Calgary New Home Guide - Aug 15, 2014 by NextHome

Aug 15 - Sept 12, 2014 Volume 17 Issue 9

old world charm in calgary’s northwest

INSIDE THIS ISSUE

THE BEAUTY OF ELBOW RIVER PARKS

CHBA NAMES AWARD FINALISTS

NEW HOMES TO SUIT YOUR LIFESTYLE

e v i e 00 c e r ,0 des a $ 20 gr p *

IN KING’S HEIGHTS IN AIRDRIE AND NEW BRIGHTON

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STARTING FROM THE MID AIRDRIE

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King Blvd ’s Heigh . t

Blv d

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contents

AUGUST 15 - SEPTEMBER 12, 2014 || VOLUME 17 ISSUE 9

ON THE COVER

p. 12

UNITED COMMUNITIES Nolan Hill – one of Calgary’s fastest growing communities

IN EVERY ISSUE

Editor’s note

COLUMNISTS

Mortgage Advice

Is the lowest mortgage rate always best for you? by Alyssa Richard

20 31 36 50

Insight

The benefits of irrigation by Brad Jackman

Make Your Move

Read and understand your contract for a successful move

IN THE NEWS

Mortgages

Showhome Review

by Chuck Resnick

by Cody Battershill

HOMEBUYERS’ HELP

The Homebuying Process New homes designed to suit your lifestyle by Donna Moore

Shane Homes’ Fiesta II popular with buyers in New Brighton by Heather Ryan

Calgaryism

A day well spent at Calgary’s Elbow River parks and pathways

Albertans among tops in Canada at paying down their mortgages

Designer Advice

Cottage inspired decor by Yanic Simard

Homebuyers’ Resource Section

Mortgage calculator and rate table

32 district maps 11 19 23 25 35 37 43 45 46

Northwest Southwest

PRESIDENT, WALL2WALL MEDIA

Okotoks

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Jacqueline Hill Susan Legge

Southeast

DIRECTOR OF SALES, NATIONAL

Josh Heppner

Cochrane

SENIOR SALES MANAGER, WESTERN CANADA

Northeast

ART DIRECTOR

Edwin Rizarri

Tammy Leung

Calgary East

EDITOR

Airdrie

CONTRIBUTING EDITORS

Wayne Karl Sara Duck Elisa Krovblit Lydia McNutt

Calgary South

Melanie Gowans

Senior Media Consultant

403.200.8462 Follow me on twitter @melgowans Like us on facebook; facebook/CalgaryNHG

PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNERS

Mihail Terentiev, Hannah Yarkony MANAGER OF PRODUCTION

Bala Gnanapandithan NATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys

FOR ADVERTISING INQUIRIES PLEASE CONTACT:

403.200.8462

FOR NATIONAL ADVERTISING INQUIRIES CALL:

416.263.6783

Published By

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 2014 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 m isprints. 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’S NOTE

Taking advantage while you can Low interest rates still in your favour

SUSAN LEGGE

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

he Bank of Canada’s recent announcement to hold its interest rate target at one per cent does not come as a surprise. The rate has been holding at that level since September 2010, which is good news if you’re in the market for a mortgage. There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and could well be lower than posted bank rates, which are currently hovering around three per cent for a variable rate. With a pre-approval in hand, you’re protected if rates rise; if they go down, you’ll likely get an even lower rate. A pre-approval can be a win-win situation for shoppers, since

it means you don’t have to wait to get financing, and can be an especially good tool to when markets are hot. Removing the “conditional on financing” clause could mean your offer is accepted first since you already have your financing in place. When will rates rise? It’s anyone’s guess, but most experts agree it’s unlikely there will be any significant movement this year. However, we can’t assume that will be the case, and you shouldn’t wait too long to get pre-approved for a mortgage. It can take a few days. Many lenders offer online pre-approvals to make the process faster and easier. Take advantage while you still can.

Are we being spoiled by low rates? Expected age to become mortgage-free slowly creeping up

WAYNE KARL

EDITOR Wall2Wall Media Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

08 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

s discussed in the column above, Canada’s continuing ultra-low interest rate environment does provide homebuyers with an excellent opportunity. But, according to one study, it may also be lulling some buyers into something of a false sense of security. A new mortgage poll from CIBC reveals that the percentage of Canadians who are taking steps to repay their mortgage faster is down from 68 per cent last year to 55 per cent this year. And of those taking such action, in two out of three CIBC measurements, fewer people are planning to pay down sooner than later, compared to 2013. Is this an opportunity lost, or a case

of some homeowners being spoiled by the continuing low rates? CIBC seems to think both; Canadians are spending a lot more on home renovations and summer vacations this year. “With mortgage rates remaining relatively stable and at historic lows for the last few years, some Canadians may not be as focused on paying down their mortgages as when interest rates are higher,” says Barry Gollom, vicepresident at CIBC. While balancing your mortgage against other financial goals, CIBC advises homeowners to increase payment amounts, accelerate payment frequency and make pre- or lump-sum payments whenever possible.

SEE SALES REPREARE SUBJECT TO CHANGE WITHOUT NOTICE. PRICES, SPECIFICATIONS AND AVAILABILITY THIS DRAWING, AND RENDERINGS ARE ARTIST CONCEPT. E.&.O.E. SENTATIVE FOR DETAILS. ALL ILLUSTRATIONS GROUP. ALL RIGHTS RESERVED. BUILDERS GENESIS OF PROPERTY IS G PLAN SET, BROCHURE OR RENDERIN

Register now for the opportunity to live in a Pier 11 home, featuring 3 bedrooms, 2.5 bathrooms and such standard and optional finishes as hardwood floors, granite countertops and fireplaces. Set in the heart of Airdrie’s lively and leafy Bayside community, just 25 minutes from downtown Calgary, Pier 11 offers quality craftsmanship, smart design and unmatched value.

O N LY 2 2 H O M ES AVA IL A B L E IN 2 01 4 ! CO N TAC T A N N I AT ( 4 03 ) 4 6 5 - 270 9 SA L ES C EN T R E C A N A L S D R SW A I R D R I E, A B

SAV E $1 000 : R E GI ST E R AT P I E R 1 1 AI RDR IE.CO M

OLD WORLD TRADITIONS. 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.

townhome

l aned home

front garage

estate st yle

from the $300s

from the $350s

from the $450s

from the $600s

collection

Find your place in Calgary’s Northwest. Take Sarcee Trail 1 km north from Stoney Trail and follow the signs. Visit NOLANHILLSHOWHOMES.COM for builder information, lot maps and directions. HOMES BY AVI | MORRISON HOMES | SHANE HOMES STERLING HOMES | TRICO HOMES | JAYMAN MODUS | AVI URBAN

collection

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14 STREET

02 ROYAL OAK Builders: Birchwood Properties DEVELOPER: Birchwood Properties BUILDERS: Properties Hanson Ranch 10 Birchwood

17 AVENUE

37 STREET

SARCEE TRAIL

69 STREET

13 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

14 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, Excel Homes

15 ROCK LAKE ESTATES

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

17 SHERWOOD

BOW TRAIL 85 STREET

STO NE

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

16 AVENUE

Developer: Birchwood Properties

Homes | Albi Homes

CENTRE STREET

DT RA IL

DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

12 B EARSPAW WILLOW CREEK

HILLS BLVD.

AI JO

EVELOPER: Genesis Land Development Corp. D BUILDERS: Genesis Builders Group, Passion Homes, ReidBuilt Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATES

TR SH AG ANNAPI

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DEVELOPER: Genstar BUILDERS: Homes by Avi, Cardel CityLife Homes, 9Landmark, Excel Homes, Showhomes: 2003 20th Ave. Arcuri Homes

y Estates Rise NW

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NOTE: Map is just a graphic representation of areas of developments. 17 AVENUE

de Estates

PANORAMA ROAD

ROCKY RIDGE ROAD

BEARSPAW ROAD

12 COULEE MILE ROAD

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01 PANORAMA HILLSproject for more details. 05 NOLAN HILL See ad of a particular

Cidex es/Intergulf Cidex

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

9 A

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14 10

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SYMONS VALL

128 AVE.

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AIL TR

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10 SAGE MEADOWS

144 AVE. NW

AN AG SH

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›› NORTHWESTCOMMUNITIES

DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Milano Homes,11 Shane Homes, Sterling Showhomes: 99 Panatella Hill NW Homes, Trico Homes, Jager Homes, Builders: Trico Homes Pacesetter Homes www.nolanhillunited.com

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

18 MOUNT PLEASANT

BUILDER: Landmark Homes www.landmarkgroup.ca

06 BEACON HEIGHTS

Showhomes: Hidden Creek Blvd. NW DEVELOPER: Intergulf Cidex 03 EVANSTON BUILDER: Trico Homes, Intergulf Cidex Cedarglen Homes | Cardel Homes and Development Corp. | DEVELOPER:Developer: Qualico Communities elopments Builders: Genstar 08 KINCORA BUILDERS: Broadview, NuVista, Trico Homes | Majestic Homes | Homes, Pacesetter Homes, Sterling DEVELOPER: Melcor es | Centrex Homes

kora Glen Rd. NW

Homes, Jayman MasterBUILT

04 SAGE HILL

EVELOPER: United Communities D BUILDERS: Excel Homes, Pacesetter Homes

BUILDER: Excel Homes

09 EVANSVIEW

DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes

*2012 and 2013 National SAM award winner for Best Community Development

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 11

//COVER STORY

UNITED’S NOLAN HILL

one of Calgary’s fastest growing communities » by HEATHER RYAN

ew-home buyers looking to make a home in one of Calgary’s fastest growing communities will be thrilled to be able to tour through new showhomes and choose from a wide range of newly released lots this summer. Situated in northwest Calgary on more than 500 acres, United Communities is crafting the master-planned community of Nolan Hill that will celebrate the grand opening of two new showhomes on Aug. 23 and 24. Homes by Avi and Trico Homes are opening the two new two-storey showhomes in Phase 4 offering a front attached garage product on zero lot lines.

12 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

“These homes offer a lower price point and aim at affordability for young families,” says Steve LePan, marketing director with United Communities. “For the grand opening on Aug. 24, we’ll have Country 105 radio giving away a trip to Las Vegas and a food truck on site,” he says, so it’s a great time to see the new showhomes and all that Nolan Hill has to offer. Homes by Avi’s showhome is the 2,024-sq.-ft. Reynolds that “features an open floorplan with a main floor office, which is something that many buyers are looking for in a home nowadays,” says sales manager Karl Bursnell. “The upper floor features an outstanding ensuite, laundry room and a bonus

NOLAN HILL | United Communities

room with vaulted ceiling and skylights. Another great feature we’re showcasing is solo-tubes, which bring more natural light into the home.” Trico has “maximized the building pocket” with its 2,122-sq.-ft. Hudson showhome, which “presents an open concept design and one of the great features is there is plenty of storage wherever you turn,” says area manager Ted Tam. “It’s a great family home with a large bonus room and, at the front entry, there is an option for a large walk-in closet or a pocket office.” LePan says Trico and Avi have a combined 33 zero lot line lots in Phase 4 and 50 lots that were just released in Phase 7. “They also have 22 laned lots that are now available in Phase 8 and selling fast.” The newly released lots in Phases 7 and 8 range from zero lot line to larger walkout lots backing onto greenspace for move-up to estate-style homebuyers. Those larger homes are being crafted by Avi, Morrison Homes, Shane Homes, Sterling Homes and Trico, and showhomes are open. “We also have a new multi-family project, Sonoma at Nolan Hill by Vertical Properties, which created Sonoma in Sage Hill,” LePan says. “They’re pre-selling these townhomes out of their Sage Hill sales centre.” As well, Cardel Lifestyles will launch a new townhome project, Nolan Park, in the fall. These new projects join two other townhome offerings – Trinity by Jayman Modus and The Post by Avi Urban. Along with a great selection of housing styles, buyers are attracted to Nolan Hill’s old-world Irish charm highlighted by the castle-ruin structures at the main traffic circle entry and its tranquil natural setting of rolling hills and ravines. Nolan Hill also offers acres of greenspace, three beautifully designed wet ponds, a linear pathway system and parks. “And we’re developing two new playgrounds in Phases 7 and 8,” LePan says. Residents have easy access to great shops, services, groceries and more with the Symons Valley Ranch Farmers’ Market within walking distance, the Beacon Hill and

Creekside centres nearby and CrossIron Mills mall a short drive away. Nolan Hill is also conveniently located by several major routes including Stoney Trail, Sarcee Trail and Shaganappi Trail. For more information about Nolan Hill, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., or visit nolanhillunited.com

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 13

phase one, sold out. phase two, over 80% sold.

With 46 acres of parkland, connected by 5 kilometres of paved pathways, Watermark at Bearspaw is a community built for savouring the moments that really matter. Named Community of the Year two years in a row, Watermark features estate lots from one quarter to one acre and unparalleled amenities for your family. Visit our website or call us today at 403 239 9735 for more information.

PHASE THREE COMING SOON

Custom or quick possession homes beginning at $1.2 Million. More info at WatermarkAtBearspaw.com

//ASK AN EXPERT

NEW TRENDS IN INTERIOR HOME DECOR Q: What are some of the new trends in home decor? A: ““We’re seeing a push right now with people wanting tile flooring that looks like wood for their homes,” says Kal Macdonald, interior design supervisor for Shane Homes and Creations by Shane Homes. “The plank look, which is 6- x 36-inch tile, is popular, and they are installed staggered so they look like a hardwood floor. “These are porcelain tiles so they are extremely durable, they don’t dent or scratch, which is often the case with hardwood. You get the advantage of having the durability of tiles with the rich tone and warmth of hardwood,” Macdonald says, noting this type of flooring is typically being used in front entries, kitchens and bathrooms. He adds there is also a new petrified wood style in a 12- x 24-in. tile “that has a distressed aged wood look that is really nice.” On the topic of woods, Macdonald says honey and caramel tones are a big trend. “For the past few years dark espresso and mahogany was popular, but now we’re seeing a 14 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

Q&A

ASK AN EXPERT by HEATHER RYAN

lot more honey-tones on cabinets and floors and they give warmth to a home. “With cabinets, the trend is going toward simple, straight, clean lines with flat fronts that are easier to clean,” he says. “People want the cleaner lines, but they also want to get away from that industrialized, modern look so they’re choosing texture and warm colours, which makes them less stark.” As for new colour trends, Macdonald comments that blue is in for fashion and it’s moved into home decor. “We’re seeing blues in different tones and shades – navy, cobalt, indigo – and people are mixing them together. We’re seeing really deep saturated blue colours and people are accenting those with soft gold and white.” Another emerging trend is with window coverings and the return of sheer draperies. “The transparent sheers are making a come back and they can be done in linen and wool and different colours as well,” Macdonald explains. “Sheers are great because they create privacy, but they also add texture and warmth to the room and still let in a lot of natural light.”

//MORTGAGE ADVICE A Northwest Community

ALYSSA RICHARD

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

Moving Day Has A Whole New Meaning When You've Won $50,000. When you purchase your new home between May 12 and October 31, 2014, you will be entered for a chance to win $50,000 cash!*

Situated in vibrant Northwest Calgary, EvansRidge offers something for everyone. From beautiful starter and move-up homes, to executive estate homes, and everything in between. Choose from 9 trusted, reputable builders and several new phases to get you the home your family needs to grow. Bus service now available in EvansRidge.

TOWNHOMES from the

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www.dream50k.ca 16 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

Is the lowest rate always best? » by ALYSSA RICHARD

While at ratehub.ca we’re in the business of comparing mortgage rates, we know there’s more to consider than simply how the interest rate will affect your mortgage payment. Banks and smaller lenders sometimes offer promotional rates to attract new clients, but they often come with serious restrictions and penalties. Before you jump at the lowest rate, read the fine print to see if your new mortgage product comes with any of the following: » L OW PREPAYMENT PRIVILEGES. Most products offer the option to increase their monthly payment amount once per year and/or make lump-sum payments throughout the year. While many lenders offer 20/20 prepayment privileges (meaning you could increase your payment by 20 per cent each year and/ or make a lump-sum payment of 20 per cent of your original mortgage), some promotional rates offer only 10/10. If your goal is to become mortgage-free faster, this may not be for you. » COLLATER AL CHARGE. If the lowest rate ends up being for a collateral mortgage, you’ll want to carefully consider how taking one on could affect your finances in the future. Collateral mortgages are readvanceable mortgage products that allow you to borrow money from your home at any time, without having to refinance (and pay the legal fees to do so). Sounds great, right? Unfortunately, they also lock you into staying with that particular lender, even when your mortgage comes up for renewal. To get out of a collateral mortgage, you would need to hire a real estate lawyer (and pay legal fees). » C LOSED MORTGAGE. While most mortgages in Canada are closed, some restrictions are tougher than others. For example, the 1.99-per-cent fixed-rate mortgage Investors Group offered recently, didn’t allow borrowers to prepay, negotiate or refinance their mortgage throughout the three-year term. The only way to break this mortgage would be to sell your home. Again, if you wanted to pay down your mortgage fast or may need to borrow from your home in the future, this product may not be for you. Of course, if your mortgage product comes with the lowest rate on the market and has few restrictions, jump at the chance to get it! But if you have any concerns about what’s included in the mortgage agreement, don’t be scared to shop around.

Dear Mortgage, I’m taking time off to cook up a new career.

Take time off from your mortgage payment. A flexible mortgage from TD allows you to concentrate on something you’ve always wanted to do. Just add a little extra to your regular payments and then have the option to take a payment vacation for up to four months1. It’s just one of TD’s flexible mortgage features.

Visit a branch or tdcanadatrust.com/paymentvacation

Conditions apply. See us for details. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 17

The Pinnacle of

LUXURY A Brand New Magazine Dedicated to High-End Properties in Calgary and Area The only magazine of its kind in Calgary, Luxury Living showcases high-end homes, condos and properties. This is your exclusive opportunity to establish your property as the pinnacle of affluent living.

Available on your mobile device luxurylivingcalgary.com LINE AT BLE ON m AVAILA gary.co LivingCal Luxury

SU MM ER

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01 M YSTICAL RIDGE

EVELOPER: La Vita Land D BUILDERS: Calbridge Homes www.mysticalbridge.com

16 AVENUE

02 C URRIE BARRACKS

BOW TRAIL

MEM

ORI

2 ELBOW DRIVE

DEVELOPER: Legend Developments

06 C RESTMONT

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

BLACK FOOT TRAIL

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

05 S PRING VALLEY

17 AVENUE

37 STREET

17 AVENUE

SARCEE TRAIL

14 AVENUE SW

69 STREET

10 E LMONT BAY

BUILDERS: Westview Builders, Winwood Homes www.elmontbay.com

12 D RESSAGE IN SILVERADO

DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

SOUTHLAND DRIVE

13 W ESTLAND ESTATES

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

15 W EST GROVE ESTATES

ANDERSON ROAD

BOTTOM TR

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

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

FISH CREEK PARK MCKEVITT JAMES

FISH CREEK BLVD

SHAWNESSY BLVD.

MA IL

TRA

SHERIFF KING STREET

CLE

37 STRE

162 AVENUE

S PRUCE MEADOWS HWAY

85 STREET

OLD

14 STREET

CENTRE STR

›› SOUTHWESTCOMMUNITIES

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 19

//INSIGHT

THE BENEFITS OF IRRIGATION Âť by BRAD JACKMAN

ater conservation is a growing concern. Maintaining our earthâ&#x20AC;&#x2122;s water quality and conserving it in a way that benefits everyone is crucial. Monitoring the amount of water we use for our lawns, trees and plants, Landscape 360 feels is important. Custom irrigation systems are an excellent way to conserve water and reduce your yard maintenance. This will allow homeowners to maximize the amount of water their landscape requires. An irrigation system is a far more effective way to provide your yard the water it craves, as opposed to running the sprinkler for a few hours. Leaving your sprinkler on for three hours can use as much as 2,700 litres of water. That is a huge waste, especially if it is done a few days a week. Professionally installed irrigation systems turn on and off Landscape 360. Professional Landscape Construction. 20 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

automatically and only run for a set time, based on what is being watered. Components of the system should include the following. A wireless rain sensor, which will prevent the system form watering when there has been a specific amount of precipitation. The irrigation main line inside your home will have a tap, back flow valve (this prevents water from outside flowing inside) and an on/off valve to shut off water to the whole system. Your main line will connect into an outdoor fixture, which again will have a tap and an on/ off valve. This is where high quality materials are very important. Including a shut off valve outside allows you and your neighbors to shut off the irrigation main, if there was ever a problem. Including a tap into the connection allows for an additional water source and the system to be blown out in the fall. Irrigation systems are customized to maximize the amount of water your yard 403.452.0360 | landscape360.ca |

absorbs through an indoor irrigation computer. Your main line will connect into a manifold where all the different zones distribute water to their desired location. Drip line, bubblers, risers, pop-ups and gear driven heads can all be incorporated to customize your system. Specific garden bed zones throughout the rest of the yard allow for the homeowners to enjoy vibrant and healthy plants without the hassle of routine watering. When installing an irrigation system it is important your contractor uses high quality materials and completes the job properly. Rain water harvesting allows home owners to conserve rain water which falls onto their properties. These are underground rain conservation systems which can be installed on any size home. These systems can irrigate your lawn, trees and garden beds, supply a water feature or be saved and used on our vehicles. Rain

water is very rich in nutrients and is a great way to do your part for the environment. A half-inch of rain on a 2,000 sq. ft. roof generates up to 2,300 litres of reusable high quality water. When deciding which landscape company to hire for your irrigation system itâ&#x20AC;&#x2122;s beneficial to do your research. Ask to see their portfolio, view their website, and look into some of the products yourself. Most importantly ask lots of questions. Landscape construction can be done very different. Hire a company who use quality equipment, utilize the best products available and have it installed professionally. Landscape 360 is a full-service 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.

like us on facebook AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 21

NEW PHASE NOW AVAILABLE

Open your door to Drake Landing Discover an established, family-friendly community in Okotoks where you can build a new home with an awardwinning builder and open your door to nature preserves, parks and playgrounds. A new phase has just been released - act now to have your choice of home and lot and tour a showhome at the corner of Milligan Drive and Drake Landing Gate. Visit DRAKEUNITED.COM for builder information, lot maps and directions.

LIFESTYLE HOMES | PROMINENT HOMES | STERLING HOMES

Starting from the $400s

›› 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

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3 32 ST. E.

WEST

370 AVE. E.

02 CIMARRON

DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Coco Homes, Timbercreek Homes, Westview Homes, Kunz Homes

03 DRAKE LANDING

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

CIM

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32 ST. E.

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

CIMA

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01 OKOTOKS AIR RANCH & RANCHERS’ RISE

SOUTHRIDGE DR.

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04 WESTMOUNT

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

08 MOUNTAINVIEW

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

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 23

Walk this way. F PH IN AS AL E

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470s

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CARDELHOMES.COM

Prices subject to change without notice. E&OE.

Sales Centre Hours: Mon-Thur: 2 pm-8 pm Sat, Sun + Holidays: Noon-5 pm Closed Fridays

68 STR

14 STR

16 AVENUE

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17 AVENUE

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

TOM TR BOT

24 STREET

DEE R

DEVELOPER: Genstar

05 MAHOGANY

52 STREET

HLAND DRIVE

04 WALDEN

BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban

BARLOW TRAIL

MORE VOIR

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

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

03 CRANSTON

1 CRANSTON AVE. SE

SETON BLVD SE

DEVELOPER: Mosaic Townhomes: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential

07 NEW BRIGHTON

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

08 CHAPARRAL VALLEY DEVELOPER: Genstar

BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK

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

10 LEGACY 10

01 AUBURN BAY

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

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

02 COPPERFIELD

DEVELOPER: Hopewell Residential UILDERS: Excel Homes, Sabal Homes, Stepper Custom Homes B

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 25

//SHOWHOME REVIEW

SHANE HOMES’

Fiesta II popular with buyers in New Brighton » by HEATHER RYAN

resenting an eye-catching contemporary look along with a range of exceptional standard features has made Shane Homes’ Fiesta II in New Brighton a hit with new-home buyers. The 1,879-sq.-ft. Fiesta II showhome “is one of our most popular models; people love the size of all the rooms and the comfortable open layout that makes you feel right at home,” says area manager Ron Kerr. “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 and that there are not a ton of upgrades so they can replicate the showhome without spending a lot of extra money,” he says.

26 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

“The Fiesta II is a family-oriented home with a very functional design and it offers a number of different options so buyers can modify the plan to suit their needs.” Kerr says options in the showhome, such as the boxed out fireplace in the living room, the extended kitchen and nook, larger ensuite and extra foot in the garage, which allows for a bigger bonus room, are affordable choices and such a hit with buyers that many are duplicating them. 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. Around the corner and down from the front entry, the

SHANE HOMES | Fiesta I I

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, spacious 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 they have just released the final phase in New Brighton and “we have a great selection of lots available.”

great room is highlighted by a wall-centred fireplace surrounded in tile and topped with a large niche, ideal for a TV. Across from the great room, the kitchen features a long flat-surface granitetopped island as its focal point. The island provides substantial room for food prep, and guests can pull up bar stools to socialize. The kitchen also features an abundance of cabinets, granite countertops, 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.

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 15 - SEP 12, 2014 | NEW HOME GUIDE 27

28 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 29

//IN THE NEWS

Albertans tops among Canadians

IN TERMS OF PAYING DOWN THEIR MORTGAGES FASTER A new CIBC poll finds there has been a significant decrease in the number of Canadians using today’s low interest rates as an opportunity to accelerate repayment of their mortgages. Alberta residents, however, are among the tops in the country at taking actions to pay down their mortgages faster. While more than half of Canadians with mortgages (55 per cent) are taking one or more actions to pay their mortgages down sooner, a similar poll last year found that more than two-thirds (68 per cent) were taking steps to accelerate their repayments. The poll also finds Canadians with mortgages saying, on average, that they will be 58 years of age before they become mortgage-free. KEY FINDINGS OF THE POLL INCLUDE:

» 5 5 per cent of Canadians with mortgages are taking one or more actions to repay their mortgage faster, down from 68 per cent in a similar poll last year » A mong those taking some action: • 3 2 per cent accelerated their payment frequency (down from 42 per cent in 2013) • 2 8 per cent increased their payment amount (compared to 30 per cent last year) • 1 8 per cent made a prepayment / lump sum payment (15 per cent in 2013) » 5 8 is the average age that Canadians with mortgages expect to be mortgage-free, a small increase from age 57 in last year’s poll “A mortgage is the largest debt most Canadians will take on in their lifetime, and being mortgage-free is an important goal for many,” says Barry Gollom, vice-president, secured lending and product policy, CIBC. “With current low interest rates, this may be an opportune time to make progress against your mortgage – even a few small changes can make a big difference in the length of time it takes to pay off your mortgage and the amount you pay in interest charges.” Recent research from CIBC shows that Canadians are spending more this year on other items such as home renovations (up 30 per cent from a year ago), and summer vacations (up 20 per cent from last year). “With mortgage rates remaining relatively stable and at historic lows for the last few years, some Canadians may not be as focused on paying down their mortgages as when interest rates are higher,” says Gollom. “Generally, paying off debt as quickly as possible is a smart decision, but you do need to ensure you’re not focusing on your mortgage at the expense of your other financial plans, or by increasing debt elsewhere.” Paying off your mortgage sooner can result in significant savings, which can have a large impact when applied to your other financial goals. 30 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

Here are some specific examples to show how the savings can add up, using a mortgage of $250,000 (the Canadian average), with a 4.99-per-cent interest rate and a 25-year amortization, and regular monthly payments of $1,453: » I ncrease payment amount: Taking the regular monthly payment amount and topping it up by $147 per month would save you four years and $34,362 in interest on your mortgage. »A ccelerate payment frequency: Most Canadians are paid every two weeks; aligning your mortgage payments with your pay deposit and making accelerated bi-weekly payments of $726 would result in saving four years off the life of your mortgage, and a reduction of $30,970 in interest charges. Combining this with increased payments as above (an extra $74 bi-weekly) would together save you seven years and $57,182. »M ake pre-payments/lump sum payments: Not a lot of families have a few thousand “extra” dollars lying around, but even using your annual tax refund towards your mortgage can make a difference. The average Canadian tax refund is $1,600 – applying that amount to your mortgage each year would reduce the amortization by four years and save you $33,103 in interest. Using all three of these strategies in combination would shave nine years off the life of your mortgage, and result in total savings of $73,785. “Employing one or more of these strategies does take some planning and discipline,” says Gollom. “If becoming mortgage-free sooner is something you want to achieve, it’s important to look at your mortgage as part of your overall financial picture, and to balance your mortgage payment plan against your other goals.” AVERAGE AGE CANADIANS EXPECT TO BE MORTGAGE-FREE, BY REGION:

National 58 Atlantic Canada 57 Quebec 56 Ontario 57 Manitoba and Saskatchewan 58 Alberta 55 British Columbia 66

PERCENTAGE OF CANADIANS WHO HAVE TAKEN SOME ACTION TO REPAY THEIR MORTGAGE FASTER, BY REGION:

National 55% Atlantic Canada 48% Quebec 48% Ontario 61% Manitoba and Saskatchewan 51% Alberta 65% British Columbia 47%

//MAKE YOUR MOVE

READ AND UNDERSTAND YOUR CONTRACT

for a successful move » by CHUCK RESNICK

CHUCK RESNICK is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

There’s an old rule in business: what is not in writing was never said. When it comes to hiring professional movers, the need for a contract is especially important. The first thing to do is find a reputable mover. Check online with the Better Business Bureau or the Canadian Association of Movers, and of course, seek referrals from friends and family. Select a company with a tried-and-true track record, ask lots of questions and answer any the movers have, to help them prepare an accurate estimate. Be thorough – telling us on moving day that you want to take the shed in the backyard can delay things for hours. It

can also add significantly to your costs. Speaking of costs, we need to know well ahead of time if you want us to provide packing services. If we have quoted on moving only and not packing as well, a new contract will have to be drawn up with a higher price. If you do the packing yourself, read the contract to see how much your items are covered, should damages occur. We also have to know whether you have anything other than Point A to Point B in mind for moving day. Any unexpected side trips are like the meter running in a taxicab, and will cause further delays. Professional movers rely on you to explain exactly what you need. A contract protects you as much as the movers, but only if you read it, understand it and abide by it. Chuck Resnick is Vice-President, Marketing & Operations at Two Men and a Truck – Canada. Visit twomen.ca

‘‘ We felt like we won the lottery. ‘‘

The home had everything we wanted. All within our budget.

Trico Homeowners

NOW BUILDING IN 15 AMAZING COMMUNITIES IN CALGARY & SURROUNDING AREAS Scan to see what else our homeowners are saying!

A beautiful home. A dream location. The right price. The TOTAL experience. Like many homebuyers, Meho and Darci figured they would know they found the right home when they saw it. Finally there it was: a Trico showhome so perfect they insisted on buying the showhome itself. Furniture and all! The only thing missing was the need to negotiate, because the price was right too!

Homes that fit...your wildest expectations.

tricohomes.com AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 31

DATE:

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//DESIGNER ADVICE

Cottage

INSPIRED DECOR by YANIC SIMARD / photos by TED YARWOOD WHETHER OR NOT YOU CAN FIND the time for a true cottage getaway, a sense of relaxed living can be infused into homes of any form, from traditional to modern. To get the best of lakeside living, even in your urban abode, here’s my guide to the essential details of cottage-inspired decor:

Cottage colours It’s hard to imagine a cottage-inspired colour scheme without the calming essence of a clean, fresh white.  For an earthy, zen atmosphere, pair white with off-white neutrals (greys, beiges or both) and let texture and materials become the focus – it recalls the simple beauty of sandy shores and pebbled paths without feeling too stark.  For a livelier nautical vibe, blue can’t be beat as a cottage-inspired favourite. In general, a cottage interior tends to choose a limited palette and stick to it, so pick one hue to repeat in smaller or larger doses from room to room (and if you want a little extra punch in a key area, try small hits of red for spice). 32 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

Let wood reign Naturally, wood is one of the first materials you think of when you think “Cottage inspired” – but you must know how to use it right.  To create a feeling of consistency, I typically recommend running wood floors as far as possible, even into the kitchen – it can survive the occasional spill if you treat it properly. Embrace wood with visible graining, such as Mir Hardwood’s Reclaimed Parquet collection (which mixes woods for rich character).  For those who prefer a hard surface, consider an inset tile “mat” for the kitchen, entry, or other wet areas – it keeps the floor flush (and there’s no sisal rug to try to wash the mud or red wine out of ).  Plank walls give the textural look of a cottage cabin interior, but unless you live directly on the water, you may find this much wood a bit overwhelming. Paint it out a white or pale colour to maintain an airy relaxed vibe, or go for a deep espresso stain and break up the wood with white accents such as art and drapery.

HC-128 Clearspring Green

CC-10 Ultrawhite

HC-168 Chelsea Gray

2064-50 Costa Rica Blue

CC-640 Blue Grass

CC-636 Mountain Air

COTTAGE COLOURS Visit benjaminmoore.ca

Timeless Tile Subway tile (i.e. 1 by 3-in rectangles, typically) is a versatile classic that can appear either modern or traditional depending on the details.  The most popular form of contemporary subway tile is crisp white porcelain, but you don’t have to go so minimal. Consider a tile with a more organic surface shape and subtle, uneven colouring, to bring in some traditional warmth, or choose a style with a bevelled edge for a sleek touch of class.  A cottage inspired kitchen is also a great place to play with the colour of your tile grout – the geometric patterns of subway tile (or any other shape) can be highlighted with dark, contrast grout, or you could even choose one with a colour infused to add a playful accent. Focus on faucets Even in the most humble cottage, a slight hit of sparkle usually appears in the form of an eye-catching kitchen faucet.  Whether your goal is a transitional or traditional style, a “bridge” faucet (which sits above the counter on two widespread arms rather than one in the centre) adds an uncommon graceful touch.  If you find yourself quite often filling large pots (for soups or pastas, for example), a wall-mounted faucet placed over the stove is extremely practical, and makes the fixture even more of a standout feature. Soft and strong Seating in a cottage-inspired home tends toward two timelessly practical (and beautiful) categories: wood and slipcovered.  Sturdy wood barstools, dining chairs, and benches make perfect options for bringing in a sense of natural strength, as their open frames still allow for an airy and relaxed look, and they contrast soft upholstery beautifully.  Whether or not you find yourself regularly tracking sand inside, slipcovered furniture is practical for its ease of washing and for the ability to swap out looks between seasons. Plus, a skirted front on a sofa or chair communicates the relaxed cottage vibe, especially in a heavy natural fabric (such as a linen blend). 34 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

Everyday beauty Cottage decor often comes down to celebrating the basic essentials of decor, such as beautiful plates, vintage servingware, and stunning pots and pans.  Open shelving is a popular trend which suits the most rustic spaces (think simple wood plank shelves) or even more modern schemes (try vanishing floating glass). However, if you prefer to keep your storage behind closed doors, consider varying the heights of your cabinets – this creates neatly framed niches at the ceiling where you can display party serveware you use occasionally (such as elegant porcelain pitchers).  If you have precious plates you won’t use often (or even favourite ones that you do!) an artful arrangement over your dining table makes a classic cottageinspired display – choose all white pieces if you want to keep the look modern. Similarly, cool copper pots hung on an open rack make a trendy metallic statement in between recipes.

YANIC SIMARD

is the design editor of New Condo Guide and principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Yanic often applies his signature high/low and old/new combination design techniques in developing unique interiors. Yanic has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca

›› COCHRANECOMMUNITIES RA

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RIVER HEIGHTS DR.

05 MONTERRA ON COCHRANE LAKE

DEVELOPER: Medallion Development Corp. BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes

2 JUMPING POUND RIDGE 0 www.jumpingpoundridge.com

06 WESTPOINTE ESTATES

3 SUNSET RIDGE 0 DEVELOPER: Melcor

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

BUILDERS: WestView Builders, Kingsmith Homes

BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi

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

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

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

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 35

RANGE RD 40

HORSE CREEK RD.

//CALGARYISM

A day well spent at Calgary’s Elbow River parks and pathways » by CODY BATTERSHILL

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

Some would call them the lifelines of our city – the Bow and Elbow – two important rivers that allowed the North West Mounted Police to settle and sustain themselves over a century ago when things were done the old fashioned way. Today, our city has more than 700 kilometres of pathways, with many branching off the Bow and Elbow Rivers into nearby communities. These pathways not only provide easy, year-round access to the river parks, but also a place of serenity amid the hustle and bustle of the big city. START AT THE ELBOW RIVER The Elbow River is the source of the Glenmore Reservoir, which is where it begins its meandering path north until it meets up with the Bow River. The Reservoir is also one of my favourite places to begin Elbow River activities. GLENMORE RESERVOIR The Glenmore Reservoir was formed when the city built the Glenmore Dam in 1932. Surrounding its entire edge are paved double-lane pathways. Visit the Weaselhead Natural Area to the west of the reservoir – a vast wooded area just outside city limits. You'll feel like you’re in the Rockies, and it's one of the best off-leash areas for pets. If going outside city limits isn’t your thing, head to the northeastern edge of the reservoir. Here you will find the beginning of the Elbow River parks and pathways, weaving through inner city areas before reaching downtown.

36 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

RIVER PARKS Travelling in that direction you will come across some of our city's most popular inner city parks – such as Altadore Park and Sandy Beach Park. The latter has a reputation as one of the best dog parks in Calgary. Further north you’ll find Stanley Park, complete with an outdoor public swimming pool, picnic tables, barbecue pits, baseball diamond and open fields. It's also one of the safest and most popular places for a fun day of river rafting. TALISMAN CENTRE Only a few minutes further past Stanley Park and you’ll find one of Calgary’s best recreational centres. The Talisman Centre has a state-of-the-art fitness facility, gymnasiums, swimming pools, steam rooms and more. Having the Talisman side-by-side with the Elbow River is a convenience that many fitness-oriented people consider when buying a home in Victoria Park, Erlton and other nearby neighbourhoods. CULTURED NEIGHBOURHOODS Stay on the paths a little longer and you’ll reach Victoria Park, Inglewood and East Village, areas known for their vibrancy and culture. A day visiting the unique shops, restaurants and activities in these places is one well spent. Fort Calgary is where the Elbow River journey comes to an end. However, there is much more to do when you reach RiverWalk as Eau Claire Market, Princes Island Park, the Calgary Zoo, St. Patrick’s Island and the Peace Bridge are but only a few moments away. I LOVE OUR RIVERS We truly are fortunate to have such a wealth of recreational and leisure opportunities provided by our river parks and pathways. We also are blessed by their beautiful and serene natural settings that are as much a part of our city as the very people who live here. I will definitely be getting out to enjoy some of these Elbow River activities before this warm, sunny summer gone. Will you?

PANORAMA ROAD

STONEY TRAIL

4 3

52 STREET

HARVEST HILLS

METIS TRAIL

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES COUNTRY HILLS BLVD.

NAP I TR

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80 AVENUE

32 AVENUE

14 STREET

64 AVENUE

MCKNIGHT BLVD.

68 STREET

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68 STREET

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

01 SADDLESTONE

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

EVELOPER: Walton Development and Management D BUILDERS: Innovations by Jayman, Beattie Homes, Morrison Homes, Excel Homes, Pacesetter Homes, Lionsworthe Homes www.lifeatskyview.com

04 REDSTONE

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

05 CITYSCAPE

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 37

CELEBRATING SUCCESS

WALL2WALL MEDIA would like to congratulate all of the 2014 CHBA–Alberta Awards of Excellence Finalists

WALL2WALL MEDIA is proud to once again be a Gold Sponsor of the CHBA–Alberta Awards of Excellence in Housing

CHBA – ALBERTA AWARDS OF EXCELLENCE IN HOUSING

FINALISTS ANNOUNCED The Canadian Home Builders’ Association – Alberta (CHBA – Alberta) is pleased to announce the 69 finalists for the Awards of Excellence in Housing presented by RBC Royal Bank. A record 417 entries were submitted for judging by 156 industry members. Winners in the 23 individual categories plus three prestigious Builder of the Year Awards will be announced September 19 at BUILD 2014 in Jasper. “Many things have changed since the first province-wide housing awards competition was held 30 years ago. Back in 1984 the awards focused on affordable housing with a $39,000 cap on construction costs for single family homes. Today’s awards celebrate the full range of housing options – starting with homes under $245,000 without lot or GST right up to estate homes that top $1,750,000. The best multi-family, green homes, community developments and renovations will also be honoured,” said Stephen Amonson, President, CHBA – Alberta. The Calgary Region leads this year’s competition with 32 finalists, followed closely by the Edmonton Region at 29, and four for both Central Alberta and Lethbridge. In total, 45 companies are in the running for an award. Two companies have a combined total of six homes among the finalists: Albi Homes/Albi Renova and Homes by Avi/Avi Urban. Two builders have three finalists and another 14 companies have double finalists. The highlight of the event is the announcement of the Builder of the Year Awards for the best overall scores in the competition. CHBA – Alberta will present awards to the top multi-family and small-volume builders and the Ralph Scurfield Award to the top large-volume builder. The finalists will be revealed at the awards ceremony. “We are delighted to see record participation in the awards and the broad range of companies chosen as finalists. Our industry has come a long way since 1984 when we built about 7,300 new homes – almost all for single families. Over the years consumer demand has shifted. Now we’re building more than 36,000 homes a year but almost half are duplexes, townhomes and apartments. Whatever their needs, buyers will find outstanding choices by visiting the show homes in their community,” said Jim Rivait, CEO, CHBA – Alberta. CHBA – Alberta is also thrilled to announce the finalists for the Safety Leadership Awards. Eight companies are finalists for the awards sponsored by ATCO Gas. The awards will also be presented at BUILD 2014, CHBA – Alberta’s annual conference.

CANADIAN HOME BUILDERSâ&#x20AC;&#x2122; ASSOCIATION - ALBERTA

AWARDS OF EXCELLENCE IN HOUSING

FINALISTS ANNOUNCED SAFETY LEADERSHIP AWARDS

ReidBuilt Homes

SINGLE FAMILY UNDER $245,000

SINGLE FAMILY $245,000 - $260,000

Parkwood Master Builder

SINGLE FAMILY $260,000 - $290,000

SINGLE FAMILY $290,000 - $310,000

Daytona Homes

SINGLE FAMILY $340,000 - $370,000 Falcon Homes

SINGLE FAMILY $370,000 - $410,000

Stepper Custom Homes

San Rufo Homes

Albi Homes

Homes by Avi

*Single Family and Estate home category prices do not include lot or GST.

Jayman

MULTI-FAMILY APARTMENT UNDER $325,000

MULTI-FAMILY APARTMENT OVER $325,000

Rohit Communities

COMMUNITY DEVELOPMENT

GREEN HOME

Landmark Group of Builders

RENOVATION UNDER $200,000

RENOVATION $200,000 - $500,000 Kon-Strux Developments

RENOVATION OVER $500,000

THE CANADIAN HOME BUILDERS' ASSOCIATION - ALBERTA (CHBA - ALBERTA) IS THE VOICE OF THE RESIDENTIAL CONSTRUCTION INDUSTRY IN THE PROVINCE. IT REPRESENTS OVER 1,500 BUSINESS MEMBERS INCLUDING NEW HOME BUILDERS, RENOVATORS, DEVELOPERS, TRADE AND SUPPLY COMPANIES, AND PROFESSIONAL SERVICES.

›› 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

DIS

ALLEY

HERITAGE POINTE

BLACK DIAMOND OKOTOKS

2A HILLS (coming soon) 04 B UFFALO

543 CHESTERMERE RAINBOW FALLS

HIGH RIVER

DEVELOPER: Truman Developments 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

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

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

LAKEPOINTE

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

LANGDON 01 B OULDER CREEK ESTATES DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Broadview Homes

02 H ANSON PARK

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

STRATHMORE T HE RANCH IN STRATHMORE

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

EDGEFIELD IN STRATHMORE

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

LYALTA 03 T HE LAKES OF MUIRFIELD

UILDERS: Douglas Homes, Today’s Homes, B Ribero Homes and Compass Rose Homes

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 43

GETTING MORE FEELS GOOD. Innovations homes are built to give you more space without having to spend more money. When your home is that much bigger than you expected, the sky looks bluer, the sun seems brighter, and your TV seems, well…you might need a new TV.

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ATTACHED DOUBLE GARAGE HOMES STARTING AT

$419,000

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

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LEGACY

REDSTONE

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SUNSET RIDGE

8/1/2014 4:24:41 PM

›› AIRDRIECOMMUNITIES 3

VETERANS BLVD

01 BAYSIDE ESTATES

VETERANS BLVD

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

02 WINDSONG

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

1ST AVE

03 REUNION 10

EVELOPER: Hopewell Residential D BUILDERS: Excel Homes, Sabal Homes, McKee Homes

EAST LAKE

04 KING’S HEIGHTS DEVELOPER: Melcor

UILDER: Loreck Homes, McKee B Homes, ReidBuilt Homes, Shane Homes, Homes by Avi, Innovations by Jayman www.kingheights.ca

NOSE CREEK

05 RAVENSWOOD

1 YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

EVELOPER: Qualico D BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

06 COOPER’S CROSSING 2 NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

6 4

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

07 WILLIAMSTOWN 8

EVELOPER: Vesta Properties D BUILDERS: Douglas Homes, Talisman Homes, Vesta Homes

08 HILLCREST

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

09 SOUTHWINDS

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 Homes

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 45

›› 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

543 22

HIGH RIVER HIGHWOOD LAKE

DEVELOPER: WestView Builders BUILDER: WestView Builders

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

46 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

HIGH RIVER

BLACK DIAMOND RIVERWOOD

DEVELOPER: Riverwood Estates Inc. BUILDERS: Sheep River Homes, Woodmaster Homes

RIVERWOOD ESTATES

BUILDERS: Compass Rose Homes, Sheep River Homes

HERITAGE POINTE ARTESIA AT HERITAGE POINTE

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

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

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 47

//HOMEBUYERS’ HELP

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 02 03

Calculate the combined monthly before-tax income of you and your spouse. Divide by three. This figure is the monthly payment you can afford to make on your home. 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.

48 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

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 firsttime buyers take the 25-year amortization.)

Multiply this figure by the amount you need to borrow. Divide by 1,000.

06 07

Add to this your estimated monthly heating costs and monthly property taxes. 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 andget pre-qualified.

Mortgage interest rates ATB Financial

VARIABLE 6 month

1 year

2 years

3 years

4 years

5 years

2.700 4.000 2.940 2.890 2.990 3.040 3.290

Bank of Montreal (BMO)

3.000

4.000

3.140

3.040

3.850

4.390

4.990

Bank of Nova Scotia

3.100

4.550

3.290

3.140

3.440

3.940

4.790

Bridgewater Bank

- 4.800 4.700 5.250 - 5.250

CIBC Mortgages

3.000 4.450 2.990 2.940 3.650 4.240 4.990

Canadian Western Bank

3.200

4.000

3.140

3.040

3.750

4.390

4.990

Canadian Western Trust

3.200

4.000

3.140

3.040

3.750

4.390

4.990

Effort Trust

4.450 3.450 3.600 3.700 4.600 4.950

Equitable Bank

3.140

3.040

3.750

4.540

4.940

First Calgary Financial

4.000

2.890

3.190

3.390

3.290

First National Financial

2.500

3.950

2.990

2.590

2.790

2.770

3.090

HSBC Bank Canada

3.100

4.450

3.600

3.950

4.450

4.990

5.340

Home Trust Company

2.500

3.950

2.890

2.790

2.940

2.990

ICICI Bank Canada

3.050

3.150

3.650

3.640

3.690

3.890

Investors Group Trust

3.000

4.200

3.140

3.750

4.640

4.990

Laurentian Bank Canada

3.000

4.400

3.140

3.500

4.390

4.790

League Svgs & Mortgage

4.000

3.140

3.040

3.200

3.140

3.440

Libro Credit Union

3.900

3.150

3.200

3.300

3.450

2.990

London Life

3.000 4.200 3.140 3.140 3.750 4.640 4.990

Manulife Bank

2.700 4.450 3.000 3.050 3.100 3.140 3.190

Manulife Trust National Bank

4.450 3.000 3.050 3.100 3.140 3.190

3.000 4.400 3.140 3.040 3.750 4.390 4.790 -

4.500

3.150

3.500

3.950

3.490

President’s Choice Fin’l

3.000

6.190

3.190

2.940

3.590

4.040

4.440

Royal Bank of Canada

3.000

3.140

3.040

3.750

4.540

4.940

4.000

3.140

3.040

3.750

4.240

4.790

Peace Hills Trust

Servus Credit Union T-D Mortgage

3.000 4.000 3.090 3.040 3.440 3.940 4.790

Tangerine

3.000

MORTGAGE TYPES

ALL MORTGAGES ARE OF TWO BASIC TYPES: 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. INSURED OR HIGH-R ATIO: 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

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 short-term 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.

3.190 3.240 3.490 3.690 3.790

PREPARED BY CANNEX ON JULY 19, 2014. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2014 CANNEX Financial Exchanges Limited. All rights reserved.

AUG 15 - SEP 12, 2014 | NEW HOME GUIDE 49

//THE HOMEBUYING PROCESS

New homes designed to suit your lifestyle » by DONNA MOORE

DONNA MOORE

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

With continued low interest rates, it’s a good time to buy a new home – one that not only offers great style and lots of features, but is also designed to suit your lifestyle. Simply, you’ll want a home that is great to live in and meets the needs of you and your family. You’ll discover all that a new home has to offer when visiting the numerous showhomes crafted by home builders in the Calgary region. Builders know that every customer is unique and that everyone has different requirements and preferences so they make sure to offer a variety of choices and options to meet the differing needs. The builders spend a great deal of time carefully selecting designs and features they offer their customers and then together, you work out the details for your home; that’s why a new home is collaboration between you and your builder. And, the result is a new home that is built for you. Whether you are purchasing your first home, a move-up home or downsizing, builders offer attractive options for everyone – from single-family homes to estate homes and from townhouses to apartment-style condos, in new suburban communities, urban infill developments or the many smaller communities outside of Calgary. When it comes to style, layout, features and finishing touches, builders offer a dazzling array of choices and options so today’s buyers should have very little difficultly in finding a home that reflects their personal style and way of living. At the same time, builders understand the importance of convenience by offering functional layouts, optional designs, useful work spaces, low maintenance and energyefficient products – all under one roof. However, no new home is complete without your personal touch. While builders’ practices vary, almost all of them leave room for you to create the final look of your home. In most cases, you can personalize your home by choosing colours, cabinets, countertops, flooring, tiles, lighting and other finishing components. The best way to see what’s available is to visit the various showhomes in the region. This will give you a first-hand view of the many trend-setting features and finishes that are being showcased by local builders, which will spark your

50 NEW HOME GUIDE | AUG 15 - SEP 12, 2014

imagination when it comes time to make your final selections. As well, some builders allow you to add optional features such as fireplaces and mantels, decks and built-in entertainment centres, or they may even allow you to modify the floorplans, add windows or change the exterior cladding. You will find that several builders offer various optional layouts for their models giving homebuyers even more choices to suit their family’s needs, such as a bumped-out dining nook, a luxurious ensuite in the master bedroom, a built-in component in the mud room, a fourth bedroom or a built-in IT centre. The great thing about buying a new home is you basically have the opportunity to get what you want right from the beginning. And that’s just part of the picture. Just as important in buying a new home is what you cannot see, but what will add to your home’s comfort, such as energy-efficient construction and systems – hot water, furnace and ventilation – use of green materials and energy-efficient products, and the installation of plenty of windows to let in an abundance of natural light. Buying a new home is a rewarding experience, but it also provides satisfaction in knowing that behind every new home stands a team – the builder, trades people, manufacturers and suppliers of products and materials used in your home and the warranty company – that is committed to providing a home that you can enjoy for years to come.

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.

canpages_filler_VF.indd 1

13-02-26 4:50 PM

mattamyhomes.com

We Have 4 Communities Worthy Of A Staycation. Summer is always a perfect time to enjoy life in a Mattamy community. There are parks and playgrounds so kids can spend a day playing outdoor games. There are walking/biking trails for early morning or after dinner family walks. And in some neighbourhoods you’ll even see features such as forests and wetlands that are always fun to explore. Every summer’s day is a great day when you live in a Mattamy home. Follow us: Sales Centre Hours: Monday - 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 aug.2.indd 1

2014-07-31 10:35 AM