Edmonton New Home Guide - Janurary 18, 2013 by NextHome

Edmonton Edition

Jan 18 - Feb 15, 2013 Volume 25 Issue 01

Your Best Source for New Homes

Built on a Solid Reputation since 1986

inside this issue

TIPS FOR CHOOSING THE RIGHT BUILDER

001-NH EDM Cover_01-18-13_FIN.indd 1

VARIABLE RATE MORTGAGE: IS IT THE ONE FOR YOU?

START THE NEW YEAR OFF BY ‘FREEING’ YOURSELF

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announced the appointment of Sharon Copithorne as Chief Executive Officer. Sharon is no stranger to the home-building industry or the Home Builders’ Association. Her introduction to the industry began more than 36 years ago at NuWest Development Corporation. From there she joined Edmonton Home Builders’ Association in 1989 as Executive Director and served the Association for more than 15 years. In recent years, Sharon was part of the Landmark Group of Builders team as their Human Resources Manager, and most recently, Executive Officer for Built Green Canada. Sharon brings with her a dedication to serving the Association and continually building relationships with all stakeholders.

DONATE TODAY. STOLLERYKIDS.CA With your support, the Stollery Children’s Hospital Foundation is able to provide life-saving equipment, research that paves the way for new treatments and cures, medical innovations and specialized training, so that every child has the chance to go home again.

06 New home Guide | JAN 18 - Feb 15, 2013

| New www.hometrader.ca | Volume JAN 18 21 - Feb issue 1, 2013 01 | NeW CoNdo home guide Guide 07

EDMONTON’S MOST COMPREHENSIVE “BUILDER AND DEVELOPER GUIDE” GET TO KNOW EDMONTON’S DEVELOPERS AND BUILDERS ONE STORY AT A TIME

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Finding the RIGHT COMMUNITY for your new home or condo is easier than ever.

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42 New home Guide | dec 56 38 oct 21, nov 26 23 -2012 nov dec -21, 23, jan 2012 18, 2013

JAN JAN18 18- -Feb Feb15, 15,2013 2013||New Newhome homeGuide Guide07 07

contents JAN 18 - FEB 15, 2013

VOLUME 25 ISSUE 01

Showhome Review

p.47 STERLING HOMES’ The Tyndall

features & editorials IN EVERY ISSUE

10 EDITOR’S NOTE

80 THE MORTGAGE MINUTE

Is a variable rate mortgage right for you? by Peter Kinch

COLUMNISTS

11 CHBA - ALBERTA

Tips for choosing the right builder by Jim Rivait

46 HOMEBUYERS’ HELP

Xeriscaping: What is it?

by Shane’s Landscaping and Contracting

74 QUICK TIPS

Start the new year by freeing yourself by Hellen Buttigieg

94 FUNDAMENTALLY SPEAKING

Learning as much as possible about mortgages is time well spent by Wayne Karl

HOMEBUYERS’ HELP

47 SHOWHOME REVIEW

Sterling Homes: The Tyndall by Salina Yara Halabi

101 COMMUNITY PROFILE

McConachie... the community within

82 WEB DIRECTORY

Edmonton area builders, developers and communities

104 NEW-HOMEBUYERS’ RESOURCE SECTION Mortgage calculator and rate table

IN THE NEWS

20 ESTATES AT WATERS EDGE

The Estates at Waters Edge – a lakefront community of single-family homes

COVER FEATURE ADVERTISER

Homexx Corporation SEE OUR AD ON PAGES 24 & 25

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

DIRECTOR OF SALES, WESTERN CANADA

Josh Heppner

EDITOR-IN-CHIEF, REAL ESTATE

Susan Legge ART DIRECTOR

Daiana Garay EDITOR

Wayne Karl CONTRIBUTING EDITORS

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

Jennifer Mizier 780.217.6778 Nancy Chemait 780.619.3241 PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNER

Viosa Barileva

MANAGER OF PRODUCTION

Bala Gnanapandithan NATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys

PUBLISHED BY

101

The Edmonton New Home Guide is a free publication with distribution every four weeks. Submit articles or advertising to PO Box 458. Station Main, Edmonton, Alberta T5J 2K1

district maps 012 021 027 037 051 055 057 065 075 079 087 092 093 095 099

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

EDMONTON REGION ST. ALBERT WEST NORTHWEST SPRUCE GROVE

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

STONY PLAIN SOUTHWEST SOUTH BEAUMONT LEDUC

TERMS Advertisers,

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

SOUTHEAST SHERWOOD PARK GIBBONS FORT SASKATCHEWAN NORTHEAST

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

e d i t o r ’s n o t e

New home experience

Make wise choices and enjoy the process

hen only a new home will do, those in the market will be pleasantly surprised by the exceptional value and attention to detail a new home offers. When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint. If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one: ›› Shop the mortgage market to see what you can afford before you start your hunt; ›› Obtain a lawyer who is willing to review your offer as well as help you close the home; ›› Don’t be persuaded by high pressure sales tactics while you’re out shopping; ›› Determine which options and upgrades you want as part of your offer and ensure your lender will finance what’s required, if needed; ›› To save money, consider which upgrades you could purchase and install yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction. Factors such as the cost of the home, neighbourhood, lot size and special features play a big role in your final decision. Determining which features your new house absolutely must have, and which features you could live without, should be among your first steps in the home-buying process. We hope you enjoy this issue of New Home Guide. Let us know what you think! We’d love to hear from you.

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

Resolve to plan carefully in 2013 Still-low rates provide homebuyers with an opportunity to buy, but not at any cost

he last couple months of 2012 were certainly interesting – simultaneous talk of slowdowns and soft landings in some markets, increases, upticks and value gains in others. Indeed, now more than ever, housing and economic conditions serve as reminders of how local real estate is. What’s going on in one part of the country or province or in a specific property type, may be completely different from another. On the positive side are interest rates that are still at or near historic lows, with the next Bank of Canada rate announcement to come Jan. 23. Many experts don’t expect rates to begin rising until mid-year at least, while cautioning that Canadians should not confuse cheap money – if they qualify – with free money. The BoC continually keeps a close eye on household debt and other signposts for any warnings we’re taking on more debt than we should. Your best strategy as a prospective homebuyer? Meet with your broker or banker to see how you can take advantage of these opportunities, without getting in over your head.

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

10 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

industryupdates - chba - alberta

choosing the right builder

Tips for by Jim Rivait

Choosing the right builder for

your new home is an important decision. You will work with this builder for many months while your home is under construction and live with the results for years after taking possession. Here are some key questions to ask before you choose a builder. 01 Are you experienced? Builders should be proud of their track record and willing to tell you about their background, training and experience. They should be able to detail their strengths and what sets them apart from others in the industry. They will be honest with you about what they have done for customers in the past and why they believe they can handle your project. They should be focused on your project and not see it as a sideline they can work on part-time when they have spare time. 02 How do you keep up to date with new rules? Building codes and standards are constantly being updated and revised so you need a builder who is dedicated to knowing the latest rules. Ask how they monitor new rules and give examples of how things have changed. 03 What do previous clients think of your work? Contact people who bought from

jim rivait Jim Rivait is Executive Officer of CHBA Alberta. Starting his career working in government, Jim spent the last decade working in the private sector specializing in government relations, advocacy, strategic communications, policy development/ analysis and association management.

the builder in the past to assess how satisfied they are with their new home. Ask if the project was completed on budget and on time, whether the builder was easy to talk with, understanding, helpful and readily available when issues arose. 04 Can we visit current work sites? Tour a home under construction and meet the site crew. The building site offers a preview of what your experience will be and clues to how the company operates. Check whether the site is kept clean and orderly and that materials are stored properly. 05 What after-sales service does your company provide? Professional builders stand behind their homes with an after-sales service program. Ask the builder to explain the program in detail, including what’s covered, how to request service and the typical response time. A key issue is whether your new home will be covered by a warranty. The Alberta government has approved legislation requiring warranties on all new homes but it won’t be in effect until this fall at the earliest. Skimping on warranty protection now could leave you exposed to serious problems later. All CHBA - Alberta members provide coverage though the Alberta New Home Warranty Program. 06 Are you a member of the Canadian Home Builders’ Association – Alberta? Membership in CHBA - Alberta is a strong indicator that a new home builder is a professional who is in the business for the long term. Members agree to the CHBA’s Code of Ethics, which is based on principles of fairness, integrity and consumer satisfaction. Members have access to resources that help them stay informed about technological advances, regulations, products, materials, financing and design innovations. Home building takes the skills, expertise and cooperation of many suppliers and trades. Builders who belong to the CHBA have access to a network of professional companies and individuals providing services to the residential construction industry. Building a new home is a complicated business and these days it requires a lot more than a little experience, a few tools and a pickup truck. Spend time picking a builder who has proven themselves in the past and is dedicated to satisfying their customers. Then you can move on to exciting stuff – like picking the fixtures and finishes that fit your style – with confidence that you will be happy with the final result. For more advice for new home buyers check the CHBA - Alberta website at chbaalberta.ca The Canadian Home Builders’ Association - Alberta represents more than 1,500 business members including new home builders, renovators, developers, trade and supply companies and professional services. JAN 18 - Feb 15, 2013 | New home Guide 11

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28A

EDMONTON & REGION Check Each Area District Map For More Information

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12 NEW HOME GUIDE | JAN 18 - FEB 1, 2013

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Call Dennis for a Private Consultation 7 8 0 - 2 2 1 - 3 8 3 8 visit a showhome or website for details macmitch-homes.com JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 13

CAN’T WAIT TO BE OUT WITH THE OLD? Move-in to a new ready home

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BRAND NEW, ENERGY EFFICIENT, AND MOVE-IN READY Buying a resale home does have the convenience of a quick turnaround, yet it comes with the hassles of inspections, renovations, updating appliances, and the list could go on. Purchasing a New Home can eliminate these stresses, yet most of the time it comes with months of waiting for it to be built. What if you could have all the benefits of building a home, such as modern designs, brand new appliances, and a new home warranty, all without the wait?

Ring in the New Year with a new home! Find yours in one of Landmark Group’s many communities and take advantage of our Ready Homes – brand new and move-in ready. Every Landmark Home is built with quality structure, designer finishes, and energy efficient features that come standard. With a wide variety of spacious, open-concept floor plans, you’re sure to find a Ready Home to suit any part of your life.

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www.landmarkgroup.ca 15

18 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 19

inthenews

The Estates at Waters Edge

RECREATIONAL LAKEFRONT PROPERTY HAS LONG BEEN THOUGHT

of as a summer treat. You choose a weekend in May or June to open up your cottage and try to squeeze in as much time there before the leaves and the snow fall. There is, however, a new development in Alberta that offers year-round lakeside living. Whether you’re looking for a weekend retreat or permanent residence, The Estates at Waters Edge, located 45 minutes west of Edmonton at Lac St. Anne, is a Lake Front community of single-family homes. This secure, gated development is situated on a half-mile of south-facing lakeshore. Summer includes boating, water sports, fishing, walking and biking along the numerous pathways, enjoying barbecues on the deck and watching a beachfront sunset, or visiting one of the various golf courses in proximity. Winter brings a whole new list of outdoor activities, including snowmobiling, cross-country skiing, snowshoeing, great ice fishing, skating and warming up at the fire pits. The Estates at Waters Edge has an outdoor NHL-sized ice rink, complete with skate change and warm-up rink side facility for skaters and hockey enthusiasts. Waters Edge is a four-season community development with activities year-round. On-site a private boat launch and maintained marina is included for your carefree boating enjoyment. For social gatherings, a clubhouse, including a kitchen, dining area and games room, can accommodate small groups and large, community events. The clubhouse is great for getting everyone together for a private function or community social gatherings. Residents can also enjoy the beachfront recreation area, children’s playground, on-site walking/cross-country ski trails and future development includes a fitness centre, hot tub and outdoor swimming pool to complement existing amenities. The project’s popularity to date has been attributed to the overall hassle free concept of the Waters Edge experience. Prospective buyers can choose their select lot; as well select their choice and size of Craftsman style residence. Floorplans range from two to four bedrooms and 1,150 to 2,000 sq. ft. All are finished in the Craftsman style in your choice of colours, which feature fully landscaped yards, paved driveway, parking pad, exposed aggregate sidewalks. Optional garages and additional storage in the secure storage yard on-site for your recreational toys are also available on-site. Additionally, residences come complete with a 10-year Progressive Home Warranty to ensure home construction quality. Homes are designed so that the living areas take full advantage of the great lake views. Plans can be customized to make the layout and room sizes suit each individuals needs. All designs are done in-house by the Waters Edge Architecture lead design team, so the turnaround time for consultation and final design plans is very fast. Most home builders charge a fee with any changes to their plans, while this is part of a service that is provided to an owner who chooses to build with Waters Edge. Owners can also choose to buy the lot and bring their own builder. The proposed design just has to fit within The Estates at Waters Edge architectural and landscaping guidelines.

20 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

Upgrades are also available to the homes, including granite countertops, gas fireplace, central vac system and a detached or attached garage. The interiors of these homes come in a variety different high-quality finishing packages, with energy-efficient designs and six low-energy appliances. R-20 insulation is used in the walls and R-40 in the ceilings. Use of high efficiency furnaces provides that the homes are built to high efficiency standards and save on utilities. A monthly maintenance fee ensures maintenance of all the common areas (such as clubhouse, marina, playground, beachfront recreation area and boat launch). The fees also include water, sewage and a full-time on-site manager. There are lawncare and winter snow shoveling services also available. The area surrounding Waters Edge offers a healthy list of amenities. A convenience store and gas station are a few blocks away. Onoway and Alberta Beach offer retail services including grocery and liquor stores, restaurants, gas station, public library, hair salon, dollar store, hotel and golf course. Schools are nearby and the Barrhead and Stony Plain hospitals are only 25 to 30 minutes away. The proximity to Edmonton is a major selling point for The Estates at Waters Edge. A short drive can get you to your lakefront home in no time. Many of the purchasers, however, are not from the Edmonton area. Residents include people from Peace River, Fort McMurray, Whitecourt and Calgary. They have found The Estates at Waters Edge to be the best value and location for this type of property in Northern Alberta. Lot prices start in the low $100’s, and two-bedroom residences with a completely landscaped lot start in the low $300’s! Onsite showhomes are available for immediate possession. Call Mike at 780.405.6378 or 1.877.405.1105 or visit watersedgeestates.ca

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1 RH ESTATES IN KINGSWOOD

5 erin ridge

2 Pinnacle Ridge Estates

6 THE MANORS OF OAKMONT

DEVELOPER: Canterra Developments Corp. BUILDERS: Open LOCATION: Poirer Ave, just off Sir Winston Churchill Ave.

DEVELOPER: Pinnacorp Investments Inc. BUILDERS: Homes by Design Innovation Inc., Heredity Homes, Davery Consulting & Custom Homes, Marco Antonio Homes, Kingsgate Homes Master Builder, Ironstone Homes, Alves Construction Inc., Caliber Master Builder Ltd., SamTon Homes Ltd., Open LOCATION: Sturgeon Road to Starkey Road and Bellerose Drive

3 Lacombe Park Estates

DEVELOPER: Genstar Development Co. UILDERS: OPEN B LOCATION: Giroux Rd. & Lacombe Dr.

4 North Ridge

DEVELOPER: Genstar Development Co. BUILDERS: Homexx Homes, Ironstone Homes, C2 Homes, San Rufo Homes, Vista Homes LOCATION: Northridge Dr. and Giroux Rd.

DEVELOPER: Qualico Communities BUILDERS: Daytona Homes Master Builder LOCATION: Coal Mine Road and Everitt Drive.

DEVELOPER: Melcor Developments Ltd. BUILDERS: Sarasota Homes, Homes by Lenden LOCATION: Bellerose Drive to Oakridge Drive to Otter Crescent

7 THE elements of erin ridge

DEVELOPER: Landrex UILDERS: Bedrock Homes, Daytona B Homes Master Builder, Parkwood Master Builder, Gannet Homes Master Builder, 4 Pillar Homes LOCATION: Directly adjacent and north of Erin Ridge off Coal Mine Road.

9 THE BRICKYARD

DEVELOPER: Melcor Developments BUILDER: Sarasota LOCATION: Bellerose Drive east of Brick Place on Oak Vista Drive

10 GREYSTONE MANOR

DEVELOPER: VIP Development Group Of Companies BUILDERS: Open LOCATION: North on St. Albert Trail and turn right onto Coal Mine Road

11 Upper Manor Pointe

DEVELOPER: Upper Manor Pointe BUILDERS: Open LOCATION: Corner of Coal Mine Road & Starkey road

8 RIVERSTONE POINTE

DEVELOPER: Riverstone Pointe Inc. BUILDERS: Heredity Homes, Homes By Design Innovations, Marco Antonio Homes, Kingsgate Homes Ltd Master Builder, Audie Benson Estate Home LOCATION: Sturgeon Road to Starkey Road, Right on Trestle Ridge Road

ST. ALBERT YOUR BUILDER FOR CUSTOM HOMES, FARMS & ACREAGES OVER 42 YEARS OF “SOLID VALUE” CONSTRUCTION

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22 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

Lots for Sale

ST. ALBERT

Regency Heights Estates

is an established single family community of prestigious homes edged by mature trees and a large conservation area. Close to the Sturgeon River, Red Willow Park and Servus Place. Our strict architectural controls will protect your investment. Oversized lots accommodating three car garages, some backing onto walkways or park.

PURCHASE LOTS DIRECT FROM THE DEVELOPER

www.canterradevelopments.com 780.413.7150

NOW PRESELLING INTO HARVEST RIDGE STAGE 12C & 13 AND SOUTHFORT MEADOWS

Show Home Locations The Elements of Erin Ridge North 10 Executive Way North, St Albert 780-733-7920 Harvest Ridge – Single Family 188 Harvest Ridge Dr., Spruce Grove 780-733-7922 Harvest Ridge – Rear Parking Lane 11 Hewitt Circle, Spruce Grove 780-733-7923 North Ridge 133 Northridge Dr., St. Albert 780-733-7921 Southfort Estates 9 Greenﬁeld Bend, Fort Saskatchewan 780-733-7924 Southfort Meadows 404 Meadowview Drive North Fort Saskatchewan Spruce Ridge Gardens Under construction Spruce Grove West Haven Park 2 New Showhomes Opening 2013 Leduc Showhome Hours: Mon-Thur 3-8pm, Weekends & Holidays: 12-5pm Ofﬁce: 780.489.3028 sales@homexx.ca

HOMEXX.CA

Homexx Corporation A company with staying power

As consumers in the twenty-first century, we’re spoiled for choice. Whether shopping for a new TV, a pair of shoes or yes, even a home, we have options galore. That’s why, especially when it comes to building a home, it’s of the utmost importance to find an

and service awards. They’re upstanding

established company with a solid reputation.

members of the Canadian Home Builders

Homexx Corporation has been building homes in the Edmonton area

Association – Edmonton Region, the Better

since 1986. For over 25 years, it has been their goal to provide a

Business Bureau, and 25+-year members of the

positive customer experience while building high quality, customized

Alberta New Home Warranty Program.

homes for their customers. It’s easy to conclude that their focus on strong

Homexx Corporation currently has

customer service has ensured their success and good reputation in our

showhomes in six area communities. You’ll

competitive homebuilding business.

find immaculate examples of their estate

“We strongly believe that our customers should be able to make

homes in Southfort Estates (Fort Saskatchewan)

their houses their own. That’s why we enable you to do what you want

and Northridge (St Albert), single-family

in terms of customization,” says Delia Addessi of Homexx Homes. “We

attached homes in Southfort Meadows (Fort

also believe that all of our customers should have the same opportunity to

Saskatchewan), Erin Ridge (St Albert), Harvest

customize as one another, so no matter what you’re building—from starter

Ridge (Spruce Grove) and West Haven Park

to estate homes—you can customize how you want.”

(Leduc). Harvest Ridge and West Haven Park

Of course, they don’t just leave customers to their own devices. Along

also feature some of Homexx’s rear-laned

with a very knowledgeable, accessible and hands-on staff, they offer

homes. Addessi is quick to point out that

starter packages like gourmet kitchen packages or a décor packages to

Homexx also builds on acreages or other

springboard you into customization.

sections of land.

Addessi: “Today, there are more options to upgrade than ever before, especially thanks to the internet and design shows. We see a lot of people wanting things like custom showers or unique fireplaces. We’re happy to translate what people see out there into their own homes.” Along with plenty of kudos from their customers, Homexx has received acclaim from the industry over the years through numerous SAM Awards

For more information about Homexx Corporation, their products and current projects, visit homexx.ca or head over to one of their showhomes (Monday to Thursday from 3–8pm and weekends from 12–5).

JAN 18 - Feb 15, 2013 | New home Guide 25

WEST

Backyard Bliss Savour the joys of life without ever leaving home. 199 Street

Hampton

62 A ven Market ue

44 Ave

Lessard R o a d

26 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

DEVELOPER: Touchmark BUILDERS: Phase 1: Westhill Construction Ltd. Phase 2: Celebration Homes LOCATION: 183 St & Lessard Road

7 COPPERWOOD

DEVELOPER: The Grange South West Property Corporation BUILDERS: Open LOCATION: Hemingway Rd. & 199 Street (between 45 Ave. & 62 Ave.)

west

6 TOUCHMARK

8 CAMERON HEIGHTS 35 Ave.

1 LEWIS ESTATES

DEVELOPER: Cameron Heights Joint Venture BUILDERS: Canyon Spring Master Builder, Hillview Homes Master Builder, Landmark Homes, Darren’s Homes, Classic Landmark Homes, Pacesetter Homes, Kanvi Homes, Marcson Homes, Look Homes LOCATION: South on Anthony Henday to Cameron Heights Drive.

DEVELOPER: Lewis Estates Communities Inc. BUILDERS: ReidBuilt Homes, Challenger Homes, Landmark Homes, Western Living Homes, Canyon Spring Master Builder, Marquee Homes, Paulmac Developments, Lincolnberg Homes, Lincolnberg Communities MEADOWLANDS ESTATES Homexx Corporation, Western Living Homes,Canyon Spring Master Builder, Stonegate Developments MEADOWLANDS Encore Master Builder, Landmark Legacy Homes, Lincolnberg Homes SUDER GREENS Reid Built Homes, Challenger Homes, Landmark Homes, Hillview Homes LOCATION: West of Anthony Henday on 87th Ave.(Webber Greens Dr.) WEBBER GREENS Estate Homes-Western Living Homes, Canyon Spring Master Builder, Marquee Homes, Move-Up Homes-Landmark Homes, Challenger Homes, Reid Built Homes

2 WEDGEWOOD

DEVELOPER: Reid Worldwide Corporation BUILDERS: ReidBuilt Homes LOCATION: Corner of Lessard Road & 180th Street

3 THE PROPERTIES OF DONSDALE

DEVELOPER: Alldritt Land Corporation LP BUILDERS: Open LOCATION: 178 Street south to Lessard Road turn on Danbury Boulevard & follow the signs

4 PARKLAND

DEVELOPER: Brookfield Residential BUILDERS: Daytona Homes Master Builder, Parkwood Master Builder, Park Royal Homes, Landmark Homes, Canyon Spring Master Builder, Brookfield Homes, Sterling Homes, Classic Communities. LOCATION: 199 Street & 62 Avenue (Callingwood Rd)

5 HAMPTON TERRACE

DEVELOPER: Qualico Communities BUILDERS: Rohit Communities, Sterling Homes LOCATION: 199 St. just south of 45 Ave.

Good neiGhbour Act #9 Getting a welcome to the neighbourhood gift from your new neighbours as soon as the moving trucks pull out of the driveway.

SHOW HOME HOURS: Monday to Thursday 2 - 8pm

Weekends & Holidays Noon - 5pm Fridays - Closed

9 HAMPTON POINTE

DEVELOPER: Beaverbrook Developments BUILDERS: MacLachlan & Mitchell Homes, Bedrock Homes, Dolce Vita Homes LOCATION: Take Anthony Henday, turn West on Lessard Road.

10 GRANVILLE

DEVELOPER: Alldritt Land Corporation LP BUILDERS: Alldritt Homes, Bedrock Homes, Crimson Cove Homes, Infiniti MasterBuilt, Kanvi Homes, Kimberley CustomBuilt, Pacesetter Homes, Parkwood Master Builder, San Rufo Homes LOCATION: SW corner of Whitemud Dr. and Guardian Rd.

11 SECORD

DEVELOPER: Hopewell Residential Communities BUILDERS: Daytona Homes Master Builder, Innovations by Jayman, Jayman MasterBUILT, Prominent Homes, Sabal Homes LOCATION: North of Whitemud Dr. on 215 Street

12 WOODHAVEN -EDGEMONT DEVELOPER: Walton Development and Management LP BUILDERS: Montorio Homes, Coventry Homes, Sabal Homes, Pacesetter Homes LOCATION: 199street and 35 ave

It’s the people... that make Secord special!

LiveInSecord.com 27

WEST

30 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

WEST

Being new to the neighBourhood is easy in secord show homes Now oPeN!

(HWY 16A)

ANTHONY HENDAY DRIVE

SECORD BLVD

ROAD WINTERBURN ROAD

STONY PLAIN

TAKE STONY PLAIN ROAD TO WINTERBURN ROAD AND FOLLOW THE SIGNS

SHOW HOME HOURS: Monday to Thursday 2 - 8pm | Fridays - Closed Weekends & Holidays Noon - 5pm

WHITEMUD DRIVE

DAYTONA  PROMINENT  SABAL  jAYMAN MASTERBUILT  INNOVATIONS BY jAYMAN

LiveInSecord.com 31

WEST

Just Released Stage 5A Estate Lots Now Available! Alldritt Land Corporation is proud to announce the selection of our distinguished estate builder group: Infiniti Masterbuilt, Kanvi Homes, Kimberley Custombuilt, Parkwood Master Builder, and San Rufo Homes. This exciting combination of great builders ensures that all new-home buyers are able to find the perfect home to fit their personal tastes and lifestyle needs. Estate Show Homes are now under construction and will open in the spring of 2013.

Modern Style Living With Traditional, Classic Charm. Whitemud Dr.

DUPLEX SHOWHOMES SHOWHOMES

Gua

rdia

n Rd .

COSTCO

199 St. Nw

STAGE 3A

Anthony Henday Dr.

Winterburn Rd. (215 St. Nw)

Edmonton Marriott At River Cree Resort

Only a handful of single family Stage 1 and 3A homes and lots remain.

2A lots just released are going fast. 2B duplex lots just released (no condo fees), some with walkouts. Some homes available for immediate occupancy.

Come Home to Granville!

Font: The Sans - Sans Caps Colours: black + PMS 484

WWW.MYG R ANVI LLE.COM PROUDLY PRESENTED BY AN ALLDRITT GROUP COMPANY

WEST

We all have the best intentions for new years resolutions, but 9 out of 10 they fall short. This year, why not make resolutions to maintain and even improve your space? Here are 10 resolutions you’ll have a really good shot at fulfilling – Happy New Year, here’s to creating a beautiful space!

10 New Years Resolutions for Your Space:

1. ADD DECADENT COMFORT. What would you love to have? How about a steam shower or a fireplace by your bathtub? Maybe you’d love a TV in the kitchen to cook along with your favorite show, or that gorgeous dining room table you’ve always wanted. Pick one and go for it.

3. GO GREEN. Take a look at your appliances, water and cleaning agents. Can you replace old with new more efficient ones? You may want to take a look a shower heads, toilets to help save on water. Replace harsh chemicals with earth and air friendly cleaning products.

2. SCHEDULE YOUR HOME. We are all pressed for time these days, and our homes are really starting to show it. Set up a schedule to ensure certain tasks will get done and that you are well prepared in advance.

4. PLANT & BEAUTIFY. Add a new flowerbed or a unique planter. Add a water garden or a get that gorgeous stone bench for under the tree in the back yard. Simple ideas to revitalize your yard and make it more inviting.

5. TECH UPDATE. Go wireless, or have a technology expert give your home a quick review. Add new features like a home music system, or movie organizer. Mount your TV sound surround system instead of having speakers stacked every where. For the tech expert, try Systems at 780-434-6666.

6. GOOD CLEANING. Both inside and out - it’s amazing how good you feel when your home is clean and organized. Hire a cleaning company to pressure wash the roof, siding, windows, driveway, porches and walk-ways. Grout on your tile floors dirty? Hire a flooring company to come in and clean and re-seal it. Don’t forget your ducts and carpets – have them steam cleaned too!

9. ITS ALL IN THE DETAILS. Adding small touches, or making simple changes can have a big affect on the impression of a room. From a fresh bouquet of flowers, to a gorgeous new colourful vase, crown moulding or framing out a builders bathroom mirror can have huge impact with minimal cost and effort.

10. REFRESH. What do you need to do - replace old worn furniture, update light fixtures? Try a new area rug or purchase a piece of wall art. Tie in your colours from that new purchase with accessories and toss cushions. Don’t forget wallpaper – has huge impact on refreshing any space.

7. TAME THE GARAGE. I’ve found with garages they are either sparse and well organized, or completely out of control! If your the later, edit out all the old and organize the must keeps. Don’t forget to pressure wash the cement pad of all that winter muck. 8. ENERGY AUDIT. Reduce your energy bills and greenhouse gas (GHG) emissions by improving your home’s insulation, and inspect your gas fireplace to ensure it is clean and working properly. You can save 30% on your energy bills just by improving your insulation. Check your local area for inspectors that offer energy audits in your area, or call the City of Edmonton at 311 to see if they are offering any rebate programs.

Resolve to make your living space more enjoyable and to better reflect your style. Gone are the days of boring brown and gray – add colour, even a little for texture and whimsy. It’s a new years resolution that will benefit your entire family. Photos shown are compiled for a steam punk scheme, items are from Chintz and Currey and Co., wall paper is a custom design.

NORTHWEST

Lots available to the public

Half acre lots close to the city with full city services, reasonable taxes and more!

265 36 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

The rolling terrain and elevation of our new phase has created some remarkable lots. Contact us today to reserve your lot.

780.421.7272

rT ra

170 St.

112 St.

132 Ave. 127 Ave.

1 castlebrook meadows DEVELOPER: Concept Realty BUILDERS: Concept Homes LOCATION: 179 Ave. & 104 St.

2 Castlebrook

DEVELOPER: Canterra Developments Corp. BUILDERS: Open, Urbanity Homes LOCATION: 110 St. & 176 Ave.

3 Hawks Ridge at Big Lake

DEVELOPER: Walton Development and Managment L.P BUILDERS: Sabal Homes, Montorio Homes, Morrison Homes, Reid Built Homes LOCATION: North of Yellowhead Trail on 215 Street

Kin gs wa yA ve. 111 Ave.

DEVELOPER: Reid Worldwide Corporation BUILDERS: Fekete Homes, Rococo Homes LOCATION: backing onto Lois Hole Provincial Park at Big Lake

DEVELOPER: United Communities BUILDERS: OPEN LOCATION: North corner of 127th Street & 195 Avenue

9 PALISADES 109 St.

124 St.

Groat Rd.

142 St.

149 St.

118 Ave.

To Spruce Grove & Stony Plain

7 Morningside

8 TUSCANY HILLS & UPPER TUSCANY

Yellowhead Trail

156 St.

184 St.

Anthony Henday Dr.

135 St.

137 Ave. il Tra ert Alb St.

162 Ave. 153 Ave. 121 St.

5 12

97 St.

sie

113A St.

167 Ave. 127 St.

DEVELOPER: Qualico Communities BUILDERS: Sterling Homes, Pacesetter Homes, Coventry Homes, Reid Built Homes, Showhomes now open LOCATION: North of 167 Avenue & East of 127th Street

195 Ave. 176 Ave. 1 10 2 171 Ave.

139 St.

An th on yH en da yD r.

215 St. (Winterburn Rd.) Ray Gibbon Dr.

Hwy 44

To St. Albert

足northwest

6 newcastle 8

4 Village At Griesbach

DEVELOPER: Canada Lands BUILDERS: Homes by AVI, Dream Homes by Krisner, Coventry Homes, Landmark Legacy Homes, Greenboro Homes, Pacesetter Homes, Abbey Lane Homes, Christenson Developments LOCATION: 137 Avenue North On 97 Street West on Griesbach Road

5 Trumpeter by Big lake

DEVELOPER: United Communities BUILDERS: Estate Homes- Fekete Homes, Montorio Homes Classic Homes- Homes by Avi, Sabal Homes, Montorio Homes, Sterling Homes Duplex- Rohit Communities, Homes by Avi. Townhomes- Rohit Communities. LOCATION: North on Anthony Henday Drive, West at 137th Ave. and 199 St.

DEVELOPER: MLC Group BUILDERS: Bedrock Homes, Landmark Communities, Landmark Homes, Landmark Legacy LOCATION: South of 167th Avenue & East of 139 Street

10 legacy pointe

DEVELOPER: Concept Realty BUILDERS: Concept Homes Master Builder LOCATION: 18230 - 104A Ave.t

11 LEGENDS ESTATES

Developer: Kingsgate Homes Legends Estates Ltd. Builders: Kingsgate Homes, open Location: Highway 16 & Highway 44

12 STARLING AT BIG LAKE

DEVELOPER: Rohit Land Development BUILDERS: Celebration Homes, Kirkland Homes, Green Living Homes, Rohit Communities LOCATION: North on Anthony Henday Drive, take Ray Gibbons Drive, left on 137 Ave

Build Your Nest Here! Live surrounded by nature with all the amenities of the city just minutes away

StarlingAtBigLake.com

170 St

Ave

184 St

199 St Glendale Golf & County Club

118a

215 St

Celebration Homes 780-224-5689 Kirkland Homes 780-906-1033 Green Living Homes 780-699-1616 Rohit Communities 780-938-5478 Cameron Homes 780-242-8774 Coming Soon!

137 Ave

Anthony Henday

Showhomes Now Open:

215 St

231 St

Ray Gibbon Dr

Balanced living at its best! Adjacent to Big Lake and the Lois Hole Provincial Park, Edmontonâ&#x20AC;&#x2122;s newest northwest neighbourhood features ravine-backing lots, 3km of walking trails and an abundance of outdoor life. Immediate possessions also available. Only minutes from St. Albert!

Visit the showhomes at 137 Ave & Ray Gibbon Drive

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 39

northWEST

40 New home Guide | JAN 18 - Feb 15, 2013

Y IT E N M N BA HO PE UR OW O SH OW N

BUY LOTS DIRECT FROM THE DEVELOPER w

N 99 S t

St 104

97 Street

107 St

S 110

112 Street

176 Ave.

780.413.7150

• Large walkout lots backing onto the lake • Building pockets from 34 to 52 ft • Choose your own Builder

167 Ave.

canterradevelopments.com

41 NEW HOME GUIDE | AUG 5 - SEP 2, 2011

Castlebrook is an architecturally controlled neighbourhood which protects the value of your investment.

northWEST

42 New home Guide | JAN 18 - Feb 15, 2013

HE ND AY

ANTHO NY NDAY DR. ONY HE ANTH

EAD WH YELLIOL TRA

NS DR. BBO GI

TO SPRUCE GROVE

HAWKS RIDGE BLVD.

WINTERBURN RD. (215th ST)

DR .

NORTHWEST

TO EDMONTON

northWEST

homebuyers’help

Xeriscaping What is it?

by Shane’s Landscaping & Contracting Ltd. In short, xeriscaping means using creative

landscaping to conserve water. The technique uses native plants which are best suited to the area. While this approach started in high drought areas, it is broadening in its appeal in all geographic areas. What are the Benefits? » Saving water is the key benefit of this technique. We apply 50 per cent of our residential water to plants and lawns. This technique can reduce this water usage by 50 to 75 per cent. » Minimal maintenance, which consists of occasional pruning and weeding. » Save on fertilizers and pesticides, which are usually unnecessary because sufficient nutrients are provided by healthy, organic soil. » Reduce pollution, because the more of your yard you xeriscape, the less turf areas you have to mow, possibly allowing you to change to a reel mower. » Raise your property value with xeriscaping which can also offset the cost of the installation. » Provide a natural wildlife habitat through the use of native plants. You can start designing your xeriscape yourself, but we suggest you draw out plans before you begin, or hire a professional designer. Plan your property from an aerial view if possible. While we can’t tell you everything about xeriscaping in this article. here are a few more basic principles and suggestions: » Study the natural drainage patterns, hills and valleys of your property. You may want to add interest through terraces, rocks, timber and other natural elements. » Think about areas for seating, walkways, outdoor dining and any other activities. » T here are more great ideas for xeriscaping from improving your soil to mulching, irrigation, ground cover and maintenance. Call a professional Hiring a qualified professional with the proper knowledge is a great place to start. Most homeowners underestimate the work associated with landscaping the yard of new home. Many of the procedures are tedious, lengthy and 46 New home Guide | JAN 18 - Feb 15, 2013

very labor intensive, often including several pieces of large equipment. Do-it-yourselfers… beware. In order to achieve the stylish and functional yard you desire to complement your new home, hiring a qualified landscaping contractor to get the job done is a wise first step. A quality outdoor living space will not only make you the envy of the neighborhood and be a welcome sanctuary for your family, children and pets for years to come, it will also increase the value of your home. It is important to hire a landscaping contractor that has extensive experience in the industry and is a full service landscaping company. A good landscaping professional should have a website with a photo library of previous landscaping projects. Browsing through and looking at homes with beautifully landscaped yards will surely get your creative juices flowing. Shane’s Landscaping & Contracting Ltd. specializes in residential, estate and acreage landscape construction. From patios to water features, driveways, retaining walls, lighting, walkways, fences, irrigation, garden beds, boulders, barbecue, fire pits and the new synthetics grasses, we can help make your landscaping beautiful. Planning your landscaping is an exciting time and we are here to help. Our team of friendly knowledgeable and hardworking staff can make your landscaping dream a reality. Call us now for a consultation. Shane’s Landscaping & Contracting Ltd. is locally owned and operated, providing landscaping and snow removal services to Edmonton and surrounding area. Call us for a consultation at 780.983.8233 or visit shaneslandscaping.com

showhomereview

Sterling Homes: The Tyndall by Salina Yara Halabi

elcome to Sterling Homesâ&#x20AC;&#x2122; beautiful showhome located in the coveted community of Newcastle. This 1,957-sq.-ft. two-storey home is filled with high quality design features and details that are sure to catch the eye. Situated just moments away from Anthony Henday Drive, the location of this home is ideal for those who want the convenience of being near first-rate amenities, while being surrounded by a calm and charming neighborhood. Residents of Newcastle are minutes away from restaurants, shopping and entertainment â&#x20AC;&#x201C; plus a peaceful community lake and serene greenspaces that feature landscaped walking trails are all found within the community. Walk into this lovely home you will find yourself in the grand two-storey foyer. Open to the second level of the home, the foyer creates an open and airy environment.

A grand staircase with iron rod detail and dark wood accents carry your eye upwards, while grey warm toned ceramic tile invite you into the space. A large closet found to the right of the entrance allows for plenty of room to tuck away coats and shoes. Four inch, double-stacked baseboards line the walls throughout the home and instantly create a deluxe feel to each space. The main floor of the Tyndall features a spacious open concept living environment. Beautiful rich toned hardwood floors line the great room, kitchen and nook area creating a seamless design. Adding warmth to the area is the modern gas fireplace that is focal point of the room. Accented with tile, the fireplace is found on a sophisticated wallpaper-lined feature wall. Large windows face the backyard of the home and allow for natural light to fill the space.

showhomereview

A central kitchen island with a raised eating bar adds additional seating to the area, and features a stunning antique brown granite countertop. Open to the great room is the impressive kitchen. A central kitchen island with a raised eating bar adds additional seating to the area, and features a stunning antique brown granite countertop. The kitchen sink is found in the island – a great design feature that allows for extra counter space throughout the kitchen. An abundance of striking maple cabinetry, complete with crown molding, frame the space and add to the elegant feel of the kitchen. Continuing through the kitchen you will find the nook area which has enough space to comfortably seat a table of six. The nook features a window lined wall and leads to the home’s back deck. This main floor space is ideal for entertaining family and friends. Also found on the main floor is the substantially sized mudroom and laundry. 48 New home Guide | JAN 18 - Feb 15, 2013

This large space can be accessed through the double car garage entry as well as through the kitchen pantry. The mud room features a washer and dryer, as well as a convenient sink and cupboard space. A large coat closet is found in the mud room – great for storing any seasonal clothing. A main floor bath suitably located next to the mudroom completes the main level of the home. Neutral toned carpet leads to the second floor and features a seven pound underlay. Reaching the second floor you will find that this upper level is just as spacious as the main floor. A charming sunken bonus room with a large oversized window is also found to the right of the staircase. This room provides great functionality, and offers enough space to comfortably seat the entire family – plus an entertainment unit! On the opposite side of the bonus room is the master bedroom, which is a large inviting space that will fit a king size bed. A generously sized walk-in closet allows for plenty of storage space, and a substantial ensuite features a luxurious jetted tub that is surrounded by tile. A large walk-in shower is also found in the ensuite. Two additional bedrooms each providing large closets, and generously sized windows are found on the second floor of the Tyndall. A full bath with full width mirror is situated next to the second bedroom, and two linen closets, also located on this second floor, ensure storage space is always available. Sterling Homes is a Canadian-owned family company that has grown over the past 50 years to become one of

Edmontonâ&#x20AC;&#x2122;s most respected home builders. Providing well-designed, award winning floorplans, Sterling Homes ensures customers have a well built home that they can be proud of for years to come. Visit the showhome at 12416-171 Ave., Monday to Thursday 3 to 8 p.m. or noon to 5 p.m. Saturday and Sunday. For more information on this showhome or other Sterling Home product, call Mike Gonek at 780.757.9181 or visit sterlingedmonton.com

JAN 18 - Feb 15, 2013 | New home Guide 49

SPRUCE GROVE

50 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

AREA INFO

Millgrove Dr.

8 Hawthorne Gate

9 11

iew Dr.

1 Grove Dr.

Woodhaven D r.

McLeod Ave. Highway 16A

Brookwood

2 5

16 Jubilee Park

Lon gv

Century Rd.

King St.

Dr.

Calahoo Rd.

Grove

Calahoo Rd.

Jennifer Heill Way

Spruce Ridge Dr.

Spruce Ridge Road

Aspenglen Dr.

To Edmonton

Grove Meadows

Dr. Drive

McLeod Ave. To Edmonton

Pioneer Rd.

Highway 16

•P opulation: 21,500. • Located: 11 km west of Edmonton on Hwy 16 or 16A. • SCHOOLS: 9 Public & Separate Schools. • Grocery: 11 Grocery/ Convenience stores, Safeway, IGA Garden Market, The Real Canadian Superstore & Walmart. • Recreational Facilities: Twin Ice Arena, Curling Rink, Golf Course, TransAlta Tri Leisure Centre, many soccer fields and baseball diamonds. • Medical Facilities: Member of the West View Regional Health Authority with almost 50 Medical & Dental practitioners. • Parks & Pathways: 15+ km of pathways spread throughout 230 hectares of natural & developed park space.

1 HILLDOWNS

7 Parkland village

12 Hills of twin lakes

2 VANDERBUILT COMMON

8 hawthorne at heatherglen

13 deer park estates

DEVELOPER: Robson Developments Ltd. BUILDERS: Challenger Homes LOCATION: Grove Drive & King Street DEVELOPER: SG Developments BUILDER: MacLachlan & Mitchell Homes LOCATION: Century Rd & Viscount Common

3 Stoneshire

DEVELOPER: Melcor Developments Ltd. BUILDERS: Canyon Spring Master Builder, Stonegate Developments, Western Living Homes. LOCATION: Longeview Drive & Fairway Drive

4 harvest Ridge

DEVELOPER: Lamont Land Inc. BUILDERS: Homexx Corporation, Dolce Vita Homes, Parkwood Homes Master Builder, Montorio Homes LOCATION: Campsite Rd. & Grove Dr.

5 Spruce Village

DEVELOPER: Beaverbrook Developments BUILDERS: Alquinn Homes, Cove Properties, Hillview Homes, Open LOCATION: Century Road & Grove Dr.

6 Jesperdale

DEVELOPER: Jesperdale Communities BUILDERS: ReidBuilt Homes, Encore Master Builder, Look Homes, Kimberley Homes LOCATION: North of Grove Drive.

DEVELOPER: Parkland Village BUILDERS: Country Hills Homes LOCATION: Yellowhead Trail West To Century Rd, North 2 min.

DEVELOPER: Qualico Communities BUILDERS: Alquinn Homes, City Homes. LOCATION: North of Hwy 16A on Jennifer Heill Way, East on Hawthorne Gate

9 Springate at spruce ridge

DEVELOPER: Qualico Communities BUILDERS: Sterling Homes, Sterling Squared, Alquinn Homes LOCATION: On Campsite Rd. West of Tri-Leisure Center

10 GREENBURY

DEVELOPER: Beaverbrook Developments BUILDERS: Western Living Homes, Dolce Vita Homes, Alquinn Homes, Celico Homes, MacLachlan & Mitchell Homes LOCATION: Grove Drive & Pioneer Road.

11 Mclaughlin

Developer: Melcor Developments Builders: Bedrock Homes, Look Homes, Pacesetter Homes Location: Westgrove Drive and McLaughlin Drive.

Developer: Dyrbye Developments Ltd. Builders: Open Location: 2 miles North of Yellowhead Trail on highway 779 & 1.5 miles West on twp road 534 Developer: Broadview Developments Inc. Builders: Rococo Homes, Alta Rose Homes, Evani Homes, Lang Built Location: Grove Drive and Jennifer Heil Way

spruce grove

14 Kenton Village

Developer: Beaverbrook Developments Builders: Alquinn Homes, and Urbanage Homes Location: Century Road, South of Highway 16 at Vanderbilt Common

15 The Woods at Kenton

Developer: Beaverbrook Developments Builders: Alquinn Homes, and Hillview Master Builder Location: Century Road, South of Highway 16 at Vanderbilt Common

16 Prescott

Developer: Beaverbrook Developments Builders: Averton Homes & MacLachlan & Mitchell Homes Location: Grove Drive, East of Century Road

As Alberta’s 11th city, Spruce Grove is your city in the “country”. The place to live....naturally. for more information call (780) 962-7612 or visit our website at www.sprucegrove.org

LAKESIDE NATURAL WALKOUT LOTS EDMONTON HOME & GARDEN SHOW

For More Information:780-910-8606 or see website www.HillsofTwinLakes.com

Booth 1751 March 21-24

Quiet Living by the lake | CUL-DE-SAC PRIVACY | PARKLAND’s MOST BEAUTIFUL NEW SUBDIVISION 51

SPRUCE GROVE

Showhome Now Open in Deer Park Estates #64 Danfield Place, Spruce Grove

JENNIFER HEIL WAY

780.962.2823

www.RococoHomesInc.ca

DEER PARK BLVD.

Rococo Homes Inc. has been building the premier living experience for over 20 years. Rococo Homes focuses on quality, not quantity. Our uniquely crafted luxury homes feature generous designs that delight the senses with exceptional detail and superior build quality.

GROVE DR. W

AltaNova Designs Ltd.

altanovadesigns@shaw.ca www.altanovadesigns.ca 780.850.2271

52 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

DONATE TODAY. STOLLERYKIDS.CA With your support, the Stollery Childrenâ&#x20AC;&#x2122;s Hospital Foundation is able to provide life-saving equipment, research that paves the way for new treatments and cures, medical innovations and specialized training, so that every child has the chance to go home again.

L N IA IO EC OT W SP M NO O N PR O

OWNING YOUR OWN HOME FOR LESS THAN $1200/MONTH IS POSSIBLE*

*Visit showhome for details.

VANDERBILT

For more information visit

269,900

Starting @

• 3 bedroom • 2 1/2 baths • Landscaping • Back deck • Gas fireplace • 4 appliances • Attached garage • Walkouts available

Include house, lot & GST

GREENBURY

Show home models starting

• 1432 sq. ft. 2 storey duplex • 3 bedroom, 2 1/2 baths • 4 appliances • Hardwood flooring, • Granite countertops, • 9’ ceilings • Energy efficient features • Cultured stone

from low

19-85 Spruce Village Drive W SPRUCE GROVE Mon-Thurs 4-8pm Sat/Sun Noon-5pm

780-901-2462

mtate@macmitch-homes.com

300’s

Include house, lot & GST

10 Greenbury Close at the end of Grove Drive Call 780-571-0880

mtate@macmitch-homes.com

www.macmitch-homes.com

SPRUCE GROVE

Here’s what you can do to Recycle, Renew and Reuse • Keep your car in good working order. Tune-ups and filter changes cut down on exhaust emissions, and you’ll get better gas mileage. When you change your oil, take your used motor oil to a recycling centre. • Use available transit alternatives. • Separate your garbage. Glass, aluminum, paper and even plastic can be recycled. If a recycling program is not directly available to you, contact your municipal sanitation department. • Donate reusable clothing and linens to charity. Most pick-up regularly in your area. • Become environmentally active in your community. You can make the world a better place to live... now and for future generations.

Recycle girl(19/9)-ja/ah

54 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

6 4

1 7 Genesis Drive

Genesis Lake Blvd.

1 THE FAIRWAYS

6 SPRING LAKE RANCH

2 GENESIS ON THE LAKES

7 SOUTHCREEK

DEVELOPER: Reid Worldwide Corporation BUILDERS: ReidBuilt Homes LOCATION: Fairway Drive DEVELOPER: Unitech Construction Services Ltd. BUILDERS: Ashton Homes, Caribbean Homes, Fox Maple Homes, Innova Homes, Sierra Homes, Stellar Homes LOCATION: South off highway 16A onto Highway 779 (also known as 48 Street)

3 LAKE WESTERRA

DEVELOPER: Qualico Communities BUILDERS: Coventry Homes, Sterling Homes LOCATION: Golf Course Rd. & 79 Ave.

4 BROOKVIEW

DEVELOPER: Qualico Communities BUILDERS: ReidBuilt Homes LOCATION: South Park Dr. & 46 Ave.

5 SILVERSTONE

DEVELOPER: Qualico Communities BUILDERS: ReidBuilt Homes LOCATION: South on Boundary Rd at 44th Ave.

DEVELOPER: Wilcor Development Group BUILDERS: Wilcor Homes, Open LOCATION: Spring Lake Exit off of Hwy 16A & Range Road 15 DEVELOPER: Qualico Communities BUILDERS: Pacesetter Homes, Alquinn Homes SHOWHOMES NOW OPEN, LOCATION: South of Fairway Drive & West of Boundary Road

8 THE ESTATES AT WATERS EDGE

DEVELOPER: Waters Edge Developments BUILDER: Waters Edge Developments LOCATION: Only 20 mins West of Stony Plain On Hwy 43 at Gunn & Just 35 mins West of St. Albert on Hwy 37 located on the North Shore of Lac Ste Anne

9 HILLS OF TWIN LAKES

DEVELOPER: Dyrbye Developments Ltd. BUILDERS: Open LOCATION: 2 miles North of Yellowhead Trail on highway 779 & 1.5 miles West on twp road 534

10 WILLOWS END

DEVELOPER: Jaffer Developments BUILDER: Jaffer Developments LOCATION: 48 Street and Willow Park Road North

• POPULATION: 10,544 and Growing. • LOCATED: 20 km west of Edmonton on Hwy 16A • SCHOOLS: 4 Kindergarten to grade nine, Senior high, French Immersion & including 2 Religious schools. • GROCERY: Extensive with new Big Box National Outlets 2 km to the east of town. • RECREATION FACILITIES: New tri-municipal recreation complex east of town. 18 hole CPGA Championship Golf Coarse, curling, skating, library, Municipal Heritage Centre, Heritage Walk of Murals. • MEDICAL FACILITIES: New 70 bed acute & extended care hospital. Full ambulance services. 3 Medical Clinics. • PARKS & PATHWAYS: Extensive, including 12 km of pathways, watercourses & Lions campground.

stony plain

AREA INFO

PUBLIC SCHOOLS • FOREST GREEN 5210 - 45 Street 963-7366 [1] • HIGH PARK 40 Highridge Way 963-2222 [1] [2] • MEMORIAL COMPOSITE 5116 - 55 Avenue 963-2255 [3] • MERIDIAN HEIGHTS 4119 - 43 Street 963-2280 [1][2] • STONY PLAIN CENTRAL 5108 - 55 Avenue 963-2203 [1][2]

SEPARATE SCHOOLS • JOHN PAUL II 5801 - 48 Street 963-2526 [1][2]

PRIVATE SCHOOLS • ST. MATTHEW LUTHERAN 5014 - 53 Avenue 963-2715 [1] Elementary K-6 [2] Junior High 7-9 [3] High School 10-12

marke t mar t s with

Jim Malner

A Rental Market Report from CMHC in late 2012 provides interesting insight into what may occur in the new home market in 2013. Why this report matters is because rental dynamics are the basis of a real estate market. When those numbers move, either way, it’s usually a harbinger of activity in the resale and new home markets. Edmonton’s rental numbers definitely made a move in 2012.

From October 2011 to October 2012 the rate dropped across the Edmonton Census Metropolitan area to 1.7% from 3.3%. What’s most significant about this new rate is it’s the lowest we’ve seen in these parts since values of 1.1% and 1.5% in 2006 and 2007. The most dramatic change was in the apartment vacancy rate across the city. From October 2011 to October 2012 the rate dropped across the Edmonton Census Metropolitan area to 1.7% from 3.3%. What’s most significant about this new rate is it’s the lowest we’ve seen in these parts since values of 1.1% and 1.5% in 2006 and 2007. Of course, this should not surprise anyone given our city’s a migration mecca for job seekers from BC, Ontario, Quebec and the maritimes yet again. And, these people overwhelmingly become renters while they settle and get established in their new locale. So with 20,000 new people arriving in Edmonton last year, making it Canada’s second biggest migration market, it may be a bit more surprising the number wasn’t even lower. Oh wait a minute, it could be. Upon closer examination that 1.7% figure is probably far too generous. In fact the city’s most popular sectors have vacancy rates of between .7% and .8%. Of 19 regional sectors, 17 saw vacancy rates decline with 6 of them at 1% or below. That is basically “no vacancy” in these highly sought after sectors including most of south Edmonton, some west Edmonton locations and St. Albert and Leduc. Compounding the issue of extremely low vacancies are the quality of accommodations. Suites above $1,200 per month (let’s assume that is the highest quality rentals) are below 1% while the only price category growing in availability is below $600 per month. So, it would be fair today to assume that anyone wanting a good place to live in 2013 is going to have a tough time renting and therefore the impetus will be to try and purchase. 56 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

What Is The Rental Market Telling Us About Buying?

The tightening that occurred in 2012 will be further exacerbated by a projected 18,000 new migrants coming to town in 2013 and the fact that at the end of 2012 the universe of rental properties dropped 353 units to 57,588 due to conversions and demolitions. While new purpose built rental properties are appearing again for the first time in almost a decade, these developments have just started and will not impact the market until late 2014. So, for now we appear to have a demand and supply problem. Of course, anyone out there renting knows that rents are on the rise and selection is extremely limited. These increasing rents will force more renters to consider purchasing as today’s resale and entry level new home prices offer opportunities to purchase without significantly increasing monthly cash flows. But wait! Remember that little policy change last July by the Fed’s to force larger down payments? That’s making it harder for renters to move up to ownership and will ensure continued rental for a longer period for many, and so rents will continue to rise. This confluence of rental dynamics will inevitably force those who can to seek out ownership as fast as they can. This will begin to raise housing prices in both the resale and new home sectors. So, if you’re thinking 2013 might be the year to make a move, I think you can see that little voice in your head saying buy your home today is absolutely correct. Today’s great interest rates and relatively good prices in the new home market for condos, duplexes and townhomes offer tremendous entry level access for renters, and will provide great dynamics for existing owners to realize more equity from their resale properties and move up to the new home of their dreams.

Follow CSG on Facebook or Twitter for regular real estate opportunities and updates. All of Jim’s columns are posted on CSG’s blog at marketsmarts.net.

Jim Malner is President of Consumer Strategies Group (CSG), Alberta’s longest serving, professional, real estate marketing consultancy with offices in Edmonton, Calgary and Vancouver.

southwest

8 WINDERMERE NORTH

DEVELOPER: Windermere Lands Ltd. BUILDERS: Landmark Homes, Bedrock Homes, Kanvi Homes, Landmark Classic Homes, Hillview Homes, Lincolnberg Communities LOCATION: Terwillegar Drive and Anthony Henday Drive

9 RIVERPOINTE AT WINDERMERE DEVELOPER: VIP Development Group. BUILDERS: Open LOCATION: North of 9th Ave. and 170 St.

10 WINDERMERE RIDGE

DEVELOPER: Beaverbrook Developments. BUILDERS:Cami Custom Homes, Marco Antonio Homes, Open LOCATION: Windermere Blvd., West of 170 St.

156 St.

11 LARCH PARK

1 AMBLESIDE IN WINDERMERE

DEVELOPER: Windermere Lands Ltd., Windermere Ambleside Ltd. BUILDERS: Marcson Homes, Bedrock Homes, Kimberley Homes, Homes by Avi, Kanvi Homes LOCATION: Terwillegar Drive and Anthony Henday Drive

2 LANGDALE IN WINDERMERE

DEVELOPER: Qualico Communities BUILDERS: Coventry Homes, MacLachlan & Mitchell Homes, Pacesetter Homes, Sterling Homes, Sterling Squared, Rohit Communities LOCATION: 170 St & 7th Ave. S.W.

3 MACTAGGART MAINS

DEVELOPER: Melcor Developments Ltd. BUILDERS: Kimberley Homes, Parkwood Master Builder, Western Living Homes, Homes by Managen, LOCATION: On East side of 142 St., South of 23 Ave.

4 MAGRATH

DEVELOPER: Terwillegar Pointe Communities SUMMIT - BUILDERS: Ace Lange Homes, Birkholz Homes, Perry Built Homes Inc., Carriage Custom Homes, Homes by Avi

MANORS - BUILDERS: Hillview Homes, Homes by AVI, Landmark Homes LOCATION: South of 23 Ave. & East of 142 St.

5 GLENRIDDING

Developer: UnitedCommunities Builders: RSL - Homesby Avi, Pacesetter, Parkwood Homes, Landmark Homes. RPL - Pacesetter, Landmark Legacy Homes, Rohit Communities. Duplex Homes (front attached Garages) - Parkwood Homes, Landmark Legacy. Duplex Homes (rear attached garages) Homes by Avi, Rohit Communities. LOCATION: 156 Street & Ellerslie Road

6 THE UPLANDS OF MACTAGGART

DEVELOPER: Maclab Enterprises BUILDERS: Birkholz Homes, Fekete Homes, Homes by Avi, Classic Landmarks Master Builder LOCATION: On East side of 142 St., South of 23 Ave.

7 UPPER WINDERMERE

DEVELOPER: Beaverbrook Developments BUILDERS: Ace Lange Homes, Homes by Managen, Montorio Homes, Dolce Vita Homes, Artisan Homes, Carriage Signature Homes, Sunny Valley Homes, Westbrook Homes, MacLachlan & Mitchell Homes, Open LOCATION: Windermere Blvd. West of 170 St.

DEVELOPER: Melcor Developments BUILDERS: Ace Lange Homes, BirkholzHomes, Carriage Signature Homes, Landmark Classic Homes, Habitat Studio, Perry Signature Homes Inc. LOCATION: next to Whitemud Creek Ravine

12 CREEKWOOD CHAPPELLE

DEVELOPER: Delcon Creekwood BUILDERS: Alldritt Homes, Artisan Homes, Marcson Homes, Bedrock Homes, Homes by Avi, Kimberley Homes, Landmark Homes, Landmark Communities, ReidBuilt Homes, Landmark Legacy Homes, Rohit Communities LOCATION: South of Ellerslie Road & West of 141 Street

13 WINDERMERE SOUTH

DEVELOPER: Windermere Lands Ltd. BUILDERS: Dolce Vita Homes, Bedrock Homes, Thomsen Built, Kimberley Homes, Daytona Homes Master Builder LOCATION: 170th Street & Ellerslie Road

14 CHAPPELLE GARDENS

DEVELOPER: Brookfield Residential BUILDERS: Lincolnberg Homes, Daytona Homes Master Builder, Look Homes Master Builder, Homes By Avi, Maple Isle Homes, Brookfield Homes. LOCATION: South of Ellerslie Road & West of 141 Street.

15. ONE AT WINDERMERE

DEVELOPER: Beaverbrook Developments BUILDERS: Bedrock Homes, Dolce Vita Homes, Western Living Homes LOCATION: Winderemere Blvd. West of 170 Street

You’re Invited to

Ambleside’s 6th Annual

Family Day Frolic * Sunday, February 17, Noon-5 pm *

Activities for the whole family. Ice on Whyte carving artist.

Dr .

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Anders on Wa y

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Ellerslie Rd.

Rab bit Hi ll

gar Te r wi l le

170 St.

rm e r e Blvd.

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Two $500 Currents retailer gift cards. Retailer to be chosen by the winners of each card. Odds of winning are based on number of entrants. No purchase necessary. Skill testing question required. Contest opens February 17 at noon and closes February 17 at 4:30 pm. Full contest rules and regulations available in all single family showhomes.

ny tho An

Dr.

WIN one of two $500 gift cards for Currents!

We’re growing! New showhomes in every style.

. Rd

fb.com/amblesideinwindermere

amblesidewindermere.ca @amblesideYEG

southWEST

Make the Right move, the Right location.

(SR X KVMR ERH FIEV MX =SY WLSYPH QSZI

12 Showhomes Now Open!

OAD

ILL R

AR EG ILL

RW TE

ONY

ere Blvd . W i nder m

184 S t .

TCHEWAN

NORTH SASKA

170th Street

11 Ave. SW

23rd. Ave. 173 St.

www.windermere-south.ca

174 St.

t. 175 S

177 St.

*Limited Time Only. See a sales rep for details.

Ellerslie Road (9th Avenue) 10 Ave. SW

177a St.

s 4WO ,ANDSCAPED 0ONDS s %XTENSIVE 7ALKING 4RAILS s #LOSE TO 3HOPPING n 4HE #URRENTS s #LOSE TO MAJOR TRANSPORTATION n !NTHONY (ENDAY !IRPORT

Front Attached Garage Homes Kimberley Homes 780.761.1141 Daytona Homes Master Builder 780.761.1556

Rear Lane Homes Thomsen Built 780.975.1741 Bedrock Homes 780.756.1924

175 St.

Paired Homes Dolce Vita 780.487.7405 Thomsen Built 780.975.1741 Bedrock Homes 780.756.2635

RIVER

Townhomes Marcson Homes 780-919-1329

H EN D A Y DR

ELLERSLIE ROAD

SOUTHWEST

So much nature to explore* *with two new playgrounds for twice the fun!

Homes from the low $300s

CreekwoodChappelle.com @LifeInCreekwood

60 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

LifeInCreekwood

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

28 Ave

SOUTHWEST

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 61

southWEST

SOUTH

Live Better

Perfect for the whole family : • Close to schools and transit • Minutes to the Anthony Henday & South Edmonton Common • Close to Landscaped Ponds & Walking Trails Active Homes - 780-998-0020 Cameron Homes - 780-233-4071 Crimson Cove - 780-235-1476 SOUTH EDMONTON COMMON

66 STREET

Starting in the

NORTH

walkerlakes-north.com

12 AVE

9 AVE

NEW! FUTURE PARK

56 ST

WELSH DRIVE

STORM WATER POND

60 ST

$300’s

64 New home Guide | JAN 18 - Feb 15, 2013

FUTURE TRANSIT STATION

WATT BLVD

STORM WATER POND

ELLERSLIE ROAD (9 AVE)

WATT BLVD

30 Av

10 ALLARD

101 Street

DEVELOPER: United Communities BUILDERS: Caliber Master Builder, Kimberley Homes, White Eagle Homes, Parkwood Homes, LOCATION: 111th Street & 30th Ave

6 15

QE II

50th St.

James Mowatt Tr.

DEVELOPER: Kimberley Communities BUILDERS: Kimberley Communities, Kimberley Homes LOCATION: South of Ellerslie Road just off 127 Street

Ellerslie Rd. (9th Ave.) 2

66 St.

Anthony Henday

9 RUTHERFORD ESTATES

Millwoods Rd.

23 Ave.

127 St.

91 St. Parsons Rd.

Calgary Trail South

Gateway Blvd.

111 St.

119 St.

30 Ave.

34 Ave.

11 RAVINES OF RICHFORD

DEVELOPER: Rohit Land Development BUILDERS: Celebration Homes, OPEN LOCATION: Ellerslie Road & Blackmud Creek Ravine

14 814

12 CALLAGHAN IN HERITAGE VALLEY

Township Road 510

DEVELOPER: MLC Group / JCA Financial BUILDERS: Landmark Communities, Sterling Squared, Simply Sterling, Rohit Communities, Innovations by Jayman LOCATION: South on James Mowatt Trail and North of 30 Avenue SW 3 min. to

Township Road 510

1 ELLERSLIE HEIGHTS

DEVELOPER: United Communities BUILDERS: Landmark Legacy, Homes by Avi, Landmark Communities, Landmark Homes, Park Royal Homes, Kirkland Homes LOCATION: North of Ellerslie Rd. on 66 Street

2 LAKE SUMMERSIDE

DEVELOPER: Brookfield Residential BUILDERS: Mosaic by Brookfield Homes, Axio by Brookfield Homes, Innovations by Jayman, Daytona Homes Master Builder, Landmark Homes, Homes by Avi, Pacesetter Homes, Landmark Classic Homes, Canyon Spring Master Builder, Aacropolis Homes LOCATION: Ellerslie Rd. & Parsons Rd.

3 CALLAGHAN

DEVELOPER: Rohit Land Dev. BUILDERS: Art Custom Homes, White Eagle Homes, D’Cor Homes, Rohit Communities, Celebration Homes LOCATION: 1 km South of Ellerslie Road on 111 Street SW

4 SUNSET VALLEY ESTATES DEVELOPER: VIP Development Group of Companies BUILDERS: Open LOCATION: South Of Ellerslie Rd. between 66 Street & 75 Street



RR244

RR243

13 41st Ave. SW

south

34 Ave.

38 Ave.

39 Ave.

Beaumont

5 RUTHERFORD HEIGHTS

DEVELOPER: Qualico Communities BUILDERS: Pacesetter Homes, Sterling Homes, Look Homes LOCATION: James Mowatt Trail & Rutherford Rd.

6 WALKER LAKES NORTH

DEVELOPER: MLC Group / Cameron Communities BUILDERS: Cameron Homes, Crimson Cove Homes LOCATION: South of Ellerslie Rd. on 66 Street

7 THE FIELDS OF SUMMERSIDE DEVELOPER: Melcor Developments Ltd. BUILDERS: Bedrock Homes, Coventry Homes, Landmark Homes, Parkwood Master Builder, Daytona Homes Master Builder LOCATION: East on Ellerslie Road, South on 66 Street, to temporary access road on 19 Avenue SW

8 WALKER LAKES STATION

Beaumont area 13 ALLARD IN HERITAGE VALLEY

DEVELOPER: MLC Group / JCA Financial BUILDERS: Innovations by Jayman, Landmark Legacy, Rohit Communities, Jayman MasterBuilt, Sterling Homes LOCATION: South on James Mowatt Trail and South of 30 Avenue SW

14 THE ORCHARDS AT ELLERSLIE

DEVELOPER:Brookfield Residential BUILDERS:Front attached Homes: Homes by Avi, Sterling Homes, Jayman MasterBUILT Rear-Detached Homes: Landmark Legacy Homes, Daytona Master Builder SemiDetached:Axio by Brookfield Homes LOCATION:turn south off of Ellerslie on 91st Street, turn east on 25th Ave SW.

15 WALKER SUMMIT

DEVELOPER:United Communities BUILDERS: RSL - Kirkland, Landmark, Morrison and Montorio Duplex - Morrison, Montorio and Innovations by Jayman LOCATION: South on Ellerslie to 66th Street.

DEVELOPER: MLC Group / JCA Financial BUILDERS: Cameron Homes, Greenboro Homes, Sterling Homes, Pacesetter Homes, Landmark Communities, Lincolnberg Communities, Tamarack Park, Sterling Squared, Landmark Legacy LOCATION: South of Ellerslie Rd. on 66 St.

16 AURORA

DEVELOPER: Melcor Developments BUILDERS: Bedrock Homes Coventry Homes, Landmark Homes Parkwood Master Builder,Trend Homes Lincolnberg Master Builder LOCATION : Southeast Edmonton south of Ellerslie Road on 66th Street

17 ROYAL OAKS

DEVELOPER: Cancom Development BUILDER: Konark Homes, Cancom Homes, Infiniti Homes, Open LOCATION : South on 101 Street to Towship Road 510. Turn east to EastVistas Blvd. (follow signs).

There’s no place like a heat recovery ventilated

SUSTAINABLE FEATURES COME STANDARD

hoMe 65

SOUTH

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 67

SOUTH

LaSt StaGe Now SeLLiNG Single Family Home with Garage in Mature Neighbourhood

’ 340,000 s from the

(including lot and GST)

• Last chance to own a home in one of the sought after established communities in south Edmonton • Easy access to Anthony Henday and minutes from recreation, shopping and services • Walk to school, parks and plagrounds • Beautiful treed boulevards, ponds and parks Landmark Legacy 780.702.3121 Homes by aVi 780.410.1945

Check information about the builders, lots, community and area amenities. 68 New home Guide | JAN 18 - Feb 15, 2013

SOUTH

Que

Calgary Trail SW

70 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

Come to life at theorchards.ca

91 St r

The Orchards at Ellerslie is more than stylish houses and tree-lined streets; it beautifully connects you to nature, shopping, schools and your neighbours. With a future 8-acre Orchards’ Club, an activity plaza and endless interconnected trails, it’s the perfect place to grow.

s Road son P ar

Homes starting in the $280’s

en Elizabeth Hw y

SOUTH

Ellerslie Rd.

SHOWHOME HOURS Saturday & Sunday: 12 pm - 5 pm Monday - Thursday: 2 pm - 8 pm Friday: Closed

25 Ave SW

SOUTH

Make your New Year’s resolution to buy a new home. It’s the perfect time to move into a new home in The Orchards. Start fresh in a community that gives you more to love about your neighbourhood, including parks and paths, rows of flowering trees and beautiful landscaping throughout. The Orchards is ideally located in south central Edmonton, close to Anthony Henday, South Edmonton Common and Michael Strembitsky K-9 school so you can spend more time with your friends and family – and enjoy all the community has to offer. This year, have the peace of mind knowing that you’re making a smart investment for years to come with a new home in a beautifully connected community.

Move in today. Ranging from the $280’s to $500’s, The Orchards’ well-designed homes have large floor plans, spacious rooms, and are master-crafted to meet your needs. Homes are move-in ready, so cozy up to your home in this beautifully connected community today. Express transit service to The Orchards is available. Visit takeETS.com for schedules, stops and times.

REAR-DETACHED

SEMI-DETACHED

Daytona Homes Master Builder

Axio by Brookfield Homes

Landmark Legacy Homes

Beautifully Connected.

FRONT-ATTACHED Homes by Avi Jayman MasterBUILT Sterling Homes

The Wilkinsons: fb.me/theorchardsatellerslie

SOUTH

ELLERSLIE ROAD (9TH AVENUE)

66TH STREET

91ST STREET

PARSONS ROAD

CALGARY TRAIL

ANTHONY HEND AY DRIVE

SOUTH

JAN 18 - Feb 15, 2013 | New home Guide 73

quicktips

start the new year by

freeing yourself

Hellen Buttigieg Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host, author and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@weorganizeu.com

by Hellen Buttigieg compelling ways your life will be better as a result of completing what you’ve been procrastinating on, you will find the inspiration to take action.

There is so much buildup at the end of the

year that it can almost feel like a race to the finish line. Then Jan. 1 arrives, the social calendar calms down and the cocooning begins as you prepare to ride out the rest of the winter. Before you jump right back to everything you were doing before the holidays, take some time to look around and decide what needs to change. Not that you have to go making grand resolutions for the new year – unless that’s your thing – but look at it as an opportunity to free yourself of things that weren’t working for you. Try new methods that may improve your life in little, noticeable ways. Get clear on the year ahead If setting New Year’s resolutions is not your thing, there’s another way of defining what you’d like your life to look like – create a vision board. Get some magazines, glue and a poster board and start cutting and pasting images that you feel drawn to or that represent something you’d like to be or have in your life. If you would like to learn more about the power of these dream boards, and have a look at some of the ones I’ve created personally, check out my blog post, Creating a Dream Board (weorganizeu.com) End procrastination by knowing your payoff Ever wonder how to motivate yourself to tackle that daunting task you’ve been putting off? Rather than dwelling on the chore itself, turn your attention to how you will benefit once the job is done. If you can come up with two or three 74 New home Guide | JAN 18 - Feb 15, 2013

Make your ‘someday’ a reality How many times have you wistfully said, “Someday, I’d like to…” It’s interesting how we often procrastinate on doing the things we most want to do. We continue to put it off because something more pressing always seems to come up. But life is short, and habitually putting off doing those meaningful things that bring us joy can literally suck the life right out of us. One thing that I personally find very effective is to catch myself when I say I’d like to do something, and immediately pull out my calendar and schedule it in, even if it’s not for another month or two… or even six. The trick is to allow enough time to prepare for the event in advance and, once the date approaches, treat it as you would any other appointment you’ve booked with someone important – keep it. Make decisions fearlessly Clutter often represents unmade decisions. Many people struggle with indecision because of the fear of making a mistake (especially perfectionists). It may seem easier to avoid making the decision, but by doing so, you are deciding to procrastinate and stay stuck. Whenever possible, make decisions as you go along, before they accumulate. Although there’s no guarantee you will make the right decision, you will be taking the option that appears to be the right thing to do at the time. Avoid berating yourself if the outcome is less than you had hoped, and besides, there’s usually some recourse. See it as a great learning experience and move on. One effective decision-making technique is to ask: “What’s the worse thing that can happen if I make the wrong decision?” and “Can I live with that consequence?” This usually puts the decision into perspective and helps you make it confidently.

• POPULATION: Approx 12,500 • LOCATED: 2 miles South of Edmonton on 50th street. • SCHOOLS: 5 Schools from Kindergarten to Grade 12. French Immersion offered in all. • GROCERY: Sobeys, Extra Foods • RECREATIONAL FACILITIES: Beaumont Regional Activities Centre and numerous outdoor facilities. • MEDICAL FACILITIES: 10 minutes to Grey Nuns Hospital. Served by Edmonton Ambulance. • PARKS & PATHWAYS: Approximately 170 acres of parkland & km of inter-connected walkways. •17 MINUTES TO THE AIRPORT

Come visit us and discover why

beaumont

AREA INFO

“Life is Better in Beaumont” for more information call 780-929-8782

or visit our website at town.beaumont.ab.ca

1 COLONIALE ESTATES

DEVELOPER: ARW Development Corp. BUILDERS: Montorio Homes, Etiquette Homes LOCATION: 50 St. & Coloniale Way

2 GOUDREAU TERRACE

DEVELOPER: Qualico Communities BUILDERS: Landmark Homes, Open LOCATION: 50th Avenue & 62nd Street

3 PLACE CHALEUREUSE

DEVELOPER: Mandalay Developments BUILDERS: Royer Homes, Orca Homes, Goldenwood Homes, Davies & Company, Landmark Communities LOCATION: 50 Street & Blvd. Soleil

4 TRIOMPHE ESTATES

DEVELOPER: S&D Group Development Ltd BUILDERS: Abington Homes, Ashton Homes, Royer Homes, Open LOCATION: 44 Ave. just off 44 St.

5 DANSEREAU MEADOWS

DEVELOPER: United Communities BUILDERS: Caliber Master Builder, Landmark Homes, Landmark Communities, Pacesetter Homes LOCATION: West on 50th Street at Rue Montalet (follow the signs)

6 RUISSEAU

DEVELOPER: Qualico Communities BUILDERS: Look Homes Master Builder. LOCATION: It is located on the south side of 50th ave at about 66st.

7 ROYAL OAKS

DEVELOPER: Cancom Development BUILDERS: Konark Homes, Cancom Homes, Infiniti Homes, Open LOCATION: From Beaumont: West on Township Road 510 to East Vistas Blvd. (follow signs) From Edmonton: South on 101 St. to Township Road 510, east on Township Road 510 to East Vistas Blvd. (follow signs)

EXECUTIVE LIFESTYLE LOTS NOW AVAILABLE CREATE POSSIBILITIES.

WE’RE BUILDING A COMMUNITY TOGETHER. JOIN US.

Visit cancomdevelopment.com or contact us at 780.442.1111 for more information. 75

BEAUMONT

FREE GOLF

AT COLONIALE WITH NEW HOME PURCHASE*

A master planned family community • A striking community nestled around our ‘championship’ Coloniale Golf Course • Enjoy a friendly small town family lifestyle - with big city proximity • Master planned living with parks, shops, schools (offering French Immersion)

• Quality control through architectural guidelines to protect your investment • Less than 15 minutes from the Edmonton International Airport

V I S I T O U R S H O W H O M E S TO DAY

Showhomes Open Weekdays 3pm to 8pm Weekends 12pm to 5pm, Closed Fridays

50 Street

Ellerslie Rd

Coloniale Way

d ade Blv

d ouchar

Rue Blanchard

BEAUMONT

Promen

Rue B

Show Homes

ETIQUETTE HOMES MONTORIO HOMES

780-951-7992 780.476.7070

*Ask your builder for terms and details regarding free golf.

76 NEW HOME BUYERS GUIDE | APR 16 - MAY 14, 2010

The besT of boTh worlds A comfortable new home in the thriving, family friendly, French themed community of Dansereau Meadows AND close to Edmonton and everything it has to offer.

FEATUrED DUPlEX

landmark Communities Apex iii 1500 Sq. Ft. 3 Bedroom • 2.5 Baths

Two hools new sc g in openin au e Danser 0 2 in 14

SEVEn nEW SHoWHoMES noW oPEn!

SinGlE FAMily HoMES starting from the $359’s DUPlEX HoMES starting from the $292’s ToWnHoUSES starting from the $278’s

new lots now selling in Dansereau Meadows Visit the showhomes by: SinGlE FAMily HoMES Pacesetter Homes 780.737.7380 Caliber Master Builder 780.929.2598 Landmark Homes 780.701.3078 DUPlEX HoMES Landmark Communities 780.702.8363 ToWnHoUSES Pacesetter Homes 780.737.2737 Showhome Hours Monday to Thursday 3–8pm Weekends and Holidays 12–5pm

More United Communities • Allard in south Edmonton allardheritagevalley.ca • Ellerslie Heights in southeast Edmonton ellerslieheights.com • Glenridding in southwest Edmonton glenridding.ca Trumpeter in northwest Edmonton trumpeterbiglake.ca • Tuscany Hills in Sturgeon County tuscanyhills.ca Walker Summit in southeast Edmonton walkersummit.com • www.unitedcommunities.com 780.421.7272 JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 77

78 New home Guide | JAN 18 - Feb 15, 2013

45 St.

•P opulation: 17,000 and growing “Small city” living within minutes of “Big city” amenities.

44 St.

50 St.

3 Calmar

AREA INFO • Located: 20 km south of Edmonton on Hwy 2

Telford Lake

• Grocery: Variety of shopping.

Rollyview Rd.

Hi gh wa y2 A

8 2

To Calgary

42 St.

QE II

•S chools: 7 Elementary, 2 Junior & Senior high. Public, Private & Separate school systems.

C.W. Gaetz Drive

Black Gold Dr.

Coady Blvd.

42 Ave.

St. 50

Alton Dr.

Grant MacEwan Boulevard

Hwy 60

50 Ave.

To Wetaskiwin

1 MEADOWVIEW PARK

DEVELOPER: Qualico Communities BUILDERS: Stardust Homes, Open LOCATION: Coady Blvd. & McDowell Wynd, South of Rollyview Rd.

6 ASPEN CREEK

DEVELOPER: Maclab Enterprises BUILDERS: Barr Canna Homes, Moduline Homes LOCATION: Suntree Promenade & Aspen Creek Way

2 TRIBUTE

DEVELOPER: Qualico Communities BUILDERS: Greenboro Homes, Tristate Signature Homes LOCATION: Dunlop Wynd & Caledonia Dr.

4 Windrose

DEVELOPER: Maclab Enterprises BUILDERS: Homes by Sher-Bilt, Cornerbrook Construction, Jacob’s Construction, McLean & McLean Custom Homes LOCATION: Exit at 50 Ave off Highway 2, proceed west, then go south on RR 253 to Windrose

•M edical Facilities: Full Service Community Hospital and Full Ambulance Service. •P arks & Pathways: 27 parks including Telford Lake, Fred John’s Park & Lions Campground.

7 WEST HAVEN PARk

DEVELOPER: Melcor Developments Ltd. BUILDERS: Encore Master Builder Santos Construction Ltd., Homexx Corporation LOCATION: West on 50th Ave, South on West Haven Boulevard

3 BRIDGEPORT

DEVELOPER: Melcor Developments Ltd. BUILDERS: Santos Construction Ltd., Encore Master Builder, McLean & McLean Custom Homes Ltd., Western Living Homes LOCATION: Take 50 Ave,turn right on Bridgeport Crossing

• Recreational Facilities: Recreation & Culture Centre, Performing Arts Centre, 18 hole Golf Course & Public Library.

leduc

Highway 39 To Calmar

8 SOUTHFORK

DEVELOPER: Tamani Communities BUILDERS: Dolce Vita Homes, Homes by Avi, Innovations by Jayman, Jayman MasterBUILT LOCATION: Highway 2A & 50th Street

9 ROBINSON DEVELOPER: Beaverbrook

Developments BUILDERS: Bedrock Homes, Dolce Vita Homes, Homes by Sher-Bilt, Western Living Homes LOCATION: South of Rolly View Road on C.W. Gaetz Drive

THE CITY OF LEDUC,

a thriving Industrial, Commercial & Agricultural Community continues to experience growth and expansion.

“A great place to call home!”

For more information contact The City of Leduc at 780-980-7177

5 SUNTREE

DEVELOPER: Maclab Enterprises BUILDERS: Kimberly General Partner, Cobblestone Master Builder, Bedrock Homes, Caliber Master Builder, Entity Homes LOCATION: Grant MacEwan Boulevard & Suntree Promenade

The grass will be greener, just like your wallet. 79

themortgageminute

IS A VARIABLE RATE MORTGAGE

right for you? by PETER KINCH the lack of profitability on the variable rate industry have led to various lenders reducing mortgages with such high discounts. In the the discounts they previously offered on vari- meantime, what seems to have been lost in able rate mortgages (VRMs), effectively the conversation was the fact that the bond making VRMs a little less attractive than they yields had been steadily dropping for months. were in the past. This, in turn, led to an increase in the profitWhy have lenders increased the cost of ability on long-term rates. taking a VRM in today’s market? Well, the So while most of the country’s media official reason offered by the banks was that focused on reporting about the fact the Bank there was a lack of liquidity in the markets of Canada (BoC) will not likely be moving rates and the cost of borrowing had increased. soon, no one was drawing attention to the fact Now, of course, we’ll all have to take their that the banks’ profit margins were steadily word on that since the average Canadian does rising as the bond yields dropped. Lenders were not have access to the inner workings of a making significantly more profit on a five-year chartered bank and the true costs of borrow- term than they were selling variable rate morting it incurs. gages with full discounts. But I do know one thing for certain, given Let me ask you a simple question: if you the limited exposure that I have, is that many were running a business that had two products, lenders had been grumbling for months about and one of them was very profitable and one RECENT CHANGES IN THE MORTGAGE

C O N T I N U E D O N PA G E 8 6 . . .

LEDUC

You shouldn’t have to sacrifice livability for affordability. Good thing West Haven Park is now on the map. We planned our community with tree-lined streets, playgrounds, fountains and walking paths—and just enough room for your family’s home. Visit our showhomes at Black Gold Drive & West Haven Drive

Integrity in real estate since 1923 81

Home Builders Alldritt Homes Artisan Homes Inc.

www.beattiehomes.com

Bedrock Homes

www.bedrockhomes.ca

Caliber Master Builder Cameron Homes Inc. Canyon Spring Master Builder Carriage Signature Homes

www.buildwithbrookfield.com www.calibermasterbuilder.ca www.cameronhomes.ca www.canyonspringhomes.com www.carriagesignature.com

Celebration Homes

www.celebrationhomes.ca

Celico Builders Inc.

www.celicobuilders.ca

Challenger Homes

www.challengerhomes.com

Cobblestone Master Builder

www.mycobblestone.ca

Concept Homes

www.concepthomes.ca

Compass Rose Homes Inc. Country Hills Home Sales

www.compassrose.ca www.countryhillshomes.com

Coventry Homes

www.coventry-homes.com

Darrenâ&#x20AC;&#x2122;s Homes

www.darrenshomes.com

Daytona Homes Master Builder

www.daytonahomes.ca

Dolce Vita Homes LP

www.dolcevitahomes.ca

Effect Home Builders

www.effecthomes.ca

Encore Master Builder Fekete Homes Green Living Homes Gannet Homes Master Builder Greenboro Homes Homes by Avi Homes by Santos Construction Homexx Corporation Impact Homes Innovations by Jayman 82 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

www.artisancommunities.ca

Beattie Homes

Brookfield Homes

web directory

www.alldritthomes.com

www.encoremasterbuilder.com www.feketehomes.ca www.greenlivinghomes.ca www.gannethomes.com www.greenborohomes.com www.homesbyavi.com www.santoshomes.ca www.homexx.ca www.impacthomes.ca www.jayman.com

Jayman MasterBUILT Kanvi Homes Kensington Homes Master Builder Kimberley Homes

www.jayman.com www.kanvihomes.com www.KensingtonCustom.com www.buildwithkimberley.ca

Kingsgate Homes Ltd Master Builder

www.kingsgatehomes.ca

Landmark Classic Homes

www.landmarkclassic.ca

Landmark Communities

www.landmarkcommunities.ca

Landmark Homes

www.landmarkhomes.ca

Landmark Legacy Homes

www.landmarklegacy.ca

Lincolnberg Homes / Communities MacLachlan & Mitchell Homes Maple Isle Homes Marco Antonio Homes Montorio Homes Pacesetter Homes Parkwood Master Builder Perry Signature Homes Inc.

www.lincolnberg.com www.macmitch-homes.com www.mapleislehomes.ca www.marcoantoniohomes.com www.montorio.ca www.yourpacesetter.com www.parkwoodmasterbuilder.com www.perryhomes.ca

Pompei Homes

www.pompeihomes.com

ReidBuilt Homes

www.reidbuilthomes.com

Rococo Homes Rohit Communities Rosecroft Custom Homes Sabal Homes San Rufo Homes

www.rococohomesinc.ca www.rohitcommunities.com www.rosecroftcustom homes.com www.sabalhomes.com www.sanrufohomes.com

S2 Squared by Sterling Homes

www.sterlingsquared.ca

Sterling Homes Edmonton Ltd.

www.sterlingedmonton.com

Thomsen Built

www.thomsenbuilt.com

Urban Living by Landmark

www.landmarkurban.ca

Urbanity Custom Homes Ltd. Walker Developments White Eagle Homes Ltd

web directory

OUR HOMES COME IN A WIDE VARIETY of wide varieties

Duplexes & Townhomes

www.urbanityhomes.com www.walkerdevelopments.ca

Rear - Detached Garage Homes

www.whiteeaglehomes.ca

Front - Attached Garage Homes

www.landmarkgroup.ca JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 83

webdirectoryad.indd 1

13-01-07 11:16 AM

Developers/Communities Allard in Heritage Valley by MLC Group / JCA Financial Allard Heritage Valley by United Communities

www.allard.ca

www.allardheritagevalley.ca

Alpine Ridge in Terrace Heights Ambleside in Windermere

www.alpine-ridge.ca www.amblesidewindermere.ca

Beaverbrook Developments Brintnell

www.beaverbrook.ca www.brintnelledmonton.com

Brookfield Residential Callaghan by Rohit Land Development

www.brookfieldrp.com www.liveincallaghan.com

Callaghan In Heritage Valley by MLC Group / JCA Financial www.callaghan-edmonton.ca Cameron Heights Canada Lands Company Canterra Developments Corp. Chappelle Gardens Copperwood in the Hamptons

web directory

www.cameronheights.com www.villageatgriesbach.com www.canterradevelopments.com www.chappellegardens.com www.copperwood-edmonton.com

Creekwood Chappelle

www.creekwoodchappelle.com

Dundee Developments

www.dundeedevelopments.com

Ellerslie Heights by United Communities Erin Ridge Forest Ridge Foxboro

www.ellerslieheights.ca www.erinridgestalbert.com www.forestridgefortsask.com www.foxborosherwoodpark.com

Genstar Development Company

www.genstar.com

Glenridding by United Communities

www.glenridding.ca

Granville by Alldritt Land Corporation

www.mygranville.com

Greenbury by Beaverbrook Goudreau Terrace Griesbach by Canada Lands Hampton Pointe by Beaverbrook Hampton Terrace

www.greenbury.ca www.goudreauterracebeaumont.com www.villageatgriesbach.com www.hamptonpointe.ca www.hamptonterraceedmonton.com

Hawks Ridge at Big Lake Hills of Twin Lakes Hopewell Residential Communities LakeWesterra Langdale in Windermere

www.hawksridge.ca www.hillsoftwinlakes.com www.hopewellcommunities.com www.westerrastonyplain.com www.langdale-windermere.com

Larch Park by Melcor Developments Laurel Crossing Gardens

www.larchpark.ca www.laurel-crossing.com

Laurel by Dundee Developments

www.livelaurel.com

Maclab Enterprises

www.maclab.com

Maple Crest by Dundee Developments

www.livemaplecrest.ca

McConachie Landing by MLC Group/Cameron Dev Corp www.mcconachie-landing.com McConachie by Walton Development & Management L.P. Meadowview Park Melcor Developments Ltd. MLC Group Montalet by United Communities Morningside Properties

www.chappellegardens.com 84 New home Guide | JAN 18 - Feb 15, 2013

www.mcconachie.ca

www.meadowviewparkleduc.com www.melcor.ca www.mlcland.com www.montalet.ca www.mymorningside.com

Montreux

www.montreux-morinville.com

Newcastle

www.newcastle-edmonton.com

ONE at Windermere www.oneatwindermere.com Palisades by MLC Group www.palisades.ca Qualico Communities www.qualicolandedm.com Ravines of Devon www.theravinesofdevon.com Reid Worldwide Corporation www.rwwc.ca Robinson by Beaverbrook www.LiveInRobinson.ca Ruisseau www.ruisseau-beaumont.com Rutherford www.rutherfordheightsedmonton.com Secord by Hopewell Developments www.liveinsecord.com Sienna www.sienna-fortsask.com Silverstone www.silverstone-stonyplain.com Southcreek www.southcreek.ca South Pointe by MLC Group www.south-pointe.ca Spring Lake Ranch www.springlakeranch.ca Springate at Spruce Ridge www.springatesprucegrove.com Spruce Village by Beaverbrook www.sprucevillage.ca Starling at Big Lake by Rohit Land Development www.StarlingAtBigLake.com Strata Developments www.stratadevelopments.ca Summerside by Brookfield Residential www.lakesummerside-community.com Summerwood www.summerwoodsherwoodpark.com Suntree www.liveinsuntree.ca Tamarack by Dundee Developments www.livetamarack.com The Estates at Waters Edge www.WatersEdgeEstates.ca The Orchards www.theorchards.ca Thomas Creek www.CalmarThomasCreek.com Tribute www.tributeleduc.com Trumpeter by United Communities www.trumpeterbiglake.ca Tuscany Hills by United Communities www.tuscanyhills.ca United Communities www.unitedcommunities.com Upper Windermere by Beaverbrook www.upperwindermere.com Walker Lakes North by MLC Group / Cameron Dev Corp www.walkerlakes-north.com Walker Lakes Station by MLC Group / JCA Financial www.walkerlakes-station.ca Walker Summit by United Communities www.walkersummit.com Walton Development and Management L.P. www.waltondm.com Windermere North www.windermere-north.ca Windermere Ridge by Beaverbrook www.windermereridge.ca Windermere South www.windermere-south.ca Windrose www.liveinwindrose.ca Woodhaven - Edgemont www.woodhavenedgemont.com

Related Business Canadian Home Buildersâ&#x20AC;&#x2122; Association - Alberta Edmonton Custom Decks Edmonton New Home Information Edmonton New Home Guide Shanes Landscaping and Contracting Ltd. UDI Edmonton

www.chbaalberta.ca www.edmontoncustomdecks.com www.new-home.com www.hometrader.ca www.shaneslandscaping.com www.udiedmonton.com

web directory

YOUR PERFECT HOME!

www.villageatgriesbach.com JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 85

themortgageminute |

CONTINUED

of them broke even or lost money, which would you promote? The end result is that banks would like you to take a five-year fixed rate mortgage and are now making it more attractive for you to do so. By the numbers – changing spreads and changing guidelines Talking about the price of a five-year mortgage and the spread on the bond yields can be very confusing for the average Canadian. Since most people don’t understand it, the media tends to avoid writing about it. As a result, some glaring discrepancies go unreported and questions remain unasked. Let’s start with some basics: ›› A bond yield and a bond price have an inverse relationship. Don’t worry about trying to understand that – you simply need to know that if the bond price goes up, the bond yield goes down and vice versa. ›› Canadian banks and lenders use the bond yields to determine their “spread,” or profitability. ›› T hey like to keep the spread to a certain range. For example, five years ago, the spread would be between 90 and 130. That means you take the five-year mortgage rate (say four per cent) and subtract the current five-year bond yield (say 2.95) and the difference should be between 90 and 130. If the difference is below 90, then that is a signal for banks to raise rates. If it is above 130, then they would lower rates. In the above example, 4.00 – 2.95 = 1.05, so that would indicate the rate is within the comfort zone and therefore not likely to move. Now let’s look at the way things are today: ›› Let’s assume a five-year bond yield is 1.66 per cent ›› A nd a typical five-year published mortgage rate is 3.59 per cent ›› 3.59 – 1.66 = 1.93 Based on the numbers that were used five years ago by the chartered banks, a spread of 1.93 would be .63 over the comfort zone – meaning very profitable – and a signal to lower rates (arguably to as low as 2.96 per cent for a five-year term). However, lenders are no longer using the same model for spreads. In fact, due to (and I quote) “the uncertainty in the bond market is forcing a wider than normal margin until investors see some stability return” – the current range that lenders are going by is 1.75 and 1.95. As such, the spread of 1.93 for today’s interest rates is actually at the high end of the comfort zone, but still within range. Some lenders are offering a quick close special of 3.39 per cent, which puts the spread at 1.73 and therefore out of the comfort zone. Any increase in the bond yield will result in those rates increasing, not decreasing. Suffice to say, it would appear that the banks are making significantly more profit on five-year mortgages today than they did five years ago. But having said that – they also experienced the global credit crunch of 2008 and saw first hand the impact to global banks when liquidity in the markets disappeared. And although we complain about the profitability of the chartered banks, it was this very fact that made them the envy of the world when their counterparts in other countries suffered. With ongoing credit and financial issues in Europe and the United States, perhaps the Canadian banks are wise to shore up their coffers while they can. In the meantime, the more investors flock to safe harbours amidst turmoil and uncertainty in the global markets, the more bonds they will buy. The more they buy bonds, the higher the price goes and as such, the lower the bond yields 86 New home Guide | JAN 18 - Feb 15, 2013

go. Whether this will translate into lower mortgage rates for you is yet to be determined. And while we could argue that the long-term rates could go even lower or in fact that they should be lower, they are still the lowest they’ve been in a lifetime. So, whether you choose to take a variable with a lesser discount or today’s low long-term rate – one thing is certain: rates are low – if you have a mortgage or you’re planning to get one, take advantage of these low rates today and accelerate your debt reduction. Stability will eventually return to the markets and investors will eventually shift back to equities. When that happens, bond prices will drop, yields will rise and so too will your long term rates. In the meantime, enjoy them while they’re here.

peter kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

southeast

1 MAPLERIDGE & OAKRIDGE COMMUNITIES

4 LAUREL

2 SPRINGSIDE IN THE MEADOWS

5 LAUREL CROSSING

DEVELOPER: Maple Ridge & Oak Ridge Communities BUILDERS: Country Hills Homes LOCATION: 17 Street between Sherwood Park Freeway and Whitemud Drive

DEVELOPER: Qualico Communities BUILDERS: Sterling Homes LOCATION: 23 Avenue & 32nd Street

3 TAMARACK

DEVELOPER: Dundee Developments BUILDERS: Landmark Homes, Lincolnberg Homes, Homes by AVI, JDL Homes, Landmark Legacy Homes, Landmark Communities, Coventry Homes LOCATION: From Whitemud go South on 17 Street & follow the signs to Tamarack Gate

DEVELOPER: Dundee Developments BUILDERS: Coventry Homes, Greenboro Homes, Landmark Homes, Homes by AVI, Landmark Legacy Homes, Lincolnberg Homes, Landmark Communities LOCATION: South of 23 Avenue and East of 34 Street DEVELOPER: Qualico Communities BUILDERS: Pacesetter Homes, Sterling Homes, Landmark Homes, Tristate Signature Homes, Sterling Squared, Bedrock Homes SHOWHOMES ARE NOW OPEN LOCATION:34 Street & 16A Avenue

6 MAPLE CREST

DEVELOPER: Dundee Developments BUILDERS: Homes by Avi, Coventry Homes, Greenboro Homes, Landmark Homes, Landmark Legacy, Lincolnberg Homes LOCATION: Maple Road (38th Avenue NW) and 8th Street

7 WILLOW HAVEN

DEVELOPER: CarringtonLand BUILDERS: Bedrock Homes LOCATION: 5624 7th Ave SW.

8 TAMARACK COMMON

DEVELOPER: Qualico Communities BUILDERS: Pacesetter Homes, Sterling Homes, & Parkwood Master Builder SHOWHOMES COMING SOON LOCATION: 17 Street and 23 Avenue, south of Millcreek Nursery

southeast

Slide Over

cr fu sl pa th bu ga

To Our Place

Fresh air, fluffy white snow and sunshine are sure to put a smile on your face as you fly down the slopes of our central park. Laurelâ&#x20AC;&#x2122;s spectacular 11 acre park, playground and lake area, lets active families enjoy more outdoor fun together, regardless of the season.

N Th

Fi be m yo ne be on

V 88 New home Guide | JAN 18 - Feb 15, 2013

Year Round

Enjoyment.

Laurel’s unique amenities were

created so families could have more fun. Great snow means hitting the slopes, “toboggan style”, at the central park. After school and on weekends the hills come alive with families, bundled in their warmest winter garb, blasting through the snow.

NEW Home Sites For The New Year. Finding the ideal home site has never been easier. Laurel has just released 41 move up and 21 laned lots in Stage 4. If you’re looking for greater affordability, new duplex home sites have also just been released and many back directly onto a large green space and school site.

As southeast Edmonton’s premier lifestyle community, Laurel is only minutes from four shopping centres, the Millwoods Recreation Centre, Millwoods Golf Course and the Grey Nuns Hospital. Plus, at least six schools are close by.

Slide over to Laurel’s 13 show homes today and experience for yourself how attainable new home living can be in this spectacular family community.

For comprehensive community or builder information visit

www.livelaurel.com

Visit www.livelaurel.ca for community information, show home details and driving maps.

JAN 18 - Feb 15, 2013 | New home Guide 89

SOUTHEAST

View 11 New Show Homes

Live In A Natural Playground w w w. l i v e m a p l e c r e s t . c o m Another Family Community by 90 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

SOUTHEAST

A Quiet Natural Haven

Maple Crest, Dundee Developments’ new family community at the corner or 8th Street and Maple Road (38th Avenue), is a spectacular “natural” playground. Nestled among towering trees and rolling terrain are handsomely appointed homes, generous parks and walking paths for comfortable healthy living. The Fulton wetlands, in the community’s northwest corner, is a 75 acre lake and wildlife reserve, that’s being upgraded with trails, bridges and relaxation areas. Fulton Creek which winds through the neighbourhood is also bordered by tree lined ravine trails. The natural beauty complements superb lifestyle amenities. These include urban parks, playgrounds, and walking paths that connect with Edmonton’s world famous trail system.

Coming Soon – Stage 2 Home Sites Maple Crest will soon release a collection of NEW duplexes in Stage 2. These efficient homes are located adjacent the natural reserve. Many of them also back onto an oversized green corridor.

For information on this spectacular lifestyle community, view its 11 master crafted show homes featuring Edmonton’s most popular designs, features and stylings. Register for information, updates, show home information and directions at www.livemaplecrest.ca.

Participating Builders In Southeast Edmonton

Laned Homes

From The $390’s

From The $320’s

From The $290’s

- Coventry Homes - Landmark Homes - Greenboro Homes

- Homes By AVI - Landmark Legacy

- Lincolnberg Communities - Greenboro Communities

Duplex Homes

Maple Road (Was 38th Ave)

8th Street

Attached Garage Homes

17th Street

Fulton Marsh

Anthony Henday Drive

Whitemud Drive

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 91

Granada

4 2 Whitemud Dr.

1 ASPEN TRAILS/EMERALD HILLS

DEVELOPER: Genstar Development Co. BUILDERS: Coventry Homes, Greenboro Homes, Park Royal Homes, Sterling Homes, Landmark Communities, Christensen Developments LOCATION: Clover Bar Rd. North of Baseline Rd.

2 SHERWOOD GOLF & COUNTRY CLUB ESTATES

DEVELOPER: VIP Development Group BUILDERS: Open LOCATION: South of Wye Rd. on Range Rd. 233 Across from Fountain Creek Estates

vd Bl

sherwood park

Lakeland Dr.

Highway 628

3 FOXBORO

DEVELOPER: Qualico Communities BUILDERS: Challenger Homes, ReidBuilt Homes, MacLachlan Mitchell Homes, Open LOCATION: East of Clover Bar Road on Foxboro Drive

4 Balmoral heights

DEVELOPER: Landrex Developers BUILDERS: Open LOCATION: South of Wye Rd. on Rge. Rd. 233

5 ARDROSSAN HEIGHTS

DEVELOPER: Strata Developments BUILDERS: Open LOCATION: 4 miles east of Sherwood Park on Baseline Road North at RR 824 to Ardrossan NEW LOTS COMING SOON!

6 Lakeland Ridge

DEVELOPER: Genstar Development Co. BUILDERS: Challenger Homes, Landmark Homes, Ironwood Homes, Rohit Communities, Homes by AVI, Daytona Homes Master Builder LOCATION: Cloverbar Rd. & Crimson Dr.

7 Summerwood

DEVELOPER: Qualico Communities BUILDERS: Jayman MasterBUILT, Pacesetter Homes, Rohit Communities, Open LOCATION: East of Clover Bar Rd. North of Baseline Rd. on Lakeland Dr.

GIBBONS & AREA SCHOOLS 28

N Highway 28A Edmonton

53 Avenue

51 S tree t

St ur ge on Ri ve r

y wa gh Hi

50 A venu e

• GIBBONS SCHOOL 4908 - 51 Avenue 923-2240 [Gr. 5-9] • STURGEON COMPOSITE HIGH SCHOOL On Hwy. 37, one km. east of Hwy. 28 973-3301 [Gr. 10-12] • LANDING TRAIL SCHOOL 5325 - 37 Avenue 923-2899 [Gr. K-4] • REDWATER SCHOOL 5023 - 50 Avenue 942-3625 [Gr. 5-12]

gibbons

AREA INFO

1 LANDING TRAIL ACREAGES 2 LANDING TRAILS DEVELOPER: Strata Developments BUILDERS: High Grade Homes, Rosecroft Homes, Open LOCATION: 51 St. & Landing Trail Dr.

DEVELOPER: Strata Developments BUILDERS: Rosecroft Homes, Dynasty Builders, Morrow Homes, Open LOCATION: 53 St. & 40 Ave.

Landing Trails Acreages

Landing Trails Urban Lots

- Located within Gibbons Town limits - Lots 1/3 of an acre and larger

- Full town servicing - Architecturally controlled

- Prices starting at $155,000

- Prices starting at $87,000

- Only 4 Lots Left! Contact Courtney 780-481-4375 www.stratadevelopments.ca 93

fundamentallyspeaking

WAYNE KARL is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

Mortgage essentials

even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying anyway, today’s low rate environIT’S A HOT TOPIC IN A mode ment makes a pretty compelling reason to CHANGING LANDSCAPE, SO act sooner than later to take advantage of LEARNING AS MUCH AS YOU these opportunities. Low rates notwithstanding, the banks, CAN IS TIME WELL SPENT financial firms, brokers and other experts still by WAYNE KARL advise homebuyers to practice smart borrowing – everything from putting down a larger down payment to taking advantage of prepayment options and even “stress-testing” MORTGAGE INTEREST RATES, STILL AT HISTORICAL your mortgage at a higher rate to ensure your lows and expected to remain so well into this new year, finances can accommodate rate fluctuations represent a window of opportunity for those looking to or other unforeseen circumstances. buy a home. The mortgage industry is ultra-competitive, The mortgage market is a complex lenders often introduce new products and otherwise there beast, and as a prospective homebuyer, are plenty of options for borrowers. these are not lessons you’re going to learn If you could lock in at a overnight – nor do you likely want to. But just as important is to low rate over 10 years, for You’re focused on saving a down payment, also spend as much time as example, that gives you the getting your finances in order, searching comfort of knowing what potential neighbourhoods, choosing a necessary to ﬁnd a broker or your mortgage payments home and, when buying new, selecting banker you trust and who will be over that period, interior finishings. knows their business. while over that time you But just as important is to also spend can also take advantage of as much time as necessary to find a broker any pre-payment and lump-sum payment options to pay or banker you trust and who knows their down your mortgage. business. More so than in any other area Another appeal of this scenario is that, as we often of homebuying, you’re going to rely on the point out, experts advise you take a long-term view of advice of this member of your team – now your home purchase. For example, there is some talk at more than ever. the moment about cooling prices and softening sales. But It will prove to be time well spent. 94 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

1 WESTPARK

DEVELOPER: Landrex Developers BUILDERS: Landmark Homes, Beattie Homes, ReidBuilt Homes, Stoneridge Homes, Concept Homes, Daytona Homes Master Builder LOCATION: West side of Hwy. 21 between Westpark Blvd along Westpark Drive

2 SOUTHPOINTE

DEVELOPER: MLC Group/Cathton Holdings BUILDERS: Landmark Communities, Tristate Signature Homes, Active Homes, Impact Homes, IRONCO Master Builder, Integra Homes LOCATION: Junction of Hwy. 21 and Hwy. 15 on 94 Street

3 SOUTHFORT RIDGE

DEVELOPER: Strata Developments BUILDERS: Greenboro Homes, Coventry Homes, Rundle Homes, CMK Homes, Anez Homes, DaVinci Developments LOCATION: Southfort Blvd & Ridgeland Way

4 SOUTHFORT MEADOWS

DEVELOPER: Strata Developments BUILDERS: Homexx Homes, Landover Homes, Rayborne Homes, Stoneridge Homes LOCATION: Southfort Drive & Meadowview Drive

5 SOUTHFORT ESTATES

DEVELOPER: Strata Developments BUILDERS: Concept Homes, Homexx Homes, Landover Homes, Rundle Homes, Open LOCATION: Southfort Drive & Greenfield Way

6 FOREST RIDGE IN WEST PARK

DEVELOPER: Qualico Communities BUILDERS: Sterling Homes, Sterling Squared, Pacesetter Homes, Homes by Santos, Open LOCATION: Westpark Drive & Cranberry Bend

7 WEST WOODLANDS

DEVELOPER: Strata Developments BUILDERS: Oleksyn Homes, Clearview Homes, Open. LOCATION: 55 St. & Sunset cres. Bruderheim

8 SIENNA

DEVELOPER: Qualico Communities BUILDERS: Daytona Homes Master Builder, Sterling Homes, Sterling Squared, Rohit Communities, Open LOCATION: South on 94 Street to Sienna Gate

AREA INFO • POPULATION: Over 18,653 • LOCATED: Adjacent to the northeast boundary of the provincial capital, the City of Edmonton-15 minutes close. • SCHOOLS: 6 Public Schools, 3 Separate Schools, 1 Christian School. • GROCERY: Sobey’s Station Square, Canada Safeway, No Frills. • RECREATION & CULTURE FACILITIES: Dow Centennial Centre, Tennis courts, campground, baseball diamonds, golf course, indoor pool, outdoor ice rinks (2), curling rink, 3 arenas, indoor soccer, gymnasium, fitness centre, performing arts theatre, visual arts gallery, pottery studio. • MEDICAL FACILITIES: New Hospital Opening in 2012, 5 Medical Clinics. • PARKS & PATHWAYS: 360 hectares of park/ recreational/ natural land with 30 kilometres of paved trails for walking, running, biking, rollerblading and cross-country skiing.

A quiet, friendly, family oriented community.

“Life is good here!” For more information contact Jasmine Zebic 780-992-6408 or visit our website at www.fortsask.ca or email: jzebic@fortsask.ca

UNDER $370,000 ON PARK BACKING SOUTH 168 Durrand Bend Fort Saskatchewan

CALL 780.992.4937

email: info@impacthomes.ca

FULLY LOADED, TOO MANY UPGRADES

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IMMEDIATE POSSESSION AVAILABLE ON SEVERAL HOMES CALL OR EMAIL FOR MORE INFO

Standard 10 year Structural Integrity

FORT SASKATCHEWAN Y

THE PLACE FORT TO BE FOR SASKATCHEWAN EVERYONE... COME BUILD ★ ★ YOUR FUTURE WITH US ★ STRATA DEVELOPMENTS 15

TD OR

T OR HF . UT D SO BLV

F TH

780.481.4375 www.STRATADEVELOPMENTS.ca

For lot information call Andrew. 780.822.0086 THE ESTATES THE MEADOWS LOTS 1/3 Acre & Up! BRAND NEW

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New single family and duplex houses from:

CMK Homes, Anez Homes, DaVinci Developments, Rundle Homes & More!

Changing Your Address? Plan Ahead… There Always is the Chance That Something May be Overlooked!

As soon as possible… notify individuals, companies and institutions that your address will be changing, either by phone or by mailing the change-of-address cards from your post office. The following checklist will serve as a convenient reminder: ❏ Accountant ❏ Alumni Association ❏ Attorney ❏ Banks

❏ Lending Institutions

❏ Credit Cards

❏ Magazine / Newspaper Subscriptions

❏ Dentist

❏ Physicians

❏ Driver’s License

❏ Place of Worship

❏ Employers

❏ Revenue Canada

❏ Frequent Flyer Program

❏ Stockbroker

❏ Catalog Merchants

❏ Insurance Companies 96 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

❏ Investment Companies

❏ Veterinarian

FORT SASKATCHEWAN

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 97

To Fort Saskatchewan

66 St.

144 Av e.

a M 44 1

ve. 137 A

137 Ave.

129 Ave.

118 Ave.

1 St.

34 St. 151 Ave.

. Ave

Yel low ermitage hea dT rail H

82 St.

132 Ave.

Fo rt Rd .

97 St.

. Ave 153

nn ing Fwy .

167 Ave.

20 St.

167 Ave.

Tr. Victoria

50 St.

Hoo ke Rd

1 Lakeview

4 Brintnell

2 CENTRAL PARK AT CLAREVIEW CAMPUS

5 village at schonsee

Developer: Genstar Development Co. Builders: Landmark Legacy, Park Royal Homes, Landmark Homes Location: 175 Avenue at 87 Street

Developer: Alldritt Development Ltd. Builder: Alldritt Homes Location: 144 Avenue & 36 Street

3 McCONACHIE LANDING

DEVELOPER: MLC Group/Cameron Communities BUILDERS: Lenaco Homes, Cameron Homes, Reid Built Homes LOCATION: North of 167 Avenue & East of 50th Street

northeast

Bon Accord Gibbons

Developer: Qualico Communities Builders: Pacesetter Homes, Daytona Homes Master Builder Location: 163 Avenue & 41 Street

Developer: Bedrock Homes Builder: Bedrock Homes Location: 5495 & 5497 Schonsee Drive

6 McCONACHIE

Developer: Walton Development and Managment L.P Builders: Jayman MasterBuilt, Innovations by Jayman, Sabal Homes, Morrison Homes, Royal West Homes, Carlisle Group Location: 167 Avenue and McConachie Way

100 New home Guide | JAN 18 - Feb 15, 2013

communityprofile

McConachie ...the community within by CANDACE L. SMITH

url up in a comfortable chair on your front porch while listening to the birds as you sip on your morning coffee and think about what was important about the neighbourhood you grew up in. More often than not, it was knowing the neighbours, walkability to the park, school and the corner store or a pickup game of street hockey. McConachie is a Walton Development and Management L.P. (Walton) community that fulfils your expectations from yesterday and your dreams for tomorrow. Many areas have lost this sense of neighbourhood but McConachie has brought it back! This picturesque, family oriented and architecturally controlled community is nestled within the bustling north east Edmonton. Relax on a park bench while watching the birds that inhabit the six acre pond or jog the pathways

that are tailor made for families to enjoy and explore nature together. Beautiful streetscapes add to the wonderful family energy McConachie offers. Organize impromptu team sports with your neighbour’s kids or get the grownups together for a pickup game of baseball or soccer. A District Recreation Campus will be developed within the community of McConachie in the near future – designed playing fields and green spaces will keep your family in fitness and fun always. Careful planning right down to neighbour friendly cul-de-sacs, back lanes and solid community fencing give the homeowner security and pride in ownership... McConachie, the community within. AMENITIES Next to extensive retail shopping, fitness, banks, Tim Hortons, library, schools, clinics, bus routes, LRT – whatever the family needs or wants! The proximity to mass transit, Manning and Anthony Henday freeways not only make getting around town a snap but has a significantly positive impact on property values – just 10 minutes to St. Albert, Ft. Saskatchewan and Namao. With easy access to major roadways and minutes to shopping centers, there is so much to enjoy without the hassle of long commutes.

communityprofile

Careful planning right down to neighbour friendly cul-de-sacs, back lanes and solid community fencing give the homeowner security and pride in ownership. Lifestyle – Life Cycle The McConachie lifestyle is for everyone, young and old. From the overall design of the community, to the variety of home styles to choose from, there is something for all. As the community continues to grow, a variety of housing is being introduced for people enjoy a complete life cycle within the community. Whether you want a twostorey, townhouse, bungalow or apartmentstyle condo McConachie has the right home, at the right price waiting for you. An example of the variety that McConachie has to offer can be seen in the adult lifestyle bungalows at the entrance to McConachie. There is a big demand for this type of lifestyle home by the 50-plus crowd and like the other housing styles selected for the community, these homes have unique details that Walton puts forth when designing their communities. McConachie’s the latest townhome project, Altitude, by the Royal West, is 102 New home Guide | JAN 18 - Feb 15, 2013

ideally located and perfectly priced in the low $260’s. Royal West Homes is delighted to present Air Harbour... perfect bungalows with exceptional value. These stylish, low maintenance, energy efficient homes have a very long list of quality standard features. Recently revealed Stage 4 Lots are nestled back into natural stands of trees. These highly soughtafter lots have either front attached and rear lane access garages. There is a nice flow to the community with its wide array of homes to choose from that range in size and price guaranteed to accommodate the needs of a growing family or those looking to downsize. This blend of housing types adds value to each home and value to each choice in the future. Not a cookie cutter style of house in this stylish community and certainly not a cookie cutter style of living. McConachie is a community for those who love style, enjoy their neighbourhood and want convenience. Both the developer and the builders have worked closely to ensure that this community vision is demonstrated throughout every aspect of McConachie, from the tree lined boulevards, greenspaces to rhythmic streetscapes. The Arts & Crafts Home Design The Arts & Craft design is resurging as people seek to reconnect to a time where family values were important. The exteriors boast individualized appearances with gables, porches and a variety of tasteful and relaxing colours. The window placement on each home goes beyond the average use – they bring natural light into the rooms in a glorious manner that enhances the beauty within. People often think the Arts & Craft open concept as being a contemporary innovation but in fact, world renowned architect Frank Lloyd Wright often employed open spaces, natural colours, textures and glass to complement the environment and bring in generous amounts of natural light. So it is no surprise Walton chose innovative and detail conscious builders to make their vision of McConachie a

reality. Backyards are perfect for family living – room for the kids to play and adults to entertain, which today’s buyer accepts as an interactive extension of their home. McConachie has created excitement with 15 award-winning builder showhomes that show case style, quality, affordability and value – the cornerstones of this delightful community. A big part of the community’s success is the award-winning builder group, Jayman MasterBUILT, Sabal Homes, Morrison Homes, Royal West Homes and Innovations by Jayman. They have invested much time to research what today’s buyer is looking for in a new home – each have raised the bar by introducing a number of unique and dynamic floorplans. Walton is proud to present these high quality single homes in McConachie starting in the affordable $320’s. Your Community, Your Home Walton believes that the process of creating great places to live is not just about pipes, concrete and roads… it is about family and friends, a sense of place and where we create family memories. Walton communities are designed to be truly enduring places, more so today than ever before; they must embrace social, economic and environmental sustainability. A home is not just a place to eat and sleep, it is place for families to

develop memories. Whether it is a celebration of your first home together, bringing your first child home, their first day of school or their graduation and your retirement, your home provides a place to capture every moment. The right community offers a backdrop for these memories to be played out. McConachie as whole provides the perfect community for every lifestyle and the builders provide the perfect picture frame for these memories to be captured. A Walton community embraces the spirit of its residents… today, tomorrow and for future generations yet to come. Visit McConachie today. Showhome hours: Mondays to Thursdays 2 to 8 p.m., Sundays and holidays noon to 5 p.m. , mcconachie.ca JAN 18 - Feb 15, 2013 | New home Guide 103

homebuyers’help

CALCULATE YOUR MORTGAGE PAYMENTS CALCULATE YOUR MORTGAGE PAYMENTS MONTHLY PRE-TAX INCOME

DIVIDE BY 3

CHART FIGURE

AMORTIZATION AMOUNT

SPOUSE’S PRE-TAX INCOME

AFFORDABLE MONTHLY PAYMENTS

AMOUNT OF MORTGAGE DIVIDED BY 1,000

ESTIMATED MONTHLY TAXES & HEAT

TOTAL PRE-TAX INCOME

AMOUNT OF MORTGAGE (PRICE – DOWN PAYMENT)

AMORTIZATION AMOUNT

MONTHLY PAYMENTS

MORTGAGE PAYMENT CALCULATION CHART INTEREST RATES %

AMORTIZATION PERIODS 5 YRS

10 YRS

15 YRS

20 YRS

25 YRS

5.00%

18.84

10.58

7.88

6.57

5.81

5.25%

18.96

10.70

8.00

6.70

5.95

5.50%

19.07

10.82

8.13

6.84

6.10

5.75%

19.18

10.94

8.26

6.98

6.25

6.00%

19.29

11.06

8.39

7.12

6.39

6.25%

19.41

11.18

8.53

7.26

6.54

6.50%

19.52

11.31

8.66

7.40

6.69

6.75%

19.63

11.43

8.79

7.54

6.85

7.00%

19.75

11.55

8.93

7.69

7.00

7.25%

19.86

11.68

9.06

7.83

7.15

7.50%

19.98

11.81

9.20

7.98

7.31

7.75%

20.09

11.93

9.34

8.13

7.47

8.00%

20.21

12.06

9.48

8.28

7.63

8.25%

20.32

12.19

9.62

8.43

7.79

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

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.)

104 NEW HOME GUIDE | JAN 18 - FEB 15, 2013

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

MORTGAGE INTEREST RATES VARIABLE

6 month

1 year

2 years

3 years

4 years

5 years

ATB Financial

3.000

4.000

3.100

3.140

3.700

4.390

3.190

Bank of Montreal

3.100

4.000

3.100

3.140

3.700

4.640

5.240

Bank of Nova Scotia

3.100

4.550

3.650

3.890

3.990

4.390

4.990

CIBC Mortgages

3.200

4.450

3.000

3.140

3.700

4.390

5.240

BMO

3.100

4.000

3.100

3.140

3.700

4.640

5.240

Canadian Western Bank

3.200

4.000

3.100

3.140

3.700

4.640

5.240

Canadian Western Trust

3.200

4.000

3.100

3.140

3.700

4.640

5.240

First Calgary Financial

4.000

2.390

3.140

2.990

3.290

First National Financial

3.000

3.950

2.740

2.690

2.890

3.150

3.090

HSBC Bank Canada

3.100

4.450

3.600

3.950

4.450

4.990

5.240

ING Direct

3.000

3.250

3.090

Investors Group Trust

3.000

4.000

3.100

3.140

3.700

4.640

5.240

London Life

3.000

4.000

3.100

3.140

3.700

4.640

5.240

Manulife Bank

3.000

4.450

3.000

3.100

3.150

3.190

Manulife Trust

4.450

3.000

3.100

3.150

3.190

Meridian Credit Union

2.850

4.450

3.100

3.140

3.700

3.400

3.280

National Bank

3.200

4.000

3.100

3.140

3.700

4.640

5.240

Ontario Civil Service CU

3.000

6.000

3.000

3.140

3.240

3.300

3.240

4.500

3.100

3.350

3.700

3.850

3.950

3.200

6.040

3.140

3.200

3.240

3.350

3.440

2.490

2.590

2.890

3.090

3.240

3.200

4.000

3.000

3.040

3.650

4.640

5.240

4.000

3.100

3.140

3.700

4.390

5.240

3.200

4.000

3.000

3.040

3.650

4.640

5.240

3.150

3.250

3.350

3.390

3.440

Peace Hills Trust President’s Choice Fin’l RMG Mortgages Royal Bank of Canada Servus Credit Union T-D Mortgage Your Neighbourhood C.U.

MORTGAGE TYPES ALL MORTGAGES ARE OF TWO BASIC TYPES: CONVENTIONAL The buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less. The buyer has to pay 20% down. A conventional mortgage cannot exceed 80% of the value of the property. INSURED OR HIGH-RATIO: A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

MORTGAGE OPTIONS You can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs. OPEN MORTGAGE: Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty. Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a shortterm mortgage at high interest rates to a longer term when mortgage interest rates fall. CLOSED MORTGAGE: Usually has the lowest interest rate available but lacks the flexible features of other mortgage options. A good choice for those who want the security of knowing their monthly payment is fixed for a longer term. Prepayment options are available but they are subject to conditions. PORTABLE MORTGAGE: Flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

PREPARED BY CANNEX ON JANUARY 8, 2013. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2012 CANNEX Financial Exchanges Limited. All rights reserved.

JAN 18 - FEB 15, 2013 | NEW HOME GUIDE 105

Come Home to Bedrock! Visit Our Showhomes

Open from 3-8pm Mon-Thurs, 12-5pm Sat & Sun Closed Friday, Holiday Hours 12-5pm SINGLE FAMILY HOMES

DUPLEXES WEST Hampton Pointe

Homes from $321,000 20308 44 Ave 780.756.1038

SOUTHWEST Windermere South

Homes from $331,000 1026 + 1022-177 A St. 780.756.2635

SOUTHEAST Willow Haven

Homes from $331,275 5624 7th Ave SW 587.520.0937

SOUTHEAST

WEST

SOUTHWEST

Laurel Crossing

Granville

Windermere South

NOW OPEN! Homes from $326,800 3132 + 3128 17 Street 587.520.0374

NORTHWEST Palisades

Homes from $320,500 13716 165 Ave NW 780.757.3506

LEDUC Robinson

Homes from $282,000 605 Reynalds Way 780.980.8506

FINAL SELL OFF! The Fields of Summerside Homes from $428,000 Call 780.469.2525

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Homes from $427,000 Call 780.757.3506

Homes from $390,900 3616 Goodridge Cres. 780.761.3722

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Homes from $381,000 20308 44 Ave 780.756.1038

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Homes from $444,000 391+389 Windermere Rd. 780.761.2211

Ambleside in Windermere Homes from $439,000 759 Adams Way SW 780.757.5880

Homes from $342,000 1017-177A Street 780.756.2635

Creekwood

Homes from $381,000 411 + 413 Chappelle Dr. SW 780.756.1853 Open Mon-Thurs: 2-8 pm

SOUTHEAST Aurora at Walker Lake NOW OPEN! Homes from $402,000 3103 + 3105 Winspear Cres. 587.520.0935

SOUTHEAST Willow Haven

Homes from $390,900 5624 7th Ave SW 587.520.0937

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Homes from $388,000 13716 165 Ave NW 780.757.3506

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Homes from $386,900 5495 + 5497 Schonsee Dr. North of 167th Ave, East of 82nd Street

780.457.1956

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Homes from $418,000 52 Everitt Drive 780.756.2018

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Homes from $342,000 13 Selkirk Place 780.980.8528

Robinson

Homes from $348,000 605 Reynalds Way 780.980.8506

SPRUCE GROVE McLaughlin

Homes from $370,000 164 McLaughlin Drive 780.571.1731

Pric veh not Offe

BEDROCK HOMES’ GIFT TO YOU ...

A BRAND NEW HYUNDAI ACCENT

FOR FREE WITH YOUR NEW HOME!‡ Visit a Bedrock Showhome for more details!

www.bedrockhomes.ca Prices include home, lot & net GST. Some terms and conditions apply. Please contact Area Manager for more details. ‡Promotional vehicle is a 2013 Hyundai Accent 4 door L 6 MT. Value of promotional vehicle may be put towards any Hyundai model. Vehicle may not be exactly as illustrated.. Delivery and Destination charge and GST paid by purchaser. Contact Area Manager for full details. Offer ends January 31, 2013.

106-107-Bedrock 01-18-13.indd 107

1/10/13 11:01:17 AM

108-United-Allard 01-18-13.indd 108

1/11/13 5:04:54 PM