GTA Homes Magazine - July 29, 2023

Where small town charm meets big town expectations

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EXPRESSIONS OPEN NOW IN SIMPLY GRAND

Expressions is a Pronto community, where Losani starts building before you buy. This means no waiting during the early stages of building. Get a quicker closing plus a guaranteed price, guaranteed closing date and free extras. Expressions is an exclusive collection of townhomes near the Grand River in charming Paris, where Toronto is just over an hour away. Striking designer inspired interiors, beautiful open floorplans, and all the benefits of Pronto. Isn’t that Simply Grand?

PERSONAL FINANCE | JESSE ABRAMS

Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com

TRREB REPORT | PAUL BARON

Paul Baron is President of TRREB, and a career real estate executive with more than 30 years of experience. He is the Broker of Record for Century 21 Leading Edge Realty Inc., which he founded in 1993. trreb.ca

WESTERN VIEW | MIKE COLLINS-WILLIAMS

Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

HOME REALTY | DEBBIE COSIC

Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca

REAL ESTATE PRO | BARBARA LAWLOR

Barbara Lawlor is President and CEO of Baker Real Estate Inc., and an indemand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condo developments in Canada and overseas. baker-re.com

DECOR | LINDA MAZUR

Linda Mazur is an award-winning designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds throughout the GTA and Canada. lindamazurdesign.com @LindaMazurGroup

BIG STYLE, SMALL SPACES | LISA ROGERS

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes. Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and The Shopping Channel. Lisa is also a regular guest expert on CityTV’s Cityline. dunparhomes.com.

LEGALLY SPEAKING | JAYSON SCHWARZ

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at info@schwarzlaw.ca or phone at 416.486.2040.

BILD REPORT | DAVE WILKES

Dave Wilkes is president and CEO of the Building Industry and Land Development Association (BILD), the voice of the home building, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter at @bildgta or visit bildgta.ca

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Hope McLarnon 416.708.7987, hope.mclarnon@nexthome.ca

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Natalie Chin 416.881.4288, natalie.chin@nexthome.ca

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EDITOR-IN-CHIEF – GREATER TORONTO AREA

Wayne Karl, wayne.karl@nexthome.ca

CONTRIBUTORS

Jesse Abrams, Paul Baron, Mike Collins-Williams, Debbie Cosic, Sara Duck, Barbara Lawlor, Linda Mazur, Ben Myers, Lisa Rogers, Jayson Schwarz, Sarah St. Amand, Dave Wilkes

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MOVE UP? START BY GETTING IN

It’s hard enough for homebuyers these days, with questions about housing supply, a new mayor in Toronto, other government issues, inflation and rising interest rates.

The Bank of Canada didn’t do this scenario any favours on July 12, either, by raising its target for the overnight rate by 25 basis points to 5.0 per cent. It was the second consecutive increase by BoC, after holding the rate at 4.5 per cent for three consecutive announcements.

Not to dismiss the concerns for inflation and the larger economy that prompts BoC to take such action, higher rates cost everyone – buyers, yes, but also developers and suppliers. They also cause some to pause their homebuying plans.

Meanwhile, we’re all still concerned about the overall impact limited housing supply and steady demand has on affordability, at a time when governments at every level are vowing to do what they can to build more homes.

Who can blame prospective homebuyers from feeling a little unsure of what, when and where to buy?

All of this underlines the importance of buyers being prepared – doing their research and getting everything in order, so when the opportunity strikes, they can take advantage.

Case in point? ReMax Canada’s new Move-Up Market Report, which shows that buyers capitalized on the temporary pause in rate hikes in the second quarter of the year, sparking a flurry of activity in the mid- to upperprice ranges.

“By May, the market was moving full speed ahead until the BoC announced its decision to raise the overnight rate in June and again in July, taking the wind out of the proverbial sails of most markets,” says Christopher Alexander, president of ReMax Canada.

ReMax anticipates major markets may remain hesitant through the summer, but once rates start to unwind, demand for housing will likely ramp up yet again.

Translation: Pent-up demand is building over this period, so whether you’re moving up or just getting in, be ready.

GTA NEW HOME MARKET GAINS MOMENTUM IN MAY

The GTA new home market gained momentum in May, registering the first year-over-year increase in more than a year, the Building Industry and Land Development Association (BILD) reports.

There were 3,109 new home sales in May, which was up 22 per cent from May 2022 and 10 per cent below the 10-year average, according to Altus Group, BILD’s official source for new home market intelligence.

Condominium units, including in low-, medium- and highrise buildings, stacked townhouses and loft units, accounted for 1,976 units sold in May, down three per cent from May 2022 and 14 per cent below the 10-year average.

There were 1,133 single-family home sales in May, up 123 per cent from May 2022 and three per cent below the 10-year average. Singlefamily homes include detached, linked, and semi-detached houses and townhouses (excluding stacked townhouses).

“The GTA new home market has regained some of its strength in the last couple of months, proving that demand in the region hasn’t gone anywhere,” says Dave Wilkes, BILD president and CEO. “If that demand is to be met with the housing supply and choice that residents need, all levels of government must make housing a priority. The provincial government has set the framework to support the building of 1.5 million new homes within a decade, and we are heartened to see the efforts many GTA municipalities are making toward implementing policies that will make it easier to add housing. We would like to see the federal government do its part by enabling housingsupportive infrastructure and being mindful of the impacts of monetary policy on new-home buyers.”

“GTA new home sales climbed higher in May as buyers grew

accustomed to current market conditions,” adds Edward Jegg, research manager with Altus Group. “Builders have been replenishing supply and benchmark prices have softened.”

May’s total new home remaining inventory, which includes units in preconstruction projects, in projects currently under construction, and in completed buildings, was 15,346 units. Thanks to 13 highrise project openings, remaining inventory included 13,867 condominium apartment units. This represents

approximately 13 months’ worth of inventory, based on average sales for the last 12 months. The remaining inventory for single-family homes was 1,479 units, representing approximately 4.5 months’ worth of inventory. A balanced market has nine to 12 months of inventory.

The benchmark price for new condominium units was $1.09 million, which was down 6.7 per cent over the last 12 months. The benchmark price for new single-family homes was $1.73 million, which was down 4.3 per cent over the last 12 months.

MAY NEW HOME SALES BY MUNICIPALITY

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MARKET CONDITIONS TIGHT IN JUNE, TRREB URGES GOVERNMENT ACTION ON HOUSING SUPPLY

Home sales and the average selling price in the GTA in June 2023 remained above last year’s levels, the Toronto Regional Real Estate Board (TRREB) reports. Seasonally adjusted sales dipped on a month-over-month basis, while the seasonally adjusted average selling price and the MLS Home Price Index (HPI) Composite benchmark were up compared to the previous month.

“The demand for ownership housing is stronger than last year, despite higher borrowing costs,” says TRREB President Paul Baron. “Home sales were hampered last month by uncertainty surrounding the Bank of Canada’s outlook on inflation and interest rates. Furthermore, a persistent lack of inventory likely sidelined some willing buyers because they couldn’t find a home meeting their needs. Simply put, you can’t buy what is not available.”

GTA realtors reported 7,481 sales through TRREB’s MLS system in June 2023 – up 16.5 per cent compared to June 2022. The number of listings was down by three per cent over the same period.

The year-over-year increase in sales, coupled with the decrease in new listings, mean market conditions were tighter this past June relative to the same period last year. The average selling price was up by 3.2 per cent to $1.18 million. The MLS

HPI Composite benchmark was still down by 1.9 per cent on a year-overyear basis – the lowest annual rate of decline in 2023.

“A resilient economy, tight labour market and record population growth kept home sales well above last year’s lows,” says TRREB Chief Market Analyst Jason Mercer. “Looking forward, the Bank of Canada’s interest rate decision this month and its guidance on inflation and borrowing costs for the remainder of 2023 will help us understand how much

sales and price will recover beyond current levels.”

“GTA municipalities continue to lag in bringing new housing online at a pace sufficient to make up for the current deficit and keep up with record population growth,” adds TRREB CEO John DiMichele. “Leaders at all levels of government, including the new mayor-elect of Toronto, have committed to rectifying the housing supply crisis. We need to see these commitments coming to fruition immediately, or we will continue to fall further behind each month.

“In addition to the impact of the listing shortage, housing affordability is also hampered on an ongoing basis by taxation and fees associated with home sales and construction, as well as the general level of taxation impacting households today. Going forward, we need to look at all of the factors influencing the household balance sheet and people’s ability to house themselves,” says DiMichele.

BUILDER WARRANTIES TOP OF MIND FOR 55 PER CENT OF NEW-HOME BUYERS

A report from Ontario’s new home warranty provider indicates that new-home buyers are concerned about their builder warranty, among other issues.

Tarion, an independent consumer protection organization that administers Ontario’s new home warranty program, has launched the Tarion New Home Buyers Report, drawing a detailed portrait of Ontarians buying new homes. Designed as an evidence-based consumer education resource, the report puts a spotlight on new-home buyers – who they are,what they are looking for and how they prepare for one of life’s biggest purchases.

“The Tarion New Home Buyers Report reveals what’s important to these future purchasers and their families to make effective decisions,” says Peter Balasubramanian, president and CEO, Tarion.

Based on an online survey of 526 Ontarians, the report shows that, when preparing to buy a home, respondents most commonly report having looked through home listings online (60 per cent), discussed their financial situation with a financial advisor or professional (53 per cent) and met with a real estate agent (50 per cent). Three in 10 (31 per cent) have obtained a mortgage pre-approval; 28 per cent have visited a pre-construction site or showroom.

The sample analyzed in the report reflects the diversity of Ontario’s population:

IMMIGRANTS AND NEW CANADIANS

• More than one-third (35 per cent) of Ontarians intending to purchase new homes were born outside Canada

• These buyers are already established in Canada, having spent here on average 17 years since their immigration

• 39 per cent immigrated to Canada less than 10 years ago

FIRST-TIME VERSUS REPEAT BUYERS

• One-third (35 per cent) of respondents are first-time home buyers; the remaining two-thirds (65 per cent) are repeat buyers

• First-time buyers are more likely to be millennials (46 per cent), single (54 per cent), considering buying a condo (42 per cent) or townhome (43 per cent), and newcomers who arrived in Canada within the past 10 years (74 per cent)

• Most repeat buyers are baby boomers (86 per cent) and are married or in common-law relationships (69 per cent)

MILLENNIAL BUYERS

• Overall, 54 per cent of Ontarians shopping for new homes are millennials

• Millennials are more likely to consider pre-construction homes (81 per cent)

• Millennials are more likely to consider a home in urban areas (63 per cent)

“One insight that stands out in the Tarion New Home Buyers Report is that immigrants and new Canadians are a large part of Ontario’s new homes story,” says David MacDonald, group vicepresident, financial services, at Environics Research Group, who led the survey work. “It’s also interesting that, while intenders are a diverse group with many different journeys, the demographic getting into the new homes market is fairly young overall.”

WHY ARE ONTARIANS BUYING NEW?

The report sheds light on what motivates Ontarians in their new

home journeys. Most (84 per cent) anticipate using the new home as their primary residence. Nearly six in 10 (58 per cent) like having the option to rent all or part of the home; 15 per cent consider using it as an investment property’ and 72 per cent value the possibility to work from home.

Top factors in choosing a new home include home size and space (98 per cent), price (98 per cent), energy efficiency of the home (96 per cent) and its appliances (92 per cent), the home’s style or design (94 per cent), the builder or building company’s reputation (92 per cent), and the home’s warranty protection (91 per cent).

NEW HOME BUILDER’S WARRANTY PROTECTION

• Eight in 10 (83 per cent) respondents are aware of the new home builder’s warranty, although 40 per cent hesitated when asked whether newly built homes in Ontario come with it

• When asked who provides the new home warranty, more than half (54 per cent) think it’s the builder

• For 55 per cent, the builder’s warranty is a very important consideration for purchasing a new home

“Consumer awareness is a critical consumer protection issue,” says Balasubramanian. “If people are confused about the warranty program or aren’t aware of it, then it won’t serve its purpose. It is encouraging to see that a majority of people looking to buy a new home have a general awareness of the warranty program, that it’s a builder warranty, and that many believe it’s an important consideration when they buy a house.”

building small town canada.

We start with location. We let the land decide what our communities should look like. We create simple yet remarkable amenities to bring families together. That sense of place helps to determine the design and character of each community’s Master Plan.

Ask yourself if what you’re looking for is a place to live – or a place to Live Remarkably.

HOW WILL TORONTO’S NEW MAYOR IMPACT THE NEW

HOUSING MARKET?

proposes stronger protections for renters through rent controls within these affordable units.

BEN MYERS

After a campaign with more than 100 candidates, Olivia Chow lived up to her advanced polling prediction, becoming the first-ever mayor of colour and the first female since Toronto’s amalgamation in 1998. She won the election with 37 per cent of the vote, compared to her closest contender, former deputy mayor Ana Bailao, who had 33 per cent. An experienced politician, the 66-year-old Chow served as a school board trustee before sitting on Toronto city council for nearly 13 years, and becoming an NDP federal member of parliament for the Trinity-Spadina riding of Toronto between 2006 and 2014.

As Chow takes on her mayoral duties, the city is beset with issues, the first being a $1-billion budget deficit carried over from negative revenue years at the City brought on by COVID-19. This issue certainly presents additional challenges, as she will tackle one of Toronto’s biggest issues – housing affordability and supply.

While there is no one solution to magically fix these issues, Chow has publicly stated that she would address them in broad and more specific strokes.

Chow intends to implement inclusionary zoning, where new residential projects will have a certain percentage of affordable units. She said she would implement regulations and policies that prioritize affordable housing as part of urban development plans by allocating public land for affordable housing projects. She

Chow’s significant move on the housing front is a commitment to build 25,000 rent-controlled homes on city-owned lands over the next eight years, with the city re-entering a space it has long since vacated – development. One of her policy proposals is an affordable home fund with a $100-million annual investment to reduce “renovictions” by purchasing, repairing and transferring affordable rental apartment buildings to notfor-profits. Part of this investment will include the establishment of a Toronto Renters Action Committee to work on anti-renoviction by-laws, and doubling the reach of Toronto’s Rent Bank to help more than 3,000 Torontonians per year avoid eviction.

Where things get murky is how Chow will fund some of her initiatives. In a CBC interview, she said “Property tax will increase a modest amount” but admitted, “I can’t give a number.” She has hinted at an increase of land transfer tax up to three per cent on homes of more than $3 million in current value. She has also proposed a one- to three-per-cent vacant home tax increase.

Chow said in another recent interview that she is all for building up density on main streets and along transit routes.

These proposals sound good on paper, however, the City wants inclusionary zoning, but is unwilling to give developers anything in return for building these units. By ignoring best practices in the space, this means the affordable units are just an additional cost that is ultimately passed onto new-home buyers. Some economists will counter that developers should pay less for land to offset this cost,

but this is easier said than done, as many land vendors are quite sticky with their asking prices.

The notion that the City of Toronto can operate as a non-profit developer and deliver housing at scale is a bit far-fetched, as it can’t seem to fix a pothole or build a bus shelter in less than six months. Attracting top talent away from for-profit developers will be difficult, and that aggressive goal will almost certainly not be met.

Increasing property taxes is long overdue, and reducing renovictions is a noble pursuit, but both initiatives, along with more stringent rent control, may have the impact of reducing investment activity in the real estate industry. This may sound good to some people, but many of those investors are building housing, and helping fund the construction of new homes.

Political platitudes made during an election cycle will be tested under real-world stresses and limitations. In the past, Chow has been known for a leadership style characterized by collaboration, inclusivity and a genuine desire to listen to the concerns and ideas of others. I wish her the best of luck, but when push comes to shove, I’d bet on higher prices and higher rents in three to four years in Toronto.

Myers is the President of Bullpen Consulting, a boutique residential real estate advisory firm specializing in condominium and rental apartment market studies, forecasts and valuations for developers, lenders and land owners. Contact him at bullpenconsulting.ca and @benmyers29 on Twitter.

Ben

NEW COMMUNITY

Harbourtown Village – Silvergate Homes’ newest Fort Erie community an opportunity to own on picturesque shores

Harbourtown Village represents a rare opportunity and unique location, in a small yet amenity-rich town without the hustle and bustle of the GTA.

URBAN PLANNING

15-minute neighbourhoods deliver more accessible and affordable housing – report

As Canada continues to grapple with a housing crisis rooted in a persistent inventory shortage, ReMax Canada explores possible solutions in its latest report, 15-Minute Neighbourhood: Lessons for Small Communities.

HOUSING POLICY

Future of Hamilton and area depends on addressing housing shortage

The City of Hamilton, along with Burlington and Grimsby, find themselves at the centre of a troubling paradox, according to homebuilding industry sources.

TORONTO

Toronto mayor Chow needs to take immediate action on housing – BILD

The Building Industry and Land Development Association congratulates Olivia Chow on the by-election victory, and offers to work with the mayor to find ways to achieve more housing supply and improved affordability.

AFFORDABILITY

Toronto gives municipal leaders failing grades on housing

Leading up to the recent Toronto mayoral by-election, Torontonians gave City Council a failing grade on housing affordability.

FLATO DEVELOPMENTS

WHERE SMALL TOWN CHARM MEETS BIG TOWN EXPECTATIONS

Flato Developments Inc. is a developer like no other. From luxury singles in Markham, Oakville and Caledon to master-planned communities in Dundalk, Lindsay and Owen Sound. Flato Developments is a force for forward progress in community development projects. Ranging in size and style, Flato offers townhomes and singles, and has branched into purpose-built rental communities to help support the expansion of attainable housing options throughout Ontario. Having built more than 20 developments over the course of two decades, Flato Developments is a builder with experience, dedication and style.

GREYSTONE, OWEN SOUND

Located on the southeast side of charming Owen Sound, walking distance to Owen Sound Regional

Hospital, Georgian College and numerous shopping and dining options, the Greystone community offers an exclusive enclave of new housing in a prime location.

The first phase of the Greystone community, currently for sale, features singles and townhomes ranging in style from standard, backto-back, rear lane and courtyard. These lots nestle into the landscape and provide exceptional access to amenities, transit routes, Georgian Bay and local recreation options such as the Bruce Trail and the 77km long CP Rail Trail. If you enjoy spending your free time enjoying the splendor of mother nature’s gifts, you should consider living in Owen Sound. From the uniqueness of the MS Chi-Cheemaun commercial ferry that docks in downtown Owen Sound and sails the waters of

Georgian Bay, to the local waterfalls, the proximity of top-quality golf, ski and snowmobiling, Owen Sound is a recreation mecca. Called the Scenic City, Owen Sound will not disappoint anyone as a place to live, work and play.

Future phases will include purposebuilt rental apartments, commercial and additional single-family homes. This curated community is currently on a limited release sales event. Visit flatogroup.com/greystone-village to register for more information.

GRACE AND GRAND, LINDSAY

Located in the picturesque city of Kawartha Lakes, Lindsay is a community rich in history. Lindsay sits between Lake Sturgeon and Lake Scugog, and the Scugog River, which meanders through town. Go for a paddle down the river, practice

your photography at Purdys Old Grist Mill on the water, take in a show at the historic Flato Academy Theatre or a pint of local micro brew. Lindsay has all the character and charm of a small town, with the amenities, convenience and access to transportation needed to exceed your expectations.

Grace and Grand is a masterplanned community that will enhance and revitalize Lindsay with its superior quality construction and finishes for which Flato Developments is known. Grace and Grand is currently taking registrations in preparation of the first release of Phase 1 townhomes, coming this summer. As with all Flato Developments’ master-planned communities, these premium homes will integrate into the local community and include trails, parks and be followed in later phases by single-detached homes, commercial and rental developments. Visit graceandgrand.ca for registration and get first chance at this this elegant opportunity.

HOW DO PURPOSE BUILT RENTALS FIT INTO THE FLATO DEVELOPMENTS BRAND?

Whether looking for your first home or your dream home, buying a house is to reach a pinnacle for many adults. As life progresses and benchmarks change, older adults may aim for new goals – travel, pursuing hobbies, helping your children buy a house or pay for schooling. Flato Developments has opted to cater to those at all stages of the homeownership spectrum, including those who opt to sell. Often a home is the largest asset in someone’s life, and selling allows you to access the equity you’ve amassed to fund the lifestyle of your dreams.

This is the basis for Edgewood Suites active adult communities. These purpose-built rental apartments offer the best of all worlds, as they are increasing the diversity and availability of housing options for older adults in newly constructed, high-quality communities, and offer maintenance-

free living. Surrounded by peers with access to top-notch amenity spaces such as a games room, library, gym, patios, multi-use trails and concierge services, the Edgewood Suites brand is the preeminent choice for adults 55 years and older, looking to rightsize your living. Edgewood Suites

buildings are located in the masterplanned communities designed by Flato Developments to ensure that they are central to community services and amenities, easily accessible and a complement to the community building for which Flato Developments has become known. The flagship location of Edgewood Suites is its Dundalk property, now available for immediate occupancy on remaining units. Visit the Dundalk location to view currently available units, or for a sneak peak of what is in store when Edgewood Suites comes to Owen Sound, Lindsay and a community near you. Visit edgewoodsuites.ca for more information or call 226.274.5008 to book your tour today.

TORONTO’S NEXT CHAPTER:

WHAT’S IN STORE FOR HOUSING?

Following the election, Torontonians are eager to see promises for prioritizing housing affordability come to fruition. We’re relaying the housing initiatives set by our newly elected mayor, Olivia Chow. TRREB hopes that these will harmoniously align with our plan to build more homes and make housing more affordable in Toronto.

The mayor’s top three housing initiatives are:

CITY HOMES PLAN

• Building 25,000 rent-controlled homes over eight years

• Minimum of 7,500 affordable units

• 2,500 rent-geared-to-income units on land the City already owns

SUPPORT FOR RENTERS

• Increasing the reach of Toronto’s Rent Bank & Eviction Prevention programs

• Creating a $100-million Secure Affordable Homes Fund

• Establishing a Renters Action Committee

NEW HOUSING TAXES

• Increasing the City Municipal Land Transfer Tax (MLTT) on homes selling for $3 million or more

• Increasing the City’s Vacant Homes Tax from one to three per cent to fund affordable housing initiatives

At TRREB, we believe that it is imperative that Toronto keeps fighting

for housing affordability. Now is the critical time to move from electoral promises to actual implementation. We must build 285,000 homes over the next 10 years. This will help keep homeownership and rental properties affordable for future generations. To achieve this vision, this is our plan to build more homes and make housing affordable in Toronto:

DOUBLE DOWN ON THE HOUSING ACTION PLAN

The City’s 2023 Housing Action Plan commits to building 285,000 homes over the next 10 years. Notably, TRREB supports the Expanding Housing Options in Neighbourhoods initiative, which calls for the end of exclusionary zoning rules and more as of right mid-density housing up to a fourplex.

NO NEW FEES AND CHARGES ON HOUSING

Toronto homebuyers pay, on average, more than $350,000 in taxes and government fees on detached homes, and more than $180,000 on every condo. In the GTA, this adds up to 31 per cent of the purchase price. In the effort to address the housing affordability crisis, the City must begin with no new fees or taxes on housing.

HAND-UP FOR FIRSTTIME HOMEBUYERS

In our current housing market, young people are struggling the most and they need a hand up to achieve their dreams of owning a home. Toronto should waive the Municipal Land Transfer Tax for first-time homebuyers or increase the rebate and encourage the province to follow suit.

FAIR PROPERTY TAX INCREASES

Property taxes are crucial to good quality public services that benefit all Torontonians. To mitigate their impact on housing affordability going forward, increases should be fair to ensure everyone is contributing adequately.

END THE RELIANCE ON THE MUNICIPAL LAND TRANSFER TAX

Toronto is the only city in Ontario that charges both provincial and municipal land transfer taxes. This double taxation adds almost $38,000 in tax on the average priced Toronto home ($19,000 in MLTT) and must be paid upfront. TRREB continues to disagree with this, and believes that prudent budgeting should make the City less dependent on this revenue which fluctuates with the market.

INVESTMENTS IN CRITICAL INFRASTRUCTURE

New transit and transportation investments will allow for higherdensity and mixed-use communities; which means more housing options. Inadequate essential services will have a negative effect on real estate in Toronto.

Paul Baron is President of TRREB, and a career real estate executive with more than 30 years of experience. He is the Broker of Record for Century 21 Leading Edge Realty Inc., which he founded in 1993. trreb.ca

PAUL BARON

REMOVING PARKING MINIMUMS

WOULD BE A WIN FOR AFFORDABILITY

The Greater Golden Horseshoe is facing an affordability crisis: Rising rent and mortgages are causing strain on many families’ finances. Government and the development industry need to act quickly and cooperatively to increase housing supply. One conceivable way to help is by eliminating mandatory minimum parking requirements. Based on research and case studies from other jurisdictions, we know that parking requirements reduce housing affordability and the development feasibility for new homes. The cost of building parking is high, and it is often oversupplied. Parking minimums were introduced decades ago to ensure that new developments had plentiful parking as the car began to dominate cities in the mid-20th century. More recently however, there has been a policy shift towards more sustainable travel options and denser developments centred on public transit and walkability.

It is time for us to rethink mandating parking requirements for residential developments. Cities across North America are now vastly reducing or outright eliminating mandated parking, as people own fewer cars and desire to live in more urban environments. For example, in 2020, the City of Edmonton eliminated parking minimums and has not seen any negative impacts resulting from this change.

Developers continue to provide parking when needed to meet their consumer demand, but are not overproviding parking when the market dictates it is not necessary. This has resulted in building enough parking to meet demand, but not requiring the developers and newhome buyers to pay for an oversupply of parking spaces.

The cost of mandated parking is high; a single parking space can cost more than $100,000 to build. This cost is passed on to the purchaser or renter of the home. Far worse, in some cases, the additional cost of providing the required parking spots results in developments not being feasible to build. Not only do parking mandates increase the cost of housing, but they can also reduce our overall housing supply potential – at a time where we need to dramatically increase it. If we are to address housing affordability, we need to rethink mandated minimum parking requirements. Where it makes

sense to build, and there is consumer demand, builders will continue to provide parking. Where it does not make sense, there will not be a mandatory requirement in place that increases the cost to provide housing.

In the future, as we increase local transit options, promote sustainable transportation choices, and strive to intensify and redevelop our cities, we must explore removing mandatory minimum parking requirements in cities across the region. By eliminating mandated parking minimums for new development, we can create more vibrant, active, walkable, transit-friendly and more affordable communities.

Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

MIKE COLLINS-WILLIAMS

WHAT IS A POWER OF ATTORNEY AND

WHAT SHOULD IT INCLUDE?

JAYSON SCHWARZ, LLM

Whether you are a young or an older person, preparing Powers of Attorney and Wills is a necessary evil that everyone not only should do but must do. I stress this because I have seen so many times the mess that is left behind when an individual doesn’t take care of their affairs and a family is left trying to pull the pieces together.

This article is not about your Will, it is about preparing Powers of Attorney and not just using printed forms. This became glaringly obvious to me recently when a man suffered a brain aneurism, and his wife was put in the horrible position of having to decide whether to end all life support, effectively leading to the death of her husband.

The husband should have made that decision himself earlier, and spared his wife the horror and guilt. How do we do that?

There are two kinds of Powers of Attorney (POA) that each of us should sign. The first is for financial matters. This POA allows the designated attorney to conduct all financial affairs, as if he or she were that person. This would help, for example, in a case where a person had two broken arms and couldn’t sign cheques. Even with this POA, if you want restrictions and specifics, you need to have the lawyer you retain include these details in the legal document.

The POA for personal care gets even more tricky. This is where you need to think about all of the potential problems that could occur,

and how you want to make decisions on what happens in advance. As an example, here is one kind of clause: I do not wish to be kept alive for any significant period of time if I am in a vegetative state or I am being kept alive by artificial means, unless there is a reasonable chance of my recovery such that I will no longer be in a vegetative state or kept alive by artificial means. Where there is no reasonable chance of recovery, I direct that I be allowed to die and not be kept alive by medications, artificial means or “heroic measures,” and I direct that any such medications, means or measures that would keep me alive in those circumstances be withheld or withdrawn. I do, however, ask that medication, means and measures be mercifully administered to me or medical or surgical procedures be taken to

alleviate suffering even though this may shorten my remaining life.

Or, as an example, here is a list to consider: Health care, nutrition, shelter, clothing and hygiene. At our firm, we typically arrange for either a GP or surgeon to be available to review these issues, and be able to discuss them with our clients as part of the process in order that we might incorporate their desires into their POA.

Taking these steps and clarifying these matters now is the best gift you can give your loved ones. Don’t wait.

Jayson Schwarz LLM is the founding senior partner of Schwarz Law Partners LLP. schwarzlaw.ca.

DEDICATED TO EXCELLENCE

THESE BUILDERS ARE PROUD OF THEIR COMMITMENT TO EXCELLENT CUSTOMER SERVICE AND CREATING GREAT COMMUNITIES.

5 EXPERT TIPS

TO ENSURE YOU HAVE THE RIGHT MORTGAGE

THE IMPORTANCE OF PREPAYMENT PRIVILEGES

JESSE ABRAMS

The homebuying process is an exciting time, but it can also cause a whirlwind of emotions –especially if it’s your first time. As one of the biggest investments you’ll ever make, it’s important that you feel confident in your decision, not only for your home purchase but for your mortgage as well. Here are some key things that should be top of mind before you lock in a mortgage.

FIXED VERSUS VARIABLE RATE

Fixed-rate mortgages have an interest rate and payments that stay the same throughout the length of your mortgage term. For example, if you have an interest rate of 4.3 per cent on a five-year fixed mortgage, the rate will be the exact same for all five years of the term and your payments won’t change. This affords stability when it comes to budgeting your expenses. On the other hand, a variable-rate mortgage has a rate that will change based on market conditions. In this case, there are versions where your payments would remain the same or fluctuate based on the market. However, in both situations, the amount of interest paid off will increase or decrease depending on rate fluctuations. If you’re comfortable with taking a bit of risk and potentially saving more money over your mortgage term, a variable-rate mortgage might be a good route for you.

While paying off your mortgage faster may not be your first thought when making a new home purchase, it’s important to consider if you may plan to do so in the future. Making monthly prepayments or annual lump sums can save buyers a considerable amount of money, however, it’s only worth your while if your mortgage allows for it. If you want to pay your mortgage off as quickly as possible, knowing your prepayment privileges is essential. These privileges are outlined in your mortgage contract and determine the number of additional payments you can make toward your mortgage, as well as how often and how much you’re able to pay off.

BEWARE OF COSTLY PREPAYMENT PENALTY FEES

Once you understand your prepayment privileges, you need to consider the prepayment penalties within your mortgage contract. This should be top of mind when shopping around for different lenders and mortgage options, especially given that penalties – in some cases – can add up to tens of thousands of dollars. Some lenders have higher penalties, such as big banks, or “no frills” mortgage options, while others are lower. Understanding the penalties that come with your mortgage will not only help you find the right option, but also save you money over the long term. This will help you avoid any big surprises if you ever have to break your mortgage earlier than expected.

DON’T GET CAUGHT UP ON THE RATE

Although your rate is a significant aspect of your mortgage, it doesn’t

necessarily mean everything. If you shop for a mortgage based on rates alone, you may find yourself in a situation where you can’t take advantage of features that could save you money. Some lenders might seem favourable because they offer a slightly lower rate, however, these options could cost you more money over time. While the rate you lock in could save you a couple hundred of dollars, your amortization length and prepayment privileges have the potential to save you thousands. That’s why it’s important for buyers to understand the significance of other mortgage features, aside from rates.

EXPLORE YOUR OPTIONS AND SHOP DIFFERENT LENDERS

Going beyond the big banks, other lenders such as credit unions and monoline lenders continue to grow in popularity because they offer competitive products, lower rates and penalties, and increase your chances for approval.

If you’re currently navigating the homebuying and mortgage process, the most important thing to do is ensure you’re informed before taking this next step. Having clarity and understanding the fine print will allow you to make a decision that is right for you.

Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com

TAPPING INTO RENEWABLE RESOURCES

DEBBIE COSIC

We’re always looking to find more sustainable and cheaper alternatives to run our lives and homes. With the advent of electric cars and geothermal heating, we now have cleaner, cost-saving options.

From wood-burning fires to oiland gas-powered heating, natural gas became the preferred fuel of choice as a result of extensive pipeline networks that could reach communities – far and wide.

Oil heat burns hotter, but it requires a tank outside the home in which to store it. Over time, tanks break down and petroleum might leach into the soil and surrounding bodies of water, contaminating municipal and private drinking water. Gas can also have a negative effect on the environment, as it is extracted through a method called fracking, which can affect the integrity of the earth’s surface. In addition, gas can be emitted without any warning to the homeowner, as there is no smell associated with leaks.

GEOTHERMAL BENEFITS

• Significant savings on heating and cooling

• Efficient

• Low maintenance

• Reduced operational costs

• Possible government subsidies

• Environmentally friendly

• No smells

• Adaptable to most climates

• Renewable energy

• Reduced greenhouse gas emissions

While all of these may be referred to as natural resources, they are not easily renewed. Our forests are being depleted at an alarming rate, and gas is a fossil fuel that will not be replenished in our lifetime, or many human lifetimes.

Geothermal energy is a clean, renewable resource that can be harnessed from the earth’s core to be used for heat and electricity. Wells, which range from a few feet to several miles deep, are drilled to access underground reservoirs of very hot water. This is then brought to the surface to generate heating and cooling applications. The heat that flows through the earth’s core is constantly being replenished by naturally decaying radioactive elements.

Geothermal power plants are also more compact than wind and solar power stations. Plus, geothermal resources can be harnessed for power production without having to import fuel.

SAVINGS ON EVERY LEVEL

The average monthly cost for natural gas in 2023 is $51.42. And, for electricity, each household pays about $130 for basic service. The Environmental Protection Agency (EPA) says property owners can expect up to 70 per cent savings on heating costs, and up to 50 per cent savings on cooling costs, if a geothermal heat pump is installed. Realistically, a 1,500-sq.-ft. home can expect to pay between $30 to $50 per month in heating and cooling costs. Plus, hot water availability is limitless and virtually free.

While the installation of personal geothermal system is still quite high, the long-term benefits are priceless.

DON’T JUDGE A HOUSE BY ITS FACADE

New home construction is also becoming more energy efficient, and builders are introducing any number of materials and methods to assist with cost-saving measures when it comes to utilities and upkeep. It’s important to research the behindthe-scenes infrastructure of your new home to ensure that the most advanced systems are being used to preserve its overall integrity and functionality, while being considerate of the environment. By building a geothermal exchange system into a building site, each new home becomes its own ecosystem. Geothermal energy accesses a completely sustainable resource from our planet’s core, providing a renewable cycle of natural elements to help keep us warm and comfortable throughout the year.

subterrarenewables.com

Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca

MARKHAM AND SCARBOROUGH

HOT REAL ESTATE AREAS

In the spring, Baker Real Estate Inc. launched Tower 1 of 450 suites at Metropia’s Union City in Markham, and the response was phenomenal. We sold out in one weekend, and immediately launched Tower 2 with 450 units, and that tower sold out quickly. The release of Tower 3 with another 450 suites is proving just as successful. Demand for new homes and condominiums in Markham is tremendous, and it is easy to understand why.

Markham has been a popular residential destination for decades because of the high quality of life residents enjoy. That quality of life includes attractive diversity and inclusion in population, cultures, foods and celebrations. Markham is also home to an array of businesses in a variety of sectors, from small entrepreneurial start-ups to multinational enterprises. There is diversity in the make-up of neighbourhoods as well, from the heritage sites or Markham Village and historic Unionville to the urban excitement of downtown Markham.

In addition to a wealth of existing excellent schools, Markham will welcome the Markham Campus of York University in spring 2024. The campus will offer academic programs and research revolving around technology and entrepreneurship. The city offers activities and support for all ages and is proud to offer healthy, vibrant and sustainable communities.

One of Markham’s most attractive features is being home to part of Rouge National Urban Park, the largest of its kind in North America. This natural wonder encompasses

creeks, forests, farms, trails and marshland. The park stretches down through Scarborough, another residential hotspot right now.

Part of the city of Toronto, Scarborough is also a delightfully diverse collection of residential communities and businesses including one of the city’s largest shopping malls, several golf courses, numerous headquarters of notable companies, and the historic Guild Inn with its installation art and ruins of columns. It is also home to the Toronto Zoo, the largest in Canada. The Zoo focuses on conservation, preservation and education. In addition, the facility houses plant species from around the world, including one of the largest tropical plant collections in Canada.

With the 2021 census reporting that 76 per cent of Scarborough residents identified as members of visible minority groups, this section of Toronto is a welcoming harbour for people of all ages, backgrounds and ethnicities. The area boasts many local arts organizations and festivals, including multicultural events. Topping off Scarborough’s amenities is the University of Toronto

Scarborough, as well as two of Centennial College’s campuses and its Performing Arts Centre.

As for nature, the Scarborough Bluffs is one of the most beautiful areas of Ontario, with its sandy beach, dramatic lookouts, boat launch, visitor dockage and picnic areas. The Bluffs is one of those “you have to see it to believe it” natural features. Along with Lake Ontario, the Bluffs form the spectacular backdrop for Residences at Bluffers Park, another highly successful condominium community we launched earlier this year.

Markham and Scarborough certainly have timeless appeal, making the homes and condominiums in those areas desirable at any given time or economic situation.

Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com

BARBARA LAWLOR

Bluffers Park by Skale and Diamante

GEORGIAN COMMUNITIES INSPIRED BY NATURE

As one of the most reputable land developers and builders in the Simcoe and Grey County Regions, Georgian Communities deliberately establishes neighbourhoods that are purposeful and meaningful. The company’s award-winning real estate projects have created quite the buzz – a passion for nature and community have influenced its vision for three, current unique neighbourhoods and expanding to brand new upcoming communities, as it continually invests in the future of southern Ontario and its rich culture.

Neighbourhoods in small-town Canada hold unique bonds within their communities. Your neighbours become friends, and friends become family. Georgian Communities strives to elevate this sense of togetherness to its highest potential by creating master-planned communities that focus on bringing people together. Amenities inspired by nature and the surrounding landscapes have a special place in these communities, creating a place for adventure, dreams and simplistic values. Each of Georgian’s thoughtfully designed communities starts with a beautiful

Canadian landscape, and is carefully nurtured until it becomes something truly remarkable.

The beauty in simplicity is the core of every one of Georgian’s communities. Everything comes back to nature, and the intrinsic value in a more simplistic lifestyle. From planning and construction to purchasing and decor selections, Georgian works hard to keep things simple, thoughtful and reliable. The company works with local trades to build its communities. Volunteers for community initiatives. Sponsors sports leagues. By deliberately investing in neighbourhoods to foster meaningful life, Georgian invests in the future of the land and the families that will live there. This is what sets Georgian apart, making it one of the most trusted developers in Ontario.

Connecting people to the land, and to each other, is what Georgian does. They celebrate the rich, fertile soil across Canada and the deep roots of tending the land, and offer homeowners a chance to experience this organic, meaningful lifestyle. After all, how many communities have a sugar shack just around the

corner? Or a berry patch just for you? How about a vibrant gathering place known as “The Shed”?

Georgian Communities, through the parent company of Georgian International, cultivates the history of its communities, and turns it into something new, inspired, meaningful and unique.

From the classic homes of Windfall and chic chalets of Mountain House to the charming farmhouse inspired homes of Braestone, each of Georgian’s communities reflect their surroundings. The story of Windfall brought to life the Georgian Bay cottage reimagined in a close-knit community true to the history of The Blue Mountains in a many-chaptered book that has become well loved by homeowners as it grew. The newest chapter at Windfall, Mountain House, added a new twist to the region with its chalet-inspired condos and spa-style amenities. Though Mountain House is complete, the story of Windfall continues, with new opportunities to join the community. Braestone moves away from the mountains and into the classic setting of Oro-Medonte, where rolling fields and gentle woodlands seem painted right out of a storybook. Nestled among this picturesque location is a community of timeless farmhouse estates, with a series of amenities

unbelievable in their scope, all focused on wellness, togetherness and nature.

Keeping in line with its communities, Georgian Communities puts thought and care into each of their hospitality amenities. Braestone Club, for example, is an extension of the Braestone brand in Oro-Medonte. Braestone Club is a welcoming 18hole golf club inspired by the rolling hills and glorious sunsets that grace the region, creating a course so in tune with its surroundings that it becomes a timeless part of the land. With its farmhouse-styled Clubhouse and the “Ktchn” restaurant, Braestone Club upholds the values of nature, community and wellness that one expects from the Braestone branding. By cultivating this brand across Oro-Medonte, a clear image has been made of Georgian International, its values and passion. Braestone started with a farm. As the backbones of our country, farms cultivate life. As homes sprouted from the rich earth, homeowners drawn to the idyllic lifestyle that Braestone’s remarkable amenities offer, this community grew into something bigger. Classic farmhouse architecture returning to the roots of the region. A golf club, where sunny mornings on the green are surrounded by the whispers of the wind in the trees as the sun breaks

the horizon. Food comes from the earth straight to your table, the stars shine brightly overhead at night –best viewed from Starfall, the hilltop observatory of Braestone – and every day brings a new adventure in the rolling fields and winding trails. All of this can be followed back to Georgian Communities and its passion for creating meaningful lifestyles across Ontario, growing into something greater than the sum of their parts.

The uniquely meaningful communities that Georgian creates is something you’ll never find elsewhere. Nature-inspired amenities such as an apiary are not likely to be found in a city. Wellness is an afterthought to many developers, and small-town Canada seems like a thing of the past to those who don’t dream of shady woodlands and friendly neighbours. Georgian Communities knows that small-town Canada holds the secret to life – the way it is meant to be lived. Urban communities have their appeal but will never have the charm and inspiration that lives up at Blue Mountain, or within Oro-Medonte.

For more information, including a new community coming soon to the village of Craighurst, visit georgiancommunities.ca.

FIND YOUR DREAM HOME IN

FIELDGATE’S SIGNATURE

Fieldgate Homes has been shaping the southern Ontario landscape for more than 65 years, with award-winning master-planned communities and residences families have cherished for generations. Superior construction, innovative designs, unmatched attention to detail and attentive customer service are all hallmarks of the company’s excellence. Every home is designed to reflect the contemporary needs and wants of the homebuyer through consistent community engagement – and, the assurance that when you own a Fieldgate home, you are family. Fieldgate Homes is now open for purchasing by virtual sales appointments across the GTA. You can connect by phone, video chat or email for a secure and convenient homebuying experience. Sales teams are waiting to help you find your perfect Fieldgate home. Explore these featured communities and contact the company today.

THE CRESCENTS: BRAMPTON

The Crescents is now open –freehold townhomes and singles

GTA COMMUNITIES

Experience a master-planned community that surrounds you with Brampton’s finest at The Crescents. A collection of 30-, 38-, 45- and 50-ft. singles and freehold townhomes – on mostly crescent streets – just steps from Conservation Drive Park and Heart Lake Conservation Park. Immerse yourself in the city’s unmatched urban amenities, schools and services. Forge new connections with the convenience of Ontario’s fastest transit network, or stroll through the incredible greenspace with woodlands, parks and trails. Find the perfect place for your growing family in the city, against a vibrant backdrop of culture and energy.

Register now at fieldgatehomes.com.

NORTH OSHAWA: DREAMSCAPE

Now open – 30-, 36- and 42-ft. detached singles

Enjoy affordable living in north Oshawa, with the incredible residences of Dreamscape now open. This highly anticipated new home community offers a superb

mix of expertly designed and crafted 30-, 36- and 42-ft. singles, moments to the best modern amenities

Durham has to offer. Big box stores, bespoke boutiques, delicious dining, great schools, trails and conservation areas await those who call Dreamscape “home.”

Register now at fieldgatehomes.com.

AJAX: ATOWNS

Final release – urban townhomes

The final release of stunning urban townhomes at the aTowns Park Collection in Ajax is now open. At Bayly Street and Salem Road, discover new family-sized residences backing onto open greenspace, a series of parkettes, sports court and more, all connected by winding walking trails weaved throughout. Better still, live surrounded by modern amenities and mere moments to Lake Ontario. Get the most out of Ajax’s bustling downtown area and enjoy great shopping, tasteful dining, convenient GO Transit, easy access to Hwy. 401 and so much more all nearby.

Register now at fieldgatehomes.com.

SHELBURNE: EMERALD CROSSING

Final release – 36- and 40-ft. singles

The final release at Emerald Crossing is now open, discover a beautiful country landscape surrounded by every modern convenience imaginable in Shelburne’s most anticipated new home community. Enjoy a collection of 36- and 40-ft. singles available now, just minutes from big brand outlets, remarkable restaurants, breathtaking greenspaces, ski hills, golf courses and so much more. Shelburne has been Canada’s second-fastest growing municipality, so there’s no better time to get in on its best new home opportunity.

Register now at fieldgatehomes.com.

PICKERING: SEATON

Coming soon – semis, 30- and 36-ft. singles

Enter a serene natural landscape that merges with the convenience of big city amenities at Pickering’s awaited Seaton community, coming soon. Live at the nexus of classic and contemporary, with a remarkable collection of semis, 30- and 36ft. singles in a skillfully designed community setting. This new community truly has something for everyone with Pickering Town Centre, beautiful Lake Ontario, shopping, greenspaces, restaurants, Toronto’s eastern border and so much more just minutes away.

Be first to own by registering now at fieldgatehomes.com.

PICKERING: SEATONVILLE

Coming soon – freehold townhomes 30-, 35-, 36- and 43-ft. singles

The newest sprawling masterplanned community carefully designed to reimagine Pickering’s landscape. This landmark community boasts a spectacular array of distinctive freehold townhomes, 30-, 35-, 36- and 43-ft. singles, mere moments from downtown Pickering’s finest modern amenities and protected greenspaces. Quick and easy access to crucial transit options,

Hwys. 407, 412 and 401 connect you to the whole of Durham and Toronto.

Register now at fieldgatehomes.com.

MILTON: VALLEYLANDS OF SIXTEEN MILE CREEK

Coming soon – executive 30-, 36and 43-ft. detached singles

Introducing executive riverside living in a natural enclave setting with Valleylands of Sixteen Mile Creek, coming soon to Milton. Take advantage of your rare opportunity to own 30-, 36- and 43-ft. detached riverside residences, with lots backing onto Sixteen Mile Creek. Moments to southern Ontario’s most acclaimed golf courses and protected greenspaces, retail and restaurants, schools, services and access to the most convenient transit options, embrace a lifestyle unlike any other in Milton. Register now at fieldgatehomes.com for exclusive updates and priority purchase opportunities on Valleylands of Sixteen Mile Creek.

IMPRESSIONS: NEW KLEINBURG

Phase 1 has sold out. Register now for phase 2 – one- and two-car garage freehold townhomes, semis and 30-ft. singles

New Kleinburg is a community of inspired family residences in a beautiful setting just moments from the heart of historic Kleinburg. With the Hwy. 427 extension just minutes away, a new community school and excellent urban amenities close at hand, life in Kleinburg has never been more convenient. Discover a remarkable collection of expansive one- and two-car freehold townhomes in this beautiful masterplanned community.

Register now at fieldgatehomes.com.

WEST WHITBY: WHITBY MEADOWS

Coming soon – new release of freehold townhomes, semis and singles

A new release is coming soon with the Grand Opening of Whitby Meadows Phase 3. Take advantage

of spectacular residences in one of the GTA’s most popular communities, with all-new townhomes, semis and 36- and 42-ft. detached designs. Find a master-planned community offering west Whitby’s best lifestyle near shopping, restaurants, Iroquois Park Sports Centre, Whitby GO Station, Heber Down conservation area, excellent schools and more.

Register now at fieldgatehomes.com.

STOUFFVILLE: CITYSIDE

Coming soon – grand opening of 36and 40-ft. singles

Make your dream home come true in an incredible community setting just moments from Stouffville’s best amenities. Featuring a new release of 36- and 40-ft. singles, embrace city sophistication and country charm from an ideal neighbourhood located close to Markham, Hwys. 404 and 407, and the Stouffville GO Station.

Register now at fieldgatehomes.com.

UNIONVLLE: UNIONVILLE’S UPPER EAST SIDE

New community coming soon –freehold townhomes, 26- and 31-ft. two-car urban singles, 38-, 45- and 70-ft. estate singles

Reach the height of elegance in one of Unionville’s most desired neighbourhoods, with the masterplanned community of Unionville’s Upper East Side. A collection of freehold townhomes, 26- and 31-ft. urban singles with two-car garages, and 38-, 45- and 70-ft. estate singles backing onto Berzcy Creek and open greenspaces, while connected to Unionville’s finest amenities.

Register now at fieldgatehomes.com.

RIVERBANK ESTATES

WHERE RIVERSIDE LIVING EMBRACES NATURE’S SPLENDOR

Imagine a place where the serene embrace of nature meets the elegance of riverside living, creating an unparalleled setting that beckons you to call it home. Welcome to Riverbank Estates, a truly exceptional community nestled on a private peninsula, cradled by the gentle waters of the Nith River and embraced by untouched woodlands. Here, a life of curated luxury awaits you, combining the tranquility of nature with the convenience of proximity to downtown Paris, Ont.

In a world filled with bustling cities and fast-paced living, finding a setting such as Riverbank Estates is nothing short of extraordinary. This exclusive community boasts a unique location, encapsulated by the Nith River on three sides, offering residents the privilege of having the

river as their very own sanctuary. The sprawling ravine lots create an idyllic escape where families can bask in the beauty of the lush green atmosphere, harmoniously integrated into the surrounding nature.

Only a leisurely stroll away from Riverbank Estates lies picturesque downtown Paris, where century homes line cobblestone streets, and stylish shops and fine restaurants add to the town’s allure. A charming bridge grants easy access to this cultural hub, where you can explore boutique shops, savor delectable dishes, and immerse yourself in the town’s undeniable charisma.

Nature enthusiasts will find themselves in paradise at Riverbank Estates. Residents can enjoy direct access to the Nith River trail and the renowned Barkers Bush, where

sensory trails beckon you to embark on rejuvenating walks amid the flourishing woodlands. For families seeking recreational fun, the nearby Lions Club Park offers delightful amenities for all ages to relish.

Riverbank Estates is a flagship community brought to you by Losani Homes, renowned for its commitment to excellence in homebuilding. Expect nothing less than the finest craftsmanship, thoughtful design and innovative features that exemplify the epitome of modern living.

With a selection of large lot sizes, including premium 36-, 40-, 46- and 50-ft. products, Riverbank Estates caters to diverse preferences and lifestyles. Whether you seek spacious estate-like living or contemporary urban homes, this extraordinary

community offers it all. Two-story premium urban contemporary homes stand as a testament to the seamless blend of modernity and nature.

The meticulously planned ravine lots offer unparalleled privacy, creating your very own haven within this natural oasis. Picture waking up to the soft rays of sunlight filtering through the trees, as the river glistens in the morning light. It’s a sight that will take your breath away each day.

For those who value both nature and convenience, Riverbank Estates strikes the perfect balance. While it provides a serene escape from the city’s hustle and bustle, it’s just a stone’s throw away from the heart of downtown Paris. The picturesque town is a treasure trove of history, featuring charming century homes, quaint boutiques and an array of dining options that will tantalize your taste buds.

For nature lovers, Riverbank Estates offers a gateway to an outdoor wonderland. The Nith River trail awaits just beyond your doorstep, meandering along the river’s edge, inviting you to take leisurely walks or invigorating hikes. The breathtaking beauty of Barkers Bush is another hidden gem that will become a favorite destination for serene contemplation and family adventures.

When you choose Riverbank Estates, you’re not merely selecting a place to live; you’re making an investment in a lifestyle that celebrates the essence of living in harmony with nature. The community’s masterful design ensures that the rich natural surroundings remain protected and cherished for generations to come.

Riverbank Estates is more than just a collection of houses; it’s a community of like-minded individuals

who appreciate the value of a life well-lived. The shared love for nature and the pride in being part of a place as exceptional as Riverbank Estates fosters a sense of belonging that is both rare and enriching.

With its prime location near downtown Paris, the finest amenities and an unparalleled commitment to quality, Riverbank Estates stands as a testament to the harmony of luxurious living and the embrace of nature’s splendor. Discover a new chapter in your life at Riverbank Estates – a sanctuary where riverside bliss and curated luxury await.

A TOUCH OF

PERSONALITY Give your walls

As a designer, I have always been passionate about colour and texture. I enjoy the beauty and lushness found in richly coloured fabrics, the coarse texture of rough-hewn salvaged wood and the aged patina of beautifully tarnished metals. Throughout history, we have seen many magnificently classic design features for our walls, be it ornately elegant plaster mouldings reminiscent of vintage Parisian apartments, or the rich mahogany paneling of stately English manors. These stunning creations gave classic splendor, charm and personality to our walls. Over time, we were introduced to modernism, which brought along its own stark beauty and simplicity. We’ve seen colour trends change, wallpapers come and go, all kinds of wood, or faux wood and wall cladding, but in the end, our desire to bring style and character to our walls has continued.

Undoubtedly, our walls have experienced many different lives over time, giving us an abundance of inspirations to draw on. However, deciding on a design direction can be a bit of a challenge. One of the easiest ways to liven up your walls is with paint. A rich, bold colour can add drama to your space, or simply create a contrasting feature wall for a quick and inexpensive wall makeover; and should you tire of the colour, it’s a relatively easy fix.

Wallpaper is always a great way to add character to your walls. Again, whether it’s an entire room, or just a feature wall, a bold patterned wall covering will undoubtedly be impactful in your space. There are some stunning wallcoverings out today full of colour, texture and pattern. From bold geometrics to vintage florals, opulent metallic finishes and wood inlays, to the natural uncomplicated look of grass cloth, wallpaper has given us an exciting approach to decorating and the perfect enhancement to spaces large or small.

The warmth and texture of wood can also create a wonderful feature wall. Whether you prefer the look of rustic, reclaimed barn board, a light toned tongue and groove paneling, timeless and classic wall mouldings or you’re in the mood for a bit of fun with some applied moulding and a gallon of paint, you know the addition of wood paneling will definitely make your walls sing. Today, we also have an abundant selection of 3D wall panels and tiles, which are a great way to create a fantastic feature wall with a more modern approach.

Concrete and brick have their own charming character and are a striking addition to any home. The industrial vintage vibe of exposed brick walls, and the modern feel of concrete both add great character and charm.

None of us want to live in a cookie-cutter home. We can decorate our homes beautifully, but in the end what we do with our walls can ultimately elevate our spaces from simply a pretty room to a “wow” room. Inspire your design creativity to create that wow factor in your home. When it comes to adding personality to your walls, the possibilities are almost endless.

Linda Mazur is an award-winning, nationally publicized designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds within Toronto, the GTA and throughout Canada. lindamazurdesign.com

@LindaMazurGroup

HOW TO CREATE AN

OUTDOOR OASIS

Now that we’re deep into summer, we’re all itching to get outside, head to our little outdoor oasis and raise our faces to the sun.

Whether you live in a detached home, condo or townhome, you can have a lush, beautiful garden. Anyone can have a gorgeous garden right on the deck or terrace with a little pre-planning, some fundamental principles and great looking containers.

by LISA ROGERS

ASSESS YOUR SPACE

Figure out how much room there is, and the type of exposure – higher floors on a condo create different planting zones, because they are more exposed to harsh sun and wind. Check with the nursery to see which plants are hardiest under whatever conditions you have.

Calculate the amount of sun – and whether it’s morning or afternoon sun – to determine the type of plants.

If there’s a lot of shade, you’ll be checking out impatiens, periwinkle, Hostas and hydrangeas; while geraniums, salvia, coneflowers and peonies are sun worshipers. To create pockets of shade, try planter boxes along the railing, letting the ivy trail and providing cover for plants below.

CREATE A GARDEN PLAN

You want to enjoy the garden not just outside, but from every vantage

point inside, as well, so figure out the views to coordinate colours and feel. Alternatively, maybe your clean-lined modern interior would be great with a riot of colour to draw the eye outside.

Keep proportion and ratio in mind, so vary the heights of plants by mixing tall plants such as palms or tropical trees with shorter bushes. Tall plants also create privacy from neighbours, as do trellises – but check with the condo board to see if you’re allowed to install those. Add a couple of comfy chairs and a small table, and you’ve created an oasis.

Decide on a colour scheme – not only simple but beautiful and elegant, too, as it will restrain you from buying every plant at the store. Choose two or three plants and repeat them. It saves money in the long run and creates a unified look that is calming and easier to care for.

CONTAINERS

They come in such a variety of sizes, they’ll help with the varied heights. Now in durable lightweight materials

that look like wood or stone, they’re easy to move around. And so easy –no mulch, weeding or digging.

If you like a clean look, choose identical containers that complement simple plant colours, such as glossy green leaves and white blooms. If it’s a cottage-like effect you’re after, use anything – an old metal wash bucket for growing herbs, wire egg baskets for hanging planters, for those coral geraniums and pink begonias, lime green or silvery foliage.

You can also use perennials in your containers – although they don’t spread quite like annuals, and if you’re in a condo you’re not likely to overwater them. In a large pot, place the tallest plant in the centre, and lower the heights as you move outward. For example, surround a tall tree or bush such as hibiscus or Mandevilla, with shorter transition plants and add trailers at the edge.

Best money spent is on plants that spread – impatiens, portulacas, various ivy such as periwinkle and pachysandra – but leave enough room in the pot for them to grow. Otherwise they’ll die off after a month.

Bring out your indoor plants –they flourish outdoors in the summer as long as you keep an eye on sun exposure, which can burn them. Ideal are rubber plants, Schefflera and Christmas cactus.

It’s also fun to grow a tomato or basil plant or two. There’s nothing sweeter than freshly picked cherry tomatoes, and with the basil and a little bocconcini and olive oil, you’ll have a delightful summer snack.

When grouping containers, remember the three-five-seven principle – grouping in threes or fives or sevens. If you’re attaching pots to the fence, position at eye level; if they’re placed on top of the rail, you’ll see only the bottom of the pot when sitting down.

And finally, do add some garden accents. There’s nothing like the sound of water burbling all summer, so add a water feature. Many of them are plug-in, and the water circulates within the feature. Add a fire pit while you’re at it – summer evenings can be chilly, though it’s also handy to have a basket of pashminas at the ready for wrapping around your shoulders.

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes (dunparhomes.com). Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and as a regular guest expert for fashion and image, health and wellness and design on CityTV’s Cityline. Follow Lisa’s blog at craftedbylisa.ca

Family

matters

by SARA DUCK • photos VINH LE

A condo renovation in the heart of Toronto blends a beautiful modern esthetic with heirloom touches

What do you get when you take a condo with sweeping views of the Toronto skyline and clients who want a modern look that honours their Chinese heritage?

“A unique space that is as timeless as it is functional,” says Luca Campacci, designer and co-founder of Level Studio. Campacci and his team were inspired by their client’s antique Chinese furniture pieces passed down from their family. “They were great

jumping-off points to pull colour from,” explains Campacci.

To start, Campacci used a light neutral palette in the main living area and primary bedroom for a calming feel that emphasized the view. From there, pops of pink and purple were drawn from the Chinese furniture pieces and incorporated throughout the home. “We pulled the deep merlot colour from the antique chairs and put it on the walls in the second bedroom and added a sofa bed for guests to maximize functionality,” says Campacci.

The third bedroom was turned into a home office with custom bookshelves to feature the client’s love of reading. A dark grey was used on the walls and shelves to make this room feel very cosy in the day and let the city sparkle at night. “Our client has a deep love of family and ancestry, so we curated a collection of family photos going back generations in the office opposite the marble base desk, making the perfect backdrop for video calls,” says Campacci.

When it came to the kitchen design, things got tricky. Campacci explains that his client requested an island as a must-have for more counter space, but it left little room for a dining table with a comfortable amount of circulation space. So, he and his team worked their design magic to build a new kitchen island to match the upgraded Italian kitchen with a countertop waterfall on three sides.

“We then designed a custom-made dining table in a unique shard-like shape extending on a diagonal to

emphasize the room’s shape and butting upright against the island. The design allows everyone at the dining table the luxury of enjoying an amazing view of Toronto while also having ample circulation space around the kitchen and sliding balcony doors,” he says.

Through teamwork and collaboration with his clients, Campacci transformed the space into a contemporary home that reflects the needs and values of the homeowner, with family at the heart of it all.

With more than 15 years’ experience as a magazine editor, writer and content creator, Sara brings her passion for design and decor to our pages each issue. Instagram: @bysaraduck

PURPOSEFULPLANNING

by SARAH ST. AMAND

Our emotional connection to our home is a powerful and personal one. So, why isn’t this a hotter topic of discussion at the design table? And furthermore, how does form, function and esthetics fit into the conversation?

When taking on a new project, the first thing I do as the designer is to get to know my clients to discover their emotional connection to the home. That includes whether that connection already exists or is something they aspire to achieve through good design.

While one might argue that good design is subjective, there are some basic principles that contribute to a

successful space. Ultimately, good design is about solving problems. Every home has its unique idiosyncrasies. I’m referring to those imperfections – big or small – that contribute to a home’s character but can also create some challenges when it comes to lifestyle, efficiency and esthetics.

Older homes

Structurally speaking, most older homes have issues such as warped walls, or slanted floors and ceilings. These issues are impossible to ignore, from the peculiar shadows appearing on the walls, to objects rolling across the table. It’s not a ghost – unless you’re haunted by poor craftsmanship. This can all be concealed, if not corrected, through thoughtful interior

design. Structural changes are always possible by way of a renovation, but if the building is safe, lighting is costefficient and surprisingly effective at camouflaging these issues.

Intentionally unique

On the other hand, some of these idiosyncrasies are intentional. Consider the architectural details of a Victorian- or Art Deco-era home, or a new build inspired by it. Unusual trim work, window and door casings, wall panels, built-ins, or a fabulous fireplace or staircase are highlighted through good design. As with the problem side of homes, lighting is a great way to help highlight these fabulous features that make a home truly unique.

There’s truly no problem that good design can’t solve

Function and flow

Beyond structural issues, one thing that adds to a successful home design is its flow. I’m referring to how you move through a space – down

hallways, through rooms and around furnishings. Good flow is critical to a home’s function and its style, which happen to be two key focal points of why you benefit from working with an interior designer.

Function is another factor in every well-designed space. How a person or family live in their home is critical to a design that not only works, but works for them. A home’s layout and the flow of traffic through the space and around furniture can be a make-it-or-break-it moment. Great flow should lead you through areas without obvious barriers or breaks. Your experience should be natural and instinctual. This is achieved through continuous elements, including materials, colour palettes and details.

Beyond looks, a home should also flow from a functional perspective. Again, the design focus here is on eliminating obstacles with the proper usage of space and a furniture layout that enhances the homeowners’

lifestyle. For example, what activities do they do at home, where do they like doing them, how often and with whom? Once that is established, a floorplan can be designed as a true experience, rather than random arrangements that do little for the home or its residents. The process begins here, whether one is building from the ground up, doing a full renovation or redecorating. Good design truly does come from within.

Home sweet home

A great house can solve your problems – it’ll warm you up when the world gives you the cold shoulder; it’ll make your life and work more efficient; it’ll bring family and friends closer together; it’ll provide a place to retreat and turn inward, when you need to. There’s truly no problem that good design can’t solve.

If you follow and play by these rules, you will for sure create a great stylish place to call home.

Award-winning designer Sarah St. Amand is founder and principal designer for Sarah St. Amand Interior Design Inc., a multi-faceted firm known for curating uniquely personal livable luxury tailored interiors. Servicing Toronto and the GTA, and North America. stamanddesign.com @sarahst.amandinteriordesign

Photo: Mike Chajecki

FIND YOUR NEXT HOME

AJAX

1. A Towns Bayly St. E. & Salem Rd. S. fieldgatehomes.com

AURORA

2. Queen’s Grove Collection Yonge St. & Bloomington Rd. northstarhomes.com

BRAMPTON

3. DUO Condos 245 Steeles Ave. W. duocondos.ca

4. Spring Valley Village Bovaird Drive W. & Elbern Markell Drive ballantryspringvalley.com

5. Three Rivers Claireville Goreway Dr. & Humberwest Pkwy nationalhomes.com

6. Queens Lane Townhomes Mississauga Rd. & Queen St. branthavenbrampton.com

BRANTFORD

7. Brant West 501 Shellard Lane losanihomes.com

CALEDON

8. Palgrave Estates Mount Pleasant Rd. & Hunsden Rd. flatogroup.com

9. Pathways Caledon East Old Church Rd. & Innis Lake Rd. flatogroup.com

ETOBICOKE

10. Lake & Town Islington Ave. & Lake Shore Blvd menkes.com

11. Boutique Towns 80 Thirtieth St. dunparhomes.com

KLEINBURG

12. New Impressions Hwy. 27 & Major McKenzie Dr. W. fieldgatehomes.com

MARKHAM/ UNIONVILLE

13. Cornell Markham Bur Oak Ave. & Hwy 7 ballantryhomes.com

14. Upper East Side Unionvillle Major Mackenzie & Woodbine fieldgatehomes.com

15. Riverwalk Meadows Ninth Line & 14th Ave. flatogroup.com

16. Angus Glen South Village 9980 Kennedy Rd., #200. kylemorecommunities.com

17. Kennedy Manors 4500 Major Mackenzie Dr East. kylemorecommunities.com

NORTH YORK

18. Kenneth & Holmes Kenneth & Holmes fieldgatehomes.ca

OSHAWA

19. Dreamscape Conlin Rd. & Harmony Rd. fieldgatehomes.com

20. Park Ridge Conlin & Townline Rds. tributecommunities.com

PICKERING

21. Seaton 1075 Taunton Rd. fieldgatehomes.com

RICHMOND HILL

22. Richlands Leslie St. & Elgin Mills Rd. fieldgatehomes.com

23. Millbrook Park Elgin Mills & Leslie St. northstarhomesinc.com

24. Park Lane Place Elgin Mills & Leslie St. northstarhomesinc.com

25. Observatory Hill Bayview Ave. & 16th Ave. myobservatoryhill.ca

26. Emerald Crossing 8854 Yonge Street fieldgatehomes.com

27. King East Estates King Rd. & Toscanini Rd. pureplaza.com

SCARBOROUGH

28. 670 Progress Ave. Progress Ave. & Grangeway Ave. fieldgatehomes.com

TORONTO

29. Lambtown Towns 2650 St. Clair West dunparhomes.com

30. 2650 St. Clair Ave W. 2650 St. Clair Ave W dunparhomes.com

THORNHILL

31. Citylux Towns at Thornhill Woods Dufferin St. & Rutherford Rd. fieldgatehomes.com

WHITBY

32. Country Lane Taunton Rd. & Country Lane countrylanewhitby.com

33. Park Vista/Whitby Meadows Cochrane St. & Taunton Rd fieldgatehomes.com

WHITECHURCH /STOUFFVILLE

34. Blue Sky 9th Line & Millard St. fieldgatehomes.com

35. Cityside Stouffville Tenth line & 19th Ave. fieldgatehomes.com

The latest properties in the Greater Toronto Area to keep your eye on

BUILDERS IF YOU WOULD LIKE TO INCLUDE YOUR PREVIEW REGISTRATION, NEW RELEASE OR SITE OPENING IN THIS FEATURE, JUST EMAIL THE DETAILS TO EDITORIAL@NEXTHOME.CA

FIND YOUR NEXT HOME

BURLINGTON /WATERDOWN

1. National Homes in Burlington, 484-490 Plains Rd. E. nationalhomes.com

GRIMSBY

2. Grimsby Waterfront 398 N Service Rd. losanihomes.com

HAMILTONWENTWORTH

3. Soho Homes at Barton & Glover Barton St. & Glover Rd. losanihomes.com

4.Highland Park &Central Park: Midtown & Soho

Upper Red Hill Valley Pkwy & Rymal Rd. losanihomes.com

INGERSOL

5. HarrisView 34 Hollingshead Rd. sifton.com

KITCHENER/ WATERLOO

6. Wallaceton Huron Rd. & Fischer-Hallman heathwood.com

LONDON

7. Victoria On The River Sheffield Blvd. & Commissioners Rd. E. sifton.com

8. Caverhill Clarke Rd. & Kilallay Rd. sifton.com

9. Hudson Park Colonel Talbot Rd. & Pack Rd. sifton.com

10. Liberty Crossing Wonderland Rd. S. & Hamlyn St. sifton.com

11. Middleton Wharncliffe Rd. & Exeter Rd. sifton.com

12. RiverBend Golf Community 2200 Jack Nash Dr. sifton.com

13. Rosewood Nissouri Rd. & Thorndale Rd. sifton.com

MILTON

14. The Valleylands Mayfield Rd. & Chinguacousy fieldgatehomes.com

15. Hawthorne Park Oakwood Dr. & Byron Ave. sifton.com

MISSISSAUGA

16. Whitehorn Woods 1240 Britannia Rd. W. nationalhomes.com

17. Streetsville Centre Mill St. & Queen St. S. dunparhomes.com

NIAGARA REGION

18. Portview Estates Simcoe St. & Canal St. silvergatehomes.com

19. Luna Hwy. 406 & 56, Thorold silvergatehomes.com

20. Harbourtown Village

Fort Erie silvergatehomes.com

21. Hazelwood on the Grand Hardy Rd. sifton.com

OAKVILLE

22. The Greenwich at Oakvillage Trafalgar Rd. & Dundas St. East branthaven.com

23. Bronte Meadows Bridge Rd & Warminster Dr. flatogroup.com

24. Upper West Side Condos 2 351 Dundas St. East branthaven.com

25. Trafalgar Ridge River Oaks Blvd. & Namron Gate dunparhomes.com

26. The Villages of Oak Park Trafalgar Rd. & Dundas st. E. ballantryhomes.com

27. West & Post 2714 Westoak Trails Blvd. branthavenoakville.com

PARIS

28. Boulder Creek Cleaver Rd. & King Edward St. sifton.com

ST.

CATHERINES

29. Lincoln Estates Lincoln Ave. & King St. losanihomes.com

30. Lusso Urban Towns Martindale Rd. & Grapeview Dr, St. Catharines. lucchettahomes.com

31. Merritton Mills St. Catharines silvergatehomes.com

32. Woodview at Vista Ridge 4008 Mountain St., Beamsville losanihomes.com

WELLAND

33. Davis Heights 1535 Haist St, Pelham. lucchettahomes.com

34. The Residences at Hunters Pointe 71 Kyntre Trail lucchettahomes.com

35. Edgewater Trails Daimler Pkwy & Magnolia Ln, ballantryhomes.com

36. Village on the Twelve 21 Willow Bank Common St. silvergatehomes.com

37. Riverside at Hunter’s Point 300 Daimler Pkwy., Welland lucchettahomes.com

38.Shelter Cove 15 Cricklewood Cres., Nanticoke sheltercove.ca

WEST REGION

39. St. George Village Concession 2 & Woodhill Rd. losanihomes.com

40. Brant West 562 Shellard Ln losanihomes.com

41. Magnolia Trails Modeland Rd. & Michigan Lane sifton.com

42. Soleil St. Clair Corunna sifton.com

43. Expressions & Riverbank Estates 1021 Rest Acres Rd., Paris losanihomes.com

44. Knightsbridge Graff Ave. & Mornington St. sifton.com

45. Cottonwood Dingle St. sifton.com

46. Edgewood Suites 270 Hagan Street East, Dundalk flato.com

The latest properties in the Southwestern Ontario Area to keep your eye on

5. Midhurst Hwy 26 & Bayfield Rd. Brookfieldhomes.ca

BEETON

6. GreenRidge & Beeton Village 41 Main St. W. flatogroup.com

CAMBELLFORD

7. Haven on the Trent Forest Hill Rd. & Riverside Trail sifton.com

COLLINGWOOD

8. Mountain House at Windfall Mountain Rd. & Crosswinds Blvd. georgianinternational.com

9. Collingwood Maple & Sixth Street georgianinternational.ca

COURTICE

10. The Vale Prestonvale Rd. & Bloor St. nationalhomes.com

DUNDALK

11. Edgewood Greens Hwy. 10 & Main St. East flatogroup.com

12. Edgewood Suites 270 Hagan St. E., Dundalk edgewoodsuites.ca

HORSESHOE VALLEY

13. One Twenty Fonthill Condominium Residences North Pelham at Hwy. 20 mountainview.com

14. Craighurst Horseshoe Valley Rd. & Hwy. 93 georgianinternational.com

15. Braestone Horseshoe Valley 3246 Line 9 North georgianinternational.com

LINDAY

16. Grace & Grand flatogroup.com

NEWCASTLE

17. Belmont treasurehill.com

ORILLIA

18. Professor’s Walk Diana Dr. & University Ave. democrathomes.com

ORO MEDONTE

19. Forest Heights Estates 2 Diamond Valley Dr. democrathomes.com

OWEN SOUND

20. Greystone Village 1800 2nd Ave. E. flatogroup.com

PETERBOROUGH

21. Parklands & The Condo Arbour Villas 1224 Chemong Rd. masonhomes.ca

PORT HOPE/ COBOURG

22. Port Hope Lakeside Village 415 Lakeshore Rd. masonhomes.ca

23. Kingswood Cobourg 425 King St. E. masonhomes.ca

SHELBURNE

24. Emerald Crossing Hwy. 89 & Hurontario St. fieldgatehomes.com

SHOULD YOU ADD

TO YOUR HOME OR REBUILD?

Does your family need more living space than your current home provides? You may be wondering whether it’s better to build an addition or tear down and rebuild. There are many factors that need to be considered when making this decision, including your budget, the state of your existing home and regulatory approval processes.

Building an addition to your home may be the most practical, costeffective choice when you are only looking for a little more room. You may choose to extend the rear of your house to help make your ground floor living area larger. Or you could decide to build a second story, if your home can handle the additional load. A vertical addition can help you avoid costly work such as a new foundation.

Regulatory restrictions related to heritage, conservation or site density sometimes make it impossible to tear down a home and build a new one. Building an addition may simply be the only way to create more space.

There are situations when it makes more sense to demolish the existing home and rebuild. If your home’s structure does not meet today’s building standards for supporting a second floor, building new will help you avoid an expensive structural upgrade.

Similarly, when the layout of the home you want is dramatically different from the one you currently have, it can quickly become more advantageous to build new. There

is a tipping point at which the costs of changing your current layout would overwhelm the savings. In addition, working with an existing structure often means losing the opportunity for higher ceilings or a fresh start on floorplans.

And finally, your current home may simply be too costly to repair. When a home has undergone a series of renovations, it may present a number of construction challenges that need to be dealt with before creating the new envelope. If non-conforming work has been done on the house in the past, it will need to be brought up to current building code requirements, resulting in additional costs. Other considerations include a damp basement, the state of services (water, sanitary and hydro) to the home, and the general quality of existing finishes.

Your RenoMark renovator can help you decide whether building

an addition or rebuilding is the right choice for you. Working with a renovation professional who participates in the RenoMark program gives you peace of mind, because the RenoMark Code of Conduct requires that they offer a minimum one-year warranty on all work, carry a minimum of $2 million in liability insurance and provide a detailed written contract. Visit renomark.ca to find a RenoMark renovator near you.

Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.

DAVE WILKES