GTA New Home Guide - December 8, 2012

4-week issue Dec 8, 2012 - Jan 5, 2013 Volume 20 Issue 25

inside this issue

INDUSTRY RAISES $30K FOR HABITAT FOR HUMANITY

‘MARKET CORRECTION’ MUCH ADO ABOUT NOTHING

TOP FINANCIAL TIPS FOR 2013

Follow us on:

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

Distinctive. Dynamic.

Unlike any other.

Stay ahead of the curve with Moto at Kettle Lakes Club. Moto is a revolutionary new community capturing the very best of urban downtown design, integrated gracefully into the natural beauty of the Oak Ridges Moraine. If you love the sleek beauty and clean lines of modern design and have been longing for a non-traditional approach to a townhome community, Kettle Lakes Club is precisely what you’re looking for. Discover urban perfection today.

Make your move at

aspenridgehomes.com

Modern Executive Townhomes starting from the mid $500’s.

Presentation Centre Bayview and Bethesda Sideroad Richmond Hill 289.231.2849

Sales Office Hours: Monday – Thursday 1pm – 8pm, Friday Closed, Saturday – Sunday 11am – 6pm

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

647.921.0381

905.554.3446

905.558.0255

905.216.5155

15TH SIDEROAD

QUEEN ST.

KING VAUGHAN ROAD

HWY 7

9TH LINE

NORTH

:(3,: 6--0*, 46+,3 /64,:

KING ROAD ZENWAY HWY 7

SIXTEENTH AVE.

HWY 407

HWY 407

CORNELL PARK AVE. HWY 7

Make your move at aspenridgehomes.com

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 dec 8, 2012 - jan 5, 2013

||

volume 20 issue 25

cover story

p. 32

highcastle, esquire, delpark Northglen in Bowmanville – something for everyone in this ideal new community

18

24

community focus features 18 brampton Tribute Communities

Attention first-time buyers: Landscapes offers great selection and value

24 markham Fieldgate Homes

Grand opening at Victoria Manor – new release of stunning 40-ft. homes

60

64

60 brampton Mattamy Homes

invites you to live in Brampton sooner and save thousands

64 brampton Primont Homes

Grand opening continues at Centretown in Brampton’s Mount Pleasant Village

84

36 50

28

regular and special features in every issue

4 editor’s note 10 contributors 50 hot dates 110 ad index

34 Legally Speaking

The law of good faith (or lack thereof)

by Jayson Schwarz

44

columnists

16

BILD Report

Leaders who make a difference

by Bryan Tuckey

28 the mortgage minute What’s all the fuss about a ‘market correction’?

by Peter Kinch

taxing issues

Calculating capital gains tax

by Henry Choo Chong

84

money matters

Holiday shopping – without the hangover

by Gail Vaz-Oxlade

120 fundamentally speaking

Long-term view of your home produces a brighter picture

by Wayne Karl

In the news

36 bild

BILD raises $30,000 for Habitat for Humanity

42 reMax

Moderation the key word for Canadian housing markets in 2013

homebuyers’ help

40 10 minutes with...

Gary Benksy, president of Wycliffe Homes 46 finances Canadians resolve to better manage their finances in 2013

78 finances

Canadians plan to save and budget this holiday season 88 finances 13 essential taxplanning tips 96 finances End of year tax tips 103 r esource section Mortgage Calculator and Rate Table 107 GTA Hot Sheet Two pages of new openings, new releases and preview registrations

editor’snote

Review your contract

Know what you’re signing for – beforehand

H

ome-shoppers may not realize that the contract for a new home is different from the traditional resale version.

Since a new home is not always built when the contract is drawn up, it’s often based on the lot and a model that you, the buyer, have selected. Builders often offer several versions of one model and different variations on the exterior appearance as well, so be sure to verify that your contract describes the right home and the elevation type and floorplan specifications you want.

The lot and orientation of the home are also important to verify, since a builder may assign certain models to specific lots in order to create an attractive streetscape. This may result in a reverse floorplan to fit into the overall community design, which means the entire home will be reversed when compared to the floorplan you reviewed. Check with your builder if this is the case with the home you are considering if you are concerned about this being a possibility. Some people don’t mind, while others do.

A good sales representative will review your specific home and contract with you, and a proper new-home contract will include all of these details. Since contract agreements differ from builder to builder, be sure that all is in order by having your contract reviewed by a real estate lawyer to make sure all the details are documented properly and accurately.

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

Here’s to 2013

Next year looks stable, if somewhat challenged, all things considered

I

t’s certainly been an interesting year, 2012. As I write this, the U.S. economic expansion continues gradually, Europe remains in recession, growth in China is stabilizing and the Bank of Canada has once again held its overnight lending rate at one per cent. And somehow, despite it all, the Canadian economy and housing market continue to hold their own, albeit somewhat tenuously in some areas more than others.

RBC Economics Research says homeownership affordability improved in many markets in the third quarter of this year, and Canada Mortgage and Housing Corp. forecasts that 2013 will be a year of moderation in some areas, continuing growth in others. Most importantly, Canada’s economic fundamentals remain strong and supportive of housing demand.

Indeed, against the backdrop of what’s going on elsewhere in the world, Canada’s performance in 2012 is worth celebrating. Not that our industries and housing market are immune from international developments – in fact, far from it.

But with smart fiscal policy and prudent lending practices – and awareness of key market fundamentals by Canadian homebuyers – here’s to more of the same in 2013.

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

4 New home guide GTA | dec 8, 2012 - jan 5, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

BRAMPTON

MARKHAM

NEW RELEASE

PHASE 5 NOW OPEN

Semi-Detached and Detached Homes surrounded by valley lands

Stunning Townhomes, Semi’s & Singles in the heart of Markham

905-294-0221

905-457-3698 DETACHED

TOWNHOMES & SEMI’S

500’s SEMI DETACHED $370’s

STARTING FROM THE LOW

$

FROM THE HIGH FROM THE LOW

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300’s $500’s $

us six fabulo furnished

MODEL HOMES

COMING SOON

A collection of Urban Townhomes and Mid Rise Condominiums coming soon to Oakville ®

AVID RATINGS

CANADA

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es

Ballantry Hom

recipient of the ARD BENCHMARK AW ID AV 2012 CUSTOMER TOP 25% FOR TIONWIDE EXPERIENCE NA

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

Visit us at menkes.com 905.825.3619

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.

Coming Soon HUMBER MEWS

DWELL CITY TOWNS

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

mattamyhomes.com

Save Right Now On Early Move-In Detached Homes And Townhomes.

Enjoy Our Open Designs With Family And Friends

Right now you can enjoy big savings on selected early move-in homes in most Mattamy neighbourhoods. You also get the added advantage of moving in early so you can enjoy your new home and community sooner. This is a limited time savings opportunity.

Today You Can Enjoy Huge Savings On Select Detached Homes And Townhomes!

For Details On Our Select Early Move-In Opportunities, Visit: www.mattamyhomes.com All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

B R AM PT O N

Save $25,000 On Select Detached Homes & $8,000 On Select Townhomes Right Now!

Save Up To $25,000 On Select Detached Homes & $8,000 On Select Townhomes Right Now!

30' Home, Plan 4, Elev. ‘D’, 1,597 Sq.Ft., $424,990 Now $399,990

45' WideLot™, Plan 4, Elev. ‘B’, 3,000 Sq.Ft., $569,990 Now $544,990

Townhomes From $286,990 • Detached Homes From $374,990

Bovaird Dr./Hwy.7

Sales Office

McLaughlin Rd. S.

B RA M P T ON

Townhomes From $309,990 • Detached Homes From $364,990

Steeles Ave.

Bovaird Dr./Hwy.7

M A R KH A M

PI C K E R I NG

Save $20,000 Today On Select Detached Homes!

Save $20,000 On Select Townhomes & Urban Walk-Ups Right Now!

These Select Homes Include Granite Kitchen Countertops & Hardwood On Main Floor.

Elev. ‘A’

36' Home, The Fullwell, Elev. ‘C’, 2,701 Sq.Ft., $655,990 Now $635,990

HWY 407

Urban Walk-Ups From $224,990 • Townhomes From $274,990

Hwy 407

Hwy 7

Taunton Road

Brock Road

Sales Centre

Cornell Centre Blvd.

HWY 7

9th Line

16th Ave. Markham Rd.

Townhomes From $392,990 • Detached Homes From $597,990

Urban Townhome, Plan 1, Elev. ‘A’, 1,342 Sq.Ft., $294,990 Now $274,990

Sales Centre Kingston Road

1

Hwy 40

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

vice-president, wall2wall Media

Jacqueline Hill

Sales Manager New Home guide GTA, new condo guide, home décor & renovations

Conni Robinson

New home guide

contributors

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

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 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

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.

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867

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

money matters

Gail Vaz-Oxlade Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com.

Follow Gail on Twitter at twitter. com/GailVazOxlade

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 2012 All rights reserved by New Home Guide,

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

Terms Advertisers,

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

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

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.

10 New home guide GTA | dec 8, 2012 - jan 5, 2013

Markham

NEW RELEASE Tour our

8

Professio ally decoratn ed models

DON’T MISS OUT! Discover why over 800 families have made Cornell Rouge their new-home community of choice.

400's

$

from the mid

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Cornell Cen tre Blvd.

Freehold Townhomes featuring

2 master bedrooms - each with a Semi-Ensuite

Semis and Singles on 30’, 36’ & 40’ lots with attached garages

500's

$

from the low

From 2,004 Sq.ft.

905-472-9556

Sales office located at the S/E corner of Cornell Centre Boulevard and 16th Ave.

Open Monday to Thursday from 1 to 8 p.m.; Friday by appointment only; Weekends and Holidays from 11 a.m. to 6 p.m.

Renderings are artist’s concept.* Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

11

12 New home guide GTA | dec 8, 2012 - jan 5, 2013

dec 8, 2012 - jan 5, 2013 | New home guide GTA 13

YOUR FINAL OPPORTUNITY

PHASE 3 GRAND OPENING

CANADA'S FINEST ARCHITECTURE

AWARD WINNING

6 M DELS PRESTIGIOUS COMMUNITY

2 GREAT BUILDERS DESIGN INNOVATION & ARCHITECTURAL CONTROL

OVER 500 FAMILIES

Over 50 years of Excellence 14

905-303-1929

905-303-4728

Over 500 families have found the perfect home at Vaughan Valley Estates. With our third and final phase, we are proud to present some of our finest lots and new home designs yet, in streetscapes that are second to none. With superb finishes and old world craftsmanship. And truly extraordinary value, all from two of the GTA’s top builders.

41', 50', 60' and 80' Singles starting from

769,990

$

SNAP TO IT! Snap a photo of this barcode with your web-enabled smart phone to view a short YouTube video.

Get the free app for your phone at http://gettag.mobi

Sales Centre North of Major MacKenzie Dr. on Weston Rd. HOURS: MON. - THURS. 1pm - 8pm., SAT., SUN. & HOL. 11am - 6pm • CLOSED FRIDAYS MODEL HOMES TOUR HOURS: MON. - THURS. 4pm - 8pm., WEEKENDS 11am - 6pm CLOSED FRIDAYS Finishes vary by model type. Prices and specifications subject to change without notice. E. & O. E.

15

bildreport

Leaders

who make a difference

by 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).

making it successful for the second year this past September.

Paul will often say that one of our proudest achievements is our community partnership with Habitat for Humanity Toronto.

Since 2003, this industry has raised more than $535,000 for Habitat and has helped eight families end the cycle of poverty and move into a brand new home. We are very proud of our partnership because we’re both in the same business of providing shelter and we are both important advocates of affordable homeownership.

In addition to celebrating Paul at this “Never believe that a few caring people can’t change year’s Party for Humanity, I took the opthe world. For, indeed, that’s all who ever have.” This quote from cul- portunity to thank Habitat’s CEO Neil tural anthropologist Margaret Mead rang true at an industry gathering Hetherington for his passion, partnership we hosted recently, where we honoured two leaders who have made a and commitment to the Habitat cause. huge difference in the lives of many.

Neil announced earlier in the week that At our event, Party for Humanity, we celebrated BILD Chairman he would be leaving Toronto to accept a Paul Golini, who stepped into the volunteer position two years ago and position with Habitat for Humanity in throughout his term has shown unwavering commitment and dedication New York City. While we are sad to see to the Association and the industry. him go, we know he will do great work In a few weeks, Paul will give a state-of-the-Association speech at south of the border and that he is really our annual general meeting and it will be his last official duty as Chair- needed there right now. man. In addition to providing leadership to the board of directors over Giving back is important to our industhe last two years, Paul has been at the table for tough public policy try, and we have leaders who inspire us discussions and he has been the voice of to do more every year. This the building, land development and profesyear, BILD members have Giving back is important sional renovation industry, as well as the gone above and beyond exto our industry, and we future residents of the GTA. pectations, volunteering have leaders who inspire us their time and fundraising At the start of Paul’s term, he set out to celebrate our industry’s successes. He in support of Habitat. The to do more every year. has helped to share our story on numerparty alone raised more This year, BILD members ous television and radio programs and in than $30,000 for our comhave gone above and countless print publications. Among his munity partner and the ocbeyond expectations, many contributions to the Association, casion gave us an opportuvolunteering their time and nity to pause and say thanks.

Paul was a driving force behind our fundraising in support newest fundraiser, Stephen’s Ride for That is something we can Humanity and he was instrumental in all be proud of. of Habitat 16 New home guide GTA | dec 8, 2012 - jan 5, 2013

communityfocus

tribute communities

Landscapes

ATTENTION FIRST-TIME BUYERS Landscapes offers

a great selection and incredible value at this well located Brampton community location Brampton housing type Master-planned community of twoand three-storey townhomes, semidetached and fully detached homes contact mytribute.ca

W

hen it’s time to create exceptional homes and neighbourhoods, Tribute Communities knows the recipe for success. Tribute put this recipe to good use when creating its latest offering of family-sized homes in Brampton, Landscapes in Sandringham Community. Located on Countryside Drive, just west of Dixie Road adjacent to the rich natural beauty of the Heart Lake Conservation Area, yet minutes from schools, Hwy. 410, and all the conveniences of Brampton, Landscapes offers the best of all worlds.

Landscapes is a complete master-planned community, offering a wide variety of two- and three-storey townhomes, semi-detached and fully detached homes. Starting from only $361,990, homes will be built with distinctive Georgian, Colonial or Tudor exteriors and will feature impressive C O N T I N U E D on p a g e 2 0 . . .

18 New home guide GTA | dec 8, 2012 - jan 5, 2013

19

communityfocus |

CONTINUED

elevations of clay brick, with stone or precast concrete accents. The interiors are just as beautiful – popular features such as nine-ft. ceilings and imported ceramic tiles are accentuated by the stunning design options from Tribute’s Décor Studio. Inside and out, these homes reflect the contemporary style and high quality of construction that’s made Tribute Communities one of the most well regarded home builders in the GTA. Making this community even more appealing, Tribute has recently added an exciting promotion for the semi-detached homes at Landscapes. This promotion includes central air conditioning, oak stairs, hardwood flooring on the main floor, a gas fireplace and six appliances. Perfect for the first-time buyer, these semis are priced from just $398,990 and homebuyers will have the opportunity to move in before the end of 2013.

While there’s no doubt that the team at Tribute Communities is committed to building high quality homes, what really sets them apart is their commitment to 20 New home guide GTA | dec 8, 2012 - jan 5, 2013

building vibrant, living neighbourhoods. Landscapes honours this commitment to the fullest – the many stunning home designs create pleasing, unforgettable streetscapes and a park and elementary school will be built right in the community.

The surrounding area also offers a wealth of wonderful amenities.

Shopping malls, golf courses, restaurants and movie theatres can all be found within a five-minute drive. Those looking for a more nature-themed outing will love the neighbouring Heart Lake Conservation Area. This unique gem is centred on a pristine kettle lake that is surrounded by dense, mature forest. Great for family outings, Heart Lake offers swimming, canoeing, more than eight kilometres of hiking trails, picnic facilities and much more.

Since it was established more than 30 years ago, Tribute Communities has built more than 30,000 homes across the GTA. Tribute has reached this milestone by providing consumers with exceptional homes and communities adorned with unforgettable features and finishes and constructed using the finest possible materials. Tribute’s firm belief in great customer service has helped the company garner some of the industry’s most prestigious awards for customer satisfaction. These accolades have come from highly regarded organizations such as the Tarion Warranty Corp. and JD Power and Associates. The centrepiece of Tribute’s customer service is its Total Service Policy, which includes 24-hour service response.

For more information on Landscapes and other Tribute communities, visit mytribute.ca

In the Heart of Unionville FINAL PHASE 1E RELEAS

TH

E

BR

ID

LE

W AL

KE NN

ED Y

RD

.

K

16TH AVE.

A Great Place to Move Up To Over 700 families have chosen Upper Unionville since it was launched earlier this year.

Located at Kennedy Road and 16th Avenue, Upper Unionville is just a short stroll from charming Main Street Unionville with its chic boutiques, bistros and coffee shops. All minutes from schools, parks, golf courses and all the amenities, with easy access to all of Markham’s major thoroughfares.

With constru ction now underway , the FINAL SELEC TION OF PHASE 1 Towns, Semis and Si ngles are now available !

COME, SEE THEM FOR YOURSELF…AND DISCOVER WHY UPPER UNIONVILLE IS SUCH A SUCCESS! Towns

starting from the

Semis

starting from the low

Singles

starting from the upper

500’s $600’s $600’s

$

VISIT US TODAY and ask about our GREAT BONUS PACKAGE! Saturday, Sunday & Holidays, 11am - 6pm Monday to Thursday, 1pm - 8pm Closed Fridays

MyUpperUnionville.com Over 50 years of Excellence

905-534-1564

905-477-6464

905-477-0317

Prices and specifications are subject to change without notice. E. & O. E. Renderings are artists’ concept.

905-534-0493 21

HAPPY HOLIDAYS! THIS HOLIDAY, GIVE FROM THE HEART

As the holiday season approaches, why not consider a donation to The Mikey Network, in lieu of a traditional gift? Let’s all help those who suffer sudden cardiac arrest have a second chance at life!

We would be happy to send a card to your friends and family informing them of your donation on their behalf.

Now is the perfect time to make a donation to The Mikey Network. All donations are tax-deductible.

Your contribution will be greatly appreciated. More importantly, your donation will be put towards placing a MIKEY defibrillator, with the potential to save lives now and in the years to come.

Visit The Mikey Network’s website to donate today.

TO DONATE

mikeynetwork.com Please give from the heart and know that you can make a real difference this holiday season.

Thank you in advance for your generosity!

SCAN HERE 22 New home guide GTA | dec 8, 2012 - jan 5, 2013

Charity No.87249 2004 RR0001

WELCOME TO A P L AC E C A L L E D

HOME S TA R H O M E B U I L D E R

MISSISSAUGA - Beautiful homes in an established neighbourhood FREEHOLD TOWNS • SEMIS *

Eglinton Ave. West

UP TO $6,000 IN FREE UPGRADES*

Hwy. 403

Highway 410

BRAMPTON - Country living with all the amenities you need at your doorstep 38’ & 47’ SINGLES

Dewside Dr.

519,900

$

from

Winston Churchill Blvd.

Ninth Line

529,900

$

from

Brittannia Rd. West Thomas St.

Tenth Line

5

YO U R

*

UP TO $10,000 IN FREE UPGRADES*

UP TO $12,500 IN FREE UPGRADES*

P L A C E

T O

M O V E

U P

T O

BRAND NEW RELEASE

STOUFFVILLE - A great location, offering the best value in the GTA 30’ • 36’ • 40’ SINGLES 900* from 472 , $

Highway 50

Gore Rd.

Mccowan Rd.

Kennedy Rd.

Highway 7

Warden Ave.

16th Ave.

Highway 407

10th Line

G R E A T

Major Mackenzie Dr.

Bloomington Rd. Stouffville Rd.

Main St. 10th Line

A

*

Elgin Mills Rd.

Woodbine Ave.

553,880

$

from

Hwy. 407

Highway 404

UNIONVILLE - The perfect place that complements the way you want to live TOWNS • SEMIS • SINGLES

SALES CENTRE

Hwy. 7

Mantle Ave.

19th Ave.

UP TO $7,500 IN FREE UPGRADES* INCLUDES 4 FREE APPLIANCES FOR THE CAPRI SERIES

Reesor Rd.

*

Castlemore Rd. MacVean Dr.

549,900

$

from

Countryside Dr.

Goreway Dr.

BRAMPTON - New Release of lots in a highly desirable neighbourhood 38’, 47’ & 50’ SINGLES

SALES CENTRE HOURS: Monday - Thursday: 1 pm - 8 pm • Friday: Closed • Saturday, Sunday & Holidays: 11am - 6pm

starlanehomes.com /starlanehomes

/starlanehomes

*Limited quantities available to qualified purchasers. Prices & information correct at press time. Maps not to scale. Lots may have premiums. All illustrations reflect artist impression E.O. & E. Ask a sales rep. for details.

23

communityfocus

fieldgate homes

Victoria Manor

GRAND OPENING AT VICTORIA MANOR New release of stunning 40-ft. homes

in this exclusive Markham community

F

ieldgate Homes is proud to announce the Grand Opening for a new release of luxurious 40-ft. homes in Markham’s prestigious Victoria Manor community. Located at Woodbine Avenue and Major Mack-

location Markham housing type Luxurious 40-ft. homes sales office 6 Alexander Lawrie Ave. contact 905.294.3125 fieldgatehomes.com

24 New home guide GTA | dec 8, 2012 - jan 5, 2013

enzie Drive, Victoria Manor offers brick offer features such as double-car luxurious family homes in a pristine garages, covered porches and large, natural setting. A place of rich natural inviting windows. Interiors at Victoria splendour, this community is majesti- Manor are a celebration of space and cally set against a backdrop of rolling luxury, with gourmet kitchens, lavish green hills and quiet country woodlots. master suites, upstairs laundry rooms The perfect balance of town and and more. country, Victoria Manor also offers a This collection of homes also inmultitude of exceptional community cludes – at no additional charge – a amenities – such as shopping, schools, number of exclusive luxury features, parks and restaurants – just minutes such as main floor hardwood flooring, away. With inspired luxury homes, a oak stairs, nine-ft. main floor ceilings, beautiful natural setting and one of gas fireplace with marble surround, the most convenient locations in granite kitchen counters, ceramic tile Markham, there’s a lot to discover at backsplash in kitchen and an elegant Victoria Manor. master ensuite with oval tub and The homes at Victoria Manor offer separate shower with glass door. generous floorplans and spectacular While most of these features would elevations that are sure to impress even be considered bonuses or costly the most discerning homebuyer. Front elevations of stone, brick and accent C O N T I N U E D on p a g e 2 6 . . .

dec 8, 2012 - jan 5, 2013 | New home guide GTA 25

communityfocus |

CONTINUED

The homes at Victoria Manor offer generous floorplans and spectacular elevations that are sure to impress even the most discerning homebuyer

ground for holiday feasts, family dinners and weekday breakfasts alike.

Located off the kitchen are a cosy library with optional French door and a large family room with gas fireplace. Upstairs, the lavish master suite offers the perfect retreat at the end of a busy day. Dazzling features such as a large walk-in closet and a sumptuous master ensuite – complete with his and hers sinks and a separate oval tub and glass shower – make it easy to unwind in style.

The master suite also offers the option of a private master retreat but, if the homebuyer would prefer, this space can also be converted into a fifth bedroom or a den, both accessible from the main hallway. Bedroom two has its own ensuite, and bedrooms three and four share an ensuite. Homebuyers will also be pleased to discover a conveniently located upstairs laundry room just down the hall from the master suite. The Wessex Elevation C is priced from the low $900’s.

add-ons at other communities, Fieldgate is proud to offer all of these features standard at Victoria Manor.

Plus, homebuyers will receive an additional $8,000 in upgrade selections from the Fieldgate Décor Centre, also included in the price of the home. With homes ranging in size from 2,818 to 3,228 sq. ft. and prices starting from the low $900’s, potential homebuyers can discover great value and exceptional luxury at Victoria Manor.

One of this community’s most impressive models is the 3,025-sq.-ft., double-car garage, four-bedroom Wessex Elevation C. This beautiful home offers a stately front elevation of brick and stone, featuring a charming covered front porch. Inside, the foyer opens into a spacious openconcept living/dinging room. Beyond the living/dining To learn more about the luxurious homes of Victoria Manor, room, a short hallway transitions seamlessly into the enor- please visit the sales centre today at 6 Alexander Lawrie mous gourmet kitchen. Featuring granite kitchen coun- Ave., just north of 16th Ave., one block east of McCowan tertops, a large breakfast bar, a pantry and a garden door Rd. You can also call for more information at 905.294.3125 out to the backyard, this kitchen offers the perfect staging or visit Fieldgate online at fieldgatehomes.com 26 New home guide GTA | dec 8, 2012 - jan 5, 2013

From your very first impression and for generations to come, a Rosehaven home is designed to be superbly built, welcoming and warm.

So choose Rosehaven and every time you step through the front door, you’ll say, I am happy, I am comfortable…

™

Chippawa / NiaGaRa

thoRold - New detaChed Release!

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new 35’ Bungalow Loft Towns & 50’ singles from the low $300’s.

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Towns, semis & attached singles from the $240’s.

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Luxury stone, stucco & brick detached homes on 45’ & 36’ lots with 4 models from the $370’s.

Garner Rd. E. & Raymond Rd. East of Hwy. 6

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Detached homes on 30’, 38’, and 41’ lots On Mississauga Rd., North of Bovaird Rd.

Homes of Distinction from $1.3m to over $1.8m kleinburgHeritageestates.com Hwy 27, North of Nashville Rd.

elegantly appointed detached homes on 63’, 56’ & 50’ lots from the $810’s.

Hwy 27 & Park Heights Tr., North of King Rd.

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20

CONNECT

Celebrating

Rosehaven Homes @ThisIsRosehaven

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for mortgage P & I and Kleinburg pricing.

YEARS

Call the Rosehaven Hotline for hours and community information

(1-888 / 416) 410-0175 rosehavenhomes.com gPs coordinates for sales office/model Home location Actual photo from Rosehaven’s windfields design in king Country estates.

dec 8, 2012 - jan 5, 2013 | New home guide GTA 27

themortgageminute

What’s all the fuss about a

‘ market correction’? by peter kinch

Pick up any newspaper today and no one

could blame you if you got a little worried about the state of the economy or the fear of a pending market correction in Canadian real estate. What if Greece defaults? What about the “fiscal cliff” in the US? Are Canadians taking on too much debt? Have mortgage rules gone too far? Is there a housing bubble about to burst? What if there is a market correction?

The real question is, do Canadian homeowners or prospective buyers need to be concerned? Every time there is talk about a market correction in Canadian real estate, the tone is quite negative. But let’s take a closer look at that situation: rather than argue about whether we may have a market correction, let’s analyze what it really means to Canadians if there is one.

First-time homebuyers: If you’re a first-time homebuyer, you have likely felt the pinch of the rising cost of housing, and the new mortgage rules certainly haven’t helped any either. So a slight market correction would be welcome news for you; you can still get into homeownership with only five per cent down, but since your maximum amortization is now limited to only 25 years, a drop in pricing is exactly what you’ll need to be able to get into this market.

Conclusion: A market correction is a good thing for you.

your house so you can buy another, you may be concerned that the price of your current home is dropping.

But let’s take a closer look at that: assume the value of the house you are selling drops by 10 per cent. Let’s also assume that you plan to buy another home (whether upsizing or downsizing). The key to remember in a downturn market is that the person selling their home to you is going through the exact same thing. In other words, if the value of your home dropped 10 per cent, so too did the value of the new home you are buying. Focus on what your bottom line “net” is, rather than what you thought or had hoped to sell your home for.

Conclusion: in most cases, the net effect of a market correction is zero.

Current homeowner buying or selling – moving up or downsizing: It is very rare that someone buys something without selling something first, and vice versa. If you are a homeowner and you’re looking for the right time to sell

Real estate investor or second-home buyer: If you are buying real estate as an investment either for cash flow or as a second home, then this is the perfect market condition for you. When there are more

28 New home guide GTA | dec 8, 2012 - jan 5, 2013

our home equity and net worth. Over the last decade, a significant amount of the net worth of Canadians has been tied up in their home equity, and this has provided the foundation for a lot of retirement plans – so there is obvious concern.

But should there be? Again, let’s look at the facts. For the majority of Canadians, the plan is to stay in their current house for at least the next three to five years. So here’s a simple fact: equity is only gained or lost the day you sell. In other words, if the value of your house were to drop by 10 per cent tomorrow, you may feel anxiety over the drop in your net worth – but it would only be on paper unless you actually sold your house tomorrow.

If you have no intention of selling soon and you can still afford your monthly payments, then all you need to do is sit and wait and go about your normal life until the market bounces back – which it has always done for the past 100 years.

Conclusion: a market correction may very well have zero impact on you.

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to

In the end, the headlines will continue to talk of impending market corrections. The key for you is to decipher one of three things: 1. Is this a real concern for you?

2. Is this an opportunity? Or, 3. A m I just getting worked up about nothing?

Bottom line: a lot of people will fret about this topic over the water cooler tomorrow morning – but the majority of them really don’t need to.

Until next time, this is the Mortgage Minute.

sellers than buyers, you have more bargaining power.

If you are able to negotiate a better deal and pay a little less for the property you are looking for, it simply makes the deal that much more affordable.

Conclusion: you should be hoping for a market correction.

Current homeowner with no plans to sell: The majority of Canadians fall into this category, and let’s be honest – the single biggest reason we worry about a housing correction is the fear that it will erode

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

dec 8, 2012 - jan 5, 2013 | New home guide GTA 29

For online bookings go to www.plaza-network.com/booking/FlightInfo.aspx?ECONREF=W2W2012

coverstory

Northglen in Bowmanville There’s something for everyone in this ideal new community

C

onstruction is set to begin play park, village square excites more at Northglen, Bowman- than just the kids, every time.” ville’s new ideal in a new The concept of Northglen was home community. brought to life by the alliance of three “That sales have been brisk at exceptional builders, Highcastle, EsNorthglen is an understatement,” says quire and Delpark Homes. These fine Joseph D’addio of Intercity Realty. “Our trusted builders enjoy an outstanding homebuyers are very excited and love reputation in the east and the west to explore the community site plan GTA and they are proud to be building where they can really picture them- this unique community in the charmselves enjoying an extraordinary life- ing, vital town of Bowmanville. style. The purchase of a new home can Northglen residents will love be stressful, but our Northglen families living in this community with it’s say that choosing a new home here was inspiring tapestry of charming fama breeze with all the abundant design ily homes woven into wooded areas, choices, features, special bonuses and parks, trails and pathways. The comgreat prices. When new visitors arrive munity, when complete will feature at our presentation centre, the wow its very own village square with outfactor of the splash park, soccer park, standing public spaces surrounding

32 New home guide GTA | dec 8, 2012 - jan 5, 2013

location Bowmanville housing type Townhomes, town links, semis, detached links, bungalows and two-storey homes sales centre On Regional Rd. 57 just north of Concession Rd. 3, open Monday to Thursday 1 to 7 p.m., Saturday, Sunday and holidays 11 a.m. to 5 p.m. contact 905.419.7222 | northglen.ca

HIGHCASTLE, ESQUIRE & DELPARK

Northglen

the beautiful reflecting pond. Here you will enjoy a special lifestyle with great amenities, recreational facilities and a school all designed to create a safe environment and an ideal place to raise a family. Gone will be the hectic Saturday shopping routine replaced by a stroll to the corner market.

Imagine the freedom for young and old riding or strolling down the beautiful streets and pathways or getting of Northglen allows for the security easy to understand why a Northglen together with your neighbours for a and tranquility of country living yet is home is a great investment with endurcommunity soccer game. One of the just a couple of minutes from town. All ing value! Homes start at $220,990 and most exciting features for Northglen around Northglen, you will discover there is an easy deposit structure availkids is their very own Splash Park! golfing, trails, conservation areas and able. Right now, there is a special bonus The home choices here are abun- more. Just up the street there are not package featuring a granite counter top, dant with more than 50 different mod- one but two golf courses. The Bow- five appliances or air conditioning, six els in the fine collection of Victorian manville Conservation Sopers/Creek months free Rogers Phone, Internet and Colonial inspired towns, town Area is right across and to the south and cable pack, hardwood flooring in links, semis, detached links, bunga- of the community. The Stephen’s the Great Room and first upgrade lows and two-storey homes. These Gulch Conservation Area is located kitchen cabinets (as per applicable homes feature varying combinations just to the northwest and provides model). From everyone at Northglen, of architectural focal points complete hiking trails, mountain biking and we wish to extent to your and your with expansive windows and inviting cross-country skiing. Bowmanville family a very happy holiday season. entryways. The interiors offer a large boasts a rich history of charming small variety of bright open concept designs town living. From the big box stores, The presentation centre is located on and range in size from 1,070 to 2,869 to small boutiques, fast or fine dining, Regional Rd. 57 just north of Concessq. ft. This really is the perfect op- grocery stores or farmers markets and sion Rd. 3. Hours are Monday to Thursportunity to enter into homeowner- of course the Bowmanville Zoo. Only day 1 to 7 p.m.; Saturday, Sunday and ship, move up or move down, there here you can see Limba the Elephant holidays 11 a.m. to 5 p.m. For more is something here for everyone. taking a stroll down main street. information, call 905.419.7222 or visit The strategically planned location Well featured and well priced it is northglen.ca

dec 8, 2012 - jan 5, 2013 | New home guide GTA 33

legallyspeaking

The law of good faith (or the lack thereof)

by Jayson Schwarz

The Supreme Court of Canada has said that good faith is

not a requirement by either side in the negotiation of a contract. They went on to say that once the contract is signed there is an obligation to perform in good faith.

What does this mean to you, the homebuyer?

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, mail, deliver or fax letters to the magazine or to the firm, email (info@ schwarzlaw.ca) and give us your questions, concerns, critiques and quandaries.

01 The most important thing to remember is that if it is not in writing, in the Agreement of Purchase and Sale, it is not binding on either side.

02 It does not matter what the agent says or promises (see 1 above).

03 It does not matter what is written in the brochure or advertised at the sales office (see 1 above).

04 Every Agreement should be reviewed by a lawyer who knows real estate before it is binding.

05 Only your lawyer has a legal, moral and ethical requirement to protect and put you first.

06 Every Agreement should be conditional on the lawyer’s review and the condition must be in writing, and keep it that simple. Some Agreements have condition clauses that are all mumbo-jumbo and do not let you really change anything. Also, make sure some time for review is allotted and sufficient.

Okay, the Agreement is signed, reviewed, amended and ready. Now what? The parties must thereafter act in good faith to complete the contract in accordance with the terms of the Agreement.

Remember, most builders and their sales people are honest, caring individuals who want to deliver a quality product. Just be careful not to bite into the bad apple in the bunch.

Happy home hunting!

34 New home guide GTA | dec 8, 2012 - jan 5, 2013

BUYING, SELLING OR REFINANCING A HOME?

YOU NEED A LAWYER Quality legal services at the right price* Konstantine Chatzidimos

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www.schwarzlaw.ca *Certain Terms and Conditions shall apply. Full disbursement disclosure.

35

inthenews

BILD raises $30,000 for Habitat for Humanity More than 450 industry professionals

turned up on November 20 for the Building Industry and Land Development Association’s (BILD) Party for Humanity, and raised more than $30,000 for Habitat for Humanity Toronto.

The fourth annual event was held at the Warehouse in Downsview Park, and attendees dressed in their favourite white pieces, in accordance with the party’s “white out” theme. Fundraising efforts included a silent auction, raffle and a “wardrobe tax” for those whose attire lacked the mandatory white piece.

“This event has been a tremendous success in each of its first three years, but we chose to think outside the box this year and try something different,” said BILD President and CEO Bryan Tuckey. “Our team is always thinking of new, creative ways to raise money for our community partner, Habitat for Humanity Toronto, and this event is yet another example of how committed this industry is to giving back to the community.”

BILD’s Party for Humanity is one of four major fundraisers for the charity. The Association has supported Habitat since 2003 and has since raised more than $535,000 toward its goal of building affordable homes for low-income families.

36 New home guide GTA | dec 8, 2012 - jan 5, 2013

Paul Golini and wife Sharan

In addition to raising money, the event celebrated the leadership of Paul Golini, who concludes his two-year term as BILD Chair at the end of the 2012.

“People often ask me where I get the energy to do this, and I tell them that it is all about passion – passion for the industry, this association and the people within it,” Golini told the crowd before thanking his wife, Sharan, and family for their support during his term. “It’s really been a remarkable couple of years for me and I thank you all very much.”

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37

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dec 8, 2012 - jan 5, 2013 | New home guide GTA 39

10minuteswith...

10 MINUTES WITH…

Gary Bensky Wycliffe Homes’ President Gary Bensky to cocktail parties and notice the baseboards.”

Bensky’s passion is bred in the bone – his grandfather was a carpenter and builder, and his son Jared has joined Wycliffe as vice-president of development. “It’s fantastic that Jared is now part of the team. He left a successful career in a senior position to come here, and he has a tremendous work ethic. At Wycliffe, he is involved in both development and marketing, and he even convinces me to go for lunch now and then. I didn’t do lunch with colleagues until my fifties!”

As president of Wycliffe, Gary Bensky is a hands-on builder who can often be found out in the field interacting with the trades. “I love the grassroots aspect of being where the action is,” he says. “We have a lot of longstanding trades people – generations, in fact. I enjoy seeing first-hand how well they translate our designs into reality.

Their dedication is an example of how all our consultants, trades and employees at Wycliffe are like-minded. We have a passion to do things right.”

Bensky has been with Wycliffe for 36 years. “Before Wycliffe, I worked on infill projects in Toronto. The first thing I did was serve as the site super for the conversion of an 1893 church at Scollard and Hazelton. We eventually moved our own office into the attic. It was me and the pigeons, but it was fun.”

Once he joined Wycliffe, his career skyrocketed. Today, Gary Bensky found his niche at Wycliffe the company is creating some of the GTA’s most innovaHomes, where he says, “We do many things a little bit tive communities. Fairground Lofts in Old Woodbridge better. Our homes are known to cost more, because we Village, for example, is introducing urban loft living to put more into them. It’s not a case of perceived value; this prestigious area. “Wycliffe has built in Woodbridge buyers get what they pay for. Our philosophy is to do it since the late 1970s,” Bensky says. “The people who bought right and true the first time.” homes decades ago have grandkids, many of whom want “Attention to detail” is Bensky’s mantra, a commitment to stay in the community. Since we launched these loftthat has served him well since he was a student of archi- style condo townhomes at incredible prices, the response tecture at the University of Waterloo in the early 1970s. has been great from young singles, couples and a lot of “I worked on and off for an architect, and one day he asked women purchasers.” if I minded getting dirty. He was working on an infill According to Bensky, the townhomes will have an project in Toronto and invited me to the job site. I fell in industrial look, and the community will be fronted by two love with the industry, and I decided I wanted to be a single-family heritage homes with Old Ontario orange professional home builder. I’m obsessed with details; I go brick and buff quoining. “Combined with the new town40 New home guide GTA | dec 8, 2012 - jan 5, 2013

snapshot name of builder

Wycliffe Homes PHILOSOPHY

homes, the effect will be eclectic, similar to Leslieville. The townhomes have high ceilings, tall windows and some have exposed brick and duct work.”

Wycliffe also offers a collection of just eight townhomes at Eight on Bayview, at York Mills. Bensky explains that these elegant freehold towns feature the Wycliffe Landmark Managed Maintenance Program. “Buyers are moving down in size from large homes in the area and they want freedom from exterior maintenance. Our program handles lawn care, snow removal, and even the roofs have a reserve fund for future repair. Purchasers understand that this all reflects well on their investment. Buyers have great flexibility to customize the interiors, which are loaded with amazing ap“I’m a firm believer that if you have good pointments. Even elevators are standard.” product in a good At Wycliffe’s Hendon Park, location, people will buyers will enjoy urban living buy. This is evidenced on the subway. These garden by the many openings condo towns at Yonge and Finch will feature underground we’ve had over the past few months. You parking, and those facing the street will have front yards. can’t beat location, “Magnificent Hendon Park is location, location.” across the street,” Bensky points out, “and the Finch subway is steps away.”

Demand is high for these and all of Wycliffe’s current communities. “Despite the negative media, the latest recessionary period hasn’t hit the Toronto housing market hard. I’m a firm believer that if you have good product in a good location, people will buy. This is evidenced by the many openings we’ve had over the past few months. You can’t beat location, location, location.”

So what’s new for Wycliffe? “We we have 10 large estate homes coming up in Markham in the spring. They are situated on 60-ft. ravine lots, each a different shape and all walking distance to Markham Village. We have John Beresford working on heritage-style architecture so they will fit in with their historic surroundings. We’re excited to have another community to be passionate about.”

Show every client the same level of respect.

“Whether we are building market affordable homes or multi-million-dollar estate residences, all our buyers are treated with dignity. We honour their investment with integrity and topnotch quality.”

Gary Bensky TRACK RECORD

One of the longest-standing builders in the GTA, Wycliffe Homes has been creating communities of luxury and distinction for more than 60 years. The company’s portfolio includes more than 10,000 homes in over 100 communities across Ontario, for everyone from first-time buyers to empty-nesters.

GREEN PHILOSOPHY

Wycliffe is committed to environmentally friendly and sustainable building practices, including protecting the natural spaces that form an integral part of most communities.

Wycliffe is also an active member of several Ontario landowner groups that develop ideas on building even more environmentally friendly homes in the future.

AWARDS

Wycliffe Homes has received numerous industry accolades, including several Tarion Awards of Excellence and the Markham Award of Excellence.

WHY WYCLIFFE?

Receive a made-to-measure home, thanks to Wycliffe’s two-part interview purchase process. The first focuses on exterior construction and interior structural choices.

The second is a design interview in the Décor Centre, where buyers select from exquisite fixtures and finishes.

CURRENT PROJECTS

Fairground Lofts in Old Woodbridge Village, The Wycliffe Luxury Collection at Eight on Bayview, Hendon Park Urban Living on the Subway, Wycliffe Georgian Landing wycliffehomes.com dec 8, 2012 - jan 5, 2013 | New home guide GTA 41

inthenews

“Moderation” is the key word for Canadian housing markets in 2013 which should bode well for housing remarkable resilience in 2012 despite tighter financing markets across the country. Historically and economic uncertainty abroad. According to a recent low interest rates will also continue to report by ReMax, home sales were up or on par in 65 per drive healthy home-buying activity, especent of major centres this year, and the trend is expected cially in the move-up segment.” to continue, with home-buying activity propped-up by low The report found that low interest rates interest rates and an improved economic picture in 2013. were a major impetus in 2012, fuelling sales The ReMax Housing Market Outlook 2013, which of homes across the board. Tight inventory examined 26 major markets across the country, found levels also factored into the equation early that the number of homes sold is expected to match or in the year, causing a flurry of activity in exceed 2011 levels in 65 per cent of markets in 2012, led many centres. By mid-year, however, the by strong activity in western Canada, including Calgary third round of CMHC mortgage tightening (up 13.5 per cent) and Regina (up eight per cent). had a noticeable impact on housing markets, Eighty-one per cent of markets are set to experience pushing homeownership beyond the grasp average price increases by year-end, with Hamilton- of many first-time buyers.

Burlington, Greater Toronto and Fredericton at seven per “Despite all the negativity surrounding cent and Saskatoon at 6.5 per cent. The forecast for 2013 residential real estate, the sky is not falling,” shows the upward trend moderating, but values still ahead says Gurinder Sandhu, executive viceof 2012 levels in 85 per cent of centres. Stability is fore- president and regional director, ReMax cast to characterize Canadian real estate in the New Year, Ontario-Atlantic Canada. “Home sales with sales above or on par with 2012 levels in 81 per cent have moderated, but remain within healthy of markets. levels. Greater optimism is expected to Nationally, an estimated 454,000 homes will change return next year, as the economy marks hands in 2012, falling one per cent short of the 2011 further improvement.” level. And the average price of a Canadian home is exWhile first-time buyers will continue pected to remain stable at $364,000 in 2012 – on par to have a significant presence in the overall with the figure reported in 2011. marketplace, they are expected to take a “Looking forward, there are a back seat in 2013 in Canada’s largest number of factors on the horizon markets – with move-up buyers the new Stability is forecast to that will serve to bolster residen- engine driving home-buying activity. The characterize Canadian tial activity in 2013,” says Elton greatest advance in home sales is expected real estate in the Ash, regional executive vice- in Vancouver (12 per cent), Calgary (10 per New Year, with sales president, ReMax of Western cent), Halifax (five per cent), Kingston (4.5 above or on par with Canada. “Canada’s economic per cent) and Saint John (four per cent).

2012 levels in 81 per performance is expected to show More balanced market conditions are exof improvement, particu- pected in 2013 throughout the majority of cent of markets signs larly in the latter half of the year, markets, with supply meeting demand.

Canadian real estate markets demonstrated

42 New home guide GTA | dec 8, 2012 - jan 5, 2013

commons

NOW AVAILABLE

Semis, Traditional Towns,

2 CAR GARAGE

TOWNS

WITH WIDE DRIVEWAYS,

& 2 Car Single Detached Homes

in Markham from the mid

400

’s

$

· · · ·

Up to 3,000 sq.ft.

Fully established neighbourhood Top rated schools GO Transit minutes away

Sales Office Hours: Monday-Thursday 1-8pm | Friday By Appointment Only | Saturday-Sunday & Holidays 11am-6pm BRADFORD

BRAMPTON

BRAMPTON

BRAMPTON

KING CITY

KLEINBURG

Sales Centre Located at Keele St., North of Teston Rd.

6181 Major Mackenzie Drive W., West of Hwy 27

blossom at credit heights

H E I G H T S

8th Line & 10th side Rd.

Mississauga Rd. North of Steeles

MARKHAM

On Bramalea Rd. North of Sandalwood Parkway

Williams Parkway East of Mississauga Rd.

NEWMARKET

NOBLETON

THORNHILL

WOODBRIDGE

Bathurst St., South of Green Lane

East side of HWY 27 just North of King Rd.

West side of Bathurst just South of Teston Rd.

Poetry Drive off Major Mackenzie, just West of Weston Rd.

commons

On Major Mackenzie, West of Markham Rd.

COUNTRYWIDEHOMES.CA | 905.907.1500 Prices & specifications subject to change without notice. © 2012 CountryWide Homes. All rights reserved.

taxingissues

Henry Choo Chong, CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225. Questions to Taxing Issues can be e-mailed to choochonghcga@yahoo.ca

Calculating

Where did this tax come from? You say, many countries do not have this! Canadians were first introduced to capital gain tax in 1972. The Canadian government claims this was necessary to finance our social security programs and create a more equitable taxation system. Almost 40 years since and it is still around. Don’t you feel more secure about your social security and equality in our tax system? Some countries such as Belize, Barbados, Cayman Islands, Egypt, and Hong Kong have no capital gains tax. On the other hand, there are many countries with similar taxation to Canada’s such as Bulgaria, Denmark, France, Finland and Iceland.

Regardless, if you actually move in or not, you will be subject to capital gains tax on your sale in the year the transaction is completed. Individuals that purchase new or resale homes are treated no differently. Mr. Harper wants his share of the profit.

capital gains tax

by Henry Choo Chong

Q.

Two years ago, I purchased a new home from a builder in north Toronto. Occupancy is this November and expects to complete transaction in March of next year. My sale price was $40,000 more than the initial purchase price. I have never lived in the property. Thus far, it has all been handled by my lawyer. Will I have to pay capital gains tax on this? How much and can I claim the lifetime exemption?

Brian, Scarborough

A.

Capital gains tax is charged on the profit realized from the sale of noninventory assets. Most common assets are stocks, bonds and real estate. Currently, the income inclusion rate is 50 per cent. The taxable inclusion rate has bounced from inception 50 to 75 per cent, to 66 per cent, to its current rate. Therefore, an individual with capital gains must include in his/her personal tax return, 50 per cent of the capital gain. Yes, this can add up to be a large chunk of change and reduces your actual after tax rate of return on your investment.

44 New home guide GTA | dec 8, 2012 - jan 5, 2013

Using a marginal tax rate of 40 per cent in the example; » Capital gains $40,000 » Taxable capital gains (50%) $20,000 » Tax rate: 40% » Taxes payable: $20,000 x 40% = $8,000 Under certain circumstances the lifetime capital gains exemption can be claimed to reduce or eliminate capital gains. An individual that disposes of qualified farm or fishing property and small business corporation shares may claim an exemption up to $750,000. Your particular transaction does not qualify for this exemption.

Some other issues you should ponder and discuss with a lawyer and/or tax professional: » GST/HST – how will investment be treated on closing? » GST/HST – are rebates available? » Land Transfer tax – How will this be managed at closing? » Is builder okay with this assignment? » A ny issues with occupancy? Who takes? » Have you considered the cost of occupancy period?

32 ANNUAL ND

BILD AWARDS Treasure Hill was the proud recipient of SIX 2012 BILD awards, including Low-rise Project of the Year.

Thank you to all of our customers, employees, BILD and congratulations to all of our colleagues on a job well done.

Grand Opening

879900*

$

from

up to 3,704 sq.ft.

LUXURY FEATURES INCLUDE:

PRESENTATION CENTRE HOURS: • Friday: Closed • Sat., Sun. & Holidays: 11am - 6pm Mon. - Thurs.: 1pm. - 8pm urbantowns

COMING SOON

COMING SOON

urbantowns

N Rutherford Rd.

THORNHILL WOODS

Highway 7 Highway 407 AT L A K E S H O R E W O O D S

COMING SOON

AT L A K E S H O R E W O O D S

FREEHOLD TOWNHOMES

FREEHOLD TOWNHOMES

36’ • 40’ • 45’ SINGLES

Bayview Avenue & Highway 7

Bayview Avenue & Vandorf Side Road

Great Lakes Blvd. & Rebecca St.

AURORA

OAKVILLE

urbantowns

RICHMOND HILL

Bathurst St.

PRESENTATION CENTRE

Peter Rupert Ave.

Major Mackenzie Dr.

Confederation Pkwy.

• 10 ft. ceilings on main floor • Oak staircase main to 2nd floor and main to basement • Prefinished 3 inch oak hardwood flooring • Granite kitchen countertop • Smooth ceilings on main floor and upper hallway • Distinctive French Chateau style elevations • Higher basement ceilings included

Keele St.

Thornhill Woods Dr.

36’ & 40’ SINGLES

Dufferin St.

THORNHILL WOODS

Discover Living • Pre-Register at treasurehill.com *Limited quantities available to qualified purchases. Prices & information correct at press time. Map not to scale. Lots may have premiums. All illustrations reflect artist impression E.O.& E. Ask a sales rep. for details.

45

gettingyourfinancesinorder

Canadians resolve to better manage their finances in 2013: RBC Canadian Consumer Outlook

Heading into 2013, more (37 per cent) Cana-

is consistent with findings released earlier this month that Canadians intend to be more frugal this holiday season and that managing their debt is a key priority.

“Canadians may believe brighter days are ahead because they are making resolutions to better manage their finances by reducing debt and curbing spending not because of their outlook on the Canadian economy,” says Richard Goyder, vice-president of personal lending, RBC. “While New Year’s resolutions may start with great intentions and fizzle out later in the year, setting out a plan to reduce your debt, keep it under control and save more for that rainy day will help keep you on track.”

The most recent Economic and Fiscal Update issued by the federal government in November estimated that Canada’s real GDP will grow by two per cent in 2013. RBC Economics is currently forecasting the Canadian economy will grow by 2.4 per cent in 2013.

“The Canadian economy has been growing at a rate close to its long-run potential,” says Craig Wright, senior vicepresident and chief economist, RBC. “However, we will have a sharper picture of Canada’s future growth prospects when the US addresses the fiscal cliff and European policy makers can move the Eurozone out of recession and address fiscal and financial market imbalances.”

dian consumers feel their personal financial situation will improve than they did at this same time last year (32 per cent) and they are taking steps to be in better financial shape, according to the quarterly RBC Canadian Consumer Outlook.

Looking ahead, one-in-three Canadians (31 per cent) are planning to focus on reducing their debt, 26 per cent on spending less, 25 per cent on saving or investing more, and another 20 per cent intend to take all of these actions Top 10 Financial Tune-up Tips for 2013 in 2013. Canadians are also sending out a strong signal that » Reduce your debt: If you are among the 31 per cent of less money will be going toward major purchases in 2013, Canadians who plan to focus on reducing debt next year, with 44 per cent reporting they will spend less on big ticket you can start off by paying down debts which have the items such as cars, household appliances or vacations. This highest interest charges first. continued on p a ge 4 8 . . .

46 New home guide GTA | dec 8, 2012 - jan 5, 2013

The Best Value

north of t he

GTA!

PREVIEW OPENING THIS WEEKEND!

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

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.

Homes from the Mid

400’s

$

700,000

to over $

up to 4,200 sq.ft.

MOUNT ALBERT

finances |

CONTINUED

» Consolidate your debt: To make all your debts easier to manage and pay down, talk to a financial advisor about consolidating your debts. Combining multiple payments into one loan can help make it easier to manage your debt and you may even reduce your interest costs and be able to pay down your debt sooner.

» Compare loans to lines of credit: If you are planning a major expense in the new year (buying a car, renovating your home, investing in your RRSP), explore whether a loan or a line of credit will work best to help you manage that expense.

» About to buy a home? Get pre-approved for a » Budget for the year ahead: Having your own budget mortgage: To get a better idea of your price range before allows you to manage your expenses, pay down debts and you buy your first home, apply for a pre-approved for a mortsave for future goals. If you don’t gage, with professional advice that will have a budget, set one up for the help you understand the long term The start of any new year new year; if you already have one, costs and choose the right mortgage is a good time to review the beginning of a new year is a option to suit your needs. the mix of assets in your good time to do a budget review. investment portfolio and You can get in-person budgeting » Review your investments: The advice any time of the year from a to recheck your risk profile, start of any new year is a good time to financial planner at your local bank to see if you need to make review the mix of assets in your investbranch; there are also online rement portfolio and to recheck your risk any adjustments. sources to help you get started. profile, to see if you need to make any adjustments. » Make your credit card work for you: Credit cards can help you keep track of your expenses and also earn » Use all your income tax deductions: Remember to valuable rewards more quickly, but whenever you use your pay all tuition fees, investment management fees, accountcredit cards, do so wisely – pay off your full balance before ing and legal fees if deductible, safe deposit box fees, childthe due date each month. care expenses, alimony, medical expenses and any business expenses by Dec. 31 of the year, if you want to deduct them » Have an emergency fund: Unexpected expenses can on that year’s tax return. catch you off-guard throughout the year. An emergency fund can help you take care of unplanned costs without straining your budget.

48 New home guide GTA | dec 8, 2012 - jan 5, 2013

MAYFIELD RD COUNTRYSIDE DR PRESENTATION CENTRE DEWSIDE DR

BOVAIRD DR E

AIRPORT RD

N

TORBRAM RD

BRAMALEA RD

DIXIE RD

410

SANDALWOOD PKWY E

hotdates

dec. 19 - jan. 5 dec. 8 - 15

102.1 The Edge's Jingle Bell Rock Various locations in tornto

Dec. 8 to Jan. 5 Calendar of events beginning from Dec. 8 to Jan. 5, 2012

102.1 The Edge's Jingle Bell Rock concert series is back for the holiday season, with a slew of bands set to perform. Throughout the concert series, $1 from all ticket proceeds will go to the Daily Bread Food Bank, and donations of non-perishable food items will be collected at all shows. edge.ca

Four Seasons Centre for the Performing Arts

The National Ballet of Canada's presentation of Pyotr Ilyich Tchaikovsky's beloved Christmas ballet, The Nutcracker, follows the adventures of siblings Marie and Misha as they encounter a fantasy world with mice, gingerbread soldiers and the Sugar Plum Fairy, all in the company of a broken nutcracker that comes to life. Choreographer James Kudelka reinvents the story by setting it in Imperial Russia. national.ballet.ca

dec. 8 - 16

Toronto Christmas Market the distillery historic district

The annual holiday street market takes over the Distillery District with local vendors and craftsmen, family friendly entertainment, shopping and more, inspired by European style Christmas Markets. Throughout the Market there is a stage with musical performers, carolers, a Ferris Wheel, beer gardens and of course, Santa and his reindeer. torontochristmasmarket.com

50 New home guide GTA | dec 8, 2012 - jan 5, 2013

The Nutcracker

dec. 22 - 30

A Christmas Carol Toronto centre for the arts

The Nearly World-Famous Dufflebag Theatre presents its new production of Charles Dickens' A Christmas Carol at the Toronto Centre for the Arts. This family version of Dickens' classic story includes audience participation and witty narration, in the tradition that Dufflebag has followed for 20 years. dufflebag.com

Dec 8, 2012 - Jan 5, 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

52

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

53

1

2

3

4

5

6

7

8

9

10

11

12

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Orangeville

10

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28

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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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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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33

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Cr he ft so

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30 46 51

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Brampton, Caledon, Bolton

ne

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43

45 32

au

on

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west region:

ne

Li

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St

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35

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410

Landscapes

905-893-3331

6

Townwood Homes

Gates of Countryside

6

Country Wide Homes

6

Price Range

Page No.

• •

from $390,000

19 8M

gatesofcountryside.ca •

•

from $400,000

49 9M

Gates of Countryside

905-907-1500

•

from $400,000

49 9M

Greenpark Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

49 9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

49 9M

6

Starlane Home Corporation Gates of Countryside

starlanehomes.com •

from $520,000

23 & 49 9M

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

•

from $310,000

9 6P

9

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com •

•

from $310,000

9 6P

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $287,000

9 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

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $390,000

5 9M

from $550,000

23 10k

67 Starlane Home Corporation Rivers Edge

starlanehomes.com •

6

National Homes

Gates of Countryside

416-746-1234

•

from $290,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

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

•

• from $300,000

8L

from $415,000

9Q

from $285,000

10K

from $520,000

8K

•

from $390,000

6M

•

from $310,000

6M

Castlemore

greenparkhomes.com •

from $355,000

11L

37 Oxford Homes

Adena Ridge

905-584-6444

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

51 Acorn Homes

Castlegate

acornhomes.ca

•

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

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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G

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Tw

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403

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10

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9

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S

No

Rd

* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.

Niagara on the Lake

Hamilton

Q

QEW

Mohawk

Rd

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ia

St

15 r D e 29 sid 8 E k r a St P s da un D

403 Hwy 2

18

nn

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Ki

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Attention Builders Want to add your community to our maps?

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Please fax the details to (416) 789-9554

rk

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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

Si te 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 •

• 8m

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

•

from $220,000 9G

Site

Tel

Price Range

Page No.

• from $180,000 11l

•

from $418,000 8h

• • 11R

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

33 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

• • 8m

Acton, Halton Hills, Milton, Burlington, Waterdown

Builder

west region:

# IBC-Inside back cover

57

1

2

3

4

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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

d

eim R

Blenh

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* Due to scale restrictions locators are approximate. Please see builder’s ads for exact locations.

Rd

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vd

Clyde

St.

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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

59

communityfocus

Now Mattamy invites you

to live in Brampton sooner and save thousands

M

attamy Homes has built more communities in Brampton than anywhere else in North America.

The company has helped shape the look and style of neighbourhoods in this city and thousands of families now enjoy the many features of life in a Mattamy neighbourhood.

Its newest community is Salisbury Square and it is already very popular among families looking to be close to downtown while still maintaining a small neighbourhood feel.

Salisbury Square has a decidedly urban flavour and given where it is located, that’s a concept that works perfectly. This fresh, new neighbourhood is part of one of Brampton’s fine established downtown neighbourhoods. The Queen & Chingacousy area is close to all the downtown amenities as well as offering easy access to major routes. Local schools, shopping and businesses are well established in this area. It’s the kind of place that still has corner stores, barbers and restaurants. In Salisbury Square, you benefit from having a modern,

urban, affordable home in a well-established neighbourhood. And right now, Mattamy has special savings on select Early Move-In Homes.

Salisbury Square continues the company’s long-standing reputation in Brampton.

You’ll find a wide variety of affordable townhomes designs in a nice variety of exterior styles and interior floorplans. The neighbourhood also includes an abundant collection of detached homes. Salisbury Square townhomes are priced from $286,990 and detached homes are available from $374,990.

Right now, you’ll save $25,000 on select Early Move-In detached homes And $8,000 on select Early Move-In townhomes.

01

60 New home guide GTA | dec 8, 2012 - jan 5, 2013

MATTAMY HOMES

Salisbury Square

02 03

pictured

01 Large chef’s kitchens are a hallmark of Mattamy’s designs 02 Townhome kitchens offer plenty of room for entertaining 03 Enjoy your own at-home spa in a Mattamy bath

through this charming community and you’ll have a very solid idea of why Mattamy is so popular in Brampton.

Mattamy has grown right along with Brampton, which is Brampton now one of Ontario’s most vibrant cities. There’s a strong housing type industrial base, a great school system, superb recreational facilities and an abundance of local shopping, cultural venues, Townhomes and detached homes nightlife and fine dining. There’s also a Farmers’ Market sales centre featuring the very best of local foods, meats and baked goods.

709 Queen St., open Monday to It has one of the finest park systems in the province and is Thursday 1 to 8 p.m., Friday well served by public transit and bus and train transport into 1 to 6 p.m, and weekends and the city. holidays 11 a.m. to 6 p.m.

If you’re looking for an affordable, distinctive home in an contact urban setting, this is a perfect time to take a long look at 905.495.5067 | primonthomes.com Salisbury Square. Not only will you have a fine family neighbourhood, you’ll also have a family home that you can move into sooner rather than later and you can have that home with Mattamy has built more than 20 com- savings of up to $25,000. Just visit the presentation centre munities in Brampton so if you want to get and pick out your brand new home. a reference for the many features and distinctive style you can expect in Salisbury The presentation centre is located at 709 Queen St., open Square, you’re never far from a Mattamy Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m, and weekneighbourhood. Mount Pleasant Village ends and holidays 11 a.m. to 6 p.m. For more information call would be a good place to start. One stroll 905.456.0228 or visit mattamyhomes.com location

dec 8, 2012 - jan 5, 2013 | New home guide GTA 61

GTA’s exciting free monthly home design magazine Featuring the newest products and hottest design trends for your home, inside and out.

416.626.4889 FREE DECEMBER 2012 VOLUME 8 ISSUE 12 www.homedecorandrenovations.com

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62 New home guide GTA | dec 8, 2012 - jan 5, 2013

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Our new limited release includes a selection of 60- and 70-ft homesites, with many backing onto open space.

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Rd eld y fi a M

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rt po Air

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ORANGEVILLE

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Rd

FROM

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communityfocus

Grand opening continues at Centretown in Brampton’s Mount Pleasant Village

A

ll across the GTA, people are talking about builder Primont Homes is creating a new home comthe exciting developments in Brampton’s in- munity that epitomizes Mount Pleasant’s perfect novative Mount Pleasant Village. Located in marriage of urban convenience and country charm. a picturesque area of northwest Brampton, Mount Welcome to Centretown.

Pleasant offers a dynamic new model for commuNow open, Centretown offers an exceptional nity development in Brampton. In Mount Pleasant, selection of stylish townhomes and stunning 38-ft.

Brampton’s visionary city planners have created a detached singles with two-car garages. With breathcommunity that allows residents to take advantage taking exterior elevations and the finest interior feaof many exceptional urban amenities, while still pro- tures and finishes, these homes offer the ultimate viding incredible proximity to pristine greenbelt lands in stylish Brampton living. The attractiveness of life and the relaxed, tranquil atmosphere for which north- at Centretown goes well beyond the appeal of the west Brampton is famous. Just minutes from the homes themselves. With the Mount Pleasant Village’s centre of this remarkable neighbourhood, esteemed iconic square just a short walk away, Centretown is in

64 New home guide GTA | dec 8, 2012 - jan 5, 2013

PRIMONT HOMES

Centretown

a prime location to take adgolf courses, conservation arlocation vantage of the many unique eas and movie theatres. And urban amenities that one with Hwys. 401, 407 and Brampton simply cannot find anywhere 410 nearby, it’s easy to get housing type else in Brampton. to virtually any destination Townhomes and stunning 38-ft.

When creating Mount in the GTA. To learn more detached singles with two-car garages Pleasant Village, Brampabout Centretown, visit our ton’s inspired city planners sales centre at 10629 Missales centre set out to design an “urban sissauga Rd., visit us online 10629 Mississauga Rd. transit village” centred on a at primonthomes.com or just beautifully manicured town call us at 905.495.5067. contact square. The result is a highly Exciting things are also 905.495.5067 | primonthomes.com walkable community setting happening at several of Prithat encourages residents to mont’s other great GTA comtake advantage of sustainable forms of transporta- munities. Brampton’s Castlemore Village is now open, tion such as cycling and public transit. The heart of with a great selection of towns, semis and 50- and this vibrant urban community is the Mount Pleasant 65-ft. luxury singles available for 2013 closings in this GO Train station. Offering connections to Brampton highly desirable northeast Brampton neighbourhood.

Transit, this centrally located station makes it easy In Markham, Primont’s popular Harmony community for area residents take full advantage of convenient is offering an impressive selection of luxury executive train and bus services that grant access to virtually towns from $539,800. Also in Markham, Primont’s every major destination in the GTA. Heirloom community is offering a new release of Centretown is also ideally positioned to take ad- ravine setting townhomes. Heirloom is also offering vantage of a whole host of other wonderful Brampton a final release of freehold towns and semis with 2013 amenities. Nearby plazas such as Fletcher’s Meadow closings available from just $432,900. and Credit Ridge Commons offer major retailers such as Fortinos, Joe Fresh, Walmart, The Beer Store, To learn more about these or any other great major banks and more! The surrounding area also Primont communities, visit online at offers incredible access to amenities such as malls, primonthomes.com today.

dec 8, 2012 - jan 5, 2013 | New home guide GTA 65

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 66 New home guide GTA | dec 8, 2012 - jan 5, 2013

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

Dec 8, 2012 - Jan 5, 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

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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

68 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

9 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

69

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

70

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 $770,000

14-15 & Insert 9F

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

14-15 9F

44

Madison Homes

thornhill

905-417-1203

•

from $1090,000

39 14g

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

1 12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $880,000

45 13g

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

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

•

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

71

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

72

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

Kettle Lakes Club

289-231-2849

•

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

from $550,000

Page No.

IFC 6D

83 4C

6Q

5I

4L

Richmond Hill

Tel

central region:

Aspen Ridge Homes

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

4

73

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

74 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

6

Primont Homes

Heirloom in Markham

905-201-2804

• •

from $433,000

13 7f

8

Country Wide Homes

Wismer Commons

905-907-1500

•

from $450,000

43 6F

Greensborough

905-201-7700

•

•

from $497,000

39 7F

11 Madison Homes

•

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $473,000

23 18F

24 Ballantry Homes

Cornell

905-294-0221

•

•

from $390,000

5 8g

28 Greenpark Homes

Copper Hills South

CopperHillsSouth.ca •

•

from $585,000

37 14d

28 Starlane Home Corporation Copper Hills South

CopperHIllsSouth.ca •

•

from $585,000

37 14d

30 Madison Homes

Cornell Rouge

905-472-9556

•

from $526,000

11 & 39 8F

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $450,000

11 8f

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

1 7F

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

47 16B

59 Primont Homes

Harmony

905-305-8871

•

from $540,000

13 5I

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

•

from $630,000

21 & Insert 5H

64 Arista Homes

Upper Unionville

905-534-1564

•

•

from $500,000

21 5H

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $500,000

21 5H

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

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

26 Arista Homes

Boxgrove

905-201-1102

•

• •

from $432,000

8H

28 Preston Homes

Copper Hills

905-954-4050

•

from $500,000

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

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

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

75

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

76 Duckwor

north region:

en

nc Vi ia Rd

Tel

1-877-455-0201 • 905-558-0255 • 905-775-3461 • 705-294-2288 • MyFieldstone.ca • millstreethomes.com millstreethomes.com 1-877-428-5115 • 1-877-428-5115 • 1-877-534-4445 • 705-324-1653

705-730-1978 • 1-866-409-2724 • 705-329-3330 • 519-599-1900 • 705-792-6807 • 705-735-0732 • 1-866-386-1629 • 1-877-422-1185 • 1-877-455-0201 1-877-455-0201 1-855-7PREVIN • 1-888-431-1732 • 905-558-0098 • 905-907-1500 • 905-778-0873 • 905-778-0873 • 705-721-7200 • 705-721-7200 • 905-851-1224

905-251-3203

705-734-9518 • 1-866-625-2583 • 1-866-386-1629 • 905-695-1953 • 705-434-4433 • 1-866-722-7771 • 1-866-531-3424 • 705-436-7215

705-436-5445 • 705-797-1967 • 705-734-1887 • 705-436-5547 • 1-888-445-9608 1-877-420-0880 • royalpark.com • 1-888-257-1999 masonhomes.ca/4U • 1-877-855-1122 705-516-0681 • 1-855-590-3577 • 1-855-590-3577 • 416-410-0175 • dreamfieldsbradford.com • dreamfieldsbradford.com • 705-444-0555 • 705-435-9991

705-423-9662 • democrathomes.com 905-778-0873

705-446-2626

519-217-5944 • 1-888-257-1999 • 1-888-720-9508 1-855-299-7929 •

Price Range

• •

• •

•

• • • •

•

• •

• •

• •

• • • •

• • •

• •

•

•

• • •

• • •

•

•

•

•

from $379,000 from $780,000 from $580,000 from $350,000 from $500,000 from $280,000 from $280,000 from $210,000 from $210,000 from $200,000 from $170,000 from $330,000 from $275,000 from $155,000 from $347,000 from $250,000 from $253,000 from $260,000 from $250,000 from $316,000 from $300,000 from $280,000 from $200,000 from $700,000 from $750,000 from $270,000 from $300,000 from $233,000 from $233,000 from $440,000 from $330,000 from $250,000 from $284,000 from $260,000 from $298,000 from $550,000 from $290,000 from $300,000 from $200,000 from $285,000 from $500,000 from $280,000 from $240,000 from $300,000 from $200,000 from $200,000 from $298,000 from $220,000 from $234,000

from $280,000 from $280,000 from $300,000 from $311,000

from $210,000 from $275,000 from $225,000 from $300,000 from $285,000 from $340,000 from $250,000 from $310,000 from $300,000 $285,000

Page No.

85 9g 1 7k 79 7I 87 7G 63 5J 455 7J 81 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 3I 3E 7J 6I

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Site

north region:

Builder

Fi Map nd er

Ballymore Homes Lakeside Meadows Aspen Ridge Homes King Country Estates Great Gulf Homes Summerlyn Village Briarwood Homes Briarwood Estates Brookfield Homes Fieldstone Briarwood Homes Mill Street Village Ballymore Homes Mill Street Village Pacific Homes Limited MarlLake Village Red Berry Homes MarlLake Village Starcrest Homes Nottawasaga Village Mason Homes Cloverlea Lindsay Mancini Homes Princeton Woods Democrat Homes Wasaga Sands Mariposa Homes West Ridge Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay Fandor Homes Hamptons on Big Bay Point Grandview Homes Big Bay Point Grandview Homes Bear Creek Hollow Berkley Homes Wasaga Beach Ballymore Homes The Simcoe Ballymore Homes The Neptune Previn Court Homes Victorian Village Southpointe Homes Southpointe Rosehaven Homes King Country Estates Country Wide Homes King Country Estates Fernbrook Homes Grand Central Brookfield Homes Grand Central Melody Homes Sunflowers Zancor Homes Sunflowers Pristine Homes Timberwolf Lodge Oxford Homes Mount Albert Village Kingsview Homes Renaissance Collection Kaitlin Group Ltd. Blue Shores Grandview Homes Forest Beach Estates B.G. Schickedanz Lake Scugog Meadows North Alliance Homes RidgeHill Alliance Homes Jackson’s Landing Country Homes Alcona by the Lake Maple Lane Homes Wallace Mills Sandiego Homes Lakeside Living in Innisfil Senator Homes Lakeside Cove Sunfield Homes Centre Point Pristine Homes Pebbleshores Brandy Lane Homes Mountain Trails Stonebridge Building Group Stonebridge by The Bay Royalpark Homes Emerald Forest Delpark Homes Pretty River on Georgian Bay Mason Homes Just 4U Bremont Homes Centretown RAYMAC Homes Brennan Enclave Brookfield Homes Treetops Orchard Ridge Homes Treetops Rosehaven Homes Dreamfields in Bradford Regal Crest Homes Dreamfields in Bradford Country Wide Homes Dreamfields in Bradford Devonleigh Homes Inc. Creekside Devonleigh Homes Inc. Parkside by Devonleigh Devonleigh Homes Inc. Brownley Meadows Democrat Homes Maplewood Brookfield Homes Park Central Fram Building Group The Shipyards Lakeview Homes Greenbrook Village Briarwood Homes Pretty River Collingwood Brookfield Homes Willow Glen Tottenham Far Sight Homes Greenfields

De t Se ach m ed To i w n Co hom nd e o

# Si te IFC-Inside front cover

11 14 16 55 59 71 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 58 60 65 70

77

gettingyourfinancesinorder

Twothirds of Canadians plan to be money savers and budget makers this holiday season The holiday shopping season is here and Canadians are

looking for ways to save and make the most of their budget. According to a recent survey by TD Canada Trust, when asked what type of holiday shopper they would be this year, the majority of Canadians said they plan to spend very little and only what they need (37 per cent) or that they would budget and manage their spending to ensure they don’t overspend (35 per cent).

The research also found that while the majority of Canadians (60 per cent) say they plan to create a holiday shopping budget, more than a third When it comes to saving (37 per cent) think their intentions during the holiday might slide, saying it is likely they season, the majority of will spend more than they planned.

On average, Canadians plan to Canadians are likely to spend $842 on gifts and other take advantage of store holiday expenses such as food, decsales, discounts, coupons orations and entertainment during and exclusive deals the holiday season – with 21 per cent spending more than $1,000.

“The holidays can be busy, so to reduce financial stress and avoid spending more than you should, it’s important to make a shopping plan, create a budget and monitor your spending,” says Raymond Chun, senior vice-president, TD Canada Trust. “Finding ways to enjoy the holidays without breaking your budget will not only help make the season more cheerful, but will also help you welcome the new year with more money in your pocket.”

When it comes to saving during the holiday season, the majority of Canadians are likely to take advantage of store sales, discounts, coupons and

exclusive deals (78 per cent) and conduct online research to find the best deals (62 per cent). Thirty-nine per cent also say they are likely to redeem rewards points and 16 per cent say they are likely to re-gift to reduce holiday expenses.

“During the holiday season it’s important to make the most of your budget by finding ways to minimize spending, while maximizing gift-giving and other holiday purchases,” says Lynn Spence, decor and fashion shopping expert. “Start by setting a spending limit per gift and making a list of practical gifts that you know those on your list will appreciate. Next, look for sales that are on now. Spend time planning how you can best take advantage of online and in-store timesensitive sales, price-match guarantees and price adjustments opportunities.

But remember, don’t buy a gift only because it’s on sale. Choose meaningful gifts, and then find ways to save.”

Regardless of your budget, Chun cont i n u e d on p a g e 8 0 . . .

78 New home guide GTA | dec 8, 2012 - jan 5, 2013

LIMITED EDITION Great Gulf PreMIuM COnSerVatIOn lOtS

In BradfOrd SuMMErLyN VILLagE DetacheD homes 50 x 120 ft. Lots

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.

dec 8, 2012 - jan 5, 2013 | New home guide GTA 79

finances |

CONTINUED

Take advantage of the financial services and tools that are available to help you manage your money during the holiday season. » Monitor spending: While 21 per cent of Canadians say they don’t plan to track their holiday spending, it’s one of the easiest ways to avoid overspending. Using one debit or credit card for all your holiday purchases can be a convenient way to stay on top of what you’re spending. Remember, while a credit card can help you track your spending and earn rewards, only use it if you can afford to pay off the balance in full and on time. Don’t forget to check your account regularly. If you find you are overspending in one area, see where you can cut back – such as redeeming rewards points for gifts – to get your budget back on track. Canadians can also visit TD Helps to ask questions about saving and managing money during the holiday season.

Top 5 holiday gift-giving tips from shopping expert Lynn Spence:

1. Don’t wait for the last minute to shop.

It’s easy to spend badly when you’re short on time.

2. Make sure to budget for a few extra gifts for any unexpected guests to offers the following advice to help If you find you your home, and hostess gifts for any you stay on track this holiday season: extra parties you attend. are overspending in one 3. If you have a large family, organize a » Plan: Even if you’ve already area, see where you gift exchange to reduce the number started hitting the malls, it’s not can cut back – such as of gifts you need to purchase. Or, too late to devise a holiday shop- redeeming rewards points agree ahead of time that everyone ping plan. Make a list of what you will only buy gifts for the children in for gifts – to get your want to purchase in each store to the family. avoid impulse spending plus re- budget back on track 4. Plan a dinner out with friends search the best prices and sales instead of purchasing gifts for online. For Canadians who plan to purchase holiday gifts online (38 per cent) each other. The memories you’ll in addition to conducting research, there are now more than 21,500 e-comcreate spending time together are merce merchants in Canada that accept Visa Debit, allowing you to shop more valuable. online using funds directly from your bank account.

5. Gift cards are a great way to stretch » Budget: Determine what you can realistically afford to spend and create your gift-giving dollar further, as a budget. To get a better idea of what you might spend this year, look online it allows those on your list to take at last season’s bank or credit card statements. Remember to add categories advantage of all the sales after for other holiday expenses aside from gifts, like eating out, decor and travel. the holidays.

80 New home guide GTA | dec 8, 2012 - jan 5, 2013

Grand Opening $ ,990 454 THIS WEEKEND

IN TOTTENHAM

THE LEXINGTON 40’ Lot starts from

UP

UP

GARDEN DOOR

GARDEN DOOR IAL BASEMENT PLAN

PART MENT STAIRS TO BASE WITH OPTIONAL

DECK

OPTIONAL UPPER

D

S

TRAY CEILING

T PLAN PARTIAL BASEMEN MENT STAIRS TO BASE WITH OPTIONAL 6’0” PATIO DOOR

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DINING ROOM)

LIVING ROOM 14’6”)

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UNFINISHED BASEMENT

18’6” x 15’0” (17’0”

x

10’4” x 9’0”

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ION LANDING LOCAT TO GRADE MAY VARY DUE

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x

ALL 42" HIGH HALFW

UP

BATH

GARDEN DOORS

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18’0” x 22’0”

UNFINISHED BASEMENT

BATH

DINING ROOM)

13’0” x 15’0” (13’10”

GARDEN DOORS

GARAGE

ALL 42" HIGH HALFW

18’0” x 22’0”

BEDROOM 2

BALCONY

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13’0” x 9’0”

UP

FOYER

ALL 42" HIGH HALFW

13’0” x 9’0”

OR GROUND FLO ELEVATION B

FOYER

ELEVATION B – 2,628 SQ.FT.

BEDROOM 2

BALCONY

UP

LOW HEADROOM

LOW HEADROOM

OPEN TO LIVING ROOM BELOW

ALL 42" HIGH HALFW

UP

S

UP

OPTIONAL GAS FIREPLACE

HWT

ION LANDING LOCAT TO GRADE MAY VARY DUE

F

OPTIONAL PANTRY

3 PIECE ROUGH-IN BATH

UP

DN UP

OPTIONAL PANTRY

S

FLUSH BREAKFAST

BAR

DW 3 PIECE ROUGH-IN BATH

DN

PDR

BEDROOM 4

FLUSH BREAKFAST

ROOM RECREATION (13’7”)

SECOND FLOOR ELEVATION 'B'

PORCH

SECOND FLOOR ELEVATION 'B'

PLAN

PLAN

UNEXCAVATED PORCH

Towns from

PLAN

33’ Lots from

PLAN

ALL 42" HIGH HALFW

SALES PAVILION

UP

ALL 42" HIGH HALFW

FOYER

SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm UP

FOYER

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40’ Lots from

$314,990

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GROUND FLOOR ELEVATION 'B'

PLAN

BEDROOM 2 13’10” x 9’5”

SLOPED CEILING

BASEMENT PLAN

GROUND FLOOR ELEVATION 'B'

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TOT T E N HA M

SLOPED CEILING

UNEXCAVATED

BEDROOM 2

millstreethomes.com 13’10” x 9’5”

PARTIAL SECOND ELEVATION 'A'

PLAN

Prices and specifications are subject to change without notice. All renderings are artist’s concept. E. & O. E. PARTIAL SECOND ELEVATION 'A'

PLAN

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82 New home guide GTA | dec 8, 2012 - jan 5, 2013

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.

dec 8, 2012 - jan 5, 2013 | New home guide GTA 83

Come Tour our Fully Decorated Models!

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

85

moneymatters

Holiday shopping without the hangover by gail vaz-oxlade

The holidays are just around

the corner and only the most savvy of us have everything under control. That’s one of the problems with our very busy lives… there’s just no time.

But if you want to have a happy holiday that doesn’t leave you holding your aching head when the bills roll in come January, you have to start planning early. The longer you wait, the more you’re prone to give in to stress, make impulse purchases, blow your budget or even buy a lame gift.

Look at your holiday spending as you would any other big-ticket item. While you’re splitting the cost among a variety of expenses, the bottom line is still the same – you’re spending a lot of money in a short period of time.

In the best of all worlds, you would have started saving for your holiday spending in January. Yes, you would have made it a budget item and set aside $10, $50, $150 a month so when the season rolled ‘round, you’d be ready.

After all, it’s way easier to set aside $100 a month than to come up with $1,200 all at once. This is how I do it, and come August I start keeping my eyes open for “deals” on things I know my friends and family will love. if you can’t do that, start here, with THIS “Holiday Spending Plan”: » Write down the amount you want to spend in each category of holiday expenses. Gifts are only the beginning – don’t forget to account for travel costs, postage and shipping, decorating, greeting cards, entertainment and photos. » List the people you plan to shop for under the gift category, then divide up your budget accordingly. Limit your budget to what you can afford right c o n ti n u e d o n p ag e 8 6 . . .

84 New home guide GTA | dec 8, 2012 - jan 5, 2013

moneymatters |

CONTINUED

List the people you plan to shop for under the gift category, then divide up your budget accordingly. Limit your budget to what you can afford right now and avoid a financial hangover in the New Year Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

A dash of planning and a dab of creativity can also help you keep your entertainment costs under control: » Invite guests to bring something to share at a potluck dinner. » Serve brunch, throw a finger-food party or host a wine and cheese tasting instead of a full-blown turkey dinner. » Co-host a party with a pal or sibling, and share the cost. » Make sure you set a dollar limit for your soirée. And list the items, ingredients and décor you’ll need and how much each will cost. » Remember, that the best gifts don’t have to cost money. If you’re financially challenged this year, offer up your time babysitting, cooking meals, house cleaning, massaging, sewing, knitting, transporting, or whatever else you’re good at. Clip a picture of the service you’ll provide and be clear on how often, as in “I’ll babysit now and avoid a financial hangover in the New Year. If you spend $500 on one weekend a month from Februa credit card at 18 per cent interest, and pay the minimum each month, it ary to June.” Or better yet, make will take you seven years – and cost $365 in interest – to pay it off. Conyour own coupon book. sider setting a dollar limit on gifts or drawing names among extended family, roommates or co-workers.

There now, you don’t have to worry » Jot down any gift ideas that you might have for the people on your list. about starting the New Year with a Comparison-shop online before heading to the store. (Don’t forget to include financial hangover. shipping costs in your calculations if you decide to buy online.)

Happy holidays!

86 New home guide GTA | dec 8, 2012 - jan 5, 2013

dec 8, 2012 - jan 5, 2013 | New home guide GTA 87

gettingyourfinancesinorder

13 essential

tax-planning strategies your tax liability or obtain refunds for taxes paid Dec. 31, the day can be nerve-wracking for those who haven’t in previous years. considered year-end tax planning strategies, according to RBC 07 Charitable donation The final day to make Wealth Management. contributions to a registered charity in order to “December 31 is second only to April 30 as a crucial date in claim the donation tax receipt on your 2012 income the tax planning calendar,” says Tony Maiorino, vice-president and tax return is Dec. 31. However, if you plan on dohead, RBC Wealth Management Services. “Because this date nating securities in-kind before year-end, ensure represents the last day of the year that potential tax savings op- that you start this process well in advance. portunities are available, you need to start planning now to help 08 Registered Retirement Savings Plan achieve your financial goals.”

(RRSP) Conversion If you are turning 71 in 2012, you cannot have an RRSP after Dec. 31. Consider Here are 13 potential tax-planning strategies to consider: making your expected 2013 RRSP contribution in December before converting your RRSP. 09 Employer Bonus Are you receiving an emFor business owners 01 Incorporated company If you are a business owner with an ployer bonus by Dec. 31? Deferring it may be a incorporated company, you may find both year-end corporate in- wise choice for you if you are expecting to be in come tax deductions and a structured retirement savings plan for a lower tax bracket in 2013. yourself through an Individual Pension Plan (IPP).

10 Registered Education Savings Plan (RESP) 02 Salaries for family members As a business owner, consider If you are contributing to an RESP, you’ll want to paying salaries to yourself and appropriate family members before ensure you have contributed the maximum allowed Dec. 31. This strategy can give your family members earned income in order to qualify for the 20 per cent Canada enabling them to make an RRSP contribution the following year Education Savings Grant by Dec. 31. and giving your business a tax deduction in the current year.

11 Moving within Canada If you plan to move 03 Purchasing assets If you are a business owner and intend on within Canada, consider that individuals pay purchasing assets for your business (such as computers), purchas- provincial tax rates on taxable income based on ing them before Dec. 31 may allow your business to claim depre- their province of residence on Dec. 31. Since ciation on these assets for tax purposes. marginal tax rates vary from province to province, you may want to consider moving prior to Dec. For individuals 31 if you are moving to a province with a lower 04 Prescribed rate loan to spouse With Canada Revenue tax rate.

Agency (CRA) stating the prescribed interest rate will remain at 12 Quarterly payments to CRA If you make a historical low of one per cent until Dec. 31, it is an opportune quarterly tax installment payments to the CRA, you time to consider establishing or modifying a spousal loan as a should consider making your final payment on or possible income splitting strategy. before Dec. 15 to avoid late interest charges.

05 Unrealized capital gains If you have unrealized capital gains, 13 Fees Remember to pay all investment manageyou may want to consider deferring them until after Dec. 31 if your ment fees, tuition fees, safe deposit box fees, acmarginal tax rate may be lower in 2013 compared to 2012. counting and legal fees if deductible, childcare 06 Tax loss selling Are you facing a large capital gain in 2012? expenses, alimony, medical expenses and any If so, you may wish to maximize the opportunities associated with business expenses by December 31 if you want selling securities that have an unrealized capital loss to help reduce to deduct them on your 2012 tax return.

While many people will be celebrating on

88 New home guide GTA | dec 8, 2012 - jan 5, 2013

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Dec 8, 2012 - Jan 5, 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

92 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

•

from $225,000

Tran Quility

monarchgroup.net •

from $520,000

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.

97 15F 9

5I

IBC 7G

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

93

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

94 Hw

5

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

1

Mason Homes

2

Page No.

•

from $221,000

99 11B

• •

from $221,000

99 11B

northglen.ca

from $219,000

99 11B

Port Hope Golf & Country Club

905--885-6565

•

from $210,000 12K

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

48 Brookfield Homes

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 $288,000

from $588,000

3I 9I

2I

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

95

gettingyourfinancesinorder

realize tax savings: some medical expenses; fitness costs and registration fees for artistic, cultural, recreational or development activities for your children under 16 (under 18 for disabled children); public transit costs; investment costs (safety deposit box rental, interest and brokers’ fees); moving costs; tuition fees and interest on student loans; and charitable and political donations. » With current interest rates at very low levels, you might want to consider loaning funds to a spouse or common-law partner who is in a lower marginal tax bracket than yourself. Your spouse can invest the loan proceeds and include any income/capital gains as their own, provided you are paid interest on the loan at the prescribed rate in effect at the time the loan is made. Work with a tax planning professional to understand the rules. » Most people must make their 2012 RRSP contribution

by March 1, 2013, but you can delay your RRSP contribution if you expect to be in a higher tax bracket in the near future, or you can make the contribution but delay claiming the amount.

Nobody likes to pay too much tax, but a » You may also be able to make contributions to a Registered bit of planning can reduce your tax liability.

Education Savings Plan, Registered Disability Savings Plan “It’s not too late to change what will go on your 2012 and a Tax-Free Savings Account. There is no tax on the income tax return when this season rolls around,” says Gary earned in an RESP or RDSP until the amounts are withdrawn, Dent of the accounting firm Grant Thornton. and any income earned in a TFSA is never taxed.

You can start to collect CPP benefits beginning as early Dent recommends talking to your accountant as age 60 and as late as age 70, but you no longer have to be about these last-minute tax planning tips: retired to begin receiving payments. If you are between 60 » If you have a capital gain in 2012 (or in any of the and 65 years of age and have not yet retired, you need to decide last three years), talk to your accountant about selling if you want to start collecting benefits. investments with accrued losses before the end of the » The government imposes a “clawback” on your Old Age year. If your spouse has realized a capital gain and you Security payments if your net income for 2012 exceeds $69,562. have an unrealized loss (or vice-versa), there are ways If you have the ability to manage the amount of income you to transfer the loss to the spouse with the gain. receive in a year, keep this threshold in mind. » Since most mutual funds distribute income and » In general, charitable donations over $200 result in tax capital gains once a year around mid-December, defer- savings at the highest marginal tax rate. ring the purchase until January will mean that you won’t have to report any income for 2012. If you’re While these tips aren’t a substitute for the recommendaplanning to sell, consider doing it before the distribu- tions of your tax adviser, and individual circumstances vary, tion date so instead of reporting an income allocation, the ideas can help begin the conversation with your acyou’ll realize a capital gain or loss. countant. More information and guidance is available online » Make certain payments before the end of the year to at grantthornton.ca NC

End-of-year

tax tips

96 New home guide GTA | dec 8, 2012 - jan 5, 2013

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dec 8, 2012 - jan 5, 2013 | New home guide GTA 97

2012 EDITION FREE

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Brought to you by january 12 - 26, 2010 | New homes Southwestern ontario 151

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Discover the Easy Living Difference of a Highcastle Home today. Our warm wishes for a wonderful holiday season.

DECEMBER2012

highcastle homes has been featured as “model home of the month� as seen in the new home guide model home calendar

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

dec 8, 2012 - jan 5, 2013 | New home guide GTA 103

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.)

104 New home guide GTA | dec 8, 2012 - jan 5, 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 dec 8, 2012 - jan 5, 2013 | New home guide GTA 105

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

2.95

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

4.45

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

2.99

3.25

3.09

Investors Group Trust n/a

3.2

4 6.50op

3.1 3.14 3.7 4.64 6.30op

3.1

3.19

5.24

MTCC 3

4.55 6.45op

3.65 3.89 2.79 4.39 6.50op

3.99

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

2.99 3.25 3.29 3.09 3.49 6.25op

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

2.74

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 6.30op

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

2.69

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. 03, 2012. Prepared By Fiscal Agents Financial Information Services 905.844.7700

106 New home guide GTA | dec 8, 2012 - jan 5, 2013

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 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

Greenpark & Starlane Homes Newmarket – Copper Hills South Final release of semis and singles on 36-, 41and 45-ft. lots.

copperhillssouth.ca

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

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

Sundance Homes Whitby – The Towns of Nichol Green Grand opening Nov. 10 of this stylish townhome community in a desirable location. nicholgreen.com

Ballantry Homes Brampton – Spring Valley Village Now open – semi-detached and detached homes surrounded by valley lands. ballantryhomes.com

Sundance Homes Scarborough – Braeburn Lane Grand opening of only 11 executive townhomes in an established Scarborough location. sundancehomes.ca

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. primonthomes.com

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 Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca Fieldgate Homes Vaughan – Vaughan Valley Estates New release – selection of 41- and 50-ft. luxury singles on traditional lots. fieldgatehomes.com Farsight Homes Alliston – Greenfields Detached single-family homes on 32- and 40-ft. lots in Alliston. greenfields@farsight.ca Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com dec 8, 2012 - jan 5, 2013 | New home guide GTA 107

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 Menkes North York – Bloom Park Towns Coming soon – townhomes at Bathurst St. and Finch Ave. menkes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Preview 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

Averton Homes Mount Albert – Victoria Highlands Coming soon – pre-register now for this community of bungalows and two-storey homes. victoriahighlands.com

Brookfield Homes Mono – Fieldstone Register now for single-family homes on 60- and 70-ft. homesites. myfieldstone.ca

North Star Homes Cookstown – Millfair Village Coming soon – luxury 50- and 60-ft. singles in the heart of Cookstown. mymillfair.com

Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.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

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 Coming soon – 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

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 Menkes Georgetown – The Enclaves of Upper Canada Coming soon – Semi-Links and detached homes in Georgetown. menkes.com 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

dec 8, 2012 - jan 5, 2013 | New home guide GTA 109

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

108 New home guide GTA | dec 8, 2012 - jan 5, 2013

advertiserindex Acorn Homes - Oak Knoll

83

Country Wide Homes - Gates of Countryside

49

Arista Homes - Upper Unionville

21

Country Wide Homes - Wismer Commons

43

14-15

Delpark Homes - Northglen

99

1

Esquire Homes - Northglen

99

Arista Homes - Vaughan Valley Estates

Aspen Ridge Homes - Credit Manor Heights

Aspen Ridge Homes - Kettle Lakes Club

IFC

Family of Magazines - Promo

100-101

Aspen Ridge Homes - King Country Estates

1

Fieldgate Homes - BlueSky Stouffville

Aspen Ridge Homes - King Oaks

1

Fieldgate Homes - Corporate

Aspen Ridge Homes - Kleinburg Hills

1

Fieldgate Homes - Potter’s Bend

Insert

Aspen Ridge Homes - Upper Cornell

1

Fieldgate Homes - The Humberlands

Insert

Ballantry Homes - Cornell

5

Fieldgate Homes - Upper Unionville

Ballantry Homes - Spring Valley Village

5

Fieldgate Homes - Valley Lands

Ballymore Homes - Lakeside Meadows

85

Fieldgate Homes - Vaughan Valley Estates

Ballymore Homes - Mill Street Village

81

Fieldgate Homes - Victoria Manor

Beaverbrook Homes - Victoria Highlands

47

Forest Hill Homes - Cornell Rouge

11

Briarwood Homes - Briarwood Estates

87

Great Gulf Homes - Stonecrest

97

Briarwood Homes - Mill Street Village

81

Great Gulf Homes - Summerlyn Village

79

Brookfield Homes - Corporate

17

Greenpark Homes - Churchill Woods

37

Brookfield Homes - Fieldstone

63

Greenpark Homes - Copper Hills South

37

caliber Homes - Kleinburg Crown Estates

31

Greenpark Homes - Gates of Countryside

49

Canvas Developments - Kleinburg Crown Estates

31

Highcastle Homes - Northglen

99

Chinese Home & Condo Guide - Promo

38

Home Decor & Renovations - Promo Subscription

62

Country Wide Homes - Corporate

43

homeTRADER.ca - Promo

110 New home guide GTA | dec 8, 2012 - jan 5, 2013

Insert

25

21 & Insert

Insert

14-15 & Insert

Insert

108

Lifestyle Communities - Promo

Plaza Premium Lounge - Promo

30

11 & 39

Primont Homes - Castlemore

13

Madison Homes - Greensborough

39

Primont Homes - Centretown

12

Madison Homes - thornhill

39

Primont Homes - Harmony

13

Mancini Homes - West Ridge Palace Orillia

89

Primont Homes - Heirloom in Markham

13

Rosehaven Homes - Corporate

27

Royal Cliff Homes - Gates of Countryside

49

Schwarz Law LLP - Barristers & Solicitors

35

Shopping Guide - Promo

82

Sky Homes Corporation - Kleinburg Crown Estates

31

Starlane Home Corporation - BlueSky Stouffville

23

Madison Homes - Cornell Rouge

66

Mattamy Homes - Cornell

9

Mattamy Homes - Corporate

8

Mattamy Homes - Mount Pleasant North

Mattamy Homes - Mount Pleasant Village

Mattamy Homes - Salisbury Square

Mattamy Homes - Seaton

9

9

9

9

Mattamy Homes - The Preserve

BC

Menkes - Corporate

6-7

Starlane Home Corporation - Churchill Woods

Starlane Home Corporation - Copper Hills South Mikey - Happy Holidays

22

Model Home Calendar - Promo

90

Starlane Home Corporation - Gates of Countryside

Starlane Home Corporation - Rivers Edge Monarch Corporation - Birkdale

IBC

Monarch Corporation - Bronte Creek

IBC

Monarch Corporation - Corporate

IBC

Monarch Corporation - Kleinburg Crown Estates

31

Starlane Home Corporation - Upper Unionville

23 & 37

37

23 & 49

23

21 & 23

Townwood Homes - Gates of Countryside

49

Treasure Hill Homes - Corporate

45

Treasure Hill Homes - Thornhill Woods

45

Monarch Corporation - Tran Quility

IBC

Mosaik Homes - Kleinburg Crown Estates

31

Tribute Communities - Landscapes

19

Paradise Homes - Upper Unionville

21

Your First Home & Condo - Promo

98

dec 8, 2012 - jan 5, 2013 | New home guide GTA 111

fundamentallyspeaking

Long-term view of your new-home buy produces a brighter picture

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

by Wayne Karl

Remember, when you buy a home, you don’t buy a national market. market. It’s time well spent, for all of this due diligence will prepare you for one of the most important steps you’ll ever take, and will help you make the necessary decisions from an informed and confident point of view.

Managing this process also includes keeping abreast of financial news, as well as any developments in your job security and credit-worthiness, and in the neighbourhood you’re considering buying in.

It’s early-December, the holiday season Remember, when you buy a home, you don’t buy a approaches and we’re near the end of 2012. It’s a natural national market. You don’t even buy a provincial, regioncheck-point to assess how Canada’s economy, industries, al or even metropolitan one. You buy one property on one real estate market and other sectors have performed this street in a particular area of a city or town. What happens year, and what may lie ahead in 2013. Various housing in one neighbourhood may be completely different from agencies, realty firms, major banks and other stakeholders what’s going on in another in the same city, or from one continue to release reports, reviews and forecasts of the street to the next, and certainly from house to house.

What’s challenging to one market might be a cause for months passed and those about to unfold.

Meanwhile, there’s interest rates and prices of con- growth in another.

That’s why it’s important to not be overly concerned sumer goods to monitor, some sectors face challenging conditions and there’s still some concern about overall or excited by national trends and averages – be they positive or negative, disconcerting or glowing, about employCanadian and global economic performance. ment, home prices, housing starts or other important factors. Yes, pay attention to them all and file them as How to make sense of it all?

Welcome to the first steps of becoming a homebuyer. Long part of your research, but it’s more relevant to watch local before you visit your banker or start attending grand open- developments that truly affect you and your market.

Experts suggest you take a long-term view – five to ings, model previews or open houses, experts say you should undertake a thorough self-education process that seven years – of your home-buying decision. This will involves learning the basics of mortgages, reviewing your likely produce a brighter and more stable picture than personal finances and researching your prospective home anything caused by short-term vacillations.

112 New home guide GTA | dec 8, 2012 - jan 5, 2013

Like Where You Live.

LOVE OUR COMMUNITIES.

M

MO

tm

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• Discover luxurious features and finishes that elevate your lifestyle, priced from the high $500,000’s only 6 townhomes remain. Call us at 416.495.3563.

BRONTE CREEk TwO-STOREy TOwNHOMES

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Ask about our special bonus packages.

Follow us on:

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HOUR

twitter@monarch_group facebook/monarchcorp

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. December 2012. 20009

MONH 20009 Tranquilty NH&C GTA 3Pgr Nov 12.indd 2-3 Untitled-1 1

12/5/12 10:51:13 AM

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KITCHENER

KLEINBURG

7 Homes Remain From the low $500,000’s For an appointment call 519.729.2002

Now opeN!

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lasT ChaNCe!

Only 2 homes remain From the low $500,000’s 416.495.3542

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AJAX

MARKHAM

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ALWAYS HOME.

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Surrounded by the lush and natural green space of carruther’s creek, discover 40' single-family homes up to 4,534* sq. ft.; some designs with loft and finished lower levels

•

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•

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•

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•

priced from the low $500,000’s

TWO DESIgNER DECORATED MODEl HOMES TO VIEW sales CeNTRe: 30 Barnfield crescent, ajax (audley rd., South of rossland rd.) 416.495.3542

Follow us on:

Like us on:

twitter@monarch_group facebook/monarchcorp

monarchgroup.net

VisiT us oN FaCebook aNd 'like' ouR page aNd MoNaRCh will doNaTe a dollaR To a ChaRiTy oF youR ChoiCe.

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. December 2012. 20009

mattamyhomes.com

The Preserve Is Now Open.

THE

PRESERVE OAKVILLE

We Present Uncommonly Fine Living in 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., $369,990

45' Home, The Orchid, Elev. ‘E’, 3,739 Sq.Ft., $873,990

Hwy 40 3

Sales/Design Centre

4th Line

Detached Homes From $599,990

Bronte

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3rd Line

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.