Calgary New Home Guide - December 7, 2012

Dec 7, 2012 - Jan 4, 2013 Volume 15 Issue 13

tay cosy this winter in a new home FROM PROMINENT HOMES

inside this issue

MOVING IN TIME FOR CHRISTMAS

001-NHCAL CVR_12-07-12 v7.indd 1

HOMEBUYING AND THE ONE-THIRD RULE

WHY YOU SHOULD USE A MORTGAGE BROKER

11/30/12 2:27:23 PM

mattamyhomes.com

Introducing A Cozy, Affordable Bungalow, Big Enough For A Two-Car Family.

Introducing The Birmingham In Lakepointe. From $429,990.

Lakepointe

PARTIAL BASEMENT PLAN FOR OPT. GROUND FLOOR PLAN

GREAT ROOM 16'0"x12'0" BARREL VAULT

SE PLANS 'B'

HIS OR HER

W

BOILER

DN

All Tiles & Window wells are 0.1

WALL HUNG HEATING SYSTEM

KITCHEN/ DINING AREA

AIR HANDLER

12'9"x15'6"

All strokes are 0.2

FLUSH BREAKFAST BAR

PPO Font Side

DROPPED CEILING

OPT. DOUBLE SINKS

ENSUITE DOUBLE HANGING

13'6"x13'0"

W.I.C.

W.I.C.

QUIET WALL

HIGH LEVEL WINDOW

D

GAS FIREPLACE

14'0"x15'0"

BATH

LOW HEADROOM IF REQ'D

MENT PLAN

LINEN

Well-designed kitchen with breakfast bar.

Second bedroom GREAT ROOM is perfect as a kid’s bedroom or a guest suite.

FURNITURE NICHE W/DROPPED CEILING

KNEEWALL

KNEEWALL

DN

DEN

10'0"x10'6"(8'2")

KNEEWALL

DN IF REQ'D

DW

MUD ROOM

14'0"x9'0"

Den for reading, studying or working.

DN

10'0"x10'0"

KNEEWALL

DN IF REQ'D

STORAGE

STORAGE

14'0"x17'8"

It is a whole new way to enjoy all of the benefits of BEDROOM 3 living in this casual Chestermere setting, away from the hustle and bustle of the city. Visit us today to MUD ROOM find your new home by the shores of Chestermere Lake.

KNEEWALL

BREAKFAST

FLUSH BREAKFAST BAR

PANTRY

DW

KITCHEN

Separate formal dining room for family gatherings and dinner with friends.

DOOR IF GRADE PERMITS (LANDING MAY BE REQ'D)

WALK-IN PANTRY

10'0"x10'0"

BATH

STOP & DROP

KITCHEN/ BREAKFAST

W

OPT. UPPERS

14'0"x15'0"

F

FLUSH BREAKFAST BAR

UP

BEDROOM 2 10'0"x12'0"

HIGH LEVEL WINDOW

FINISHED LOWER FOYER

SLOPED KNEEWALL

W

OPT. UPPERS

GREAT ROOM

GAS FIREPLACE

WINDOW WELL WHERE REQUIRED

BY GRADE

D

OPT. LAUNDRY TUB T

PATIO DOOR

HIGH LEVEL WINDOW

UNFINISHED BASEMENT

The owner’s retreat is a serene space with private ensuite.

LAUNDRY

DOUBLE HANGING

13'6"x13'0"

HIGH LEVEL WINDOW

PATIO DOOR

ENSUITE

Here’s a great option for those looking for an affordable home in the wonderful setting of W.I.C. W.I.C. Lakepointe by Chestermere Lake. Our completely LAUNDRY new Bungalow design offers all of the convenience BEDROOM 2 and design amenities you’ll find in our 2-Storey Lakepointe homes at a very attractive price.

OWNER'S RETREAT

S

UNEXCAVATED

14'0"x10'0"

STOP & DROP

DOOR IF GRADE PERMITS (LANDING MAY BE REQ'D)

F

Airport

PANTRY

19'0"x20'6"(24'2")

GARAGE

19'0"x20'6"(24'2")

DINING ROOM

Double car garage with indoor entrance to mud room.

FOYER

Trans-Canada or 1 6th

FLEX ROOM

9'4"(10'0")x11'0"

9'4"(10'0")x12'6"

10 mins.

To Calgary

GARAGE

FOYER

PORCH

PORCH INSET STEP(S) IF REQ'D

Friendly front porch to say 'hello' To Neighbours.

MAIN FLOOR PLAN

The Birmingham Plan, 1,599 Sq.Ft.

Paradise Road

Spacious great room for large and small gatherings.

OWNER'S RETREAT

LINEN

OPT. DOUBLE SINKS

DROPPED CEILING

3 BEDROOM PLAN W/FLEX ROOM

WINDOW WELL WHERE REQUIRED

BY GRADE

Ave .

West P Driveark

Sales Centre

17th Ave. INSET STEP(S) IF REQ'D

400 West Park Drive Chestermere, Alberta Opt Main Floor Plan

Chestermere Lake

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

visit us on facebook facebook.com/mattamyhomesyyc All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E. These prices include the lot, the home and GST. There are no condo fees on any Mattamy home.

Calgary_New Home Guide_Dec 1.indd 1 002-Mattamy 12-07-12.indd 2

28/11/12 10:27 AM 11/29/12 5:04:09 PM

in SE Calgary

ew showhomes n o w t r u Visit o New Brighton! n i n e p o now starting from

$

415

*Pricing includes house, lot and GST. Subject to change without notice.

ANDORRA II | 2054 sq. ft. main: 929 sq. ft. second: 1125 sq. ft.

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CONVENIENT LOCATION & AMENITIES • extensive pathway system • parks and green space • Residential Club features recreational facilities all year around • close to major shopping

CALGARY

N

130th Avenue SE

New Brighton Showhomes

SE

52 St SE

e Towne

McKenzi

New Brig hton D rive

Blvd SE ighton Drive S E New Br

shanehomes.com

Showhome Addresses: 815 New Brighton Drive SE, Calgary 819 New Brighton Drive SE, Calgary Deerfoot Trail South to exit 238 to 130 Avenue heading East. Make right hand turn heading south on 52nd Street SE. First left onto New Brighton Drive, and continue heading east and follow the showhome signs.

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

For more info call Ron

403-536-2307

Featuring the Andorra II & Fiesta II Showhomes

Change your point of view.

Built for real life.

CaRDELHOMES.COM 04

Estate-style living for less than you’d expect.

Symons Valley Pkw y N W

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exclusive Cardel neighbourhood.

Creekside Shopping Centre

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Not to mention fully landscaped estate-style homes in an

MODEL HOMES

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Prices subject to change without notice. E&OE.

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$

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Symons Valley and easy access to shops, parks and pathways.

Panorama Rd NW

The northwest haven of Evansview offers panoramic views of

WaLk-Out RiDgE LOtS

nOW SELLing OVER 40% SOLD

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Model Homes: 8 Evansview Manor nW

Call Jon Mortier at 403.256.7902 Sales Centre Hours: Mon – Thurs: 2 pm – 8 pm Sat, Sun + Holidays: 12 pm – 5 pm Closed Fridays 05

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 apartments.

This is your exclusive opportunity to establish your property as the pinnacle of affluent living.

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Y R U X U L october

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TO BOOK YOUR ADVERTISING SPACE CONTACT: PM

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403.200.8462

melanie.gowans@wall2wallmedia.com

Nov2212_BrandAd_FullPge_Final.pdf

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12-11-23

9:29 AM

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contents DEC 7, 2012 - JAN 4, 2013

||

PAGE 24

VOLUME 15 ISSUE 13

Entertaining holiday style

cover story Prominent Homes

CRAFTS LUXURY BUNGALOW IN HAWK’S LANDING: PAGE 12

features & editorials IN EVERY ISSUE

HOMEBUYERS’ HELP

10

12

EDITOR’S NOTE

COLUMNISTS

14

THE HOMEBUYING PROCESS

Making the move in time for Christmas

by Donna Moore

44

INSIGHT

Launch your landscape project

by Brad Jackman

50

MORTGAGE MOGUL

Why use a mortgage broker?

by Jason Eldridge

COVER STORY

Prominent Homes crafts luxury bungalow in Hawk’s Landing

by Heather Ryan

24

Entertaining, holiday style GIFT GUIDE

2012 Gift Guide – gifts from the heart

by Silvana Longo

SHOWHOME REVIEW

Shane Homes’ Fiesta II: a hit with buyers in Hillcrest

by Heather Ryan

42

DESIGNER TOUCH

by Erica Gelman

30

38

47

GETTING YOUR FINANCES IN ORDER

Housing affordability and the one-third rule HOMEBUYERS’ RESOURCE SECTION

Mortgage calculator and rate table

vice-president, wall2wall media

Jacqueline Hill

director of sales, western canada

Josh Heppner

editor-in-chief, real estate

Susan Legge art director

Julie Yoo editor

Wayne Karl contributing editors

38

Janine Druery Elisa Krovblit Silvana Longo Lydia McNutt (on leave) Sara Duck (on leave) CONSULTANT

Melanie Gowans

44

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

PRODUCTION CO-ORDINATOR

Greg Van Sluytman Graphic designer

Alexander Yakubovich 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

district maps 15

HIGH RIVER TURNER VALLEY BLACK DIAMOND

17

Northeast

21 Okotoks 23

southwest

27

CHESTE RMERE LANGDON STRATHMORE

29

northwest

37

airdrie

41

southeast

46

Cochrane

14

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

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

Copyright 2012 All rights reserved by New

Home Guide, Toronto, Ontario, Canada.

Reproduction in any form is prohibited.

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

Terms Advertisers,

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

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

editor’snote

Let lifestyle be your guide

Big or small, your home is your retreat

W

hether you’re considering a home near the beach, a golf course or a city pied-à-terre, you’re likely looking to compensate for what you don’t have in your current residence.

The amount of living space is usually the issue – either too much or too little.

Most young families are looking for more living space, which is why builders are designing homes with interiors that maximize every square foot of living space to make the most of your money.

As we get older, the quest for living space may take a different direction.

Downsizing is often the answer, and many homeowners with existing homes in suburban or rural areas are acquiring townhomes or pied-à-terres in the city. An urban location gives owners (and their friends) a chance to enjoy the social and cultural activities of the city without having to drive for hours to get home.

In today’s hectic world, your new home will be your retreat, so it’s important to find a space that suits your lifestyle. In this issue, we profile several new communities which offer the perfect place to put up your feet – plus we have the latest industry news and informative features about buying and owning a new home.

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

How does Calgary measure up?

Quite well, thank you very much, especially when looking at the long term

A

t the recent cross-country series of Housing Outlook Conferences presented by Canada Mortgage and Housing Corp. (CMHC), with a stop in Calgary in late November, a central theme was discussed: How does Calgary measure up?

As one of Canada’s healthiest housing markets, Calgary is an interesting study.

CMHC analysts used local data to provide an honest assessment.

“Supported by low mortgage rates, strong job growth and a sharp increase in net migration, demand for new homes in Calgary will remain elevated over the next two years,” says Richard Cho, CMHC’s senior market analyst for Calgary.

Housing starts in Calgary are forecast to increase 33 per cent to 12,400 units for 2012, before moderating slightly to 11,900 units in 2013, CMHC says. Starts in single-detached homes will rise about 3.5 per cent in 2013, while starts in multi-family homes will slow. Meanwhile, employment growth is among the best in Canada – 2.9 per cent in 2011, 3.2 per cent for 2012 and 2.3 per cent in 2013.

If you’ve been reading New Home Guide in recent weeks, or otherwise following news and developments in real estate, such numbers likely won’t surprise you. Some short-term challenges aside, the fundamentals that support the Calgary housing market – strong economy, employment and immigration growth among them – are solid. Combine that with continuing low interest rates and regional markets that are proven performers, and...

How does Calgary measure up? Over the long term, quite well, thank you very much.

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

10 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

Startnew something

with comfort

Comfort is having a little more wiggle room My how they’ve grown. They’ll need their own space soon. And the clothes, toys and bikes....

Wiggle Room. Affordable space. Genesis has plenty of it with many options available to you and your growing family. Choose from our wide selection of models or have our design team customize one to suit your needs.

Genesis Builders Group understands your needs. We’re building on years of experience providing exceptional craftsmanship and innovation in function and style.

Embrace the home building process with confidence in your builder - one with experience and knowledge of building exclusively in the communities of north Calgary and Airdrie.

Nanny suite? No problem. Extended family? How about a legal basement suite to ensure everyone’s comfort?

Visit our website for more information on how we build comfort into your Genesis home.

Start something new with Genesis GenesisBuildersGroup.com

Sage Meadows | Saddlestone | EvansRidge | Sherwood | Bayside in Airdrie | It’s good to be home 11

gbg1276 Start New Comfort NHG_FA.indd 1

12-08-01 1:39 PM

coverstory

Prominent Homes crafts luxury bungalow in Hawk’s Landing

fireplace surrounded in slate tile from floor to ceiling that complements the richlytoned hardwood floor. Prominent has also added a fabulous 11-ft. drop bulkhead ceiling to further enhance and define the space, creating a spacious but cosy feel.

The fireplace also acts as a subtle separation between the Great Room and the huge dining room that is made bright by

by Heather Ryan multiple windows and french doors leading to the impressive back deck the spans the entire length of the home.

Everything you’ve ever desired in your luxury Homeowners will savour the gourmet dream home comes true in Prominent Homes’ newest estate kitchen that has a huge granite-topped bungalow, the Avastar II, in Hawk’s Landing in Priddis. island, brick-look backsplash and high-end This magnificent 2,235-sq.-ft. spec home that includes stainless steel appliances, including builtmore than 1,800 sq. ft. of developed space in the walkout in wall oven with microwave above and basement will wow you from the moment you drive up and five-burner gas cook top. see the gorgeous exterior, with its beautiful stone work sur“The kitchen has an incredible amount rounding a steep sloped, sheltered entry. of pots and pans drawers and cabinets inInside, the peaked roof creates a grand foyer with high vault cluding a built-in wine rack and multiple ceiling and “an open floorplan so you have a view from the front glass front cabinets. Plus, there is a walkentry, past the sweeping staircase and into the Great Room,” through pantry, so if you need plenty of says Ralph Smith, vice-president of sales and marketing. space for storage, you’ll definitely have it The Great Room is made inviting by a massive two-way in this home,” Smith says.

12 New home Guide | dec 7, 2012 - jan 4, 2013

You’ll feel totally pampered in the spacious master suite that provides generous room for your king-size furniture, a separate entry onto the rear deck, a decorative bulkhead ceiling and an elegant tiled feature wall that includes a two-way gas fireplace and built-in bookcase.

The ensuite exudes luxury with the shared fireplace above a free-standing, deep soaker tub, large separate shower and long vanity with his and hers sinks. “A skylight lets in plenty of natural light and we added in-floor heating so even though there is an abundance of tile in the ensuite it will always be warm,” Smith says. Completing the ensuite is an enormous walk-in closet with a built-in drawer unit and shelving unit.

The main floor, which features 10-ft. ceilings, also has a three-piece bath, a den by the front entry and laundry room by the mudroom that leads into the triple car garage and workshop.

Going down the spiral staircase, you’ll be greeted by an impressive rec room, games room and wet bar that includes a large built-in wine rack, and French doors

off the games area opening onto a concrete patio. There is also a media room, two additional bedrooms and full bathroom in the lower level.

“The rear of the home is as attractive as the front, with the gable roof and covered area on the deck. It’s absolutely beautiful sitting on the back deck and enjoying the natural setting; the trees are lovely and we often see deer,” Smith says. “It’s very peaceful, totally relaxing.

“This is an ideal home for empty nesters whose kids are grown and can now enjoy everything they always wanted,” he says. “This is where you can indulge yourself.”

For more about this bungalow, visit prominenthomes.ca under quick possessions for Hawk’s Landing and view the floorplan and front elevation. For a viewing of the home, call 403.338.1313 for an appointment.

dec 7, 2012 - jan 4, 2013 | New home Guide 13

thehomebuyingprocess

Making the move in time for Christmas

by Donna Moore

Calgarians who bought their new

home earlier this year will likely be anxiously waiting for the finishing touches to be complete so they can move in for Christmas.

Planning a move at Christmas is one of the most difficult times of year, because not only do you have the festive season to prepare for, there is the added pressure of unpacking and ensuring the home is ready for you and your family. And a move during the holidays can be especially confusing for young children, who worry about whether Santa can find their new address or if he can fit down the chimney (if you even have one). So you’ll need to take the time to tell them that all will be well. Keep up traditions such as putting out milk and cookies for that jolly old elf to reassure them.

Once you’ve gone through the final inspection with your builder and have taken possession of the keys, the race to get into your new home begins. At this time of year when you’re already facing the chaos of Christmas, it’s often best to get professional movers to help you rather than tackling the job yourself or enlisting the help of friends and family – who are also likely facing their own festive pressures. You can even hire the pros to help with the packing and unpacking chores to lessen your load.

14 New home Guide | dec 7, 2012 - jan 4, 2013

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

When you’re packing at your old place, it’s a good idea to make sure your Christmas decorations are packed together and clearly marked so they are easily accessible when you get to your new home. This way you might not have time to unpack everything before the big day, but at least the new place will be decorated with festive cheer.

If this is your first home and you don’t have decorations, or can’t locate the old ones, don’t fret. It doesn’t take a lot to make the home look festive by hanging a wreath on the front door and putting up a tree – even if it’s a small one. Several stores sell trees that are already decorated or at least have lights and they’ll do in a pinch – next year you can get a real tree or a bigger artificial one that better suits your family’s traditions.

There’s also a lot to be said for buying all new decorations – it’s a new home so why not go with a new look.

Adding a few festive scent candles, hanging up the stockings and playing some Christmas music are a few easy ways to make the new abode seem more festive and comfortable.

Entertaining during the holiday season with stacks of boxes still to unpack may be daunting, but it also doesn’t have to be elaborate.

Have some egg nog or other festive cheer on hand, serve a simple tray of cheese and crackers and/or veggies and dip and you have the makings of a party that will toast a new home and a new year.

It’s also easy to agonize over cooking the traditional Christmas meal when your dishes still need unpacking and you can’t find your favourite roasting pan. Rather than stress yourself over how you’re going to get it done, consider ordering in a festive meal, or having take out. You can still make the table festive with candles and a colourful paper tablecloth and napkins – remember it’s the people you’re with that make the day special, not what’s for dinner. Alternatively, you can ask another relative to host the Christmas dinner – that would take all the pressure off trying to put something together.

Moving in at Christmas time also gives you a chance to start some new traditions and celebrate a new beginning in your new home. Take the time to record the event so you have lasting memories of your new home – one that you and your family will enjoy for years to come.

Merry Christmas!

›› calgaryregionsouth 1A

2

COCHRANE

STRATHMORE

1

1

CALGARY

CHESTERMERE 797 LANGDON

22X

22X

PRIDDIS

TURNER VALLEY

HERITAGE POINTE

BLACK DIAMOND OKOTOKS

2A

543 22

high river highwood lake

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

hampton Hills

BUILDERS: WestView Builders

montrose

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

priddis hawks landing

2

HIGH RIVER

Black Diamond riverwood

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

riverwood estates

BUILDERS: Compass Rose Homes, Sheep River Homes

Heritage pointe the ranch at heritage pointe

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

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

dec 7, 2012 - jan 4, 2013 | New home Guide 15

It’s all Included.

Everything you want for only $1,630/month!** The time to move up is now.

REDSTONE

TheEVOQUE

2,020 sq.ft.

THE EVOQUE - LIVING/DINING ROOM REDSTONE SHOWHOME

It’s ALL included. Hardwood, tile, granite counter tops, rear deck, blinds, stainless steel kitchen appliances, washer and dryer, a gas fireplace... the list goes on!

AT INNOVATIONS BY JAYMAN, A FULL SPECTRUM OF CHOICE IS JUST THE BEGINNING. NOBODY GIVES YOU MORE INCLUDED VALUE: Online Warranty Service Program  Jayman Realty  styleMagic  WenDi Interiors  Complimentary Moving Van

THE EVOQUE MODEL STARTING FROM REDSTONE, CALGARY 12 & 16 Redstone Park NE

$431,098*

Phone: (587) 351-5361

SHOWHOME HOURS: Mon - Thu: 2-8 pm Sat, Sun & Hol: 12-5 pm Closed on Fri

InnovationsByJayman.com is based on the Evoque model with inclusions and GST in the community of Redstone only. Pricing may besubject to change without notice. Specific models only. See sales centre for details.

16 *Price ** Mortgage payment based on 5 year term at 2.99% arranged through Jayman Financial. Terms and conditions will apply, E&O.E. 20% down payment, 25 year amortization. Rates subject to change without notice.

IBJ-RED-NHBG-FP-10.24.12.indd 1

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PANORAMA ROAD

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FALCON RIDGE

SHA

CALGARY INTERNATIONAL AIRPORT NOSE HILL PARK

N

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COUNTRY HILLS BLVD.

COUNTRY HILLS BLVD.

OH

4 52 STREET

HARVEST HILLS

METIS TRAIL

STONEY TRAIL

36 STREET

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES

16 AVENUE

16 AVENUE

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

01 SADDLESTONE

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

BUILDERS: Genesis Builders Group www.genesisbuildersgroup.com

02 SADDLEBROOK

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

03 SKYVIEW RANCH

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

04 REDSTONE

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

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 17

The first consumer home show of the year!

With a new year revving up, homeowners start their annual ‘first of the year’ search for new home products and ideas, and know that it’s important to ‘get crackin’ on it to get the products and contractors they need, when they need them.

And that’s what HOMEXPO delivers!

Suppliers, contractors and builders, all under one roof for three days. And FREE PARKING for the first 300 cars!

Don’t miss our live presentation stage featuring designer and star of ‘Love It or List It’ on the W Network,

Ms

Hilary Farr

7:30pm FRIDAY SATURDAY 1:30pm

Kitchen and Bath renovator, John Sillaots is making his annual return to answer the never ending questions about the most important areas of the home – the kitchen and the bathroom!

JANUARY 11 - 13, 2013 BMO CENTRE, STAMPEDE PARK

FIRST

300 VEHICLES

PARK FREE! ALL THREE DAYS!

John Sillaots 18

Kitchen and bath specialist

HOURS Friday Noon - 9:00pm

Saturday 10am - 8:00pm

ADMISSION Adults (18+) $12 Seniors/Youth $10 Children (12 and under) FREE

Sunday 10am - 5pm

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

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

HOMES FROM THE $300s AND THE $500s LIFESTYLE HOMES | PROMINENT HOMES | SHANE HOMES | STERLING HOMES

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

WWW.UNITEDCOMMUNITIES.COM 20

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

See ad of a particular project for more details.

338 AVE. E. OKOTOKS AIR RANCH

2A YSTAL S ISTER CR HORES GATE

NO RT HR

ID GE D

R.

BANN

49

8

549

CRYSTAL RIDGE GOLF CLUB

1 7

MILLIGAN DR.

OKOTOKS

3 32 ST. E.

2A

WEST

370 AVE. E.

SHOWHOMES: Ranch Rd. DEVELOPER: WestView Builders BUILDERS: WestView Builders, Baywest Homes

02 CIMARRON

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

03 DRAKE LANDING

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

32 ST. E.

WESTLAND ST.

01 AIR RANCHES

RON TRAIL

AR M CI CIMA

2N BLVD.

O RR

2A

6 4

SOUTHRIDGE DR.

WESTLAND ST.

5

D R.

CIMARRON B LVD .

RI

DG E

7

2A

04 WESTMOUNT

SHOWHOMES: Westland Street DEVELOPER: Prominence Development Corp.

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

05 EAGLE CREST

SHOWHOMES: Directly behind Westmount DEVELOPER: Prominence Development Corp.

BUILDERS: Carpenter Homes

07 CRYSTAL RIDGE

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

08 MOUNTAINVIEW

(NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Limited Partnership BUILDERS: Excel Homes, Sterling Homes

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

visitdrakelanding.com DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 21

askanexpert

Q&A

ASK AN EXPERT: by HEATHER RYAN

Decorating your home for the holiday season Q: Do you have any tips for decorating my home for the holiday season?

A: “I love the Christmas season and decorating for the holidays,” says Kal Macdonald, interior designer for Shane Homes and Creations by Shane Homes. “Putting in a little effort can go a long way to create a feeling of joy and celebration in your home.

“There are a number of simple things you can do besides having a Christmas tree, like adding a poinsettia. Both are very nice for this time of year,” he says.

Wreathes – artificial or natural – are a perfect symbol of Christmas and they aren’t just for the front door, he says. You can hang them in the front entry, above a fireplace, on the chimney above the hood fan in the kitchen or lay them flat and place candles in the middle and use them as a centrepiece for your table.

“I also love to add fresh pine boughs and garland to my decorating because they smell so great at Christmas,” Macdonald says, but you can also add scented candles and potpourri.

Macdonald suggests picking a style or colour theme for Christmas and carrying it throughout the home whether it’s traditional red, white and green, or a more modern colour – “we’re seeing turquoise and black this year and it looks great if you have a very modern look.”

On the fireplace mantle, add hurricane lamps, garland or a glass vase filled with Christmas balls that match your colour theme. Of course, he says, hanging stockings from the mantle is a Christmas tradition, and “you can turn it into a fun project to do with the kids by buying plain stockings and decorating them together.”

Some other fun and inexpensive activities to do with the kids include making construction paper chains and stringing popcorn that can then be used to decorate the Christmas tree.

And don’t forget the outside, Macdonald says. “Decorate the trees in your yard with large scale ornaments and lights and dress up the front porch with a Christmas mat, a wreath and fill empty flower pots with willow branches and pine boughs.”

ESTATE VIEW LOTS FOR SALE - ONLY 8 REMAINING BUILD YOUR DREAM HOME ON A RIDGE LOT WITH SPECTACULAR VIEWS BACKING ONTO OVER 100 ACRES OF NATURAL PARK

403.606.4745 www.couleewayestates.com • Walkout view lots • Spectacular Views • Estate Architectural Controls • 15 minutes to downtown

22 New home Guide | dec 7, 2012 - jan 4, 2013

OLD

16

AV

EN

UE

8 9

BAN

FF

CENTRE STR

7

14 STREET

ST

ON

EY

TR

AIL

NW

›› SOUTHWESTCOMMUNITIES COACH ROAD

04 SILVERADO

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

16 AVENUE

5 BOW TRAIL

ORI

14

2

07 CRESTMONT

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

08 PASKAPOO IN COUGAR RIDGE

DEVELOPER: Apex Limited Partnership BUILDERS: Excel Homes and Shane Homes

MACLEOAD TRAIL

SOUTHLAND DRIVE

09 COULEE WAY ESTATES

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

BOTTOM TR

24 STREET

ANDERSON ROAD

FISH CREEK PARK MCKEVITT JAMES

FISH CREEK BLVD

MA CLE

12 SEQUOIA IN SILVERADO

SHERIFF KING STREET

IL

TRA

S PRUCE MEADOWS HWAY

D

OA

01 EVERGREEN

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

02 CURRIE BARRACKS

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

03 MONTREUX

SHOWHOMES: Tremblant Way DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Cardel Homes

ES OM N H W E OP SHO

W NO

DEVELOPER: Dundee Developments BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Calbridge Homes, Greenboro Homes BUILDERS: Westview Builders, Winwood Homes Showhomes Coming Soon www.elmontbay.com

162 AVENUE

12 4 13

10 CASTLE KEEP

11 ELMONT BAY

SHAWNESSY BLVD.

ET

37 STRE

1

SHOWHOMES: 80 Westpark Court SW DEVELOPER: Dundee Developments BUILDER: Homes by Avi, Lifestyle Homes, Greenboro Homes, Prominent Homes SHOWHOMES: 16 Spring Valley Land SW BUILDERS: Tudor, Legend Developments, Elegant

GLENMORE RESERVOIR

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

See ad of a particular project for more details.

05 WESTPARK

06 SPRING VALLEY ESTATES

BLACK FOOT TRAIL

6

11

ELBOW DRIVE

17 AVENUE

17 AVENUE

37 STREET

3

MEM

15

SARCEE TRAIL

17

69 STREET

10 14 AVENUE SW

85 STREET

16

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

13 DRESSAGE IN SILVERADO

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

14 WESTLAND ESTATES

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

15 WENTWORTH ESTATES BUILDERS: Prominent Homes

16 WEST GROVE ESTATES

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

17 ASPENSHIRE

BUILDERS: Prominent Homes

EVERYTHING ELSE IS

DOWNHILL FROM HERE. Visit www.PaskapooAtCougarRidge.com

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 23

designertouch

Entertaining

holiday style

by erica gelman

It’s that time of the year – friends are gathering, family is arriving,

the food is cooking, the presents are stacking and you are hosting a highly anticipated holiday event. In our house, the holiday party is a not-to-miss affair, I take this season very seriously and expect nothing less from my guests. It’s the one time of the year where everyone clears their schedules and unites together.

Much like interior decorating, we suggest planning your holiday décor in advance. Decorating for the holidays goes beyond just dressing your tree and hanging the lights. It also means setting your holiday table, decorating your entrance and creating a festive atmosphere around your house, especially if you are expecting guests. Prepare yourself for the amount of guests, the length of their stay and how many events you’ll be hosting. If you’re not hosting but rather attending, you still may want to make your home look and feel festive. The same

principles apply to decorating your home day-to-day as they do to decorating your home for the holidays. The most important rule of design is consistency. Allow your holiday décor to reflect, in this case, a new season and embrace the spirit of the holidays.

Start with a theme. Usually, I would say to stay away from any themed décor however, when it comes to the holidays I say, “Go wild!” Generally there is an excitement when it comes to the holidays and when entertaining I like to bring that excitement out in the details. For luxurious touches, what screams luxe more than glitzy gold or shimmering silver?

You can add silver-rimmed wine or champagne glasses accompanied with gold leaf charge plates at the dinner table. This year – we would suggest mixing your metals similar to what we are seeing in fashion, you don’t just have to choose one. Want to try a new spin on traditional hues? You can incorporate royal jewel tones like emerald green and deep amethyst with silver accents and create your own classic design. However, if it’s fresh and modern décor you’re ready to implement, try black and white punctuated with crystal accessories or gold finishes. Incorporate things that are simple with something somewhat special. It

could be your grandmother’s antique china mixed in with modern flatware, or historic family ornaments decorated in new apothecary glass vases.

When it comes to tabletop décor, a real statement comes from adding volume and height with various vignettes. If you want to leave your dining table strictly for tableware then decorate around the room or on the buffet table. You can add one large centrepiece in the middle and several smaller ones around the room or across the table. While flowers are typically thought of as common centrepieces, we like to add contemporary details like birch trees cut down to size, faux antlers, lots of candles and even fur throws on dining seats.

Whether it’s Christmas, Chanukah or New Year’s Eve – be sure to deck your halls, dress your mantle, accessorize your tree, and set your tabletop.

Erica Gelman Erica Gelman is Principal of Erica Gelman House Of Design.

Specializes in both large and small scale residential design projects.

Known for enhancing and creating new possibilities in every space of your home. House Of Design • ericagelman.com

dec 7, 2012 - jan 4, 2013 | New home Guide 25

INVEST IN DURABILITY Durability is probably the most overlooked trait of a home. Products that last a long time minimize waste in our landfills and save you money. If you are more concerned about getting the most square footage for your dollar today, you are likely costing yourself a lot more money in the long run. I see quite a few builders offering homes in this category. I can’t blame the builder totally—if people didn’t buy the product, builders wouldn’t produce it. All I can do is show you why this isn’t necessarily the best way to buy a home.

Consider the following scenario: You are looking for a home in the 2000 square foot range. You have been to many showhomes and have seen a few nice layouts that would work for your family. Most of the homes have durable features: hardwood/tile floors, heavier baseboards and trims, good quality kitchen cabinets and appliances, durable exterior finishes, and (of course) some energy saving items. Then you see another home.

This home is 2200 square feet! The builder has finished the home with a lower quality package than the others but it’s still acceptable: carpet/linoleum floors, small/ thin baseboards and trims, lower quality cabinets and appliances, exteriors meeting minimum code standards, and no energy saving items to speak of. This home is the same price as the others, maybe even a bit less! Sounds like a deal doesn’t it? Let’s look a bit deeper.

Fast forward seven years—this is the average time a family spends in a home. The first group of homes still show well. Your hardwood may have a few character marks, but is still in good shape. Your baseboard and trims have survived the rigor of a busy family life very well. Appliances are out of warranty but have worked without fail and have many years of service ahead of them. Kitchen cabinets and components are still in good shape. The exterior looks as good as the day you moved in and the energy saving items are still saving you money.

The larger home may not have fared so well. At seven

years, carpet is looking a little worn in the high traffic areas and the linoleum has a few cuts and marks. The trims may need some replacing from the day-to-day family activities. Your appliances are occasionally needing repair. The hinges on your cabinet doors are sitting lop-sided and your drawers don’t slide as well as they used to. The exterior still looks presentable, but could use a little touching up, and you don’t have any energy saving features to speak of.

At this point, if you want to sell your home, you have two options: renovate before you sell or sell as is. If you renovate, you will spend more money than you can hope recover in the sale price. If you sell as is, the buyer will look at what needs to be done, figure out the cost, add a percentage to it “just in case”, and make you an offer based on that. Either way you will not receive the best return on your investment.

The energy saving items are of importance only because of legislation being implemented across the country. This requires sellers to have their home Energy Rated to show what the operational cost of a home is compared to another. This exists in Ontario and Atlantic Canada and is on the books right here in Edmonton (see Edmonton’s Green Building Plan).

You’ve heard many times that your home is the largest investment you will make. Buying quality and durability is almost always a better long term strategy than buying quantity.

DAVE TURNBULL

Product Development Manager Landmark Group

To everyone who enjoys energy bills: We’re sorry.

26 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

›› calgaryregioneast CHESTERMERE chestermere

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

See ad of a particular project for more details.

2

E

4

1

1

CALGARY

CHESTERMERE 797

22X

shores on westmere kinniburgh

DEVELOPER: Isle of Mann BUILDERS: Beckmann Homes, Trendsetter Homes, Rythm Homes

22X HERITAGE POINTE

04 buffalo hills (coming soon)

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

2

BLACK DIAMOND

LAKEPOINTe

Developer: Mattamy Homes Builder: Mattamy Homes Sales centre 400 Westpark Dr.

OKOTOKS

LAGDON ODDFELLOW HALL

1 AV. N

RAILWAY AV.

2 AV. S

2 HANSON DR.

Developer: Hanson Park Developments Builders: Canaco Homes Ltd, Ovation Homes Ltd, Stepper Custom Homes Ltd, Douglas Homes

strathmore the ranch in strathmore

SHOWHOMES: 116-120 Ranch Gate 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

1 AV. S

lyalta

ULM ST.

McCANN ST.

CENTRE ST.

RAILWAY CR. RAILWAY AV.

CRILLY CL.

DOUGLAS AV. LLOYD CR.

2 AV. N

HANSON WAY

WENSTROM CR.

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

02 Hanson Park

WELSHIMER CR.

LANGDON PARK

WHITNEY ST.

NEWTON ST.

2 AV. N

COWAN ST.

MAIN STREET LAGDON VANDERVELDE PL.

COPELAND AV.

COPELAND AV.

WILSON RD.

BOTSFORD ST.

BARBER ST.

THOMAS ST.

LANGDON SCHOOL

ANDERSON AV.

HENDERSON CL.

HENDERSON BY. HENDERSON RD.

3 ST. E

BRANDER AV.

CENTRE ST.

MCDOUGALL ST.

NESBITT AV.

RAILWAY AV.

MOE AV.

1AV.

TRAIL HANSON HOLLOW

GLENMORE NESBITT CL.

BESSE AV.

McKINNON ST.

01 boulder creek

797

HIGH TRAIL RIVER

COLWELL ST.

560

langdon

2A

WILSON RD.

22

RGE RD 27

543

ARBOGAST ST.

VALLEY

DEVELOPER: Melcor BUILDERS: Landmark Homes, Lifestyle Homes, Reid Built Homes DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

LANGDON

IDDIS

westmere

STRATHMORE

3

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

1

03 the lakes of muirfield

SHOWHOMES: Muirfield Blvd.

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

dec 7, 2012 - jan 4, 2013 | New home Guide 27

showhomes now open

Experience the most distinctive estate living in Calgary, complete with majestic views and oversized, fully serviced lots. Home and Lot starting at $1 Million.

Only 20 minutes from downtown Calgary and the airport, 5 minutes to LRT Showhomes open Mon – Thurs 2-8pm, Sat & Sun 12-5pm, Closed Fridays.

Visit EstateLivingAtWatermark.com or contact our showhome builders.

albi homes

albihomes.com 587.351.7373

28

astoria custom homes astoriahomes.ca 403.208.1488

homes by us homesbyus.ca 403.477.7178

trickle creek custom homes tricklecreekhomes.ca 403.608.4219

wolf custom homes wolfcustomhomes.ca 403.874.9511

rth

NEY TRAIL TO

RV HA

1

SAR C

HILLS BLVD. BE

DD

DT RA IL

HN

LA UR

IE

NOSE HILL PARK

10 SAGE MEADOWS

16 AVENUE

85 STREET

37 STREET

SARCEE TRAIL

69 STREET

04 SAGE HILL

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

02 ROYAL OAK Showhomes: Hidden Creek Blvd. NW DEVELOPER:Developer: Birchwood Properties 05 NOLAN HILL:Showhomes now open Cedarglen Homes | Cardel Homes esis Land Development Corp. | SHOWHOMES: Evanspark Circle NW DEVELOPER: Qualico BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

DEVELOPER: Melcor BUILDERS: Shane Homes, Reid Built Homes and Landmark Homes

12 BEARSPAW WILLOW CREEK

DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Knightsbridge, Trickle Creek Homes, Homes by Us, Wolf Custom Homes WWW.WATERMARKATBEARSPAW.COM

17 AVENUE

5 Kinkora Glen Rd. NW

BUILDERS: Birchwood Properties x Developments Builders: Genstar on Homes | Majestic Homes | 03 EVANSTON Homes | Centrex Homes

11 VALLEY POINTE ESTATES

13 WATERMARK AT BEARSPAW

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

17 AVENUE See ad of a particular project for more details.

10 Hanson Ranch

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

BUILDERS: Genesis Builders Group, Passion Homes, Reid Built Homes, Today’s Homes WWW.GENESISBUILDERSGROUP.COM

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

BOW TRAIL

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

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

64 AV

BL VD .

ROAD

01 PANORAMA HILLS

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

TR SH AG ANNAPI

TR AIL

SA RC EE

ILL COACH

Y TRAI L

BANFF

JO

AVE NU E

STO NE

OL D

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

See ad of a particular project for more details.

CH IL

08 KINCORA

GT ON

CENTRE STREET

16

CR OW

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

09 EVANSVIEW

IN

14 STREET

11

NOS EH

YT

7

DR IV

RAIL

E

AI

L

07 TUSCANY HILLSIDE ESTATES

O

EST HILLS

S

3

EE

TRAIL

D

Y NTR COU

2

S TONE

12 COULEE MILE ROAD

PANORAMA ROAD

ROCKY RIDGE ROAD

WOODLAND ROAD

9 A

8

RO

BEARSPAW ROAD

EY

scany Estates Rise NW ma ark Homes | Albi Homes

13

SYMONS VALL

llside Estates

COUNTRY HILL S BLVD.

15 LV R ID16 GE D

14 10

AIL TR

gulf Cidex Homes/Intergulf Cidex

128 AVE.

6

AIL

erwood Crescent NW

12

4

PI AP

ghts

1A

5

AN AG SH

esis Development Corp. ic Homes

HW Y

144 AVE. NW

ROCKY B

28 Sherwood Blvd.

›› NORTHWESTCOMMUNITIES

DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Homes, Shane Homes, Sterling Homes, Today’s Homes, Trico Homes www.nolanhillunited.com

14 EVANSRIDGE

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

15 ROCK LAKE ESTATES

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

16 ROCKFORD ESTATES - TRAIL’S END

06 BEACON HEIGHTS

BUILDER: Jager Homes

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

The Perfect Place

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 29

2012giftguide

2012 GIFT GUIDE

GIFTS FROM THE HEART

Whether they dress up a home or make the world a better place, these gifts will help you spread the joy this holiday season. // by SILVANA LONGO

HOME SWEET HOME

01

02

03

04

05

06

08

07

09

01 Diptyque 6.5 ounce Candle, $82. VISIT HOLTRENFREW.COM 02 Lilac Linen Napkins, set of four, $24.50. Beaded Flower Napkin Ring, $4.50.

VISIT CHAPTERS-INDIGO.CA 03 Cuisipro Garnishing Grater, $29.99. VISIT CUISIPRO.COM 04 Unikko Tea Pot, $87. VISIT EQ3.COM 05 & 06 Vintage Cocktails, $50 & Perfect Start to your Day, Breakfast & Brunch, $19.95 VISIT ANTHROPOLOGIE.COM 07 Colanders, $24.99 each. VISIT TRUDEAU.CA 08 RuямДed Pie Dish, $49.99 (raspberry or yellow). VISIT EMILEHENRY.COM. 09 Chenille Throw, orange, $59. VISIT URBANBARN.COM

C O N T I N U E D O N PA G E 3 2 . . .

30 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

A Northwest Community

Perfect for children.

And their parents, grandparents, uncles and aunts.

Rear garage

E

vansRidge offers plenty of green space, and a wide range of homes at many price points, all with classic design and superior craftsmanship.

The choices are perfect for young couples, growing families and seniors.

Like every Dundee community, EvansRidge is created with forever in mind.

Avi Mix & Match • Calbridge Homes • Genesis Builders Group Homes by Avi • Innovations by Jayman • Landmark Homes Morrison/Discovery • Stepper Custom Homes • WestView Builders

N

EVANSPARK BLVD NW

SHOWHOMES EVANSTON DR NW

SY MO NS SYMONS VALLEY PARKWAY NW VA LL EY RO NW AD RAIL EY T NW STON

BE DD IN GT ON

New Showhomes Open Monday to Thursday – 2pm to 8pm Saturday, Sunday and holidays – noon to 5pm

$299,900 Front garage

$399,900 Walkouts

$515,000 Ridge Walkouts

$600,000

403.245.3515

TR AIL NW

LifeOnTheRidge.ca 31

CLIENT: FILE NAME: AD NAME: DUE DATE:

Evans Ridge DDRT 0576 EvansRidge 7.5x10.5 AD NewHomeBuyersGuide V03 20120816 Perfect for children. And parents, grandparents, uncles and aunts.

Aug 31, 2012

PUBLICATION: AD SIZE: AD SPECS: DESIGN/PRODUCT:

New Home Buyers Guide 7.5”w x 10.5”h 300 DPI, CMYK, HI-RES PDF PM

2012giftguide |

CONTINUED

FOR HIM

01

02

03

05

04

06

01 MasterCraft Stud Finder, $59.99. VISIT CANADIANTIRE.CA 02 Man Cave Hanging Sign, $24.99. VISIT CANADIANTIRE.CA 03 Stanley Fatmax 1/2-inch Impact Wrench, $149.99. VISIT CANADIANTIRE.CA 04 Dads are the Original Hipsters, $14.95. VISIT URBANBARN.COM 05 Private Label Men’s Terry Robe, $150. VISIT HOLTRENFREW.COM 06 Holt Renfrew Men’s Cashmere V-Neck, $240. VISIT HOLTRENFREW.COM

C O N T I N U E D O N PA G E 3 4 . . .

32 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

ACCESS FROM SARCEE TRAIL OPEN SOON! Discover old-world charm in Calgary’s northwest and tour 12 distinctive showhomes today.

Visit us online for updates to Sarcee Trail access.

144 AVENUE NW SYMONS VA L LE

BEACON HILL SHOPPING

TRAIL

LL S COUNT R Y HI

D. BLV

BE DD I

N TR ON GT

STONEY

nolanhillunited.com

RO AD

Y

AIL TR

NOLAN HILL

R PI T AP AN AG SH

CEE SAR

SAGE HILL

Shane Homes Sterling Homes Trico Homes Homes by Avi Morrison Homes Baywest Homes

Drake Landing • Forest Crowne • Nolan Hill • The Ranch • Sage Hill • Silverado

unitedcommunities.com

LANEd HOMES

from the $320s

FRONT ATTACHEd gARAgE HOMES

from the $400s to the $700s

2012giftguide |

CONTINUED

FOR HER

01

02

03

04

05

01 Return to TiямАany Heart Tag in RUBEDO on a sterling silver bracelet chain, $525. VISIT TIFFANY.COM 02 Marc by Marc Jacobs Makeup Case,$98. VISIT HOLTRENFREW.COM 03 Unstructured Suede Bag, red, $99.99. VISIT WINNERS.CA 04 Ruched Gloves, $24.97. VISIT SEARS.CA 05 Cara Double Teardrop Earrings, $35. VISIT HOLTRENFREW.COM 06 Echo Tech Neck Warmer, $52. VISIT HOLTRENFREW.COM

34 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

06

Higher Standard at No Extra Cost Genesis Builders has raised the bar.

Experience the exceptional value and craftsmanship of a Genesis home in EvansRidge. Our single family homes feature 9’ main floor, granite kitchen countertops, hardwood/tile/carpet, stainless steel kitchen appliances, 4 ¼” baseboards, 3 ¼” casings and much more.

Home, lot and GST starting at $340,000.

Visit our show home today and experience how the new standard is a higher standard with Genesis.

31 Evansridge Close NW Show Home Hours: Mon - Thurs: 2pm - 8pm / Friday: By appointment / Sat, Sun & Holidays: 12pm - 5pm Contact: 403.475.8162 / evansridge@genesisbuildersgroup.com

gb1061EvansNHG_Dec.indd 1

GenesisBuildersGroup.com

35

12-11-27 3:41 PM

MOVE-UPS FROM THE $380’s

STARTER HOMES FROM THE $290’s

If Frank Lloyd Wright lived in Airdrie, he’d live here.

The famous architect believed in building homes in harmony with people and their environment. Add in a reasonable budget and that’s the kind of home you’ll find in Ravenswood. So why choose a community that only offers shades of beige when you can have a home that’s alive with color for the same price. Visit Ravenswood today to see for yourself how you can get affordable homes without sacrificing style.

ravenswoodairdrie.ca Eight showhomes now open Monday through Thursday from 2pm to 8pm or Saturday, Sunday and holidays from noon to 5pm.

Broadview Homes (403.980.5600), McKee Homes (403.980.1092), NuVista Homes (403.980.9525) Pacesetter Homes (403.980.8625) CRESTMONT • EVANSTON • SILVERADO • THE HILL • RAVENSWOOD • REDSTONE COMING SOON - PAINTED SKY • DOUBLE CREEK QUALICOCOMMUNITIES.COM 36

›› airdriecommunities 01 bayside estates

3

7

VETERANS BLVD

VETERANS BLVD

1ST AVE

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

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

02 windsong

S HOWHOMES: Windsong Dr. DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 Reunion

EAST LAKE

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

NOSE CREEK

04 king’s heights

1 YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

9 2

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

See ad of a particular project for more details.

5

6 4

S HOWHOMES: Kings Height Blvd.

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

05 ravenswood

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

06 Coopers crossing

8

SHOWHOMES: Cooper’s Drive, Cooperstown Court DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Artigiano Developments, Canterra Custom Homes

07 williamstown

S HOWHOMES: Williamstown Green DEVELOPER: Vesta BUILDERS: Douglas Homes, Talisman Homes, Vesta

08 H illcrest

Developer: Apex Limited Partnership Builders: Excel Homes, Shane Homes, Trico Homes

09 P rairie Springs

Builders: Prominent Homes, McKee Homes

dec 7, 2012 - jan 4, 2013 | New home Guide 37

showhomereview

Shane Homes’ Fiesta II a hit with buyers in Hillcrest

by Heather Ryan

W

ith a range of exceptional standard features and numerous optional layouts to suit various needs, Shane Homes’ Fiesta II showhome in Hillcrest has become a hit with new homebuyers.

On parade in Hillcrest, the highest point in Airdrie, the 1,921-sq.-ft. Fiesta II showhome “is one of our most popular models and people say it feels much larger than it is,” says area manager Jeff Brodowski. “It’s a very familyoriented home with a good sized kitchen that you often see in much larger homes. It has a very functional design and the price point is perfect – starting in the $380,000s (including house, lot and taxes).

“People really love that there are so many different options available and that the design can be modified as well,” he says. “They also love the high end standard 38 New home Guide | dec 7, 2012 - jan 4, 2013

features such as granite in the kitchen and bathrooms and the openness of the floorplan, yet it still offers great conversational areas, so it’s perfect for entertaining.”

Stepping inside the Fiesta II the bright open foyer offers plenty of room to greet guests as well as space for a hall table or bench. Around the corner and down from the front entry, the great room is eye-catching thanks in part to a gorgeous angled fireplace that is surrounded in stone-look tiles that stretch from the hearth to the ceiling for an elegant look.

Across from the great room, you’ll want to devour the scrumptious kitchen that features a long level island as its focal point. The island provides substantial room for food prep and guests can pull up bar stools and socialize with the host. The kitchen also features granite countertops,

an abundance of cabinets, a built-in wine rack, glass a big screen TV and loads of shelves to house all your mosaic tile backsplash and stainless steel appliances. A electronic gear and more. The expansive room is a great door in the kitchen opens to a walk-through pantry, with place for kids to entertain friends or for the family to relax plenty of shelves for storage and leads and enjoy a movie night and there is to the garage entry. even additional room to place a desk Fiesta II “is one of Adjacent to the kitchen is a huge for a study area. our most popular dining nook that provides space have a vast selecmodels and people say tionHomebuyers for a large table and you can even of lots in phase two and phase it feels much larger expand the entertaining to the outthree, which includes mountain than it is.” doors through a single door to the views and greenspace. rear deck.

“There are bigger lots available Going upstairs to the left, the owners’ suite has room in these phases. We are building homes in Hillcrest for for a king-sized bed and a sitting area. The inviting ensuite a variety of homebuyers, from first-timers to move-up includes his and her sinks, corner soaker tub, oversized and estate buyers, so there is a great selection available,” walk-in shower, built-in makeup table and huge walk-in Brodowski says. closet.

Down the hall are two good sized rooms for the kids, Shane Homes also has the Tofino on its showhome parade the main full bathroom and double doors open to the in Hillcrest. The showhomes are open Monday to Thursday, upstairs laundry.

2 to 8 p.m., weekends and holidays, noon to 5 p.m. Call Jeff At the front of the home, you’ll be wowed by the Brodowski at 403.536.2316 for more information about bonus room that is highlighted by a fabulous wall-to-wall these showhomes and other models and lots available in built-in entertainment centre complete with space for Hillcrest, or visit shanehomes.com dec 7, 2012 - jan 4, 2013 | New home Guide 39

68 ST

14 ST

16 AVENUE

16 AVENUE

MEM OR

›› SOUTHEASTCOMMUNITIES 36 STREET

17 AVENUE

IVE DR

IAL

02 COPPERFIELD

9 DERSON ROAD

L

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6

7

Mc KENZIE

SHAWNESSY BLVD.

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8

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1 CRANSTON AVE. SE

SETON BLVD SE

4

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

See ad of a particular project for more details.

01 AUBURN BAY

8

SHOWHOMES: Auburn Shores Way SE & Auburn Springs Blvd SE, Auburn Bay Blvd. SE, Auburn Sound Manor SE, Auburn Bay Gardens DEVELOPER: Brookfield Residential BUILDERS: Brookfield Homes, Cardel Homes, Cedarglen Homes, Valley View Estates 9 LakeAlbiChaparral Baywest Homes, Jayman MasterBUILT, Homes, Morrison Homes, Discovery Homes, Inspire

by Jayman Developer: Carma Showhomes: Chapalla Point SE. www.liveauburnbay.ca

Builders: Cedarglen Homes

04 WALDEN

05 MAHOGANY

IL

TOM TR

24 STREET

DEE R

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

52 STREET

HLAND DRIVE

2 AVENUE

03 CRANSTON

GLENMORE TRAIL BARLOW TRAIL

MORE VOIR

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

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

TR

A IL

17 AVENUE

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

06 McKENZIE TOWNE

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

07 NEW BRIGHTON

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

by Jayman, Brookfield Homes www.livenewbrighton.ca

08 CHAPARRAL VALLEY

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

09 QUARRY PARK

SHOWHOMES: Quarry Landing SE, Quarry Parkway SE.

Lake Chaparral Dr. DEVELOPER: Remington Corporation BUILDERS: Cardel Homes Developer: Genstar Builders: Homes by Avi | Cedarglen Homes | Jayman MasterBUILT | Shane Homes

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 41

gettingyourfinancesinorder

HOUSING AFFORDABILITY

and the one-third rule BMO FINANCIAL GROUP HAS SOME

good advice for homebuyers looking to get their finances in order: Stick to the one-third rule when planning the purchase of a home.

When assessing whether a new home is fi nancially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than one-third of your total household income.

“If you can land safely within these parameters, then homeownership is an affordable and realistic option,” says Laura Parsons, mortgage expert, BMO Bank of Montreal.

Parsons added that Canadians looking to buy a home should choose a shorter amortization, which will save them thousands of dollars in interest over the life of the mortgage and ensure they can begin building equity in their home faster.

For those looking to buy a home, BMO suggests trying its mortgage calculator (bmo.com/calculators) to determine how much you can realistically afford.

When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than onethird of your total household income.

42 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

DEC 1, 2012 - JAN 12, 2013 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 42

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 43

insight

Launch your landscape project

by BRAD JACKMAN your project to be started in the spring. just after the holidays, landscaping might Custom woodwork is one of many be the furthest thing on your mind. Land- options to incorporate into your landscape. scape 360 would like to highlight a few Decks, pergolas, fences, retaining walls ideas homeowners can contemplate over can all be built a number of different ways. our long winter.

Like most aspects of landscape construcHiring a landscape contractor should tion, choosing the right material is key. be exciting and satisfying. However, this Your options include spruce, which can be can be a very discouraging time for some used for decks and fences but is a lower homeowners, unsure of where to begin, grade lumber and typically requires a solid what you want it to look like and who to or semi solid paint or stain. talk too. Have a plan. You can never call a Pressure treated spruce or pine – which company too early to plan for the following is chemically treated with wood preservaseason’s project. Many landscaping com- tives – is another great option. This propanies are limited in the number of jobs vides the lumber with protection from the they can do in a season. Having a plan and elements and provides greater longevity of beginning the process early can allow for your wood. Pressure treated lumber is excellent for retaining walls and fences.

Cedar is strongly recommended for Having a plan and beginning decks, pergolas and privacy screens/walls. the process early can It withstands our climate and has an exallow for your project to be traordinary natural beauty. Cedar needs started in the spring to be treated with stain or oil to prevent

IN THE MIDDLE OF WINTER AND

Landscape 360. Professional Landscape Construction.

44 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

The final result will fall between what you can plan and budget for and what your landscaper is capable of creating

the wood from turning grey. It requires more maintenance than your other options but the sacrifice we feel is worth it. You should expect to stain your cedar deck every other year depending on sun exposure, traffic, pets and usage.

Kayu is also an option for homeowners craving that high-end deck. It is an exotic hardwood that is used throughout the world on docks, ships and many high traffic areas. Kayu withstands all weather conditions and is a perfect complement to any landscape. Quality craftsmanship in woodwork is as important as the product you are choosing.

Many landscape companies do not address all aspects of landscaping. Find a 403.452.0360 | landscape360.ca |

landscape company that will complete the task from start to finish and handle any subcontracting required. Remember there are many different approaches to outdoor projects. The final result will fall between what you can plan and budget for and what your landscaper is capable of creating.

When deciding which landscape company to hire, it’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 which uses quality equipment, utilize the best products available and have it installed professionally.

like us on facebook dec 7, 2012 - jan 4, 2013 | New home Guide 45

›› COCHRANECOMMUNITIES RA

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02 JUMPING POUND RIDGE

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

RIVERV 42

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

RD

01 HERITAGE HILLS

E

NG

RA

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

See ad of a particular project for more details.

7

RIVER HEIGHTS DR.

SHOWHOMES: Monterra Link DEVELOPER: Medallion Development Corp.

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

06 WESTPOINTE ESTATES

SHOWHOMES: West Pointe Manor DEVELOPER: MGM Developments.

BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE

04 RIVERSONG

08 HEARTLAND

SHOWHOMES: River Heights Blvd., River Heights Cres.

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

4

05 MONTERRA ON COCHRANE LAKE

03 SUNSET RIDGE

SHOWHOMES: Ridge View Green Sunset Way DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Excel Homes

RIVERHEIGHTS RISE

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46 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

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

SHOWHOMES: Horse Creek Road DEVELOPER: Apex Developments BUILDERS: Excel Homes

.

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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

homebuyers’help

CALCULATE YOUR MORTGAGE PAYMENTS MORTGAGE PAYMENT CALCULATION CHART

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

INTEREST RATES %

AMORTIZATION PERIODS 5 YRS

10 YRS

15 YRS

20 YRS

25 YRS

5.00%

18.84

10.58

7.88

6.57

5.81

5.25%

18.96

10.70

8.00

6.70

5.95

5.50%

19.07

10.82

8.13

6.84

6.10

5.75%

19.18

10.94

8.26

6.98

6.25

6.00%

19.29

11.06

8.39

7.12

6.39

6.25%

19.41

11.18

8.53

7.26

6.54

6.50%

19.52

11.31

8.66

7.40

6.69

6.75%

19.63

11.43

8.79

7.54

6.85

7.00%

19.75

11.55

8.93

7.69

7.00

7.25%

19.86

11.68

9.06

7.83

7.15

7.50%

19.98

11.81

9.20

7.98

7.31

7.75%

20.09

11.93

9.34

8.13

7.47

8.00%

20.21

12.06

9.48

8.28

7.63

8.25%

20.32

12.19

9.62

8.43

7.79

FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM HOME

01

05

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

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

1,000.

02

06

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

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

03

07

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

This is the money you will have to borrow.

04

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

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

48 NEW HOME GUIDE | DEC 7, 2012 - JAN 4, 2013

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

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

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

MORTGAGE INTEREST RATES VARIABLE

MORTGAGE TYPES

6 month

1 year

2 years

3 years

4 years

5 years

-

4.650

3.040

3.200

3.240

3.340

3.490

ATB Financial

3.000

4.000

3.100

3.140

3.700

4.390

3.690

Bank of Montreal

3.100

4.000

3.100

3.140

3.700

4.640

5.240

Bank of Nova Scotia

3.100

4.550

3.650

3.890

3.990

4.390

4.990

BMO

3.100

4.000

3.100

3.140

3.700

4.640

5.240

-

-

3.240

3.390

3.250

3.570

3.250

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

CIBC Mortgages

3.200

4.450

3.100

3.290

3.700

4.390

5.240

MORTGAGE OPTIONS

Canadian Western Bank

3.200

4.000

3.100

3.140

3.700

4.640

5.240

Canadian Western Trust

3.200

4.000

3.100

3.140

3.700

4.640

5.240

Equitable Trust

-

-

3.100

3.140

3.700

4.640

5.240

First Calgary Financial

-

4.000

2.390

3.140

2.990

3.290

3.290

First National Financial

3.000

3.950

2.740

2.690

2.890

3.150

3.190

HSBC Bank Canada

3.100

4.450

3.600

3.950

4.450

4.990

5.240

-

-

2.990

-

3.190

-

3.190

ICICI Bank Canada

3.050

-

3.150

3.650

3.640

3.690

3.440

ING Direct

3.000

-

3.250

3.250

3.250

3.250

3.190

Investors Group Trust

3.000

4.000

3.100

3.140

3.700

4.640

5.240

London Life

3.000

4.000

3.100

3.140

3.700

4.640

5.240

Manulife Bank

3.000

4.450

3.000

3.100

3.150

3.150

2.950

Manulife Trust

-

4.450

3.000

3.100

3.150

3.150

2.950

National Bank

3.200

4.000

3.100

3.140

3.700

4.640

5.240

-

4.500

3.100

3.350

3.700

3.850

3.950

President’s Choice Fin’l

3.100

6.040

3.140

3.200

3.240

3.300

3.340

Royal Bank of Canada

3.200

4.000

3.100

3.140

3.650

4.640

5.240

-

4.000

3.100

3.140

3.700

4.390

5.240

3.200

4.000

3.000

3.140

3.700

4.640

5.240

-

-

3.150

3.250

3.350

3.390

3.440

AGF Trust

Bridgewater Bank

Home Trust Company

Peace Hills Trust

Servus Credit Union T-D Mortgage Your Neighbourhood C.U.

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.

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

Lenders may even customize these options to suit your needs.

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

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

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

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

Prepayment options are available but they are subject to conditions.

PORTABLE MORTGAGE: Flexibility if borrowers move.

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

PREPARED BY CANNEX ON NOVEMBER 12, 2012. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2012 CANNEX Financial Exchanges Limited. All rights reserved.

DEC 7, 2012 - JAN 4, 2013 | NEW HOME GUIDE 49

mortgagemogul

Why use a

mortgage broker?

by JASON ELDRIDGE For years, people wishing to purchase or

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

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

So, why should you contact a mortgage broker?

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

And the best part… it doesn’t cost you a thing. There is no charge for our service and no negotiation is required. Remember, even a quarter-point lower rate can save you thousands in interest over the course of your term.

50 New home Guide | dec 7, 2012 - jan 4, 2013

Secondly, you have more lenders and options to choose from. When you go to your bank, you have access only to their suite of mortgage products. Mortgage brokers have access to more than 30 lenders, including many of the chartered banks, so we have access to a vast array of mortgage options to suit your particular needs and goals. While there can be subtle differences, something such as better prepayment privileges may be a reason for choosing one institution over another.

Thirdly, mortgage brokers cater to your schedule, not the other way around. Don’t you enjoy the process of calling your bank and then you are told that they can’t see you for a week or so because they are already “booked up” with appointments? Mortgage brokers will meet with you where and when you prefer, or at the very least offer you the convenience of arranging your financing via phone, fax and/or email. Generally speaking, you can be pre-approved for mortgage financing the same day you apply.

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

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

Until next month…

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

Escape to Bayside in Airdrie

Another Uncommon Community

by Genesis Land

Year-round fun and adventure 8 Street SW

restaurant or hit the shops at CrossIron Mills. Here, the pace is a little slower and the cost is a little lower - making waterside living surprisingly affordable. With two new phases of this award-winning community now selling - it’s time you planned your escape to Bayside.

#2 Highway

Everything’s within reach at Bayside in Airdrie. Embrace the tranquility, enjoy dinner at a local

Waterside living without getting soaked.

Deerfoot Trail

Yankee Valley Blvd West SW Airdrie

PHASE 7

PHASE 9

SIDE BY SIDE / SINGLE FAMILY HOMES

SINGLE FAMILY HOMES

Genesis Builders

Sovereign Homes

Coco Homes

Genesis Builders

McKee Homes

Anni Jansson 403-980-3105 bayside@genesisbuildersgroup.com genesisbuildersgroup.com

Kevin D’Costa 403-980-1140 sales@sovereignhomes.ca sovereignhomes.ca

Greig Forsyth 403-980-3720 basyside@cocohomes.com cocohomes.com

Anni Jansson 403-980-3105 bayside@genesisbuildersgroup.com genesisbuildersgroup.com

Kellee Davis 403-975-0816 kelleedavis@shaw.ca mckeehomes.com

www.genesisland.com

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A whole new meaning to

“Home for the holidays” IM

NO MEDIAT W EP AV OSS AI

E LA SSIO BL NS E!

H

awk’s Landing at Priddis Greens is an exclusive estate community nestled in

the forested foothills of the majestic Rocky Mountains. Located just 15-minutes from Calgary, Hawk's Landing offers all the amenities of country living just a short drive from big-city conveniences. All lots are fully-serviced, so that you can start building the custom home of your dreams as soon as you select your perfect homesite.

Hwy 22X

Priddis Greens Dr

PRIDDIS

MacLeod Tr

Come visit us today in Hawk’s Landing!

N CALGARY

*By appointment only*

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