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

586 results | Page 8 of 13

LOADING

For sale $699,900

2 Edgewell Crescent

St. Thomas, Ontario

3 Bedroom 4 Bathroom 2180

For sale $829,990

4 Titan Court

Dutton, Ontario

3 Bedroom 2 Bathroom 2100

For rent $1,850 Monthly

69 Curtis Street Unit# 201

St. Thomas, Ontario

2 Bedroom 2 Bathroom 745

For sale $823,800

43642 Sparta Line

Central Elgin (Munic), Ontario

4 Bedroom 3 Bathroom 3156.8100

For sale $625,000

38 - 374 Front Street

Central Elgin, Ontario

2 Bedroom 3 Bathroom

For sale $823,800

43642 Sparta Line

Central Elgin, Ontario

4 Bedroom 3 Bathroom

For sale $690,000

3 Lawrence Avenue

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $859,900

116 Lila Street

Dutton, Ontario

5 Bedroom 3 Bathroom 1853

For rent $2,000 Monthly

50 Scott Street Unit# 110

St. Thomas, Ontario

2 Bedroom 1 Bathroom 800

For sale $395,000

62 First Avenue

St. Thomas, Ontario

2 Bedroom 1 Bathroom

For sale $395,000

62 First Avenue

St. Thomas, Ontario

2 Bedroom 1 Bathroom 804

For rent $13 Monthly

730 Talbot Street

St. Thomas, Ontario

3939 sqft

For lease $13 / ft²

730 Talbot Street

London, Ontario

2 Bathroom 3939 sqft

For sale $839,900

54 Ayrshire Avenue

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $729,900

27 Peach Tree Boulevard

St. Thomas, Ontario

4 Bedroom 2 Bathroom

For lease $13 / ft²

730 Talbot Street

St. Thomas, Ontario

3939

For sale $729,900

27 Peach Tree Boulevard

St. Thomas, Ontario

3 Bedroom 2 Bathroom 2600

For sale $574,000

38 Hincks Street

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1850 sqft

For sale $779,000

56 Honey Bend

St. Thomas, Ontario

5 Bedroom 3 Bathroom

For sale $1,300,000

227 Colborne Street

Central Elgin, Ontario

4203 sqft

For sale $749,900

6 - 10 Mcpherson Court

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $525,000

146 Locust Street

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale $819,900

21 Ayrshire Avenue

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $794,900

56 Ayrshire Avenue

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale $789,900

50 Ayrshire Avenue

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $829,900

52 Ayrshire Avenue

St. Thomas, Ontario

3 Bedroom 4 Bathroom

For sale $1,300,000

227 Colborne Street

Central Elgin, Ontario

3 Bathroom 4203 sqft

For sale $999,900

727 Old Hunt Road

London, Ontario

4 Bedroom 3 Bathroom

For sale $525,000

146 Locust Street

St. Thomas, Ontario

2 Bedroom 2 Bathroom 1703

For sale $749,900

10 Mcpherson Court Unit# 6

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1071.2100

For sale $574,000

38 Hincks Street

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1850

For sale $659,900

28 James Turvey Place

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $659,900

28 James Turvey Place

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1897

For rent $1,200 Monthly

381 Talbot Street

St. Thomas, Ontario

1 Bathroom 1636.9812 sqft

For sale $1,249,900

37437 Lake Line

Central Elgin, Ontario

4 Bedroom 4 Bathroom

For rent $1,200 Monthly

381 Talbot Street

St. Thomas, Ontario

1148.5000

For sale $534,900

20 Windemere Place Unit# 22

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2237

For sale $699,900

42131 Mcbain Line

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2183

For sale OPEN HOUSE $1,295,000

387 Stanley Park

Central Elgin, Ontario

4 Bedroom 3 Bathroom

For sale $699,900

42131 Mcbain Line

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $549,900

22 - 20 Windemere Place

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $199,900

CON C PT LT 1 DYMOCK Line, dutton, Ontario

24 - 374 Front Street

Central Elgin, Ontario

3 Bedroom 3 Bathroom

For sale $624,900

24 - 374 Front Street

Central Elgin, Ontario

3 Bedroom 3 Bathroom

For sale $809,000

9 Welch Court E

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $809,000

9 Welch Court

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2350

For sale $680,000

6 - 45 Lake Margaret Trail

St. Thomas, Ontario

3 Bedroom 2 Bathroom

For sale $680,000

45 Lake Margaret Trail Unit# 6

St. Thomas, Ontario

3 Bedroom 2 Bathroom 2020

Sold Listings

No Properties Found!

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

Siefert Construction

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

519-694-2763

isaac.siefert@gmail.com

Our Awards

Award of Excellence Lifetime - Royal Lepage

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

Send us a Message

All fields are required.

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

2 Edgewell Crescent

4 Titan Court

69 Curtis Street Unit# 201

43642 Sparta Line

38 - 374 Front Street

43642 Sparta Line

3 Lawrence Avenue

116 Lila Street

50 Scott Street Unit# 110

62 First Avenue

62 First Avenue

730 Talbot Street

730 Talbot Street

54 Ayrshire Avenue

27 Peach Tree Boulevard

730 Talbot Street

27 Peach Tree Boulevard

38 Hincks Street

56 Honey Bend

227 Colborne Street

6 - 10 Mcpherson Court

146 Locust Street

21 Ayrshire Avenue

56 Ayrshire Avenue

50 Ayrshire Avenue

52 Ayrshire Avenue

227 Colborne Street

727 Old Hunt Road

146 Locust Street

10 Mcpherson Court Unit# 6

38 Hincks Street

28 James Turvey Place

28 James Turvey Place

381 Talbot Street

37437 Lake Line

381 Talbot Street

20 Windemere Place Unit# 22

42131 Mcbain Line

387 Stanley Park

42131 Mcbain Line

22 - 20 Windemere Place

Con C Pt Lt 1 Dymock Line

24 - 374 Front Street

24 - 374 Front Street

9 Welch Court E

9 Welch Court

6 - 45 Lake Margaret Trail

45 Lake Margaret Trail Unit# 6

Sold Listings

Helpful Tips for Buyers

Helpful Tips for Sellers

Siefert Construction

Our Awards

Let's Get Social

Powered by Juicer

We’re Easy to Find

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

Send us a Message