January 5 - 19, 2013 Volume 21 Issue 01
INSIDE THIS ISSUE
EXPLORING YOUR MORTGAGE OPTIONS
LOOK AT THE BOTTOM LINE BEFORE YOU SIGN
STAGE YOUR EXISTING HOME FOR MAXIMUM PROFIT
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NOW OPEN
© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. December 2012. 19361
MOTO MODERN TOWNS ON BAYVIEW
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ASPEN RIDGE NEW HOME FINDER
Brampton
King City
Kleinburg
Markham
Nobleton
Credit Manor Heights NOW OPEN Mississauga Rd. & Steeles Ave. Towns from $400’s Singles from $600’s
King Oaks NEW RELEASE MIKE NIVEN MODEL East side of Keele St., south of King Rd. 60', 70' & 80' Singles from $1.1 million 905.539.0181
Kleinburg Hills SALES OFFICE NOW OPEN Hwy. 27 & Major Mackenzie Dr. 40', 50' & 60' Lots Singles from $800’s
Upper Cornell MODEL HOME NOW OPEN Northeast corner of 9th Line & Bur Oak Semis & Singles from the mid $490’s
King Country Estates NEW RELEASE TWO MIKE NIVEN MODELS East side of Hwy. 27 just north of King Rd. Singles from $780’s
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15TH SIDEROAD
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NORTH
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KING ROAD ZENWAY HWY 7
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HWY 400
NORTH
HWY 27
YONGE ST
15 TH SIDEROAD
HWY 427
HWY 407
HWY 400
RUTHERFORD RD
HWY 7
HWY 407
SALES OFFICE
BUR OAK AVE.
HWY 404
MAJOR MACKENZIE
SALES OFFICE
KEELE ST
NORTH
MAJOR MACKENZIE
HWY 27
SALES OFFICE
DUFFERIN STREET
KEELE STREET
KING RD
NORTH
CARDREW ST.
STEELES AVE.
HWY 400
SALES OFFICE
MAVIS RD.
MISSISSAUGA RD.
KING ROAD
NORTH
contents january 5 - 19, 2013
||
page 80
Trendspotting: Mugged
volume 21 issue 01
cover story
p. 32 ballantry homes Spring Valley Village in Brampton – where nature meets the city
24
36
community focus features 24 brampton Fieldgate Homes
Grand opening – new designs in a new location at Valleylands 36 huntsville
Skyline International Developments
Construction now underway on Deerhurst Golf Cottages 82 mono
Brookfield Homes
82
Find your dream home at Brookfield Homes’ Fieldstone
38
14 20
30
regular and special features in every issue
4 10 38 94
editor’s note contributors hot dates ad index
34
BILD Report
Why are there so many condos under construction?
by Bryan Tuckey
22 Legally Speaking
Not every lawyer is a real estate lawyer
by Jayson Schwarz
30
taxing issues
20 style file
by Hugh Heron
28 colour of the year
Look at the bottom line before you sign on the dotted line
64 the mortgage minute
Is a variable rate mortgage right for you?
columnists
16
industry outlook
by Peter Kinch
68
home smarts
How to stage your existing home for maximum profit by Marnie Bennett
96 fundamentally speaking
Learning about mortgages is time well spent by Wayne Karl
Captial expenditures and deductible expenses
homebuyers’ help
by Henry Choo Chong
14 mortgage options
Explore your options before signing for a mortgage
The coffee table by Yanic Simard
Emerald City
by Silvana Longo
44 quick tips
Resolve to get organized in 2013
46 smart shopper
Exclusive discounts and deals for our readers 80 trendspotting Mugged by Elisa Krovblit
87 resource section
Mortgage Calculator and Rate Table
91 GTA Hot Sheet
Two pages of new openings, new releases and preview registrations
editor’snote
New home experience
Make wise choices and enjoy the process
W
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
Like us on Facebook. Search: New Home Guide
Resolve to plan carefully in 2013
Still-low rates provide homebuyers with an opportunity to buy, but not at any cost
T
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
4 New home guide GTA | january 5 - 19, 2013
Like us on Facebook. Search: New Home Guide
dreams We build
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A collection of Urban Townhomes and Mid Rise Condominiums coming soon to Oakville
ballantryhomes.com Prices and specifications are subject to change without notice. E.&O.E.
Now Under Construction SOMERSET SOUTH
Now Under Construction MILLSTONE ON THE PARK
Durham’s Model Home of the Year 37' & 42' Detached Homes Salem Rd. N. & Williamson Dr. E., Ajax Starting from $469,990
Urban Towns Now Previewing Modern Towns Now Under Construction Dundas St. W., east of Bronte Rd., Oakville Starting from the low $300’s
Visit us at menkes.com 905.428.0500
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Now Previewing THE ENCLAVES OF UPPER CANADA
Now Open BLOOM PARK TOWNS
Semi Links & 30’ Detached Homes Guelph St. & MacFarlane Dr., Georgetown Starting from the low $400’s
Design Forward Townhomes Bathurst St. & Finch Ave., North York Starting from the low $300’s
Visit us at menkes.com 289.891.9103
Visit us at menkes.com 416.730.1600
facebook.com/MenkesLife 6
@MenkesLife
menkes.com
Where will your storey take you this Holiday Season?
Happy holidays from your friends at Menkes. For the last sixty years, Menkes has been a central chapter in the Life Storeys of so many. From spacious, single family homes in friendly neighbourhoods to sleek and contemporary condominium retreats, discover spaces that allow you to create the storeys that matter most – yours.
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Towns Browns Line & Evans Ave., Etobicoke
Towns North of Burnhamthorpe Rd. off The West Mall, Etobicoke
Register at menkes.com 416.642.8955
Register at menkes.com 416.642.8955
Coming Soon
menkes.com 7
THE
PRESERVE OAKVILLE
The Preserve Is Our Tribute To Oakville Living.
8 New home guide GTA | january 5 - 19, 2013
mattamyhomes.com
Watercolours Community
Mattamy Model Home Interior
Downtown Oakville
Oakville is our home. It’s where we started in 1978 and now we invite you to make Oakville your home as we present The Preserve. The streets of The Preserve will present a collection of high style homes offering the very best in contemporary living. You’ll find well appointed Village Homes, distinctive Rear Lane Townhomes and a full selection of 34', 38', 45' and 50' Detached Homes. The Preserve will offer many parks and village squares that provide a small town, friendly atmosphere. There is an old growth forest in The Preserve. Ponds and a landscaped channel will add to the serenity. Families will enjoy inspirational walks with spectacular views. We invite you to experience our high watermark community, The Preserve in Oakville.
Elev. ‘E’
Village Home, The Clearwing, Elev. ‘E’, 1,135 Sq.Ft., $374,990
38' Home, The Alder, Elev. ‘E’, 2,459 Sq.Ft., $712,990
Hwy 40 3
Sales/Design Centre
4th Line
Detached Homes From $604,990
3rd Line
Freehold Townhomes From $354,990
Bronte
Hwy 5
QEW
Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.
9
New home guide
contributors
vice-president, wall2wall Media
Jacqueline Hill
Sales Manager New Home guide GTA, new condo guide, home décor & renovations
Conni Robinson
associate publisher, NEW home & condo guide SWO, lifestyle communities
Susan Maxwell
editor-in-chief, National real estate
Susan Legge Editor
Wayne Karl art director
Julie Yoo BILD Report
Bryan Tuckey Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/ bildgta), Facebook (facebook.com/ bildgta), Youtube (youtube.com/ bildgta) and BILD’s official online blog (bildblogs.ca)
Taxing Issues
Henry Choo Chong, CGA
Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Send your tax questions via email to Taxing Issues at: choochonghcga@ yahoo.ca
Legally Speaking
Jayson Schwarz, Schwarz Law Barristers and Solicitors
Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw. ca or by email at info@schwarzlaw.ca or phone at 416.486.2040
industry outlook
Hugh Heron
Heathwood Homes
Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.
contributing Editors
Janine Druery, Elisa Krovblit, Silvana Longo, Lydia McNutt (on leave), Sara Duck (on leave) senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive
Dionne Fraser dionne.fraser@wall2wallmedia.com Sales & marketing co-ordinator
Terry Bassett
distribution & sales co-ordinator
Jennifer Bistron
administrative assistant
Antoinette Jackson production Manager
Bala Gnanapandithan production co-ordinator
Sandra Hanak-Vujnovic graphic designers
Alexander Yakubovich, Sandra Hanak-Vujnovic National Account Manager, Mediative
Paul Slizys
Published by
Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.
the mortgage minute
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
home smarts
Marnie Bennett Marnie Bennett is a broker and the team leader of Bennett Property Shop Realty, a full premium service five star real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate. Marnie is the host of the weekly radio shows the Real Estate Hour and Business Class, a millionaire real estate investor and a real estate wealth management coach. bennettpros.com
10 New home guide GTA | january 5 - 19, 2013
style file
Yanic Simard Yanic is design editor of New Home Guide sister publication New Condo Guide and principal designer of Toronto Interior Design Group. Yanic often applies his signature high/low and old/ new combination techniques in developing his unique designs. He has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca for more information.
#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867
Advertising Call 416.626.4200 for advertising rates and information.
Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.
Circulation
Copyright 2013 All rights reserved by New Home Guide,
Toronto, Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. Terms Advertisers,
Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.
Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com. Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.
Markham
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11
12 New home guide GTA | january 5 - 19, 2013
january 5 - 19, 2013 | New home guide GTA 13
mortgageoptions
Explore the options before you sign your next mortgage renewal
When it’s time to renew your mortgage, sharpening your focus and thinking about your future could help put thousands of dollars in your pocket. Too often, Canadians receive their renewal notice and sign on the dotted line without weighing their options. Don’t be swayed by the convenience. By doing your homework, you’ll likely be one step closer to being mortgage-free. Chances are your circumstances have changed from when you obtained your first mortgage. Whether it’s a change in your job or family situation, renewal time is a great opportunity to re-evaluate your needs and the mortgage that would work best for you. In most provinces when you renew your mortgage, you are simply starting the mortgage from scratch. The existing mortgage is closed and a new mortgage with new terms and rates is set up. Typically, the process starts when your lender sends you a mortgage renewal statement about 30 to 45 days before your current mortgage matures. At that point, you will have to make an important decision about your future mortgage. Will it be based on signing the renewal notice and returning it to your financial institution, or will you take the time to meet with your lender face-to-face? If you make the wrong choice it could be a costly mistake. Since most lenders want to 14 New home guide GTA | january 5 - 19, 2013
keep your business, meeting with them could help you secure a reduced interest rate and a better term. The renewal letter from your lender may not give you the best rates available. In fact, these are often higher than the lender’s lowest rate. Negotiating a rate and other privileges can strengthen your financial position over a period of time. If your lender is not willing to do this, you are not obliged to renew your mortgage with them. Understanding Your Options 01 If you can afford it, pay down on the existing mortgage before signing the new deal. It can save you a lot of interest over the life of the mortgage. 02 Banks are often willing to negotiate rates and terms, but are restricted by the products they have. On the other hand, mortgage brokers deal directly with the mortgage underwriting department from most financial institutions and can look for the lowest interest rate on your behalf. Whether you choose to deal with a bank or a mortgage broker, both aim to find you a mortgage based on your needs. 03 The new mortgage should be tailored to your specific needs and not to the latest headlines in the financial section of the newspaper or on television. Interest rates can rise and fall like a roller-coaster and are hard to predict over long time frames. 04 Northwood Mortgage recommends that if the renewal rate is lower than your previous rate and you are still comfortable with making these payments, keep the payments the same at the lower rate. By doing this, you will reduce the amortization period of your mortgage. 05 There is a variety of mortgage types available for homeowners and choosing the right one can be confusing.
Lenders will offer you terms ranging If you can afford it, pay 07 Renovations are from short-term open to longer-term a great way to indown on the existing closed and locked-in rates. Centum the value of mortgage before sign- crease Pacific Mortgages suggests that if you your home, but ing the new deal. It can these projects are plan to sell your home soon, a shortsave you a lot of inter- usually expensive. term mortgage or one with flexible est over the life of the You can make this terms will help you avoid penalty mortgage. charges before the mortgage comes type of project afto an end. fordable by adding Making more money? Try shorta line of credit to ening the term of the mortgage by paying bigger lump your mortgage, using existing equity or sums each month. This strategy not only cuts the repay- keeping your mortgage payments low. ment period, it also saves you interest in the long term and pays down your mortgage faster. Although it increas- 08 Refinancing your mortgage is es your monthly mortgage payment and raises your month- something you may want to consider ly expenses, it’s a great option for those who are finan- during mortgage renewal time. Reficially sound, planning an extended leave or working toward nancing frees up cash you may need early retirement. for the unexpected. If you choose to Apart from making larger payments, you can also refinance, Centum Pacific Mortgages change the frequency of your mortgage payment from says you must pay out the mortgage monthly to biweekly or weekly installments, which will in full and arrange a new mortgage save you a bundle in the long run. with the same or a new lender. HowIf your budget is tight, choosing a long-term mortgage ever, you will be expected to pay extra with a lower, fixed-interest rate may be a better option. fees such as appraisal, legal and othA three-, four- or five-year term is considered a long-term er costs, as it is considered a brand mortgage. And even though the rates are higher than a new mortgage. short-term mortgage, it can help you manage your budget accordingly. Becoming mortgage-free requires some planning. Taking a fresh look 06 You can increase or decrease the amortization period at your future and staying on top of of your mortgage, which can range up to 30 years. If you your renewals will not only help you are looking to minimize your monthly payment, a longer get the best deal, it will also help repayment period is perfect. If you are looking to pay off you enjoy the benefits of home ownyour mortgage faster, a shorter amortization period is the ership sooner. way to go.
january 5 - 19, 2013 | New home guide GTA 15
bildreport
Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/ bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca).
number of homes under construction is because homes in a condominium building can take three to five years to move through the process until built out to completion. The shift in housing type is evident not just by looking at the skyline, but by looking at the sales figures over the last decade. Ten years ago, 75 per cent of the new homes sold in the GTA were ground-related and 25 per cent were highrise homes. Last year, 62 per cent of new homes sold were highrise and 38 per cent were ground-related. From an economic perspective, that’s something we should all be proud of because by Bryan Tuckey it means jobs. Each project represents about 200 to 500 jobs for four to 10 years. Instead of negative headlines, we should I was perplexed by the headlines last week after the also be celebrating the fact that 88 per cent release of the Bank of Canada’s report, Financial System Review. This of the highrise homes under construction comprehensive 63-page report looked at a wide range of issues such as across the GTA right now are sold and will challenges across the global market, interest rate projections and Cana- be occupied by new homeowners soon. dian household finances and the housing market. When a multi-faceted Sounding the alarm on a robust conreport like this is released, we all have to work together to better under- dominium market that provides homes to stand the very dynamic and complex housing market, especially in the first-time homebuyers, small families, GTA. I’m going to try and provide some context and clarity. down-sizing baby-boomers and renters is First, some context: every year, 100,000 people choose the GTA as their not helpful. home. That’s equivalent to the city of St. John, NB moving here year after A deeper look reveals that provincial year. To provide homes for this growing population, our industry meets the land-use policy has caused an imbalance challenge of building about 40,000 homes annually to meet the demand. in housing type by constraining land supply This year, we are expecting to sell about 35,000 new homes in total and recent changes to mortgage regulations and that’s in line with our projections. The majority of the new homes by the federal government have already sold this year were highrise homes, and what we’re experiencing in the eroded consumer confidence. new home market is different than what we’ve experienced in the past. We need to wake up to the real stories: The change is a direct result of provincial public policy that has encour- Toronto has a successful condo market that aged intensification in existing communities and constrained land supply is the envy of most North American cities, in the regions surrounding the city of Toronto. and choice and affordability in the groundTherein lies one of the major missing facts from last week’s coverage related housing market are disappearing. of the Bank of Canada’s report, which correctly states that “the total These are the stories that need to be told. number of housing units under construction has been increasing and is now well above its historical average relative to the population.” Find the Financial Systems Review report Ten years ago, the majority of homes sold and constructed were on the Bank of Canada’s website at lowrise, and now they are highrise. The reason there is an increasing bankofcanada.ca
Why are there so many condos under construction?
16 New home guide GTA | january 5 - 19, 2013
GTA’s exciting free monthly home design magazine Featuring the newest products and hottest design trends for your home, inside and out.
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18 New home guide GTA | january 5 - 19, 2013
19
stylefile
The coffee table by Yanic Simard
coffee table might be the way to do it. I’ve narrowed down landing place for all, and the centre of attention: it’s the the vast selection of tables to my top seven picks: coffee table. I did a segment on CityLine recently about various 1. WASHED WOOD & METAL RECTANGLE coffee tables – sizes, shapes, finishes and how to acces- If you’re looking for durability and practicality, this is my sorize them. We kept the same living room set through- number one choice. The typical size of a rectangular cofout the segment, and swapped out only the coffee table fee table is approximately 56-by-31-by-17 in., making it and it’s accent pieces, creating many different looks. the perfect size for displaying several groupings of items Everyone was so surprised at how different the room such as collectables. For added storage space, or the perlooked each time. fect spot for magazines and books, look for this type of If you want to give your space a whole new look, a table with bottom shelf that hovers just off the floor. IT’S A NECESSITY FOR ANY FAMILY ROOM, the
20 New home guide GTA | january 5 - 19, 2013
Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca
2. ODD-SHAPED GLASS COFFEE TABLE
5. GROUPING OF STOOLS
Transparent finishes such as glass are sometimes all a Combining two to six of the same or different stools tospace needs to make it feel more open and airy. This clas- gether to create one coffee table is a look I really love. sic Noguchi-inspired table’s irregular shape adds interest This idea is great for small spaces where you might not and character to a typical furniture setting. Pairing this have the room to bring in a full-size coffee table and, again, coffee table with a sectional sofa looks phenomenal. Ac- functionality wins big here because it can be moved cessorize this with opaque items at varying heights, keep- around the room or even from room to room. No accesing the items toward the centre point of the surface. sories are needed for this style of table. 3. THREE-PIECE OVAL/RECTANGLE COCKTAIL TABLE
I love this classic three-piece table because it’s so functional. Those who entertain favour it because they can use the two demi-lune ends as side tables which allows for more spread out landing areas for drinks and snacks. The shape and style of these tables are so pronounced that no accessories are needed – it stands alone beautifully. 4. OVERSIZED SQUARE UPHOLSTERED OTTOMAN
Comfort and cosiness is instantly injected into a room when you bring in a large ottoman covered in fabric or leather. Another family favourite, this piece is versatile because it also functions as extra seating. To accessorize, simply look at the top of the ottoman as a grid divided into four sections, and accessorize each section individually (for example, 1. stacked books, 2. pillow/throw, 3. bowl/vase, 4. tray).
6. LOW, FAUX STONE COFFEE TABLE
Bringing in a piece like this is completely unexpected which is why it works so well in any décor. The look is more natural and less refined, and it helps in visually weighing down a space that lacks balance (but it’s not actually heavy at all). A lower coffee table is in need of accessories that have height, such as a globe, a stack of books, and an orchid flower. 7. ROUND, WOOD TABLE
I’ve found that this traditional table is an all-time favourite among almost everyone. What’s not to like about the smooth and soft curves and the classy finish? Pair this classic-style table with a modern sofa for a sophisticated, designer-worthy look.
If you want to give your space a whole new look, a coffee table might be the way to do it
january 5 - 19, 2013 | New home guide GTA 21
legallyspeaking
Not every lawyer is a real estate lawyer
Jayson Schwarz LL.M. is a Toronto real estate lawyer and senior partner in the law firm Schwarz Law LLP. If you have a topic in mind, email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.
Who is making the referral? Is the referral coming from a real estate agent, a mortgage broker or a bank? This is not necessarily bad, but you have to be careful. Quite often, lawyers develop relationships with various groups over the years and receive referrals because they do a great job. On the other hand, ensure that your lawyer is independent and will represent your interests even if it puts him/her into an adversarial position with one of those parties. This is quite important, so make Not all lawyers are created equal. If you needed a sure you get comfortable with this issue heart surgeon, you certainly would not go to see a podiatrist. By the same before you hire someone. token, lawyers generally have expertise in one area greater than another. Now to bring this back to the original Do not believe that the granting of a law degree instantly bestows knowl- idea, what you need to understand is that edge of all laws on the head of a lawyer. there are general law practitioners just The first thing you need to do to find a lawyer is the same thing you like there are family doctors. What this ought to be doing to find a home – research! Where do you look? Start means is that a lawyer may have a widewith media and look in magazines (editor’s note – you already have your ranging practice composed of many areas. issue of New Home Guide, so you’re off to a good start!), newspapers, The smart lawyer who falls into this catlisten to radio, watch real estate television. Generally speaking, the egory knows that if there is a serious issue lawyers who appear in public, speaking or writing that arises outside about real estate, are thought to be experts in the of their expertise area. Go to seminars and listen to the speakers. they should bring ...so make sure you get Generally, if a lawyer is taking the time to parin a specialist, just comfortable with this issue like your family ticipate in a seminar, he/she knows what he/she before you hire someone. is talking about and is happy to take on new clients doctor would. The that come out of those seminars. bad lawyers try to Next, go online and check out the websites of do it all. The different real estate lawyers. Look to see whether they give good, infor- general practitioner can probably handle mative advice; whether they give you pricing; and whether they make your real estate deal just fine, but make you feel comfortable. sure he/she understands any complicated Call the Law Society of Upper Canada, Lawyer Referral Service, offers and that he/she reviews them carewhich can be found in the telephone book. This service keeps lists of fully, pointing out any problems. Ensure lawyers and refers requesting members of the public to lawyers who that he/she knows what can be negotipractice in the area requested. This just gets you someone in the area. ated and what cannot, or you may lose You really need to check them out when referred. your deal. Speak to friends who have used a lawyer for the type of service you Remember, your lawyer is a very imrequire and ensure they did the job professionally, courteously and for portant part of the process, so take your the price quoted. time and find the right one. by Jayson Schwarz
22 New home guide GTA | january 5 - 19, 2013
BUYING, SELLING OR REFINANCING A HOME?
YOU NEED A LAWYER Quality legal services at the right price* Konstantine Chatzidimos
Helping YOU make your home buying dream a reality
BRAMPTON office
10 Wilkinson Rd. Unit 22 Brampton, Ontario L6T 5B1
905.455.5777
Toll Free: 1. 888.609.8888 Fax 905.452.8135
849
$
Jayson Schwarz
plus HST
Toronto office
1984 Yonge St.,Toronto, Ontario M4S 1Z7
416.486.2040
Toll Free: 1.888.609.8888
Fax 416.486.3325
www.schwarzlaw.ca *Certain Terms and Conditions shall apply. Full disbursement disclosure.
23
communityfocus
fieldgate homes
Valleylands
GRAND OPENING New designs in a new location at
Valleylands in Brampton location Brampton housing type Townhomes from $385,990; 28-ft. linked singles from $409,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $529,990 contact 905.457.0445 fieldgatehomes.com
W
hen driving along Chinguacousy Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community. It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy. The southwest corner of Queen St. West and Chinguacousy Rd. is the site of the all-new location for this latest release at Valleylands. This new release features new designs in 28-ft. linked singles that range from 1,657 to 1,915 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft. These latest offerings are in addition to the exceptional collection of townhomes and 38-, 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With towns starting from $385,990, linked singles C O N T I N U E D on p a g e 2 6 . . .
45-ft. York, 3,310 sq. ft.
24 New home guide GTA | january 5 - 19, 2013
january 5 - 19, 2013 | New home guide GTA 25
communityfocus |
CONTINUED
from $409,990 and singles starting from $529,990, there’s a home for everyone at Valleylands. One of the finest offerings from Valleyland’s new location is the 45-ft., 3,310-sq.-ft., double-car garage, fourbedroom York Elevation B. The York offers a spectacular front elevation of brick and stone, featuring large windows and a covered porch. Inside the stylish foyer opens on to a large open-concept living and dining room with coffered ceiling. Just down the hall is the stunning gourmet kitchen, complete with breakfast bar, servery, walk-in pantry and sliding patio doors. Adjoining the kitchen is a generously sized family room with gas fireplace. On the opposite side of the family room is a charming library with optional French doors opening to the backyard. The second floor features a master suite complete with a spacious walk-in closet and spa-like ensuite featuring his and hers sinks, oval tub and separate shower. Home purchasers also have the option of including a private master retreat with optional gas fireplace in the master suite, or having the convenience of a den that opens to the main hallway. At the top of the stairs home purchasers will be pleased to find an upstairs laundry room. Bedrooms two and three share access to an ensuite and bedroom four has access to its own private ensuite. Priced from the upper $600’s, this luxurious model is a triumph of elegance and sophistication. For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right 26 New home guide GTA | january 5 - 19, 2013
in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within a short distance. And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze. Well-regarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away. In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away. With more than 50 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floor plan designs. For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com
It’s the feeling Rosehaven designs into some of the most unique and desirable homes in Southern Ontario. Homes that are as unique as you are. So choose Rosehaven and every time you step through the front door you’ll say, I am happy, I am comfortable… I am home!
Chippawa / Niagara - Lyon’s Creek
Brampton - Mount Pleasant
New 35’ bungalow loft towns & 50’ singles from the low $300’s. Lyon’s Creek Blvd. & Sodom Rd. East of the QEW
New 20’ towns plus 25’ attached singles. Detached homes on 30’, 38’, and 41’ lots On Mississauga Rd., North of Bovaird Rd.
Thorold - Gibson Heights
Kleinburg - Platinum Home Collection
Model home inventory release!Towns, semis & attached singles from the $240’s. Plus 45’, 40’ & 36’ lots from $300’s. Richmond St. & Winterberry Blvd., South of Hwy. 58
Homes of Distinction from $1.3M to over $1.8M KleinburgHeritageEstates.com Hwy 27, North of Nashville Rd.
Ancaster - Tiffany Hill
Nobleton - King Country Estates
Luxury stone, stucco & brick detached homes on 45’ lots from the $460’s and 4 models to tour! Garner Rd. E. & Raymond Rd. East of Hwy. 6
Elegantly appointed detached homes on 63’, 56’ & 50’ lots from the $780’s. Hwy 27 & Park Heights Tr., North of King Rd.
For directions, hours, community information, visit:
rosehavenhomes.com • (1-888 / 416) 410-0175 Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg pricing.
27
colouroftheyear
Photo bY Pantone
THIS YEAR, ALL ROADS LEAD TO EMERALD – PANTONE’S COLOUR OF THE YEAR FOR 2013. THIS JEWEL TONE IS SOPHISTICATED AND LUXURIOUS AND IS ALSO THE HUE OF RENEWAL AND PROSPERITY. HERE’S A PANORAMIC VIEW OF THIS YEAR’S “IT” COLOUR, FROM FASHION, BEAUTY AND DÉCOR, YOU WILL SOON REALIZE LIKE DOROTHY, WHEN IT COMES TO EMERALD GREEN – THERE IS NO PLACE LIKE HOME.
emerald city by silvana longo
L’Objet Malachite candle, $183.
Tiffany & Co. Emerald ring with diamond baguettes in platinum
Visit williams-sonoma.com
Photo by Carlton Davis. Visit tiffany.ca
Silk PJ top, $49.
Gucci 60th Anniversary Patent Frame Drivers, $525 Visit holtrenfrew.com
Visit joefresh.com
28 New home guide GTA | january 5 - 19, 2013
Broad stripe, $185 Vermicelli, $255. Both per 11 yard roll.
Marimekko Siirtolapuutarha cushion, $55. Visit eq3.com
Happy Days punch bowl with ladle, $49. Visit eq3.com
Leather gloves with cuff, $59.99. Visit winners.ca
Visit farrow-ball.com
Visit ikea.com/ca
LEENDE carafe, $9.99. Visit ikea.com/ca
Covet Eyeliner, $19. Visit urbandecay.com
Colour Pop coffee pot, $38. Visit anthropologie.com
KOPPAR table lamp, $19.99.
Staub Coq au Vin in emerald, $175.
London sofa, $2,095.
Visit williams-sonoma.com
Visit elte.com
january 5 - 19, 2013 | New home guide GTA 29
taxingissues
Henry Choo Chong, CGA provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5220. Any questions to Taxing Issues should be e-mailed to choochonghcga@yahoo.ca
Capital expenditures & deductible expenses by Henry Choo Chong
Q.
I recently purchased a rental investment property. Fortunately, the home was rented quickly. However, last summer because of several days of heavy rainfall, the roof leaked terribly and our ceilings were partially water damaged. I had to reshingle and replace almost half of the entire roof and repair the ceiling and floors. It also cost me more than $1,200 for a new fridge and stove. I have an individual who prepares my income taxes who has advised me that these are capital items and I could not deduct them for my income taxes. I find that ridiculous to be out of pocket that amount of money and I cannot deduct it. Sam, Toronto
A.
Real estate rental deductions are always contentious, and Canada Revenue Agency frowns on expenditures that should be capitalized as opposed to being expensed immediately. As an accountant who deals with real estate investors on a regular basis, I can tell you your concern is not isolated. The Income Tax Act does provide guidance with regards to capital items and current expenses.
Capital expenditures – Generally, these are expenditures that will provide benefits and a useful life for several years – such as appliances, air conditioners and dishwashers. The Income Tax Act provides for Capital Cost Allowance (CCA) deduction for capital expenditures that can be expended over the useful life of the asset. Deductible Expenses – Generally, these expenditures may be deducted in the year they are incurred. They would include all expenditures directly related to the property such as property taxes, 30 New home guide GTA | january 5 - 19, 2013
insurance, utilities, mortgage interest, advertising cost, legal cost, accounting fees, and repairs and maintenance. It would appear your repairs were performed to maintain the property to its original condition and would therefore be considered a current expense. However, the fridge and stove must be capitalized. Investors should always have a good accountant who deals with real estate investments on a regular basis to ensure the right advice is given.
Q.
I recently started my own small business, which is registered as a non-incorporated business. It earned approximately $34,000, less expenses. Additionally, I am employed full-time, as is my wife. What is my final date and can I choose my own year-end for my company? Yves, Oakville
A.
Congrats on joining the ranks of entrepreneurs. Many individuals talk about starting their own business but are reluctant to do so for various reasons. The primary obstacle is finances, followed by lack of knowledge about where to start. Individuals who are strictly T4d – that is, employed full- or part-time – were to file their year’s personal tax return on or before April 30 of the following year. Selfemployed (including non-incorporated businesses) taxpayers and their spouse had to June 15 to file their tax return for the previous year. However, any income taxes owing would have to be remitted on or before April 30 of the filing year. Therefore, you should have your tax returns prepared before the end of April to avoid any interest penalties.
dreams
Where and families come together in 3 Superb Communities MaRkHaM
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Semis and Detached homes on 30’, 36’ and 40’ lots.
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Semis and Detached homes on 35' and 41' lots.
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Detached homes on 46’, 50’ and 60’ lots. Ravine lots available.
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Cornell Ce ntr
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THORnHill
from
$
525,990
905-472-7667
from
$
486,990
905-201-7700
from
$
1,089,990
905-417-1203
madisonhomes.ca Hours: Mon-Thurs. 1-8pm, Fridays by appointment, Sat., Sun. & Hol. 11am-6pm. *Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.
january 5 - 19, 2013 | New home guide GTA 31
coverstory
Spring Valley Village in Brampton Where nature meets the city
P
icture yourself in the perfect family setting – beautiful, brand new home in a well-established area. A spacious home where you’ll be comfortable, in a close-kit community where you’ll enjoy real peace of mind, surrounded by family, friends and neighbours. Nothing is more important than family – and there are few decisions in life as important as where you and your family should live. At Ballantry Homes, we’ve made this decision that much easier with Spring Valley Village in Brampton – a collection of semidetached and detached homes surrounded by valley lands, parks
32 New home guide GTA | january 5 - 19, 2013
location Brampton housing type Semi-detached and detached homes contact 905.457.3698 | ballantryhomes.com
BALLANTRY HOMES
Spring Valley Village
From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions and schools. Homes range from 1,530-sq.-ft. semis from $373,900, to 2,165-sq.-ft. detached homes from $519,990. Ballantry Homes’ exteriors offer a wonderful first impression. Yet even more impressive are the interiors that await when you step through the front door. From the gracious foyers to the pampering privacy of the bedrooms upstairs, these homes are fashioned to fit your lifestyle, from everyday living to entertaining on special occasions. Elegant living and dining areas, great rooms, gourmet kitchens, luxurious ensuite bathrooms – each room has been thoughtfully considered and beautifully appointed, and all executed with the quality craftsmanship that has become a hallmark of Ballantry Homes. And when it comes to location, location, location, Spring Valley Village has it all, and then some. Brampton today it is a bustling multi-cultural metropolis that boasts all the amenities and attractions residents could ever desire. Here, everything you could ask for is within quick and easy reach. Fine schools, parks and places worship, superb shopping and dining opportunities from an array of merchants and restaurateurs, top-ranked golf courses, theatre, arts and culture, sports and other recreational activities and healthcare facilities. All with close and convenient access to the Brampton GO Station and local public transit, and just minutes away from major thoroughfares including Hwys. 410 and 407. Ballantry has always treated its customers as number one. Having built some of the finest homes and estate communities
in and around the GTA, the company’s reputation for meticulous attention to detail and craftsmanship has earned the trust of thousands of satisfied homeowners. What else would you expect from an award-winning builder like Ballantry Homes, where the goal is to make the new-home buying experience the very best it can be, to not just build homes, but to build dreams? Dreams don’t have to end when you wake up in the morning. The best ones can be made real, if you put your mind to it. At Ballantry Homes, we build dreams. With more than two decades of experience, we’ve designed and constructed thousands of homes, working closely with our family of buyers and our team of forward-thinking architects and interior designers. For more information and to begin the process of owning your dream home today, visit ballantryhomes.com or call 905.457.3698.
january 5 - 19, 2013 | New home guide GTA 33
industryoutlook
Hugh Heron is Principal and Partner in the Heron Group of Companies and President of Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage and Housing Corp., and a Past President of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.
Look at the bottom line BEFORE YOU SIGN ON THE DOTTED LINE! by Hugh Heron New home real estate continually proves to be a
wise long-term investment for both your lifestyle and personal finances. I say it often, and I will continue to stress the fact that a good new home buyer is an educated one – especially when it comes to those finances. When you shop for a new home or condominium, find out as much as you can up front, check out what resources are at your disposal, and be realistic when it comes to deciding what you can afford. Of course, you want a home and mortgage that you can carry comfortably. Location and price are typically the two most important aspects of buying a new home that people consider, and remember to compare apples to apples. The same size home in an established area may sell for more than in an up-and-coming area where you will have to wait for amenities and infrastructure to be completed. And keep in mind that the purchase price is only the beginning. There will be closing costs, and your builder representative should be happy to provide you with the details of those. Once you research these costs, you may find the homes you are looking at are not within your financial reach. The good news is that today’s home designs are so well laid out that even more compact sizes are very livable. Keep an open mind about size and shop for value. The main thing is to join the ranks of homeowners in Canada and start building equity for your future. Once you’re in the market, it’s easier to move up. One of the great benefits for Canadians is the Federal Home Buyers Plan, which allows first-time home buyers to withdraw up to $25,000 from their RRSP for the purpose of buying or building a qualifying home. In addition, many builders have financial programs in place that can help, such as capped mortgage rates. Buying early in the new home marketing process can work in your 34 New home guide GTA | january 5 - 19, 2013
favour, too. When you purchase a new home from plans, you will have to wait to move in for at least months, possibly years. Think of your waiting period as an opportunity to save more money for your purchase and plan for your new digs. If it’s your first home, saving extra funds means a lot. Seasoned home buyers will tell you that the best closing day is one with no surprises. Take your Agreement of Purchase and Sale to a lawyer who knows real estate and make sure you know exactly what costs you are expected to cover and when. Closing costs can range up to 2.5 per cent of your purchase price. Among these charges are the Tarion Warranty Corporation enrolment fee, provincial Land Transfer Tax (plus the Toronto Land Transfer Tax if you buy a home within that city), legal fees (plus G.S.T. on those), out-of-pocket expenses your lawyer may incur on your behalf, and mortgage expenses and adjustments such as realty taxes and utility charges. My advice is to visit Canada Mortgage and Housing Corporation’s website (cmhcschl.gc.ca/en/co/buho/index.cfm) and download the guide called “Homebuying Step by Step.” This publication covers the following topics: Is Homeownership Right for You?; Are You Financially Ready?; Which Home is Right for You?; The Buying Process; and Now that You’re a Homeowner. You’ll also find a glossary of terms and some worksheets for you to use during your search. Buying a new home or condo is most likely the biggest financial investment of your lifetime. Get your finances in order and make the decision wisely.
The Best Value
north of t he
GTA!
PREVIEW OPENING SPECTACULAR DETACHED HOMES IN AN INCREDIBLE CONSERVATION AND RAVINE SETTING
Where else can you get so big a home with two and three car garages for so small a price? At Victoria Highlands, choose from an amazing selection of Bungalows and Two Storey Homes on 33’, 40’, 50’ and 65’ Lots. All set amidst the beautiful countryside of Mount Albert, just 10 minutes from Stouffville… and all priced to sell!
victoriahighlands.com victoria 416-924-0110
Homes from the Mid
400’s
$
700,000
to over $
up to 4,200 sq.ft.
MOUNT ALBERT
Sales Office Hours:
Mon. - Thurs. 1 -8 pm, Fri. by appointment, Weekends and Holidays 11 am - 6 pm
Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept.
35
communityfocus
Construction now underway on DEERHURST GOLF COTTAGES
live right on one of Canada’s finest courses is a dream-come-true,” says Skyline’s CEO, Michael Sneyd. “ConHuntsville struction on their neighbourhood is housing type well underway, and we are happy to be bringing their dream to life.” Golf Cottages and homesites “Skyline is doing amazing work at contact Deerhurst Resort,” says Huntsville 705.789.6424 Mayor Claude Doughty. “These Golf owndeerhurst.com Cottages and homesites offer a unique residential opportunity that adds to the year-round appeal of these incredt Skyline International Devel- ible surroundings.” opment’s fabulous Deerhurst With more than 50 per cent sold Resort, a groundbreaking mile- in this limited release of just 39 homestone has occurred, with construction sites and Golf Cottages, response has on Deerhurst Golf Cottages now been phenomenal to this exclusive underway. The official ceremony that collection of whole-ownership resimarked this important step was a dences situated on the gorgeous Hightime of excitement for everyone in- lands Golf Course. Purchasers apvolved, especially the owners of the preciate the opportunity to revel in cottages being built. Crews have been year-round vacation-style living, with preparing several of the homesites for a world of entertainment and recreconstruction, and the roads in the ation at their doorstep. For prices community are being paved. It’s “all beginning from only $179,900, you systems go,” and everyone involved can own a Golf Cottage homesite, or is thrilled. from just $399,900, you can own an “For golf-lovers, the opportunity to elegant cottage. location
A
36 New home guide GTA | january 5 - 19, 2013
“Buyers love the fact that they have the option of placing their home into a professionally managed rental program for all or part of the year,” Sneyd adds. “In addition to having access to Deerhurst’s Concierge services, owners can recoup some of their costs through this no-muss, no-fuss program.” Only 18 homesites and cottages remain in this superb community, as well as a spectacular model cottage to tour. Appointed by the Design Agency, the model showcases the casual elegance of these inviting residences. From its wide-plank engineered hardwood flooring to its contemporary/ traditional style mix, the model offers hints of The Hamptons. To help purchasers personalize their surroundings, Skyline enlisted the Design Agency to create furniture package options. Plus, each Golf Cottage will feature an exterior gas line and barbecue; nine-ft. main-floor ceiling heights and much higher in the Great Rooms (as per plan); quality kitchen appliances; imported ceramics; smooth ceilings in the kitchen, laundry
SKYLINE INTERNATIONAL DEVELOPMENT
Deerhurst Golf Cottages
and bathrooms; oak handrails and spindles; and a direct-vent natural gas fireplace. The cottages also offer beautiful views of the Highlands Golf Course, one of the two courses at Deerhurst Resort. Golf Cottage owners can walk or take the shuttlebus to the lake and a wealth of amazing resort amenities. Golf Cottage purchasers receive a free golf cart, a 40-per-cent discount at Deerhurst Resort from the time of purchase until closing, plus a membership buy-in in the SkyLife Club. Valued at $25,000, this membership offers unprecedented access to the amenities at Skyline’s northern and urban properties. Photo: Nicola Betts
Skyline Destination Communities recently broke ground on construction of Deerhurst Golf Cottages, an exclusive collection of whole-ownership residences on the gorgeous Highlands Golf Course at Deerhurst Resort. RIGHT TO LEFT
Huntsville Councillor Fran Coleman, Huntsville Mayor Claude Doughty, Skyline International Development’s CEO Michael Sneyd, Skyline’s Vice-President Operations Dan Piggott, Skyline’s Vice-President Sales and Marketing John Giffen, and Infinity Fine Homes President Paul Barber.
Choose from six beautiful detached freehold Golf Cottages with two-, three-, four- and five-bedroom layouts. Gorgeous exteriors feature Muskoka-style architectural highlights such as large porches and accent windows. For more information, visit owndeerhurst.com or call 705.789.6424. january 5 - 19, 2013 | New home guide GTA 37
hotdates
jan. 5 - 6
Canada's Bridal Show Metro Toronto Convention Centre
Jan. 5 to 19 Calendar of events beginning from Jan. 5 to 19, 2013
Soon-to-be-weds and their supporters flock to Canada’s largest bridal trade show, spanning 18,000 sq. ft. and featuring more than 350 exhibitors. Rows of booths offer info on wedding venues, photography, event planning, gowns and tuxes, invitations, DJ and limo services, florists and more, as well as promotions for honeymoons and destination weddings. canadasbridalshow.com
Total Wedding Show
international Centre
The Total Wedding Show features more than 100 exhibitors who are experts in the bridal industry, the latest in bridal gowns, catering, photography, flowers and more. The fashion show features the latest in trends for gowns, tuxedos, hair, make-up and accessories. Shop at over 350 retailers for everything from fitness to invitations, and check out one of the biggest gown sales, there are also tons of prizes to be won, including a diamond ring. totalweddingshow.com
jan. 5 - 13
Canada's Top Ten Films of 2012 tiff bell lightbox
The films are chosen by a panel of filmmakers, programmers and critics from across Canada. The chosen films will screen at the Lightbox with panel discussions, plus introductions and Q&A sessions with filmmakers. Actress and director Sarah Polley will be featured in a Mavericks Q&A to discuss her career, including her film Stories We Tell. tiff.net/topten
38 New home guide GTA | january 5 - 19, 2013
jan. 18 - 20
jan. 19 - 20
Maple Leaf Monster Jam Tour rogers centre
The Maple Leaf Monster Jam Tour comes to Rogers Centre for two shows, starring 12-ft., 10,000-pound monster trucks that race and smash through a custom-designed track full of obstacles. Designed for the whole family, this show tours throughout Canada and the United States, even hitting Europe and Mexico. monsterjamcanada.ca
January 5 - 19, 2013
Showcasing new homes in the GTA’s east region
IN THIS SECTION
>> Maps and listings for new-home communities in the east region >> Builder news and the latest in new homes in the east region
32 Sideline
32 Sideline
Altona Rd
Rosebank Rd
Altona Rd Church St S
Squires Beach Rd
Brock Rd
Sandy Beach
Appleview Rd
Spruce Hill
Montgomery F
eD
Lak
tD
Wentworth St
Gibb St
King St W Bond St W
Adelaide Ave
60
29
46
40
34
King S
tE
Adelaide Ave
10
31
Wentworth St
Bloor St.
Olive Ave
Ritson Rd S tS eS co Sim
Stevenson Rd
Phillip Murr
Bloor St Park Rd S
57 n 65
Finley Ave
ou
Harwood Ave
Westney Rd S
Garden St Blair St
em
Fairport Rd
401
Kendalwood R
Whites Rd
Granite Court
Dr Notion Rd
47
52 91 14
17 Rossland Rd
3
26
Beatrice St
18
22
Conlin Rd
68
Harmony Rd S
ug
Dixie Rd
wS
Ro
Liverpool Rd
42 11
49
Cochrane St
46 Rd
Bayly St E
56
Manning Rd
Dryden Bv
Park Rd S
on
45
Dundas St E
38 1
50
Taunton Rd W
Centre St.
gst Kin
Brock Rd R aks rO o j Ma Valley Farm
401
55 44 48 401
Kingston Rd
7
8 36
55
67
21
15
devie
15
Whites Rd
30
5
Townline Rd
Sheppard Ave
Brock Rd
Riverside Bv
50
Church St N McQuay
Glenanna Rd
16 Sideline Rossland Rd
16
Garden St
Magill 92Dr
54
23
33
City of Oshawa
Mary St N
Stroud's
Paddock Rd Ravenscroft
28
Lakeridge Rd
58
Greenwood Rd
43
Audley Rd
To wn of Ajax
66
Country Lane
Taunton Rd W
Anderson St
Highview Rd
Westney Rd N
41
Salem Rd Brock St N
Delaney Dr
Salem Rd
24
Audley Rd
Garrard Rd
Gran
K
North Rd Baldwin St S
4
Garrard Rd
Rossland Rd
4 Sideline R
Taunton Rd E
Thornton Rd
Central Park
J
North Rd
13 37
35
Conlin Rd
To wn of W hitb y
Rossland/Winchester R
53
14
8 Concession
13
Church St E
Stevenson Rd
51
24 Sideline Coronation R
tN
I
20 Sideline
Thickson Rd
eS
Finch Ave
Brock Rd co
3 Concession
16 Sideline Sim
H
16 Sideline Brock Rd Cen tral St
90
12 Sideline
4 Concession
6 Sideline
Ritson Rd N
4 Concession
4 Sideline Halls Rd N
Fifth Conces
68
12
Wilson Rd N
G
30 Sideline
Village of Bro oklin
Brawley Rd
11
Baldwin St N
5 Concession
10
Myrtle Rd W
9
Country Lane
Columbus Rd
Lake Ridge R
6 Concession
8
Cochrane
7
7
Ashburn Rd
7
7 Concession
8 Concession
9 Concession
6
Cedarbrook T
City of Pickering
5
Duffs Rd
Whitevale Rd
4
12
F
28 Sideline
7 Conncession
3 Garrard Rd
E
9 Concession
2
Stevenson Rd
D
1
Pickering, Ajax, Whitby, Oshawa
4 Sideline R
C
B
A
east region:
Harmony Rd N
Grandeview S
ly
Townline Rd.
Bay
40 Grandeview S
Wilson Rd S
Thornton Rd
Hopkins St Blair St
Henry St
Brock St S
Gordon St
Ajax-Whitby
Shoal Point Rd
Pickering Beach Rd
riv ew a
Liverpool Rd
17
18
19
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
16
Stonecrest
greatgulf.com
58 Mattamy Homes
Seaton
mattamyhomes.com
66 Monarch Corporation 1
•
from $305,000
45 15F
•
from $225,000
BC 5I
Tran Quility
monarchgroup.net •
from $520,000
IBC 7G
Beaverhall Homes
Parkside Walk
905-430-1227
•
from $285,000 11H
4
Menkes
Somerset
905-428-0500
•
from $470,000 7G
5
Monarch Corporation
Lexington County
416-495--3542
•
from $490,000
11 Conservatory Group
Carruther’s Creek Village
905-426-8081
•
•
from $247,000 7J
13 Liza Communities
Folkstone
1-877-365-9555
•
•
from $335,000 10G
21 Great Gulf Homes
Grandview Oshawa
1-888-579-7235
•
from $287,000 14F
24 Tribute Communities
Imagination
905-683-1228
•
from $286,000 8G
25 Melody Homes
Brooklin Winchester
1-888-679-5744
•
from $260,000 11E
31 Preston Homes
Prestonvale Heights
905-432-2800
•
•
from $350,000 15J
33 Tribute Communities
The Neighbourhoods of Windfields Farm 905-436-7444
•
from $356,000 13F
34 Tribute Communities
The Neighbourhoods of Park Ridge 905-723-2344
•
from $333,000 15G
35 Tribute Communities
The Village of Brooklin West
905-655-9979
•
from $380,000 11E
35 Tribute Communities
The Village of Brooklin Townhomes 905-655-9979
•
from $340,000 11E
36 Liza Communities
Heritage Village
1-888-655-6188
•
•
from $325,000 11G
45 Sundial Homes Limited
Mulberry Meadows
905-427-8255
•
from $190,000 6J
49 Senator Homes
Harbourside
905-430-5957
•
• •
from $270,000 9J
54 Baycliffe Homes
The Gates of Whitby
905-668-9828
•
•
from $250,000 9G
55 Jeffery Homes
Kedron Park Ravines
905-433-2173
from $580,000 14G
56 Delpark Homes
The Woods of Nichol Trail
905-665-9555
•
•
from $426,000 11I
57 Geranium Homes
The Courts of South Rouge
geraniumhomes.com •
from $700,000 2K
60 greycrest homes
the fields of conlin
905-725-4539
•
from $310,000 15G
65 Brookfield Homes
Rosebank By The Lake
PickeringRosebank.ca •
from $550,000 2K
67 Midhaven Homes
Breeze
1-877-773-6888
•
•
from $257,000 15F
68 Storybook Homes
Brookstone Estates
905-438-9516
•
from $1050,000 11B
90 LeBovic Homes
Old Taunton in Pickering
905-428-3434
•
91 Sundance Homes
The towns of nichol green phase 1
sundancehomes.ca •
3
•
Page No.
8I
• • 5H from $260,000 11J
Pickering, Ajax, Whitby, Oshawa
Great Gulf Homes
Price Range
east region:
Site
M Fi a nd p er
Builder
D
Tel
et a Se ch m ed To i w Co nho nd m o e
# Si te
41
19
ach
Re
Parkhill Rd.
7B
7
28
115
28
7
t.
24 16
rS
te Wa
28
Peterborough
9 31 38 Lansdowne Ave.
7A
7
35
2
7
134
Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
7 y4 30 Hw 10 Goodwood Rd
Mill St
4
Durham 23
St
7
Bloor St.
2
Rd
33 Oke
6
Angelina St North 34
Major St.
Lorne St.
Harmony Rd
Hw Mya2rsh
20
32
401 14
Bloor St.
LAKE
ONTARIO
.
St. Ridout W al to
n
St .
To Belleville Jocalyn St
401
Lake Ontario
Po rt Hope
Rd.
t. H wy 2
gS
Kin
Concession St
Baseline Rd. E
37
Concession Rd 3
13
Bowmanville/ Newcastle
21
12
Hwy
39
8
401
14
16
7
7 12 7A
Lake Scugog
18
Dr
18
ill Mc G
17
Lake Scugog
15
LAKE ON TA
Port Hope
1
MacDonald Cartier Freeway
106
RIO
35
29
5
115
19
Cobourg
Hwy 2
Hwy 401
Reg. Rd. 74
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
17
To Toronto
Hwy
Nash Rd
y2
St. Hw
Baseline Rd. W
26
King
48
45
11
Mearns
10
.
36
Hwy
Nash Rd
9
Lindsay St. North
Lindsay
8
Courtice
King St.
Po rt Per ry
Hwy #7
Kent St
Colborne St
35
7
Rd
K
J
I
H
G
F
E
D
Quaker Village Dr
Uxbridge
Centre
Rd.
ng
mo
Che Monaghan Rd.
C
Brock Rd To
15
Brock St
St
to
ro n
Reg Rd 8
Elgin Park
Durham Reg
Main St
B
Hwy 134
Liberty St. N Liberty St. S
6
West Townline Rd. N.
5
le Rd
4
Varcoe Rd Darlington Blvd
n io Un
3
.
St. Joseph's Rd onva
Waverly Rd
Lambs Rd Hains St
2
t.
1
Hwy 28
Av e Trulls Rd
Regional Rd 57
A
Reg. Rd 34 Courtice Rd
McLaughlin Rd ille Rd Janetv
Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry
Reg. Rd. 18
east region:
y2
Prest
to
Hancock Rd
Mill St.
oS tari
Hwy #12 (From Whitby)
ron To
On
Simcoe St. (From Oshawa)
w
y. 4 H
42 Hw
5
Page No.
1
Mason Homes
Port Hope Golf & Country Club
905--885-6565
•
from $210,000 12K
2
Parkview Homes
Woodland Acres
705-748--2828
•
from $220,000 3G
5
Mason Homes
Cobourg
905-885-6565
• •
from $200,000 19I
6
Mason Homes
Cloverlea Lindsay
705-324-1653
•
• •
from $200,000 7a
8
Kaitlin Group Ltd.
Port of Newcastle
1-800-305-6849
•
8
Kylemore Communities
Port of Newcastle
905-987-5146
•
from $351,000 14E
8
Storybook Homes
Bond Head Estates
905-438-9516
•
from $850,000 14E
9
Parkview Homes
Harmony
705-748-4663
9
Parkview Homes
Lyon’s Gate II
705-748-4663
•
from $303,000
2I
9
Parkview Homes
Mapleridge Townhomes
705-741-1004
•
from $228,000
2I
9
Parkview Homes
Timberwoods
705-748-4665
•
from $228,000
2I
9
Parkview Homes
Valleymore
705-748-4663
•
from $199,000
2I
10 Deer Park
Deer Park Estates
416-223-3777
•
from $600,000 2e
14 Rice Developments
Willmot Creek On The Lake
905-697-5806
•
from $225,000 11D
16 Parkview Homes
Foxmeadow Estates
705-748-2828
•
from $208,000 3H
18 B.G. Schickedanz
Lake Scugog Meadows
1-877-878-9899
•
from $298,000 17B
20 Geranium Homes
Verandas
905-885-0555
•
from $255,000 10I
24 Parkview Homes
Thompson Bay Estates
705-748-2828
•
from $217,000 3H
26 Kaitlin Group Ltd.
Aspen Heights
905-697-0513
• from $165,000 10C
26 Kaitlin Group Ltd.
Condominiums at Clarington Centre 905-697-4513
• from $210,000 10c
26 Kaitlin Group Ltd.
Country Classics
28 B.G. Schickedanz
Chateau Villas at Baxter Creek Estates 905-695-1953
1-866-514-3573
•
• • from $260,000 14E
• from $150,000
2I
•
from $300,000 10c
•
from $185,000 3K
29 VANDYK group of companies West Park Village in Cobourg
905-373-4149
•
from $214,000 18J
30 Empire Communities
Estates of Wyndance
905-649-8197
•
from $900,000 3e
31 Parkview Homes
The Meadows
705-741-1004
34 Carrington Homes
Woodlands of Upper Courtice
905-434-7797
•
from $260,000
35 Mason Homes
Avonlea
1-866-443-7900
•
from $190,000 3H
36 Senator Homes
Courtice Village
905-723-5989
•
•
from $239,000 7K
38 Melody Homes
Fairview Heights
1-800-932-5332
•
•
from $172,000
39 H&R Developments
Gracefields
hr-newhomes.com •
from $285,000 14B
39 Thornridge Homes
Gracefields
thornridgehomes.com •
from $285,000 14B
45 Highcastle Homes
Northglen
northglen.ca
•
45 Delpark Homes
Northglen
905-419-7222
•
45 Esquire Homes
Northglen
48 Brookfield Homes
• • from $288,000
3I 9I
2I
•
from $221,000 11B
• •
from $221,000 11B
northglen.ca
from $219,000 11B
BrookHill
Brook-Hill.ca
•
• •
from $200,000 10B
48 Jeffery Homes
BrookHill
905-697-0765
•
• •
from $200,000 10B
92 Glen Rouge Homes
The Cornerstone
905-239-9777
•
from $588,000
6I
Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry
Price Range
east region:
Tel.
Fi M ap nd er
Builder Site
De ta Se ch m ed To i w n Co hom nd e o
# Si te
43
quicktips
Resolve to get
organized in 2013 After the big glittery ball has dropped and
resolutions are made, the difficult part begins. To achieve success, observers suggest we break down our resolutions into smaller, more feasible goals. Think short-term. For example, it is well-known that every year, one of the most popular resolutions is to become more organized. This can sometimes feel overwhelming, so here are some simple solutions from The Home Depot Canada to clear and conquer the clutter in your home: Organize your front foyer
This space sets the tone for first impressions. Think about stashing useful items such as gloves, hats, scarves and pet supplies in decorative fabric bins. These are easy to label, and make it easy to find items with just a glance. If you do not have a closet in your entry way, invest in a simple shelved console table where you can store your organized items for easy access. A multi-purpose shelf with mounted hooks for sweaters, jackets and coats is essential to keeping your no closet foyer pristine. De-clutter your kitchen pantry
A functional pantry is the key to a functional kitchen. Creating a working pantry can be a big challenge depending on your cooking routine and habits. Take measurements of your space and purchase wire baskets or locking plastic containers to categorize your various ingredients according to your needs. Hang bins inside of the pantry door for popular foods. Not only will this be a time saver, but will also optimize your pantry space. Conquer your bedroom closet
When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than one-third of your total household income 44 New home guide GTA | january 5 - 19, 2013
Bedroom closets often fall victim to being a dumping ground for items without a ‘home’. As you de-clutter, sort items into the following categories: keep, donate, recycle and trash. For the items you do keep, the closet configurator is not only a simple solution, but also an affordable one. With so many options available for a variety of sized spaces, adjustable shelving systems will accommodate your changing needs. By following these simple suggestions you will not only have the tools for organizational success but also be able to check off that New Year’s resolution without the guilt of past years. More tips on home organization are available online at homedepot.ca or at a store in your neighbourhood. NC
YOU CAN AFFORD F
UALITY
I OSHAWA LAST
ANCE
CHASE
STONECREST OMES
FROM $304,990
1475 - 1985 SQ. FT.
VISIT
SENTAT
TRE
Located at 1359 Clearbrook Drive, just north of Taunton Road, and west of Harmony Road. 1.888.579.7235 • Sat & Sun 11am - 6pm • Mon - Thurs 1 -8pm • Closed Fri • Model homes close 30 minutes prior to sales centre. GREATGULF.COM
*Linked below grade. Prices and specifications subject to change without notice. E.& O.E. illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.
january 5 - 19, 2013 | New home guide GTA 45
smartshopper
Smart shopper Exclusive discounts and deals for our readers
01
A special place Move over dark espresso finishes – light coloured, worn finishes are the trend for 2013. This French-style bergere chair with linen fabric and brass nailhead trim will update your room and can be used in both a traditional and more modern setting. The decorators at A Special Place will help you incorporate this fashionable look into your dÊcor. Regular price, $799, on sale for only $639 until Jan. 31. 1280 castlefield ave., toronto | 416.481.2077 1755 pickering pkwy., #18, pickering | 905.428.6317 visit aspecialplace.ca for a location near you
02
Arrow furniture Looking to update your dining room this year? This fantastic modern dining room features a white lacquer cross base design, a glass top and chrome leatherette chairs. On sale for $799 until Jan. 26. Also available in black. visit arrowfurniture.com for a location near you
03
Audio One The Bowers & Wilkins A7 is the ultimate wireless music system. Its generous dimensions provide room for a sixinch dedicated bass driver allowing it to deliver full and controlled bass even in large living rooms, $799. Be sure to drop in over the holidays for some great audio deals. 3200 Steeles Ave. W., Concord Visit audio-one.ca
46
04
Green Furniture Contemporary clean lines define this audio video stand from Green Furniture. Finished in a beautiful dark brown stain, it holds up to a 60-in. TV. To Jan. 26, take advantage of the amazing price of $399. 71-in. L by 16-in. W by 18-in. H. 1248 DUNDAS ST. EAST, UNIT 6, MISSISSAUGA | 905.232.8520 Visit green-furniture.ca
06
X-Tile Canada
05
Alta moda Light up your world with the Arc Floor Lamp from Alta Moda Furniture. This stunning design has a brushed chrome finish with marble base and a convenient adjustable head. Yours for only $295 until Jan. 20. Regular price is $595. 680 rivermede rd., concord | 416.636.5495 visit altamodafurniture.COM
Changing up your floors is a breeze with X-Tile’s Easy, Habitat, Serena and Touch series that now come in 17 beautiful colours. This contemporary and versatile look will give the impression you spent a lot more than you did on your flooring. At $1.99 a sq. ft., this is X-Tiles’ best deal to date! Valid to Jan. 26. 78 Signet Dr., Unit 6, toronto | 416.749.7111 or 563 Queensway E., Mississauga | 905.949.8453 Visit x-tile.net for Showroom Hours
january 5 - 19, 2013 | New home guide GTA 47
»» now available! Get your FREE copy of the 2013 Model home Calendar
2013
AR MODEL HOME CALEND
utiful new homes of the GTA’s most bea An exclusive collection
01-NHGTA Cover 2013-FIN.indd 1
Get your copy now!
11/19/12 2:50:47 PM
2013
MODEL SUITE CALENDAR
An exclusive collection of the GTA’s most beautiful new condos
model h ome
2013
calendar
An exclus ive collec Ontario’s most bea tion of Sou utiful new thw homes and estern condos
01-CGGTA Cover 2013-FIN.indd 1
Also available for NEW condo guide and New Home AND CONDO GUIDE SWO Antoinette.Jackson@wall2wallmedia.com
11/19/12 2:52:13 PM
01-NHSWO
Cover 2013.in
dd 1
11/19/12
2:20:23 PM
January 5 - 19, 2013
Showcasing new homes in the GTA’s central and north regions
IN THIS SECTION
>> Maps and listings for new-home communities in the central and north region >> Builder news and the latest in new homes in the central and north region
Ki
e Av
n sto ng
lva Sy
s ng Ki e v nA
to
n
RD
17
78
32
Sheppard Ave E
2A
401 53 26
58
t Rd
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
90
n Dr orto
RD
Brim
Galloway Rd
K
Ossington Ave. Dovercourt Rd.
DVP
Main St
Gerard St
18
41
in
Manse Rd
J
rlet
8
50
23
83
42
St Clair Ave E
25
ev
18
Passmore Ave
17
Centennial
Lakeshore Blvd W
Christie St.
Horner Ave
Spadina
Dundas St. W.
Bathurst St. Bay St. University Ave.
Queen St. W. 58 King St. W. 49 Front St.
Logan Ave.
Danforth Ave.
Cosburn Ave
55
cL
M
16
East Ave
I
Keele St.
QEW 4
57
Yonge St
86
Evans Ave
28
Yonge St.
12
Don Valley Pkwy
QEW
Jane St
27
Avenue Rd Bloor St.
Laird Dr
Queensway
Dupont St.
O'Connor Dr.
43
Woodbine Ave
H
Dufferin St
Davenport Rd.
Rd
Pharmacy Rd Victoria Park
20
Sca
an
Warden Ave
Dundas St W
Allen Expressway
gh
Birchmount Rd Eglinton Ave E
Lawrence Ave E
88
15
Sheppard Ave E Milner Ave
Progress Ave
McCowan Rd
St Clair Ave.
Dufferin St
Va u
Ave E
401
Brimley Rd
80 Rogers Rd
Leslie St Eglinton
38
Ellesmere Rd
Huntingwood Dr
Finch Ave E
5
14
Bellamy Rd
Bloor St W
ay
w
ng s
Bathurst St
Eglinton Ave W
11
13 Steeles Ave.
McNicoll Ave
12
Markham Rd
Rathburn Rd
Ki
Caledonia Rd
Briar Hill Ave
Rd
Rd
y
11
y Pkwy
Eglinton Ave W
d kR
ew e
Keele St
to n
ee
427
Kipling Ave
Cr
Th e
B
k lac
Tre th
Ave Lawrence Ave E
York Mills
401
Sheppard Ave E
10
Don Valle
W es
54
1
40
9
Scarborough Golf Rd
G
Martin Grove Rd
Kennedy Rd
Westway
33
87
Finch Ave W
Drewry Rd
Pleasant Ave
8
Orton Park Rd
F
Islington Ave
Dixon Rd
pressway
401
89
Allen Ex
24
Jane St
Wilson Ave
39
7
Bayview
31
400
21
6
Mills
401
Weston Rd
34
5
Don
409
Bv
Signet Dr
27
ale
xd
6
4
Midland Ave
E
Humberline Dr
Re
Rd
3
Dufferin St
Finch Ave W
ion
Alb
2
McCowan Rd
D
1
Toronto, Etobicoke, York, North York, East York, Scarborough
Alness St
C
B
A
central region:
Tapscott Rd
7
Morningside Ave
42
Neilson Rd Morrish Rd
Rd
Sewells Rd Conlins Rd
h
Reesor Rd
rt
Beare Rd
fo
Meadowvale Rd
Da n
50 Port Union Rd
Coxwell Ave
Pape Ave.
Parliament St Sherbourne St Jarvis St.
Dufferin St
Lansdowne Rd.
Roncesvalles Ave.
Park Lawn
Royal York Rd
Renforth Dr
19
Price Range
Page No.
70
Mattamy Homes
Cornell
mattamyhomes.com •
•
from $393,000
BC 7G
88
Monarch Corporation
Birkdale
monarchgroup.net
•
from $420,000
IBC 13D
3
Camrost Felcorp
iLoft at Mystic Pointe
416-251-8888
6
Oz Properties
Garden Towns
416-898-5100
•
3B
11
Tribute Communities
Canterbury
647-352-2130
•
from $700,000
9E
12
Pemberton Group
The Uptown Residences
416-987-3500
• from $400,000
9G
18
Regal Crest Homes
Centennial Gardens
416-686-0556
• • from $323,000
13G
20
Beaverbrook Homes
Evolution
416-747-9691
3H
21
Conservatory Group
Oakdale Village
416-243-0511
•
•
from $323,000
5C
23
Conservatory Group
Upper Beach
416-698-7796
•
• •
from $400,000
12H
24
Forest Green Homes
Lexington On The Green
416-235-0220
•
from $208,000
4D
26
Conservatory Group
Port Union
416-287-3128
•
•
from $520,000
18E
27
Cresford Development Corp.
Windermere by the Lake
416-977-5300
• • from $200,000
5H
28
Pemberton Group
Park Lake Residences
416-769-4343
• from $180,000
5H
34
H&R Developments
Westown
hr-newhomes.com
• from $190,000
5C
39
Beaverbrook Homes
Yorktowns
647-259-0733
•
from $460,000
5C
41
Monarch Corporation
Evergreen
416-495-3526
•
from $395,000
14F
42
Stafford Homes
The Bell Estate
416-693-6800
•
from $335,000
12G
42
Brookfield Homes
The Bell Estate
416-693-6800
•
from $335,000
12G
43
Aspen Ridge Homes
Scenic On Eglinton
416-805-1781
•
•
from $190,000
10F
49
Tribute Communities
RCMI
416-363-4800
50
Fieldgate Homes
Corktown Mews
corktownmews.ca
•
54
Tribute Communities
1717 Avenue Road
416-430-1717
55
Stafford Homes
Keystone Mews
416-757-6684
• •
from $475,000
11F
75
H&R Developments
Berczy Square
hr-newhomes.com •
77
Aspen Ridge Homes
Seventy Seven Charles
416-203-7034
• • from $2100,000
9H
78
Your Home Developments
Nature’s Path
647-340-6972
•
from $280,000
17E
80
Brandy Lane Homes
Village Mews
416-651-6555
•
from $470,000
6F
83
Arista Homes
Lilly Factory Towns
416-792-4872
• •
from $395,000
12G
86
Menkes
Humber Mews
416-642-8955
•
3I
86
Menkes
Dwell city town
416-642-8955
•
3I
87
Menkes
Bloom Park Towns
416-730-1600
•
from $300,000
8B
89
Decade Homes
Yorkdale Village
416-638-5656
•
from $320,000
6D
90
Sundance Homes
Braeburn Lane
sundancehomes.ca •
from $430,000
15D
• from $273,000
• from $270,000
• from $550,000
•
4H
8I
9H 8C
5I
Toronto, Etobicoke, York, North York, East York, Scarborough
Tel
central region:
Site
Fi M ap nd er
Builder
De ta Se ch m ed To i w n Co hom nd e o
# Si te
51
Steeles Ave W
Kipling Av
K
ence
J
7
Clar St
42
Isl on 48
t ing
I
Huntington
Langstaff Rd
46
2
21
6
40
18
Major Mackenzie
Cr
H
Teston Rd
24
400
11
39
8
27
Weston Rd
G
7
King-Vaughan Rd
6
400
9 King Rd
10
Rutherford Rd
26
Maple
7
52
51
49
25
3
5
20
10
22
Centre St
15
19
14
Clark Ave W
35
Thornhill
34
38
14
8
4
40
47
12 43
33 28
13
41
7
23 16
31 44 7
45
53
12
Langstaff Rd
32
37
11
Dufferin St
F
Kirby Rd
5
Pine Valley
City of Vaughan
1
4
Jane St
E
3
Nashville Rd
2
Keele St
D
1
Cold Creek
C
B
A
central region: Vaughan, Maple, Woodbridge, Thornhill
Hwy. 27
52
Bathurst St
e Av
e
Rd
50
12 Line R
d
16
17
18
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
15
19
Tel
Price Range
Page No.
1
Aspen Ridge Homes
Kleinburg Hills
647-921-0381
•
from $800,000
1 4F
24
Fieldgate Homes
Vaughan Valley Estates
905-303-4728
•
from $830,000
Insert 9F
44
Madison Homes
thornhill
905-417-1203
•
from $1090,000
31 14g
51
Aspen Ridge Homes
King Oaks
905-539-0181
•
from $1100,000
1 12A
1
Country Wide Homes
Kleinburg Hills
KleinburgHills.com •
from $750,000
4F
11
Summit View Homes
The Summit of Valleybrooke
905-417-7980
•
•
from $300,000
8E
24
Arista Homes
Vaughan Valley Estates
905-303-1929
•
from $770,000
9F
35
Hallstone Homes
Clairtrell Mews
905-886-5757
•
from $670,000
15K
37
Flato Developments Inc.
Montebello
905-731-2000
•
from $390,000
11D
38
Liberty Development
Centre Park Townes
905-731-8302
from $399,000
13I
39
Tiffany Park Homes
Valleybrook Estates
905-303-1620
from $320,000
8e
42
Dunpar Homes
Riverside Village
416-253-5888
•
from $519,000
43
Primont Homes
Rothbury Ravine Estates
905-305-8871
•
from $675,000
13f
44
Forest Hill Homes
Thornhill Ravines
madisonhomes.ca •
from $690,000
14g
45
ELM Developments
Baker’s Lane
905-771-8880
• •
from $480,000
13H
46
Country Wide Homes
The Point at Woodbridge
905-907-1500
•
8E
47
Country Wide Homes
Upper Thornhill Estates
905-907-1500
•
from $900,000
14E
48
Beaverhall Homes
Regency Estates
905-265-2634
•
from $1250,000
6H
48
Graywood Developments Ltd Regency Estates
905-265-2634
•
from $1250,000
6H
51
Great Gulf Homes
King Oaks
greatgulfhomes.com •
from $1100,000
12A
52
Zancor Homes
Royal Collection
905-833-0883
•
•
from $550,000
12A
53
Treasure Hill Homes
Thornhill Woods
treasurehill.com •
from $880,000
13g
5I
central region: Vaughan, Maple, Woodbridge, Thornhill
Site
M Fi ap nd er
Builder
De ta Se che m d To i w n Co hom nd e o
# Si te
53
1
2
3
4
5
6
7
8
6
G
404
4 17 22 Rd King 24
F
20 3
9
oad
ider
S rson Jeffe
15 16 14
H
19th
d
1
Gam
22
13 23
St
St
St
11
nzie
ath
Str
acKe
rM Majo
ea
N
e Av 404
Dr
st St
P
25 2
Q R
. Ave
am Denh
O
16th
rn
dW
ick R
dr Wel Bathur
central region: Richmond Hill
7
r
ent
Mill
54
Neal D
St
26
Reg
d
ills R
nM Elgi
8 19 18
K
404
Leslie
d Yorklan
21
J
M
Ave.
ble R
I
L
12
St Yonge
E
5
27
11
t
D
m
Bloo
road
Side
Ave
C
on ingt
Bayview
B
10
Leslie S
A
9
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
Price Range
Page No.
4
Aspen Ridge Homes
Kettle Lakes Club
289-231-2849
•
from $550,000
IFC 6D
6
Fieldgate Homes
The Humberlands
905-773-7738
•
from $612,000
Insert 2C
27 Acorn Homes
Oak Knoll
acornhomes.ca
•
2
The Royal at Bayview Glen
905-709-5700
• from $190,000
14 Arista Homes
Jefferson Forest
•
•
from $650,000
4H
15 Madison Homes
Jefferson Forest
905-770-8661
•
•
from $500,000
4G
15 Forest Hill Homes
Jefferson Forest
iloveforest.ca
•
•
from $790,000
4G
16 Fieldgate Homes
Jefferson Forest
905-884-8017
•
•
from $600,000
4H
17 Heathwood Homes
The Reserve at the Woodlands
416-637-3520
•
•
from $748,000
2D
18 Heathwood Homes
Silverwood Lane
heathwoodrichmondhill.com •
•
4K
19 Heathwood Homes
Forestbrook
heathwoodrichmondhill.com •
from $583,000
4K
20 North Star Homes
King’s Crossing
416-291-9666
•
from $440,000
2E
22 Yorkwood Homes
Hillside Manors
905-770-4662
•
from $480,000
25 Treasure Hill Homes
Urbantowns on Bayview
treasurehill.com
•
7Q
26 Arten Development Group
The Manors of Roseview Grand
roseviewgrand.com
• •
from $650,000
Pemberton Group
67 4C
6Q
5I
4L
Richmond Hill
Tel
central region:
Site
Fi M ap nd er
Builder
De ta Se che m d To i w n Co ho n d me o
# Si te IFC-Inside front cover
55
les A
e Ave
Hend
Thornhill ve E
grove
Stee
in Woodb
56
Alder
K
John St
62
45
Dr
d eroa
66
l d yT eroa err erb n Sid d l E ngto i m Bloo 63
St
404
8 Hwy. 4
St
nald
Denison
McDo
ve 14 A
Van
d St Sid dorf
Edwar
59
11 Con
26
Hwy 7
w Ave.
Hwy 7
75
Dr lock 61 Bul y7 Hw
23
Bayvie
J
Ave
24
E
Town of Aurora
t
404
dy Rd
64
28
404
n St 21 ngto 22 Welli
9
.
e Rd
's Sid
hn St Jo
47
47 13
64
Gor
t
S ham
St
404
14
Leslie S
I
Kenne
ve 16 A n Rd r a C lto
n Rd
18
hts
Heig
Dr
54
D
r
D avis
Elgin
13
le ffvil Stou
Rd
r Side
oad
17 20
Milla
34
19
85
rd St
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
ve 19 A
ider da S
3
Rd ton ming Bloo
oa d
18
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
404
oad
es Beth
r Side
hn's St Jo
17
n Rd Vivia
Rd lbert 54 Mt A
16
orf d Van
a Rd or Aur
of Town chhur c e it Wh f ville Stouf
15
an Rd
McCow
H
n Warde
30
ock Mul
Town of Newmarket
80
ard Orch
4
51
Ea
t gle S
Spruce
G
nR
404 y 31 Pkw 81 het Cac
a McCow
65
Ra
25
tS
Main S le Dr ymervil
2 zie n 53 52 8 42 60 12
9 Line
acke
G
12
e Ave
or M Maj
cessio
Town of 50 Markham
46
11
.
ane
L reen
10
44 1 55 7 14
9
in Woodb
d
ills R
nM
10 Con
67 6 35 57 41 11 70
8
y Rd
Kenned
Elgi
7
Bayview Av e
10
e
6
McCow
ve 18 A
v 19 A
5
an Rd
F
4
Ave Warden
E
Thornhill
3
Town of Markham
Town of WhitechurchStouffville
2
t Yonge S
D
Town of Aurora
Town of Newmarket
1
St N
C
B
A
central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville
48
Rd
Main
n Rd
en
56 cessio
Al d
9 Con
cessio nR
Dr
erson
Ave
t
S Yonge
Tel
Price Range
Page No.
Heirloom in Markham
905-201-2804
• •
from $433,000
13 7f
11 Madison Homes
Greensborough
905-201-7700
•
•
from $497,000
31 7F
20 Fieldgate Homes
BlueSky Stouffville
905-640-0002
•
from $473,000
Insert 18f
24 Ballantry Homes
Cornell
905-294-0221
•
•
from $526,000
11 & 31 8F
•
from $450,000
11 8f
5 8g
30 Madison Homes
Cornell Rouge
905-472-9556
•
•
30 Forest Hill Homes
Cornell Rouge
cornellrouge.com
41 Aspen Ridge Homes
Upper Cornell
905-554-3446
•
•
from $495,000
1 7F
52 Fieldgate Homes
Potter’s Bend
fieldgatehomes.com •
•
from $500,000
Insert 6G
54 Beaverbrook Homes
Victoria Highlands
416-924-0110
•
from $450,000
35 16B
59 Primont Homes
Harmony
905-305-8871
•
from $540,000
13 5I
64 Fieldgate Homes
Upper Unionville
905-477-6464
•
•
from $630,000
Insert 5H
65 Fieldgate Homes
Victoria Manor
fieldgatehomes.com •
from $920,000
Insert 3G
Beaverbrook Homes
The Terrace On Rouge Creek
905-640-7360
• •
from $390,000
1
Marydel Homes
Woodland Hills
905-898-7380
•
from $400,000
10B
2
Country Wide Homes
Pavo Point
905-554-5975
•
from $400,000
5F
8
Country Wide Homes
Wismer Commons
905-907-1500
•
•
from $450,000
6F
10 Monarch Corporation
Nichols Manor at Heritage
416-495-3542
•
from $550,000
2F
12 Laurier Homes
windsong
905-201-5979
•
•
from $495,000
6G
12 Laurier Homes
Windsong North
905-201-5979
•
from $598,000
6G
14 Ballygarven Homes
Upper Canada Meadows
905-395-1294
•
from $330,000
11C
17 Conservatory Group
Heritage Estates
905-640-2274
•
•
from $283,000
18E
18 Kylemore Communities
Angus Glen West Village
905-887-9950
•
from $2000,000
4G
20 Starlane Home Corporation BlueSky Stouffville
starlanehomes.com •
from $473,000
18F
26 Arista Homes
Boxgrove
905-201-1102
•
• •
28 Preston Homes
Copper Hills
905-954-4050
•
28 Greenpark Homes
Copper Hills South
from $432,000
8H
from $500,000
14d
CopperHillsSouth.ca •
•
from $585,000
14d
28 Starlane Home Corporation Copper Hills South
CopperHIllsSouth.ca •
•
from $585,000
14d
30 Madison Homes
Forest Hill
cornellrouge.com
•
from $400,000
8F
35 Fieldgate Homes
Greensborough
905-201-6106
•
from $586,000
7F
42 National Homes
Wismer Woods
416-746-1234
•
• •
from $680,000
6G
50 Geranium Homes
The Neighbourhoods of Cardinal Point 905-640-9999
•
•
from $570,000
7F
51 Oxford Homes
Coventry Valley
905-836-8902
from $600,000
9C
53 H&R Developments
Castle Square
hr-newhomes.com
•
6g
55 Country Wide Homes
Woodland Hills
905-907-1500
•
10C
60 Best Homes
Wismer Gardens
905-479-9600
•
from $410,000
6G
62 North Star Homes
Pacific Villas
416-332-8115
•
from $337,000
6G
62 North Star Homes
Mill Fair Village
NorttStarHomesInc.com
•
from $500,000
6G
63 Fieldgate Homes
Bond Lake Village
905-313-1021
•
from $399,000
12J
64 Arista Homes
Upper Unionville
905-534-1564
•
•
from $500,000
5H
64 Paradise Homes
Upper Unionville
905-477-6464
•
•
from $500,000
5H
66 Treasure Hill Homes
Aurora Woods
treasurehill.com •
13H
67 Portside Developments
Greensborough
416-746-1234
•
from $329,000
7F
80 New Era Homes
Landmark Estates
905-953-9046
•
from $380,000
10D
85 Orchard Ridge Homes
Prairiewood
orchardridgehomes.com •
from $800,000
16F
central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville
Primont Homes
Site
M Fi ap nd er
Builder
De ta Se che m d To i w n Co hom nd e o
# Si te 6
57
9
59
Mono Adjala
32
25
14
Schomberg
51
15
King
Bradford Tecumseth and Tottenham65 71 9
11 20
48
Georgina Keswick
e
co
im
eS
k La
11
East Gwillimbury
37 13 55
Barrie 33
50 45 34 70 400 16 17
44
27
400
Alliston61
47
Essa
Beeton
12
0
10
Hwy 5
K
Shelburne
89
40
00
Vespra4
90 48 Lisle 44 2 Angus
Sunnidale
Tosorontio Everett
1
Wasaga Beach
Oro
6
Orillia
11
11
12
29
48
31
Lindsay
Uxbridge
Cannington
7 3
9
26
Scugog
Oshawa
Dr
14
S
401
42
15
27
E
49
400
22
Dr
Ma
iew plev
18
30 Dr
18
19
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
ark on P
Bay
Mols
Big
17
e Av 35 tle Lit Yo ng eS t t Rd 8 Poin
Steel St
16
Lakesh ore Burton Av Dr e
St
400
lop
Newcastle
Manvers
r
n Du
Barrie
wD levie d R alem Map
Rd agh Ard 4
r lle Mi
og Scug
13
Lake
eon
Georgina Island 33 obcayg B
Mara
10
s Dr
J
58
38
93
69
9
Bracebridge
8
n Vetera
I
H
52
27
27 36
Tay
69
400
7
St
24
60 41
6
irv
G
24
10 5 19 43 34 39
Midland
5
Huron Rd
iew
F
E
4
Fa
Thornbury
7
Georgian Bay
3
ne
An
D
2
t tS
C
1 St.
B
A
Barrie, Collingwood, Wasaga, Innisfil, Keswick
th St
58 Duckwor
north region:
en
nc Vi ia Rd
Tel
Price Range
• • • • • • • • •
• • • • • • • • • • • • • • • • • • • • • • • • •
• •
from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from
$267,000 $780,000 $580,000 $280,000 $210,000 $210,000 $200,000 $170,000 $330,000 $275,000 $155,000 $347,000 $250,000 $253,000 $260,000 $250,000 $316,000 $300,000 $280,000 $200,000 $700,000 $750,000 $270,000 $300,000 $233,000 $233,000 $440,000 $330,000 $250,000 $284,000 $260,000 $298,000 $550,000 $290,000 $300,000 $200,000 $285,000 $500,000 $280,000 $240,000 $300,000 $200,000 $200,000 $298,000 $220,000 $234,000 $280,000 $280,000 $300,000 $311,000 $210,000 $275,000 $225,000 $300,000 $285,000 $340,000 $350,000 $250,000 $500,000 $310,000 $300,000 $285,000 $280,000
Page No.
61 9g 1 7k 63 7I 69 7J 4F 4F 6F 13H 14E 5E 8C 1D 18D 13E 13e 4D 9g 9g 6I 8G 7k 7k 8I 8I 19E 19E 4E 9H 17F 2E 8H 13I 6H 9G 7G 7F 7F 17C 6D 7G 3F 5E 6I 3E 15E 5E 6G 6I 6I 8I 8I 8I 3e 6h 6G 16B 8I 3F 7G 3I 5J 3E 7J 6I 7J
Barrie, Collingwood, Wasaga, Innisfil, Keswick
Site
north region:
Builder
Ballymore Homes Lakeside Meadows 1-877-455-0201 • Aspen Ridge Homes King Country Estates 905-558-0255 • Great Gulf Homes Summerlyn Village 905-775-3461 • Briarwood Homes Mill Street Village millstreethomes.com Pacific Homes Limited MarlLake Village 1-877-428-5115 • Red Berry Homes MarlLake Village 1-877-428-5115 • Starcrest Homes Nottawasaga Village 1-877-534-4445 • Mason Homes Cloverlea Lindsay 705-324-1653 Mancini Homes Princeton Woods 705-730-1978 • Democrat Homes Wasaga Sands 1-866-409-2724 • Mariposa Homes West Ridge 705-329-3330 • Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay 519-599-1900 • Fandor Homes Hamptons on Big Bay Point 705-792-6807 • Grandview Homes Big Bay Point 705-735-0732 • Grandview Homes Bear Creek Hollow 1-866-386-1629 • Berkley Homes Wasaga Beach 1-877-422-1185 • Ballymore Homes The Simcoe 1-877-455-0201 Ballymore Homes The Neptune 1-877-455-0201 Previn Court Homes Victorian Village 1-855-7PREVIN • Southpointe Homes Southpointe 1-888-431-1732 • Rosehaven Homes King Country Estates 905-558-0098 • Country Wide Homes King Country Estates 905-907-1500 • Fernbrook Homes Grand Central 905-778-0873 • Brookfield Homes Grand Central 905-778-0873 • Melody Homes Sunflowers 705-721-7200 • Zancor Homes Sunflowers 705-721-7200 • Pristine Homes Timberwolf Lodge 905-851-1224 Oxford Homes Mount Albert Village 905-251-3203 Kingsview Homes Renaissance Collection 705-734-9518 • Kaitlin Group Ltd. Blue Shores 1-866-625-2583 • Grandview Homes Forest Beach Estates 1-866-386-1629 • B.G. Schickedanz Lake Scugog Meadows North 905-695-1953 • Alliance Homes RidgeHill 705-434-4433 • Alliance Homes Jackson’s Landing 1-866-722-7771 • Country Homes Alcona by the Lake 1-866-531-3424 • Maple Lane Homes Wallace Mills 705-436-7215 Sandiego Homes Lakeside Living in Innisfil 705-436-5445 • Senator Homes Lakeside Cove 705-797-1967 • Sunfield Homes Centre Point 705-734-1887 • Pristine Homes Pebbleshores 705-436-5547 • Brandy Lane Homes Mountain Trails 1-888-445-9608 Stonebridge Building Group Stonebridge by The Bay 1-877-420-0880 • Royalpark Homes Emerald Forest royalpark.com • Delpark Homes Pretty River on Georgian Bay 1-888-257-1999 Mason Homes Just 4U masonhomes.ca/4U • Bremont Homes Centretown 1-877-855-1122 RAYMAC Homes Brennan Enclave 705-516-0681 • Brookfield Homes Treetops 1-855-590-3577 • Orchard Ridge Homes Treetops 1-855-590-3577 • Rosehaven Homes Dreamfields in Bradford 416-410-0175 • Regal Crest Homes Dreamfields in Bradford dreamfieldsbradford.com • Country Wide Homes Dreamfields in Bradford dreamfieldsbradford.com • Devonleigh Homes Inc. Creekside 705-444-0555 • Devonleigh Homes Inc. Parkside by Devonleigh 705-435-9991 Devonleigh Homes Inc. Brownley Meadows 705-423-9662 • Democrat Homes Maplewood democrathomes.com • Brookfield Homes Park Central 905-778-0873 Fram Building Group The Shipyards 705-446-2626 Briarwood Homes Briarwood Estates 705-294-2288 • Lakeview Homes Greenbrook Village 519-217-5944 • Brookfield Homes Fieldstone MyFieldstone.ca • Briarwood Homes Pretty River Collingwood 1-888-257-1999 • Brookfield Homes Willow Glen Tottenham 1-888-720-9508 Far Sight Homes Greenfields 1-855-299-7929 • Ballymore Homes Mill Street Village millstreethomes.com
Fi Map nd er
De t Se ach m ed To i w n Co hom nd e o
# Si te IFC-Inside front cover
11 14 16 71 1 1 2 3 4 5 6 7 8 9 9 10 11 11 12 13 14 14 17 17 18 18 19 20 22 24 25 26 27 31 32 33 33 35 36 37 38 39 40 41 42 43 44 44 44 45 45 45 46 47 48 49 50 52 55 58 59 60 65 70 71
59
2012
Shopping Guide
Love to shop? Our 2012 shopping guide profiles some of the GTA’s top home and décor shops and services.
2012 issue now available! Profiling a selection of the GTA’s top home & décor shops and services
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1/17/12 4:21:48 PM
416.626.4889
homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.
60 New home guide GTA | january 5 - 19, 2013
n ys! i e da v o M 60 to 0 3
Inventory Home Event! THE LAKESIDE on a 50’ lot
455
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SECOND FLOOR ELEVATION B
OR
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SUTTON Jackson’s Point
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Come Tour our Fully Decorated Models! Townhomes starting from $266,900 42 ft. Singles starting from $335,900 • 50 ft. Singles starting from $378,900 SALES OFFICE: 4950 Baseline Road, Sutton, ON, L0E 1R0 Mon. - Wed. 1pm - 8pm. | Thurs. & Fri. by appt. only. | Sat., Sun. & Hol. 11am - 6pm
1-877-455-0201 • LakesideMeadows.ca
Prices and specifications are subject to change without notice. Renderings are artist’s concept. E. & O. E.
january 5 - 19, 2013 | New home guide GTA 61
Chinese Home & Condo Guide C
hinese home and condo buyers
十一月二十四日至二月二日 Nov 24, 2012 - Feb 2, 2013
and investors now have a new
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62 New home guide GTA | january 5 - 19, 2013
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frOM $579,990 2,435 - 3,990 sq. ft.
Visit our presentation centre 22 Downy Emerald Drive Located off Highway 88, just west of Professor Day Drive • 905-775-3461 • Sat & Sun: 11 - 6pm Mon - Wed: 1 - 8pm • Closed Fri • Model homes close 30 min prior to sales centre • GREATGULF.COM
Prices and specifications subject to change without notice. E.& O.E. illustration is artist’s impression. All square footages are approximate. Actual usable space varies from stated floor area.
january 5 - 19, 2013 | New home guide GTA 63
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
64 New home guide GTA | january 5 - 19, 2013
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 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
january 5 - 19, 2013 | New home guide GTA 65
2012 EDITION FREE
YOUR FIRST
HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME
WHAT YOU NEED TO KNOW ABOUT
MORTGAGES
SPECIALION: CONDO SECT
N URBA LIVING
The Guide to Buying and Managing Your First Home CONDO IN THE CITY OR LOWRISE IN THE SUBURBS:
what are your
options?
416.626.4889
SPECIAL EDITION
YFH Cover FEB2012_FEB14.indd 1
2/7/12 6:33:05 PM
66 New home guide GTA | january 5 - 19, 2013
homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.
View looking south east over the site and Lake Wilcox
UNVEILING SOON at Yonge & Bloomington in Richmond Hill, a rare community of distinctive 28’ & 38’ single detached homes backing onto nearly 100 acres of nature.
january 5 - 19, 2013 | New home guide GTA 67
homesmarts
Bid adieu to this old house: How to stage your home for maximum profit by Marnie Bennett
Bright paint or outdated wallpaper? Replace them with neutral wall colours and add vibrancy with throw pillows and vases
68 New home guide GTA | january 5 - 19, 2013
As if purchasing a new home isn’t intense enough, homebuyers (with the exception of firsttimers) also have to sell their current properties. The fact is, few homes are ready to go on the market as-is. It’s not just a matter of tidiness – though that’s certainly crucial. It’s about helping potential buyers to connect emotionally with your space. That means making your home welcoming to as many people as possible, often at the cost of your own personal taste. This isn’t easy, but a professional stager can help; your realtor may even have one on staff. If a stager isn’t in the cards, there are steps you can take on your own. First off, de-clutter. Chances are, you’ve got twice as much stuff as you need to show your home to its best potential. In addition to removing obvious messes, this includes things like extraneous furniture, children’s toys, knick-knacks and family photos. This can be emotionally difficult, but
Marnie Bennett is the marketing consultant for Bennett Property Shop Realty, a full premium service real estate brokerage specializing in marketing and selling new and resale homes, condominiums and investment real estate. Marnie is the host of the weekly radio show the Real Estate Hour, a millionaire real estate investor and a wealth management coach. bennettpros.com
remember: the goal is to make it easy for potential buyers to imagine their own possessions in your space. Next, fix unfinished projects. If buyers see loose floor tiles and cracks in the wall, they’ll wonder what other issues are lurking under the surface. Don’t give them cause to worry. To make rooms appear larger, replace puffy, over-sized furniture with sleeker pieces. In the bedroom, you’re better off showing a queensized bed and two small bedside tables than a king with none. To find the right pieces, you can beg, borrow and, if necessary, lease. Bright paint or outdated wallpaper? Replace them with neutral wall colours and add vibrancy with throw pillows and vases. Splurge on fresh, sweetly scented flowers for an open house; they’ll pay for themselves. Mirrors are a wonderful tool for filling empty walls. And, whatever the décor in your bathroom, thick white towels will lend a hotel-like vibe. For extra curb appeal, give your front door a fresh coat of paint and temporarily take your storm door off the hinges. Invest in two urns; plant them with pretty, seasonal flowers. In winter, cedar branches draped with ribbon are just as beautiful. I can guarantee that all this work will have a huge payoff, so keep your eyes on the prize. After all, in your brand new home, you can have things exactly the way you want!
Grand Opening $ ,990 489 IN TOTTENHAM
THE SPRINGFIELD on a 40’ Lot
SECOND FLOOR ELEVATION B
ELEVATION B – 3,050 SQ.FT. OR GROUND FLO ELEVATION B
TOT T E N HA M
SALES PAVILION
Towns from 33’ Lots from SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm
$279,990
$354,990
Semis from
40’ Lots from
$314,990
$394,990
millstreethomes.com
Prices and specifications are subject to change without notice. All renderings are artist’s concept. E. & O. E.
69
ONTARIO’S
PREMIER
GUIDE
TO
ADULT
LIFESTYLE
COMMUNITIES
COMMUNITIES WALTER GRETZKY’S
health tips for active adults HOW TO BRING
big style to your small space
TAKE AN ADVENTURE
“cruise” down the Colorado River
FR E E
FALL 2012
LC_Cvr_Fall 2012_FIN.indd 1
Design · Decor · Lifestyle · Travel
Focused on resort and golf course communities for today’s active adults. Available throughout the Greater Toronto Area and Southwestern Ontario.
9/10/12 6:00:17 PM
FALL 2012 edition available now!
For your free copy please call 416.626.4889 70 New home guide GTA | january 5 - 19, 2013
homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.
January 5 - 19, 2013
Showcasing new homes in the GTA’s west region
IN THIS SECTION
>> Maps and listings for new-home communities in the west region >> Builder news and the latest in new homes in the west region
72
K
J
I
H
G
F
E
D
C
B
A
1
2
3
west region:
24
4
26
5
Mississauga
6
7
27
8
9
10
11
12
13
14
16
17
18
Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
15
19
Price Range
Page No.
4
Conservatory Group
Central Park North
905-890-0195
•
•
from $465,000
7F
9
Regal Craft Homes
The Neighbourhoods of m
905-828-7888
•
• •
from $305,000
4f
14 Eden Oak
Estates of Credit Ridge
www.edenoak.com •
from $450,000
19 Dezen Homes
McLaughlin
905-696-7938
•
from $544,000
8B
20 Forest Hill Homes
Derry Village Mississauga
905-795-8307
•
from $500,000
8B
23 Dunpar Homes
Park View Trail
416-253-5888
•
from $449,000
11F
27 Dezen Homes
Ravines on Fletcher’s Creek
905-814-7846
•
from $695,000
8B
8I
Mississauga
Tel
west region:
Site
Fi M ap nd er
Builder
De ta Se ch m ed To i w Co nho nd m o e
# Si te IBC-Inside back cover
73
1
2
3
4
5
6
7
8
9
10
11
12
2 H an se n
Bv
A
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St ch ur
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St
10
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Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
34
20
M
Rd
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ke
ac
29
Ai
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* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
To r
6
17 1
10
12 67
D
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ch
33
Sa nd
Cr he ft so
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M
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30 46 51
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Brampton, Caledon, Bolton
ne
ne
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43
45 32
au
on
st
west region:
ne
Li
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W
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8
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35
Ki
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St
20
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G
410
Landscapes
905-893-3331
9
Mattamy Homes
Mount Pleasant North
9
Mattamy Homes
Price Range
Page No.
• •
from $390,000
19 & 81 8M
mattamyhomes.com •
•
from $267,000
BC 6P
Mount Pleasant Village
mattamyhomes.com •
•
from $267,000
BC 6P
19 Mattamy Homes
Salisbury Square
mattamyhomes.com •
•
from $287,000
BC 10N
21 Primont Homes
Centretown
905-495-5067
•
• •
from $356,000
12 9M
48 Aspen Ridge Homes
Credit Manor Heights
905-216-5155
•
•
from $400,000
1 7Q
60 Primont Homes
Castlemore
905-856-5777
• •
from $410,000
13 9K
62 Fieldgate Homes
Valley Lands
905-457-0445
•
• •
from $410,000
Insert 9O
66 Ballantry Homes
Spring Valley Village
905-457-3698
•
from $370,000
5 9M
6
National Homes
Gates of Countryside
416-746-1234
•
•
from $290,000
9M
6
Townwood Homes
Gates of Countryside
gatesofcountryside.ca •
•
from $400,000
9M
6
Country Wide Homes
Gates of Countryside
905-907-1500
•
from $400,000
9M
6
Regal Crest Homes
Countryside Meadows
countrysidemeadows.ca
•
from $346,000
9M
6
Greenpark Homes
Gates of Countryside
gatesofcountryside.ca •
•
from $400,000
9M
6
Royal Cliff Homes
Gates of Countryside
gatesofcountryside.ca •
•
from $400,000
9M
6
Starlane Home Corporation Gates of Countryside
starlanehomes.com
•
from $520,000
9M
8
Great Gulf Homes
Castlemore Crossing
905-793-5607
•
from $616,000
10J
10 Stanford Homes
Fletcher’s Meadow
905-456-9398
•
from $292,000
6o
11 Berkshire Homes
Credit Springs
519-938-8449
•
from $434,000
3D
13 Conservatory Group
Walnut Grove in Spring Valley
905-455-2725
•
•
from $250,000
6P
17 Pemberton Group
Rosedale Village Golf & Country Club 905-799-5000
•
• • • from $190,000
18 Saberwood Homes
Heart Lake Village
905-773-6549
8N
25 Heathwood Homes
Terracotta Village at The Credit Valley 905-874-4741
•
30 Gold Park Homes
Castlemore Crossing
905-794-0366
•
32 Forest Hill Homes
Ravines of Castlemore
905-794-8875
•
33 Monarch Corporation
Strawberry Fields
905-843-0707
•
33 Coscorp Inc.
Strawberry Fields
905-843-8989
36 Greenpark Homes
Castlemore
37 Oxford Homes
Adena Ridge
905-584-6444
•
• from $300,000
8L
from $415,000
9Q
from $285,000
10K
from $520,000
8K
•
from $390,000
6M
•
from $310,000
6M
www.greenparkhomes.com •
from $355,000
11L
from $600,000
5H
38 Andrin Homes
Turnberry Townhomes AndrinTowns.com
•
from $320,000
9M
44 Falconcrest Homes
Timberbank Manors
905-230-4663
•
from $310,000
6P
45 Brookfield Homes
Pathways
905-584-2225
•
from $530,000
8K
48 Regal Crest Homes
Credit Manor Heights
yourkingdom.ca
•
•
from $450,000
7Q
48 Country Wide Homes
Credit Manor Heights
yourkingdom.ca
•
from $450,000
7Q
50 Mosaik Homes
The Estates of Spring Valley
905-216-4806
•
•
7P
acornhomes.ca
51 Acorn Homes
Castlegate
•
from $498,000
11K
55 Rosehaven Homes
The Neighbourhoods of Mount Pleasant lovemountpleasant.com •
•
6P
55 Townwood Homes
The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •
•
6P
57 Rosehaven Homes
Riverstone’s Rivers Edge
416-410-0175
•
from $710,000
10K
58 Devonleigh Homes Inc.
Meadowlands
519-942-3312
•
•
from $250,000
3C
64 Meridian Homes
Credit Valley Manors
905-216-5186
•
•
from $400,000
8P
65 Great Gulf Homes
Mount Pleasant
416-679-8466
•
from $500,000
6P
starlanehomes.com •
from $550,000
10k
67 Starlane Home Corporation Rivers Edge
Brampton, Caledon, Bolton
Builder
west region:
Fi Map nd er
Tel
Tribute Communities
De ta Se che m d To i w n Co ho n d me o
# Si te IFC-Inside front cover; IBC-Inside back cover
Site
1
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* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations. Niagara on the Lake
Hamilton
Q
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Rd
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15 r D e 29 sid 8 E k r a St P s da un D
403 Hwy 2
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Acton, Halton Hills, Milton, Burlington, Waterdown
e
M
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west region:
ug
Waterdown
K
27
Rd Rd ne e Li Lin 4 3
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12
28
13 25 Tr 5 em ai n
Rd
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17
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Attention Builders Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
rk
Rd
ne
Rd
ne
Li
Pa
Milton
Li
ne
ow
w To
G
1
Li
al af Tr
2
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5
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8
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2
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Rd
Rd
30
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Sid er
y. 7
Halton Hills Georgetown Ja m
on Br
ne
Rd
Hw
Rd
ne Li
Li
3
10
ne
33
16
Sid er
Li
5
4
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6
17
D E
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25
15
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Sid er
Hw
Cl ay
Hw
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C
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26
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A
rt Rd ou ll s C chi le r vd Co Bl hu C t on e S ct c la al W
B
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Acton
Stoney Creek
2 34
Grimsby 37
38
36
35
St. Catharines
Niagara 420
20
Fi Map nd er
De ta Se che m d To i w n Co ho n d me o
17
Mattamy Homes
Hawthorne Village
mattamyhomes.com
2
Great Gulf Homes
Edgewood
905-356-9408
•
from $289,000 12Q
3
Double Oak Homes
Silver Creek Hollow
905-702-8388
•
from $600,000 9d
4
Conservatory Group
Milton Heritage Homes
905-875-1953
•
•
from $275,000 9g
5
Fieldgate Homes
Milton Trails
416-623-1327
•
from $380,000 9H
5
Arista Homes
Milton Trails
905-864-3306
9h
9
Branthaven Homes
Origins
branthaven.com
•
from $300,000 10M
11
Tobyn Park Homes
Village of Walkers Green
905-319-8455
•
from $270,000 11l
12
Tobyn Park Homes
Park City
parkliving.ca
13
Heathwood Homes
The Village at Traditions
905-876-3140
•
13
Lakeview Homes
Morrison Village
1-800-565-5150
•
15
Rosehaven Homes
Waterdown Meadows
waterdownmeadows.com •
18
Parkbridge Lifestyle Communities Inc. Antrim Glen
1-800-856-4318
•
from $250,000 1O
20
Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland
1-800-479-9777
•
from $250,000 12R
22
Country Green Homes
Park Place Village
905-690-7600
•
26
Eden Oak
Weaver’s Mill
weaversmill.com/nh
•
from $290,000 6B
27
North Star Homes
Valleygreen
northstarhomesinc.com •
from $310,000 9H
28
Intracorp
Foothills
905-864-8997
•
from $490,000 8H
3
Menkes
The Enclaves of Upper Canada
289-891-9103
•
•
from $400,000 9C
34
Phelps Homes
Lakeside Estates
phelpshomes.com •
from $696,000 5Q
35
Phelps Homes
Jordan Village
phelpshomes.com
•
from $345,000 9R
36
Phelps Homes
Brookside
phelpshomes.com
•
from $236,000 7R
37
Phelps Homes
Streamside
phelpshomes.com •
from $316,000 6R
38
Phelps Homes
Magnolia
phelpshomes.com •
from $400,000 7R
Site
Tel
Price Range
•
from $220,000
Page No.
BC 9G
• from $180,000 11l
•
from $418,000 8h
• • 11R
• 8m
• • 8m
Acton, Halton Hills, Milton, Burlington, Waterdown
Builder
west region:
# Si te IBC-Inside back cover
77
1
2
3
4
5
6
7
8
9
10
11
12
A
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le
Co
M id d
pe or
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th
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ld na M
ac Do
yn
ds
St
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Rd
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pe
W
Br
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Up
W
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12
id
dl
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Rd
Rd
La
Rd
Re
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sh a St or e Rd
ee Sp
Re
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Rd
St
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St W as Du
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25
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Up p
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9
15
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8
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rD
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tw ar
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E
Ford Dr
8
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14
4
D
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fa
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403
n Li
Oakville
6
C
9
B
La
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sh
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Rd
I
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rlo
Bu
J
Rd
K
24
Rd
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401
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Frank
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8
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u Aven
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Main
Cambridge 24
n
Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554
d
eim R
Blenh
An
* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.
Rd
Elgi
R
vd
Clyde
St.
Q
Bl
ler Rd
Co
d
O
lin Blv
Lang
Hespe
Oakville, Cambridge
h Ave
rdale
St
west region:
Guelp
Beave
n Rd
M
essio
tain Foun
78
ck Rd
le Blo
Midd
Conc
L
s Rd
Myer
St
13
from $590,000
Page No.
8
Monarch Corporation
Bronte Creek
monarchgroup.net
•
3
Dawn Victoria Homes
North Morrison House
905-822-5000
8
Fernbrook Homes
Bronte Creek
905-847-6377
•
from $550,000
3G
8
Legend Creek Homes
Bronte Creek
905-827-6441
•
from $410,000
3F
8
Branthaven Homes
Bronte Creek
905-847-5376
• • from $470,000
3G
9
National Homes
Glen Abbey at Westmount
416-746-1234
•
4G
9
Century Grove Homes
Upper Glen Abbey Estates
905-465-1379
•
•
from $470,000
3G
14
Tribute Communities
The Courtyard Condominium Residences
905-257-6200
• from $260,000
5D
15
Menkes
Millstone On The Park
905-825-3619
•
from $300,000
3G
16
Rosehaven Homes
Woodland Trails
liveinoakville.ca
• •
from $420,000
4D
• from $540,000
IBC 3G
7D
Oakville, Cambridge
Price Range
west region:
Tel
Fi M ap nd er
Site
De ta Se che m d i To w Co nho n d me o
# Si te
Builder
79
trendspotting
1 The Big Mug
2 handle-free
3 retro
mugged
JOE. JAVA. CAFÉ. CUPPA COFFEE. WHATEVER YOU CALL IT, THAT BURST OF CAFFEINE ALWAYS MAKES IT EASIER TO START THE DAY. CONSIDERING IT’S THE THE SECOND MOST VALUABLE TRADED COMMODITY IN THE WORLD (SECOND ONLY TO CRUDE OIL) THE WORLD NEEDS A LOT OF MUGS TO KEEP UP WITH CONSUMPTION! CHOOSE A CUP CAREFULLY, YOU NEED A MUG THAT DOESN’T JUST MATCH THE DÉCOR, IT SHOULD MATCH YOUR ATTITUDE. by elisa krovblit
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81
communityfocus
Find your dream home at Brookfield Homes’ Fieldstone Community
T
here’s a new master-planned community that provides the perfect setting for your family’s dreams to materialize. It’s Brookfield Homes’ Fieldstone community, and it’s now open in the charming, historic town of Mono, steps away from the Island Lake Conservation Area in the Orangeville area and a short drive to Brampton and Toronto. Featuring grand, estate-style homes on 60-, 70- and 80-ft. homesites, Fieldstone’s designs infuse Colonial, Gothic and Craftsman architectural influences into an eclectic blend of Ontario heritage styles, boasting majestic interiors and striking façades. Modern Green features allow you to save money by making your home airtight and efficient. Built for family living and entertaining, the modern designs with open-concept layouts feature details such as gleaming hardwood and nine-ft. ceilings on the main floor and a luxurious spa-inspired master ensuite with Corian countertop, as well as separate his and hers walk-in closets (depending on the home design of your choice).
82 New home guide GTA | january 5 - 19, 2013
As for the Fieldstone kitchens, they come complete with granite or quartz countertops, decorative kitchen islands and extended height upper cabinets. Since great views make life more enjoyable, also included with every Fieldstone home is the Panorama View Window, which opens up the rear of your home by allowing more natural light to shine through, not to mention a fantastic view of family and nature in your backyard oasis. At Fieldstone, life extends past the four walls of your home and into the community. Explore the many trails and attractions within and around the community, and enjoy recreational pursuits from hiking, dog walking and biking to fishing, skiing, playing volleyball and more.
BROOKFIELD HOMES
Fieldstone
To ensure a pleasing streetscape at every turn, each expansive homesite lays in a master-planned and architecturally-controlled community. Whether you take a stroll along the future Fieldstone Community Trail, relax on the granite boulders that double as decorative accents or spend a romantic evening overlooking the pond from the Gazebo and Lookout, you’ll find the neighbourhood, at once stately and natural, is adorned with nature’s gifts.
Mono
The best of Ontario’s rural legacy involves a carefree lifestyle where your family can safely play outside, surrounded by greenery and fresh air. And that’s exactly what you’ll find at Brookfield Homes’ Fieldstone. For more information, please visit myfieldstone.ca or call 1.855.379.1495.
1.855.379.1495 myfieldstone.ca
location housing type Estate-style homes on 60-, 70- and 80-ft. homesites contact
january 5 - 19, 2013 | New home guide GTA 83
Ontario’s Most-Read New Homes Group 6-week issue Dec 8, 2012 - Jan 19, 2013 Volume 15 Issue 22
January 5 - 19, 2013 Volume 21 Issue 01
3-week issue January 5 - 26, 2013 Volume 17 Issue 01
YES!
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Well inspired homes in a well inspired setting. Model Home Compliments of Acorn Homes www.acornhomes.ca
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homebuyers’help
HomeBuyers’ Resource Section You love the home, see what you can afford! Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart
january 5 - 19, 2013 | New home guide GTA 87
Calculate your mortgage payments interest rate
amortization period
chart figure
example: 5%
25 years
5.82
mortgage amount ÷ 1,000 (mortgage amount $125,000)
125
Follow these steps to see if you’ll qualify for a mortgage on your dream home
01
05
Calculate the combined monthly before-tax income of you and your spouse.
Multiply this figure by the amount you need to borrow. Divide by 1,000.
02
06
Divide by three. This figure is the monthly payment you can afford to make on your home.
Add to this your estimated monthly heating costs and monthly property taxes.
03
07
Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.
04
Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.) 88 New home guide GTA | january 5 - 19, 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.
monthly payment
$
Mortgage payment calculation chart %
Amortization Periods
Interest Rates
10 years
15 years
20 years
25 years
3.00%
9.65
6.90
5.54
4.73
3.25%
9.76
7.02
5.66
4.86
3.50%
9.88
7.14
5.79
4.99
3.75%
9.99
7.26
5.91
5.13
4.00%
10.11
7.38
6.04
5.26
4.25%
10.23
7.50
6.17
5.40
4.50%
10.34
7.63
6.30
5.53
4.75%
10.46
7.75
6.44
5.67
5.00%
10.58
7.88
6.57
5.82
5.25%
10.70
8.01
6.74
5.96
5.50%
10.82
8.14
6.85
6.10
5.75%
10.94
8.27
6.98
6.25
6.00%
11.07
8.40
7.12
6.40
6.25%
11.19
8.53
7.26
6.55
6.50%
11.31
8.66
7.41
6.70
6.75%
11.43
8.80
7.55
6.85
7.00%
11.56
8.93
7.69
7.00
7.25%
11.68
9.07
7.84
7.16
7.50%
11.81
9.21
7.99
7.32
7.75%
11.94
9.34
8.14
7.47
8.00%
12.06
9.48
8.28
7.63
8.25%
12.19
9.62
8.44
7.79
8.50%
12.32
9.76
8.59
7.95
8.75%
12.45
9.90
8.74
8.12
9.00%
12.58
10.05
8.86
8.28
9.25%
12.71
10.19
9.05
8.45
9.50%
12.84
10.33
9.20
8.62
9.75%
12.97
10.48
9.36
8.78
10.00%
13.10
10.63
9.52
8.95
10.25%
13.24
10.77
9.68
9.12
10.50%
13.37
10.92
9.84
9.29
10.75%
13.50
11.06
10.00
9.46
11.00%
13.64
11.22
10.16
9.63
11.25%
13.77
11.36
10.32
9.80
11.50%
13.91
11.52
10.49
9.97
11.75%
14.04
11.66
10.65
10.15
12.00%
14.18
11.82
10.81
10.32
12.25%
14.32
11.97
10.98
10.49
12.50%
14.46
12.13
11.15
10.67
12.75%
14.59
12.28
11.31
10.85
This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 january 5 - 19, 2013 | New home guide GTA 89
Compare mortgage rates for your best deal CHARTERED BANKS
Variable
6 Months
1 Year
2 years
3 years
4 years
5 years
ATB Financial 3
4 6.30op
3.1 6.30op
3.14 3.7 4.39 6.50op
3.69
Alterna Svgs/Alterna Bk 3
4 6.30op
3.05 3.09 3.09 3.29 6.30op
3.24
Bank of Montreal 3.1
4 6.30op
3.1 3.14 3.7 4.64 6.30op
3.09
Bank of Nova Scotia 3
4.55 6.45op
3.65 3.89 2.79 4.39 6.50op
3.99
Canadian Western Bank
4 6.45op
3.1 3.14 3.7 4.64 6.30op
5.24
CIBC 3.2 6.70op
3 3.14 3.5 4.39 6.35op
5.24
HSBC Bank Canada 3
2.7 3.95 2.98 4.99 6.35op
3.49
3.05
3.15
3.65
3.64
3.69
3.44
3
3.25
3.25
3.25
3.25
3.09
3.09 3.14 3.7 3.64 6.30op
3.79
3 3.1 3.15 3.15 4.00op
3.19
ICICI Bank Canada ING Direct
Laurentian Bank n/a
4.45 6.20op
4.4 6.70op
Manulife Bank 3 4.45 MonCana Bank
2.94
3.04
3.09
National Bank n/a
3.1 3.14 3.7 4.64 6.30op
3.99
President’s Choice Finan
4 6.70op
3.2
Royal Bank 3.2
4 6.30op
2.94
3.2
2.99
3.35
3.44
3.1 3.14 2.99 4.64 6.30op
3.24
5.24
TD Canada Trust 3.2 3 3.14 3.7 3.49 5.24 6.30op TRUST COMPANIES AGF Trust
n/a
2.99
3.1
3.5
3.64
3.19
Community Trust
n/a
6.5
3.1
3.35
3.95
4.64
5.24
Effort Trust n/a
4.45 6.30op
3.45 3.8 4 4.6 6.30op
5.1
Home Trust Company
3.95
2.74
3.15
3.09
Investors Group Trust n/a
3.2
4 6.50op
3.1 3.14 3.7 4.64 6.30op
2.69
2.89
5.24
MTCC 3
4.55 6.45op
3.65 3.89 2.79 4.39 6.50op
3.99
Airline Financial C.U. 4
2.99 3.25 3.29 3.09 6.25op
3.49
Comtech Credit Union 2.79
6.6 8.40op
2.99 3.25 3.29 3.19 9.00op
3.29
First National Fin. LP
3.95
OTHER FINANCIAL INSTITUTIONS
3.15
3.09
FirstOntario C.U. 2.79 6.34op
3.09 3.19 3.24 3.29 6.34op
3.24
London Life n/a
3.1 3.14 3.7 4.64 6.30op
5.24
MCAP 2.9
3.6 3.95 4.35 4.89 7.00op
5.24
Meridian Credit Union 2.85 4.45
3.1 3.14 3.7 3.4 6.30op
3.28
Parama Credit Union
2.9
3.1
3.15
3.15
3.25
3.5
Steinbach Credit Union
2.5
2.5
2.6
2.8
2.9
3.1
3.19 6.50op
3.35
3.65
3.39
3.49
Teachers Credit Union 4
4 6.50op
4.45 6.30op
2.74
2.69
2.89
Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Dec. 17, 2012. Prepared By Fiscal Agents Financial Information Services 905.844.7700
90 New home guide GTA | january 5 - 19, 2013
National Homes Markham – Wismer Woods Now open in Markham – luxury detached homes from $679,900. nationalhomes.com
hot sheet GTA
BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home Guide!
new openings Caliber Homes, Canvas Dev., Mosaik Homes, SkyHomes, Monarch Kleinburg – Kleinburg Crown Estates Now open – a community of luxury homes in Kleinburg on 42-, 50-, 60- and 70-ft. lots. kleinburgcrown.com
Fieldgate Homes Brampton – Valleylands of the Credit River Grand opening – stunning collection of 38-, 41, 50-, 60- and 70-ft. singles near the Mississauga boundary. fieldgatehomes.com
Ballantry Homes Markham – Cornell Markham Phase 5 now open – townhomes, semis and singles in the heart of Markham. ballantryhomes.com
Aspen Ridge/CountryWide Homes Kleinburg – Kleinburg Hills Grand opening of single family homes on 40- and 50-ft. lots near Hwy. 27 and Major Mackenzie Dr. kleinburghills.com
Menkes North York – Bloom Park Towns Coming soon – townhomes at Bathurst St. and Finch Ave. menkes.com Wycliffe Homes Woodbridge – Fairground in Old Woodbridge Village Urban town lofts at the Fairground in Old Woodbridge Village. fairgroundlofts.ca Geranium Homes Stouffville – Cardinal Point Grand opening of two new two-storey model homes in this master-planned ravine community. geraniumhomes.com Mattamy Homes Brampton – Mount Pleasant North Now open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots. mattamyhomes.com
Aspen Ridge/Regal Crest CountryWide Brampton – Credit Manor Grand opening of Phase 2 continues – towns and singles, only minutes from Hwys. 401 and 407. yourkingdom.ca Aspen Ridge/CountryWide /Rosehaven Homes Nobleton – King Country Estates Final release on now of court and conservation lots in an exquisite community of majestic homes. kingcountry.ca Fieldgate/Madison/ Arista/Forest Hill Homes Richmond Hill – Jefferson Forest The wait is over – freehold townhomes and detached singles on crescents and cul-de-sacs in a ravine setting. iloveforest.ca Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designerfurnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com Empire Communities Binbrook – Summerlea Grand opening of 30-ft.-wide semis with two-car parking in an established, mature community. empirecommunities.com
Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com
National Homes Toronto – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca
Brookfield Homes Mono – Fieldstone Located near Orangeville, just north of Caledon, single-family homes on 60- and 70-ft. homesites. myfieldstone.ca
new RELEASES Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41and 45-ft. lots. lovemountpleasant.com Dunsire Developments Kitchener – Mill Creek Village Grand opening on now – one-, two- and threebedroom townhome designs. millcreekvillage.ca Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages. Eight models now open. cornellrouge.com H&R Developments Toronto – Westown New release of only 25 affordable condo suites from 649 sq. ft. in a prime neighbourhood. hr-newhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca
Decade Homes Toronto – Yorkdale Village Grand opening of one- and two-storey townhome close to subway, Yorkdale Shopping Centre and Hwy. 401. yorkdalevillage.com
Madison Homes Markham – Greensborough Final phase release of freehold towns, semis and detached homes on 35- and 41-ft. lots. madisonhomes.ca Lakeview Homes Shelburne – Greenbrook Village Phase 2 now open – 40-ft. homes in Shelburne. greenbrookvillage.ca Primont Homes Brampton – Castlemore Now open – prime towns, semis and singles in a ravine setting. primonthomes.com Great Gulf Homes Oshawa – Stonecrest Last chance to purchase semis and 30-ft. singles. greatgulf.com
Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands.
Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com
Menkes Georgetown – The Enclaves of Upper Canada Coming soon – Semi-Links and detached homes in Georgetown. menkes.com
CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca
ballantryhomes.com
Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net
Primont Homes Brampton – Centretown Now open – townhome and single designs.
Fieldgate Homes Vaughan – Vaughan Valley Estates New release – selection of 41- and 50-ft. luxury singles on traditional lots. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com
primonthomes.com
january 5 - 19, 2013 | New home guide GTA 91
homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.
92 New home guide GTA | january 5 - 19, 2013
hot sheet GTA
BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home Guide!
preview registration CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Brookfield Homes & Jeffery Homes Bowmanville West – Brook Hill Buy now and save on pre-construction pricing in this master-planned community of singles, semis and townhomes in Bowmanville West. brook-hill.ca Mosaik Homes Brampton – Castlemore Crossing & The Estates Of Credit Ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com
Mattamy Homes Milton – Hawthorne Village On The Escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.com Madison Homes Richmond Hill – Jefferson Forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca Great Gulf Brampton – Mount Pleasant Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com CountryWide Homes Kleinburg – Kleinburg Hills Coming in spring – new community of luxury detached homes. kleinburghills.com Brookfield Homes Tottenham – Willow Glen Coming soon – register now for these singles from the $300’s. brookfieldhomes.ca Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Coming soon – register now for this platinum collection of heritage estate homes. rosehavenhomes.com Monarch Corporation Kleinburg – Kleinburg Crown Estates Coming this fall – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27 Register today! monarchgroup.net Treasure Hill Homes Richmond Hill – Urbantowns at Bayview Coming soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehills.com
Monarch Corporation Markham – Nichols Manor Estates A limited collection of 70-ft. estate homes coming this fall. Register now! monarchgroup.net
Treasure Hill Homes Vaughan – Thornhill Woods Grand opening – 36- and 40-ft. singles at Dufferin St. and Rutherford Rd. treasurehills.com
Acorn Homes Richmond Hill – Oak Knoll Unveiling soon – distinctive 28- and 38-ft. single-detached homes backing onto nature. acornhomes.ca
Highcastle/Delpark/Esquire Bowmanville – Northglen Pre-construction pricing on bungalows, singles, towns and semis. northglen.ca
Averton Homes Mount Albert – Victoria Highlands Preview opening for this community of bungalows and two-storey homes. victoriahighlands.com North Star Homes Cookstown – Millfair Village Coming soon – luxury 50- and 60-ft. singles in the heart of Cookstown. mymillfair.com Countrywide/Greenpark/Royalcliff/ Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Register now for this master-planned community right next door to the Nottawasaga Resort. treetopslife.ca Lebovic Homes Pickering – Lebovic Homes Grand opening of large luxurious freehold townhomes, semis and detached homes. lebovichomes.ca Yorkwood Homes Richmond Hill – Hillside Manors Now previewing – luxury town manors, with greenbelt lots available. hillsidemanors.ca Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs. Discover a lifestyle infused with nature. Register now! monarchgroup.net Glen Rouge Homes Ajax – The Cornerstone Coming in September – only 16 detached homes on 42-, 45- and 50-ft. lots from the $500’s. glenrougehomes.com Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com Brookfield Homes Oshawa – Hills of Harrowsmith Coming soon – two-storey designs on 30- and 36-ft. lots . brookfieldhomes.ca
january 5 - 19, 2013 | New home guide GTA 93
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january 5 - 19, 2013 | New home guide GTA 95
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 advise homebuyers to practice smart borrowing – everything from putting down a larger by Wayne Karl 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. rate over 10 years, for You’re focused on saving a down payment, But just as important is to low example, that gives you the getting your finances in order, searching also spend as much time as 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. 96 New home guide GTA | january 5 - 19, 2013
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MONARCHGROUP.NET Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes finished space in lower level. E.&O.E. January 2013. 20104
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MONARCHGROUP.NET Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes finished space in lower level. E.&O.E. January 2013. 20104
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Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.