Anne-Marie Sieders, Dominion Lending Centres Mortgage Agent
1315 Michigan Avenue N7S 4M6 Sarnia, ON, Canada

Wishing you and your loved ones a safe and happy holiday!

7 Reasons Why People Are Refinancing Right Now As you probably know, interest rates are extremely low right now. And with low mortgage rates, comes opportunity. These opportunities include saving money, creating wealth, or helping you cross things off the ever-growing wish list. To take advantage of these opportunities you’ll need to refinance your current mortgage....Continue reading

Completely spoiled by my talented client!! If you haven’t tried Hodgepodge Cakes you are missing out!

Did You Know...Anyone Can Buy A Property With Only A 5% Down Payment? Yes, that’s right. You don’t have to be a First Time Home Buyer. There is a misconception out there that you can only buy a property with a 5% down payment if you’re a First Time Home Buyer. Well, I’m here to tell you that isn’t true. You might have the funds available right now to buy that next property and you didn’t even know it.... Here are the things you can accomplish with as little as a 5% down payment. ie. a 500k property would require a $25,000 down payment. You can buy a cottage. You could enjoy your own family time there and if you choose, use a service like Airbnb and rent out the cottage when you’re not using it to offset some or all of your carrying costs. Turn your current home into a rental property and buy another principal residence. If you don’t have the 5% down payment, you can look at a refinance of your current home to access the funds. This would be the quickest way to get another property into your growing portfolio. Buy a home for a family member. If you have an immediate family member who needs your financial assistance. They can move into the property as long as they are not deemed rental tenants. Buy a home with a rental suite. Typically, you require a 20% down payment to buy a rental property. But, if you plan on living on the main level and there is a legal basement suite, you can buy this property with just 5% down and earn rental income from day one. Buy that next home. It doesn’t matter if you’ve owned 1 or 4+ homes in the past. You can always take advantage of the 5% down payment option. Keep in mind, you’ll have to qualify for all of these situations but don’t worry, that’s what I’m here for. If you’d like to chat in more detail, just let me know. I’m here to help. **For properties over 500k the minimum down payment increases slightly. You need to put down 5% of the first 500k and then 10% of the balance over 500k. Ie. a $650,000 purchase means 5% of 500k = $25,000 + 10% of 150k = $15,000. Your total down payment required is $25,000 + $15,000 = $40,000. Questions on your mortgage, or want to compare your mortgage to what is currently available? Please contact me. [email protected] 519-330-1796 (Call or text)

Some amazing Sarnia volunteers have put together these maps for a holiday lights tour!

Ontario Hydro rates are now rising. During COVID, Premier Doug Ford froze the rates but at the beginning of this month that all changed. You will, however be able to choose between paying a time-of-use rate or a set rate. Watch this to learn more.

Teamwork makes the dream work! Always thankful for lending partners like XMC Mortgage Corporation who allow us as mortgage agents and brokers to look like the superheroes! #brokerbeast

They shall grow not old, as we that are left grow old: Age shall not weary them, nor the years condemn. At the going down of the sun and in the morning We will remember them.

Christmas is right around the corner. This year has been especially tough for a lot of families. Please help if you can!

Wishing you all a safe and happy Halloween this weekend!