathroom 1872

For sale $699,900

41543 Florence Crt

St. Thomas, Ontario

3 Bedroom 4 Bathroom

For lease $45 / ft²

186 Sunset Drive

St. Thomas, Ontario

2500

For sale $799,900

37 Styles Drive

St. Thomas, Ontario

3 Bedroom 4 Bathroom 2100

For sale $675,000

10-49 Royal Dornoch Dr

St. Thomas, Ontario

4 Bedroom 4 Bathroom

For sale $665,000

45-49 Royal Dornoch Dr

St. Thomas, Ontario

4 Bedroom 4 Bathroom

For sale $424,900

92 Hiawatha Street

St. Thomas, Ontario

4 Bedroom 1 Bathroom 1469

For sale $799,900

213 Leitch Street

Dutton, Ontario

5 Bedroom 3 Bathroom 2781

For sale $767,400

33 Lucas Road

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1817

For sale $2,100,000

81 Harper Road

St. Thomas, Ontario

10399

For sale $767,400

33 Lucas Rd

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $759,900

2 Blairmont Terr

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $949,100

4 Clover Circ

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $419,900

268 Marsh Line

Dutton, Ontario

3 Bedroom 1 Bathroom 1503

For sale $759,900

2 Blairmont Terrace

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2546

For sale $511,500

113 Balaclava St

St. Thomas, Ontario

3 Bedroom 2 Bathroom

For sale $511,500

113 Balaclava Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1495.0900

For sale $1,672,000

41821 Sparta Line

Central Elgin, Ontario

4 Bedroom 5 Bathroom

For sale $349,900

29770 Talbot Line

Wallacetown, Ontario

3 Bedroom 1 Bathroom 987

For rent $3,200 Monthly

229 Woodworth Crescent

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2045

For sale $499,900

73 Butler Drive

St. Thomas, Ontario

3 Bedroom 1 Bathroom 1480

For sale $499,900

73 Butler Dr

St. Thomas, Ontario

3 Bedroom 1 Bathroom

For sale $665,000

21 Fenwick Court

St. Thomas, Ontario

3 Bedroom 2 Bathroom 2247.8900

For sale $739,900

15 Hagerman Crescent

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2311

For sale $375,000

42 Balaclava St

St. Thomas, Ontario

3 Bedroom 2 Bathroom

For sale $375,000

42 Balaclava Street

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1946

For sale $739,900

15 Hagerman Cres

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $1,092,000

35 Circlewood Drive

St. Thomas, Ontario

4 Bedroom 3 Bathroom 3673

For sale $650,000

139 Brayside St

Central Elgin, Ontario

2 Bedroom 2 Bathroom

For sale $665,000

21 Fenwick Crt

St. Thomas, Ontario

3 Bedroom 2 Bathroom

For sale $499,900

#24 -20 Windemere Pl

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale $739,000

115 Hagerman Cres

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $499,900

20 Windemere Place Unit# 24

St. Thomas, Ontario

2 Bedroom 2 Bathroom 1137

For sale $524,995

22 Fanjoy Dr W

St. Thomas, Ontario

4 Bedroom 2 Bathroom

For sale $739,000

115 Hagerman Crescent

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1679

For sale $524,995

22 Fanjoy Drive

St. Thomas, Ontario

4 Bedroom 2 Bathroom 1697.4800

For sale $739,900

45 Westlake Dr

St. Thomas, Ontario

3 Bedroom 3 Bathroom

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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.

View Tips

Siefert Construction

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

519-694-2763

isaac.siefert@gmail.com

Our Awards

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Award details available at www.royallepage.ca.

We’re Easy to Find

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

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

226-926-0381

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

The Siefert-Ceccacci Service Team

Get to know our team of experts

Liam Ceccacci

Sales Rep.

Lorne Siefert

Administrator

Our Services

We have access to New listings everyday

Experienced Agents

Buying Tips

Selling Tips

Construction

Market Analysis

Our Listings

$1,200,000

$1,200,000

$1,200,000

$1,200,000

Local Listings

LOADING

36 Alma St

9475 Springwater Road

100 Renaissance Dr

73 Renaissance Drive

100 Renaissance Drive

#13 -1025 Talbot St

73 Renaissance Dr

40024 Talbot Line

201 Renaissance Dr

321 Selbourne Dr

#1 -730 Talbot St

36 Alma Street

41543 Florence Crt

186 Sunset Drive

37 Styles Drive

10-49 Royal Dornoch Dr

45-49 Royal Dornoch Dr

92 Hiawatha Street

213 Leitch Street

33 Lucas Road

81 Harper Road

33 Lucas Rd

2 Blairmont Terr

4 Clover Circ

268 Marsh Line

2 Blairmont Terrace

113 Balaclava St

113 Balaclava Street

41821 Sparta Line

29770 Talbot Line

229 Woodworth Crescent

73 Butler Drive

73 Butler Dr

21 Fenwick Court

15 Hagerman Crescent

42 Balaclava St

42 Balaclava Street

15 Hagerman Cres

35 Circlewood Drive

139 Brayside St

21 Fenwick Crt

#24 -20 Windemere Pl

115 Hagerman Cres

20 Windemere Place Unit# 24

22 Fanjoy Dr W

115 Hagerman Crescent

22 Fanjoy Drive

45 Westlake Dr

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Helpful Tips for Buyers

Helpful Tips for Sellers

Siefert Construction

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