Calgary New Home Guide - Jul 15, 2016 by NextHome

JULY 15 - AUG 12, 2016 VOLUME 19, ISSUE 8, FREE

CALGARY EDITION

SINCE 1956

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INSIDE THIS ISSUE

WHY A HOME INSPECTION IS SO IMPORTANT

CHBA – CALGARY HONOURS VOLUNTEERS, NAMES NEW BOARD

WHAT TO CONSIDER BEFORE BUYING INVESTMENT PROPERTY

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contents JULY 15 - AUG 12, 2016 | VOLUME 19 ISSUE 8

ON THE COVER

Stepper Homes Celebrates 60 years with special anniversary pricing + online NEIGHBOURHOOD

HOME SEARCH

property proﬁles MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

Stepper Homes

Celebrates 60 years with special anniversary pricing

Shane Homes

Collection of Urbana street towns at Airdrie’s Hillcrest

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

trending

Brookfield Residential

Presenting Livingston – Calgary’s new north

CHBA - Alberta

Supports move to protect Wood Buffalo residents

advice

The Homebuying Process

Association honours volunteers, new board by Donna Moore

22 Insight

New home landscaping by Brad Jackman

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ALBERTA SALES MANAGER

Shelley Balla EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sara Duck (on leave) Elisa Krovblit Lydia McNutt (on leave)

SENIOR MEDIA CONSULTANT

Melanie Gowans 403.200.8462 Follow me on twitter @melgowans Like us on Facebook ypnexthome

42 24 Calgaryism

Why is getting a home inspection so important?

PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNER

Mike Terentiev PRODUCTION MANAGER

Helen Pearce

district maps FOR ADVERTISING INQUIRIES PLEASE CONTACT:

Cochrane

Airdrie

Okotoks

Southeast

Northwest

What to consider before buying investment property

Northeast

Calgary’s New Home Guide is published 13 times per year. We are located at:

by Alyssa Furtado

Calgary North Region

The magazine is free to the public

by Cody Battershill

34 Quick Tips

Four organizing myths that keep you in disarray by Hellen Buttigieg

40 Mortgage Advice

44 CHBA - Alberta

Rebuilding after the Alberta wildfire

43 Southwest

by Jim Rivait

45 Calgary

48 Mortgage Mogul

Exploring the Purchase Plus Improvements program by Jason Eldridge

in every issue

Editor’s Note

What’s Online

42 Neighbourhood Profile

East Region

50 Calgary

South Region

403.200.8462 FOR NATIONAL ADVERTISING INQUIRIES CALL:

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COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Limited. 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. 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@ypnexthome.ca

Editors' Notes

MARDA LOOP

SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

MORE PHOTOS ONLINE ypnexthome.ca/marda-loop

Get it in writing The saying “get it in writing” has never been more important in the case of the new-home purchase, since such a document outlines everything your home will have in it, on it and around it. Otherwise known as the Agreement of Purchase and Sale, the contract spells out the terms and conditions between you and your builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon.

Before you sign a contract, review it carefully with the builder. Ask questions. Fully understand what it contains. Then take it to a real estate lawyer and have it reviewed. Once it is signed, it becomes a legal document and an agreed-upon contract, so seeking the services of an experienced real estate lawyer is an important step toward ensuring that your dream home becomes a reality. Let us know how it goes. We’d love to hear from you!

Housing policy under watch

Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

At time of writing, the Bank of Canada had yet to make its latest interest rate announcement and Monetary Policy Report. The expectation was that the BoC would again hold its overnight rate target at 0.5 per cent. With its Monetary Policy Report and other moves from the federal government, however, many experts expected action. Potential changes in mortgage regulations and housing policy seem inevitable, if not now then in the coming weeks, after federal Finance Minister Bill Morneau commissioned a

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WAYNE KARL Senior Editor

6 YPNEXTHOME.CA

joint federal, provincial and municipal working group to study the housing market, largely to address market stresses in Toronto and Vancouver. The challenge with any action to tackle skyrocketing prices and declining affordability in these cities will be to not negatively affect other markets where such characteristics do not exist. Markets such as Calgary, Edmonton and other parts of Canada are experiencing very different conditions than Toronto and Vancouver. Indeed, if anything, they need changes to help, not hinder homebuying activity.

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DEVELOPER: Tamani Communities BUILDERS: Innovations by Jayman, Sabal Homes, Jayman MasterBUILT, Trico Homes

04 RIVERSONG

DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi www.liveinsunsetridge.ca

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03 SUNSET RIDGE

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www.jumpingpoundridge.com BUILDERS: WestView Builders, Kingsmith Homes

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

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

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05 MONTERRA ON COCHRANE LAKE DEVELOPER: Medallion Development Corp. BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes

09 THE WILLOWS OF RIVER HEIGHTS

DEVELOPER: La Vita Land Inc. BUILDERS: Janssen Homes, Kingsmith Homes, NuVista Homes and Sterling Homes

06 WESTPOINTE ESTATES

DEVELOPER: MGM Developments. BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE

DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith, Landmark, ReidBuilt Homes www.firesidecochrane.com

08 HEARTLAND

DEVELOPER: Apex Developments BUILDERS: Excel Homes www.heartlandcochrane.com

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 9

RANGE RD 40

HORSE CREEK RD.

Property Profile | STEPPER HOMES

cover story

[ Stepper Homes ]

CELEBRATES 60 YEARS WITH SPECIALS AND COMMUNITY FROM HUMBLE BEGINNINGS in 1956

that saw founder Rudy Stepper dig the excavation for the first home by hand with the help from his thenpregnant wife Erna, who wheeled the dirt away, Stepper Homes has come a long way. Celebrating its 60th anniversary this year, Stepper Homes is proud of its legacy – being the longest standing family-owned and operated homebuilder in Calgary. 10 YPNEXTHOME.CA

“Obviously, being around for 60 years speaks to our longevity, but it also carries a certain level of confidence that we can convey to our customers that we’ve gone through ups and downs in the economy and we’re here for the long haul,” says president and general manager Dave Hooge. “Our 60th anniversary is a milestone for us and we’re proud of the fact that we still have a direct

connection with the Stepper family,” Hooge says, noting the family sits on the board of directors and several grandchildren – a third generation of Steppers – work in different departments. Since the initial purchase of 10 lots in 1956, Stepper Homes has grown significantly over the years to a point where has built more than 7,000 homes in more than 50 neighbourhoods in the city and region.

“We are partnering with some large non-profit organizations throughout the city by collecting donations and having our staff volunteer at certain places that rely on volunteers to operate” —Murray Danyluk

“Through the years, we’ve stepped out of the typical single-family home builder mode to build the original Centre Street Church, eight-plexes and small apartments,” says Murray Danyluk, manager, corporate brand and communications. “We’ve also built duplexes, townhomes, lane homes, move-up homes and semi-estates; we’ve really seen it and done it all.” Today, Stepper Homes is building in four communities: Heritage Hills in Cochrane with lane homes and a just launched first phase of a 51-unit townhome project that offers singlecar garages, full landscaping and no condo fees; Legacy in southeast Calgary with move-up homes and it has a limited number of quick possession lane homes with single front attached garages still available;

and Kinniburgh in Chestermere and Boulder Creek in Langdon with move-up and semi-estate homes with front attached garages on large lots. Stepper is also at the end of its building commitment in Mahogany in southeast Calgary and has a few quick possession front attached garage homes remaining. As a salute to its 60th year, Stepper gave special anniversary pricing to 60 homes in the four main communities where it’s building so buyers can find exceptional deals including: a 1,350-sq.-ft. lane home at $319,000 and townhomes ranging from 1,338 to 1,405 sq. ft. priced from $306,900 in Heritage Hills; a 1,900-sq.-ft. home at $439,900 and a 2,000-sq.-ft. home at $469,900 in Legacy; a 2,200-sq.-ft. home in Kinniburgh at $489,900; and

a 2,200-sq.-ft. home in Boulder Creek at $449,900. “We’ve had a really great response from buyers to the 60th anniversary homes,” Danyluk says, noting they’re 40 per cent sold. As a further salute to its anniversary, Stepper Homes is giving back to the community through some different initiatives to help those in need in Calgary. “We are partnering with some large non-profit organizations throughout the city by collecting donations and having our staff volunteer at certain places that rely on volunteers to operate,” Danyluk says. “All of the organizations our staff will be involved with are non-profit and it’s our way of giving assistance to those organizations that do so much to help others in our community.” For more information on Stepper Homes, the 60th anniversary specials, various home styles and available quick possession homes, visit stepperhomes.com JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 11

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Melanie Gowans 403.200.8462 melanie.gowans@ypnexthome.ca

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Advice | THE HOMEBUYING PROCESS

Association honours volunteers; announces new chairman and board By Donna Moore

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THE CANADIAN HOME Builders’

Association - Calgary Region and UDI – Calgary recently hosted a Special Members Meeting and Leadership Awards dinner. The association celebrated its members who have dedicated countless hours of their time. Volunteers are the backbone of any organization, and without their help, the association couldn’t do the valuable work that it does every day. The members are there wherever and whenever the association needs them, whether at city hall lending their expertise, organizing and planning special events, promoting the industry to the general public, or supporting the association’s many activities. The CHBA has recognized its volunteers since it began in 1946. They provide not only leadership, but also their business savvy, industry experience and creative talents. These volunteers represent all sectors of the industry, from developers and home builders to suppliers, trades and associated professionals. Among the longest-serving volunteers are: Klaus Springer, Retired, 42 years; Mike Borkristl, Tricor Design Group, 38 years; R.J. (Bob) Nobes, ReMax House of Real Estate, 34 years; Don Davies, FirstService Residential, 32 years; Jim Montgomery, Almor Testing Services Ltd., 31years; Glenn Davies, Dannburg Floor Coverings, 28 years; David Mow, Jayman BUILT, 28 years; Stan Lee, Mapeland Homes Ltd., 26 years; Rick Carnduff, Stantec

Consulting Ltd., 23 years; and David Litwiller, Litwiller Developments Ltd., 21 years. The association also presented its Leadership Awards: » Bill Beattie Memorial Award: Alan Norris. Awarded to the member companies or individuals who have contributed to the overall good of our industry through their contribution to the community at large. » Bob Ward Memorial Award: Monte Kendall. In recognition of Bob Ward, one of CHBA’s long-serving and most dedicated volunteers, this award is presented each year to a CHBA – Calgary Region volunteer who has provided services to the association of more than 20 years. » Ron Nolan Memorial Award: Richard Geleta. Created to recognize the outstanding achievement and dedication of individual members to the UDI - Calgary organization and the industry at a levels of involvement (local, provincial and national) for an extended period of time. » Spirit of UDI Award: Greg Bodnarchuck. The Spirit of the UDI Award recognizes the outstanding achievement and dedication of individual members to the UDI - Calgary organization and the industry. Their achievements have brought significant awareness

to UDI from outside parties or groups, have created significant cost savings for the industry and/or are recognized outside of UDI as a contributor to Calgarians and their quality of life. As well, the association introduced its new Board of Directors, in three representative areas: Builder/ Developer/Renovator – Paul Boskovich, Genstar, Ryan Boyd, Brookfield Properties, Collin Campbell, Mattamy Homes, Brett Friesen, Hopewell, Jill Huber, APEX; Allan Klassen, Brookfield Residential; Sean Nolan, Jayman BUILT; Carolina Oxtoby, Heritage Pointe Properties and Shane Wenzel, Shane Homes; Supplier/Manufacturer/Trade – Darryl Conroy, Borger Group of Companies, Wayne Copeland, Double R Building Products Ltd. and Ryan Erickson, Kidco Construction; and Service/Professional/Consultants – Fraser de Walle, The Alberta New Home Warranty Program, Jane Power, Urban Systems Ltd. and Mark Wynker, Stantec. The new members selected the chair for this next term – Allan Klassen, senior vice-president, Calgary Homes, Brookfield Residential. Donna Moore co-CEO, CHBA – UDI Calgary Region Association, 403.235.1911, crhba.com JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 13

›› AIRDRIECOMMUNITIES 3 VETERANS BLVD

05 RAVENSWOOD

DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

VETERANS BLVD

06 COOPER’S CROSSING

DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Vesta Properties, Canterra Custom Homes, Crystal Creek Homes and Harder Homes, Lifestyle Homes

1ST AVE

07 WILLIAMSTOWN 10

DEVELOPER: Vesta Properties BUILDERS: Vesta Properties

EAST LAKE

1 12

08 HILLCREST

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

NOSE CREEK

09 SOUTHWINDS

Developer: Mattamy Homes Builders: Mattamy Homes

YANKEE VALLEY BLVD

5 2 NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

01 BAYSIDE ESTATES

6 4

8 13

DEVELOPER: Genesis Land Development Corp. BUILDER: McKee Homes, ReidBuilt Homes www.genesisland.com

02 WINDSONG

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

10 CANALS LANDING

Developer: Genesis Land Development Corp. Builders: ReidBuilt Homes, Mckee Homes, Crystal Creek Homes, Genesis Builders Group, WestView Builders

11 PIER 11

Developer: Genesis Land Development Corp. Builders: Genesis Builder Group pier11airdrie.com

12 MIDTOWN 03 REUNION

DEVELOPER: Hopewell Residential BUILDERS: Sabal Homes, McKee Homes

04 KING’S HEIGHTS

DEVELOPER: Melcor BUILDER: Loreck Homes, McKee Homes, ReidBuilt Homes, Shane Homes, Homes by Avi, Innovations by Jayman www.kingheights.ca

Developer: Wenzel Developments & Apex Developments Builders: Creations by Shane Homes, Shane Homes, Nuovo by Shane Homes, Excel Homes, Trico Homes www.midtowninairdrie.com

13 THE GATES AT HILLCREST

Developer: Mattamy Homes Builders: Mattamy Homes Coming Soon

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 15

Property Profile | CREATIONS BY SHANE HOMES

Creations by Shane Homes introduces an exclusive collection of Urbana street towns in

Location

Hillcrest in Airdrie Builder

Creations by Shane Homes Home Type

Street towns Sales Centre

303 and 307 Hillcrest Dr. S.W., Airdrie Contact

Jeff 403.536.2310

16 YPNEXTHOME.CA

AN EXCLUSIVE collection of stylish, exceptionally appointed street towns is proving to be immensely popular with homebuyers in Hillcrest in southwest Airdrie. Creations by Shane Homes is crafting just 28 Urbana street towns in Hillcrest and they’ve been such a hit with buyers that this offering is already over 50 per cent sold, says area manager Jeff Brodowski. “We had our official opening of our two showhomes at the end of April and the response has been really great,” Brodowski says. “People love that these homes come with a maintenance-free front

yard, a fully-fenced and landscaped backyard, a patio and a rear detached double car garage. “Our interior standards are phenomenal,” he notes, which include granite countertops with under mount sinks, nine-ft. ceilings on the main floor, stainless steel appliances, distressed finish laminate and tile floors and blinds. “As well, customers have their choice from three different interior colour packages and each package has upgrades available so they can really make these homes their own,” he adds. “Additionally, many people are choosing to develop the basement

PHOTOS BY EYMERIC WIDLING PHOTOGRAPHY

Airdrie’s Hillcrest

PHOTOS BY EYMERIC WIDLING PHOTOGRAPHY

with a rec room, fourth bedroom and a full bathroom. “Buyers are excited that they can get all this with no monthly condo fees and at a great price starting in the $340,000s.” Among the most popular models in the Urbana street towns’ lineup in Hillcrest is the Tivoli, a 1,434-sq. ft. showhome. “People love the Tivoli because its design is so bright and open,” Brodowski says. “The Tivoli is an end unit so there are more windows making the living room nice and bright, and it has a large kitchen with a walk-in pantry and central dining nook that can accommodate large gatherings; it’s a great home for entertaining.” The Tivoli welcomes you home with a large front entry that has windows surrounding the door bringing in plenty of natural light. The spacious living room has numerous windows and a niche for

the TV, plus there is ample space at the far end of the room for an IT centre. “I have one buyer who plans to put her piano there,” Brodowski says. A central dining nook is open to the expansive kitchen that features a good sized island providing a great space for serving family and friends. The kitchen’s dark granite countertops are a nice contrast to the grey subway tile backsplash and white cabinetry that rises to the bulk head in the ceiling. Across from the kitchen is the walkin pantry and there is a mud room off the rear entry. A half-bath is tucked around the corner from the living room by the stairs for added privacy. Upstairs, the owners’ suite is large enough to accommodate king-sized furniture and it has a good-size walkin closet and an ensuite with a granitetopped vanity and an oversized walk-in shower. Two generously sized secondary bedrooms, a full bathroom and a convenient laundry that comes with the washer and dryer complete

the second floor. In addition to the Tivoli showhome, there is also the 1,360-sq.-ft. Turin showhome, and five other street town models available in Hillcrest – the 1,360-sq.-ft. Aldyn, the 1,506-sq.-ft. Deco, the 1,439-sq.-ft. Genoa, the 1,560-sq.-ft. Milan and the 1,509-sq.ft. Veros. “We have found our street town customers are young couples who attracted by the affordable price and the no condo fees, as well as, down-sizers who love the fact that they aren’t sacrificing the quality and features they’ve enjoyed in past homes,” Brodowski says. For more information on the Urbana street town homes in Hillcrest, visit the Presentation Centre and showhomes at 303 and 307 Hillcrest Dr. S.W., Airdrie, Monday to Thursday, 2 to 8 p.m., weekends and holidays, noon to 5 p.m., call 403.536.2310, or visit shanehomes.com JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 17

What’s Online

Trending now The latest real estate news from across Canada

Having Pride in the neighbourhood READ THE STORY ONLINE ypnexthome.ca/neighbourhood-pride

Canada’s most expensive real estate TAKE THE QUIZ ONLINE ypnexthome.ca/expensive-homes

High design on a budget READ THE STORY ONLINE ypnexthome.ca/design-budget

Affordability worsens in Vancouver and Toronto, says RBC

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549

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

OKOTOKS AIR RANCH

2A YSTAL SH OR ES RD.

BANN

ISTER CR GATE

ID GE D

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SANDSTONE DR. MOUNTAINVIEW GATE

338 AVE. E.

MILLIGAN DR.

OKOTOKS

549

CRYSTAL RIDGE GOLF CLUB

3 32 ST. E.

WEST

370 AVE. E.

02 CIMARRON

DEVELOPER: Tristar Communities BUILDERS: Trico Homes, Coco Homes, Timbercreek Homes, WestView Builders, Kunz Homes

03 DRAKE LANDING

CIM

RO N TR A I L

32 ST. E.

DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

CIMA O RR

WESTLAND ST.

01 OKOTOKS AIR RANCH & RANCHERS’ RISE

SOUTHRIDGE DR.

WESTLAND ST.

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CIMARRON BLV D.

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04 WESTMOUNT

DEVELOPER: Prominence Development Corp. BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes

08 MOUNTAINVIEW AT

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

DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Sterling Homes, Prominent Homes

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 21

Insight

New home landscaping By Brad Jackman IT IS IMPORTANT to understand that quality landscaping

requires substantial investments of time and money. Thus having a budget and planning around that budget will be crucial. Landscaping your new home will require breaking your project into categories and allocating your budget accordingly. The first category should be your home’s hardscape. Your hardscape will include major focal points of your yard such as decks, retaining walls, patios, walkways and task specific areas such as fire pits and BBQ stations. Your hardscape will determine your yard’s function, boundaries and overall flow. This is done first in the project and will have a large influence on what is left in your budget to finish the yard. This is by far the most expensive part of your project but it is what defines your home’s exterior. Your next category to consider is your landscape amenities. This will include irrigation, lighting and other 22 YPNEXTHOME.CA

nonessential options that make living in your home more comfortable and luxurious. Landscape amenities are typically installed mid project and can add great value and function. This category can get costly and because it is somewhat nonessential many people pass on investing into these options. Many homeowners describe these aspects of their yard as some of the most important additions they made. Landscape 360 has had good feedback about lighting and irrigation, and we feel it is important to consider if this fits into your new home landscaping budget. The last category to consider is your softscape. This includes trees, shrubs, perennials, garden beds and turf. These horticultural elements bring everything together, create life, colour, personality and create the overall vibe of your home. These options are essential and are done in the final stages of your project. There is a lot of variance in cost amongst your softscaping options. The cost of trees

and shrubs vary depending on size and number. Garden beds can include decorative rock, mulch or be finished with fresh garden mix or loam; therefore the budget can usually be accommodated. Turf is typically the most budget friendly part of your project and is usually a basic need for every new home. Addressing these categories separately will help you and your landscaper to work within the budget. A clear plan and open communication will provide the foundation for a successful landscape project. A consultation with a reputable landscaper is the best place to start when planning your outdoor project. Here, you can essentially interview your landscape contractor and become familiar with their ideas, company procedures and overall vibe. Hiring the right professional landscaper is the most important step of your project. It is beneficial to do your research. Ask to see their portfolio, view their website, talk with previous clients and look into some of the products yourself. Most importantly, ask lots of questions. Landscape construction can be done very differently. Hire a company which uses quality equipment, utilizes the best products available and installs everything professionally. It is important to hire someone who has extensive experience in the industry, and is a full service

landscape company. Once a professional is selected a conceptual landscape design can be established. This will allow the homeowner to help visualize their yard before construction begins. Professionally landscaping your property provides a sanctuary for your family, friends and pets. Landscaping improves your quality of life, increases the value of your home and adds a little personal flare to your home’s exterior. The key to enjoyment and the longevity of your yard is quality craftsmanship. A locally owned and operated Calgary based company, Landscape 360 specializes in residential, estate and acreage landscape construction. Our philosophy is based upon professionalism, quality, trust and respect. Brad Jackman and Brian Smith lead a team of friendly, knowledgeable and hardworking staff. Landscape 360 Professional Landscape Construction 403.452.0360, landscape360.ca Like us on facebook JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 23

Advice | CALGARYISM

Why is getting a home inspection as important as it gets? By Cody Battershill

ONE OF THE MOST important things

when buying or selling real estate is to ensure that you get a professional (and thorough) home inspection before making any decisions! Whether you are buying a resale listing or perhaps a new property directly from a builder, a home inspection will provide you with the confidence to move ahead and commit fully to a purchase while also uncovering any potential issues that may not have been noticed at an initial glance. And for sellers; if you are selling your property, a home inspection can make you aware of any issues that need to be fixed before listing that could potentially be a legal burden after the sale. Absolutely no one wants this kind of head ache! A proper inspection consists of an indepth visual examination of the entire home structure including: » mechanical systems » air-conditioning system » electrical system » heating system » interior plumbing systems » roofing and ceilings » walls and visible insulation » doors and windows » home foundation » basement and any other visible structures If you are attending the inspection and the inspector has missed one of these or you are unsure if they have covered it or not, make sure to ask! After an inspection is completed, the inspector will provide you with an analysis of any findings he or she has – both positive and negative – and point out any major concerns while 24 YPNEXTHOME.CA

also giving suggestions on how to go about fixing any problems (mostly for sellers or builder responsibility). Learn during the inspection Another benefit of getting a professional home inspection is that usually you (the buyer) have the opportunity to accompany the home inspector and learn a great deal about things such as initial and standard maintenance tasks as well as about the property’s core components and structure. The more knowledge you have about these types of things can help you maintain your home to the fullest while also boosting resale potential over the years until it’s time to sell. Once you buy a resale home there is very seldom a warranty and typically no recourse if you have missed a defect or maintenance item. Missing such a thing could end up costing you money, although I have seen exceptions mostly related to improper or no disclosure by the previous seller which then leaves the decision up to the buyer to take legal action. To spend $400 (give or take) to safeguard your decision and have

MORE ADVICE ONLINE nexthome.yp.ca/news/advice

peace of mind that your future home is sound is one of the best investments you can make. Same goes for sellers who want to make sure that buyers are made aware of all defects and issues with the home before selling. A lengthy and professional home inspection could save you untold thousands of dollars or at a minimum give you the full picture to make an educated decision. Happy house hunting, and remember – get a professional and thorough home inspection before making any decisions!

Cody Battershill is the founder of Calgaryism and a top producing realtor at ReMax House of Real Estate. Born and raised in Calgary, Cody has a passion for helping his clients accomplish their real estate goals and loves to show off the best Calgary has to offer! He can be reached at 403.370.4180, @Calgaryism on Twitter and calgaryism.ca

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2 Copperfield Developer: Hopewell Residential Communities Builders: Broadview Homes | Coco Homes Sabal Homes | Stepper Custom Homes

17 AVEN

3 Cranston Developer: Carma Builders: Albi Homes | Beattie Homes | Cardel Homes | Cedarglen Homes | Trico Homes

Cranston Estates Showhomes: Corner of Cranston Ave.& Cranarch Rd.

4 WALDEN Showhomes: Walden Rise SE Developer: Genstar Builders: Shane Homes | Cardel Homes | Innovations by Jayman | Excel Homes

MORE VOIR

HLAND DRIVE

DERSON ROAD

24 STREET

Builders: Albi Homes | Landmark Homes | Baywest Homes

Developer: Carma EEK PARK

Showhomes: Mahogany Heath SE. Developer: Hopewell Builders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

6 McKenzie Towne Developer: Carma

ELGIN VILLAGE Showhomes: Elgin Meadows Green SE. Elgin Estates Park SE. Builders: Cardel Homes | Homes by Avi | Albi Homes | Heartland Homes VILLAGE OF PRESTWICK Showhomes: Prestwick Blvd SE. Builders: Cedarglen Homes | Jayman MasterBUILT

7 New Brighton

TT VI

JAMES McKE

5 Mahogany

2 AVENUE

68 STR

14 STR

16 AVENUE

MEM OR

17 AVENUE

IVE DR

›› SOUTHEASTCOMMUNITIES IAL

17 AVENUE

A IL

GLENMORE TRAIL

HLAND DRIVE

8 DERSON ROAD

130 AV ENU E

W O

FISH CREEK PARK

AKE

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2 AVENUE

Mc KENZIE

SHAWNESSY BLVD.

RAIL

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SPRUCE MEADOWS HWAY

D OA

OF 5 QUIS NOTE: Map is just a graphic representation MARof areas of developments. See ad of a particular project for more details. SHERIFF KING STREET

JAMES McKE

TT VI

DEVELOPER: Hopewell Residential BUILDERS: Jayman MasterBUILT, Hopewell Residential, Stepper Custom Homes, Homes by Avi, Excel Homes ESTATE BUILDERS: Calbridge Homes, Morrison Homes, Homes by Avi www.mahoganyliving.com

CL D. VO R BLV

EEK PARK

FOO T TR

05 MAHOGANY

TOM TR BOT

24 STREET

DEE R

CRANSTON AVE. SE

04 WALDEN

DEVELOPER: Genstar BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban, Cedarglen Homes www.waldenliving.ca

52 STREET

BARLOW TRAIL

MORE VOIR

DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Morrison Homes, Landmark Homes, Baywest Homes, Brookfield Residential RIVERSTONE OF CRANSTON BUILDERS: Albi Homes, Cedarglen Homes, Landmark Homes, Baywest Homes, Calbridge Homes, Brookfield Residential www.livecranston.ca

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

03 CRANSTON

06 McKENZIE TOWNE

DEVELOPER: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential www.livemckenzietowne.com

07 NEW BRIGHTON

DEVELOPER: Brookfield Residential BUILDERS: Cedarglen Homes, Morrison Homes www.livenewbrighton.ca

08 QUARRY PARK SETON BLVD SE

DEVELOPER: Remington Corporation BUILDERS: Cardel Homes, Birchwood Properties, Albi Homes

09 LEGACY 9

01 AUBURN BAY

DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Sterling Homes, Creations by Shane Homes, Innovations by Jayman, Calbridge Homes, Morrison Homes www.legacylife.com

DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Innovations by Jayman www.liveauburnbay.ca

02 COPPERFIELD

DEVELOPER: Hopewell Residential BUILDERS: Hopewell Residential, Stepper Custom Homes

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 27

Alberta’s Nation-Topping Population Growth: A Bright Spot Amongst Recent Benchmarks With less than half of 2016 left, provincial economic outcomes to date have generally reinforced most initial expectations that saw Alberta’s economy contracting this year for a second year in a row. That said, most recent trusted forecasts – like those released by the Conference Board of Canada in June 2016 – have pegged provincial real GDP growth for 2016 at -2%. While this would represent a stronger performance than Alberta’s -4% contraction in 2015, it also indicates that Alberta would be the only major province facing contraction in 2016. Nationally, Canada’s real GDP is expected to grow by 1.5% in 2016, partially because of strong national housing sales and housing price growth (in May 2016 national existing home sale prices were up 12.5% on a year-over-year basis according to the Canadian Real Estate Association). By contrast, similar Albertan housing market performance measures have also aligned with the notion that the province’s economy will likely fair the poorest this year. However, with these losses counted, there have still been some strong wins in terms of Alberta’s housing market’s

2015 Population Composition by Age Cohort (Alberta vs. Canada)

leading indicators. Specifically, Alberta’s population grew faster than any other province in the first quarter of 2016, totaling 4% during that quarter. While this might seem like a head-scratching phenomenon giving all of the above, Intelligence House has noted two reasonable trends that are currently encouraging this growth: 1) Young Family Formation: There were 14,240 babies born in the province, 15% of the total babies born in Canada over that period (for reference, Alberta has roughly 11% of Canada’s overall population). This trend is undoubtedly concurring with the fact that Alberta’s standing adult population is compositionally much younger than the nation as a whole (see the left chart below). 2) Immigration: Canada saw its largest influx ever of international immigrants in the first quarter of 2016 (86,216), a large number of whom were Syrian refugees. Alberta’s share of that total was 12,050 or nearly 14% (see the right chart below).

Alberta Net Migration 30000 22500

80+ 70 to 79 60 to 69 50 to 59

15000

20 to 29

-7500

10 to 19 0 to 9 0%

14%

18%

CAN

Q1 2016

Q1 2011 Q2 2011 Q3 2011 Q4 2011 Q1 2012 Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013 Q3 2013 Q4 2013 Q1 2014 Q2 2014 Q3 2014 Q4 2014 Q1 2015 Q2 2015 Q3 2015 Q4 2015

7500

40 to 49 30 to 39

Net International Immigration (persons) Net Interprovincial In-Migration (persons)

Intelligence House is Alberta’s newest and most innovative Real Estate Marketing Agency with a focus on strategic market intelligence, which includes full research, marketing and sales / leasing services for the real estate industry. Our Calgary office is now open!

intelligencehouse.ca From left to right: Emmett Hartfield Alex Ruffini Michael Melnychuk

Ask An Expert

Q&A

By Heather Ryan

Ways to keep your home safe while on vacation Q: What can we do to safeguard our home while we’re on summer vacation? A: “One of the most important obvious things, and one that may be forgotten when you’re rushing to leave on your vacation, is to make sure you have locked all your doors, of course, and windows,” says Daryl Grieves, safety officer with Shane Homes. “I also suggest homeowners put blocks in their slider windows so they can’t be easily opened, set the security alarm if you have one and shut off the power to your garage door opener to safeguard against someone getting in. “For added safety you could hire a house sitter or enlist the help of a relative or friend to house sit,” he says. “If you don’t have a house sitter, have someone check on the home every two or three days to ensure everything is fine while you’re away.”

Grieves also recommends putting a vacation stop on your newspaper, and have someone pick up the flyers and mail (if you still have home delivery) and possibly mow the lawn. “You can even have a friend or neighbour park their car in your driveway at different times so it appears someone is home.” Inside the home, put your lights on a timer and change the timing so they turn on and off at different intervals and stick to routines, he says.ANForEXPERT: example, you typically leave your front window blind halfASK by ifHEATHER RYAN closed leave it that way, but make sure any valuables are out of sight. “You should also shut off the water inside your home to prevent any leaks,” Grieves says, as well as to outside taps to prevent any mischief. As well, turn your hot water tank down and unplug small appliances, such as the toaster and coffee maker to prevent any electrical problems that may arise, such as a short in the system. “Outside you should trim bushes away from the house so there is no place for someone to hide and put away garden tools and ladders that could be used by a potential thief.” Finally, don’t advertise that you’re on vacation through social medial accounts, e-mails, or answering machine messages Grieves says. If you have a home related question, please contact Shane Homes at info@shanehomes.com.

Q&A

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 29

north

5 Sherwood Showhomes: 1228 Sherwood Blvd.

Developer: Genesis Development Corp Builders: Majestic Homes

6 Beacon Heights Showhomes: Sherwood Crescent NW

Developer: Intergulf Cidex Builders: Trico Homes/Intergulf Cidex

7 Tuscany Hillside Estates

Showhomes: Tuscany Estates Rise NW Developer: Carma Builders: Landmark Homes | Albi Hom

8 Kincora

Showhomes: 115 Kinkora Glen Rd. NW

Developer: Genesis Land Development Apex Developments Builders: Evolution Homes | Majestic H Excel Homes | Centrex Home

rthwest

›› NORTHWESTCOMMUNITIES

06 EVANSVIEW

EST HILLS BE

DT RA IL

LA UR

NOSE HILL PARK

BL VD .

14 STREET

14 16 AVENUE

ROAD

BOW TRAIL

17 AVENUE

37 STREET

69 STREET

04 NOLAN HILL SARCEE TRAIL

Showhomes: 2003 20th Ave. 02 EVANSTON

DEVELOPER: United Communities BUILDERS: Homes by Avi, MilanoShane Homes, 11 Homes, Morrison Showhomes: Panatella Hill NW Sterling Homes, Trico99Homes, Builders: Trico Homes Jager Homes, Pacesetter Homes, Creations by Shane Homes www.nolanhillunited.com

Developer: Birchwood Properties DEVELOPER: Qualico Communities Builders: Birchwood Properties BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Ranch 10 Hanson 05 BEACON HEIGHTS Sterling Homes, Jayman kora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW DEVELOPER: Intergulf Cidex MasterBUILT Developer: Cedarglen Homes | Cardel Homes and Development Corp. | BUILDER: Trico Homes, Intergulf elopments Builders: Genstar 03 SAGE HILL Cidex Homes | Majestic Homes | DEVELOPER: United Communities es | Centrex Homes BUILDERS: Pacesetter Homes

Homes | Albi Homes

09 BEARSPAW WILLOW CREEK

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

10 WATERMARK AT BEARSPAW

#1 Community in Canada* DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

11 EVANSRIDGE

DEVELOPER: Dream Development BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Morrison Homes, Innovations by Jayman, WestView Builders, Stepper Custom Homes, Calbridge Homes

12 ROCK LAKE ESTATES

85 STREET

DEVELOPER: Birchwood Properties BUILDERS: Birchwood Properties

9 CityLife

64 AV

CENTRE STREET

AVE NU E

COACH

GT ON

SA RC EE

CH IL

08 VALLEY POINTE ESTATES

DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

SH AG ANNAPI

TR AIL

DR IV E

I LL

RAIL YT

N OS EH

CR OW

01 ROYAL OAK

y Estates Rise NW

HILLS BLVD. TRY UN

NOTE: Map is just a graphic representation of areas of developments. 17 AVENUE See ad of a particular project for more details.

de Estates

07 SAGE MEADOWS

DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group www.genesisland.com

RV HA

TRAIL EE SAR C

S TONE STO NE

Y TRAI L

BANFF

AIL

od Crescent NW

Cidex es/Intergulf Cidex

PANORAMA ROAD

ROCKY RIDGE ROAD

WOODLAND ROAD

BEARSPAW ROAD

12 COULEE MILE ROAD

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

OL D

herwood Blvd.

NEY TRAIL TO

Development Corp. omes

ROCKY B

LV R ID GE D

COUNTRY HILL S BLVD.

SYMONS VALL

128 AVE.

AIL TR

15 11 7

PI AP

AN AG SH

HW Y

DEVELOPER: Genstar BUILDERS: Arcuri Homes

144 AVE. NW

DEVELOPER: Decker Management BUILDERS: Crystal Creek Homes, Lupi Luxury Homes, Jager Homes

13 SHERWOOD

DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group www.lifeinsherwood.com

14 MOUNT PLEASANT

BUILDER: Landmark Homes www.landmarkgroup.ca

15 SYMONS GATE

DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Jayman MasterBuilt, Morrison Homes

*2012 and 2013 National SAM award winner for Best Community Development JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 31

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Advice | QUICK TIPS

Four organizing myths that keep your life in disarray By Hellen Buttigieg

MORE ADVICE ONLINE nexthome.yp.ca/news/advice

IT’S TIME TO DISPEL some organizing myths that may be keeping you stuck in your mess:

1 | Multi-tasking is always productive. False. Although useful in some situations, multi-tasking can cause you to lose your focus and make costly and time-consuming mistakes. When working on important tasks, multi-tasking is probably not a good idea. Some things require your undivided attention. Multi-tasking distracts us from being in the present moment, which can drain our energy and leave us feeling exhausted and unfulfilled. Next time you are participating in an activity, be with that activity rather than thinking about all the things you should be doing instead, or have to do later. Resist the habit of trying to do two things at once. 2 | Being messy automatically means you are disorganized. False. Organizing is not about how it looks, it’s about how it works. Visual, creative types need to have things out where they can see them because out-of-sight is out-of-mind for them. This may cause their spaces to appear disorganized to others, but they probably know exactly where everything is. On the flip side, visual types lose focus when there is too much to look at, so they need products that allow them to contain their belongings to minimize the visual clutter. For example, a literature 34 YPNEXTHOME.CA

sorter allows them to contain their papers while still keeping them within view. 3 | You have to toss everything to get organized. False. I often hear people say to me, “There’s no way I could get organized because I am too sentimental. I don’t want to get rid of everything.” Although you shouldn’t keep things you don’t like or will never use, there’s always a way to either display or store the things that matter. For example, shadow boxes or display cases allow you to protect as well as showcase the possessions that truly mean something to you.

4 | If you write it on a to-do list, it will get done. False. I had a client who was so proud of her to-do list. It was prioritized, colour coded and categorized, yet she was frustrated and overwhelmed at how many things on the list were not getting done. To get anything done, you have to actually schedule time to do the things on your list. Simply putting a task on a list is not a commitment. Blocking time on your calendar to do it is.

Hellen Buttigieg is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, weorganizeu.com, or email Hellen at info@weorganizeu.com

PANORAMA ROAD

STONEY TRAIL

4 52 STREET

HARVEST HILLS

METIS TRAIL

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES 3

COUNTRY HILLS BLVD.

I TR

AIL

68 STREET

80 AVENUE

NAP

MCKNIGHT BLVD.

32 AVENUE

14 STREET

64 AVENUE

68 STREET

CENTRE STREET

64 AVE.

FALCON RIDGE

SHA GAN N

36 STREET

CALGARY INTERNATIONAL AIRPORT NOSE HILL PARK

TR A DD

DE ER F

OO T

COUNTRY HILLS BLVD.

16 AVENUE

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

01 SADDLESTONE

05 CITYSCAPE

DEVELOPER: Genesis Land Development Corp. BUILDERS: Genesis Builders Group www.saddlestonecalgary.com

02 SADDLEBROOK

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

06 SAVANNA IN SADDLE RIDGE

DEVELOPER: Genstar Development Co. BUILDERS: Cardel Homes, Homes by Avi, Excel Homes, Arcuri Homes

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

03 CORNERSTONE

DEVELOPER: Walton Development Coming soon www.liveatcornerstone.ca

04 REDSTONE

DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter MATCALGARY_Banner – New Home Guide Homes, Innovations by Jayman, Trico Homes, Creations by MATCALGARY_AllSites FC Name: Shane Homes, File Shane Homes (Shane showhome toBCbeBanner_NHG_Mag built in spring) Trim: 6.75” x 1.5” Safety/V.O.: .25” Bleed: NA

mattamyhomes.com

Colours: CMYK

Due: 4/08/2015 Publication: New Home Guide DPI: 300 Built: 4/08/2015 - SS

FIND NEW FRONT-DRIVE DESIGNS AT CITYSCAPE & SOUTHWINDS (SEE BACK COVER)

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 37

Trending

Presenting Livingston – Calgary’s new north Future home for 30,000 residents BROOKFIELD RESIDENTIAL, a leading Calgary residential developer, introduces Livingston, its first north master-planned community in more than 20 years. To commemorate the event, hundreds of hard working Calgarians, from heavy equipment operators to architects and planners will come together for a special group photo that celebrates confidence in Calgary’s future, and the cultural and diversity of the community. Livingston will be Calgary’s first community to include both sides of Centre Street, East and West. When fully developed, Livingston will be home to 30,000 Calgarians and become one of the most significant residential, employment and commercial hubs in the city. Livingston is one of the first communities approved under Calgary’s new Municipal Development Plan and features

38 YPNEXTHOME.CA

a main street and mixed use centre that’s as long as downtown Calgary. From conception and design to how we build and welcome new residents, Livingston will be more sustainable, more urban and more connected than any other Brookfield community. Growing with Calgary. From North Pointe Station in Livingston to Seton Station in the south, Brookfield Residential communities bookend the LRT Green Line. For more info visit www.livingston-keystone.ca

MORE TRENDING ONLINE ypnexthome.ca/news

Trending

CHBA - Alberta supports move to protect Wood Buffalo residents THE CANADIAN HOME Builders’ Association - Alberta supports new measures recently announced to protect Wood Buffalo residents from unqualified or unscrupulous contractors. In May, more than 1,900 residential units were destroyed by devastating wildfires in the Wood Buffalo region. As residents return home and look for companies to help them rebuild their homes, the province is providing extra support for homeowners. On June 29, Municipal Affairs Minister Danielle Larivee announced amendments to the New Home Buyer Protection Act and the Safety Codes Act. Builders will be required to complete a builder declaration through the New Home Buyer

Registry before applying for a building permit in Wood Buffalo. The changes also allow information to be collected from the builder, including residential construction history, corporate and financial history and outstanding fines or orders. CHBA - Alberta CEO Jim Rivait made the following statement at Minister Larivee’s news conference: “Good builders will be able to comply and we believe that will raise confidence levels when choosing a contractor. This is especially important when opportunists are likely to make unrealistic claims about how quickly they can build a home in Fort McMurray. Rebuilding the community will be a long process that will need patience and coordination.

It will also require skilled professionals who stand behind the homes they build instead of skipping town if problems come up. There is no shortcut to success and we are pleased to see the government step up with increased consumer protection measures at this critical time for people and the community.” Minister Larivee says information sessions will be held this summer to educate homeowners and builders about their rights and responsibilities. The Association has called for a coordinated response to the devastating Fort McMurray wildfire. The province says these changes in the Fort McMurray area are a first step towards developing a longer-term provincial builder-licensing program.

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2016-06-27 9:10 AM JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 39

F I L E

N A M E S

A R E

F O R

I N T E R N A L

U S E

O N LY

Advice | MORTGAGE ADVICE

What to consider before buying an investment property By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

AN INCOME PROPERTY can be a good

way to make money, especially in retirement. However, there are some things you need to think about before taking the plunge. Here are the advantages and disadvantages of buying an investment property: Advantages You can use leverage: If you have equity in your home, you can use it to help finance the purchase of another property. In a low-interest rate environment, mortgage rates are lower as are the costs of buying an income property. You’ll build up more equity when you earn rental income to pay down the mortgage. In the future, you could use that additional equity to buy another property – or properties – but you should ensure you can make larger mortgage payments when rates increase. You can earn additional income regularly: As long as you have a tenant, you’ll earn monthly income on a regular basis. The more investment properties you have, the more you could potentially earn. You don’t often get regular income from other types of investments. You get tax deductions: While you’ll earn rental income, you’ll also be able to deduct any expenses. Advertising, insurance, maintenance and repairs, property taxes, and legal fees are just a few of the expenses that are deductible. It’s best to consult with 40 YPNEXTHOME.CA

your accountant to find out what costs you can deduct. Disadvantages You may need additional financing: If you want to buy a multi-unit property and intend to live in it, you’ll need a down payment of between five and 10 per cent, depending on the total number of units in the property. But when you purchase a property you don’t plan to live in, you need a down payment of at least 20 per cent. Also, some lenders won’t recognize 100 per cent of the potential rental income you might expect to earn; some may consider just 50 per cent, while other lenders might consider 80 per cent. In other words, you could be forced to make a bigger down payment to qualify for a mortgage. You may not always have a tenant: Ideally, you’ll earn enough rental income to cover your annual costs. However, you’ll still need to make mortgage payments without a tenant. You should be prepared for the worst and have an emergency fund for the times you don’t have someone to rent your place.

Your property isn’t a liquid investment: If you own stocks or bonds, you can buy and sell them quite quickly. However, it can take a long time between listing your property for sale and the closing date. This might be a problem if you need the money right away. You have additional responsibilities: Being a landlord can be a difficult job. You’re responsible for any maintenance and repairs that need to be done. But there are also some headaches you have to deal with, like a tenant that damages your property or misses a rent payment. The alternative is to hire a property manager. He or she can take care of those problems but at a cost to you. While an investment property will provide you with additional income, it’s good to be aware of the pros and cons before you ultimately decide to make a purchase.

Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

›› CALGARY

NORTHREGION

575 CROSSFIELD

HUSTLE & BUSTLE

567 AIRDRIE

01 VISTA CROSSING IN CROSSFIELD DEVELOPER: Dream Development BUILDERS: McKee Homes, Reidbuilt Homes

Journey Back. Live Forward. Character homes from the $350’s. Welcome to Vista Crossing, where life is simplified in a most sophisticated way. Just a 35 minute drive to Calgary, this is a place where you can unplug and reconnect with what really matters. Beneath the stars, on the main street where the coffee shop owner knows how you take yours. Your exceptional home awaits in this masterfully planned community.

Early preview beginning June 4. 10-22 Amery Crescent | Crossfield, Alberta

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JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 41

Neighbourhood Profile

Marda Loop Vibrant, bustling and well loved By Kait Kucy

to spend time outdoors and visiting local shops and businesses, and take a particular liking to the outdoor pool and beach volleyball courts in summer. In the area Marda Loop is definitely above average regarding the rental and real estate markets. Despite the area being filled with higher end restaurants, there is still very affordable options for residents to eat out and entertain themselves. Since this is an area going through a bigger transition, the financial picture is also going through a big transition.

MORE PHOTOS ONLINE ypnexthome.ca/marda-loop

LOCATED IN THE SW quadrant of

Calgary, Marda Loop is a vibrant and bustling part of the city. With a thriving restaurant and retail scene there are some serious foodies and shoppers that frequent the area. This neighbourhood is beautiful with local parks and gardens. Residents also really take care of their properties and you can witness this as you tour the community. Lifestyle Marda Loop’s bustling lifestyle is definitely a great place for anyone looking for a community full of the finer things in life. With plenty of great spots to eat and watering holes aplenty, foodies definitely flock to this neighbourhood. The South Calgary Community Association is overflowing with fun activities

for everyone including an outdoor pool, beach volleyball courts and a community garden. Vibe Marda Loop is a hip, young and trendy neighbourhood that is sought out by people from all over Calgary. Despite it being a bustling neighbourhood, Marda Loop definitely settles down in the evenings and is quite a calm and quiet area. If you love a party atmosphere just wait for Marda Gras in the summer – the neighbourhood is transformed into a giant street festival party. Meet the neighbours Filled with young families, established homeowners and students of Mount Royal University, Marda Loop is an active community. Residents love

Planes, trains & automobiles Marda Loop is primarily a car area due to it being a bit further out from the Core. While there is reliable city buses frequenting the neighbourhood, the easiest way to get around is by vehicle. Marda Loop is located near to Crowchild Trail as well as 14th Street SW, making the access to the rest of the city. This is also a very walkable neighbourhood and is filled with local residents sharing the streets and parks. Real estate Marda Loop is a beautiful older neighbourhood filled with both heritage homes and new infills. This is a great neighbourhood for families as there is an incredible amount of recreational activities and parks. The downside is that the area is getting increasingly expensive, it has pushed out some families who cannot afford to live in this neighbourhood anymore.

Kait Kucy is a lifestyle and travel writer and blogger for online and print publications in Canada and the U.S.

42 YPNEXTHOME.CA

4 BAN

COACH ROAD

01 MYSTIC RIDGE

DEVELOPER: La Vita Land BUILDERS: Calbridge Homes www.mysticcalbridge.com

16 AVENUE

02 CURRIE BARRACKS

7 BOW TRAIL

ORI

11 10

2 ELBOW DRIVE

DEVELOPER: Legend Developments

04 CRESTMONT

DEVELOPER: Qualico Communities BUILDERS: Augusta Fine Homes, NuVista Homes

BLACK FOOT TRAIL

BUILDERS: Crystal Creek Homes, Empire Custom Homes, Avi Urban, Calbridge Homes, Core Properties, Jayman Modus, Slokker Canada West

03 SPRING VALLEY

17 AVENUE

37 STREET

17 AVENUE

SARCEE TRAIL

14 AVENUE SW

MEM

69 STREET

06 DRESSAGE IN SILVERADO

DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

07 WESTLAND ESTATES

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

SOUTHLAND DRIVE

08 WEST GROVE ESTATES

DEVELOPER: Truman BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes, Augusta Fine Homes, West Grove Estates, Shane Homes, Truman Homes

ANDERSON ROAD

BOTTOM TR

FISH CREEK PARK

JAMES

DEVELOPER: Cardel Homes BUILDERS: Cardel Homes www.cardelhomes.com DEVELOPER: Truman BUILDERS: Sane Homes and Truman Homes

SHAWNESSY BLVD.

11 ASPEN WOODS ESTATES

DEVELOPER: Springbank Land Company Ltd. BUILDERS: WestView Builders, Truman Homes, Crystal Creek Homes, and Homes by Us.

TRA

SHERIFF KING STREET

CLE

37 STRE

162 AVENUE

09 SHAWNEE PARK

10 WEST GROVE POINT

MCKEVITT

FISH CREEK BLVD

S PRUCE MEADOWS HWAY

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

MACLEOAD TRAIL

GLENMORE RESERVOIR

24 STREET

85 STREET

OLD

14 STREET

CENTRE STR

›› SOUTHWESTCOMMUNITIES

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 43

Advice | CHBA ALBERTA

Rebuilding after the wildfire 1A

By Jim Rivait

COCHRANE

MORE ADVICE ONLINE

ypnexthome.ca/news/advice

THE FORT MCMURRAY WILDFIRE

has raised key questions about how to help the community rebuild the homes that were damaged or destroyed. This column was written shortly before the re-entry was to begin, but we already know that it will be a challenge to ramp up construction from the very low levels before the fire to meet a sudden rush of demand. Like all Albertans, our Association has looked for ways to help. CHBA - Alberta has been meeting with government and industry representatives to offer our expertise on how to co-ordinate a response. Our CHBA locals in Edmonton and across the province have also raised hundreds of thousands of dollars to help support evacuees forced from their homes. Looking ahead, we anticipate that a number of people returning to Fort McMurray will be very suddenly plunged into the process of making decisions about a new home. New-home buyers typically spend a lot of time doing research – educating themselves about builders, prices and features. They also spend a lot of family time discussing what they want and need in a new home – both today and in the future. While the people returning to Fort McMurray will face different timelines and circumstances than most new home buyers, they still have access to the same tools to help guide them through the process step by step. Under the Buying a New Home 44 YPNEXTHOME.CA

22X PRIDDIS section of our website, consumers will find information to walk them through the process, understand contracts and what to expect during various stages of construction. There are a lot of things to take into consideration and these checklists will help ensure that none of them are missed. CHBA also developed the Get It In Writing materials for consumers planning a major renovation that would be useful for Fort McMurray residents who face major repair work before they can return to their homes. These resources are recommended reading for all consumers who want to buy or renovate a home. They would be especially valuable to Fort McMurray residents who may be targeted by the unskilled and unscrupulous so-called builders who always seem to descend on disaster zones. We’re already hearing about some who claim they can get people into new homes faster and cheaper than companies with years of experience building in Alberta. Unrealistic promises should always set off alarm bells, and this is even more the case than in the difficult and uncertain environment of a disaster area. One important safeguard against

incompetence or fraud is Alberta’s mandatory new home warranty program. Good builders – including all CHBA members – recognize that TURNER VALLEY warranty coverage on a family’s most expensive purchase is essential. In 2014, the Alberta government made it a requirement for all builders to provide a warranty for all new homes and major renovations. This will help screen out companies that do not have a track record in Fort McMurray or anywhere in Alberta. We all want the best for the people of Fort McMurray after this traumatic experience. As an association, we hope to help make it possible for people to rebuild their homes and lives with the least possible stress. The Canadian Home Builders’ Association - Alberta represents more than 1,600 business members including new home builders, renovators, developers, trade and supply companies and professional services. Jim Rivait is Chief Executive Officer of CHBA – Alberta. Starting his career working in government, Jim spent the last decade working in the private sector specializing in government relations, advocacy, strategic communications, policy development/analysis and association management.

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

STRATHMORE 1

CALGARY

CHESTERMERE 797 LANGDON

22X

DDIS

VALLEY

HERITAGE POINTE

BLACK DIAMOND

OKOTOKS

CHESTERMERE 543 RAINBOW FALLS 22 DEVELOPER: Truman Developments HIGH RIVER BUILDER: Jager Homes, Lionsworthe Homes, Douglas Homes, ReidBuilt Homes

WESTMERE

DEVELOPER: Melcor BUILDERS: Lifestyle Homes, ReidBuilt Homes

SHORES ON WESTMERE

DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

KINNIBURGH

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

2A 04 BUFFALO HILLS (coming soon)

BUILDERS: Prominent Homes Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

LAKEPOINTE

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

LANGDON BOULDER CREEK ESTATES

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

HANSON PARK

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

STRATHMORE THE RANCH IN STRATHMORE DEVELOPER: United BUILDERS: Jager Homes and WestView Builders

WILDFLOWER RANCH IN STRATHMORE

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

EDGEFIELD IN STRATHMORE

DEVELOPER: Pollyco BUILDERS: ReidBuilt Homes, Ovation Homes, WestView Builders, Aquilla Homes www.edgefieldstrathmore.com

LYALTA 03 THE LAKES OF MUIRFIELD

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

SEARCH ONLINE ypnexthome.ca

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 45

next date.

next boyfriend.

next proposal.

next honeymoon.

next triplets.

When one thing, leads to another home.

Discover all your possibilities at

Advice | MORTGAGE MOGUL

Purchase Plus Improvements By Jason Eldridge WHETHER YOU HAVE your eye on a

fixer-upper, or are thinking about building your dream home, financing your endeavor may be easier than you think. “Renovation mortgages” allow homeowners to renovate a newlypurchased or existing home, or build a new one, and roll the cost of the improvements into the balance of the mortgage. This allows homebuyers to benefit from the low interest rate associated with a mortgage, and the simplicity of one mortgage payment, while putting down less than 20 per cent of the home’s “as improved” value. To acquire this type of mortgage, the first thing you must do is make the offer conditional on a renovation mortgage program such as CMHC’s Purchase Plus Improvements program. The next step is to acquire a quote from a contractor, to determine the cost of the renovations. CMHC will approve a loan of up to 95 per cent of the “as improved” value of the home – or the value of the newly constructed home – provided the money you’re putting into the home does, in fact, improve the value. This may have to be obtaining an appraisal. While newly constructed homes may receive up to four monetary advances before the home is completed, with refinanced or newlypurchased homes, CMHC advances only up to 95 per cent of the original value. You must be prepared, then, to finance the renovations and improvements up front, keep all your receipts, and await reimbursement after the renovations are complete and the lender has time to evaluate the as-improved value. If you’re thinking about performing renovations on a new home but you’ve put down more than a 20 per cent down payment, consider taking advantage of a Home Equity Line of Credit (HELOC) 48 YPNEXTHOME.CA

MORE ADVICE ONLINE ypnexthome.ca/news/advice

– a low-interest line of credit that is secured against your home. This will give you the flexibility of interestonly payments, as well as allow you to re-advance the funds whenever you have paid down the balance. 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

Buyers’ Resources | MORTGAGE RATES

Compare mortgage rates for your best deal CHARTERED BANKS

variable

6 months

1 year

2 years

3 years

4 years

5 years

ATB Financial

2.6000

4.0000

2.9400

2.2900

2.4400

2.4900

2.5900

Alterna Bank

2.3500

4.0000

2.8500

2.0900

2.5900

2.7400

2.5800

Alterna Savings

2.3500

4.0000

2.8500

2.0900

2.5900

2.7400

2.5800

Bank of Montreal

2.7000

4.0000

2.8900

2.9900

3.3900

3.8900

4.7400

Bank of Nova Scotia

2.7000

4.5500

3.2900

3.0900

3.3900

3.8900

4.4900

CIBC Mortgages

2.7000

3.1400

2.8400

2.7900

3.3900

4.0900

4.7900

Caisses Desjardins

2.7000

4.4000

3.1400

3.2400

3.3900

3.8900

4.7400

Canadian Western Bank

2.9000

4.0000

3.1400

3.0400

3.6500

4.2000

4.7400

Canadian Western Trust

2.9000

4.0000

3.1400

3.0400

3.6500

4.2000

4.7400

Comtech Credit Union

6.2000

2.8400

2.8900

2.9500

2.9900

2.8900

DUCA Financial Services

2.5000

3.0900

3.0000

2.9900

3.0900

2.5400

Effort Trust

4.4500

3.3500

3.5000

3.7000

4.3000

4.3500

Equitable Bank

3.1400

3.0400

3.6500

4.3900

4.6400

First Calgary Financial

4.0000

2.8900

2.5900

2.7900

2.6900

First National Financial

2.3500

3.0000

2.2900

2.2400

2.3900

2.4900

2.5900

FirstOntario Credit Un.

2.5000

4.2400

2.6900

2.2900

2.3400

2.5400

2.5900

HSBC Bank Canada

2.8000

4.4500

3.1400

3.3900

4.0900

4.6400

Home Trust Company

2.5000

3.9500

2.6900

2.1400

2.3400

2.5900

ICICI Bank Canada

3.0500

2.8400

2.8900

Investors Group Trust

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.7400

Laurentian Bank Canada

2.7000

4.4000

2.8900

2.8400

3.3900

3.8900

4.7400

League Svgs & Mortgage

4.4500

2.9900

2.5900

2.6900

2.8900

2.6900 2.6900

Libro Credit Union

3.7500

2.6000

2.6500

2.6900

London Life

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.7400

Luminus Financial

3.2500

3.2000

3.6500

4.0000

4.5000

Manulife Bank

2.6000

4.4500

3.0000

2.9400

2.8400

2.7900

2.8900

Manulife Trust

4.4500

3.0000

2.9400

2.8400

2.7900

2.8900

Meridian Credit Union

2.4000

4.0000

2.8400

2.7900

2.6400

3.8900

2.4900

National Bank

2.7000

4.4000

3.1400

3.0400

3.3900

3.8900

4.7400

PACE Savings & Credit Un

5.0000

2.9900

2.6900

3.4900

3.9900

4.6400

Parama Credit Union

2.6500

2.8000

2.8500

2.9500

3.0500

3.1500

Peace Hills Trust

4.5000

3.1500

3.5000

3.7500

3.8500

3.9500

President's Choice Fin'l

2.7000

6.1900

3.1400

2.7900

3.3400

3.9900

4.4400

Rapport Credit Union

2.8500

6.0000

3.0900

3.0400

3.5000

3.0400

2.9900

Royal Bank of Canada

2.7000

3.1400

3.0400

3.6500

4.3900

4.6400

Steinbach Credit Union

2.3900

2.4900

T-D Mortgage

2.7000

3.1400

2.9900

2.8400

3.3900

3.8900

4.5400

Tangerine

2.7000

3.1900

3.2400

3.4900

3.6900

3.7900

WFCU Credit Union

4.4500

3.0000

3.0400

3.6500

4.3900

4.6400

Your Neighbourhood C.U.

2.7990

2.8900

3.0900

3.1500

2.6900

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator PREPARED BY CANNEX ON JULY 5, 2016 This information is current as of the date and time posted and is subject to change without notice. © Copyright 2016 CANNEX Financial Exchanges Limited. All rights reserved.

JUL 15 - AUG 12, 2016 | NEW HOME GUIDE 49

›› CALGARYREGIONSOUTH 1A

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

COCHRANE

STRATHMORE

CALGARY

CHESTERMERE 797 LANGDON

22X

PRIDDIS

TURNER VALLEY

HERITAGE POINTE

BLACK DIAMOND

OKOTOKS 2A

543 22

HIGH RIVER

BLACK DIAMOND

HIGHWOOD LAKE

RIVERWOOD ESTATES

DEVELOPER: WestView Builders BUILDER: WestView Builders

DEVELOPER: Riverwood Estates Inc. BUILDERS: Woodmaster Homes Ltd.

HAMPTON HILLS

BUILDERS: WestView Builders

MONTROSE

DEVELOPER: Dream Development 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

SEARCH ONLINE ypnexthome.ca

50 YPNEXTHOME.CA

HERITAGE POINTE ARTESIA AT HERITAGE POINTE

DEVELOPER: Heritage Pointe Properties Inc. BUILDERS: Astoria Custom Homes, Albi Homes, Calbridge Homes www.liveatartesia.com

ns tio a c cifi pe stry s u e or nd t c he i s e t gh in Hi

GET MORE OUT OF YOUR HOME, FOR LESS.

Now PRE-selling in Calgary’s brand new NE community of Cornerstone. Homes starting from $350,000* includes lot, home & GST L a n E d H O M E S | F R O n T a n d R E a R aT Tac H E d G a R aG E H O M E S

Stainless steel appliances 4 & 5 Bedroom options

Spice kitchen

Side entry

*Price of home, lot and GST subject to change.

STONEY TRAIL NE

visit the showhomes or see more at Jayman.com/Cornerstone 128 AVE NE

JAYMAN BUILT SALES TRAILER

SaleS centre: 4641 128tH Avenue ne, CALGARY • (403) 978-1002 Showhome hourS: Mon-tHuRs 2-8PM, sAt & sun 12-5PM, FRi CLosed

SKYVIEW RANCH RD

New Home Guide.indd 1

6/3/2016 1:24:25 PM

MATTAMY COMMUNITIES HELP YOU MAKE THE VERY BEST OF SUMMER

This summer, we invite you to come discover all the ways Mattamy creates spaces and places people love to call home. We start with plenty of biking and walking trails to connect our neighbourhoods, giving you places to go and ways to get there.

In Airdrie, The Gates At Hillcrest offers homes with adjacent walkouts to our very own environmental reserve. Osborne Park in Southwinds summons summer play with a shaded plaza and playground structure. Many homes here back onto a protected 4-acre reserve.

Proud Partner of the Canadian National Track Cycling Team

Calgary’s Cityscape delivers new urban style adjacent to 115-acres of environmentally protected lands – plus connection to the 138-km Rotary/Mattamy Greenway, a magnificent network of parks and pathways.

AIRDRIE SALES CENTRE 907 Windsong Drive 403-980-8765

SALES CENTRE HOURS Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm

CALGARY SALES CENTRE 10520 Métis Trail NE 587-755-1061

MATTAMYHOMES.COM/CALGARY

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

MATCALGARY-MH_AllSites_NHG_Mag.indd 1

2016-06-29 4:21 PM