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37 years of combined experience

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LOADING

For sale $1,199,900

240 Leitch Street

Dutton, Ontario

4 Bedroom 3 Bathroom 2596.3000

For sale $1,249,900

241 Leitch Street

Dutton, Ontario

5 Bedroom 4 Bathroom 2851.1000

For sale $189,900

14653 Currie Road

Dutton, Ontario

3 Bedroom 2 Bathroom 2469

For sale $769,900

28 Hummingbird Lane

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $699,000

215 Vimy Ridge W

Central Elgin, Ontario

3 Bedroom 2 Bathroom

For sale $769,900

28 Hummingbird Lane

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2965

For rent $20 Monthly

393 Talbot Street

St. Thomas, Ontario

2228 sqft

For sale $799,000

255 Miller Road

Dutton, Ontario

3 Bedroom 2 Bathroom 2500

For lease $20 / ft²

393 Talbot Street

St. Thomas, Ontario

2228

For sale $545,000

12 Allan Court

Dutton, Ontario

2 Bedroom 2 Bathroom 1341.2400

For sale $799,900

175 (Lot 52) Renaissance Drive

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1866

For sale $629,000

13 - 63 Compass Trail

Central Elgin, Ontario

3 Bedroom 3 Bathroom

For sale $724,900

173 (Lot 53) Renaissance Drive

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1596

For sale $769,900

163 (Lot 58) Renaissance Drive

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1782

For sale $995,900

Lot 34 - 70 The Promenade

Central Elgin, Ontario

4 Bedroom 3 Bathroom

For sale $819,900

416 Beamish Street

Central Elgin, Ontario

3 Bedroom 2 Bathroom

For sale $609,560

144 Empire Parkway

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale $995,900

Lot 34 - 70 The Promenade

Central Elgin, Ontario

4 Bedroom 3 Bathroom

For sale $739,900

13 Isabel Street

St. Thomas, Ontario

2 Bedroom 3 Bathroom 2204

For rent $1,900 Monthly

109 - 230 First Avenue

St. Thomas, Ontario

1034 sqft

For sale $769,718

57 (Lot 26) White Tail Path

Central Elgin, Ontario

3 Bedroom 3 Bathroom

For sale $607,000

54 Silverleaf Path

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale $739,900

13 Isabel Street

St. Thomas, Ontario

2 Bedroom 3 Bathroom

For sale $607,000

54 Silverleaf Path

St. Thomas, Ontario

2 Bedroom 2 Bathroom 1200

For rent $1,900 Monthly

230 First Avenue Unit# 109

St. Thomas, Ontario

1034

For sale $769,718

57 (Lot 26) White Tail Path

Central Elgin (Munic), Ontario

3 Bedroom 3 Bathroom 1955

For sale $979,900

10217 Turner Road

St. Thomas, Ontario

3 Bedroom 2 Bathroom 1561

For sale $714,734

19 Kantor Court

St. Thomas, Ontario

3 Bedroom 3 Bathroom 2495.4300

For sale $742,718

57 (Lot 35) Silverleaf Path

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale $594,500

149 Empire Parkway

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale $628,932

142 Empire Parkway

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For rent $1 Monthly

90 Gaylord Road

St. Thomas, Ontario

3 ac

For rent $1 Monthly

200 Edward Street

St. Thomas, Ontario

3.41 ac

For sale $628,932

142 Empire Parkway

St. Thomas, Ontario

4 Bedroom 3 Bathroom 2027

For sale $742,718

57 (Lot 35) Silverleaf Path

St. Thomas, Ontario

3 Bedroom 3 Bathroom 1668

For sale $494,000

46 Elgin Street

St. Thomas, Ontario

1700 sqft

For sale $589,900

36 - 63 Compass Trail

Central Elgin, Ontario

2 Bedroom 2 Bathroom

For sale $494,000

46 Elgin Street

St. Thomas, Ontario

1700

For rent $1,100 Monthly

Upper - 656 Talbot Street

St. Thomas, Ontario

1200 sqft

For sale $619,000

56 Silverleaf Path

St. Thomas, Ontario

2 Bedroom 2 Bathroom

For sale OPEN HOUSE $749,999

3 Strathcona Street

Dutton, Ontario

4 Bedroom 4 Bathroom 2913.5000

For sale $619,000

56 Silverleaf Path

St. Thomas, Ontario

2 Bedroom 2 Bathroom 1300

For rent $1,100 Monthly

656 Talbot Street Unit# Upper

St. Thomas, Ontario

1200

For sale $685,500

27955 Park Drive

Wallacetown, Ontario

2 Bedroom 1 Bathroom 582.7200

For sale $714,734

19 Kantor Court

St. Thomas, Ontario

3 Bedroom 3 Bathroom

For sale OPEN HOUSE $725,000

53-49 Royal Dornoch Drive

St. Thomas, Ontario

4 Bedroom 3 Bathroom

For sale OPEN HOUSE $720,000

51-49 Royal Dornoch Drive

St. Thomas, Ontario

4 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

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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

$1,200,000

$1,200,000

Local Listings

LOADING

240 Leitch Street

241 Leitch Street

Lot 66 Bouw Place

14653 Currie Road

28 Hummingbird Lane

215 Vimy Ridge W

28 Hummingbird Lane

393 Talbot Street

255 Miller Road

393 Talbot Street

12 Allan Court

175 (Lot 52) Renaissance Drive

13 - 63 Compass Trail

173 (Lot 53) Renaissance Drive

163 (Lot 58) Renaissance Drive

Lot 34 - 70 The Promenade

416 Beamish Street

144 Empire Parkway

Lot 34 - 70 The Promenade

13 Isabel Street

109 - 230 First Avenue

57 (Lot 26) White Tail Path

54 Silverleaf Path

13 Isabel Street

54 Silverleaf Path

230 First Avenue Unit# 109

57 (Lot 26) White Tail Path

10217 Turner Road

19 Kantor Court

57 (Lot 35) Silverleaf Path

149 Empire Parkway

142 Empire Parkway

90 Gaylord Road

200 Edward Street

142 Empire Parkway

57 (Lot 35) Silverleaf Path

46 Elgin Street

36 - 63 Compass Trail

46 Elgin Street

Upper - 656 Talbot Street

56 Silverleaf Path

3 Strathcona Street

56 Silverleaf Path

656 Talbot Street Unit# Upper

27955 Park Drive

19 Kantor Court

53-49 Royal Dornoch Drive

51-49 Royal Dornoch Drive

Sold Listings

Helpful Tips for Buyers

Helpful Tips for Sellers

Siefert Construction

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