Calgary New Home Guide - Dec 2, 2016

DEC 2 - 30, 2016 VOLUME 19, ISSUE 13, FREE

CALGARY EDITION

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INSIDE THIS ISSUE

ALBERTA ECONOMY SET TO REBOUND IN 2017

WALDEN: AMENITY-RICH AND IDEAL FOR FAMILIES

WHY YOU SHOULD USE A MORTGAGE BROKER

start your search here.

Whether you’re renting or buying, finding your next home has never been so easy.

contents DEC 2 - 30, 2016 | VOLUME 19 ISSUE 13

10

ON THE COVER

Homes by Dream

Unveils exclusive Arrival Collection in EvansRidge

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

WITH

DYNAMIC MAPS

LOOK FOR THE CIRCLE

showhome review

trending

30 Shane Homes

08 Economy

neighbourhood proďŹ le

38

Bringing an urban vibe to Cornerstone

36

Walden

Amenity-rich and ideal for families

Calgary and Edmonton set to bounce back in 2017

West Grove Estates

The Rise semi-estate lots with a west end Calgary lifestyle

30

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

Elisa Krovblit Lydia McNutt

SENIOR MEDIA CONSULTANT

Melanie Gowans 403.200.8462 Follow me on twitter @melgowans

38

36

Like us on Facebook ypnexthome

PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNER

Mike Terentiev PRODUCTION MANAGER

Helen Pearce

FOR ADVERTISING INQUIRIES PLEASE CONTACT:

403.200.8462 FOR NATIONAL ADVERTISING INQUIRIES CALL:

416.263.6783

advice

district maps

16

Calgaryism

07

by Cody Battershill

09 Northwest

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

15

Cochrane

19

Airdrie

2891 Sunridge Way NE Calgary, AB T1Y 7K7.

Phone: 587.226.1313

Top 5 suburban breakfast restaurants in Calgary

20 Insight

New home landscaping

by Brad Jackman

22 Fundamentally Speaking

Calgary South Region

25 Okotoks 29

Northeast

33

Southeast

40 Mortgage Mogul

37

Calgary North Region

by Jason Eldridge

39

Southwest

What the new mortgage rules could mean for you

by Wayne Karl

Why you should use a mortgage broker

in every issue

6

Editor’s Note

26 What’s Online

Published by

42 Calgary

East Region

The magazine is free to the public

ypnexthome.ca

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

WALDEN

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

ypnexthome.ca/walden

You’re in the driver’s seat Whether this is your first time buying a new home or your tenth, the process can be hectic, exciting and stressful. Before you do anything, relax and take control of the situation.

Understanding the market is just part of the story. Knowing what you need and what you can afford is the more important part of the process.

Making a wise purchasing decision that doesn’t keep you up at night when interest rates rise or market news becomes the talk of the town is up to you.

Any expert will tell you that buying a home or condo is a long-term

commitment. In this magazine and online at YPNextHome.ca, we offer key advice from the experts, as well as the latest news designed to help you make a wise purchasing decision.

Also at YPNextHome.ca, our Neighbourhood Profiles take you on a virtual tour through 2,700 neighbourhoods across Canada.

You’ll get all the facts, photos and fun tidbits that you need to help you decide which neighbourhood is right for you.

There’s lots to take in, so kick back, relax and enjoy. You’re in the driver’s seat!

You talked. Let’s see if they really listened

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

If there’s one thing Canadians are passionate about, it’s their home. If they’re fortunate enough to have one.

On National Housing Day on Nov. 22, Jean-Yves Duclos, Minister of Families, Children and Social Development and Minister Responsible for Canada Mortgage and Housing Corp. (CMHC), released the much anticipated “What We Heard” from Canadians report. Joining him for the press conference – held via Facebook Live – was CMHC President and CEO Evan Siddall.

The product of several months of “Let’s Talk Housing” consultations with housing experts, stakeholders

+ get social

Interact with us on social media: ypnexthome

WAYNE KARL Senior Editor

6 YPNEXTHOME.CA

and everyday Canadians, the report is meant to help shape a National Housing Strategy, which the government is to reveal next year.

As for next steps, “The hard work continues. Broad consultations indulge peoples’ expectations, as they should. However, policy makers must balance these against fiscal constraints. Our objective will be to develop a NHS that employs finite government funds to maximum effect, yielding the best outcomes,” the report says. “We will work with our partners on a housing strategy that is national in nature but that recognizes regional housing conditions.”

›› CALGARYREGIONSOUTH 1A

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

2

COCHRANE

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CHESTERMERE 797 LANGDON

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543 22

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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

HERITAGE POINTE ARTESIA AT HERITAGE POINTE

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

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

DEC 2 - 30, 2016 | NEW HOME GUIDE 7

north

Trending

Calgary and Edmonton economies set to bounce back in 2017: Conference Board THE ECONOMIES OF CALGARY are

expected to end 2016 contracting for the second year in a row, but are poised to rebound in 2017.

According to The Conference Board of Canada’s Metropolitan Outlook: Autumn 2016, low oil prices continue to cause widespread economic pain across most cities in Alberta, including Calgary and Edmonton. However, 2016 should mark the end of this latest recession, as both metropolitan economies are expected to start recovering next year, in line with gradually rising crude oil prices.

Calgary’s economy is expected to contract by 2.1 per cent in 2016, before rebounding by 2 per cent in 2017. Similarly, Edmonton’s economy is on track to post 1.4 per cent decline this year, followed by growth of 2 per cent next year.

Vancouver, Toronto and Halifax are expected to be among the economic growth leaders this year, the Board says.

Vancouver will be the fastest growing metropolitan economy in the country this year and next.

“Vancouver is on track to boast the fastest-growing metro area economy for the second straight year in 2016, as the region’s housing market remains one of the metro area’s key engines of growth,” says Alan Arcand, associate director of the Board’s Centre for Municipal Studies. “While Vancouver’s economy is forecast to slow next year, partly due to federal and provincial government measures directed at cooling the overheated housing market, the pace of growth still will be strong enough to maintain the metro area’s first place ranking.”

Vancouver’s economy is on track to

expand by four per cent this year, on the heels of a 4.1 per cent gain in 2015.

Thanks to record-level housing starts and many non-residential projects, the construction sector will be Vancouver’s top-performer in 2016, with the finance, insurance and real estate sector not too far behind. However, federal and provincial governments’ actions to cool the overheated housing market will take some steam out of the economy over the near term, leading to slower growth in construction and in finance, insurance and real estate.

Toronto’s economy is forecast to expand by 3.4 per cent this year and 2.6 per cent in 2017, led by advances 5 Sherwood in transportation and warehousing, Showhomes: 1228 Sherwood Blvd. manufacturing, finance, insurance Developer: Genesis Development Corp and real estate. The latter sector Builders: Majestic Homes continues to benefit from persistent 6 Beacon Heights strength in the resale housing market.

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

VIEWS THE

8 Kincora

Showhomes: 115 Kinkora Glen Rd. NW

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

ARE ONLY THE

BEGINNING.

TOWNHOMES

MOVE-UP HOMES

from the

from the

340s

$

Jayman Modus | Calbridge

FINAL PHASE NOW SELLING

A Northwest Community by

8 YPNEXTHOME.CA

$

from the

530s Genesis | DS Homes Homes by Dream

You’ve earned it.

Mon - Thurs: 2pm - 8pm Sat, Sun & Holidays: Noon - 5pm

ESTATE HOMES

$

600s Calbridge | WestView Homes by Dream

With the Northwest Calgary’s most spectacular properties and all the amenities you and your family need close to home, isn’t it about time you stepped up to life on the ridge?

403.245.3515 www.lifeontheridge.ca

www.dream.ca

rthwest

›› NORTHWESTCOMMUNITIES

06 EVANSVIEW

12 COULEE MILE ROAD

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04 NOLAN HILL

17 AVENUE

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 BUILT kora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW DEVELOPER: Intergulf Cidex Developer: Cedarglen Homes | Cardel Homes and Development Corp. | 03 SAGE HILL BUILDER: Trico Homes, Intergulf elopments Builders: Genstar DEVELOPER: United Communities Cidex Homes | Majestic Homes | BUILDERS: Pacesetter Homes

Homes | Albi Homes

08 VALLEY POINTE ESTATES

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, Trickle Creek Homes, Wolf Custom Homes, NewWest Luxury Homes www.watermarkatbearspaw.com

11 EVANSRIDGE

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

12 ROCK LAKE ESTATES SARCEE TRAIL

Showhomes: 2003 20th Ave. 02 EVANSTON

69 STREET

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DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.genesisland.com

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DEVELOPER: Melcor BUILDERS: Landmark Homes, Albi Homes

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

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DEVELOPER: Genstar BUILDERS: Arcuri Homes

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es | Centrex Homes

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

16 CARRINGTON

DEVELOPER: Genstar BUILDERS: Excel Homes

*2012 and 2013 National SAM award winner for Best Community Development DEC 2 - 30, 2016 | NEW HOME GUIDE 9

Property Profile | HOMES BY DREAM

cover story

Homes by Dream unveils exclusive Arrival Collection in EvansRidge Location

DISCERNING NEW-HOME BUYERS

EvansRidge in N.W. Calgary

who desire a home that stands out from the rest, one that speaks of style, creativity, distinction and quality, are discovering their dream home can come true on one of Dream’s first “Signature Streets” in EvansRidge.

Homes by Dream, Dream’s home-building group, has crafted an exclusive and limited collection of just 19 unique homes on Evansborough Way that have been designed specifically for Calgarians looking for elegant design and superior craftsmanship.

Builder

Homes by Dream Home Type

Arrival Collection of move-up and estate homes Sales Centre

393 Evansborough Way N.W., Contact

403.538.3737

10 YPNEXTHOME.CA

While a fresh face on the Calgary building scene, Homes by Dream has been building homes in Western Canada for more than 40 years, and Dream assembled an experienced team of professionals locally to create the unique Arrival Collection in EvansRidge, Calgary’s newest established northwest neighbourhood.

“We’re really excited to be able to offer homes of this caliber in the Calgary market,” says Michael Tandara, director of marketing, Calgary Land & Housing, adding that three showcase homes were opened at the end of

“Arrival’s architectural style features Contemporary Modern, Prairie School, English Tudor, Mountain Craftsman and French Country.”

October, and “we’ve been getting a great response from buyers and visitors with four of the 19 homes already sold.

“These are not your typical suburban homes, they have a strong presence on the streetscape and are exceedingly unique in both exterior and interior, offering something for everyone’s tastes from modern to rustic. They’re more Altadore than Auburn Bay. “The homes have been designed with thoughtful consideration, paying attention to the quality of the architecture, quality of the interior design, and quality of function,” Tandara says.

Led by Michelle Moodie, Homes by Dream’s director of architecture, the team enlisted sought-after Calgary interior designer Amanda Hamilton to help craft five beautiful, high-end designs that in various combinations ensure each home is distinct.

Arrival’s architectural style features Contemporary Modern, Prairie School, English Tudor, Mountain Craftsman and French Country.

Meanwhile, interior concepts include: Minimalist, a clean, contemporary aesthetic; Bohemian Retreat, a casual aesthetic; Boutique Hotel, a classic contemporary vibe; Kinfolk, timeless with simple natural

materials; and Maison de Rêve, merging the sophisticated decorative elements of Paris with the contemporary elegant lines of French fashion.

“This upgraded collection features quality materials and finishings including granite countertops, hardwood floors, gourmet appliances and cabinets to the ceiling. Every element, from lighting, to hardware, to millwork has been chosen to enhance the theme,” Tandara says. “In an industry accustomed to repetition, the uniqueness of the collection ensures homeowners will feel like they live somewhere truly special.”

“What’s also exciting is these homes are all completely built, so people can experience the finished streetscape and won’t be bothered by home construction taking place next door,” he adds. “It offers a turnkey experience with buyers being able to move in and jump right into living their lives. The front and back landscaping, deck and fencing is all done, and possession is immediate.”

In Arrival’s exclusive offering of just 19 front-attached garage homes, six are move up priced from $549,900 and 13 are estate priced from $739,900. They range from approximately 2,400 to 3,100 sq. ft. and include special features such as third-floor lofts, fourth bedrooms and tandem garages.

There are three showcase homes – a Contemporary Modern with Minimalist style, a English Tudor with Kinfolk style and a French Country with Maison de Rêve style.

“These have been fully dressed so people can tour through and get a feel for the quality and style and see just how special this final piece of EvansRidge is,” Tandara says. “But they can also request a viewing for any of the other homes we have available on this street.”

For more information on the Arrival Collection, visit the showcase homes at 393 Evansborough Way N.W., open weekends, noon to 5 p.m., or by appointment by calling 403.538.3737, or visit homesbydream.ca DEC 2 - 30, 2016 | NEW HOME GUIDE 11

F E S W A O H P N L G A N IN LI L E

S

Picture perfect setting in Calgary’s northwest.

As you look out onto the rolling hills, green spaces, playgrounds and castle-ruin inspired landscapes you’ll be transported to Old-World British Isles. But the moment you pass the community entrance, you have every modern convenience at your fingertips. It’s the best of both worlds – without compromise.

Townhomes with Garage from the $300s Homes with front-attached Garage from the $460s

nolanhillunited.com

Homes By Avi

Morrison Homes

Shane Homes Sterling Homes

Trico Homes

Cardel Lifestyles

Jayman Modus

Cedarglen Living

Horse Creek Road

ay 1A

Hig hw ay 22

Highw

* Rate based on a 5% down payment with a 3-year fixed rate of 2.54%. Prices & terms are subject to change without notice.

HeartlandCochrane.com

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

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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, Jayman BUILT www.heartlandcochrane.com

DEC 2 - 30, 2016 | NEW HOME GUIDE 15

RANGE RD 40

HORSE CREEK RD.

NG

1A

1A

Advice | CALGARYISM

Top 5 suburban breakfast restaurants in Calgary

By Cody Battershill

MORE ADVICE ONLINE ypnexthome.ca/news/advice

Ace Coffee & Diner ADDRESS: 8244 9th Ave. SW PHONE: 403.475.1788 Ace is a go-to spot for breakfast, brunch and lunch in Calgary’s suburban westside area, and for good reason.

Inside you’ll find a light, cosy eating atmosphere with a cafe-style front where you can walk-in and order pastries, drinks and other breakfast items. This is a great feature for people looking to grab something quick in the mornings and go.

Try the salmon eggs benedict with added mushrooms. The thinly sliced salmon was layered thick and rich in flavour while the baby potatoes were grilled perfectly and seasoned with just the right amount of herbs.

scrumptious home-made French pastries and breakfast delights.

It also may be one of the most affordable suburban breakfast restaurants in Calgary with selections ranging between $6 and $11.

Try Nick’s Scrambled Eggs served with sausages, hash browns, sweet peppers, caramelized shallots, cheddar cheese and toast.

Eggs & More ADDRESS: 5441 Falsbridge Dr. NE PHONE: 403.280.9488

Starbelly Open Kitchen & Lounge ADDRESS: #220 - 19489 Seton Cr. SE PHONE: 403.570.0133

Eggs & More is a go-to spot for those in the northeast and east suburban sectors of the city.

Boasting a rather large seating area – a good thing considering its popularity – you’ll get a reasonable serving size for the price.

I suggest the classic eggs benny with your choice of side.

This suburban restaurant is a favourite for residents of communities such as Auburn Bay, Mahogany and McKenzie Towne.

Starbelly’s menu items are largely made from scratch using local ingredients, while the contemporary and comfortable atmosphere is great for parties of all sizes.

I highly recommend the wild boar gnocchi: confit boar shoulder, red pepper, tomato ragu (sauce), local vegetables, pickled apples and Manchego (a Spanish cheese). This dish is one of the best gnocchis I’ve ever had in Calgary!

Patisserie Du Soleil ADDRESS: 2525 Woodview Dr. SW PHONE: 403.452.8833 Deep southwest in Woodbine, this little hidden gem offers up 16 YPNEXTHOME.CA

The Bro’Kin Yolk ADDRESS: #130 – 12580 Symons Valley Rd. NW PHONE: 587.317.5743 In the deep northwest, this suburban restaurant is reminiscent of one of those popular inner city breakfast diners with line-ups around the corner on weekends – it’s just that good!

Inside is a very homey space with a handful of large booths, as well as bar seats around the open kitchen.

For breakfast poutines, try the truffle, ham and wild mushroom mixed with duck fat hash browns, cheese curds and two soft poached eggs topped by a roasted garlic hollandaise sauce.

What are your favourite suburban breakfast restaurants? Stop by online at Calgaryism on Facebook, Twitter or Instagram today and let us know.

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

FALL 2016 VOLUME 7, ISSUE 2, FREE

The only magazine of it’s kind in Calgary!

A comprehensive look at Calgary and Area’s new communities to help you find the best neighbourhood and home for you.

Brought to you by YP NextHome the creators of New Home Guide.

FALL 2016 VOLUME 7, ISSUE 2, FREE

Journey Back.

Live Forward.

Small town chic on Calgary’s doorstep.

INSIDE THIS ISSUE

Journey Back.

Live Forward.

3 REASONS NOW IS A GOOD TIME TO BUY IN CALGARY

FALL 2016 OPENINGS AND NEW RELEASES

5 WAYS TO MAKE BUYING A HOME MORE AFFORDABLE

Small town chic on Calgary’s doorstep.

INSIDE THIS ISSUE

Brought to you by the publishers of

3 REASONS NOW IS A GOOD TIME TO BUY IN CALGARY

FALL 2016 OPENINGS AND NEW RELEASES

5 WAYS TO MAKE BUYING A HOME MORE AFFORDABLE

TO BOOK YOUR ADVERTISING SPACE CONTACT: Melanie Gowans 403.200.8462 melanie.gowans@ypnexthome.ca

›› AIRDRIECOMMUNITIES 3 VETERANS BLVD

05 RAVENSWOOD

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

7

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

11

Developer: Mattamy Homes Builders: Mattamy Homes

YANKEE VALLEY BLVD

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.

9

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

DEC 2 - 30, 2016 | NEW HOME GUIDE 19

Insight

New home landscaping

By Brad Jackman

ONE SHOULD NEVER underestimate the many benefits of creating a vibrant and functional outdoor living space customized for your home. 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 personal flare to your home’s exterior. Your landscape options include custom decks, patios, walkways, garden beds, trees, shrubs, lighting, fences, irrigation, drainage solutions, boulders, retaining walls, water features and barbecue stations.

Clearly there are many aspects to landscape construction and it pays to explore all your options carefully.

More importantly, hire a company with a strong portfolio.

With a variety of high quality products and many different concepts, your landscape design can be customized to complement any size and shape of property. Natural stone is the highest quality material to use for landscaping. Serenity, timelessness, balance, beauty and function are all traits of natural stone.

It can be used in almost all facets of landscape construction.

Landscape lighting can enhance your outdoor space and bring your yard and nature to life. Lighting provides your space with energy, safety, balance and interest. The ambient glow of landscape lighting sets the mood for your yard.

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.

20 YPNEXTHOME.CA

“Landscaping is a process that’s built in layers. Many of the steps are tedious, lengthy and labor intense.”

Homeowners have endless options when it comes to custom woodwork.

Decks, pergolas, privacy walls, arbors and many other options are possible with wood. Pressure treated lumber, cedar and kayu batu (outdoor hardwood) are all excellent choices to bring the luxury of inside outdoors.

The key to enjoyment and the longevity of your yard is quality craftsmanship. Landscaping is a process that’s built in layers. Many of the steps are tedious, lengthy and

labor intense. Progress can seem slow due to the preparation required, with most typical contracts springing to life in the final few days of construction.

Having professionals with the proper knowledge base who use high quality materials is a must.

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 hard working staff. We have a combined 23 years of experience within the landscape industry. If it is a fully conceptual design you require or a smaller project, we will be happy to help.

Landscape 360 Professional Landscape Construction 403.452.0360, landscape360.ca Like us on facebook DEC 2 - 30, 2016 | NEW HOME GUIDE 21

Advice | FUNDAMENTALLY SPEAKING

What the new mortgage rules could mean for you

By Wayne Karl

MORE ADVICE ONLINE ypnexthome.ca/news/advice

IF YOU’RE LOOKING TO BUY your first

home, listen up: the new mortgage rules that took effect in October will likely make it more difficult for you to get into the housing market.

Here we go again

What does this mean?

The federal government has changed mortgage eligibility rules five times between 2008 and 2015. This latest round was intended to stabilize “overheated” housing markets, mostly in Toronto and Vancouver, slow home price growth and keep mortgage indebtedness under control.

All good things.

What the changes also do, though, is make it more difficult for young Canadians to take that important first homebuying step.

As of Oct. 17, homebuyers who apply for a high-ratio mortgage (meaning, they have less than 20 per cent as a down payment) now have to undergo a mortgage “stress test” by qualifying at a rate they don’t even actually have to pay.

Yes, you read that right.

This stress test is intended to assure lenders that you, Mr. and Ms. Homebuyer, could still afford the mortgage if interest rates rise.

For example, says Alyssa Furtado, founder and CEO of ratehub.ca, a website that compares mortgage rates across Canada, the best mortgage rate in Ontario at time of writing was 2.29 per cent. However, the Bank of Canada’s qualifying rate for applicants is 4.64 per cent.

For example, a couple with a combined income of $100,000 has saved $40,000 for a down payment and they qualify for a mortgage rate of 2.29 per cent. We’ll assume their monthly property taxes will be $400, and their heating costs $150 a month.

Using RateHub’s mortgage affordability calculator, they’ll be able to afford a property costing up to $521,041 because of the new mortgage rules.

“Under the old rules, however, they would have been able to spend $635,700,” she says.

Cha-ching: a difference of $114,659.

On average, according to Calgary mortgage broker Jason Eldridge, by having to qualify for mortgage financing using the five-year Canadian benchmark rate, the maximum purchase price will drop by approximately 21 per cent, given existing five-year contract rates.

Now imagine the situation in Alberta, where the economy has already been hammered by the prolonged oil and gas slump. If you were looking to buy a home there, your buying power will now take a 20-per-cent hit – on top of the economic uncertainty you may be

22 YPNEXTHOME.CA

feeling. Those in Alberta looking to sell a home, meanwhile, will now be trying to sell to many whose homebuying power has just been reduced.

Hello, double-whammy.

There were other rule changes announced last month that come into effect on Nov. 30. For those looking to restructure or refinance an existing mortgage or purchase a property with at least a 20-per-cent down payment, similar qualifying rules will apply in many cases. Lenders who use portfolio insurance and other discretionary low loan-to-value ratio mortgage insurance will now have to meet the eligibility criteria that previously only applied to high-ratio insured mortgages.

The bottom line The rule changes will make it harder for some first-time buyers to get into the housing market. And they may also face higher mortgage rates.

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

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

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3 32 ST. E.

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02 CIMARRON

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

03 DRAKE LANDING

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

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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

DEC 2 - 30, 2016 | NEW HOME GUIDE 25

What’s Online

Trending now The latest real estate news from across Canada

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PANORAMA ROAD

STONEY TRAIL

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HARVEST HILLS

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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

05 CITYSCAPE

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.saddlestonecalgary.com

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

06 SAVANNA IN SADDLE RIDGE

02 SADDLEBROOK

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 BUILDERS: Jayman BUILT, Shane Homes, Morrison Homes, Truman Homes, Pacesetter Homes www.liveatcornerstone.ca

04 REDSTONE

DEVELOPER: Qualico Communities – New Home Guide MATCALGARY_Banner BUILDERS: Broadview Homes, NuVista Homes, Pacesetter MATCALGARY_AllSites Banner_NHG_Mag FileBUILT, Name: Homes, Jayman Trico Homes, Creations FC

by BC Shane Homes, Shane Homes (Shane showhome to be built in Trim: 6.75” x 1.5” Safety/V.O.: .25” spring) Bleed: NA Colours: CMYK

mattamyhomes.com

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)

DEC 2 - 30, 2016 | NEW HOME GUIDE 29

Showhome Review | SHANE HOMES

Creations by Shane Homes CREATIONS BY SHANE HOMES is bringing an urban vibe to suburbia presenting a modern style inside and out with its latest laned home offering in the newest northeast Calgary community of Cornerstone.

“These homes offer a very modern exterior that people love,” says area manager Deb Gearey. “They are fresh and really have a ‘wow’ factor.

And, the interiors are very cleverly designed so there’s no wasted space.

“We’re getting a really great response from people visiting our showhomes, especially the Sienna, which is our newest and most popular model in Cornerstone,” Gearey says.

“Customers love that the design and 30 YPNEXTHOME.CA

PHOTO BY EYMERIC WIDLING PHOTOGRAPHY

brings an urban vibe to Cornerstone

PHOTO BY EYMERIC WIDLING PHOTOGRAPHY

Location

Cornerstone in N.E. Calgary Builder

Creations by Shane Homes Home Type

Laned homes Sales Centre

1083-1091 Cornerstone St. N.E., Contact

Deb Gearey 403.536.2320

the strategic placement of the stairs allows for a separate side entrance and an open space in the basement that they can develop.

“A lot of people see value in that, especially due to recent mortgage changes, and they’re looking at developing a legal suite to offset their living expenses.”

She adds that people also love having the opportunity to customize the plan to suit their needs. “The showhome is 1,561 sq. ft., but with our customizable floorplans I have been able to turn it into a four bedroom model and added extra living space.”

The Sienna presents an inviting modern feel right from the entry with its light-toned flooring and warm

grey and white colour scheme. The entry offers a nice space for greeting guests and a little corner niche by the front closet allows room for a bench or hall table.

The entry is open to a spacious front living room made bright with large windows and a niche by the stairs provides room for a hutch, desk or IT centre.

“What I think is awesome about this home is the central kitchen and the oversized island – it’s one of the biggest islands I’ve seen and the microwave is built into the island, which is a really nice touch,” Gearey says. “The dining ledge on the island is great for entertaining guests as it can fit six people.”

Along with the impressive island

the kitchen serves up dark granite countertops, dark ceiling height cabinets, stainless steel appliances and a subway tile backsplash. Across from the island double doors open to a handy pantry.

Adjacent to the kitchen is a huge dining area that allows plenty of room for family and friends and around the corner a convenient half bath, large closet and built-in bench are in the mud room adjacent the rear entry.

Upstairs, the spacious owners’ bedroom provides room for kingsized furniture and features a large walk-in closet and beautiful ensuite with oversized walk-in shower.

Down the hall, double doors open to a convenient upstairs laundry, and further along another set of double doors open to an extralarge linen closet.

Additionally, there are two generously sized secondary bedrooms – one with a walk-in closet – and a full bathroom with granitetopped vanity and soaker tub.

Along with the Sienna, Creations by Shane Homes also has the 1,506-sq.ft. Tryon and the 1,554-sq.-ft.

Wysteria on its showhome parade in Cornerstone.

For more information, visit Creations

by Shane Homes’ showhomes at 1083, 1087 and 1091 Cornerstone St. N.E., Calgary, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., call Deb at 403.536.2320 or visit shanehomes.com. To get there, take Metis Trail to 128 Avenue N.E. and follow the signs.

DEC 2 - 30, 2016 | NEW HOME GUIDE 31

Auburn Bay Gardens Developer: Carma Builders: Heartland Homes | Cardel Homes | Cedarglen Homes | Baywest Homes | Jayman MasterBUILT | Albi Homes | Morrison Homes

Ask An Expert

Advice for building a backyard rink Q: Can you give me some advice on how to build a backyard skating rink?

A: “Before you even start to build a backyard rink you need to first locate where the utilities are buried on your property especially if you plan to build the rink out of wood,” says Dan Wannamaker, landscape and project manager with Scotty’s Rentals and Landscaping, which does landscaping for Shane Homes.

“The second most important thing is the grade of the property,” he says. “You need to make sure the ground is level because if it slopes to one side the water will drain off and you don’t want that.” Wannamaker also recommends ensuring there is a proper drainage path for when the ice melts, which should always be away from your home.

Next, examine how big a yard you have. Keep in mind you need room not only for the rink, but clearance to move around the

Q&A

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

Showhomes: New Brighton Dr. SE. Developer: Carma Builders: Beattie Homes | Cardel Homes | Cedarglen Homes | Morrison Homes | Heartland Homes | Homes by Avi

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210 AV E 32 YPNEXTHOME.CA

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By Heather Ryan

17 AVEN

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Q&A

2 Copperfield Residential Communities outsideDeveloper: of it and spaceHopewell to pile snow, Wannamaker explains. “The Builders: Broadview Homes | Coco rule of thumb is 10 ft. all the way around, but I Homes suggest more if you Sabal Homes | Stepper Custom Homes have the room.” it comes time to actually build the rink there are two ways 3WhenCranston to go. First, you can use wood to boarder the rink and you’ll need to Developer: Carma Builders: Homes Homes | Cardel put down sand overAlbi the grass for |aBeattie base and help prevent punctures Homes to | Cedarglen Homes | Trico Homes in the layer of poly needed cover the area.

If you’re building a 20- by 20-ft. rink, spreadEstates the poly 30- by 30-ft. so it runs over the Cranston boards,Showhomes: tape any seamsCorner to avoidoflosing water,Ave.& and cut off the excess Cranston Cranarch Rd. ASK EXPERT: afterAN you flood. by HEATHER RYAN Builders: Albi Homes | Landmark Homesmethod, | However, Wannamaker recommends the second which Baywest Homes involves buying a rink liner from a home hardware or sporting goods “These make the job of putting in a backyard rink 4 outlet.

WALDEN much easier because have aRise firmSE 6-in. edge so you don’t need Showhomes:they Walden boards,Developer: and the liner isGenstar thick so you can put it down right on the grass once the yardShane is levelled.

It’s also reusable so you can fold it Builders: Homes | Cardel Homes | Innovations by” Jayman | Excel Homes away for the summer.

Developer: Carma Finally, wait until the ground is frozen and temperatures are around -10C before flooding the rink. You’ll also need to add water 5 Mahogany throughout the winter – weekly or biweekly depending on the usage.

Showhomes: Mahogany Heath SE. If youDeveloper: have a home Hopewell related question, contact Shane Homes at info@shanehomes.com.

Builders: Jayman MasterBUILT | Sabal Homes |

2 AVENUE

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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 BUILT, 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

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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

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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

4

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

09 LEGACY 9

01 AUBURN BAY

9

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

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

02 COPPERFIELD

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

DEC 2 - 30, 2016 | NEW HOME GUIDE 33

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56 FIRESIDE CRESCENT, COCHRANE FIRESIDE | LANED SINGLE FAMILY LEIGHTON $395,361 | 1560 SQFT | 3 BEDS, 2.5 BATHS

217 FIRESIDE DRIVE, COCHRANE FIRESIDE | LANED DUPLEX | LINDEN $345,494 | 1404 SQFT | 2 BEDS, 2.5 BATHS Dual master bedrooms

Upper floor laundry

with upper floor laundry

Washer & dryer

Laminate & tile flooring

5-Pc ensuite

Quartz in kitchen

Full rear deck

and baths

Quick Possession Homes

Laminate & tile flooring

Full height kitchen

granite counters in

cabinets

kitchen stainless steel

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appliances

appliances Washer & dryer

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211 FIRESIDE DRIVE, COCHRANE FIRESIDE | LANED DUPLEX | LINDEN

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shelves

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516 QUARRY WAY SE, CALGARY QUARRY PARK | MANHATTAN 5

146 WATERS EDGE DRIVE, DEWINTON ARTESIA | HERITAGE POINTE | CARMINI 2

$849,900 | 2504 SQFT | 3+1 BEDS, 2.5+1 BATHS

$1,399,900 | 1889 SQFT | 1+1 BEDS, 1.5+1 BATHS

Backing onto green space & pathway Triple car garage Fully developed basement Landscaping included

Triple side garage

Jennair built-in professional

Fully landscaped

style appliances

Ribbon fireplace with

Fully developed basement

floating stone hearth

Neighbourhood Profile

WALDEN Amenity-rich and ideal for families

By Caitlin Best

MORE PHOTOS ONLINE ypnexthome.ca/walden

BUILT WITH YOUNG FAMILIES IN MIND,

Walden is a fast-growing community in the southeast quadrant of the city.

As homes continue to be built in the far south part of the neighbourhood, more young families are expected to move in. The many bike paths, parks, man-made lake nearby and Blue Devil Golf Course are all perks that come with living here.

The vibe Named after a book by Henry David Thoreau, Walden will have three attractive villages, roughly 160 acres of greenspace and a nine-hole golf course once development is complete.

Inspired by the natural beauty of the surrounding landscape, a great deal of effort has gone into keeping the neighbourhood natural in appearance.

Meet the neighbours Walden has a relatively young population and currently one in four residents are under the age of 20.

Considering the majority of housing in the area is made up of single family-

homes and duplexes, this area is ideal for families who don’ t mind being a little further away from downtown.

without traffic, but during peak hours it could take an hour.

In the area Because residents are so close to the city limits, developers have wisely included villages throughout the area that have many of the amenities you’d expect in most communities closer to the core of Calgary.

Starbucks for your early morning java, Save On Foods for groceries and a string of other retail shops and restaurants can be found within a short walk or drive.

The good, the bad and the rest Overall, this area is becoming highly popular with homeowners. If you like the idea of having an abundance of greenspace, contemporary new homes and brand new shops and restaurants, then you’ll love this area.

Being so close to nature and having the view to the south are huge selling points for city dwellers that don’t care as much about being downtown.

However, be prepared to spend more time commuting.

Planes, trains and automobiles If you work from home or need to access the towns of southern Alberta, this is a very convenient place to be. However, people who are commuting close to downtown will want to take the train versus driving.

The Somerset-Bridlewood C-Train line is roughly a 10-minute drive away. Getting to the Calgary airport by car takes roughly 40 minutes

Real estate In 2015, Walden homes are selling for just above the average Calgary home price but the homes being purchased in Walden are, for the most part, new builds that have been constructed in the last few years. With a variety of chain stores, cost of living won’t be above average in this area and would be on par with living in many other Calgary neighbourhoods.

Caitlin Best works as a freelance writer and creative based in Calgary. When she’s not covering the latest lifestyle trends or hot new restaurants for local and national publications, she’s planning her next travel adventure.

36 YPNEXTHOME.CA

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

575 CROSSFIELD

72

2

567 AIRDRIE

Journey Back.

Live Forward.

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.

TRAFFIC JAMS FROM ONLY

Laned homes

$299 900 including GST

FROM ONLY

Front-drive homes

$399 900 including GST

Showhomes & Welcome Centre 10-22 Amery Crescent | Crossfield, AB MCKEE HOMES | REIDBUILT HOMES | HOMES BY DREAM

vistacrossing.ca

Trending

The Rise West Grove Estates’ semi-estate lots with a west end Calgary lifestyle TOGETHER WITH ALBI LUXURY by Brookfield Residential and Cedarglen Homes, Bri-mor Developments has launched its latest development with 200 semi-estate lots in Calgary’s sought-after west end. As an extension of West Grove Estates, The Rise is a testament to providing real value to consumers who expect both affordability and the highest quality of living from a west side address.

From the strict architectural controls, seven acres of active and passive greenspace and the proximity to convenient lifestyle amenities, the established West Grove Estates neighbourhood creates a sense of welcome the moment you arrive.

“We have listened to consumers who are still seeking a new home in this market,” says Aleem Dhanani, managing director of Bri-mor Developments, “but one that provides true value with quality, lifestyle amenities, greenspace and close access to downtown and the mountains, all at an affordable price.”

The community is designed for active families, young professionals and empty nesters with ample greenspace including areas for playgrounds, a soccer field and other outdoor family activities in addition to a regional pathway system. “Each park is designed to provide families with a place to engage with neighbours or escape to a relaxing retreat, moments from your doorstep” says Dhanani.

“The Rise at West Grove Estates will offer an established community lifestyle while still living in a newly constructed home.”

Starting from the low $700’s, Albi and Cedarglen will begin its highly anticipated pre-sale program on Nov. 15, 2016 while construction of their new showhomes is underway.

Visit westgroveestates.com for more information on community features, amenities and building opportunities.

38 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

AV

EN

4 BAN

FF

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

3

DEVELOPER: Legend Developments

04 CRESTMONT

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

BLACK FOOT TRAIL

1

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

9

JAMES

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

SHAWNESSY BLVD.

11 ASPEN WOODS ESTATES

MA

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

IL

TRA

SHERIFF KING STREET

D

OA

CLE

ET

37 STRE

162 AVENUE

6

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

8

85 STREET

OLD

UE

14 STREET

16

CENTRE STR

›› SOUTHWESTCOMMUNITIES

DEC 2 - 30, 2016 | NEW HOME GUIDE 39

Advice | MORTGAGE MOGUL

Why you should use a mortgage broker

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

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

So what are the advantages of working with a dedicated mortgage professional?

Firstly (and perhaps the biggest reason for most clients), is the interest rate that can obtained. When you go to your bank, more often than not, you will be put into the uncomfortable situation of having to negotiate with your banker for a better rate. When you work with a broker, if you qualify for the best rates (based on your credit history), you automatically get the best rates. No tied selling. No moving all of your other banking and investments to the new lender to get the better rate. And the best part…it doesn’t cost you a thing. There is no charge for our service (when working with a chartered bank or regular financial institution. Even a 0.25-percent reduction in your interest rate, can save you thousands of dollars in unnecessary interest costs.

Secondly, you have more lenders and options to choose from. When you go to your own bank, you only have access to their mortgage products. Mortgage brokers have access to over 30 lenders, including many of the chartered banks, so 40 YPNEXTHOME.CA

MORE ADVICE ONLINE ypnexthome.ca/news/advice

we have access to a vast array of mortgage options to suit your particular needs and goals. While there can be subtle differences, something as simple as better prepayment privileges may be a reason for choosing one institution over another.

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

Mortgage brokers will meet with you where and when you prefer, or at the very least offer you the convenience of arranging your financing via phone, fax and email. Generally speaking, you can be pre-approved for mortgage financing the same day you apply.

Finally, mortgage specialists are able to offer their clients a more relaxed qualifying process. If you don’t happen to meet all of your banks’ criteria, they will often turn you

away, whereas a broker will continue to source your application to as many lenders as required to find you the financing you require based on your personal situation.

If you are looking for a change, and would like to experience the convenience and value of working with a dedicated mortgage professional, please ensure that they have their proper accreditation. As a mortgage specialist working with Axiom Mortgage Solutions, I am governed by the Alberta Mortgage Brokers Association (AMBA), and the Real Estate Council of Alberta (RECA).

As always, I welcome any questions or comments you may have regarding the information contained in my articles. Until next month…

Jason Eldridge, P.F.P, B. Admin Mortgage Specialist, Axiom Mortgage Solutions (formerly Unisource Mortgage) Cell 403.630.1718, Fax 866.708.5807 Email jason@axiommortgage.ca Web/apply online jason.axiommortgage.ca

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

2.5000

4.1000

3.0400

2.3900

2.5900

2.6900

2.7900

Alterna Bank

2.4500

4.0000

2.7900

2.7400

2.5900

2.7400

2.5900

Alterna Savings

2.4500

4.0000

2.7900

2.7400

2.5900

2.7400

2.5900

Bank of Montreal

2.8500

4.2000

3.0900

3.1900

3.5900

4.0900

4.8400

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

-

2.8900

2.7900

2.7900

2.9900

2.4400

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

2.8900

2.4400

2.7900

2.5400

First National Financial

2.3500

3.1000

2.2900

2.4900

2.5900

2.6900

2.7900 2.6900

FirstOntario Credit Un.

2.5000

4.3400

2.7900

2.3900

2.5400

2.6900

HSBC Bank Canada

2.8000

4.4500

3.1400

3.1400

3.3900

4.0900

4.6400

Home Trust Company-Agent

2.5000

3.9500

2.6900

2.1400

2.3400

2.5900

2.5900

ICICI Bank Canada

3.0500

-

2.9400

2.9400

2.9400

2.9900

2.9900

Investors Group Trust

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.6400

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

2.7900

2.6900

2.6900

Libro Credit Union

-

3.7500

2.6000

2.6500

2.6900

2.6900

2.6900

London Life

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.6400

Luminus Financial

3.2500

-

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

4.5400

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

3.1400

3.0400

3.6500

4.3900

4.6400

Steinbach Credit Union

-

-

2.3900

2.3900

2.3900

2.4900

2.4900

T-D Mortgage

2.8500

3.1400

3.0400

2.8400

3.4400

3.8900

4.6400

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

2.9400

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator PREPARED BY CANNEX ON NOVEMBER 23, 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.

DEC 2 - 30, 2016 | NEW HOME GUIDE 41

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

See ad of a particular project for more details.

2

E

4

1

3

STRATHMORE 1

CALGARY

CHESTERMERE 797 LANGDON

22X

22X

DDIS

VALLEY

HERITAGE POINTE

BLACK DIAMOND

2

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

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42 YPNEXTHOME.CA

STARTING FROM THE

$269,900* PRICE INCLUDES HOME, LOT & GST *Price of home and lot subject to change.

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New Condo Guide - November.indd 1

10/20/2016 7:45:34 AM

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MATCALGARY-Brand_NHG_Mag.indd 1

2016-11-15 1:58 PM