Helping you navigate the complex world of mortgages so you can focus on what matters most.

Welcome to Sarnia Lambton Mortgages, your premier destination for expert mortgage solutions in Sarnia, Ontario. With a stellar reputation built on over 15-years of industry experience, unwavering reliability, and a commitment to personalized service, Anne Marie Sieders at Sarnia Lambton Mortgages is your trusted guide through the intricate landscape of mortgages.

Your home ownership journey starts here.

As a seasoned mortgage professional with a proven 15-year track record of excellence, Anne Marie's extensive experience in the mortgage industry has made her a trusted name in Sarnia, Ontario. Dedicated to providing personalized mortgage solutions, she aims to help clients achieve their homeownership dreams with confidence. With a commitment to transparency, communication, and unwavering client advocacy, she is dedicated to help you navigate the complexities of the mortgage market.

Anne-Marie Sieders

mortgage agent, level 2
FSRAO #13463

With over 15-years of experience in the mortgage industry, we can help you navigate even the most complex mortgage scenarios with confidence. Whether you're a first-time homebuyer or a seasoned investor, our wealth of knowledge ensures you receive tailored advice and solutions that align with your unique financial situation and goals.


Reliability is not just a promise — it's a core principle. We are committed to being a steady presence throughout your entire mortgage journey. She understands that the process can be both exciting and daunting, and is dedicated to providing you with the guidance and support you need, every step of the way. You can trust that your interests are protected and your questions are answered promptly.


Clear and open communication is the cornerstone of our approach. We take the time to listen to your needs and preferences, explaining each aspect of the mortgage process in straightforward terms. Whether it's discussing mortgage options, explaining the fine print, or providing updates on your application's progress, we are committed to keeping you in the loop and ensuring you feel confident and well-informed.


Your financial well-being is our top priority. We operate with your best interests at heart, advocating on your behalf to secure the most favourable mortgage terms available. At Sarnia Lambton Mortgages, we don't just find you a mortgage; we work diligently to uncover opportunities and strategies that maximize your financial benefits. Our dedication extends beyond the transaction, fostering lasting relationships built on trust and mutual success.

Client Advocacy

why choose sarnia lambton mortgages


We seamlessly blend professionalism with a personalized approach. We understand that securing a mortgage is a pivotal financial decision, and we are committed to simplifying the process, ensuring you make informed choices every step of the way.


Our mortgage consultation service is your first step toward homeownership success. We takes the time to understand your unique financial situation, offering tailored guidance and explaining various mortgage options. At Sarnia Lambton Mortgages, we ensures you make well-informed decisions that align with your long-term plans.

Mortgage Consultation

We understand that your journey to homeownership is not just a transaction; it's a significant life milestone filled with excitement and possibilities. Our mission is to guide you through the journey, offering expert mortgage solutions that are as unique as your dreams. Let us help you simplify the complexities of the mortgage world, providing tailored advice to help you achieve your home ownership goals with confidence.

Gain a competitive edge in the real estate market with our streamlined pre-approval process. We will help you secure a pre-approved mortgage, giving you confidence and negotiating power when shopping for homes within your budget.

Mortgage Pre-Approval

Whether you seek lower interest rates, access to home equity for renovations or debt consolidation, or a mortgage restructuring, we will guide you through the refinancing process to improve your financial situation.

Mortgage Refinancing

Purchasing your first home is a significant milestone. Specializing in assisting first-time homebuyers, Sarnia Lambton Mortgages offers step-by-step support, explaining down payment options, government incentives, and various mortgage types.

First-Time Home Buyer Assistance

For those looking to expand their real estate portfolio, we provide specialized guidance on financing investment properties. We understands the unique challenges and opportunities in this market, tailoring mortgage solutions to align with your investment strategy.

Investment Property Financing


At Sarnia Lambton Mortgages, we believe in empowering our clients with knowledge. Our FAQs aim to demystify the mortgage process, offering insights into key topics such as mortgage costs, the role of a mortgage broker, and other crucial aspects of homeownership. If you have questions that go beyond what's covered here, please don't hesitate to reach out to us. We are here to provide you with the information and guidance you need to make informed decisions on your journey to homeownership.


How much does a mortgage broker cost in Sarnia, ON?

Typically, using a mortgage broker does not cost the borrower. Mortgage brokers are compensated by the lenders, and they work to find you the most favourable mortgage terms without any direct cost to you.


Why should I use a mortgage broker?

Using a mortgage broker offers several advantages, including access to a wide range of lenders and mortgage products, personalized advice, and the potential for better mortgage rates. Brokers simplify the mortgage process, saving you time and effort.


What's the difference between a fixed-rate and adjustable-rate mortgage?

A fixed-rate mortgage offers a stable interest rate throughout the loan term, whereas an adjustable-rate mortgage (ARM) has a variable rate that can fluctuate.


What's the significance of credit scores in securing a mortgage?

Your credit score plays a pivotal role in the mortgage approval process. Lenders use it to assess your creditworthiness and determine the interest rate you qualify for. A higher credit score typically leads to better mortgage terms. 


How can I enhance my credit score to secure a better mortgage rate?

Elevating your credit score involves diligent bill payment, reducing credit card balances, and minimizing new debt. We will provide personalized guidance for your unique situation.


What's the typical down payment required for a home in Sarnia?

Down payment requirements vary but commonly range from 5% to 20% of the home's purchase price. Anne Marie can provide insights specific to your situation.


How long does the mortgage approval process take?

The mortgage approval timeline typically spans 2-4 weeks, contingent upon factors like the lender and application complexity.

Are you ready to start your mortgage journey?