Eastern Ontario New Home & Condo Guide - Aug 23, 2014 by NextHome

Aug 23 – Sept 6, 2014 Volume 14 Issue 15

Eastern Ontario Edition

INSIDE THIS ISSUE

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MAINTAINING YOUR WARRANTY RIGHTS

Your Best Source for New Homes and Condos

SHOPPING AROUND FOR MORTGAGE RENEWAL

MAKING THE MOST OF YOUR CONDO VIEW

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HURRY,

FINAL FEW HOMES REMAIN! The window of opportunity is closing at Avalon, Minto’s perfect community! Hurry in and check out the last remaining Singles and Condo Flats in this established community only steps away from all the amenities your family loves. Don’t delay, limited numbers available!

ASK ABOUT OUR FANTASTIC INCENTIVES. ELEGANT SINGLES from $355,400* ONLY 17 SINGLES REMAINING!

CONDO FLATS from $205,900* ONLY 25 CONDO FLATS REMAINING! QUICK OCCUPANCY

mintoavalon.com | 613-834-6400 *Prices and speciﬁcations are subject to change without notice. Renderings are artist’s concept. E.&O.E.

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VISIT THE SALES CENTRE TODAY! 204 Monaco Place, OrlĂŠans Monday to Thursday: 12 pm - 8 pm, Friday: Closed Weekends & Holidays: 11 am - 6 pm

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Monarch first. Since 1917, Monarch has been at the heart of so many family histories. First homes. First memories. First accomplishments. First friends. And first loves. For almost a century, the reassuring welcome of a Monarch home on a Monarch street has brought thousands and thousands of families closer together. So if youâ&#x20AC;&#x2122;re looking for a new home, trust the oldest, strongest and most respected name in Canadian homebuilding. Choose Monarch. First.

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MORE FAMILIES CHOOSE MONARCH. first. NEPEAN | Stonebridge | Save up to $30,000 on select inventory Townhomes from the low $300,000’s Singles from the mid $400,000’s Sales Centre 610 Kilbirnie Drive (Kilbirnie Drive & Dundonald Drive) 613-692-9284

KANATA | Blackstone | Save up to $30,000 on select inventory Townhomes from the upper $200,000’s 32’ Singles from the upper $300,000’s 46’ Singles from the mid $400,000’s Sales Centre 110 Westphalian Avenue 613-831-2619

NEPEAN | Longfields | Save thousands on select inventory Urban & Courtyard townhomes from the low $300,000’s Semi-detached from the upper $300,000’s Sales Centre 280 Longfields Drive (Longfields Drive and Beatrice Drive) 613-569-5313

TOUR BEAUTIFUL MODELS AT ALL OUR COMMUNITIES

HOURS: Monday – Thursday: 1pm – 8pm, Friday, Weekends & Holidays: 12pm – 5pm

discover more

MonarchGroup.net

first.

Other promotional offers do not apply with this promotion. Prices and specifications subject to change without notice. Please see sales associate for additional details. E. & O.E. 12284.

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Today Get More In Your New Home For A Lot Less! Great Included Features And Incentives Available In All Our Master-Planned Communities Across Kanata and Barrhaven. BARRHAVEN

2 New Model Homes Now Open To Tour!

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Sales Centre: 3454 Greenbank Rd., ON, K2J 4H7 613.825.7932

Townhomes From $227,990 Detached Homes From $309,990

KANATA

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Sales Centre: 7 Summitview Dr., ON, K2M 2V9 613.271.0636

Townhomes From $226,990 Detached Homes From $324,990

KANATA

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Sales Centre: 1776 Maple Grove Rd., ON, K2V 1B8 613.831.9369

Townhomes From $244,990 Detached Homes From $324,990

Sales Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Ott_NH&Cdps_(All-sites)_Aug 16.indd 1 006-007-Mattmy 08-23-14.indd 1

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mattamyhomes.com

Wintergreen Model Home In Fairwinds BARRHAVEN

30' Home, The Atrium, Elev. ‘A’, 1,388 Sq.Ft., $309,990

Includes $5,000 at Décor, 3 Stainless Steel Appliances & Granite Countertops In Kitchen

43' Home, The Westlynn, Elev. ‘A’, 2,907 Sq.Ft., $474,990 Includes $5,000 at Décor, & Granite Countertops In Kitchen

KANATA Elev. ‘A1’

Village Home, The Appleby, Elev. ‘A’, 1,100 Sq.Ft., $239,990

Includes $5,000 At Décor, 3 Stainless Steel Appliances & Granite Countertops In Kitchen

34' Home, The Glade, Elev. ‘A’, 1,939 Sq.Ft., $349,990

Includes Granite Countertops In Kitchen, Hardwood Floors In Lieu Of Carpet On Main, 9’ Main Floor Ceilings, Bath Oasis, Rec.Room Ready, Upgraded Kitchen Package, Kitchen Backsplash & Pot Lights

KANATA Elev. ‘A’ Elev. ‘A’

Village Home, The Sweetriver, Elev. ‘A’, 1,325 Sq.Ft., $244,990

Includes $6,000 at Décor, 3 Stainless Steel Appliances, Granite Countertops In Kitchen & Master Ensuite PPO

WideLot™ Townhome, The Queenscliffe Corner, Elev. ‘A’, 1,687 Sq.Ft., $309,990 Includes $5,000 At Décor, 3 Stainless Steel Appliances& Granite Counter Tops In Kitchen

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

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UNIQUE, ARCHITECT-DESIGNED HOMES

CLASSIC, TIMELESS, WITH A TOUCH OF MODERN

Iconic Homes and Communities

BEAUTIFUL NEW HOMES IN KANATA VISIT OUR MODEL HOMES

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STONEBRIDGE

Conveniently located near Stonebridge in Barrhaven, Manotick Village and the Rideau River, this idyllic neighbourhood features thirty-two classic, Barry J. Hobin designed homes surrounded by natural, open spaces and flowering trees.

NEWLY RELEASED LOTS uniformdevelopments.com SALES CENTRE HOURS Mon – Thurs: 12 – 7pm | Fri – Sun: 12 – 5pm | Holidays 12 – 5pm Located at 3699 Jockvale Road | 613.608.8079

Single-Family and Townhomes Available

AN ELEGANT ENCLAVE IN QUALICUM

STUNNING ESTATE HOMES IN MANOTICK

URBAN LIVING IN WESTBORO

SELLING QUICKLY

EARLY OCCUPANCY HOMES

ONLY 2 UNITS LEFT

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Coming Sat. Sept. 6th A PICTURE PERFECT NEW RELEASE! • WALK TO SCHOOLS, SHOPS AND MORE • EXQUISITE FEATURES AND FINISHES • FAMILY FRIENDLY COMMUNITY

NEW DESIGNS OF * the $300s 30’ & 36’ SINGLES from

FITZROY - ELEVATION C Grand Opening Sat. Sept. 6th. Register Now!

mintochapmanmills.com

*Prices and speciﬁcations are subject to change without notice. Rendering is artist’s concept. E.&O.E.

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SALES CENTRE 102 Southam Way, Nepean Monday-Thursday: 12 - 8 pm | Closed Fridays Weekends & Holidays: 11 am - 6 pm 613.823.1900

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Express Yourself Coming this Fall to Stittsville Towns, 38’ and 46’ Singles Monarch has started a whole new tradition at Traditions II with two new home design collections to choose from so you can express your own personal style. Choose from our Timeless Collection of traditional designs or our Expressions Collection with contemporary flare. No matter which design style you choose, you can be assured of Monarch quality. Discover Traditions II in Stittsville, your home, your style - your choice!

*Prices, specifications and promotions are subject to change without notice. Rendering is artists’ concept and image is for mood and impression only. E & O.E. August 2014. 12283

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GRAND OPENING! Saturday, September 13, 2014 Visit our new sales office and see the launch of our new ASPIrE TOWNHOME collection! Starting from the low

$280,000s .

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Choose from one of our communities and visit us today!

ORLEANS

NAvAN

HUNT CLUB

Zen Urban Flats

Singles, Bungalows & Townhomes

Condominium Flats

376 ANTIGONISH AVE.

422 dOVEHAVEN ST.

106-225 WINTErFELL PrIVATE

613 834 3488

613 841 0560

613 249 0704

FiNdLAy CREEk Singles, Bungalows, Townhomes & Zen Urban Flats

RivERSidE SOUTH

BARRHAvEN

Singles, Bungalows & Townhomes

401 FErNSIdE ST.

585 SUMMErHILL ST.

118 MArAVISTA dr.

613 822 6444

613 823 6767

613 425 1332

ClaridgeHomes.com Prices and specifications are subject to change without notice. E.&O.E.

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//EDITOR’S NOTE

What rules your new home choice? Lifestyle increasingly influential for buyers

SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

ew-home buyers are often driven by different influences, but there’s no doubt lifestyle is an increasingly important factor. Whether you’re considering a home near the beach, a golf course or a city penthouse or 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 usually the answer, although many homeowners with existing homes in suburban or rural areas are acquiring townhomes or piedà-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 is to find a home that suits your needs and lifestyle. In this issue, we profile new communities which offer the perfect place to put up your feet, plus the latest industry news and features about buying and owning a new home. Enjoy!

Choose your mover wisely For this important part of the homebuying process, take your time and do your proper research

WAYNE KARL

EDITOR Wall2Wall Media

ar too many people, it seems, have a moving horror story. Not just tales of damaged possessions, delayed deliveries or unavailable trucks, but far worse instances of outright crime. Moving company ripoffs, in fact, are one of the top scams monitored by the Better Business Bureau (BBB). After saving for a down payment, paying lawyer’s fees and other costs associated with buying a home, who can blame buyers for wanting to save a few bucks on the one area they likely feel they can tackle themselves, or by hiring a discount mover to do the job on the cheap.

The problem with the latter choice, especially, is the high risk you run in being victim to the various schemes employed by unscrupulous moving companies. To protect yourself, the Canadian Association of Movers, which holds members to a strict code of ethics, urges consumers to research prospective moving firms: contact the CMA for checklists and referrals, as well as other sources such as Industry Canada and the BBB. Moving into a new home should be an exciting and celebratory experience. Ensure it remains that way by not cutting corners on this last important step.

Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

14 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEPT 6, 2014

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contents

AUG 23 - SEPT 6, 2014 || VOLUME 14 ISSUE 15

COVER

p. 28 GLENVIEW HOMES

Monahan Landing – smart and stylish

PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

DIRECTOR OF SALES, NATIONAL

Josh Heppner

SALES MANAGER, EASTERN ONTARIO

Paul Bimm

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge

CONDO INSERT | C01-C24

ART DIRECTOR

Tammy Leung

SPOTLIGHT ON CONDOS: Your guide to new condo

EDITOR

communities in the Gatineau and Greater Ottawa Area

regular features 14 Editor’s Note C08 In the News

Homebuyers worry about protecting their personal data

CONTRIBUTING EDITORS

Sara Duck, Elisa Krovblit, Lydia McNutt

31 Money Matters

The lost art of saving by Gail Vaz-Oxlade

C10 Mortgage Advice

Why you should shop around at mortgage renewal time by Alyssa Richard

C18 Smooth Move

Know what to look for and when to maintain your warranty rights by Howard Bogach

C22 Home Smarts

Making the most of the view from your new condo by Marnie Bennett

In the News Level of average household debt on the rise: BMO

26 Quick Tips

A dose of reality by Hellen Buttigieg

015 TOC_TL-.indd 15

In the News The top places to invest in real estate in Ontario Designer Advice Five furniture trends with staying power by Yanic Simard

C20 In the News

OHBA names finalists for 2014 Awards of Distinction

Wayne Karl

Hot Sheets

Two pages of community previews and openings

community focus features C06 CARDEL HOMES 28

The simplified life – condo lovers come home to Orléans GLENVIEW

HOMES

Monahan Landing – smart and stylish

SALES CO-ORDINATOR, EASTERN ONTARIO

Nash Kamaludin

MANAGER OF PRODUCTION

Bala Gnanapandithan PRODUCTION CO-ORDINATOR

Dennis Ng

GRAPHIC DESIGNER

Pierre Farhan, Mike Terentiev

Published By

newhomeandcondoguide.com 1 Raymond St., Ste. 300 Ottawa, Ontario K1R 1A2 Phone: 613.729.1221 Published Saturdays, 2014 Publishing Schedule: Bi-weekly Jan.-June and Aug.-Nov. Monthly: July & Dec. 1

CIRCULATION: Free distribution in street boxes, stores, banks and financial institutions. TERMS: Advertisers, editorial content and New Home & Condo Guide 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 address shown. The views and data expressed by columnists do not necessarily represent those of the publication. COPYRIGHT 2014: All rights reserved by New Home & Condo Guide, Toronto, Ontario. 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. Please recycle this magazine! Wall2Wall Media participates in the Partners In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

2014-08-19 4:25 PM

WE WON'T CHARGE YOU EXTRA FOR YOUR CUSTOM DESIGN Choose one of our many models Bring us your design Custom modifications to any models or designs Creation of a new custom design just for you ... all this as part of our service at NO EXTRA CHARGE. Meet directly with owner Pierre, owner Michel or VP Stephan

LOCATED OFF CARP RD BETWEEN STITTSVILLE AND CARP D

SOL

D OLD S

SOL

D SOL

SOL

• 22 lots in a Private Cul-de-sac • 2 to 4 acres country Estate Lots (well & septic) • Underground services with Natural Gas and High Speed Internet • Open and partially or fully treed lots • Walking trails with access to lake and creek • 5 minutes from Kanata Centrum

4+ LOCATIONS • NAVAN: Mustang St.: ½ acre fully treed private Estate Lot. From the high $600's. • OTTAWA: Westboro: 2 luxury semi-detached homes. From the high $600's. • STITTSVILLE: Deer Run: 41’ to 54’ wide lots in a private crescent. From the mid $400's. • CARP: Westlake South Estates: 2 to 4 acres private Cul-de-sac Estate Lots. From the mid $500's. • ON YOUR OWN LOT

(613) 296-7000

MetricHomes.com

2 QUICK OCCUPANCY HOMES FOR SALE IN STITTSVILLE FROM $529,900

16 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEPT 6, 2014

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BUY NOW...

living with your parents cramping your style?

Time to make your move! Own a Brand New Home for as little as $1150* per month. There’s never been a better time. We can help.

Call 613.440.3750 (Cell) 613.809.5116 or email: longfields@campanale.com

LIMITED TIME OFFER

condo fees for a year! *P & I only. 5% down. No Co-Broke. See Sales Consultant for details.

or BUY LATER!

Don’t have a deposit to buy a New Home? CAMPANALE HOMES

LEASE A BRAND NEW TERRACE HOME OR CONDO FLAT FOR 1 YEAR AND RECEIVE $12,000* DEPOSIT WHEN YOU BUY IT!

* Conditions apply. See Sales Consultant for details. Limited Time Only.

VISIT US AT ONE OF OUR NEW SALES CENTRES & MODEL HOMES LONGFIELDS STATION | BARRHAVEN

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CALLAHAN ESTATES | ARNPRIOR

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Where the weekend starts on Wednesday. Discover a full range of singles and townhomes, built for real life in family-friendly neighbourhoods.

Two new communities, endless possibilities. AT B A R R H AV E N

AT K A N ATA S O U T H

Singles + Towns

cardelhomes.com/ottawa

Built for real life. CARDELHOMES.COM

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SPOTLIGHT ON CONDOS EASTERN EDITION

August 23 - September 6, 2014

YOUR PULL-OUT GUIDE to highrise, conversion, loft, terrace & townhome condo projects

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IMMEDIATE OCCUPANCY

It’s your time. For travelling, shopping, golfing, skiing, dining out and everything else you love to do. Cardel condos make life a breeze.

2 BEDROOM CONDOS STARTING FROM

249,900

SPOTLIGHT ON CONDOS

INCL HST

INCLUDING UNDERGROUND PARKING + ELEVATOR

Visit us online for location and hours.

Built for real life. CARDELHOMES.COM

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SPOTLIGHT ON CONDOS C4

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SPOTLIGHT ON CONDOS C5

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SPOTLIGHT ON CONDOS

THE SIMPLIFIED LIFE Condo lovers come home to Orléans LOCATION Orléans HOUSING TYPE Condominiums SALES OFFICE 141 Potts Private, open Monday 1 to 7 p.m., Tuesday & Wednesday noon to 7 p.m., Thursday & Friday closed, open Saturday, Sunday & holidays noon to 5 p.m. CONTACT Lynne Freitag lynne.freitag@cardelhomes.com

ith value and affordability on the minds of virtually every homebuyer today, many are looking to condo living as a way to find the perfect balance. So it’s no surprise that Cardel Homes’ second condo building at Notting Hill South in Orléans is nearly sold out, getting strong attention from first-time homebuyers to empty nesters alike. Nestled among an inspired mix of townhomes and single-family homes, Cardel’s two four-storey condo buildings offer lowmaintenance convenience and the neighbourhood charm that Orléans is known for. With its cosy streets and urban comforts, Notting Hill South was an ideal location for Cardel’s feature-rich condos – close to amenities, fitness centres, paths and greenspace. “We knew Notting Hill South would be a popular community,” says Cardel Ottawa’s Regional President Greg Graham. “More and more buyers are looking for suburban condo units. With underground parking, elevators, air conditioning, and heated flooring Notting Hill South has it all.” From nine-ft. fourth-floor ceilings and hardwood floors to sound attenuation, secure entry, private balconies, radiant in-floor heating and sprinklers – not to mention an elevator – Cardel’s designed with

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CARDEL CONDOS | Orléans

Immediate occupancy – last chance! form, functionality and all the comforts of city condo living in mind, minus the downtown bustle. The two-bedroom units feature bright, open-concept layouts that maximize square footage. Extras that come standard include six appliances, garbage/snow removal, air conditioning and heated, secure, underground parking in the base price (a $30,000 value). With its pedestrian-friendly neighbourhood appeal, Cardel’s development has been particularly popular among first-time homebuyers and those seeking to downsize, including professional couples and empty nesters looking for turnkey convenience and suburban tranquility. No more shoveling snow, no more cutting the lawn, and no more chasing after the garbage truck. The fact that Notting Hill South is an established community is nice, too – you won’t be living in a noisy construction zone. Perhaps the best perk of all, though, is getting Cardel quality at a condominium price. Those currently living in the Orléans area can appreciate Cardel’s full life-stage product line, which offers a balance of single-family homes, townhomes and condos. Downsizing no longer means sacrificing location. Move-down clients can maintain their neighbourhood ties while still enjoying the hassle-free lifestyle that comes with multi-family homeownership. Notting Hill South’s lock-and-leave convenience means snowbirds can seek out sunnier wintertime weather secure in the knowledge that any necessary maintenance and upkeep will be taken care of.

“Quite a few of our customers have been long-time Orléans residents,” notes Graham. “They want to stay in the community where they’ve lived for the past 20 or 30 years. Now that it’s time to downsize or for the kids to move out, a Notting Hill South condo just makes sense.” Orléans’ cultural vibrancy, nearby schools, restaurants, shops and recreational offerings appeal to more than just move-down buyers with area ties, though. At Notting Hill South, first-time buyers get a chance to build equity for approximately the cost of renting. With the final 15 units now selling and immediate occupancy available, it’s your last chance to come home to Notting Hill South. Models are open for Monday – Wednesday, Saturday and Sunday. For insider updates on these and other great Cardel communities, register online at cardelhomes.com or call 613.424.6780.

AUG 23 - SEP 6, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO C7

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//IN THE NEWS

Homebuyers worry about protecting personal data Homebuyers are increasingly worried about protecting their personal data, according to a recent survey by Equifax Canada. A majority of Canadians (79 per cent) are more concerned today about safeguarding their personal information than a year ago. “Consumers and lenders are certainly becoming more wary of the potential threats related to fraud and identity theft,” says Tim Ashby, vice-president, personal solutions, Equifax Canada. “In the homebuying process, a lot of personal data is on the table when dealing with mortgage brokers, real estate agents and lawyers, among others.” Most consumers (81 per cent) believe that lenders should be doing more to protect them from fraud and identity theft. The survey, however, also examined how truthful Canadians are when looking to secure a home loan. One in 10 Canadians agreed it is okay to inflate their annual income when applying for a mortgage, and nine per cent admitted they had not been entirely truthful on a credit or loan application. Make no mistake, lying on your loan application is a type of mortgage fraud,” says Ashby. “Whether you’re a lender or a consumer, data protection and the integrity of the data should be priorities at all times. For the consumer, it’s not just a matter of protecting your information, it’s critical to know what’s on your credit file – especially when looking to buy a new home.” Canadians embarking on the mortgage brokering process are not any more

informed about their credit score than the general population. Only 23 per cent of Canadians know their current credit score versus 26 per cent who knew it at the time they applied for a mortgage. “Tens of thousands of extra dollars are being spent to service a mortgage simply because people don’t know their credit score,” says Ashby. “Maintaining a healthy credit report by paying bills on time will go a long way in securing a loan at a lower interest rate.” An Equifax credit score ranges from 300 to 900. Higher scores are viewed more favourably. Most Canadians (71 per cent) have a credit score of 725 or higher, which is considered to be Very Good or Excellent. For more information, visit equifax.ca

C8 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEP 8, 2014

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HideawayFINALnewAUG2014goooo:Layout 1 14-08-15 1:03 PM Page 1

GET READY FOR YOUR

SALT WATER POOL STARTING F ROM $ 2 19,9 00

MOVE-IN THIS YEAR

PR ESEN TATI ON CEN TR E O’CONNOR ST

BANK ST

McLEOD ST

455 BANK ST AT MCLEOD NEXT TO STARBUCKS MON 12-6 | THURS 3-7 SATURDAY-SUNDAY 12-6 OR BY APPOINTMENT

HideawayatCentral.ca 613.789.5475

SPOTLIGHT ON CONDOS

GLADSTONE AVE

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//MORTGAGE ADVICE

Why you should shop around at mortgage renewal time » by ALYSSA RICHARD

ALYSSA RICHARD

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

Summer, without a doubt, is one of the busiest times of the year for homebuyers to jump into (or move around within) the housing market. Depending on the length of the term you chose, if you purchased a home as far back as the summer of 2009, your mortgage is likely going to come up for renewal soon. If they haven’t already done so, your lender will start popping early renewal notices into your mailbox – usually within the last 30 to 120 days of your existing mortgage term. And while the renewal slip makes the process all too easy (you just sign the offer and send it back), it’s not always in your best interest to accept this offer. For starters, the lender who had the best mortgage rate for you before is almost never the same lender who will have the best mortgage rate for you at renewal time. It’s sad – if you’re someone who stays loyal to lenders, that is – but true. On those mortgage renewal slips you find in your mailbox, lenders offer an average of only 0.25 per cent off their posted

rate – that’s nothing, in comparison to the rates you can find online or from mortgage brokers across Canada. Unfortunately, lenders market their renewals as being easy and convenient, which is something most consumers are attracted to. But how much would it hurt to later find out you could’ve gotten a full one per cent or more off your rate, if you’d taken the time to shop around and negotiate? Besides just the mortgage rate, it’s also unlikely that your current lender will be the one to offer you the best mortgage product for your needs at renewal time. Think about it this way: your financial goals from when you took on your current mortgage term were likely much different than what they are today, right? You could be at a completely different stage in your life now. Well, the same can be said for your lender. It’s convenient to stay with your current lender, but the terms and conditions your existing lender offers may no longer suit your needs. Consider all your mortgage needs – the rate and prepayment options – and go with the lender which can offer everything you’re looking for. One thing to keep in mind: if you don’t renew your mortgage with a new lender before the date your current mortgage term expires, your lender will automatically renew you for another term with them. A week isn’t enough time for most mortgage brokers to switch your mortgage from one provider to the next, so start shopping around early and make sure you find the best mortgage rate/product for you.

C10 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEP 8, 2014

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ONLY ONLY * * DOWN DOWN

AA VISION. VISION. AA STATEMENT. STATEMENT. ANAN ICON. ICON. Extraordinary Extraordinary architecture. architecture. Uncompromising Uncompromising design. design. An incredible An incredible view, view, and an and unbeatable an unbeatable location location next to next Dowâ&#x20AC;&#x2122;s to Dowâ&#x20AC;&#x2122;s Lake.Lake. RightRight on your on doorstep your doorstep find the findO-train, the O-train, kayaking, kayaking, running, running, greatgreat restaurants restaurants and nightlife. and nightlife. Then Then comecome homehome to an to indoor an indoor pool,pool, yoga yoga studiostudio and aand a 24 hour 24 concierge. hour concierge. Now is Now theistime the to time make to make your move your move and find andyour find new yourhome new home in theinnew theheart new heart of Little of Little Italy. Italy. Visit us Visit today. us today.

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* Upon *signing. Upon signing. Some conditions Some conditions apply. See apply. sales See repsales for details. rep for Prices details.and Prices specifications and specifications are subject are to subject change to change without without notice. E. notice. & O. E. & O. E.

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Upper West Choice G ELLINT! S P ’S TO PROJEC O R O TB UM WES DOMINI CON

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SPOTLIGHT ON CONDOS

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TIMELESS DESIGN, PRICELESS LOCATION, A ONCE-IN-A-LIFETIME OPPORTUNITY. This superb collection of fresh urban suites complements an incredible array of lifestyle amenities at Westboro’s most vibrant new condominium community. You can use the money on a parking space, upgrades, cash back or any combination of these. How you spend the $25,000* is totally up to you.

MY KIND OF COMMUNITY. MY UPPERWEST. CONDOS FROM THE MID $200S**

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LIVE FRONT ROW CENTRE WITH ONLY 5% DOWN*

YOUR FRONT YARD

YOUR BACK YARD

Now Under Construction - Move in Fall 2014 • A prestigious address on the Rideau Canal & Bank Street

• In your backyard, enjoy the beautiful Rideau Canal by walking the waterside trails

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Luxury condos in The Glebe from the mid $300’s**

Visit the Sales Centre today! Fifth Avenue Court, 831 Bank St. Monday - Thursday: 12pm - 7pm Weekends & Holidays: 11am - 5pm Closed Friday

mintolansdowne.com I 613.788.2784 *Available on suites in the Vibe only. **Prices and specifications are subject to change without notice. Rendering is artist’s concept. E.&O.E.

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Choose your ClARIDGe Style tRIbeCA – Downtown Tribeca is a world-class complex in a world-class neighbourhood. Just minutes from your front door, you’ll find a cultural hotbed of fabulous shops, clubs, bistros, restaurants and cafés. Explore Elgin Street and all its charms. Model suites are available for viewing! Occupancy now available. STARTING FROM $329,000

ClARIDGe plAzA 3&4 – RIDeau StReet With Claridge Plaza just steps away from it all, you’ll be happy to leave your car and walk where you’re going to. Live, work, play... at Claridge Plaza, you’re at the heart of it all. Now available. STARTING FROM $208,000

StIRlInG pARk – MeRIvale You’ll be surrounded by all the stores and services you’d ever need. Parks and community centres dot the area, as do schools, daycares and medical centres. Public transit and the Queensway are close at hand. Under construction. STARTING FROM $233,000

WAteRStReet – loweRtown Waterstreet is Ottawa’s best-kept secret: surrounded by some of the best cafes and restauraunts, you can sample fine fare at one of the local spots or stroll through the rest of the Byward Market to pick up fresh produce. Under construction. STARTING FROM $192,000

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lA tIffAnI 2 – new eDInBuRGH Located in the historic New Edinburgh neighbourhood, LA TIFFANI 2 is just minutes from Ottawa’s downtown core. Its breathtaking views extend in every direction, and include the Parliament Buildings, the Gatineau Hills, the Ottawa River, the Rideau River and the city skyline. Move in today! STARTING FROM $249,000

Come Home to Style With 6 different locations around the city, we build to suit everyone’s needs. Visit us today! Prices and specifications are subject to change without notice. e.& o.e.

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fuSIon leBReton FlatS at Fusion, all of lifeâ&#x20AC;&#x2122;s pleasures come together in one eco-friendly living environment. leBreton Flats is ideal for walkers and cyclists, with 65 hectares set below the western edge of the escapement on which the Parliament Buildings perch. within this picturesque green space 40% of the land will be kept green and open, enhanced only with ottawaâ&#x20AC;&#x2122;s parks, courtyards and walkways. STARTING FROM $266,000

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SPOTLIGHT ON CONDOS C16

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Purchase one of our ready-to-move-in condos. 1 & 2 bedroom suites from

$289,000.

Only 5% down payment. * $10,000 bonus applies to 2 bedroom units. $ 5,000 bonus applies to 1 bedroom units.

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6 Appliances

Storage locker

SPOTLIGHT ON CONDOS

OVER 90% OCCUPIED.

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//TARION REPORT

All new homes in Ontario come with a warranty KNOW WHAT TO LOOK FOR AND WHEN, TO MAINTAIN YOUR WARRANTY RIGHTS » by HOWARD BOGACH

HOWARD BOGACH

is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/ TarionWarrantyCorp.

Buying a newly constructed home in Ontario comes with the security of knowing you have somewhere to turn if your home has defects or building code violations. Your home’s mandatory warranty is provided by your builder and backed by Tarion. Although it is often lumped into one warranty for simplicity sake, in actuality, all new homes in Ontario come with deposit protection and delayed closing or occupancy compensation, in addition to three separate warranties. The warranties begin the date the home is completed for possession but end at different times and cover different items. While it is the builder’s responsibility to ensure he or she builds a home that is properly constructed and free from defects, it is the homeowner’s responsibility to identify any defects within the warranty time frame. The question we are often asked is, “What am I supposed to be looking for?” Just because you own a home, doesn’t mean you are an expert in new home construction. Knowing what to look for and when will help ensure your home’s warranty provides protection when and if you need it. In the first year, your home’s warranty covers defects in work and materials, ensures it is fit for habitation and is constructed according to the Ontario Building Code. The first year warranty includes almost everything inside and outside your home that was provided by the builder. During the first year, it is essential to keep a keen

eye on the condition of your home, as this is the most comprehensive warranty of the three. Some of the things you should be looking for are cracks in flooring, drywall or outside cladding, missing roof shingles and all finishings within your home. Electrical and plumbing fixtures are covered under warranty for the first year only, so if there is a light that does not turn on or a faucet that isn’t working properly, this should be noted within the first year. The same is true for heating and air conditioning appliances. Inspect your home’s equipment to ensure it is working properly within the first year. The two-year warranty protects against defects in materials including windows, doors and caulking to prevent water penetration into the home. This warranty also covers defects in electrical, plumbing and heating delivery and distribution systems and the exterior cladding of the home. In addition, violations of the Ontario Building Code that affect health and safety are covered for two years. Within the first two years, inspect your home to ensure there is no water seeping in. Water can enter from many places in your home, but generally the basement is the most common place for water penetration. Finally, the seven-year warranty covers your home from major structural defects. This includes the failure of a load-bearing portion of your home. You’ll want to look out for major cracks in your home’s foundation or exterior cladding, interior separation of drywall between ceilings, walls and floors, large gaps in interior finishings, or movement in the basement floor. Any of these examples could suggest a major structural defect and may need further investigation. Tarion has a very broad interpretation on what can constitute a Major Structural Defect. Please visit our website or call us if you are looking for more information about your home’s seven year warranty. Once you move in, continue to inspect your home’s condition regularly. If there are issues with your home that fall under the warranty, your builder is responsible for fixing a defect, but if he/she doesn’t, Tarion will step in. If you have questions about your warranty, visit tarion.com or find us on Facebook at facebook.com/tarionwarrantycorp

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Urban Convenience Appease your inner foodie at famed local eateries, or host friends in your famed urban space. If your guests decide to stay over, they’ll feel right at home in the Kavanaugh guest suite. Urban condos in Beechwood Village

Features: roof-top terrace & lounge · fitness facility ground floor retail & courtyard · guest suite Unique selection of 1 bedroom and 1 bedroom + den suites starting at $280,700 Move in Spring-Summer 2015

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SPOTLIGHT ON CONDOS

See the full-size model suite shown above at our sales centre · 84/86 Beechwood thekavanaugh.ca • Urban condos by Domicile • 613.868.7597

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//IN THE NEWS

OHBA NAMES FINALISTS FOR

2014 Awards of Distinction The Ontario Home Builders’ Association (OHBA) has announced the finalists for its 2014 Awards of Distinction. Finalists were judged from entries from

across the province, encompassing 39 categories of building, design, sales and marketing. A complete list of finalists is available at ohbaaod.ca Winners of the OHBA Awards of Distinction will be announced on Sept. 22 at the Ottawa Conference Centre, where the spectacular gala awards ceremony will be a highlight of the 2014 OHBA Conference in the nation’s capital. In addition to the individual category awards, OHBA will also announce the winner of the coveted 2014 Ontario Home Builder of the Year. FINALISTS ARE:

Great Gulf Homes – Toronto, greatgulf.com Mattamy Homes – Oakville/Kanata, mattamyhomes.com Minto Communities – Toronto/Ottawa, minto.com For the first time ever, OHBA has also introduced the People’s Choice Award, for which the general public was invited to vote. Finalists for the award include the six best projects of the year in both the high- to midrise and lowrise categories, which are: Aspen Ridge Homes for Kleinburg Hills in Kleinburg Cable Bridge Enterprises Ltd. for Treetops in New Tecumseth Great Gulf Homes for Monde Condos in Toronto Great Gulf Homes for Yonge + Rich in Toronto Mattamy Homes Ltd. for The Preserve in Oakville Minto Communities for Minto30 Roe in Toronto

A complete list of finalists is available at ohbaaod.ca “The Awards of Distinction program is an opportunity to pay tribute and honour the creativity, innovation and talent of builders, renovators, designers and marketers within the new home building and renovation industry,” says OHBA president Eric DenOuden, adding, “the building industry is a major driving force in our province’s economy and the Awards of Distinction celebrates this dynamic sector.” The Ontario Home Builders’ Association is the voice of the residential construction industry in Ontario representing 4,000 member companies organized into 31 local associations across the province. The industry contributes more than $43 billion to Ontario’s economy, employing more than 313,000 people across the province.

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* Offer on selected units, subject to availability and change without notice. Offer may be withdrawn at any time. E. & O.E.

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SPOTLIGHT ON CONDOS

Visit the Gluckstein desiGned ned furnished model suite. sales ales centre at 300 lisGar st.

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//HOME SMARTS

GLASS ACT:

Making the best of a less-than-heavenly view » by MARNIE BENNETT If every window revealed a view of stunning beauty, it would make my job so much easier. But here on earth, some vistas leave something to be desired. The good news is that I’ve been seeing more ways than ever before to address these problems.

MARNIE BENNETT

is a broker and the marketing director for Bennett Property Shop Realty, a full premium service real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate. Marnie is the host of the weekly radio show the Real Estate Hour, a millionaire real estate investor and a wealth management coach. bennettpros.com

SCENARIO 1: You feel as though you’re living in a fishbowl. SCENARIO 2: You have a marvelous view – of a brick wall, or

the legs of passersby.

For both daytime privacy and obscuring undesirable views, light-filtering blinds are an increasingly popular option. This is in large part because they don’t block out natural light. A similar – though more romantic – effect can be achieved by using sheers. Both can be paired with lined curtains for nighttime privacy. If you’ve got panoramic windows, treatments such as these can cost a pretty penny. Here’s an industry secret: you may be able to negotiate with your builder at the time of purchase for blinds to be included in the purchase price.

Half-height plantation shutters work beautifully with tall, narrow windows, lending historical character to a room. For a smaller window, you might consider a hanging stained glass panel; even a small panel will act as a focal point, drawing attention away from an unbeautiful view. Your local hardware store carries two inexpensive alternatives: privacy window film and acrylic wall glaze. Both of these give the illusion of frosted glass, and both are easily applied and removed. In many cases, applying these treatments to only the lower pane of glass will give you the privacy you require. SCENARIO 3: Your windows are too small, or too few.

Small windows can be made to look larger by artfully installing blinds and curtain rods higher than necessary, with curtains extended on either side. On a blank wall that cries out for a window, try hanging a large piece of landscape art; installing a picture light above will give your evenings a lovely ambience. Have as many different sources of light as possible coming from different points in a room. This gives you options for different effects at various times of day. And large mirrors are wonderful for reflecting light from both windows and lamps. As a glass half-full kind of gal, I’ll close with this: your imperfect views are the perfect opportunity to make a terrific design statement. To receive a free copy of a new special report titled “Homebuyers: How to Save Thousands of Dollars When You Buy” email sales@bennettpros.com

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ONLY

REMAINING

ARTIST’S CONCEPT

Live in the heart of Westboro Westboro’s most exciting new enclave of only 19 two- and three-bedroom contemporary townhomes, ranging from 1,756 to 1,948 sq. ft., beautifully designed by Barry J. Hobin & Associates Architects. Enjoy the comfort and lock-and-leave convenience of heated underground parking with direct access to your home. Ample storage space is included in each home. These freehold townhomes include a low monthly cost for yard maintenance and snow removal. All this and an enviable urban lifestyle in the heart of Westboro—live within a two-block walk of your favourite cafés, shops and restaurants, and just minutes from the Sir John A. MacDonald Parkway/Ottawa River, Queensway, transitway, Tunny’s Pasture and downtown. PRESENTATION RD CENTRE ND MO H RIC

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2014-08-12 12:03 PM 2014-08-19 9:20 AM

//IN THE NEWS

Household debt up six per cent to $76,140

MORE CANADIANS HAVE A MORTGAGE, FEWER WITH CREDIT CARD DEBT, STUDENT LOANS UNCHANGED

The average household debt in Canada has risen from $72,045 last year to $76,140 in 2014, with Alberta leading the way, According to BMO’s Annual Debt Report released recently. The report also details how the mix of debt – mortgages, credit cards and student loans – for households in the provinces has changed year over year. The report, conducted by Pollara, revealed that household debt has increased in each region across Canada, except for the Prairies and Ontario. Alberta remains the province with the highest household debt, $48,698 above the national average. Alberta and BC are above the national average, while the other provinces are below. Other noticeable regional differences include: ›› Albertans have nearly twice the average household debt than Ontarians ($124,838 vs. $67,507, respectively). ›› Atlantic Canadians took on more than $16,000 of household debt this year compared to 2013. ›› British Columbians also took on more debt – $20,745 more this year than last. ›› Those in the Prairies reduced their debt by $13,000 from last year.

Sal Guatieri, senior economist, BMO Capital Markets, notes that the booming economy of Alberta, particularly Calgary, has made the province an outlier compared to other regions. “Part of the reason household debt in Alberta is so much higher than in other provinces may be due to rapidly rising house prices, which have caused home buyers to take on larger mortgages.” The BMO Debt Report also reveals the type of debt Canadians have in 2014 compared to last year: ›› Forty-three per cent of Canadians hold mortgage debt, an increase of 13 per cent year over year. ›› More than half of Canadians have a credit card balance, but the number of households has dropped from 56 per cent to 52 per cent this year. ›› Student loans have remained stable, with 15 per cent of Canadian households reporting this type of debt AVERAGE HOUSEHOLD DEBT

National ATL

MB/SK

2013 $72,045 $47,237 $56,860 $76,970 $82,100 $89,026 $79,089 2014 $76,140 $64,120 $59,805 $67,507

$68,437 $124,838 $99,834

TYPES OF DEBT

Credit Cards

National ATL 52%

ON MB/SK AB

60%

46%

54%

45%

50%

58%

Mortgages

43%

31%

46%

40%

38%

53%

44%

15%

20%

11%

19%

17%

10%

Student Loans

The rising share of households with a mortgage is partly driven by the active participation of first-time buyers, mainly young Canadians, Guatieri notes. “It is encouraging to see Canadians are paying down credit card debt, which costs more - especially compared to today’s low mortgage rates,” noted Tony Tintinalli, Regional Vice President, BMO Bank of Montreal. Mr. Tintinalli encouraged Canadians to speak with a financial planner to set realistic financial goals and a budget, and put a plan in place to pay down their debt aggressively, whether by opting for a shorter amortization for those with mortgages, or by choosing a credit card with a lower monthly interest rate.

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IMMEDIATE OCCUPANCIES AVAILABLE*

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6 1 3-4 2 5 - 5 2 5 5 Sales representative:

Also SINGLES & BUNGALOWS

Leitrim Road

Rotary Way Loosestrife Way

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Rotary Way

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Bank Street

FREEHOLD TOWNS

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//QUICK TIPS

A dose of reality » by HELLEN BUTTIGIEG

HELLEN BUTTIGIEG

is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the best-seller, Organizing Outside The Box. For tips on getting organized, visit WeOrganizeU.com and sign up for the free newsletter.

You want everything to fit away neatly, display perfectly and know exactly where everything is when you need it. That’s what being organized is all about. But is that realistic? Being organized doesn’t happen overnight and it doesn’t have a finish line. Getting organized is a process, learn what works for you. Keep it real. You’ll never get organized. Read that again. Yes, that’s what I said. You’ll never get organized because being perfectly organized is not a realistic expectation. Just to be clear, organization is not a destination. You don’t just wake up one day and find that you’ve arrived. It’s a process – a work in progress. So, if you are judging yourself against unrealistic expectations, or holding back on pursuing a goal because you are waiting until you “get organized, once and for all,” perhaps it’s time to look at things differently. Instead of trying to get organized, strive to become more and more organized every day. Doesn’t that feel more attainable? Instead of feeling stuck, you’ll be able to take a step forward.

Organization is not a destination. You don’t just wake up one day and find that you’ve arrived. It’s a process – a work in progress.

Use your instincts. Are you surrounded by piles of papers on your desk, your floor and any other flat surface in your office? Don’t fight your instincts, work with them. Rather than trying to adapt to traditional ways of filing, like using a lateral filing cabinet, use horizontal methods instead. Use stacking trays or literature sorters, which can be placed on your desk or installed on the wall. Now label them with the categories you use most. It will be easier to adapt to filing papers when you don’t have to change your piling habit. Out with the old, in with the new. Are you holding on to things that you’ll never use again? Very often people unconsciously jam their homes full of stuff because the sheer volume gives them a feeling of comfort and security. If you are operating from a need for abundance, remember that your success as a person has nothing to do with all the outdated or rarely used stuff overflowing from your closets. In fact, it’s probably blocking your prosperity. Let go of what you don’t need to make room for new things to come into your life. Plan before de-cluttering. Before beginning any de-cluttering project, determine in advance how you will dispose of the items you no longer want. If you have valuable pieces and would like to sell them, decide whether you will do this yourself or hire someone to do it for you. If you would like them to go to charity, which one and where are they located? Some charities will pick up, so call them to find out when they will be in your area. It’s not until those boxes and bags leave your home that you will reap the full rewards of de-cluttering. Planning in advance will curb procrastination and ensure full completion of the task. Feeling stuck? If you find yourself backsliding when it comes to maintaining your organizing systems, don’t berate yourself, as this will sap your energy and prevent you from doing anything about it. Rather than dwelling on what went wrong, focus instead on what needs to be done. Just say “oops” and move on to taking action.

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

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

Visit a branch or tdcanadatrust.com/paymentvacation

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

TD BankBank 027-TD SMOSMO Mortgage.indd Mortgage.indd 1 1

2014-08-19 7/9/14 9:43:25 9:24AM AM

//COVER STORY

Smart and stylish

GLENVIEW HOMES G

lenview Homes is living up to its promise of delivering more – for less – in its new Kanata development, Monahan Landing. Customers have come to expect smart and stylish, award-winning designs from this Ottawa-based builder. The company’s homes are loaded with extras that not only enhance the look, but also increase the home’s value in the future. What makes a home? For Glenview Homes, it means family. Each home is designed to improve everyday life,

whether that translates into a cosy finished basement that’s perfect for game night, a handy USB plug for homework in the kitchen or a spa-style bathroom that becomes mom’s favourite retreat. At Glenview Homes, “standard” is never enough. The company takes pride in adding an unparalleled array of included features, with an enhanced selection of finishes – at no extra cost – so the pricing stays attainable. Take Glenview’s “social” kitchens for example; the hub of the home is tweaked

with integrated USB plugs, breakfast bars, designer fixtures and granite stone counters. Or experience the spa-style bathrooms with extra-deep tubs, oversized windows and expansive mirrors. And there is lots of room to play in a finished basement, and ideal hangout for the whole family. Suzanne and her husband Gerry were thrilled with their Glenview home, as Suzanne observes: “Glenview offered a lot of built-in features that were on our list. We were quite surprised they were

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GLENVIEW HOMES | Monahan Landing

included in the price, like the nine-ft. ceilings, the granite countertops, the hardwood throughout the main floor, the finished basement, the loft upstairs and the carpeting. For most builders, it would have been an upgrade, but for Glenview, it was part of the base price.” There’s another thing homebuyers agree on: Glenview Homes’ customer care sets it apart from other builders. “There was personal attention to every detail,” agrees Wade, another satisfied buyer. “We bought the next day and the sales reps were so busy, but they still remembered our names three weeks later.” “Our customers are our focus,” says Frank Cairo, president of Glenview Homes. He adds that Glenview Homes’

life spaces are designed with customers and their needs in mind. “Our commitment to quality is apparent in our unparalleled array of standard finishes, exceptional value proposition, architectural designs and construction techniques. Our commitment to home and homeowners is what drives our passion and is never compromised.” Homebuyer Ronna explains what impressed her most about Glenview. “I was a person who came to each of the meetings they had during the building process with a list, and each time they took the time to answer the questions, no matter how frivolous it might have been. The after-sales service from Glenview has been excellent.” Located north of Hope Side Road, Glenview’s Monahan Landing will extend the existing Meadowbreeze Park to the south while adding two brand-new community parks to the neighbourhood. There is ample opportunity for enjoying outdoor beauty on the trails of the Stony Swamp Conservation Area. A nearby tennis court, outdoor skating rink and

LOCATION Kanata HOUSING TYPE Detached homes SALES CENTRE/CONTACT 287 Meadowbreeze Dr., 613.595.0591 sales@glenviewhomes.ca

local parks are available to enjoy. Minutes away from restaurants, shopping and entertainment and within walking distance to existing schools, Monahan Landing is the perfect place for families to call home. Since 1966, Glenview has focused on building a reputation for quality. The company is comprised of a number of leading industry professionals, as well as Ottawa’s most elite trade craftspeople. The Glenview Homes Sales Office is located at 287 Meadowbreeze Dr. For more information contact sales@glenviewhomes.com or phone 613.595.0591.

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30 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEPT 6, 2014

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//MONEY MATTERS

The lost art of saving » by GAIL VAZ-OXLADE

GAIL VAZ-OXLADE

is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter. com/GailVazOxlade

Despite all media warnings, financial planners’ tut-tutting and the popularity of books such as David Chilton’s The Wealthy Barber which made its fame telling a simple story – “Save 10 per cent” – we are a spendthrift bunch. We haven’t always been. We saved 10 per cent or more for twenty years, from 1973 to 1993* - more than enough time to have established the habit. Our savings rate reaching a peak of 18.5 per cent in 1982 (In our enthusiasm, did we overdo a good thing?), we bounced around the ten per cent mark for about a decade, and then in 1993 we began our great slide. By 1999 we’d hit a low of 3.6 per cent and in April of 2007, we finally made it into negative territory: our savings rate was -1.4 per cent. Yes, we were officially spending more money than we made. Negative 1.4 per cent is a long way off 10 per cent, and an even longer way off the RRSP contribution limit calculation, which is based on putting aside 18 per cent of earned income. You could blame our higher taxes and you’d be somewhat justified. Taxes as a percentage of our total incomes rose from 18.43 per cent in 1973 to 23.9 per cent in 1999. But you would also have to take a close look at our spending habits. What we spend on goods and services has gone up steadily since 1982. And we’ve availed ourselves of more credit. Liabilities - what we spend on our credit cards, loans, mortgages and the like – rose from .67 per cent of our annual income in 1982 to over 4.9 per cent in 1999. Consumer credit – the money we borrow to feed our passion to consume stuff – makes up a big chunk of that as it rose from -.06 per cent in 1982 to 1.34 per cent in 1999. And according to a report entitled Canadian Economy: Personal Savings Rate put out by Industry Canada, in 1998 total accumulated debt per household in Canada was equal to 114 per cent of after tax income. Whew! How could we possibly save anything when we’re spending more than we’re making servicing our debt?

The more we’ve accumulated in savings, the harder those savings work for us. It can be truly rewarding to see substantial sums of money generated solely by our savings.

These figures seem to fly in the face of most of the predictions for how the baby boomers will behave as they age. In Boom Bust and Echo, David Foot asserted: “When you are young, you are a borrower. In your 40’s and 50’s, you are trying to build a nest egg for retirement.” Financial advisors are standing by, holding their breaths, waiting for the money to come pouring in as boomers hit their peak earning years. Yet since 1993 as we watched the first of the baby boomers turn the corner to middle age, Canada savings rate has plummeted despite a healthy economy, low inflation and more being written about money than every before in history. So why aren’t we saving? It really doesn’t matter what reason we give – too much debt, high cost of living, taxes – the real reason we aren’t saving is because we’ve forgotten how important it is to save. Perhaps the gloomiest part of the savings picture is the legacy we are leaving our children. Not only are we teaching them how to be avid consumers: spending their money on everything from trading cards at $5 a pop to horrendously expensive video gaming toys; we are, by omission, teaching them not to save. And we’re willing to allow credit purveyors to entice our children into a world of debt with nary a lesson on how to keep a balanced financial picture. For while credit card companies wouldn’t dream of issuing a credit card without an adult meeting significant credit criteria they’d have to have a job, for example students in university are assaulted by easy credit, making it easy for them to dig debt ditches they must subsequently struggle out of.

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WHY SAVE Saving gives us a sense of security and mastery over our finances. As our savings grow – be they in a run-of-themill savings account or invested in equities - we can take pride in our sense of discipline and increased ability to weather a storm. The more we’ve accumulated in savings, the harder those savings work for us. It can be truly rewarding to see substantial sums of money generated solely by our savings. Saving takes us closer to our goals. It also creates a strong sense of independence by putting us squarely in a position of control. We have the resources to cover unexpected expenses without incurring debt at high rates of interest. We have the flexibility to take advantage of investment opportunities as they arise. We can change jobs, change homes, change countries without the sense of anxiety that comes from existing paycheque to paycheque. HOW TO SAVE Th is is perhaps the area in which we are the most confused. If we sock away $5,000, $10,000 or $15,000 a year in a retirement savings plan, we’re doing a great job of saving, right? Well, not exactly. If we had to borrow the money to make that RRSP contribution, we won’t actually have saved a nickel until that loan is paid off. And if we stuck $2,500 away in an RESP for junior and then promptly upped our line of credit balance by a similar amount, we haven’t saved a cent. People playing games – stealing from Peter to pay Paul. But they not saving. To actually save a dollar you have to take that dollar out of your cash flow. Putting it in a GIC and then spending it on a credit card doesn’t count. You must make the commitment that current expenditures will not exceed current income. You’ve got to spend less money than you make. The you-don’t-have-to-think-aboutit way of saving is to use an automatic debit from your chequing account to

your savings account, so the temptation to spend the money is removed. Yes, it’s a bit of a head-game to trick yourself into saving. But hey, if it works! Not everyone is a born saver, after all. Some people must play the game to achieve their goals. Back to David Chilton’s The Wealthy Barber. The advice was sound in this short-but-sweet bestseller. Basically it boiled down to pay yourself first; put savings in a separate account; and be consistent. If you wait to see what’s left over after your expenses you’ll be justified in not saving because you won’t have much left. That’s the way it is with money. Smart savers do it the other way around. The take the money they want to save and hide it before they can spend it. Sure it may mean cutting back a little, but that usually doesn’t hurt as much as most people think it will. Th is all sounds like pretty basic information, nowhere near as exciting as a discussion of the stock market, technical analysis or long-term projections for the economy. But as simple a concept as saving appears to be, it’s the one that is being missed. And if you’re not talking about saving at home, there’s little to motivate your child to develop this life-long habit. So start talking about it. TEACHING CHILDREN TO SAVE One of the most effective ways of motivating a child to get into the savings habit is with a savings-matching program. You offer to match every dollar your child saves within a specific period of time with a dollar of your own. “Molly, here’s the deal. If you can save sixty dollars by the end of the summer, I’ll match that amount so you can begin investing.” If watching your money grow in a savings or investment account doesn’t turn you on you’ll have to find some other motivation for saving. How about this: Just for one moment be a pessimist. What if you lost your job, got sick or smashed up your car? Those are all good reasons to save. So is putting aside enough so you don’t have to depend on anyone else – be it the government or your children - to take care of you when days of heading into the mines are over. *All figures based on Statistics Canada National Economic and Financial Accounts unless otherwise stated.

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//DESIGNER ADVICE

FURNITURE TRENDS WITH STAYING POWER » by YANIC SIMARD

Although it never pays to cling to trends too closely, they can be a great source of ideas that will add a little life to your home. On that note, here are five furniture trends that you can count on: MINIATURE VS. OVERSIZED Small space aficionados know that “condo-sized” furniture is no new invention. I’ve often said “go big or go home!” or maybe “go big and go home!” But lately people are also going the opposite route, and choosing a size extra small. Rather than compromising on versions of favourite furnishings shrunk slightly to fit into a compact f loor plan, choose statement pieces – big or small – that will bring full satisfaction.

How to do it » For the ultimate seating plan, fit in the largest sofa you can (for when one or two people are lounging comfortably) and add European-sized compact seats as side chairs to fit in the maximum number of guests during get-togethers. » Miniature chairs in particular are a trend – even beyond the usual 18-inch seat. Petite accent chairs (child sized or even smaller) are charming conversation pieces nestled up to a coffee table, and can be used as occasional side tables when you need to rest a book or beverage. RUGS Over the past few seasons we’ve really

Image courtesy of Elte

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seen the return of the area rug, and now the magic carpet has officially landed. In a condo space with hard floors, area rugs of all shapes and sizes are an excellent way to bring warmth, colour, and a feeling of home, even in the most modernist schemes. They look excellent when paired with traditional furnishings or contrasted against sleek minimal forms. The timeless Persian rug especially brings a heritage appeal, although contemporary rugs come in endless patterns and prints to suit any taste. How to do it » For a living area, choose a rug large enough to tuck under all the furniture legs. Add a runner (a skinny rectangle) in a kitchen or hallway, or a large rug to any room for the feeling of carpeting (leaving approximately a 12-inch border around the room). » The inky tones in classic traditional rugs are neutral enough to blend into most schemes. For an already neutral space, consider this an opportunity to add some colour. You can roll the rug away or move it to a new room between seasons for a little change-up. TUFTING Button-tufting is a style invented for practical reasons: the buttons which hold a fabric to its backing (on a chair, headboard or anything upholstered) help keep stuffing in place by creating square or diamond-shaped pockets. The traditional look has lasted through centuries, and for 2014 it will be popular for modern settings as well. The geometric forms created by tufting can enrich the look of even the most streamlined sofa, and can be achieved without buttons for a more subtle quilted effect. How to do it » A tufted leather sofa is a must-have investment piece, for a look that speaks to luxury but is also practical. The material will hold up to wear and be easy to maintain. (Visit Zilli Home to see their current selections.) » Quilting isn’t just for pieces you sit on. It can also dress a cabinet front for

a private club appeal. (Check out the Brick 69 storage unit available via Quasi Modo.) ORIGAMI People have been developing a fascination with facets, and this love of all things angular is leading to a rise in the ancient art of Origami as an inspiration for complex bent forms in various areas of design. Like with tufting, the angles break up a material for visual interest and allow light to catch the item in different ways, adding the subtle drama that contemporary spaces have been missing in years past. How to do it » Table bases are an easily overlooked detail that can benefit from a fun form. I recently found a chunky “golden nugget” side table to make a simple statement in a client’s home. » Origami also makes for great art, brought to a large scale and in new materials, like the simple but intriguing Fold sculpture I recently spied at Avenue Road. PLASTIC For the most future-forward look, it’s hard to beat the appeal of plastic. With people once again celebrating colour, the vivid tones of translucent materials like acrylic and polycarbonate will be the ultimate source of a hue infusion. Semi-transparent materials work best grouped together (so their colours overlap and intermingle) or near a light source that will shine through and spread the colour love around. How to do it » For a quick addition, a few floating shelves can brighten up a wall. You might not even want to bother finding anything to put on them. » To really make a synthetic statement, try a transparent coffee table or night stand. A piece like this visually f loats to keep an airy look while adding a shock of colour that defines a furniture grouping.

A tufted leather sofa is a must-have investment piece, for a look that speaks to luxury but is also practical. The material will hold up to wear and be easy to maintain.

YANIC SIMARD

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

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homebuyers’help

CALCULATE YOUR MORTGAGE PAYMENTS INTEREST RATE

AMORTIZATION PERIOD

CHART FIGURE

EXAMPLE: 5%

25 YEARS

5.82

MORTGAGE AMOUNT ÷ 1,000 (MORTGAGE AMOUNT $125,000)

125

MONTHLY PAYMENT

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

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.

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.

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.

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

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MORTGAGE PAYMENT CALCULATION CHART % INTEREST RATES

AMORTIZATION PERIODS 10 YEARS

15 YEARS

20 YEARS

25 YEARS

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75%

14.59

12.28

11.31

10.85

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 AUG 23 - SEPT 6, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 37

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OTTAWA

HOT SHEET ASHCROFT HOMES

CENTRAL PARK • THE NEXT Live where downtown spirit meets community character, your prime location is your pathway to the best of Ottawa, and bountiful greenspace blends naturally. The Next brings it all together – smart condo living at the heart of Central Park. Starting at mid $200’s. Register now for VIP pricing at benext.ca

WESTBORO • QWEST A stroll under the arches and along Sisters’ Walk will be enough to convince you of how greenspaces and good design make life beautiful at Q West. The Q West team’s inspired vision both preserves and enhances this landmark property. Just released, second floor terrace suites! Visit our model suite located at the corner of Richmond Rd. and Leighton Terrace in Westboro or call 613.221.5926. liveqwest.com

DOMICILE

BEECHWOOD VILLAGE • THE KAVANAUGH The Kavanaugh offers village life in the city: quaint but with cachet – and just minutes from Parliament Hill. Famed bistros and bakeries line a streetscape surrounded by greenspaces, bike paths and landmarks. 613.897.7873. thekavanaugh.ca

LITTLE ITALY • NUOVO • UNITED BY ORIGINALITY Nuovo is Ottawa’s latest urban condo development brought to you by Domicile. This Barry Hobin design, situated in the heart of Little Italy, will offer unrivalled options for customization and personalization, allowing you to create a home that is truly yours. 613.728.7873. nuovocondo.ca

ORLEANS • BERGERON TERRACE Introducing Bergeron Terrace, set in Chapel Hill. Beautifully designed, quality built and affordably priced one-, two and three-bedroom terrace homes and urban flats. Conveniently located at the corner of Meadowglen and Orleans Blvd., Bergeron Terrace offers you all the best that Domicile has to offer. 613.223.5803. bergeronterrace.ca

OTTAWA • HŌM Introducing HŌM, nestled beside Ottawa’s Little Italy and Dow’s Lake. Everything’s within reach – including the price. 613.728.7873. domicile.ca

WELLINGTON WEST • ONE3ONE one3one is at the centre of the urban, tasteful and cultural Wellington West. All units with access to a rooftop terrace, rear courtyard, guest suite, fitness room, yoga room and a party room/entertainment room. Pre-register online or call 613.728.7873. domicile .ca

CAMPANALE HOMES

THE STATION • BARRHAVEN Complete with elevator and underground parking, and 12 unique designs to choose from, you can live in the “Jewel of Barrhaven.” Campanale Homes presents the centrepiece of its Longfield’s Station project, a four-story luxury condominium with one- and two-bedroom units. Visit the presentation centre, located in the model homes at 420 Via Verona Ave. Phone 613.440.3570 or visit the website for floorplans and more information at campanale.com

BARRHAVEN • LONGFIELDS STATION • TOWNHOMES • AND MORE You know you’ve arrived when you’re living in your new home built by Campanale Homes, an award-winning builder with more than 30 years of experience. Condo flats and terrace homes starting from $259,900. Loaded executive townhomes priced from $330,000. Visit the new model homes and sales centre located at 420 Via Verona Ave. in Barrhaven. Call 613.440.3750 or visit campanale.com OTTAWA SOUTH • PRINCE OF WALES ON THE RIDEAU Located just minutes to downtown via the scenic Colonel By Drive, and an easy bike ride to the scenic Hog’s Back Falls and Vincent Massey Park. This award-winning community features magnificent executive singlefamily homes, surrounded by more than 50 acres of greenspace and park bordering the Rideau River. Only a few lots remain. Call 613.440.3750 for more information or visit campanale.com ARNPRIOR • CALLAHAN ESTATES Just west of the scenic Madawaska River in old world Arnprior, this stunning location offers the best of both worlds. Enjoy the timeless charms of smaller town living while being a scant 20 minutes from major urban amenities in neighboring Kanata and Ottawa. Starting as low as $221,900. Visit the sales centre located at 2 Tom Gavinski, Arnprior, open Monday to Thursday 11 a.m. to 7 p.m., Saturday, Sunday and holidays noon to 5 p.m. Call 613.622.0033 or visit campanale.com

CARDEL HOMES

BARRHAVEN • LONGFIELDS • SINGLES • TOWNHOMES New Townhome Model Now Open in Longfields at Barrhaven. Visit 170 Longfields Drive or contact Dale, dale.laurie@cardelhomes.com, 613.290.4703 cardelhomes.com

CARLETON PLACE • STONEWATER BAY New Denali Model situated on the banks of the Mississippi River is now open. Come visit the award winning community of Stonewater Bay – 95 per cent sold out. Contact Bill, bill.walters@cardelhomes.com, 613.444.0440, cardelhomes.com

CARLETON PLACE • MILLER’S CROSSING Cardel is developing a new site in Carleton Place - Miller’s Crossing. Register for future information. Contact Bill, bill.walters@cardelhomes. com, 613.444.0440, cardelhomes.com

NOTTING HILL SOUTH • ORLEANS • CONDOS Panmount II Condos – Immediate Occupancy. Visit the Sales Centre at 141 Potts Private, Orleans, off Trim Road, south of Innes. Contact Lynne, lynne.Freitag@cardelhomes.com, 613.424.6780, cardelhomes.com

RICHARDSON RIDGE KANATA Visit this spectacular community and magnificent model homes. Visit 290 Huntsville Drive, Kanata North on Terry Fox or contact Dale, dale.laurie@ cardelhomes.com, 613.435.5706, cardelhomes.com

RIDGEWOOD ESTATES • STITTSVILLE Two and three acre estate lots now available. Buy the lot and build your own home or have Cardel design and build the home of your dreams. Located west of Stittsville on Fernbank Road. Lots now available for sale. Contact Bill, bill.walters@cardelhomes.com, 613.444.0440, cardelhomes.com

TOWNS OF BLACKSTONE • KANATA Phase II Singles now released with limited time incentives. Townhome Model Home Opening Soon with limited time incentives. Visit 100-104 Westphalian Avenue or contact Harley, Harley.wallin@cardelhomes.com, 613.836.9521, cardelhomes.com

LEMAY HOMES

OTTAWA SOUTH • FINDLAY BY THE PARK New community offering singles, bungalows and townhomes. Just a few steps to greenspace, park, recreational arena and soccer fields. Quick access to shops, restaurants and services. Starting from $324,900. Limited time bonus offer. 613.425.5255. lemayhomes.ca

LONGWOOD

KANATA • DEEVY’S HOMESTEAD Moden homes now open! Adult lifestyle attached bungalow townhomes on Equestrian Drive in Kanata. Sales Office on site. deevyshomestead.com or email salesdeevys@longwoodbuilders.com Call 613.435.2155 for more information.

HUNT CLUB • NEIGHBOURHOODS OF HUNT CLUB New adult lifestyle attached bungalow community in Hunt Club. New decorated model home and sales office on site at 105 Dean Martin. neighbourhoodsofhuntclub.com d.greene@longwoodbuilders.com or call 613.738.1349 for information.

CENTRAL OTTAWA • SONIA BY THE RIDEAU New 70 unit condominium building in Central Ottawa. Three new plans just released! Sales office with decorated model suite with unique European Extenzo Ceiling. soniacondos.com E-mail salessonia@longwoodbuilders.com or call 613.421.9736.

OTTAWA SOUTH • MONTAGE Fully Built. 36-unit Condominium building in Ottawa South. Five Model open for viewing. Move in Now only six suites remaining. Located at corner of Clementine and Ohio off bank south of Billings Bridge. montagecondos.ca Call 613.897.0044 or d.greene@longwoodbuilders.com

ORLEANS • DORIMA TERRACE HOMES Model homes now open – 50 per cent sold – final phase released. Perfect for the first time buyer or investor. Terrace homes off Innes at 10th line. For more information dorima.ca or 613.424.2901 or d.mcfee@longwoodbuilders.com

ORLEANS • MONDAVI COURT • TOWNS AND SEMIS Now open – Off Trim Road just north of Innes. 24 Townhomes and semi-detached Towns. Selling from Dorima sales office – Innes at Dorima. Register mondavicourt.ca or 613.424.2901 or email d.mcfee@longwoodbuilders.com

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BUILDERS: If you would like to include your new model home or site opening, email Nashrun.Kamaludin@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

OTTAWA / EASTERN ONTARIO / GATINEAU REGIONS

ROCKLAND • MORRIS VILLAGE Best value Single Family Homes and Bungalows. Perfect for growing families. NEW decorated Model Home and Sales Office. For more information longwoodbuilders.com/morrisvillage or 613.446.1506 or salesmorris@longwoodbuilders.com

RICHMOND • RICHMOND GATE New! Just opened! Bungalow semis in the town of Richmond. Sales office on site. longwoodbuilders.com/richmondgate or salesrichmond@longwoodbuilders.com 613.444.0494

MASTERCRAFT STARWOOD

PHOENIX HOMES

ALMONTE • WHITE TAIL RIDGE Small town feel with all the amenities of a big city and the largest lots available anywhere. Contact Liane McKinley 613.369.5842.

SPRINGCRESS

WESTBORO • RAVENHILL COMMON Only seven remain available. Freehold towns for fall 2014 occupancy. Designed by Barry J. Hobin & Associates Architects Inc. Located just two blocks from the heart of Westboro, stunning open concept two- and three-bedroom homes from 1,756 to 1,948 sq. ft. Direct access from underground parking garage, two-storey galleries and open lofts, private rear terrace and roof top decks. Ravenhill Common, Contemporary Brownstones – Churchill Ave. North, one block south of Byron at Ravenhill Presentation Centre located at 329 Richmond Rd. at the corner of Churchill Ave. North. ravenhillcommon.com. Sales information: 613.825.0080 or email salesinfo@ravenhillcommon.com

WEST CENTRAL • SOHO CHAMPAGNE Mastercraft Starwood’s SoHo Luxury Condominiums is pleased to announce its third Ottawa location: SoHo Champagne – just one block west of Preston St. in Little Italy. Register today to get an invite to our spring sales launch. sohochampagne.com

OTTAWA • SOHO LISGAR New release of suites on the 12th to 15th floors. The ultimate hotel-inspired lifestyle in a designer condominium, in the heart of downtown. Call 613.798.7646. soholisgar.com

METRIC HOMES

CARP • WESTLAKE SOUTH ESTATES Westlake Estates offers 22 estate lots on two to four acres on a private cul-de-sac and most lots are tree-covered.

MUSTANG RD • NAVAN Metric Homes’ last country estate lot in the East: beautiful fully treed and private 1/2 acre lot available to build your unique custom designed single family home. Meet the Metric team and let them design your new home at no charge to you. STITTSVILLE • DEER RUN Metric introduces the Maplewood 1 model to its Deer Run community lineup. At 3,200 sq. ft. plus open space, this home features a open loft at the second floor, circular staircase and walk in closet in most bedrooms. Visit the sales office on Rockson Crescent Saturdays and Sundays between noon and 5 p.m. or call 613.296.7000. Deer Run model home now open. metrichomes.com

WESTBORO 529 Broadhead Ave. two custom designed semi-detached homes on a 168-ft. deep infill lot. Innovative street friendly and appealing design. Two proposed concepts. The first purchaser will decide which concept will be built and will customize its new home. Priced in the $700,000s.

TAMARACK HOMES

MINTO

THE GLEBE • MINTO@LANSDOWNE Make your home in one of Ottawa’s premier neighbourhoods – the Glebe. Enjoy the best of modern living in harmony with historic surroundings, with all life’s essentials right at your doorstep. Move in as early as 2014. 613.788.2784. lansdowne.minto.com

NEW EDINBURGH • MINTOBEECHWOOD New Edinburgh is one of Ottawa’s finest neighbourhoods. Where tradition meets modern, old meets new, home to eclectic shops and restaurants. Spectacular new condominiums coming this September available from the mid $200,000s. Register now for priority preview: mintobeechwood.com

MONARCH CORP.

KANATA • BLACKSTONE Executive 46-ft. singles from $441,990. Two-storey townhomes from the high $200,000s. 32-ft. singles with double car garages from the high $300,000s. 110 Westphalian Ave., Kanata, 613.831.2619. Register at monarchgroup.net

BARRHAVEN • LONGFIELDS Courtyard townhomes with double car garages from the low $300,000s. Semi-detached homes with double car garages from the high $300,000s. 280 Longfields Dr., Nepean, 613.569.5313.

LEITRUM • FINDLAY CREEK Grand opening! Five new decorated townhome models in Findlay Creek Village. Call 613.247.0081 or visit tamarackhomes.com ORLEANS • CHAPARAL Grand opening, new gallery townhomes from $279,900 Call 613.837.1511 or visit tamarackhomes.com

OTTAWA • CARDINAL CREEK VILLAGE Grand Opening! Cardinal Creek Village. Discover a land rich in heritage and lush with vistas... a rolling landscape of walking trails and rugged ravines. Where the views of distant hills and nearby waterways frame each day, Discover Cardinal Creek Village, Ottawa’s next great community. Singles, bungalow and townhomes. Contact: Noella Francoeur at nfrancoeur@tamarackhomes.com Joy Kerr at jkerr@tamarackhomes.com 613.573.8228. Sales Centre 1123 Old Montreal Rd. Visit tamarackhomes.com

OTTAWA • TAMARACK WELLINGTON Grand Opening! Tamarack Wellington. Historic industrial meets artistic modern in the heart of Ottawa’s hippest neighbourhood. Steps from an eclectic mix of galleries, boutiques and eateries, Tamarack Wellington’s design pays homage to the history of Hintonburg, for an industrial loft look that’s crisp, urban and unabashedly modern. 52 units over six floors in first phase. Designed by Barry J. Hobin Architects. Next to the old Grace Hospital. Contact: Anna Paquette at apaquette@tamarackhomes.com 613.422.5925. Sales Centre 1140 Wellington St. W., Ottawa, ON, K1Y 2C5. Visit tamarackhomes.com

UNIFORM URBAN DEVELOPMENTS

MINTO/CANDEREL

WESTBORO • UPPERWEST A 25-storey landmark address in the heart of Westboro – just steps from upscale dining and shopping. Choose from stunning open concept suite designs, with sun drenched rooms and spectacular interior finishes. Enjoy state-of-the-art fitness centre, entertainment lounge plus an expansive outdoor terrace. 613.788.2786. liveupperwest.com

NEPEAN • STONEBRIDGE Ottawa’s award-winning golf course community. Luxurious singles from the mid $400,000s. Executive townhomes from high $200,000s. Stacked townhomes from the low $200,000s. 610 Kilbirnie Dr., Nepean. 613.692.9280. monarchgroup.net

BARRHAVEN • THE ORCHARD Grand opening for The Orchard in Barrhaven South, near Stonebridge. Single-family homes starting from $519,000. 3699 Jockvale Rd. uniformdevelopments.com

MANOTICK • MAPLE CREEK ESTATES Stunning estate lot community with a close connection to the city – the best of both worlds. Two model homes open for viewing. Call 613.491.2277.

KANATA • RICHARDSON RIDGE Single-family homes starting from $497,000. Sales centre located at the corner of Terry Fox Drive and Richardson Side Road. Call 613.853.4302.

KANATA • RICHARDSON RIDGE Three stunning model homes now open. 100 Grand Manan Circle (corner of Hunstville Drive and Grand Manan Circle.) 613.435.7751. Opern Monday to Thursday noon to 7 p.m., Friday to Sunday noon to 5 p.m., holidays noon to 5 p.m. BARRHAVEN • THE ORCHARD Stunning new townhome product now available for sale along with a new lot release. 3699 Jockvale Rd. 613.608.8079. Open Monday to Thursday noon to 7 p.m., Friday to Sunday noon to 5 p.m., holidays noon to 5 p.m.

VALECRAFT HOMES

MER BLEUE/ORLÉANS • BRADLEY ESTATES New release of single-family homes and executive townhomes. New to Bradley Estates: nine redesigned models with full-brick fronts and stone skirts. valecraft.com AUG 23 - SEPT 6, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 39

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Site Name

Prices

Builder Name

De t

Location

ac he m d i Bu ng To alo w w nh Ad om ul e/ t C Li on fe d st o yl e

ADVERTISERS INDEX

Page

WEST Almonte

PHOENIX

White tail Ridge

x x

From $353,900

Arnprior

CAMPANALE

Callahan

x x

Inquire

Arnprior

CAMPANALE

Riverwood Estates

x x x x

Inquire

Carleton Place

CARDEL

Stonewater Bay

Inquire

Carp

METRIC

Westlake South Estate

Inquire

Kanata

CARDEL

Blackstone

Inquire

Kanata

CARDEL

Richardson Ridge

Inquire

Kanata

GLENVIEW

Monahan Landing

x x

From $280's

Kanata

MATTAMY

Fairwinds

x x

From $224,990

6, 7

Kanata

MATTAMY

Monahan Landing x

From $224,990

6, 7

Kanata

MINTO

Arcadia

Kanata

MONARCH

Blackstone

Inquire

4, 5

Kanata

TAMARACK

Pool Creek Village

x x

Inquire

Kanata

UNIFORM DEVELOPMENTS

Richardson Ridge

Inquire

8, 9

Kanata

UNIFORM DEVELOPMENTS

The Orchard

$497,000.00

8, 9

Kanata

VALECRAFT

Trailwest x

Stittsville

CARDEL

Deer Run

Stittsville Westboro

From mid $200's

10, 11

From $302,400

Inquire

METRIC

Arbourbrook Estates x

Inquire

SPRINGCRESS

Ravenhill Common x

From $699,900

SOUTH Barhaven

CLARIDGE HOMES

West Pointe Village

x x x

Barrhaven

CARDEL

Longfields x

Barrhaven

MATTAMY

Half Moon Bay

Barrhaven

MONARCH

Barrhaven

x x

From $281,900

Inquire

$219,990.00

6, 7

Longfields x x

From $329,990

4, 5

PHOENIX

Felton court x

From high $290,000s

Barrhaven

TAMARACK

The Meadows

Inquire

Barrhaven

VALECRAFT

Woodroffe Lofts x

From $258,900

Leitrim

TAMARACK

Findlay Creek

x x

Inquire

Manotick

MINTO

Mahogany

Inquire

Nepean

MONARCH

Stonebridge

x x

Inquire

4, 5

Nepean

MONARCH

The Links x

Low $200's

4, 5

Richmond

METRIC

King's Grant

South Ottawa

CAMPANALE

South Ottawa

CAMPANALE

x x x x

x x x

Inquire

Longfields x

Inquire

Prince of Wales on the Rideau x

Inquire

40 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEPT 6, 2014

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Site Name

Builder Name

De t

Location

ac he m d i Bu ng To alo w w nh Ad om ul e/ t C Li on fe d st o yl e

ADVERTISERS INDEX

Prices

Page

CENTRAL Central

ASHCROFT

The Next x

Inquire

Central

VALECRAFT

Aviation Private x

From $299,900

IBC 22

EAST Cumberland METRIC

Camelot Estates

Inquire 20

East Orleans TAMARACK

Cardinal Creek Village

x x x x

From $322,900 BC

Embrun VALECRAFT

Place st Thomas

From $303,900 22

Navan CLARIDGE

Spring Valley Trails

x x x

From $276,900 13

Orleans METRIC

Notting Hill

x x

Inquire 20

Orleans MINTO

Avalon x

Inquire IFC

Orleans TAMARACK Chaperal

x x x x x

Inquire BC

Orleans VALECRAFT

x x

From $301,900 22

Bradley Estates

CONDO Central

CLARIDGE HOMES

Icon x

Inquire

C11

Central

DOMICILE

The Kavanaugh x

Inquire

C19

Central

SOHO PARKWAY

Soho Champagne x

Inquire

Central

SOHO PARKWAY

Soho Lisgar x

Inquire

C21

Central

THEBERGE HOMES

Alta Vista Ridge x

Inquire

C16

Downtown

URBAN CAPITAL

Hideaway x

From $219,900

Kanata

CARDEL

Kol At Blackstone x

Inquire

Orleans

CARDEL

Notting Hill x

Inquire

Ottawa Central

MINTO

Landsdowne x

Inquire

C13

Ottawa Central

RICHCRAFT

The Galleria x

Inquire

C17

Ottawa Central

URBAN CAPITAL

Smarthome x

From $179,900

C24

Ottawa West

MINTO

Upper West x

Inquire

C12

South Ottawa

THEBERGE HOMES

Hunt Club x

Inquire

C23

West Ottawa

QUALICUM

Woods Crossing x

Inquire

West Ottawa

WESTBORO POINT DEVELOPMENT

The Azure x

From $280,000

AUG 23 - SEPT 6, 2014 | NEW HOME & CONDO GUIDE EASTERN ONTARIO 41

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042-NHE Map 07-20-09.indd 42

42 NEW HOME & CONDO GUIDE EASTERN ONTARIO | AUG 23 - SEPT 6, 2014

Darling

North Gower

Richmond

SOUTH

Stittsville Barrhaven

Kitley

416

Manotick

Augusta

Vernon

401

Russell

Embrun

Iroquois

Morrisburg

EAST

Rockland

Morewood

Cardinal

Osgoode

Greely

Kemptville

Nepean

Smith Falls Merrickville

Vanier

Cumberland

Orleans

CENTRAL Gloucester

OTTAWA

Hull

Aylmer

Gatineau

GATINEAU

Kanata

Carp

South Elmsley

Carleton Place

Almonte

WEST

Arnprior

Bathurst

McNab

Please see advertisers ads for Site locations

Oso

Horton

QUEBEC

417

Casselman

KEY MAP Stittsville, Carlton Place, West Carlton, Nepean, Kanata, Richmond, Riverside South, Barrhaven, North Gower, Greely, Kemptville, Morewood, Orleans, Embrun, Russell, Rockland, Aylmer, Hull, Gatineau.

2014-08-19 9:26 AM

401

PURCHASE TODAY AT 2013 RATES. THIS OPPORTUNITY WILL NOT LAST LONG.

You want to live where downtown spirit meets community character. Where your prime location is your pathway to the best of Ottawa. Where bountiful green space blends naturally into your day. Where smart design shapes the experience outside and in. Where everything just clicks.

SMART CONDO LIVING AT THE HEART OF CENTRAL PARK ON MERIVALE. STARTING AT MID $200s.

QWest READY for Occupancy this Fall. Purchase today at 2013 prices. Jump the Q to savings! RICHMOND & I S L A N D PA R K

Purchase a suite at 111 Richmond Road with only a $1,000.00 deposit. Visit the Presentation Centre today for details.

LiveQWest.com Discover

West and

the excitement.

This revolutionary community is set to redefine living space in Ottawa. the beauty: brilliantly well-planned spaces, sleek finishes, beautiful views. the inspiration: art, culture and some of the city’s best shopping, restaurants and cafés right at your doorstep. Q the luxury: innovative features and services built in to a seamless residential experience. At Q West in Westboro, it all comes together to create an entirely new, vibrant lifestyle. You’ve never seen anything like it, and it’s how you want to live now.

the new you.

ashcroft-homes.com benext.ca

613-221-5913

SALES CENTRE: 300 Central Park Drive

LiveQWest.com 613-221-5926 SALES CENTRE: 101 Richmond Road Monday–Thursday noon–6, Saturday & Sunday noon–5, Closed Fridays

043-Ashcroft QWest 04-19-14.indd 1

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taste of

HINTONBURG Tantalizing tastes, arousing aromas and tempting treats! It's the Taste of Hintonburg and it's drawing foodies from all over. Make yourself at home at Tamarack Wellington and they're all but a short stroll away. Tour our fabulous Model Suite and we'll reward you with a $25 gift card for a Taste Of Hintonburg. Hurry, this offer is for a limited time only, and only one gift card per family. See sales representative for details.

FREE!

52 URBAN SUITES IN THE HEART OF HINTONBURG FROM $271,900

www.tamarackwellington.com 1140 Wellington West

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