Calgary New Home Guide - Aug 16, 2013

Aug 16 - Sept 13, 2013 Volume 16 Issue 09

inside this issue

BUILDERS AID FLOOD RECOVERY EFFORTS

WHY USE A MORTGAGE BROKER?

CHBA – ALBERTA AWARDS OF EXCELLENCE FINALISTS

mattamyhomes.com

Head North And Wear Comfortable Shoes.

Double Car Garage Showhome, The Sapphire

We have just opened 2 ‘must see’ showhomes in our popular new Calgary community of Cityscape. These Showhomes will give you an opportunity to closely examine the attention we pay to the details of each and every home we build. You’ll see the way we use interior space and create openness throughout the home.

The Iris Showhome is a 1,658 sq. ft. Laned home with modern styling and a thoughtful, useful family interior layout. The Sapphire is a gem with 2,602 sq. ft. of open floor plan space and a Double Car Garage.

Both of these homes demonstrate what makes Cityscape so inviting and such a unique, master-planned place to live. Come North and tour our new Showhomes.

Take your time because the longer you look, the better we look. home

Show

Stoney Trail NW

201

Country Hills Blvd

Métis Tra il NE

rfoot Trail Dee

2

Sales Centre

Stoney Trail NE

home

Show

1

Downtown Calgary

Laned Home, The Iris ‘C’, 1,658 Sq.Ft.

Double Car Garage Home, The Sapphire ‘A’, 2,602 Sq.Ft.

Sales Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm.

All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

Calgary_New Home Guide_(City) Aug2013.indd 1

2013-07-30 9:11 AM

ing Homes start from the mid

$

400

’s*

* Starting from price includes house, lot and GST.

Nature next door neighbour IS YOUR

The Bow River is just down the street, Fish Creek Park is virtually in your backyard, and the mountains are visible on the horizon

Orion Showhome Total: 1969 sq. ft.

Main: 775 sq. ft.

Second: 1194 sq. ft.

• Year-round recreation park • Convenient shopping, restaurants, coffee shops and services close by • Access to downtown and the Calgary International Airport via Deerfoot Trail Cranberry Rd

rail oot T

C r a n s ton

Deerf

Av e

Cranston Dr SE

Cranarch Rd SE

Cranford Dr SE

N

Cranarch Landing SE Cranston Showhomes

Driving Directions: Take Deerfoot Trail south to exit 232 to Cranston Ave toward Seton Blvd. Keep right on Cranston Ave, turn left on Cranarch Rd, turn left again on Cranford Drive, and then turn right onto Cranston Gate.

Cranarch Gate

For more info call Michael at:

403-536-2318

Cranston Showhomes Address: 218 & 222 Cranston Gate SE, Calgary *Pricing subject to change without notice.

Showhome Hours: Mon - Thurs: 2 - 8 pm | Sat, Sun & Holidays: 12 - 5 pm

follow us:

shanehomes.com

contents aUg 16 - sept 13, 2013

||

voLume 16 issue 09

cover story Innovations by Jayman CAPTURES THE IMAGINATIONS OF BUYERS IN CHAPARRAL VALLEY PAGE 10

features & editorials IN EVERY ISSUE

6

editor’s note

COLUMNISTS 16 fundamentaLLy speaking

The importance of selecting a reputable moving firm

by Wayne Karl

26

insight

the homebuying process

Industry helping in post-flood rebuilding efforts

by Donna Moore

47

12 20

Landscape living

by Brad Jackman

28

IN THE NEWS

mortgage moguL

40

Jayman

HOMEBUYERS’ HELP cover story

10

$750K gift to Kids Cancer Care made in Jayman-Gangnam Style morrison homes

Morrison Homes set to launch new Discovery Series brand

by Heather Ryan

14

chBa - alBerta

CHBA - Alberta announces Awards of Excellence finalists

Innovations by Jayman captures the imaginations of buyers in Chaparral Valley showhome review

Shane Homes’ Fiesta II a hit with buyers in New Brighton

by Heather Ryan

22 34

Why use a mortgage broker?

by Jason Eldridge

moving tips

10 tips for a safe move showhome review

Cardel launches vibrant, inner city homes

by Heather Ryan

48

homebuyers’ resource section

Mortgage calculator and rate table

vice-president, wall2wall media

Jacqueline Hill

director of sales, western canada

Josh Heppner

editor-in-chief, national real estate

Susan Legge art director

Bianca DiPietro editor

Wayne Karl contributing editors

Sara Duck Elisa Krovblit Lydia McNutt

14

Melanie Gowans

Senior media cONSULTANT

403.200.8462 Follow us on twitter at Twitter.com/NewHomeGuideMel Like us on facebook; facebook/CalgaryNHG

PRODUCTION CO-ORDINATOR

Greg Van Sluytman Graphic designer

Mihail Terentiev Manager of production

Bala Gnanapandithan national account manager, mediative

Paul Slizys

For Advertising inquiries please contact:

403.200.8462

26 34

district maps 9

southeast

19

northwest

25

airdrie

33

southwest

37

Okotoks

39

Cochrane

44

algary region c east

45

Northeast

46

calgary region south

For National Advertising inquiries call:

416.263.6783

Published by

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Calgary’s New Home Guide is published 13 times per year. We are located at 2891 Sunridge Way NE Calgary, AB T1Y 7K7. Phone: 587.226.1313. The magazine is free to the public.

Copyright 2013 All rights reserved by New

Home Guide, Toronto, Ontario, Canada.

Reproduction in any form is prohibited.

Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

Terms Advertisers,

Editorial content are not responsible for typographical errors, mistakes or ­misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.

editor’snote

Solid investment decisions begin at home

I

s there a positive to buying a new home in our current economic climate?

You bet there is.

When you buy from a new-home builder, your investment is backed by a strong warranty program. It protects your deposit before the home is built and it offers protection against defects in work and materials, unauthorized substitutions and delayed closings or occupancies after the home is constructed.

What are the other positives of buying a new home? New housing prices are extremely competitive at this time and interest rates are low. If you think posted rates look good, ask your bank or mortgage broker if they can do better.

While no one can guarantee what their home will be worth in the next 10 or 20 years, ask a recent new-home buyer what the value of their home is now. Chances are you will see them smile. There has been a steady increase in the price of new homes, especially in communities with new amenities such as schools, shopping and transit.

There are no rules about what exactly a builder or sales representative must tell you about your prospective new neighbourhood, so do some homework of your own and investigate the area.

The media often stresses the negative side of the story. It’s time to make solid investment decisions, and look beyond the doom and gloom. Investigate how you can make Canada’s economic environment work for you.

Happy new-home hunting!

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media,Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Choose your mover wisely

For this important part of the homebuying process, take the time to do proper research

F

ar too many people, it seems, have a moving horror story. Not just tales of damaged possessions, delayed deliveries or unavailable trucks, but far worse instances of outright crime. Moving company ripoffs, in fact, are one of the top scams monitored by the Better Business Bureau (BBB).

After saving for a down payment, paying lawyer’s fees and other costs associated with buying a home, who can blame buyers for wanting to save a few bucks on the one area they likely feel they can tackle themselves, or by hiring a discount mover to do the job on the cheap.

The problem with the latter choice, especially, is the high risk you run in being victim to the various schemes employed by unscrupulous moving companies.

To protect yourself, the Canadian Association of Movers, which holds members to a strict code of ethics, urges consumers to research prospective moving firms: contact the CMA for checklists and referrals, as well as other sources such as Industry Canada and the BBB. Moving into a new home should be an exciting and celebratory experience.

Ensure it remains that way by not cutting corners on this last important step.

Wayne Karl

EDITOR Wall2Wall Media, wayne.karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

06 NEW HOME GUIDE | AUG 16 - SEP 13, 2013

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

Powered by

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 07

canpages_filler_VF.indd 1

13-02-26 4:50 PM

CHBA - Calgary Region

2012

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SHOWHOMES: Cranarch Landing DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Shane Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Discovery Homes, Landmark Homes, Baywest Homes, Brookfield Homes www.livecranston.ca SHOWHOMES: Walden Terrace SE DEVELOPER: Genstar BUILDERS: Cardel Homes, Innovations by Jayman, Excel Homes, Homes by Avi, California Homes, Avi Urban

52 STREET

HLAND DRIVE

2 AVENUE

03 CRANSTON

GLENMORE TRAIL BARLOW TRAIL

MORE VOIR

SHOWHOMES: Copperpond Heath SE and Copperpond Blvd. SE www.copperfield.ca DEVELOPER: Hopewell Residential Communities BUILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

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17 AVENUE

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SHOWHOMES: Mahogany Boulevard SE & Mahogany Heights SE DEVELOPER: Hopewell Residential Communities BUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes, Homes by Avi ESTATE SHOWHOMES: Mahogany Manor SE BUILDERS: Baywest Homes, Calbridge Homes, Morrison Homes www.mahoganyliving.com

06 McKENZIE TOWNE

DEVELOPER: Brookfield Residential ELGIN VILLAGE SHOWHOMES: McKenzie Towne Dr. SE, Elgin Meadows Green SE., Elgin Estates View SE BUILDER: Cardel Homes, Albi Homes, Cove Properties, Cardel Lifestyles, Brookfield Homes, Avalon Master Builder www.livemckenzietowne.ca

07 NEW BRIGHTON

SHOWHOMES: New Brighton Dr. SE DEVELOPER: Brookfield Residential BUILDERS: Shane Homes, Cardel Homes, Trico Homes, Cedarglen Homes, Morrison Homes, Homes by Avi, Innnovations

by Jayman, Brookfield Homes www.livenewbrighton.ca

08 CHAPARRAL VALLEY 10

9 01 AUBURN BAY

SHOWHOMES: Auburn Shores Way SE & Auburn Springs Blvd SE, Auburn Bay Blvd. SE, Auburn Sound Manor SE, Auburn Bay Gardens, Auburn Shores Landing DEVELOPER: Brookfield Residential BUILDERS: Brookfield Homes, Cardel Homes, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Inspire by Jayman www.liveauburnbay.ca

SHOWHOMES: Chaparral Valley Drive SE & Chaparral Valley SQ DEVELOPER: Genstar BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK

SHOWHOMES: Quarry Landing SE, Quarry Parkway SE. DEVELOPER: Remington Corporation BUILDERS: Cardel Homes

10 LEGACY

DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes, Sterling Homes, Creations by Shane Homes

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 09

coverstory

Innovations by Jayman captures the imaginations of buyers in Chaparral Valley

by Heather Ryan

T

wo distinctive and equally gorgeous showhomes are capturing the imaginations of new-home buyers and proving to be a huge hit in Chaparral Valley in southeast Calgary.

Crafted by Innovations by Jayman the two showhomes – AZUL and NUVIS – are among 10 models available in the community that are being so well received “that we sold out Phase 3 in record time and have launched Phase 4, which is on a quiet culde-sac close to the playground and toboggan hill with quick access to Fish Creek Park,” says area manager Ashley Noer.

“People love the homes because of the size, open floorplans and the price – they start from the $352,000s including lot, GST and a front attached garage, so they are really a great value,” Noer says.

Among the 10 models, four have double attached garages – a new offering for Phase 4 and 5, Noer says. Phase 4 also offers a variety of lots and homes available for quick possessions.

“We’re also excited that we’ll have new showhomes opening at the end of September, and we hope Phase 5 will launch later this year or early 2014,” she says, noting the last phase of the community has just been serviced, so there are limited opportunities remaining.

The 1,680-sq.-ft., NUVIS “is our biggest home with a single-car garage and it’s our most popular model,” Noer says. “People love the design because it offers a cosy layout, a kitchen with lots of storage, a big bonus room, upstairs laundry and all the bedrooms are a good size.”

The NUVIS presents a warm welcome with its neutral colour scheme for a more traditional feel. The entry provides a private space to greet guests with room for a handy bench and off to the left is a half-bath.

Down the hall, the kitchen serves up tremendous work and storage space with full-height cabinets and counters on both sides of the hall, as well as an expansive level surface peninsula with eating bar. Across from the kitchen, the great room and dining room’s open design is great for entertaining.

The NUVIS presents a warm welcome with its neutral colour scheme for a more traditional feel. The entry provides a private space to greet guests with room for a handy bench and off to the left is a half-bath.

10 New home Guide | aug 16 - sep 13, 2013

Upstairs, you step down into a huge bonus room that provides plenty of space for relaxing with the family, and a large window and higher ceiling create a bright and airy feel.

Across from the top of the stairs is a large owners’ suite with walk-in closet and three-piece ensuite, while down the hall are two bedrooms, a full bathroom and double doors that open to the laundry.

The 1,644-sq.-ft.-AZUL presents a modern black and white decor throughout for a cool, chic look “that really makes a statement,” Noer says. The open entry has room for seats, plus offers a private space to greet guests. Just off the entry is a convenient half bath.

Down from the entry, you’ll be wowed by the unique linear kitchen design with its generous counter space and abundance of cabinets. Across from the kitchen, a large dining room table provides substantial space for large gatherings and entertaining, and double doors open to a big pantry.

At the rear of the home, the great room has huge windows on two sides ensuring plenty of natural light, and an adjacent door leads to the rear deck.

Upstairs, the large bonus room is highlighted by a huge niche ideal for your big screen TV and built-in shelves for your

The 1,644-sq.-ft.-AZUL presents a modern black and white decor throughout for a cool, chic look “that really makes a statement” electronics. Off the bonus room is the owners’ suite, with a terrific walk-through closet featuring floor-to-ceiling cabinets and a threepiece ensuite. There are also two good-sized bedrooms, a full bath and a walk-in laundry.

Noer says a great attraction to Chaparral Valley is that both the 18- and nine-hole golf courses are open and the new club house with a restaurant is open to the public.

View these showhomes and check out the new ones this fall, Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m.

For more information, call 403.457.1109 or 403.828.7136, or visit innovationsbyjayman.com aug 16 - sep 13, 2013 | New home Guide 11

inthenews

$750K GIFT TO KIDS CANCER CARE MADE IN JAYMAN-GANGNAM STYLE

Kids Cancer Care RECENTLY announced a $750,000 GIFT FROM

Jayman to its Camp Kindle Capital Campaign. Jayman employees followed the announcement with Jayman Style entertainment for the kids by performing the popular Gangnam Style dance.

As part of the gift announcement, Kids Cancer Care officially unveiled and named the dining hall at Camp Kindle the Jayman Lodge with a ribbon-cutting by Jayman president Graham Boyce, Christine McIver of Kids Cancer Care and a handful of kids.

“We’re so grateful for Jayman’s gift,” said Christine McIver, founder and chief executive officer of Kids Cancer Care. “Not only for the donation, which is truly wonderful and so needed, but for the spirit in which they made the gift. The kids were ecstatic to see them do the Jayman Style dance. Now, every time, the kids eat a meal in the Jayman Lodge, they’ll remember this big-hearted builder and his employees giving their all with major gift and a Gangnam Style dance. It was priceless.”

“The philosophies and guidelines of the Kids Cancer Care Foundation of Alberta camp programs are aimed at creating a strong, caring community. This directly aligns with one of our main pillars of community support,” said Graham Boyce, president of Jayman. “It is also important to us that each community initiative allows us to engage our staff, and we certainly have this opportunity with the camp. To see the positive impact the camp has on kids with cancer and their families, and in turn to see the kids inspiring impact on our Jayman family, makes us feel truly fortunate and honored to be part of this program.”

Kids Cancer Care purchased Camp Kindle in 2009 for $2.2 million, knowing it would require upgrades and renovations to make it suitable for children affected by cancer. The foundation embarked on an $8-million fundraising campaign in 2011 to carry-out the renovations, which included a new medical centre, two camper dorms, dining hall, volunteer lodge, ropes and challenge course, climbing wall and swimming pool. Additionally, a new water treatment system will provide a safe and hygienic water supply for children with compromised immune systems, and improved wheelchair access along with new roadways and pathways will ensure an accessible camp environment for children with disabilities and those undergoing cancer treatments.

12 New home Guide | aug 16 - sep 13, 2013

They say bike rides are

Good for the

hearT They also say shared experiences bring couples closer together. Whoever “they” are, I think they’d approve of how we’re spending our weekends.

Showhome Grand openinG

Sunday, September 8 brookfield | diScovery

Condos and Townhomes Cardel Lifestyles from the $180,000s Harvest Mosaic from the $225,000s

Single Family Homes Brookfield Homes | Discovery from the $300,000s Single Family Homes with front attached garage Cedarglen | Morrison | Shane | Trico from the $400,000s The Highlands by Cardel from the $450,000s Landmark Solar NetZero from the $490,000s

Cranston’s natural surroundings, two new schools and abundant amenities provide everything your family needs to create cherished moments and naturally inspired memories. showhomes open: Monday – Thursday 2pm – 8pm.

Weekends & Holidays 12pm – 5pm.

de

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hwy 22x CraNsToN Cranston ave se

directions Take Deerfoot Trail south to Cranston Ave SE and follow the signs to Cranston.

LiveBrookfield

@live_brookfield

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Semi-Detached Homes Brookfield Homes Side-by-Side from the low $300s

N

livecranston.ca

seton blvd se

showhomereview

Shane Homes’ Fiesta II a hit with buyers in New Brighton

by Heather Ryan

W

ith a range of exceptional standard features and a comfortable open layout that makes you feel right at home, Shane Homes’ Fiesta II in New Brighton has become a hit with new-home buyers.

The 1,879-sq.-ft. Fiesta II showhome “is one of our most popular models, and people say it’s a home they can see themselves living in,” says area manager Ron Kerr. “It’s a very family-oriented home, which offers plenty of room to grow, and a very functional design that flows well. People say the home feels much larger than the square footage.

“Buyers also really love that there are so many different options available, and that the design can be modified to suit their desires, whether it’s a big kitchen or a spa ensuite,” he says. “They also love the high-end standard features, such as granite in the kitchen and bathrooms, nine-ft. ceilings on the main floor and stainless steel appliances.”

Kerr says options in the showhome, such as the boxed-out fireplace in the living room, the extended kitchen and nook and the larger ensuite, are all a hit with buyers.

Stepping inside the Fiesta II, the bright open foyer offers plenty of room to greet guests as well as space for a hall bench or table and you’ll love the contemporary look of the large tile charcoal floor that spans most of the main.

14 New home Guide | aug 16 - sep 13, 2013

Buyers also really love that there are so many different options available, and that the design can be modified to suit their desires, whether it’s a big kitchen or a spa ensuite.

They also love the highend standard features, such as granite in the kitchen and bathrooms, nine-ft. ceilings on the main floor and stainless steel appliances.

Around the corner and down from the front entry, the great room is eye-catching thanks in part to a gorgeous wall-centred fireplace that is surrounded in tiles topped with a large arched niche for an elegant look. The room is also warmed by a plush carpet that complements the decor and gives the room a distinctive feel.

Across from the great room, you’ll want to devour the delectable kitchen that features a long flat-surface granite-topped island as its focal point. The island provides substantial room for food prep and guests can pull up bar stools and socialize with the host or lend a hand with meal prep!

The kitchen also features an abundance of cabinets, granite countertops, full-height tile backsplash with glass mosaic tile inlay and stainless steel appliances. A door in the kitchen opens to a walk-through pantry, with plenty of shelves for storage and it leads to the garage entry.

Adjacent to the kitchen is a huge dining nook that provides space for a large table, and you can even expand the entertaining to the outdoors on the rear deck.

Going upstairs, the owners’ suite has room for a king-sized bed with room to spare. The inviting ensuite includes his and her sinks in a long granite-topped vanity, corner soaker tub, oversized walk-in shower highlighted by a decorative, vertical mosaic tile inlay, granite-topped make-up table and huge walk-in closet.

Down the hall are two good sized rooms for the kids, the main full bathroom and double doors open to the upstairs laundry.

At the front of the home, the bonus room provides a comfortable retreat and plenty of space for kids to entertain friends, or for the family to relax and enjoy a movie night.

Kerr says homebuyers have a great selection of lots that are available, which include those backing onto green space, west- and east-facing back yards and those close to the park.

“Brookfield Residential (the developer of New Brighton) is really quick at getting parks developed. Most parks are already functional before people move in, which is a bonus for buyers,” he says.

Shane Homes also has the 2,054-sq.-ft. Andorra II on its showhome parade in New Brighton. The showhomes, located at 815 and 819 New Brighton Dr. S.E., are open Monday to Thursday, 2 to 8 p.m., weekends and holidays, noon to 5 p.m. Call Ron Kerr at 403.536.2307 for more information about these showhomes and other models and lots available in New Brighton, or visit shanehomes.com aug 16 - sep 13, 2013 | New home Guide 15

fundamentallyspeaking

The importance of selecting

a reputable moving firm

WAYNE KARL is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

by WAYNE KARL WHEN BUYING A HOME, YOU LIKELY WILL CONSULT

» My original contact, who was easily available on cell

with a team of trusted professionals – a mortgage broker, lawyer, perhaps a realtor or builder sales associate and maybe a home inspector. Then, assuming you move ahead with your purchase, eventually you will likely need a mover.

People often don’t consider a mover as an important member of their team of professionals. However, given the critical role they perform – taking possession, at least temporarily, of all your worldly goods and moving them without loss or damage – it’s a function not to be taken for granted. Not doing your due diligence and taking the time to select a reputable mover can invite untold problems.

Case in point: the following example, which admittedly doesn’t involve a new-home move, but the experience is all too common. So is the lesson learned – unfortunately, the hard way.

I recently contracted a “professional” moving company to carry out a last-minute move of five pieces of furniture on behalf of my son, a university student. For a variety of reasons, we decided to hire movers rather than rent a truck.

After calling several firms – including large, wellknown companies and smaller, independent ones – I selected a moving company based in the location where the pick-up was to take place. Drop-off would be about 100 kilometres away.

We agreed on price ($350) and time (9 a.m.) – after I was very clear the move would involve an out-of-town destination. All details were confirmed in a “contract” exchanged via email.

The crew was on time for the move the next morning, but almost immediately began talking about a higher rate – $360. Not a huge difference, but it immediately raised my suspicions.

I’ll spare you all the gory details, but it’s important to share the lowlights of what happened next: » The company I originally contracted the job to the night before was inexplicably unavailable to actually perform the move the next morning, and apparently passed it off to another firm.

phone repeatedly the night before, suddenly was nowhere to be found. » Once the truck was loaded, the fee increased to $450. » Upon arrival at the destination, the movers said the fee was $500. “It’s taking longer than we thought, and the furniture is heavier.” » “Sure,” I said, “right after I call the police.”

16 NEW HOME GUIDE | AUG 16 - SEP 13, 2013

With that, the sordid tale ended. The job not complete, left for us to move the furniture indoors, now the victims of one of the Top 10 scams monitored by the Better Business Bureau (BBB).

“I could write a thesis on this,” says John Levi, president of the Canadian Association of Movers (CAM).

CAM offers consumers the following tips on how to avoid being scammed by unscrupulous movers: » Find reputable movers through the CAM, BBB or provincial government consumer protection agencies » Ask three movers for estimates in writing » Get the terms and conditions in writing » Ensure your goods will be protected for loss or damage » Read customer reviews on movers’ websites and other forums “Consumers have recourse with their provincial government’s consumer affairs department and with the Better Business Bureau,” says Levi. “Both of these avenues are fraught with difficulties and often take many months to come to some form of resolution – satisfactory or otherwise.

And often, the mover simply out-waits the consumer.

“It’s far simpler and more effective to engage a reputable mover in advance rather than trying to fi x a bad situation after-the-fact.”

My example, though painful and infuriating, is minor compared to other common horror stories involving similarly unsuspecting clients.

Make sure you take the proper steps – and the time – to protect yourself.

Prices start in the mid $300’s PHASE 1 IS ALMOST GONE Discover the balance between the convenience of the city and the closeness to nature with options from beautiful starter homes to breathtaking estate homes.

Genesis Standards 9’ main floor ceiling, Hardwood, Granite kitchen countertop, Stainless steel appliance package Gertrude Crawford Sales Manager

18

C 403-829-1082 S 403-475-8162

evansridge@genesishomebuildersgroup.com

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01 PANORAMA HILLSproject for more details.

04 SAGE HILL See ad of a particular

10 Hanson Ranch

SHOWHOMES: Sage Hill Point NW, Sage Valley Park NW, Sage Hill 11 Milano Green NW Showhomes: 99 Panatella Hill NW BUILDERS: Excel Homess, Trico Builders: Trico Homes Homes, Morrison Homes, Discovery Homes, Baywest Homes, Homes by Avi

02 ROYAL OAK 05 NOLAN HILL:Showhomes now open Showhomes: Hidden Creek Blvd. NW

DEVELOPER:Developer: Birchwood Properties DEVELOPER: United Communities Cedarglen Homes | Cardel Homes esis Land Development Corp. | BUILDERS: Birchwood Properties BUILDERS: Homes by Avi, Morrison x Developments Builders: Genstar Homes, Shane Homes, Sterling on Homes | Majestic Homes | 03 EVANSTON Homes, Today’s Homes, Trico Homes, Homes | Centrex Homes SHOWHOMES: Evanspark Circle NW DEVELOPER: Qualico BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

SHOWHOMES: 8 Evansview Manor DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes

SHOWHOMES: Sage Meadows Circle NW DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group, Passion Homes, Reid Built Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATES

DEVELOPER: Melcor BUILDERS: Shane Homes, Reid Built Homes, Landmark Homes, Homes by Avi

12 BEARSPAW WILLOW CREEK

BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

13 WATERMARK AT BEARSPAW

BOW TRAIL

SHOWHOMES: Panatella Blvd. NW, Panatella Square NW, 9 CityLife Panora Way NW Showhomes: 2003 20th Ave. DEVELOPER: Genstar Developer: Birchwood Properties BUILDERS: Homes by Avi, Cardel Builders: Excel Birchwood Properties Homes, Landmark, Homess, Arcuri Homes

SHOWHOMES: 150 Kincora Glen Rd. DEVELOPER: Melcor BUILDER: Excel Homess

10 SAGE MEADOWS

85 STREET

16

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

TR AIL

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RAIL YT

11

CR OW

SHOWHOMES: Tuscany Estate Rise NW DEVELOPER: Brookfield Residential BUILDERS: Albi Homes www.tuscany-community.com

08 KINCORA

HILLS BLVD.

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WOODLAND ROAD

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17

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5 Kinkora Glen Rd. NW

13

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scany Estates Rise NW ma ark Homes | Albi Homes

15 16

SYMONS VALL

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LV R ID GE D

14 10

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07 TUSCANY HILLSIDE ESTATES

144 AVE. NW

ROCKY B

28 Sherwood Blvd.

›› NORTHWESTCOMMUNITIES

Creations by Shane Homes www.nolanhillunited.com

06 BEACON HEIGHTS

SHOWHOMES: Sherwood Crescent NW DEVELOPER: Intergulf Cidex BUILDER: Trico Homes, Intergulf Cidex

DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

14 EVANSRIDGE

DEVELOPER: Dundee Developments BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Landmark Homes, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes

15 ROCK LAKE ESTATES

DEVELOPER: Decker Management BUILDERS: Ashton Custom Homes, Crystal Creek Homes, Lupi Luxury Homes

16 ROCKFORD ESTATES - TRAIL’S END BUILDER: Jager Homes

17 SHERWOOD

DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 19

inthenews

MORRISON HOMES TO LAUNCH

New Discovery Series Morrison homes is pleased to announce the rebranding of Discovery Homes – its time-honoured starter home division. Models previously offered under the stand-alone Discovery brand will be recognized as the Discovery Series under the Morrison Homes brand.

“With a rich 50-year history, the Morrison brand has come to reflect our founder, Frank Morrison’s humble devotion to quality and customer experience,” says Sam Hudson, director of marketing for Morrison Homes.

“Rebranding our Discovery models as part of the Morrison line is a way for us to say that all our homes – including our starter product – share equally in that great legacy and enduring commitment.”

Discovery Homes was started in 1996 as a division of Morrison Homes. Homes that were built under that name can be found most recently in Calgary’s top communities such as Auburn Bay, Cranston, Nolan Hill, Sage Hill and EvansRidge.

The rebrand dovetails with the release of five new starter models, offering more interior space, contemporary design and floorplan features more likely found in front garage homes.

“The objective was to blend modern design trends with every-day practicality,” Hudson says.

“These homes will especially appeal to young couples or families that are looking for more space to enhance their lifestyle – through features like bonus rooms and larger back entries – at a price point that fits their budget.”

A soft launch of the Discovery Series took place at showhome openings of two of these models in EvansRidge on June 29, 2013, with the complete rebrand coinciding with the showhome openings of four new models in Cranston on September 7th.

20 New home Guide | aug 16 - sep 13, 2013

Morrison Homes is pleased to announce the rebranding of Discovery Homes – its time-honoured starter home division.

Models previously offered under the stand-alone Discovery brand will be recognized as the Discovery Series under the Morrison Homes brand.

“As we reflect upon the past 17 years, we want to thank all who have played a role in the success of Discovery Homes,” says Hudson. “This includes our staff, suppliers and trade partners, developer partners, and course, all our many great customers, without whose support and trust, success could not have been possible.“ Morrison Homes is an award-winning home builder based in Calgary. As a large volume master builder dedicated to quality and customer satisfaction, the company builds laned, move-up and estate homes.

Look for Morrison Homes’ Discovery Series in Calgary’s finest communities or at morrisonhomes.ca

askanexpert

Q&A

ASK AN EXPERT: by HEATHER RYAN

Ways to keep your home safe while on holidays Q: My family is looking for a new home and we want to make sure it is energy efficient. What should we be looking for?

A: “With changes in building codes over the years, new homes today are much more energy-efficient than they were even 10 years ago,” says Ron Heggs, director of special projects at Shane Homes. “Instead of 2 x 4 walls and R12 insulation, today we use 2 x 6 walls and R20 and now we blow in insulation in the attic that is R36, R48 even R56. Therefore the R values are going up to make homes even warmer and more comfortable.

“In the days of old, builders never used to insulate exterior walls in the basement, now we do and we have many different types of insulation being used throughout the house from fibreglass, to blown in, to spray foam and more.”

While many builders exceed the code, there is still more you can do to increase the efficiency, he says, such as adding a higher efficiency furnace with variable speed blower or zone controls to help reduce gas consumption and a heat recovery ventilating system that will warm cool air coming into the home, as well as adding comfort.

You can also add a more efficient domestic hot water tank or a

10 tips for a safe move

One of the best ways to ensure your move goes smoothly is to plan it well in advance. The Canadian Association of Movers (CAM) stresses consumers get an early start, giving them time to find the best mover – and to ensure they don’t get caught hiring a rogue mover at the last minute.

Here are 10 tips for a smooth move:

DOs 1. DO hire a reputable mover. Check with your

provincial government, the Better Business Bureau and/or CAM before you contract a mover.

2. DO get three on-site estimates – in writing.

An in-home estimate is a more accurate estimate – and that means fewer disputes later on, during or after the move.

22 New home Guide | aug 16 - sep 13, 2013

tank less unit that provides hot water on demand or even a highefficiency boiler. Adding a drain water heat recovery pipe helps warm water coming into the home, and you could also put in a hot water recirculating pump that can help with efficiency.

“Windows in older homes are typically single pane aluminum sliders, but in today’s homes you have double- or triple-glaze windows and there are solar shield and solar gain windows, all of which improve efficiency,” Heggs says.

Some additional ways to increase energy efficiency include, choosing Energy Star rated appliances and adding products such as LED lighting, low flush or low flow toilets, low flow showerheads, and installing a humidifier that recovers its own excess water.

“There is so much you can do when it comes to increasing energy efficiency including adding things like solar panels,” Heggs says. “It’s a good idea to sit down with your builder to identify what the standard specifications are and discuss various options – it really comes down to choices, costs and what you feel you can afford to do.”

3. DO validate any estimate that is significantly different from the others. Check the mover’s reputation and validate their affiliations.

4. DO read Industry Canada’s Consumer Checklist for Choosing a Moving Company on CAM’s website, mover.net

5. DO ask how your goods are protected against loss or damage and

insured while in transit. You may want additional cargo protection, depending on your valuation of your shipment. And get it in writing.

DON’Ts 1. DON’T make your decision based on the mover’s advertisement or

salesman’s promises. Glossy ads, slick websites and verbal promises won’t ensure a good move. Always get promises in writing.

2. DON’T make your decision based on the lowest price or the company waiving the tax. Low prices are often altered on moving day with additional fees and only a disreputable mover will avoid collecting tax.

3. DON’T allow any company to do an over-the-phone estimate.

A phone estimate is not binding unless it is followed up in writing and is often unreliable because the mover does not have all of the necessary information.

4. DON’T accept the references a company provides at face value.

References can be a marketing strategy so they should not be your deciding factor.

5. DON’T accept any verbal agreement. A verbal commitment cannot be proven in a dispute. Always get promises in writing. You have a responsibility to protect yourself. Find out about your rights and responsibilities. There are consumer protection laws to protect you, but it’s far easier to get a reputable mover than to try and get a remedy after the move.

Old World Traditions TOWNHOMES FROM THE

$260s

LANED HOMES FROM THE

$350s

MOVE-UP HOMES SEMI-ESTATE FROM THE HOMES FROM THE

$400s

$550s

MODERN LIVING Set amid the rolling hills of Calgary’s northwest, Nolan Hill recalls British Isles character of days gone by – right down to the castle-ruin entry features. Yet with abundant park space and nearby shopping, schools and recreation, Nolan Hill offers a modern, family-friendly lifestyle that combines the best of both worlds – old and new.

WWW.NOLANHILLSHOWHOMES.COM HOMES BY AVI | MARKET STREET HOMES | MORRISON HOMES | SHANE HOMES | STERLING HOMES | TRICO HOMES

24

›› AIRDRIECOMMUNITIES 01 BAYSIDE ESTATES

3

7

VETERANS BLVD

VETERANS BLVD

1ST AVE

SHOWHOMES: Bayside Circle SW, Baywater Crescent DEVELOPER: Genesis Land Development Corp.

BUILDER: Genesis Builders Group, McKee Homes, Coco Homes, Sovereign Homes www.genesisland.com

02 WINDSONG

SHOWHOMES: Windsong Dr. DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 REUNION

EAST LAKE

SHOWHOMES: Reunion Street NW. & Reunion Grove NW DEVELOPER: Hopewell Residential Communities BUILDERS: Excel Homes, Sabal Homes, McKee Homes

NOSE CREEK

04 KING’S HEIGHTS

1 YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

9 2

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

5

6 4

SHOWHOMES: Kings Height Blvd.

DEVELOPER: Melcor BUILDER: Jayman MasterBUILT, Loreck Homes, McKee Homes, Reid Built, Shane Homes

05 RAVENSWOOD

SHOWHOMES: Ravenswood Drive DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

06 COOPERS CROSSING

8

SHOWHOMES: Cooper’s Drive, Cooperstown Court DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Vesta, Artigiano, Canterra Custom Homes, Crystal Creek Homes and Harder Homes

07 WILLIAMSTOWN

SHOWHOMES: Williamstown Green DEVELOPER: Vesta BUILDERS: Douglas Homes, Talisman Homes, Vesta

08 HILLCREST

Developer: Apex Developments Builders: Excel Homes, Shane Homes, Trico Homes http://hillcrestairdrie.com

09 PRAIRIE SPRINGS

Builders: Prominent Homes, McKee Homes

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 25

insight

Landscape living

by Brad Jackman

As Calgary matures and grows, homes new and old are

surrounded by landscaping that is outdated, falling apart or simply not appealing to the homeowner. One should never underestimate the many benefits of creating a usable functional outdoor living space customized to your wants and needs. It is important to understand that quality landscaping requires substantial investments of time and money. Thus having a budget and planning around that budget is extremely important.

Homeowners should consider what kind of space is desired. Must it be safe for children? How much entertaining do you do? Are you a gardening green thumb? Or would you prefer no maintenance at all? These are the types of important questions you should have answered in order to create a landscape concept that works for you. Many homeowners underestimate Landscape 360. Professional Landscape Construction.

26 New home Guide | aug 16 - sep 13, 2013

the work associated with landscaping, or the knowledge required to produce a quality outdoor living space. Do-it-yourselfers may be in for a surprise! It is important to hire someone who has extensive experience in the industry, and is a full service landscape company. The key to longevity is quality construction. Landscaping is a process that’s built in layers. Hiring professionals with the proper knowledge base who use high quality materials is a must. Also, be patient with your selection of whom you hire to create your yard. The key to enjoyment and the longevity of your yard is quality craftsmanship.

With a variety of high quality products and many different design concepts your landscape design can be customized to compliment any size and shape of property.

A stylish, functional yard can create a vibrant feel to your home. Be the envy of the block and provide a sanctuary for your family, friends and pets. Landscaping improves your quality of life, the value of your home and adds a little personal flare. Landscape 360 is a fullservice landscape construction company. Our philosophy is based upon professionalism, quality, trust and respect. A locally owned and operated Calgary-based company, Landscape 360 specializes in residential, estate and acreage landscape construction.

403.452.0360 | landscape360.ca |

like us on facebook aug 16 - sep 13, 2013 | New home Guide 27

thehomebuyingprocess

Home building industry helps

flood rebuilding efforts

by Donna Moore

Donna Moore Executive Officer, Calgary Region Home Builders’ Association 403.235.1911 | crhba.com

In the days and w eeks ployees; other member companies donated to the flood relief, helped feed following the flood that devastated many volunteers and homeowners; still others held fundraisers or challenged other Calgary area communities, we’ve seen thou- members to match funds. sands of volunteers and local businesses give We have never been more proud to represent this great industry! generously of their time, money and resources to help their neighbours.

Resources to help with flood recovery The members of the Canadian Home CHBA - Calgary Region has worked closely with UDI – Calgary and the Builders’ Association - Calgary Region – the City of Calgary to co-ordinate the massive cleanup efforts. home builders, renovators, suppliers, trades, Our association has also developed a helpful Flood Information Tool Kit residential land developers and associated that deals with what people need to know about restoring and rebuilding businesses – are the people who have helped their home. Our website, chbacalgary.com, has a wealth of information for to build this incredible city over the years. consumers and members alike who are dealing with the flood.

Now, they are helping the rebuilding process In addition to developing the kit, the site has updated member contribuin a major way. tions, a complete and continually-updated list of Flood Relief Resources, Our industry mobilized immediately, with which includes the City of Calgary and Alberta government updates, a printcompanies and individuals offering everything able list of our member companies, and an updated blog of people needing from manpower, money and meals, to tools, help or able to provide help to those who need it. equipment, support and expertise – and it continues today.

Beware of unscrupulous contractors Our members have donated more than We would also like to make Calgarians and area residents affected by the $1.6 million for flood relief, but what has been devastating flood last month aware of unscrupulous, so-called contractors even more impressive has been the thousands who continue to approach those most vulnerable to rebuild their homes. of man-hours our members have donated Consumers need to protect themselves by ensuring they deal with profestoward the clean-up effort. sionals before hiring a company to do any work. Do the research, ask for Several member companies sent out their references and names of past clients, get a budget estimate before signing fleet of vehicles into the devastated com- the contract – and never, ever agree to do business with a contractor who munities, with the owners of those companies insists on cash payments, especially up front. working shoulder-to-shoulder with their emCHBA - Calgary Region website and its affiliate RenoMark site, renomark.ca, both provide a detailed and informative starting point. The RenoMark website will help homeowners understand how to best approach a project, how to do research and then how to find the right company to do the job. It also outlines the importance of having a written contract for protection.

RenoMark members belong to CHBA - Calgary Region, agree to abide by the association’s Code of Ethics, as well as a renovation-specific Code of Conduct, and must provide proof of licensing, warranty and insurance.

Knowledge is key to a successful renovation, remodel or reconstruction anytime, but particularly important when people are vulnerable and anxious to get the job done quickly so they can resume their normal lives.

Visit our websites and take advantage of the resources that are made available to help consumers make the right choices.

28 New home Guide | aug 16 - sep 13, 2013

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CALGARYHOMESHOW.COM CALGARYHOMESHOW.COM 30 NEW HOME GUIDE | AUG 16 - SEP 13, 2013

PRODUCED BY

PRODUCED BY

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›› SOUTHWESTCOMMUNITIES 8 COACH ROAD

05 SPRING VALLEY ESTATES

SHOWHOMES: 16 Spring Valley Land SW BUILDERS: Tudor, Legend Developments, Elegant

06 CRESTMONT

16 AVENUE

SHOWHOMES: 53 Crestridge View SW DEVELOPER: Qualico BUILDERS: Augusta Fine Homes, Jaymack Custom Homes

MEM

ORI

13

2

08 COULEE WAY ESTATES

DEVELOPER: Coulee Way Developments BUILDER: Christal Homes www.couleewayestates.com

BLACK FOOT TRAIL

ELBOW DRIVE

5

10

10 ELMONT BAY

BUILDERS: Westview Builders, Winwood Homes Showhomes Coming Soon www.elmontbay.com

GLENMORE RESERVOIR

11 SEQUOIA IN SILVERADO

MACLEOAD TRAIL

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

SOUTHLAND DRIVE

DEVELOPER: Qualico Communities SHOWHOMES: Silverado Plains Circle BUILDERS: Broadview Homes, NuVista Homes, Sterling Homes

12 DRESSAGE IN SILVERADO BOTTOM TR

24 STREET

ANDERSON ROAD

MCKEVITT

BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes

MA CLE

JAMES ET

37 STRE

16 ASPENSHIRE

SHERIFF KING STREET

BUILDERS: Prominent Homes

IL

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D

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01 EVERGREEN

13 WESTLAND ESTATES

15 WEST GROVE ESTATES

SHAWNESSY BLVD.

162 AVENUE

11 3 12

DEVELOPER: Qualico Communities SHOWHOMES: Showhomes Coming soon BUILDERS: Baywest Homes, Augusta Homes

BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

FISH CREEK PARK FISH CREEK BLVD

1

07 PASKAPOO IN COUGAR RIDGE DEVELOPER: Apex Developments BUILDERS: Excel Homes www.paskapooatcougarridge.com

17 AVENUE

37 STREET

17 AVENUE

SARCEE TRAIL

16

69 STREET

14 AVENUE SW

85 STREET

BOW TRAIL

15

SHOWHOMES: Everbrook Dr. SW DEVELOPER: Genstar BUILDERS: California Homes

02 CURRIE BARRACKS

SHOWHOMES: J5 2953 Battleford Ave. BUILDERS: Birchwood Properties, Crystal Creek Homes, Home by Avi, Empire Custom Homes, Mission Homes, Greenboro Estate Homes, Greenboro Luxury Homes, Evolution by Greenboro, and Avi Urban

03 SILVERADO

SHOWHOMES: Silverado Drv. SW, Silverado Skies SW, Silverado Blvd. SW DEVELOPER: United Communities BUILDERS: Baywest Homes, Homes by Avi, Sterling Homes, Pacesetter Homes, Trico Homes, Avi Concept

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 33

showhomereview

Cardel

launches vibrant, inner city homes

by Heather Ryan

A

vibrant new semi-detached home design that offers stylish urban living at an affordable price point is being crafted by Cardel Homes for the inner city.

“We’re really excited to be offering an inner-city product of this type for the first time,” says Mike Selinger, vice-president sales and marketing.

“We’ve had calls from clients over the years asking us to build them an inner city infill, but the timing wasn’t quite right given our commitments to our suburban communities.

“Given the challenges, we are currently seeing with new suburban developments, we thought it was a good time to look at the inner city and if we were going to build there, we wanted to craft homes that gave buyers really good value with great specifications at an affordable price point staying around the $750,000 to $825,000 range,” Selinger says.

“We think these homes are a great option for people who are looking for that established neighbourhood lifestyle closer to their work downtown,” he says, while still enjoying the fine features and space they are accustom to in their larger suburbia single-family home.

34 New home Guide | aug 16 - sep 13, 2013

Cardel chose the communities of Altadore, Killarney and Richmond and is building 12 of these newly designed semi-detached homes as part of the Solstice Series.

“We launched sales on the homes in April and have sold three already – two in Altadore, and another in Killarney. “The selling prices ranged from the high $700,000s to the low $800,000s, so we think the price is right and we received very good comments from the customers on the design, value and location,” Selinger says.

The remaining nine homes are in Killarney and Richmond and are all under construction with seven of them ready for occupancy this year and the remaining two in early 2014.

The prices for the homes start at $759,900 including lot and GST, and there are four floorplans to choose from ranging from 1,852 to 1,914 sq. ft. All the homes come with finished basements, raising the total living space to more than 2,600 sq. ft. and a double detached garage.

All the homes are two-storey designs with three bedrooms upstairs, two-and-a-half bathrooms, an upstairs laundry room and a main floor flex room ideal for a home office, den or even a formal dining room.

“We decided to standardize basement development because of the market demand for the additional living space,” Selinger says, noting the basement includes an additional bedroom, full bathroom and expansive rec room.

“The homes present either a traditional or modern architectural exterior style to suit the different tastes of buyers and the exterior and interior colours have been chosen by our professional design staff,” he says.

All the homes are two-storey designs with three bedrooms upstairs, two-anda-half bathrooms, an upstairs laundry room and a main floor flex room ideal for a home office, den or even a formal dining room.

Buyers will appreciate the high standard specifications that include nine-ft. ceilings on the main and in the basement, upgraded engineered hardwood and tile floors, granite countertops, full-height tile backsplash, upgraded stainless steel appliances, gas fireplace, skylights and luxury ensuites with dual sinks and walk-in showers.

The exteriors include fenced yards and landscaping with sod and trees front and back, and the rear double detached garage.

“We’re excited about the opening of a showhome coming soon in Killarney, which will be open weekends only to start,” Selinger says, so watch for announcements on the location and times.

For more information on Cardel’s inner-city Solstice homes, visit cardelhomes.com aug 16 - sep 13, 2013 | New home Guide 35

W SHO O WH P E OM N ES !

EE R

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STOP KISSING FROGS It’s time to meet your proverbial prince…

At long last, you’ve found what you’ve been seeking: a quality community where it’s possible to buy a brand new home AND enjoy the schools, parks, shops and recreational amenities of an established neighbourhood. The final two phases are now selling, so you still have time (if you hurry!) to build a new home and become part of Okotoks’ newest “old” community as well known for its conservation commitments as its family-friendly amenities. visitdrakelanding.com for directions and tour a showhome today.

HOMES FROM THE $400s LIFESTYLE HOMES | PROMINENT HOMES | STERLING HOMES

40 36

DRAKE LANDING | FOREST CROWNE | NOLAN HILL THE RANCH | SAGE HILL | SILVERADO

WWW.UNITEDCOMMUNITIES.COM

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

OKOTOKS AIR RANCH

YSTAL SH OR ES RD.

BANN

R.

ISTER CR GATE

ID GE D

SANDSTONE DR. MOUNTAINVIEW GATE

338 AVE. E.

2A

NO RT HR

8

1 7

OKOTOKS

549

CRYSTAL RIDGE GOLF CLUB

MILLIGAN DR.

3 32 ST. E.

2A

WEST

370 AVE. E.

SHOWHOMES: Ranchers Crescent DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

02 CIMARRON

DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Cedarglen Homes, Coco Homes, Today’s Homes, California Homes, Assured Homes

03 DRAKE LANDING

SHOWHOMES: Drake Landing Way, Drake Landing Crescent and Drake Landing Hill DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Morrison Homes, Sterling Homes, Creations by Shane Homes, Prominent Homes

RO N TR A I L

2B

N

32 ST. E.

WESTLAND ST.

01 OKOTOKS AIR RANCH & RANCHERS’ RISE

AR

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2A

6 4

SOUTHRIDGE DR.

WESTLAND ST.

5

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CIMARRON BLV D.

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DG E

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49

›› OKOTOKSCOMMUNITIES

LVD.

7

2A

04 WESTMOUNT

SHOWHOMES: Westland Street DEVELOPER: Prominence Development Corp.

BUILDERS: Jager Homes, Reid Built Homes, Sterling Homes, WestView Builders

05 EAGLE CREST

SHOWHOMES: Directly behind Westmount DEVELOPER: Prominence Development Corp.

BUILDERS: Carpenter Homes

07 CRYSTAL RIDGE

SHOWHOMES: Crystal Green Dr. DEVELOPER: United Communities BUILDERS: Sterling Homes, Baywest, Crossley Homes

08 MOUNTAINVIEW

(NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Developments BUILDERS: Excel Homes, Sterling Homes www.mountainviewokotoks.com

06 THE HILL IN WESTRIDGE SHOWHOMES: Westridge Road DEVELOPER: Qualico BUILDERS: Sterling Homes

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 37

1

3

2

4

Get the quality renovations you expect from the name you trust.

For a better renovation experience, put the professionals in your corner.

38

1

BASEMENT DEVELOPMENT

3

BATHROOM RENO

2

BASEMENT DEVELOPMENT

4

WHOLE HOME RENO

CALL FOR A FREE CONSULTATION 403.258.1511

›› COCHRANECOMMUNITIES RA

E

1

6

R.

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N

RA

1A

1

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02 JUMPING POUND RIDGE

SHOWHOMES: Jumping Pound Terrace www.jumpingpoundridge.com BUILDERS: WestView Builders, Kingsmith Homes

03 SUNSET RIDGE

SHOWHOMES: Ridge View Green Sunset Way DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi SHOWHOMES: River Heights Blvd., River Heights Cres.

DEVELOPER: Tamani BUILDERS: Phase 3: Innovations by Jayman, Sabal Homes Phase 4: Jager Homes, Jayman MasterBUILT, NuVista Homes

RIVERV 42

SHOWHOMES: Heritage Green DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes,

RD

01 HERITAGE HILLS

E

NG

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NOTE: Map is just a graphic representation of areas of developments.

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RIVERHEIGHTS RISE

RIV

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ES DR.

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DR

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CE

W DO

W BO

ES

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r. kD tric npa Gle

RD.

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ST .W .

POPE AVE.

D

W BO

DG

COCHRANE 1S T.

I EV GL EA

E.R

.

DR

BOW RIDGE DR.

GEORGE FOX TRAIL

RI

1A

22

ROSS AVE.

DG

RD.

BIG HILL RD.

CHINIKI DR.

CENTRE AVE.

W. E

D.

TR EA

R ET

R

TRICK GLENPA

CE RA ER .T W

NUS CMA W. M QU IGL EY DR .

RETREAT RD.

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QUIG E RD.

W. TERRAC

BO W

D.

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T RD REA

RET

NG ER

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CD W. M

SUNSET BLVD.

3

4A VE

261

43

2

8

RD

RD

D4

TW P

7

RIVER HEIGHTS DR.

4

05 MONTERRA ON COCHRANE LAKE

SHOWHOMES: Monterra Link DEVELOPER: Medallion Development Corp.

BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes

06 WESTPOINTE ESTATES

SHOWHOMES: West Pointe Manor DEVELOPER: MGM Developments.

BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE

LOCATION: Cochrane DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith, Landmark, Reidbuilt www.firesidecochrane.com

08 HEARTLAND

SHOWHOMES: Horse Creek Road DEVELOPER: Apex Developments BUILDERS: Excel Homes www.heartlandcochrane.com

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 39

RANGE RD 40

HORSE CREEK RD.

NG

1A

1A

inthenews

Creative Home Designs Take Centre Stage

Alberta Awards

of Excellence in Housing finalists announced 40 New home Guide | aug 16 - sep 13, 2013

The Canadian home builders’ Association - Alberta (CHBA - Alberta) has announced the finalists for the 2013 CHBA - Alberta Awards of Excellence in Housing.

White Eagle Homes leads the competition with seven finalists and Homes by Avi follows with five finalists. Jayman MasterBUILT has four finalists while Ackard Contractors, Carrington Communities, Douglas Homes and Landmark Group of Builders have three finalists each. This year, Edmonton region leads the competition with 36 finalists, close behind is Calgary region with 24 finalists, Central Alberta has three finalists and Lethbridge and Medicine Hat each have two finalists.

The CHBA - Alberta Awards of Excellence in Housing, presented by RBC Royal Bank, honour the top builders and renovators from across the province during a special ceremony on Sept. 13 in Jasper as part of the BUILD 2013 CHBA - Alberta Conference. An exciting addition this year will be the expanded Builder of the Year Awards, with the outstanding accomplishments of builders in the large-volume, small-volume and multi-family categories

Category Builder Name Model City Single-Family Under $250,000 sponsored by Canada Mortgage & Housing Corp.

Douglas Homes Barbados 6 Calgary

Douglas Homes Corpus Christi 3 Calgary Sterling Homes Trista Edmonton Single-Family $250,000 - $280,000 sponsored by CustomerInsight

Daytona Homes Master Builder Austyn II Edmonton Galko Homes Master Builder Lynnwood Lethbridge

Homes by Avi Yorkdale Edmonton Single-Family $280,000 - $310,000 sponsored by Travelers Canada

Broadview Homes Ashbury calgary

Homes by Avi Donovan edmonton

Homes by Avi Hawthorne edmonton Single-Family $310,000 - $350,000 sponsored by Huntwood Custom Cabinets

Broadview Homes Cascade Calgary

Homes by Avi Rosedale edmonton White Eagle Homes Limestone Edmonton Single-Family $350,000 - $400,000 sponsored by Avid Ratings Canada

Jayman MasterBUILT Eclipse I edmonton Rococo Homes Cameron Edmonton White Eagle Homes Sandstone Edmonton

It’s always thrilling to see so many builders participate in the annual competition and we are excited to showcase their innovative and creative designs. each being recognized by a separate award.

CHBA - Alberta will present additional awards in the single-family, multi-family and renovation categories and added an award for community/development. CHBA - Alberta received a record-breaking 412 entries this year from builders and renovators across the province. The submissions are reviewed by a cost review committee before having 137 judges choose the finalists.

“It’s always thrilling to see so many builders participate in the annual competition and we are excited to showcase their innovative and creative designs. Consumers have a wide variety of options from our builder and renovator members; and we encourage you to visit these builders’ showhomes to see many of them for yourselves. We look forward to celebrating their achievements in Jasper when the winners are revealed,” says CHBA - Alberta Chief

Single-Family $400,000 - $450,000 sponsored by Can-Cell Industries

Coventry Homes Symphony edmonton

Jayman MasterBUILT Intrigue Calgary White Eagle Homes Sandstone Edmonton Single-Family $450,000 - $525,000 sponsored by Calgary Herald & Edmonton Journal Kanvi Homes Wooldridge Residence Edmonton White Eagle Homes Blue Pearl Edmonton White Eagle Homes Emilia Edmonton Single-Family $525,000 - $625,000 sponsored by MASCO Canada

Brost Developments Sovdi Residence Medicine Hat

Homes by Avi Dream Home Calgary Riverview Custom Homes Elbow Valley West Calgary Single-Family $625,000 - $750,000 sponsored by Aviva Canada/National Home Warranty Group Albi Homes Veneto Calgary

Celebration Homes Fountain Park Edmonton White Eagle Homes Blue Diamond Edmonton Estate Home $750,000 - $1,000,000 sponsored by New Home Guide, New Condo Guide, Home Décor & Renovations Galko Homes Master Builder Custom Home Lethbridge WestView Builders Albany calgary White Eagle Homes Blue Diamond Edmonton Estate Home $1,000,000 - $1,500,000 sponsored by Weiser Pfister Albi Homes Carrara Calgary Marcson Homes Victoria Edmonton Vicky’s Homes Legacy III Edmonton Estate Home Over $1,500,000 sponsored by Professional Home Builders Institute

Bowood Homes Birchcliff Retreat Red Deer

Crystal Creek Homes Bobier Residence Calgary Calgary

Douglas Homes Musak Residence Multi-Family Apartment Under $325,000 sponsored by Trane

Carrington Communities Dali II Edmonton

Jayman MasterBUILT Midori Edmonton Streetside Developments Unit C1 Calgary Multi-Family Apartment Over $325,000 sponsored by Mattamy Homes

Carrington Communities Addison I Edmonton

Carrington Communities Lammond Edmonton Rohit Communities duke Edmonton Multi-Family Townhome or Duplex Under $300,000 sponsored by Grant Thornton Pacesetter Homes Affirmed Edmonton Pacesetter Homes Alydar Edmonton Sorento Custom Homes Marcelo red deer Multi-Family Townhome or Duplex $300,000 - $400,000 sponsored by Lennox Industries

Jayman MasterBUILT Nitro O Edmonton Landmark Homes Unit 3109 Calgary Shane Homes Allee Calgary Multi-Family Townhome or Duplex Over $400,000 sponsored by Bridgewater Bank Mattamy Homes Manchester Calgary Prominent Homes Altadore Calgary Willowbrook Homes 656 Aaron Calgary aug 16 - sep 13, 2013 | New home Guide 41

inthenews

Alberta received a record-breaking 412 entries this year from builders and renovators across the province. The submissions are reviewed by a cost review committee before having 137 judges choose the finalists

42 New home Guide | aug 16 - sep 13, 2013

Executive Officer Jim Rivait. The award winners will be announced at The Fairmont Jasper Park Lodge.

In addition, CHBA - Alberta is pleased to announce the Safety Leadership Award finalists. The Awards are sponsored

by ATCO Gas as part of their commitment to safety. “Our members are deeply committed to providing safe workplaces for their workers and it is inspiring to see that dedication reflected in safety programs developed by the award finalists. All of these companies should be proud of their leadership in this vital area,” says Rivait. This year’s finalists are: A & B Concrete Pumping, Avonlea Homes, Broadview Homes, Bruin’s Plumbing & Heating, Daytona Homes Master Builder, Keystone Excavating, Parkwood Master Builder, Sterling Homes and Qualico Communities West.

The Canadian Home Builders’ Association - Alberta (CHBA Alberta) is the voice of the residential construction industry in the province. It represents more than 1,500 business members, including new home builders, renovators, developers, trade and supply companies and professional services.

CONTINUED...

Category Builder Name Model City Renovation Under $200,000 sponsored by Alberta Hardwood Flooring Ackard Contractors Parkview West Residence Edmonton Aquarian Renovations Laurier Heights Residence Edmonton Ashton Luxury Living Manzer Residence calgary Renovation $200,000 - $500,000 sponsored by JELD-WEN Windows & Doors Ackard Contractors Ramsay Heights Residence Edmonton

Brost Developments Richard Residence medicine hat

Caliber Master Builder High Park Residence Edmonton Platinum Homes & Developments Goranson Residence red deer Renovation Over $500,000 sponsored by Carrier Enterprise Canada Ackard Contractors Riverpark Drive Residence edmonton Aquarian Renovations Grand Isle Residence edmonton Malbec Homes Barn House calgary Green Home sponsored by Built Green Canada

Habitat Studio Windsor Park NetZero Landmark Group of Builders Chopin Landmark Homes Solex 2 NetZero

edmonton edmonton Calgary

Community Development sponsored by Alberta Community Builders

Brookfield Residential Auburn Bay Calgary

Hopewell Residential Communities Mahogany Calgary Watermark Development Watermark at Bearspaw Calgary

Safety Leadership Awards sponsored by ATCO Gas

builder region Small Employer Builder Member Avonlea Homes Lethbridge Region

Broadview Homes Calgary Region Parkwood Master Builder Edmonton Region Large Employer General Member A & B Concrete Pumping Edmonton Region

Bruin’s Plumbing & Heating Central Alberta Region Keystone Excavating Calgary Region Large Employer Builder Member

Daytona Homes Master Builder Edmonton Region Sterling Homes Calgary Region Qualico Communities West Edmonton Region

aug 16 - sep 13, 2013 | New home Guide 43

›› CALGARYREGIONEAST CHESTERMERE CHESTERMERE

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

2

E

WESTMERE

4

1

STRATHMORE

3

22X

22X

IDDIS

HERITAGE POINTE

04 B UFFALO HILLS (coming soon)

UILDERS: Prominent Homes B Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

LAKEPOINTE

OKOTOKS

DEVELOPER: Mattamy Homes BUILDER: Mattamy Homes Sales centre 400 Westpark Dr.

2A

1 AV. N

RAILWAY AV.

2 AV. S

1 AV. S

ULM ST.

McCANN ST.

RAILWAY AV.

CENTRE ST.

RAILWAY CR.

1

CRILLY CL.

DOUGLAS AV.

3 ST. E

2 AV. N

2 HANSON DR.

HANSON WAY

LAGDON ODDFELLOW HALL

COLWELL ST.

NEWTON ST.

2 AV. N

WENSTROM CR.

DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Carpenter Homes

02 H ANSON PARK

WELSHIMER CR.

LANGDON PARK

WHITNEY ST.

COPELAND AV.

COWAN ST.

MAIN STREET LAGDON VANDERVELDE PL.

COPELAND AV.

WILSON RD.

BOTSFORD ST.

BARBER ST.

THOMAS ST.

LANGDON SCHOOL

ANDERSON AV.

LLOYD CR.

WILSON RD.

CENTRE ST.

BRANDER AV.

HENDERSON BY. HENDERSON RD.

HENDERSON CL.

NESBITT AV.

MCDOUGALL ST.

BESSE AV.

McKINNON ST.

TRAIL NESBITT CL.

MOE AV.

ARBOGAST ST.

01 B OULDER CREEK

GLENMORE HANSON HOLLOW

HIGH TRAIL RIVER

1AV.

LANGDON

797

RAILWAY AV.

RGE RD 27

543 560

KINNIBURGH

DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Homes, Broadview Homes

2

BLACK DIAMOND

22

SHORES ON WESTMERE

DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

CHESTERMERE 797 LANGDON

VALLEY

DEVELOPER: Melcor BUILDERS: Landmark Homes, Lifestyle Homes, Reid Built Homes

1

CALGARY

SHOWHOMES: 80 Westpark Crt., Rainbow Falls Manor DEVELOPER: Truman Developments BUILDER: Jager Homes, Lifestyle Homes, Beattie Homes, Lionsworthe Homes, Douglas Homes

DEVELOPER: Hanson Park Developments BUILDERS: Canaco Homes Ltd, Ovation Homes Ltd, Stepper Custom Homes Ltd, Douglas Homes

STRATHMORE T HE RANCH IN STRATHMORE

SHOWHOMES: 200 Ranch Downs DEVELOPER: United BUILDERS: Lifestyle Homes

WILDFLOWER RANCH IN STRATHMORE

DEVELOPER: Cancorp Property Group Inc. BUILDERS: Carpenter Homes, Paradyme Homes, Aquilla Homes and Canterra Custom Homes

LYALTA 03 T HE LAKES OF MUIRFIELD

SHOWHOMES: Muirfield Blvd.

BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes

44 NEW HOME GUIDE | AUG 16 - SEP 13, 2013

PANORAMA ROAD

IN

GT

ON

TR

68 STREET

TR AI L T OO

DD

DE ER F

BE

TRA IL

AI

L

GAN NAP I

80 AVENUE

2

1

IE

BL

VD

32 AVENUE

14 STREET

.

64 AVENUE

MCKNIGHT BLVD.

68 STREET

UR

CENTRE STREET

LA

64 AVE.

FALCON RIDGE

SHA

CALGARY INTERNATIONAL AIRPORT NOSE HILL PARK

N

3

COUNTRY HILLS BLVD.

COUNTRY HILLS BLVD.

OH

4 52 STREET

HARVEST HILLS

METIS TRAIL

STONEY TRAIL

36 STREET

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES

16 AVENUE

16 AVENUE

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

01 SADDLESTONE

SHOWHOMES: Saddlelake Place NE DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.genesisbuildersgroup.com

02 SADDLEBROOK

DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes

03 SKYVIEW RANCH

SHOWHOMES: Skyview ranch Way NE & Skyview Springs Gdn NE DEVELOPER: Walton Development and Management BUILDERS: Creations by Shane Homes, Innovations by Jayman, Beattie Homes, Morrison Homes, Excel Homes, Shane Homes, Pacesetter Homes, Lionsworthe Homes

04 REDSTONE

DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes

AUG 16 - SEP 13, 2013 | NEW HOME GUIDE 45

›› CALGARYREGIONSOUTH 1A

2

COCHRANE

STRATHMORE

1

1

CALGARY

CHESTERMERE 797 LANGDON

22X

22X

PRIDDIS

TURNER VALLEY

HERITAGE POINTE

BLACK DIAMOND OKOTOKS

2A

543 22

HIGH RIVER HIGHWOOD LAKE

SHOWHOMES: 1901-1903 Riverside Dr. NW DEVELOPER: WestView Builders BUILDER: WestView Builders

HAMPTON HILLS

BUILDERS: WestView Builders

MONTROSE

SHOWHOMES: Montgomery Way SE and Montrose Terrace DEVELOPER: Dundee Developments BUILDER: Lifestyle Homes, Red Door Homes

PRIDDIS HAWKS LANDING

DEVELOPER: Hopewell Residential Communities BUILDERS: Prominent Homes, Baywood Estate Homes, Trickle Creek Custom Homes, Wolf Custom Homes, Thompson Luxury Homes, Bradmar Homes, Baywest Homes www.hawkslanding.ca

46 NEW HOME GUIDE | AUG 16 - SEP 13, 2013

2

HIGH RIVER

BLACK DIAMOND RIVERWOOD

SHOWHOMES: 725 and 821 3rd Street SW DEVELOPER: Riverwood Estates Inc. BUILDERS: Sheep River Homes, Woodmaster Homes

RIVERWOOD ESTATES

BUILDERS: Compass Rose Homes, Sheep River Homes

HERITAGE POINTE THE RANCH AT HERITAGE POINTE

DEVELOPER: Upper Lakes Group Inc. BUILDERS: Astoria Custom Homes

mortgagemogul

WHY USE A

mortgage broker?

by JASON ELDRIDGE

For years, people wishing to purchase or refinance a home have always gone to the same place – their bank. Is this the best option for everyone? Not necessarily, but it is the one option that most people have been aware of, or felt obligated to use... perhaps until now.

In the past, mortgage brokers were often called upon in cases where the client(s) did not qualify under traditional criteria, or they needed money quickly, and hence had to borrow from a “loan shark.” While mortgage brokers still assist clients with bruised credit or other qualifying challenges, the vast majority of our clientele is made up of clients just like yourself, with good job stability and excellent credit.

So why exactly should you contact a mortgage broker?

Firstly (and probably the biggest reason for most clients) – rate, rate, rate! When you go to your bank, more times than not, you will be put into the common situation of having to negotiate with your banker for a better rate. When you work with a broker, if you qualify for the best rates (based on your credit history), you automatically get the best rates.

And the best part – it doesn’t cost you a thing. There is no charge for our service and no negotiation is required. Just remember, even a 0.25-per-cent lower rate can save you thousands of dollars over the course of your term in interest.

Secondly, you have more lenders and options to choose from. When you go to your bank, you have access to only their suite of mortgage products to choose from. Mortgage brokers have access to more than 30 lenders, including many of the chartered banks, so we have access to a vast array of mortgage options to suit your particular needs and goals.

While there can be subtle differences, something such as better

prepayment privileges may be a reason for choosing one institution over another.

Thirdly, mortgage brokers cater to your schedule, not the other way around. Don’t you enjoy the process of calling your bank and then you are told that they can’t see you for a week or so because they are already “booked up” with appointments?

Mortgage brokers will meet with you where and when you prefer, or at the very least offer you the convenience of arranging your financing via phone, fax and/or email.

Generally speaking, you can be pre-approved for mortgage financing the same day you apply.

Finally, mortgage specialists are able to offer their clients a more relaxed qualifying process. If you don’t happen to meet all of your banks’ criteria, they will often turn you away, whereas a broker will continue to source your application to as many lenders as required to find you the financing you require based on your personal situation.

If you are looking for a change, and would like to experience the convenience and value of working with a dedicated mortgage professional, please ensure that they have their proper accreditation. As a mortgage planner working with Axiom Mortgage Solutions, I am governed by the Alberta Mortgage Brokers Association (AMBA), and the Real Estate Council of Alberta (RECA). As always, I welcome any questions or comments you may have regarding the information contained in my articles. Until next month…

Jason Eldridge P.F.P, B.Admin Mortgage Specialist, Axiom Mortgage Solutions (formerly Unisource Mortgage) Cell 403.630.1718 Fax 866.708.5807 Email jason@axiommortgage.ca Web/apply online jason.axiommortgage.ca aug 16 - sep 13, 2013 | New home Guide 47

homebuyers’help

HomeBuyers’ Resource Section You love the home, see what you can afford!

Compare mortgage rates for your best deal

Calculate your mortgage payments using the mortgage payment calculation chart

calculate youR mortGaGe Payments CALCULATE YOUR MORTGAGE PAYMENTS MONTHLY PRE-TAX Income

dIvIde By 3

cHart fIGure

amortIZatIon amount

SPOUSE’S PRE-TAX Income

affordaBle montHly Payments

amount of mortGaGe dIvIded By 1,000

estImated montHly TAXES & HEAT

TOTAL PRE-TAX Income

amount of mortGaGe (PRICE – DOWN PAYMENT)

amortIZatIon amount

montHly Payments

MORTGAGE PAYMENT CALCULATION CHART Interest rates %

aMoRtiZation peRiods 5 yrs

10 yrs

15 yrs

20 yrs

25 yrs

5.00%

18.84

10.58

7.88

6.57

5.81

5.25%

18.96

10.70

8.00

6.70

5.95

5.50%

19.07

10.82

8.13

6.84

6.10

5.75%

19.18

10.94

8.26

6.98

6.25

6.00%

19.29

11.06

8.39

7.12

6.39

6.25%

19.41

11.18

8.53

7.26

6.54

6.50%

19.52

11.31

8.66

7.40

6.69

6.75%

19.63

11.43

8.79

7.54

6.85

7.00%

19.75

11.55

8.93

7.69

7.00

7.25%

19.86

11.68

9.06

7.83

7.15

7.50%

19.98

11.81

9.20

7.98

7.31

7.75%

20.09

11.93

9.34

8.13

7.47

8.00%

20.21

12.06

9.48

8.28

7.63

8.25%

20.32

12.19

9.62

8.43

7.79

follow tHese stePs to see If you’ll QualIfy for a mortGaGe on youR dReaM HoMe

01

05

Calculate the combined monthly before-tax income of you and your spouse.

Multiply this figure by the amount you need to borrow. Divide by

1,000.

02

06

Divide by three. This figure is the monthly payment you can afford to make on your home.

Add to this your estimated monthly heating costs and monthly property taxes.

03

07

Take the total price of the home and subtract the amount of money you expect to make as a down payment.

This is the money you will have to borrow.

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice.

(Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less.

Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

homebuyers’help

Mortgage INterest rates VARIABLE

6 month

1 year

2 years

3 years

4 years

5 years

AGF Trust

-

4.650

3.040

3.200

3.240

3.340

3.490

ATB Financial

2.600

4.000

2.940

2.890

2.990

3.290

3.540

All mortgages are of two basic types:

Bank of Montreal

3.100

4.000

3.140

3.140

3.750

4.540

5.140

Bank of Nova Scotia

3.100

4.550

3.750

3.890

3.990

4.390

4.990

CIBC Mortgages

3.000

4.450

3.090

3.140

3.750

4.390

5.140

Conventional The buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.

The buyer has to pay 20% down.

A conventional mortgage cannot exceed 80% of the value of the property.

Canadian Western Bank

3.200

4.000

3.140

3.140

3.750

4.540

5.140

Canadian Western Trust

3.200

4.000

3.140

3.140

3.750

4.540

5.140

First Calgary Financial

-

4.000

2.890

2.890

2.950

3.090

3.440

First National Financial

2.600

3.950

2.990

2.890

3.090

3.240

3.490

HSBC Bank Canada

3.100

4.450

3.600

3.950

4.450

4.990

5.240

ING Direct

2.750

-

3.000

3.000

2.999

3.090

3.390

Investors Group Trust

3.000

4.200

3.140

3.140

3.750

4.540

5.140

Laurentian Bank Canada

3.200

4.400

3.140

3.190

3.750

4.540

5.140

London Life

3.000

4.200

3.140

3.140

3.750

4.540

5.140

Manulife Bank

3.000

4.450

3.000

3.250

3.300

3.350

3.390

Manulife Trust

-

4.450

3.000

3.250

3.300

3.350

3.390

National Bank

3.200

4.400

3.140

3.140

3.750

4.540

5.140

-

4.500

3.100

3.350

3.550

3.850

3.950

President’s Choice Fin’l

3.000

6.040

3.140

3.150

3.290

3.490

3.790

Royal Bank of Canada

3.000

4.000

3.140

3.140

3.750

4.540

5.140

Servus Credit Union

-

4.000

3.100

3.140

3.750

4.390

5.140

Steinbach Credit Union

-

-

2.500

2.600

2.700

2.800

3.000

3.000

4.000

3.090

3.140

3.650

4.540

5.140

-

-

3.400

3.500

3.600

3.650

3.340

Mortgage Types

Insured or High-Ratio: A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

Mortgage OPTIONS

Peace Hills Trust

T-D Mortgage Your Neighbourhood C.U.

Prepared by CANNEX on August 7, 2013. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2013 CANNEX Financial Exchanges Limited. All rights reserved.

You can choose any of these mortgage options which fit into the two basic mortgage types.

Lenders may even customize these options to suit your needs.

Open mortgage: Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty.

Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a shortterm mortgage at high interest rates to a longer term when mortgage interest rates fall.

Closed mortgage: Usually has the lowest interest rate available but lacks the flexible features of other mortgage options.

A good choice for those who want the security of knowing their monthly payment is fixed for a longer term.

Prepayment options are available but they are subject to conditions.

Portable mortgage: Flexibility if borrowers move.

Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

Get in before time runs out.

ONLY 18 LOTS REMAINING

BO

Quarry Park Blvd

W

OVER 90% SOLD

Prices subject to change without notice. E&OE.

Built for real life.

CARDELHOMES.COM

Call Shannon Lewis at 403.457.5828 Sales Centre Hours: Mon – Thurs: 2 pm – 8 pm Sat, Sun + Holidays: 12 pm – 5 pm Closed Fridays

ER

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$

CARDEL MANOR COLLECTION

RIV

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24 St SE

Glenmore Trail SE

18 St SE

Don’t miss your opportunity to call Quarry Park home.

Model Homes: 5 Quarry Park Way SE Deerfoot Trail

Large estate lots backing onto greenspace. A market, dining and the Bow River pathway just steps away. Easy access to schools and future rec centre. And only 16 minutes from downtown.

Deerf

oot Tra

il

IBJ-NHBG-CV-FP-7.8.13.pdf 1 7/8/2013 12:12:07 PM

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