The Home Builders' Annual - GTA 2014

2014 The Only Complete Resource Directory of GTA Home Builders

DISCOVER THE

GTA’s top builders and developers ONE SUCCESS STORY AT A TIME

PEARLS OF WISDOM Expert homebuying tips for 2014

5 GREAT REASONS to buy a new home

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Editor’s Note

I

Why a new home in the GTA represents opportunity for today’s consumers

f you already live in the GTA and are looking to buy a new home here, quite likely you already know all about everything the area has going for it: strong and diverse economy, top destination for immigrants to Canada, employment and income growth, healthy housing market, improving transportation infrastructure...

Add to this scenario the prospect of continuing historically low mortgage interest rates – despite gradual increases forecast for late this year – and you’ve got characteristics that conspire to make buying a new home an unbeatable opportunity.

What you may not be too familiar with, and what we’re hoping you learn more about as you enjoy this 2014 edition of the GTA Home Builders’ Annual, is the quality of the new homes on offer from Toronto and area builders. Homebuyers’ needs and demands are changing at an increasing pace, from Green components, to location, to transportation, to neighbourhood amenities, to housing type and size, and of course, to pricing.

All things considered, Toronto and area builders, you should know, offer among the best new home options anywhere in the country. They are keenly aware of today’s consumer needs, and are impressively adept at delivering on all counts.

Take a read through this issue, get out there to tour the communities and drop us a line to let us know your thoughts. Once you see for yourself the selection and quality available in Toronto today, we’re confident you’ll agree that a buying a new home here represents an opportunity you can’t pass up.

Wayne Karl Editor, Wall2Wall Media wayne.karl@wall2wallmedia.com Twitter: @WayneKarl

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2014 table of contents 14

03 Editor’s Note 09 Legally Speaking

When buying a new home, do your due diligence

by Jayson Schwarz

10 Social Media Directory

A list of social media accounts from GTA builders and developers to help you stay connected

14 OHBA Report

Five great reasons to buy a brand new home

by Joe Vaccaro

25 Tarion Report

48 Expert Panel

32 Fundamentally Speaking

53 The GTA Home Builders’ Roster

Quality homes, guaranteed: builder warranties backed by Tarion

by Howard Bogach

Why the GTA housing market is fundamentally solid in 2014

by Wayne Karl

40 Style File

10 top decor tips for 2014

by Yanic Simard

44 Trends 2014

Pearls of wisdom: what are the most important factors to keep in mind when buying a new home in 2014?

A comprehensive list of new-home builders in the GTA

64 Mortgage Matters

Thinking of purchasing a new home? Thinking mortgage options? Tread carefully!

by Tom Gasparec

Style Report: what’s trending in decor for 2014?

by Sara Duck

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2014 The Only Complete Resource Directory of Southwestern Ontario Home Builders

vice-president, wall2wall media

Jacqueline Hill

Director of Sales, National

Josh Heppner sales manager, GTA new homes, Condo guide, home and décor

Conni Robinson

associate publisher, SWO New homes, Lifestyle Communities

Susan Maxwell

editor-in-chief / Director of content

Susan Legge

senior account executives

Nina Downs Dionne Fraser Amanda Bell editor

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Wayne Karl sales & merchandising co-ordinator

Antoinette Jackson

Manager of production

Bala Gnanapandithan

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art director

Daiana Garay production co-ordinator

Mohammad Haidarpour graphic designer

Viosa Barileva

2014 GTA Home Builders’ Annual #500-401 The West Mall Etobicoke, On M9C 5J5 T 416.626.4200 F 416.784.5867

Advertising: Call 416.784.5060 for advertising rates and information.

Circulation : Polybagged with the March 22 issue of New Home Guide. Available at GTA home shows, through direct distribution in the GTA market and by consumer request.

GTA new-home Builders’ Index

Industry and Décor centre suppliers

Fieldgate Homes

42

Dominion Doors and Windows Ltd.

6-8

Monarch Corporation

43

Stone Selex

11-13

Great Gulf Homes

16-18

Aspen Ridge Homes

19-21

Menkes Developments

22-24

The Daniels Group

27-29

Rosehaven Homes

IFC-2

30-31

National Homes

33-35

CountryWide Homes

37-39

Averton Homes

IBC

Aspen Ridge

Back cover Mattamy Homes

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builders helping to heal

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Sick Kids Foundation

Copyright 2014 All rights reserved by Wall2Wall Media Inc., 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.

Terms Advertisers, Editorial Content and 2014 GTA Home Builders’ Annual 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.

Published By

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.

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Monarch first.

In m gr M to re co an an

Before the ‘60’s changed the world.

Before the Baby Boom began. Before the Roaring ‘20’s took us dancing to the Charleston or out to the movies, Monarch was here. First. For 96 years, families have trusted Monarch for the most important investment of their lives.

So choose the one builder who has always been there for Canadian families.

And visit Monarch. First.

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The Essex Model at Kleinburg Crown Estates

For almost a century, families have chosen Monarch. first.

As the time-honoured saying goes, the most important investment that most people will ever make is a home. Since 1917, Canadian families have trusted Monarch for this major decision, and made the name synonymous with dependability since before the heady 1980s ushered in the electronic age, before the 1960s boomer generation changed our views and even before the roaring 1920s got us dancing.

Inquire around. You’ll be surprised how many of your family, friends and their families grew up in a Monarch home, chose Monarch for their home, remained loyal to Monarch for their trade up homes, even referred Monarch to friends. Monarch is consistently recognized by its customers and in the industry for superior quality and outstanding customer satisfaction.

discover more

First in single family home communities Monarch offers a number of single family home communities in the Greater Toronto Area, with stunning model homes open to tour. Kleinburg Crown Estates is an all detached, master planned community of spectacular homes on deep lots. The Village of Southfields, one of Caledon’s most successful established master planned communities, offers singles and townhomes. Tranquility in Ajax is a fully detached neighbourhood in a ravine setting close to everything yet surrounded by nature. Limited number of towns remain at Evergreen, in one of Scarborough’s most popular neighbourhoods. Registrations are being taken for singles coming soon to Topper Woods in Kitchener and townhomes at Danforth and Eglinton.

MonarchGroup.net

Headquartered in Toronto, Monarch is one of Canada’s oldest and largest home builders. Monarch has consistently been recognized in the home building industry and by its customers for superior quality and outstanding customer satisfaction.

Monarch builds and develops singlefamily detached and attached homes in Toronto and Ottawa and builds highrise condominiums in the Greater Toronto Area. Monarch focuses on style, design, quality and livability in all of its homes and is the Canadian brand of Taylor Morrison Home Corp. For more information on Monarch, please visit: Monarchgroup.net twitter.com/monarch_group facebook.com/monarchcorp

first.

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MONARCH COMMUNITIES

The jewel in the Monarch crown is upscale Kleinburg Crown Estates. Manor-inspired four and five bedroom residences up to 4,486* sq. ft. are set on traditional deep 42’ and 50’ lots in a master planned community just minutes from the charming Village of Kleinburg. Monarch’s breathtaking Models are a must-see.

CALEDON | SOUTHFIELDS | SINGLES & TOWNHOMES SINGLES FROM THE LOW $$600,000’s TOWNS FROM THE UPPER $$300,000’s Sales Centre located at 12515 Kennedy Road (Kennedy Rd. and Mayfield Rd.) 905-843-0707 AJAX | TRANQUILITY | DESIGNER DECORATED MODELS SINGLES FROM THE UPPER $$500,000’s Sales Centre located at 3 Bignell Crescent (Salem Rd. North & Rossland Rd. East) 416-495-3542 SCARBOROUGH | EVERGREEN | TOWNHOMES TOWNS FROM THE UPPER $$400,000’s Sales Centre located at 70 Town Centre Court (Town Centre Crt. and Borough Dr.) 416-495-3574 SCARBOROUGH | DANFORTH ROAD & EGLINTON | COMING SOON KITCHENER | TOPPER WOODS | COMING SOON

ALSO BUILDING HIGH RISE COMMUNITIES IN:

ETOBICOKE WATERFRONT | THE KINGSWAY | DOWNTOWN TORONTO HOURS: Monday – Thursday: 1pm – 8pm, Friday: 12pm – 5pm, Weekends & Holidays: 11am – 6pm

discover more

MonarchGroup.net

first.

Prices and specifications subject to change without notice. *Square footage includes finished lower level landing.

Please see sales associate for complete details. E&OE 2014 8

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Legally Speaking

When buying a new home,

do your due diligence

by Jayson Schwarz LL.M.

Purchasing a new home will likely be the largest investment you ever make. Think about that...

Why, you ask? The answer is that in my 35 years of practicing law, I have seen young couples spend more time researching a new telephone than a new home!

The most important advice I can give, and if you take anything from this article, it is this: research everything ahead of time, such as prospective builders, areas, amenities, property taxes, lawyers, your financial ability, zoning, bylaws and neighbours. And don’t allow yourself to be pressured by anyone.

What can you afford?

Review your available cash for deposit and annual income to pay a mortgage and expenses. Once you have done that, speak to the mortgage specialists at the bank you deal with and speak to a reputable mortgage broker. Companies such as the Mortgage Centre in Mississauga and Mortgage Providers in Toronto have the experience and integrity to get you the best deal. Find out how much money you can borrow and how much of a deposit you’ll need to put down. This will allow you to focus on homes you can afford. Get a pre-approval in writing so you have something to rely on, because especially today, it is critical that you do not get caught up in the rush of buying a house that is beyond your budget.

Do you want a condo or a freehold?

Condo living provides a carefree lifestyle – someone else cuts the grass and shovels the snow – but you pay additional monthly common expenses and sometimes others determine how the amenities, if not your unit itself, can be used. Freehold provides the freedom to do what you want, but maintenance and upkeep fall on your shoulders. The choices are boundless.

Once you determine what kind of home you want, you need to decide new or resale.

If new, the offers are long and filled with clauses that could cost you money or result in long delays. Be sure to see an experienced real estate lawyer familiar with these kinds of agreements before it is final and no longer conditional. Research the builder and go to other sites the company has done and ask people about quality and after-sales service.

Find the right lawyer A lawyer must advise you at the time you make your offer, to guide you in understanding the offer (Agreement of Purchase and Sale).

The right lawyer will explain how real estate agents work, what

documents you will sign and what is to be included in the offer. It is important that your lawyer explains all the potential costs you will face and what you may encounter. Ensure that you arrange a pre-agreed fee with the solicitor. Get the fees locked in. The fee to close a standard resale home or condominium priced less than $500,000 should be somewhere between $800 and $900, plus HST and disbursements. This may vary in special circumstances. Also, make sure you get a free offer review. Then have your lawyer provide you a list of disbursements – those monies expended on your behalf necessary to properly search and close the transaction. This is where some lawyers may try to charge large fax, mail and photocopy fees.

Make your lawyer justify all expenditures that don’t make sense.

Miscellaneous Do you have a will? If you do, is it up to date and does it represent your current situation and state of affairs?

A will prevents sibling disputes, clarifies who will look after children, keeps the government out of your affairs, allows for an orderly disposition of everything from possessions to your realty, stocks and bonds, and will help guide your funeral arrangements.

You will also need insurance for the home. This is the right time to look at life and disability insurance, to determine if you should be insuring your mortgage in case something happens to the major wage-earner.

As you can see, there is a lot to consider when buying a new home. Being prepared will help you enjoy the experience and find that dream home.

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.

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GET SOCIAL

social media

directory

and STAY CONNECTED

A LIST OF SOCIAL MEDIA PAGES FROM GTA BUILDERS AND DEVELOPERS TO HELP YOU STAY CONNECTED

Aspen Ridge Homes

Aspen Ridge Homes

The Daniels Corporation

facebook.com/AspenRidgeHomes

@aspenridgehomes

youtube.com/user/TheDanielsCorp

CountryWide Homes www.facebook.com/countrywide.homes

CountryWide Homes @CountryWideHome

The Daniels Corporation

The Daniels Corporation

facebook.com/thedanielscorporation

@TheDanielsCorp

Fieldgate Homes

Fieldgate Homes

facebook.com/fieldgate

@Fieldgate

Great Gulf

Mattamy Homes

facebook.com/greatgulf

@MattamyGTA

Mattamy Homes

Menkes Developments

Aspen Ridge Homes

facebook.com/MattamyHomesGTA

@MenkesLife

instagram.com/aspenridgehomes

Menkes Developments

Monarch Corporation

The Daniels Corporation

facebook.com/MenkesLife

@monarch_group

instagram.com/thedanielscorp

Monarch Corporation

Rosehaven Homes

Menkes Developments

facebook.com/monarchcorp

@ThisIsRosehaven

instagram.com/menkeslife

Fieldgate Homes fieldgatehomesblog.com

National Homes

Monarch Corporation

facebook.com/NationalHomesCanada

Instagram.com/monarch_group

Rosehaven Homes

Aspen Ridge Homes

facebook.com/rosehavenhomes

pinterest.com/aspenridgehomes

The Daniels Corporation pinterest.com/thedanielscorp

Mattamy Homes pinterest.com/mattamyhomes/

The Daniels Corporation

linkedin.com/company/the-daniels-corporation

Menkes Developments

linkedin.com/company/menkes-developments-ltd

Monarch Corporation Pinterest.com/monarchgroup

National Homes pinterest.com/nationalcanada/

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Come Home to Great At Great Gulf we put our energy into leading edge construction technology, architectural and interior design.

Our ability to build homes that offer the highest level of building precision,

WESTFIELD BRAMPTON Welcome to Westfield; a new community located at the coveted address of Mississauga Road and Steeles Avenue in Brampton. At Westfield, you’ll find an affluent urban setting where rolling landscapes merge with Great Gulf’s elegant family home designs and sought after community services and amenities, all within minutes from your doorstep.

functionality and beauty, allows our homeowners to live with supreme comfort and peace of mind.

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KINg OAKS KINg CITY King Oaks is an impressive Estate community tucked, into a private enclave in King City. Here, Great Gulf teamed with acclaimed interior designer Brian Gluckstein to create a signature collection of luxury 70’ and 80’ lot homes with distinctive finishing touches and craftsmanship. King Oaks is also the first community where Great Gulf has offered signature landscaping and hardscaping packages which include swimming pools and terraced gardens.

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SUMMERLYN VILLAgE BRADFORD A stunning master-planned community located north of the GTA, Summerlyn Village offers a setting integrated with natural elements. Residents enjoy 60 acres of environmentally protected open space that includes ponds, creeks, parks, a wildlife corridor and wetlands interspersed with miles of hiking and bike trails. Close to schools and popular shopping amenities, Summerlyn Village is an ideal community for first-time buyers or families looking for a larger detached home and better value.

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OHBA Report

5 great reasons

to buy a brand new home

by Joe Vaccaro, CEO Ontario Home Builders’ Association

Decisions, decisions, decisions – there are certainly

lots of them to make when buying a home, and one of the most significant is whether to buy a brand new or resale home.

Last year, there were more than 61,000 new home and condo starts in Ontario, and in 2014 Canada Mortgage and Housing Corp. (CMHC) forecasts about 60,000 starts.

So, what makes thousands of consumers choose to buy a new home or condo versus a resale home? Here are five good reasons: Design It all starts with design. Good home design begins with an understanding of how people live in their homes.

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Times have changed. Families have changed, and with that, our lifestyles have evolved. New home builders offer fresh, innovative plans and designs that meet the needs of today’s consumers, using modern technology to build homes and condos that are attractive, highly functional and feel good to live in.

These homes include efficient use of space, open layouts, plenty of natural light, functional kitchens, flexible space and of course, lots of storage – something that’s usually absent in older homes.

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Thanks to major advances in building techniques and product innovation, today’s new-home owner can expect to use only half of the energy required to operate a similar home built in 1950, and at the same time enjoy a far more comfortable living environment Energy Efficiency The energy efficiency of Canadian homes has improved substantially over the years. Thanks to major advances in building techniques and product innovation, today’s new-home owner can expect to use only half of the energy required to operate a similar home built in 1950, and at the same time enjoy a far more comfortable living environment. From windows and insulation to state-ofthe-art heating and air conditioning systems, today’s new homes are superior when it comes to energy efficiency.

And we can expect that advances in energy efficiency will continue to grow as the price of energy goes up and we, as a society, recognize our responsibility to conserve energy and reduce our own environmental footprint.

Environmentally Responsible Products No doubt about it, today’s new homes are much more environmentally friendly than those built 40 or 50 years ago. Great advances have been made in developing and manufacturing building products that contribute to the Greening of Canadian homes and condos. Manufacturers and suppliers are continually looking for ways to make their products and systems more acceptable to today’s environmentally savvy customer.

Safety In part because of changes to Ontario’s Building Code over the years, new homes boast many products and features that ensure your family home is a safe environment. Whether it is superior air ventilation and heating systems, stair railings and risers built to code, improved electrical components, or products with fewer gas emissions, a new home is built to an alwaysimproving building code. A newly built home is also inspected during various phases of construction, ensuring that it is built to minimum energy efficiency as well as code and safety requirements.

Warranty Program In Ontario, builders must be registered with the Tarion Warranty Corp. program which offers one of the best, most comprehensive warranty coverage programs in the country. New-home buyers benefit from deposit protection and protection against delayed closings or occupancies without proper written notices. New-home owners are also covered against defects in work and materials, and major structural defects.

The pluses to buying new really add up.

Newly built homes and condos use advanced design, materials and construction techniques that provide buyers with a wide range of options and great value – something to think about when you are making decisions about the purchase of a home.

Joe Vaccaro is the chief executive officer of the Ontario Home Builders’ Association (OHBA). The OHBA represents 4,000 member companies organized into a network of 31 local associations across the province. Together they build 80 per cent of the new housing in Ontario. ohba.ca

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Life Storeys of Excellence.

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Your Life Storey always comes first.

2013 Tarion Award of Excellence Finalist For the last sixty years, Menkes has been a central chapter in the Life Storeys of so many. Menkes has always focused on building homes in the city’s most desirable and accessible locations. Discover elegant family homes in communities across the Greater Toronto Area that exude this company’s trademark character, charm and lasting value. Come home to Menkes today, where your Life Storey always begins and ends with total customer satisfaction.

Facebook.com/MenkesLife

@MenkesLife

Prices and specifications are subject to change. E.&O.E. March 2014.

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NOW OPEN

NOW PREVIEWING

NOW OPEN

Burnhamthorpe Rd. & West Mall Etobicoke Starting from the mid $300’s 416.259.2525

Brown’s Line & Evans Ave. Etobicoke Starting from the $480’s 416.255.7468

Guelph St. & MacFarlane Dr. Georgetown Starting from the low $400’s 289.891.9103

UNDER CONSTRUCTION

FINAL RELEASE

NEW RELEASE

Bathurst St. & Finch Ave. North York Starting from the low $300’s 416.730.1600

Salem Rd. North & Williamson Dr. East Ajax Starting from the low $500’s 905.428.0500

Dundas St. West & Bronte Rd. Oakville Starting from the low $300’s 905.825.3619

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THE DANIELS CORPORATION BRINGS INTEGRITY, WE BUILD. YOU SEE OUR COMMITMENT TO

THE DANIELS CORPORATION IS ONE OF CANADA’S PRE-EMINENT BUILDER/DEVELOPERS, BUILDING MORE THAN 30,000 NEW HOMES ACROSS THE GREATER TORONTO AREA FOR 32 YEARS. Our motto “Love Where You Live” extends to every aspect of homebuilding, from the conception of each community to well after our homeowners move in. We put “people first” every step of the way and build for everyone, from those looking for rental accommodations to first-time homebuyers, growing families, empty-nesters and seniors. And through it all, each and every home is crafted with Daniels’ legendary quality and attention to detail.

In 2014, we look forward to continuing to grow our popular FirstHome™ Program and creating new homeownership opportunities in Toronto’s Regent Park, Erin Mills, Aurora, Newmarket and Brampton.

In addition, we will continue to expand our various corporate initiatives including our innovative programs that support urban agriculture, pioneering new approaches to décor and art in our condominium communities by supporting local artists, helping people achieve homeownership, championing neighbourhood initiatives that enhance residents quality of life, and supporting numerous charities and non-profit organizations.

Most importantly, we will continue to work hard to ensure our homeowners truly ‘love where they live’.

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C E

Y, O

CREATIVITY AND VISION TO EVERY COMMUNITY EXCELLENCE IN EVERY EXQUISITE DETAIL. ON SALE NY2 CONDOMINIUMS At Bayview Avenue and Sheppard Avenue - Final few suites remain RENT2OWN from $1,489 / month or purchase from the mid $200,000s 416.221.3939 Ny2condos.com

Actual photograph

THE HIGHLANDS An Exclusive Enclave of Townhomes Surrounded by Nature in Newmarket Already Under Construction Townhomes from the mid $400,000s 905.853.4443 Danielshighlands.com

CINEMA TOWER In Toronto’s Entertainment District - Final few suites remain from the mid $400,000s 416.203.2020 Cinematower.com

HIGHPARK CONDOMINIUMS Overlooking High Park in Bloor West Village - Under Construction Suites from the $300,000s and Two-Storey Walkouts from $699,900 416.351.1844 Danielshighpark.com

COMING SOON FIRSTHOME™ AURORA Fully-Built Condominium Townhomes in two great locations at John West Way and Lewis Honey Drive - Under Construction and coming this spring - from $249,900 905.821.0822 Danielsfirsthome.ca

ONE PARK PLACE SOUTH TOWER In the Heart of Toronto’s Downtown East - Under Construction and coming this spring. Suites from $199,900 416.955.0559 Danielsoneparkplace.com

DANIELS ERIN MILLS At Eglinton Avenue and Erin Mills Parkway.

The Dawn of a New Landmark Community is coming this fall.

905.306.6996 Danielserinmills.com

DANIELS EVERMORE A ravine community coming this spring to Castlemore, Brampton. Under Construction: Towns from $399,900 Semis & Ravine Lot Singles from $549,900 905.573.8792 Danielsevermore.com

For more information on Daniels Communities across the GTA visit www.danielshomes.ca Check us out on Twitter and Facebook Illustrations are artist’s concept. Prices and specifications are subject to change without notice. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. Brokers Protected. E.&.O.E.

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OVE WHERE YOU LIVE LOVE WHERE YOU L HOMECOMINGS ARE AYOU WAYLIVE L WHERE HAPPY YOU LIVE LOVE WHERE VE LOVE WHERE YOU LIVE LOVE WHERE OF LIFE AT DANIELS COMMUNITIES! WHERE YOU LIVE LOVE WHERE YOU LIVE VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE L VE LOVE WHERE YOU LIVE LOVE WHERE WHERE YOU LIVE LOVE WHERE YOU LIVE VE LOVE WHERE YOU LIVE LOVE WHERE FIRST-TIME HOMEOWNERS AT FIRSTHOME TM EGLINTON WEST IN MISSISSAUGA

PROUD HOMEOWNER AT LEWIS HONEY TOWNS & SEMIS IN AURORA

RESIDENT GARDENING COMMITTEE AT FIRSTHOME TM HAZELTON PLACE IN MISSISSAUGA

FIRST-TIME HOMEOWNERS AT FIRSTHOME™LONG VALLEY PHASE ONE IN MISSISSAUGA

PROUD HOMEOWNER AT ONEPARK WEST CONDOMINIUMS IN TORONTO’S REGENT PARK

HAPPY HOMEOWNERS AT THE CHELSEA IN DANIELS NY TOWERS COMMUNITY

HAPPY HOMEOWNERS AT THE BURKEBROOK TOWN MANORS AT KILGOUR ESTATE

HAPPY HOMEOWNER AT PAINTBOX CONDOMINIUMS IN TORONTO’S REGENT PARK

JOYFUL HOMEOWNERS AT ONEPARK WEST URBAN TOWNHOMES IN TORONTO’S REGENT PARK

RESIDENT GARDENING COMMITTEE AT ONEPARK WEST CONDOMINIUMS IN TORONTO’S REGENT PARK

FOR MORE INFOR M ATION ON DANIELS COMMUNITIES ACROSS THE GTA VISIT: www.danielshomes.ca

See what our homeowners are saying 24

#lovewhereyoulive

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Tarion Report

Quality homes, guaranteed Builder warranties backed by Tarion

by Howard Bogach

When buying a new home, there are many decisions to make: downtown or suburbs, two or three bedrooms, hardwood or laminate. But the one thing you don’t have to worry about is your new home’s construction.

That’s because almost every new home and condo sold in Ontario comes with a builder’s warranty, backed by Tarion.

The warranty process starts before your builder even breaks ground, and lasts for seven years from when your new home or condo is completed and ready for possession. Although it is often lumped into one warranty for simplicity’s sake, in reality, just about all new homes in Ontario come with deposit and delayed closing protection, in addition to three separate warranties that provide different types of coverage at different points in the life cycle of your home.

Your deposit protection and delayed closing protection begins before you move in. Deposits are protected up to a maximum of $40,000 for freehold homes in the event that your builder goes bankrupt, breaches the purchase agreement or in situations where you are legally entitled to back out of the purchase agreement before closing.

The delayed closing and occupancy provision means your builder guarantees that your home or condo will be ready for move in either by a date specified in the purchase agreement or by a date that has been properly extended if circumstances occur that delay your condo’s completion. In many cases, your builder will be required to compensate you if a delay occurs.

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The warranty process starts before your builder even breaks ground, and lasts for seven years from when your new home or condo is completed and ready for possession.

The one-, two- and seven-year warranties begin when your home is complete and ready for possession. The one-year warranty covers defects in work and material, protects against unauthorized substitutions and ensures your home is fit for habitation and constructed according to the Ontario Building Code. The first-year warranty includes almost everything inside and outside your home that was provided by the builder, from flooring to drywall to heating and air conditioning systems, and is in place for one year from your home’s date of possession.

The two-year warranty protects against defects in work or materials in the electrical, plumbing and heating delivery and distribution systems owned by your unit. It continues to provide protection against violations of the Ontario Building Code that affect health and safety, and applies for two years beginning on the home’s date of possession.

The seven-year warranty, referred to as the Major Structural Defect Warranty, provides coverage for any 26

defect in work or materials that results in failure of a structural, load-bearing element of the building or one that would reduce the expected life span of a structural element.

It also includes protection against a defect that adversely affects the use of the home.

Howard Bogach is president and chief executive officer of Tarion Warranty Corp.

For more information about how Tarion helps new-home and condo buyers, visit online at tarion.com or find them on Facebook at facebook.com/TarionWarrantyCorp.

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Fundamentally Speaking

Why the GTA housing market is

fundamentally solid in 2014

by WAYNE KARL

WHEN BUYING A NEW HOME, CONDUCTING YOUR RESEARCH and due diligence is paramount. One of the best resources – whether you’re a first-time or move-up buyer – is Canada Mortgage and Housing Corp. (CMHC). And of all the valuable information and data CMHC produces, none is more educational than its annual housing outlook conferences. If ever there was an excellent refresher on the fundamentals that determine and support real estate market conditions, and puts it all in perspective, this is it.

Here is a summary of some key points for the GTA: » The economy: Throughout 2013, the economy in Toronto has seen a steady decrease in unemployment as a result of strong employment growth. Although the four-per-cent employment growth of the first three quarters of 2013 will not be sustained for the full year and through 2014, the average unemployment rate will fall to 7.7 per cent 2014, the lowest it has been since the economic downturn in 2008. Income growth will match employment growth. The strengthening U.S. recovery will be of greater benefit to Ontario than western Canada, as Ontario employment is more strongly correlated to cyclical movements in the U.S. economy. » Mortgage rates: Mortgage rates to see modest and gradual increases late in 2014, but will remain low by historical standards. This outlook will continue to support housing market activity next year. » Housing starts: Housing starts, an important indicator of growth and health of the housing sector, will ease slightly in 2014. Rapid growth in the price for new single-detached homes will shift demand to more affordable low-rise options such as semi-detached and rowhomes. » Employment and immigration: As the leading indicator of housing demand, employment levels will continue to support the housing market. Migration accounts for close to two-thirds of population growth and household formation in Toronto. In the last few years, the number of people moving to Toronto from other provinces roughly matched the number moving to other provinces, but in the year ending June 2013, the balance shifted in favour of western Canada. At the same time, net 32

gains from international migration diminished. » GTA market: So, what does all this mean for the GTA? The housing market is forecast to remain stable in 2014, CMHC says. Housing starts will shift to multi-family, mortgage rates will rise gradually, keeping existing home sales growth modest. » GTA opportunities: These relatively minor challenges in the short term underline the importance of looking at home purchases over the long term. Prices of single-family homes in Toronto may be rising to the point of testing sustainable affordability, but areas outside the city offer a reasonable alternative. Richmond Hill, Newmarket, Mississauga and Pickering are examples of high performing areas; Etobicoke, Brampton, Aurora and Milton also perform well but are more affordable.

Looking at the big picture and long term for the GTA, the important determining factors are – fundamentally solid.

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

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— BUILDER STORY —

BUILDING A REPUTATION FOR QUALITY AND INTEGRITY NATION-WIDE Most residential developers are content with building homes in their own locale, and rarely undertake projects outside the province in which they started. But some home builders aspire to something greater.

Averton Homes is one of that rare breed of national home builders – a company with the vision and the drive to build new home communities from coast to coast. Since 1958, Averton’s principals have completed over 100 residential projects and created over 10,000 homes and condominiums across North America, winning multiple awards for quality and design.

Evolution

Averton Common

Victoria Highlands

All renderings are artist concept.

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Mt. Albert streetscape

The Averton name is still relatively new, born a few years ago through uniting the talent and established track records of Ontario’s Beaverbrook Homes and Alberta’s Westbrook Homes, at the same time as it initiated a significant operation in British Columbia.

that inspired the founders over 50 years ago has come to fruition. The organization that was established in 1958 in Toronto as a family-run business, grew steadily over the next five decades, from building singlefamily homes to entire communities in numerous markets throughout the Greater Toronto Area.

A HISTORY OF HOME BUILDING With Averton Homes now operating in three provinces, the vision

ONTARIO At Victoria Highlands in historic

Maestro Condominiums

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Mount Albert. Averton presents an incredible selection of homes on 33’, 40’ and 65’ lots. With Mount Albert’s population of 3,500, homeowners enjoy an inviting “small town” feeling and friendliness that you just won’t find in the big city. It’s a charming community in the town of East Gwillimbury, just 10 minutes from Newmarket and Stouffville, 20 minutes from Markham, and 45 minutes from Toronto.

Averton Common in the Village of Kleinburg offers its own small town attractions but coupled with the world famous McMichael Gallery located nearby. It is comprised of three interconnected but distinct buildings -- The Mill House, The Manor Building and The Inn Residences, each with an offering of suites distinguished by their own unique features and characteristics.

While both Victoria Highlands and Averton Common are under construction, Evolution in Etobicoke is fully complete – a spectacular boutique condominium just steps from shops, restaurants and cafes of Islington Village and The Kingsway. Islington and Kipling subway stations are both just a short stroll, with downtown Toronto just 20 minutes away Averton Square in Niagara-onthe-Lake offers beautiful bungalows on 50-foot lots as well as a low rise condominium with amazing suite designs that complement its surroundings. Coming soon to Pickering, a spectacular new community is being planned, featuring homes in an idyllic countryside setting. Maestro is another new building 14-storey luxury condo in Toronto.

EDMONTON The founders of Averton’s horizons

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Averton Common

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projects on the market such as Upper Windermere. Nestled in the heart of Edmonton’s premier South West subdivision, Averton brings an inspired take on desirable family living with updated architecture and superior quality.

Coming soon will be Ambleside featuring semi detached homes in South West Edmonton as well as Prescott in East Spruce Grove.

BRITISH COLUMBIA

Upper Windermere, Edmonton Evolution

always stretched beyond just Ontario. In 2005, Westbrook Homes commenced operations in Edmonton, Alberta in order to create a market presence in one of the most dynamic markets in the country. The two companies shared resources, and helped build on each other’s success.

Today as Averton, the company has a number of very successful

In addition, the company has branched out into British Columbia with a number of large scale sites currently in development, including a new multi-phased, waterfront community in Victoria.

With a strong presence in three of Canada’s strongest real estate markets, Averton Homes has now established itself a bold new player in the country’s residential building sector while maintaining the reputation for quality and customer service that the company has always enjoyed.

A focus on continued product development and improvement means Averton will continue to be at the forefront of new home design, and innovative construction. For information about the company and its projects, visit Averton.ca.

All renderings are artist concept.

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Style File

10 top decor tips story by yanic simard photos by brandon barre on this page

This kitchen by Toronto Interior Design Group features added lighting to highlight the new island top, and a mirrored backsplash to double the visual space, as well as upgraded cabinetry and hardware on opposite page bottom left

The custom open vanity provides storage for essentials without occupying too much visual space, despite its weighty, masculine appeal top right

Stunning tile applied from floor to ceiling creates a seamless spa-like effect, with a glass shower door to show off the wall treatment bottom right

A simple focal point, like a mirror, gives the eye the direction it craves

Trends come and go, but some things are

timeless. Knowing where to make that extra investment in your new home will help not just with resale value, but also with creating that warm and inviting space that makes it “home.” Here are my top 10 upgrades to take your home from cookie-cutter to one-of-a-kind:

In the kitchen 1. Cabinetry Upgrading the cabinetry means improving the view from every angle. Wood is both a hot 2014 trend and an ageless classic, so consider skipping the safe white or near-black espresso and go with the grain, so to speak, such as a gorgeous textural walnut.

2. Hardware Why invest in new cabinets but settle for standard hardware? Even standard cabinetry will benefit from the face lift provided by this relatively inexpensive upgrade. Try pairing sleek pulls for the bottom cabinets, with a contrasting knob for the uppers. Also, consider upgrading doorknobs and other oft-forgotten hardware to achieve true bespoke appeal.

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3. Backsplash A mirrored backsplash dramatically opens the visual space, making 800 sq. ft. feel like 1,600.

Plus, there will be no trendy tile patterns that will grow dated in a few years. One of my favourites is a grey glass that gives a warm, smoky character to the reflection for sophisticated elegance, with minimal cuts for a seamless look.

4. Countertop I love mixing different materials to get a sense of contrast between the island top and the main counters. There’s nothing wrong with pairing clean quartz and rich marble. To save costs, invest in a beautiful material for the island where it will be showcased centre stage, and save the standard finish for the back counters which draw less attention.

In the bathroom 5. Tiling Taking the tile from floor to ceiling creates a polished look essential to a feeling of spa-like luxury – a key to both market value and for your own day-today feeling of relaxation. Try a 1/3 offset pattern for subtle movement.

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6. Shower Once you have beautiful tile in place, show it off with a glass shower panel rather than a curtain. If your space doesn’t already have one, you’ll find it almost essential for resale down the road. Allow for a minimum 22-in. opening, or use a glass door for access.

7. Vanity Storage is important, but so is feeling like you have room to move and breathe. A vanity with legs and plenty of open space will visually expand your bathroom without knocking down any walls.

In the living room 8. Lighting I have worked on many condo renovations that involved concrete ceilings where no extra lighting could be added – or so you thought! A dropped ceiling panel will reduce the perception of lofty ceiling height, while allowing for the installation of pot lights or pendants.

Adding this extra layer of light avoids harsh shadows and dim spots.

9. Floor In a small space, avoiding breaks between flooring provides the illusion of greater square footage. Let one hardwood run throughout as much area as possible (even through the kitchen) for a harmonious look that seems to extend forever.

10. Focal point Last, but not least, create a focal wall to balance the visual weight of built-in features like cabinetry.

This may seem like a superficial upgrade, but even just one large mirror will open the space while providing a visual anchor, enhancing the way you and your guests psychologically perceive the rest of your material investments.

Yanic Simard is New Condo Guide’s design editor and principal designer of the Toronto Interior Design Group, specializing in residential and commercial projects. Simard has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit him online at tidg.ca 2014 Home Builders’ Annual

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Trends 2014

purple

PANTONE 19-3224 RADIANT ORCHID

REIGN HRH THE QUEEN OF ENGLAND LOVES HUNTER RAIN BOOTS!

Original Back Adjustable Rain Boots in Navy/Lipstick. $165.

VISIT CA.HUNTER-BOOT.COM Maxwell Dickson Purple Orchid Throw Pillow. $67.

VISIT OVERSTOCK.COM

Pantone — the leading authority on colour — released its 2014 Colour of the Year: Radiant Orchid. This beautiful purple hue with rosy pink undertones is a great colour to play with in your home, and pairs well with teal, yellow and neutrals. “Radiant Orchid reaches across the colour wheel to intrigue the eye and spark the imagination,” says Leatrice Eiseman, executive director of the Pantone Color Institute.

#

WHAT’S TRENDING IN DECOR FOR 2014? WE’VE CURATED A COLLECTION OF THE HOTTEST STYLES TO GET YOUR DECORATING JUICES FLOWING.

by SARA DUCK

stoneware & handmade POTTERY

mid-century

DESIGN WE ARE SO INSPIRED

BY THIS DESIGN DECADE.

LOOK FOR A RETURN TO STONEWARE & HANDMADE POTTERY FOR A MORE NATURAL FEEL TO TABLEWARE.

Organics Stone Dinnerware by Lenox. $60 for four piece set.

VISIT BEDBATHANDBEYOND.CA

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Photo by Jan Baldwin courtesy of the Farrow & Ball Decorating with Colour book. By Ros Bryan Shaw, published

by Ryland Peters & Small.

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floral & foliage PRINTS

FROM THE RUNWAY TO YOUR HOME, DRAMATIC FLORAL & FOLIAGE PRINTS ARE A BIG STATEMENT IN FASHION AND DECOR FOR 2014.

Botanical + Birch Wall Art – Stencil Leaf. $123.

VISIT WESTELM.COM

$440. om Print Dress.

Rupin Opulent Blo NDON.COM -LO ER VISIT TEDBAK

Hörja Lamp Shade. $20.

VISIT IKEA.CA

CLASSIC

iron headboards

natural wood ACCENTS NATURAL WOOD ACCENTS ARE ONE OF THE HOTTEST TRENDS IN HOME DECOR. INCORPORATING WOOD WILL BRING WARMTH AND TEXTURE TO YOUR SPACE.

WE ARE LOVING IRON HEADBOARDS, A NICE CHANGE FROM THE POPULAR FABRIC DESIGNS OF LATE.

Adrift Table Lamp. $149. VISIT URBANBARN.COM

for Scroll Headboards in Black. $280 Queen. VISIT PIER1.CA

Irish Coast Extension Table. $1,199. VISIT URBANBARN.COM

Black. $280 for Rings Headboards in CA R1.

PIE IT Queen. VIS

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MEET OUR

HERO

Matthew

m

Matthew was born in August 2012, three weeks prematurely. At 30 weeks gestation a routine ultrasound showed fluid in his abdomen.

Matthew’s mom, Gillian, was transferred to the high risk unit at their local hospital. Their doctor there suspected that Matthew had meconium peritonitis, a rupture of the bowel. This is rarely seen in babies in utero, but is associated with babies who have cystic fibrosis. His parents were tested and learned that they carry the gene for cystic fibrosis. This came as a total surprise to them as there is no CF in their families.

At birth, Matthew had a blood test and was confirmed to have CF and presented with the “classic” form – the delta gene. He was transferred to SickKids and had surgery to unblock his bowel on his first day of life. He

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had some complications, and spent six weeks at SickKids. Shortly before Christmas, he had a second surgery and was in hospital for three days.

Matthew’s condition has already affected his pancreas and although it has not yet affected his lungs, his parents expect that it will as he develops and grows. They do physiotherapy with him daily to keep his lungs as healthy as possible.

“It’s the worst feeling watching your child fight to get better,” says Gillian. “But despite his condition, Matthew’s been a happy boy providing us smiles.”

Matthew’s parents decided that they want to do everything they can to help advance research. They met Dr. Felix Ratjen, head of respiratory medicine and co-director of the Cystic Fibrosis centre, who spoke to them about CF stem cell research and they readily agreed to allow SickKids to take a sample of Matthew’s skin when he came to have his surgery in December.

“You can’t do anything to help other than be there and love them unconditionally. There were really two reasons behind participating in the research study: a little hope and a lot of fear.

My optimistic side would say a lot of hope,” says Gillian.

Last year, SickKids researcher, Dr. Janet Rossant and her team became the first in the world to use skin cells from patients with CF to produce mature lung cells in a petri dish. Lung cells generated from patients can be used to develop and test drugs that target the genetic mutation underlying the condition. If the drugs work on the lung cells, then later they may also be tried on the patient. Until recently, the only therapies available for patients with CF targeted the symptoms, like infection and digestive disorders, rather than the underlying genetic alteration.

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Why SickKids?

1.

The life expectancy of a cystic fibrosis patient has increased 12x in the past 50 years – from 4 years to 48. Research at SickKids, including the discovery of the gene that causes CF, is helping build toward a future where cystic fibrosis is a disease of the past.

2.

Thanks to the generosity of partners in the Builders Helping to Heal Campaign, SickKids leads the way in cystic fibrosis research and many other devastating childhood diseases.

Readers looking to support SickKids can go to www.sickkidsleaders.com

BUILDERS HELPING TO HEAL Wall2Wall Media, the publisher of New Home Guide, New Home & Condo Guide and New Condo Guide, is teaming up with builders and their suppliers to help raise money for SickKids. The following companies have contributed generously to help give Ontario’s children the world-class care they deserve. These pages honour these special people, and we thank them for their generous support.

Builders Helping to Heal and Friends of the Industry are Wall2Wall Media initiatives stemming from SickKids Leaders, a program at SickKids which draws on the support of more than 150 volunteers over 30 industry sectors. www.sickkidsleaders.com

PLATINUM SPONSORS

www.fieldgatehomes.com

www.mattamyhomes.com

www.heathwood.com

www.mytribute.ca

Again, we thank our generous sponsors and appreciate their ongoing commitment. These companies not only build housing, but they support the families in the communities in which they build.

www.streetcar.ca GOLD SPONSORS

www.bazis.ca

SILVER SPONSORS

www.primonthomes.com

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Expert Panel

Pearls of wisdom From affordability issues to mortgage rates, there’s a lot for consumers to consider when buying a home. What are the most important factors to keep in mind when buying a new home in 2014?

A home is probably the most important

purchase you’ll make in your lifetime. It’s no wonder that purchasing real estate has prospective buyers – especially first-timers – a little apprehensive.

You want to make sure you choose the right home in a great location, by a builder you can trust.

Jim Andrews

Director of Sales and Marketing, Fieldgate Homes

w

hen one looks at Canada’s economic picture, there’s little doubt that homeownership is the best way to create financial security. While there are many reasons this is the case, the most enticing is the fact that there are no taxes applicable on the resale of a principal residence, making homeownership by far the highest 48

Then come concerns over finances and the state of the market.

We asked some of the GTA’s top home builders for their take on the market in 2014. Here’s what they had to say.

yielding tax-free investment – with returns that can be put towards funding your retirement and other major life expenses. And if homeownership is the most reliable form of investment in Canada, the Greater Toronto Area is clearly the best place to make it.

Recent headlines indicate building permits in the GTA are ahead of the national average. This, of course, is no surprise, because Toronto and the GTA have been the financial centre for the country for a number of years. Other areas may be richer in minerals and generate higher tourism dollars, but most people would prefer to invest in the GTA for a guaranteed long-term return. In 2012, the construction industry in the GTA was the largest single wealthbuilder, contributing $26.4 billion to the economy. This is why 70,000 to 80,000 thousand new immigrants settle in the GTA every year. Some of them start businesses and some of them start families – but all of them need a place to live.

At today’s highly affordable mortgage rates, it takes, on average, only two years for immigrants new to Canada to save enough to make a down payment on a new home or condominium. This means there is always a steady influx of new demand for the purchase of existing homes, which makes it easier to sell your current home and move into a larger one as your needs change.

With this in mind, when you are looking for your new home, purchase only what you need today. In other words: if you need only three bedrooms for your current family, purchase a home of that size and pay down your mortgage as soon as possible. Don’t worry about not being able to find a home to grow into; due to the GTA’s strong market, rest assured there are many options if and when you need additional space. If you buy what you need for today, you will pay less in heat, hydro and taxes throughout the year and you will own your new home sooner. Regular mortgage payments, preferably by opting for accelerated bi-weekly payments, will create equity in your new home that will help you along your path to financial freedom.

Following this simple formula, you will soon find that your equity has given you the freedom to do other things you want to do in life, whether it’s owning a bigger home, traveling or funding your children’s education.

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b

uying a new home can certainly seem like an overwhelming experience, especially for those who have never been through it before. You’re going to get lots of valuable advice about what to keep in mind when shopping, and it’s going to include very important considerations such as price or budget and location. As this is one of the most important decisions you’ll ever make, you definitely want to carefully research and plan around all of those things. In my mind, there is an over-riding element that, if properly considered, actually takes care of all that. It’s focusing on the needs of your family.

There has been a real tendency over the past few years for people to view their house primarily as an investment. And while it’s a fact that it’s the biggest purchase of most people’s lives, this can tend to distract from the reality that a house is not just where you live until the investment appreciates. A house is a home.

So the real question is how do you turn the bricks and mortar into a place where you can make memories.

So, first and foremost, ask yourself what the needs of your family are. What do you truly need in your home? Is your family going to be growing, or will you be downsizing? Is a yard a must-have or just a burden and you prefer that someone else look after maintenance? Is easy access to work, shopping or public transit important to you? Will you be working out of your home? Do you have multi-generational needs for the home, such as aging parents you may need to care for? Your unique lifestyle needs really should drive your decisions on the type of housing you decide on, which will in turn drive considerations of price and location.

There are many different forms of housing out there today to support many types of lifestyle needs – community builders such as Mattamy offer many options (often in the same community),

Brad Carr President, Canada, Mattamy Homes

First and foremost, ask yourself what the needs of your family are. What do you truly need in your home? Is your family going to be growing, or will you be downsizing? Is a yard a musthave or just a burden and you prefer that someone else look after maintenance such as condos, townhomes, live-work units and traditional single-family homes of many shapes and sizes.

If you make good decisions grounded in what your family truly needs from a home, that’s the most important thing. If you keep that front and centre, the process and your overall experience will be rewarding. And then, if and when you decide to sell, the market will likely reward you as well.

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Mimi Ng Vice-President Sales & Marketing, Menkes

Committing to an area by properly researching it will ensure many years of enjoyment and avoid the hassle of an inconvenient and costly subsequent move.

b

uying a new home is the single most important decision you’ll make, and it’s important in today’s market to find the right fit for your needs, which vary from access to public transit or major highways, to proximity to greenspace or schools for your family, or entertainment if a night on the town is part of your routine.

With new changes to mortgage rules and affordability becoming a greater issue across the demographic spectrum, it’s important to ensure that the home you purchase takes into account your personal needs. If you

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prefer to live outside the city and commute downtown for work, public transit or quick access to the major 400-series highways will be important. Choosing a home without these options can quickly feel overwhelming as you’ll spend a great deal of time in your car or on several modes of public transportation rather than enjoying the home you’ve invested in. Many Menkes communities, both highrise and lowrise, are strategically placed along subway lines, streetcar routes, and within minutes of major thoroughfares to increase the time you spend at home, not on the road.

Locations close to greenspace or schools become a greater need for growing families or pet owners.

Research areas before deciding, to ensure the local schools have a good reputation, and that parklands and walking trails are safe and well-lit. Committing to an area by properly researching it will ensure many years of enjoyment and avoid the hassle of an inconvenient and costly subsequent move.

Finally, it’s important to consider your own social lifestyle before you make a final choice on where you’d like to live. Many people who found themselves stating that they’d like to get away from it all move out to the suburbs only to regret their decision if their social group remains in the city, or if they’re not quite done with city life. The same works in reverse for those who move into the city to avoid commuting, only to find that vast and less-crowded greenspaces are no longer available as they were in their former suburban life.

In the current economic climate, find the right home for your price range, and then ensure it meets your travel and lifestyle needs before putting down roots.

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f

or most people, the purchase of a new house or condo will be the largest financial investment they will ever make, so the decision merits careful thought and research.

First, visit a mortgage specialist and get pre-approved so you don’t spend time investigating choices that are out of your financial reach. Inquire into mortgage rates and how they work. Avoid making assumptions about what your budget can accommodate, especially if you are a first-time buyer. Ask about special financial programs that can help. For example, Daniels offers an exclusive First Home Boost Program, through which qualified buyers can increase their down payment to 15 per cent of the purchase price through an interest-free, payment-free loan. And keep an open mind when it comes to designs that fall into your price range. Layout is often more important than square footage when it comes to livability.

Next, look at location. Most people want to live within a reasonable commute to work and close to amenities. Look at what public transportation and highways are close by, and try your commute during rush hour.

Simona Annibale Vice-President of Marketing, The Daniels Corp.

Next, look at location. Most people want to live within a reasonable commute to work and close to amenities. Look at what public transportation and highways are close by, and try your commute during rush hour.

Now, think ahead and shop for a home you will not outgrow quickly. If you want a backyard and garage, a lowrise home is a good choice. Maybe you prefer the carefree condominium lifestyle, that involves exterior and amenity maintenance being handled for you. It’s up to you.

Remember to do your homework when it comes to researching builders, so you can purchase with confidence.

Ask questions such as whether the builder’s communities come with social, cultural and recreational opportunities beyond the bricks and mortar. At The Daniels Corporation, the word “community” is a lot more than a buzzword. Community involves the very heart of what makes a place feel like “home.”

Make sure your lifestyle needs are met. If you like to garden, ask about urban gardening programs. If you thrive on the arts, are there cultural venues nearby? For Daniels, each new home community is a work of art – literally. Our neighbourhoods are designed to enhance their surroundings, the community and to make a statement about their unique character. Find out whether your builder gives back by supporting local charities and nonprofit organizations, which is an integral part of the Daniels philosophy. As the consumer, it’s your responsibility to do your due diligence and ensure that your choice is the right one for you.

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While choosing your builder is a critical step, choosing your finishes is where the fun begins. New-home buyers can completely customize their homes or suites to their liking.

Bryan Tuckey

a

President and CEO, Building Industry & Land Development Association

s an advocate for the new homes industry, I am often asked by my friends and family to explain what it is about new homes and condominiums that stands out and above their resale counterparts. While there are a number of reasons to pick from, I would have to say that the underlying factor is the freedom of choice.

When you buy a brand new home or condo, you get to choose your builder based on their reputation and track record. Just like buying a new car, you know that certain brands carry a definite advantage and with no previous owner, you know you’re getting exactly what you’re paying for.

While choosing your builder is a critical step, choosing your finishes is where the fun begins. Newhome buyers can completely customize their homes or suites to their liking. Whether it’s floors, kitchen cabinets, countertops or faucets, your new home is

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built completely to your liking.

Upon purchasing, homebuyers are invited to choose from dozens of different packages that best fit their budget, taste and lifestyle.

New homes are built using the latest construction tools and materials, so you know you’re getting the most out of your home. This is especially true when it comes to energy efficiency. In 2012, the Ontario Building Code was updated to include higher standards for building energy-efficient communities and our industry has not only met, but exceeded these new requirements.

New-home buyers can now choose from an array of Green features such as high-pressure, low-flow showerheads and faucets, dual-flush toilets and front loading washing machines which reduce both water and energy consumption.

With the industry’s shift toward high-density housing in recent years, condo developers have taken amenities to a whole new level in recent years. Those looking to find both entertainment and convenience without having to travel can now do so in the comfort of their own condo buildings.

From theatre-sized movie rooms to virtual games rooms to luxury spas, new highrise buyers can really maximize on the benefits of condo living. There are even pet-themed amenities to help reinforce the notion that you don’t need to compromise your lifestyle when you live in a condo.

While this is a huge leap from the traditional package of a swimming pool and fitness centre, home builders understand that some buyers are perfectly happy with simply enjoying their suites. That’s why so many new developments are offering minimal amenities with ultra low maintenance fees. All you have to do is choose what best appeals to your lifestyle. With highrise inventory at a healthy, high level, there’s plenty to pick from!

As a homeowner, I think having the freedom to choose is an imperative factor when purchasing a new home, and that is why I chose to buy new!

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GTA Home Builders’ Annual Roster 2014 Home Builders’ Annual

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Fieldgate Development & Construction 5400 Yonge St., Second Floor Toronto, Ontario M2N 5R5 416-227-2220 | www.fieldgatehomes.com

Monarch Corporation 2550 Victoria Park Ave., Suite 200 Toronto, Ontario M2J 5A9 416-491-7440 www.monarchgroup.net

Great Gulf Homes 3751 Victoria Park Ave. Toronto, Ontario M1W 3Z4 416-449-1340 www.greatgulf.com

Acorn Development Corporation, The* 3520 Pharmacy Ave., Suite 2 Scarborough, Ontario M1W 2T8 416-499-4900 | www.acornhomes.ca

B.G. Schickedanz Homes Inc. 3100 Steeles Ave. W., Suite 500 Vaughan, Ontario L4K 4Y4 905-695-1953 | www.bgshomes.com

Baywood Homes 1140 Sheppard Ave. W., Suite 13 North York, Ontario M3K 2A2 416-633-7333 | www.baywoodhomes.com

Alliance Homes Inc. 71 Marycroft Ave., Suites 28 & 29 Woodbridge, Ontario L4L 5Y6 905-761-7086 | www.alliancehomes.ca

Bachly Construction 27 Nixon Rd. Bolton, Ontario L7E 1J7 905-951-3100 | www.bachly.com

Beaverbrook Homes Inc.* 161 Pennsylvania Dr., Suite 5 Vaughan, Ontario L4K 1C3 416-740-5544 | www.beaverbrookhomes.com

Alterra Group of Companies, The* 920 Yonge St., Suite 1000 Toronto, Ontario M4W 3C7 416-964-1800 | www.alterra.com

Baghai Development Ltd. 1131 A Leslie St., Suite 220 Toronto, Ontario M3C 2K6 416-449-5994 | www.shanebaghai.ca

Beaverhall Homes* 40 Vogell Rd., Suite 17 Richmond Hill, Ontario L4B 3N6 905-770-9983 | www.beaverhall.com

AMR Homes 4305 Fairview St., Suite 216 Burlington, Ontario L7L 6E6 289-288-0295 | www.amrhomes.ca

Ballantry Homes Inc.* 20 Cachet Wood Court., Suite 6 Markham, Ontario L6C 3G1 905-887-7100 | www.ballantryhomes.com

Belpark Homes Inc. 160 Applewood Cres., Suite 29 Concord, Ontario L4K 4H2 905-760-0507

Andrin Ltd.* 26 Lesmill Rd., Suite 3 Toronto, Ontario M3B 2T5 416-733-3128 | www.andrinhomes.com

Ballygarven Homes 30 Wertheim Crt., Suite 22, Main Floor Richmond Hill, Ontario L4B 1B9 905-881-6084 | www.ballygarvenhomes.com

Bellport Homes 115 Woodstream Blvd. Unit 13 Woodbridge, ON L4L 8K5 905-851-7893 | www.bellporthomes.ca

Angus Glen Development Ltd.* Kylemore Homes 10080 Kennedy Rd. Markham, Ontario L6C 1N9 905-887-5799 www.kylemorecommunities.com

Ballymore Building Corporation* 12840 Yonge St., Suite 200 Richmond Hill, Ontario L4E 4H1 905-773-1048 | www.ballymorehomes.com

Belsito Homes 48 Pike Rd. Oakville, Ontario L6H 6C3 905-257-6740

Baycliffe Homes Inc. 1 Ashbridge Circle, Suite 3C Woodbridge, Ontario L4L 3R5 905-264-2229 | www.baycliffehomes.com

Berkley Homes 20 Rivermede Rd., Suite 204 Concord, Ontario L4K 3N3 905-669-8399 | www.berkleyhomes.ca

Batavia Homes 15 Mayfield Cres.

Whitby, Ontario L1N 8P4 905-493-1028 | www.bataviahomes.ca

Berkshire Homes 26 Lesmill Rd., Unit 1A Toronto, Ontario M3B 2T5 416-485-7860 | www.berkshirenewhomes.ca

Baycrest Homes 668 Millway Ave., Suite 10 Concord, Ontario L4K 3V2 905-326-3200

Best Homes 221 Helen Ave. Markham, Ontario L3R 1J7 905-479-9600 | www.besthomescanada.com

Bayfield Homes 4300 Steeles Ave. W., Suite 15 Woodbridge Ontario L4L 4C2 905-851-8889 | www.bayfieldhomes.ca

BLVD Developments 49 Jackes Avenue, Suite 200 Toronto, Ontario M4T 3E2 416-987-3344

Bayview-Wellington Homes* 111 Creditstone Rd. Concord, Ontario L4K 1N3 905-669-4133 | www.bwhomes.ca

Boddy, John Developments Ltd. 409 Kingston Rd. W. Ajax, Ontario L1S 6L7 905-428-1000 | www.johnboddyhomes.com

Aragon Development (Ontario) Ltd. 101 – 262 Carlaw Ave. Toronto, ON. M4M 3L1 416-531-6361 | www.aragon.ca Arista Homes Ltd.* 600 Applewood Cres.

Vaughan, Ontario L4K 4B4 905-660-5000 | www.aristahomes.com Armour Heights Developments 81 Zenway Blvd., Suite 24 Vaughan, Ontario L4H 0S5 905-303-7800 | www.armourhd.com Aspen Ridge Homes Ltd.* 29 Floral Pkwy.

Concord, Ontario L4K 5C5 905-669-9292 | www.aspenridgehomes.com Averton Homes* 161 Pennsylvania Ave., Suite #5 Vaughan, Ontario L4K 1C3 416-740-5544 | www.averton.ca

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Aspen Ridge Homes Ltd. 29 Floral Pkwy.

Concord, Ontario L4K 5C5 905-669-9292 www.aspenridgehomes.com

Menkes Developments Inc. 4711 Yonge St., Suite 1400 Toronto, Ontario M2N 7E4 416-491-2222 www.menkes.com

Daniels Corporation, The 20 Queen St. W., Suite 3400 Toronto, Ontario M5H 3R3 416-598-2129 www.danielshomes.ca

Bond Homes Ltd. 370 Queen St. S. Mississauga, Ontario L5M 1M2 905-812-2172 | www.bondhomes.ca

Cadorin Homes 189 Maplehurst Avenue Toronto, ON M2N 3C1 416-782-6002 | www.cadorinhomes.com

Clemmensen & Associates Ltd. 17 Oakland Ave. Weston, Ontario M9M 2H9 416-747-6266

Briarwood Homes 636 Edwards Avenue, Suite 14 Richmond Hill, Ontario L4C 0V4 905.737.4477 | www.briarwoodhomes.ca

Caliber Homes Inc.* 51 Royson Rd., Suite 8 Woodbridge, Ontario L4L 8P9 905-264-0100 | www.caliberhomes.ca

Colewood Construction Ltd. 313 Horner Ave. Toronto, Ontario M8W 1Z5 416-251-3486

Brandy Lane Homes* 4580 Dufferin St., Suite 307 Toronto, Ontario M3H 5Y2 416-636-4111 | www.brandylanehomes.com

CanAlfa* 80 Lynn Williams St. Toronto, Ontario M6K 3R6 416-537-2321 | www.liveinliberty.com

Colonial Woods 3200 Dufferin, North York, ON M6A 3B2 416-256-3890 | www.colonialwoodshomes.com

Branthaven Homes* 720 Oval Crt. Burlington, Ontario L7L 1A9 905-333-8364 | www.branthaven.com

Centra Homes 125 Norfinch Drive, Suite 201, Toronto, ON M3N 1W8 (416) 514-2726 | centra-homes.ca

Bremont Homes Corporation 4908 Hwy 7, Vaughan, ON L4L 1S8 905-266-1851 | www.bremonthomes.com Brenner Construction 112 Jennifer Cres.

Sharon, Ontario L0G 1V0 905-478-2058 Broadway Homes 7501 Keele St., Suite 101 Vaughan, Ontario L4K 1Y2 905-761-9072 | www.broadwayhomes.com Brookfield Homes (Ontario) Ltd.* 7303 Warden Ave., Suite 100 Markham, Ontario L3R 5Y6 905-477-5111 | www.brookfieldhomes.ca Brookstone Homes 115 Sheppard Ave. W. Toronto, Ontario M2N 1M7 416-222-0932 | www.brookstonehomes.ca Build Toronto Inc. 200 King St. W., Suite 200 Toronto, Ontario M5H 3T4 416-981-3889 | www.buildtoronto.ca Cachet Estate Homes Inc.* 361 Connie Cres., Suite 200 Concord, Ontario L4K 5R2 905-764-1983 | www.cachethomes.com

Charleston Homes 143 Dennis St., P.O. Box 760 Rockwood, Ontario N0B 2K0 519-856-4054 | www.charlestonhomes.ca Chateau Fine Homes 94 Brockport Dr. Etobicoke, Ontario M9W 5C5 416-201-9912 Chestnut Hill Homes 150 Ferrand Dr., Suite 801, Toronto M3C 3E5 416-499-9995 | www.chestnuthilldevelopments.com Chiavatti Homes Ltd. 7725 Birchmount Rd., Suite 17 Unionville, Ontario L3R 9X3 905-642-9132 Christina Homes 85 Kilkenny Trail Bradford, Ontario L3Z 5C5 905-778-1600 | www.christinahomesltd.com City Homes 1333 Boundary Rd., Suite 4-A Oshawa, Ontario L1J 6Z7 905-723-2815 | www.mycityhome.ca Cityview Homes Inc. 6 Bradwick Dr., Suite B Concord, Ontario L4K 2T3 905-761-9944 | www.cityviewhomes.ca

Conservatory Group, The 90 Tiverton Crt. Suite 200, L3R 9V2 905-477-7609 | www.conservatorygroup.com Coram Construction Group 200 Ronson Dr., Suite 305 Etobicoke, Ontario M9W 5Z9 416-243-9019 | www.coram.com Coscorp Inc. 6625 Kitimat Rd., Suite 58 Mississauga, ON L5N 6J1 905-821-3666 | www.cosCorporationca Cosmopolitan Homes 120 West Beaver Creek Rd Unit 19 Richmond Hill, ON L4B 1L2 905-762-1800 | www.cosmopolitanhomes.ca Coughlan Homes 2700 Audley Rd. N. Ajax, Ontario L1Z 1T7 905-427-7703 | www.coughlanhomes.com Country Glen Homes 4000 Steeles Ave. W., Suite 203 Woodbridge, Ontario L4L 4V9 905-851-9367 Country Homes 111 Strada Drive Woodbridge, ON L4L 5V9 416-213-7191 | www.countryhomes.ca CountryWide Homes Ltd.* 1500 Hwy. 7 Concord, Ontario L4K 5Y4 905-907-1500 | www.countrywidehomes.ca

* See these fine builders in New Home Guide GTA magazine. Pick up your FREE copy today!

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Rosehaven Homes Ltd. 145 Reynolds St., Suite 300 Oakville, Ontario L6J 0A7 905-849-1166 www.rosehavenhomes.com

National Homes 291 Edgeley Blvd., Suite 1 Concord, Ontario L4K 3Z4 905-669-9199 www.nationalhomes.com

CountryWide Homes Ltd. 1500 Hwy. 7 Concord, Ontario L4K 5Y4 905-907-1500 www.countrywidehomes.ca

Coventry Homes 1315 Lawrence Ave East Suite 308 Toronto, On M3A 3R3 416-385-3648

Democrat Homes Ltd. 155 Romina Dr. Thornhill, Ontario L4K 4Z9 905-532-9230 | www.democrathomes.com

Dunbury Homes Ltd. 325 Denison St. Markham, Ontario L3R 1B7 905-474-3600 | www.dunburyhomes.com

Crystal Glen Homes (2000) Inc. 418 Hanlan Rd., Suite 3 Woodbridge, Ontario L4L 4Z1 905-856-7666 | www.crystalglenhomes.com

DeNoble Homes 600 Euclid St., Suite 5 Whitby, Ontario L1N 5C2 905-444-9668 | www.denoblehomes.com

Dunpar Developments Inc.* 105 Six Point Rd. Etobicoke, Ontario M8Z 2X3 416-236-9800 | www.dunparhomes.com

Dalerose Country 64 Broadway Ave. Orangeville, Ontario L9W 1V9 519-938-8417 | www.dalerosehomes.ca

Desini Fine Homes Inc. 20 Craighurst Ave. Toronto, Ontario M4R 1J8 416-238-1254 | www.desini.ca

Dunsire Developments 465 Phillip St , Waterloo, ON N2L 6C7 1-888-519-2346 106

Daniels Corporation, The* 20 Queen St. W., Suite 3400 Toronto, Ontario M5H 3R3 416-598-2129 | www.danielshomes.ca

Desousa Homes Inc. 1122 Brock St. S. Whitby, Ontario L1N 4L9 905-668-2331 | www.desousahomes.com

Darcel Developers 3625 Dufferin St., Suite 105 North York, Ontario M3K 1Z2 416-638-3111 | www.darcelhomes.com

Devonleigh Homes Inc. P.O. Box 70, Stn A Orangeville, Ontario L9W 2Z5 519-942-3311 | www.devonleighhomes.com

Dawn Victoria Homes 1550 Yorkton Court, Unit 18 Burlington, Ontario, L7P 5B7 905-637-1777 | www.dawnvictoria.ca

DeZen Homes 23 Windsor St. Etobicoke, Ontario M8Y 2V9 416-255-0890 | www.dezenhomes.com

Decade Group 1806 Avenue Road, Suite 2; Toronto, ON, M5M 3Z1 416-781-0623 | www.decadegroup.ca

Di Battista Gambin Developments 1090 Dundas St. E., Suite 201 Mississauga, Ontario L4Y 2B8 905-615-0300

Delco Management 100 York Boulevard suite 401 Richmond Hill, Ontario L3R 9X3 www.villagecreekhomes.com

Di Blasio Homes 6620 Rothschild Trail Mississauga, Ontario L5W 0A6 905-565-9844 | www.diblasiohomes.com

Delmark Homes 389 Disette Street, Unit 1 Bradford, Ontario L3Z 3G9 905-775-5033 | www.delmarkhomes.com

Dorsay Development Corporation 150 York St., Suite 1701 Toronto, Ontario M5H 3S5 416-368-1460 | www.dorsay.ca

Delpark Homes* 11685 Yonge Street Suite A 304 Richmond Hill, ON L4E, 0K7 416-309-2009 | delparkhomes.com

Double Oak Homes/First Edition Homes 2121 Olde Baseline Rd. Caledon, Ontario L7C 0K7 905-838-0550

DelRidge Homes Inc. 7800 Kennedy Rd., Suite 102 Markham, ON L3R 2C7 905-479-5448 | www.delridgehomes.com

Dreamland Homes Construction 1310 Kerrisdale Blvd., Suite 100 Newmarket, Ontario L3Y 8V6 905-657-4663 | www.dreamlandhomes.ca

Durham Homes 200 Bond St. W., Suite 201 Oshawa, Ontario L1J 2L7 905-576-8805 | www.kingswayforest.ca Eaglebay Estates 163 Buttermill Ave., Suite 9 Concord, Ontario L4K 3X8 905-660-5471 | www.eaglebayestates.com Eden Oak 1443 Hurontario St. Mississauga, Ontario L5G 3H5 905-274-5500 | www.edenoak.com Eldin Building Corporation 30 Wertheim Crt., Building A, Unit 3 Richmond Hill, Ontario L4B 1B9 905-731-5069 | www.eldin.ca Elm Development Corporation 1931 Highway 7, Concord, Ontario L4K 1V5 905-709-8232 | www.elmdevelopments.com Emer Developments Ltd. 5 Silver Springs Cres.

Uxbridge, Ontario L9P 1R4 905-852-3129 | www.emerdevelopments.com Emery Homes 620 Wilson Ave., Suite 350 Toronto, Ontario M3K 1Z3 416-636-7200 | www.emeryhomes.net Empire Communities* 125 Villarboit Cres.

Vaughan Ontario L4K 4K2 905-307-8102 | www.empirecommunities.com Emsatec Canada Inc. 940 Lansdowne Avenue, Suite 101 Toronto, Ontario M6H 3Z4 416.483.1066

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Averton Homes 161 Pennsylvania Ave., Suite #5 Vaughan, Ontario L4K 1C3 416-740-5544 www.averton.ca

Mattamy Homes Ltd. 2360 Bristol Circle Oakville, Ontario L6H 6M5 905-829-2424 www.mattamyhomes.com

Erin Mills Development 7501 Keele St., Suite 500 Concord, Ontario L4K 1Y2 416-736-1809

Firstview Homes 81 Zenway Blvd unit 14 Concord M9L 1X9 905-850-0022 | www.firstview.ca

Ghods Builders Inc. 333 Sheppard Ave. E., Suite 300 Toronto, Ontario M2N 3B3 416-229-9966 | www.ghodsbuilders.com

Esquire Homes Inc. 145 Royal Crest Crt., Unit 20 Markham, Ontario L3R 9Z4 905-415-1880 | www.esquirehomes.ca

Forest Green Homes* 5332 Hwy. 7, Second Floor Woodbridge, Ontario L4L 1T3 905-850-8500 | www.forestgreenhomes.com

Glen Orchard Homes 6415 Northwest Dr., Suite 4 Mississauga, Ontario L4V 1X1 905-677-7207 | www.glenorchardhomes.com

Fairglen Homes Ltd. 10148 Warden Ave. Markham, Ontario L6C 1N3 905-887-4818 | www.fairglenhomes.com

Forest Hill Homes/State Building Group* 2700 Dufferin St., Suite 34 Toronto, Ontario M6B 4J3 416-787-0256 | www.foresthillhomes.ca

Glen Rouge Homes 2061 McCowan Rd., Suite 203 Scarborough, Ontario M1S 3Y6 416-282-2296 | www.glenrougehomes.com

Fairgate Homes P.O. Box 370 Stouffville, Ontario L4A 7Z6 905-642-1600 | www.fairgatehomes.com

Forum and Amandus Developments 291 Edgeley Blvd., Suite 1 Concord, Ontario L4K 3Z4 905-660-7859 | www.livinglifegroup.ca

Gold Park Homes 3300 Hwy. 7, Suite 400 Concord, Ontario L4K 4M3 905-760-9595 | www.goldparkhomes.com

Falconcrest Homes 955 Wilson Ave., Unit 1 Toronto, Ontario M3K 2A8 416-638-5980 | www.falconcresthomes.com

Frantom Homes Inc. 396 Chrislea Rd. Woodbridge, Ontario L4L 8A8 905-265-0540 | www.frantomhomes.com

Goldribbon Homes 5400 Yonge St., Suite 300 Toronto, Ontario M2N 5R5 416-623-1321 | www.goldribbonhomes.com

Fandor Homes Inc. 68 Romina Dr. Concord, Ontario L4K 4Z7 905-669-5820 | www.fandorhomes.com

Frederick G. Reynolds Group 2 Marina Drive Bobcaygeon, Ontario K0M 1A0 705-738-5555 | www.port32.com

Golfvest Communities (Sawmill Creek) Inc. 56 Aberfoyle Cres., Suite 500 Toronto, Ontario M8X 2W4 416-248-6206 | www.golfvest.com

Farsight Homes* 117 Ringwood Drive Unit 18 Stouffville, ON L4A 8C1 905-642-8383 www.farsight.ca

Garden Homes Inc. 35 West Pearce St., Unit 9 Richmond Hill, Ontario L4B 3A9 905-882-2320 | www.gardenhomes.ca

Flato Group Inc. Head Office: 3621 Highway 7 East, Suite 503, Markham, Ont. L3R 0G6 905-479-9292 | www.flatogroup.com Fernbrook Homes Ltd. 2220 Hwy. 7 W., Unit 5 Concord, Ontario L4K 1W7 416-667-0447 | www.fernbrookhomes.com Fieldgate Development & Construction* 5400 Yonge St., Second Floor Toronto, Ontario M2N 5R5 416-227-2220 | www.fieldgatehomes.com Fifthshire Homes 241 Applewood Cres., Suite 3 Concord, Ontario L4K 4E6 905-660-7415 | www.fifthshire.com

Generation Homes 10034 Keele St. Maple, Ontario L6A 0J6 416-748-0098 | www.generationhomes.ca Genesis Homes 1 Yorkdale Rd., Suite 214 Toronto, Ontario M6A 3A1 416-229-9757 | www.genesishomes.ca Georgian Corporation 1175 Meyerside Dr., Suite 2 Mississauga, Ontario L5T-1H3 905-405-7272 | www.georgiangroup.com Geranium Corporation* 3190 Steeles Ave. E., Suite 300 Markham, Ontario L3R 1G9 905-477-1177 | www.geraniumhomes.com

Grajen Homes 140 Caster Ave. Vaughan, Ontario L4L 5Y7 905-850-2752 | www.grajenhomes.com Great Gulf Homes* 3751 Victoria Park Ave. Toronto, Ontario M1W 3Z4 416-449-1340 | www.greatgulf.com Great Lands Corporation 25 Torbarrie Rd. Toronto, Ontario M3L 1G5 416-748-2600 | www.greatlandsCorporationcom Greenfield Quality Builders Inc. 132 Gorman Park Rd. Toronto, Ontario M3H 3K9 416-226-1020 | www.gqbhomes.com Greenleaf Inv. Corporation 620 Wilson Ave., Suite 330 Toronto, Ontario M3K 1Z3 416-781-9101

* See these fine builders in New Home Guide GTA magazine. Pick up your FREE copy today!

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Green Group 399-A Spadina Ave., Suite 1 Toronto, Ontario M5T 2G6 416-598-2811

Huntingwood Developments Ltd. 152 Dalemount Ave. Toronto, Ontario M6B 3C9 416-398-4552

Kylemore Communities* 10080 Kennedy Rd. Markham, Ontario L6C 1N9 905-887-5799 | www.kylemorecommunities.com

Greenpark Homes* 8700 Dufferin St. Vaughan, Ontario L4K 4S6 416-661-5329 | www.greenparkhomes.com

Hush Communities and Fine Homes 75 International Blvd, Suite 400 Toronto, Ontario M9W 6L9 416-987-6500 | www.hush.ca

LSJ Homes Ltd. 95 Barber Greene Rd., Suite 305 Don Mills, Ontario M3C 2A2 416-445-9920

Greenvilla Homes 390 Edgeley Blvd., Vaughan, ON, L4K3Z6 905.761.8899 | www.greenvillahomes.com

Hyde Park Homes Ltd.* 7 King St. E., Suite 911 Toronto, Ontario M5C 3C5 416-306-2283 | www.hydeparkhomes.com

Lakeview Homes* 200 Bridgeland Ave. Toronto, Ontario M6A 1Z4 416-785-8172 | www.lakeviewhomesinc.com

Inaugural Source Inc.* 35 Alvin Ave, Toronto, ON M4T 2A7 416-920-8880 | www.inauguralsourcehomes.com

Lancaster Homes Inc. 9251 Yonge St., Suite 306 Richmond Hill, Ontario L4C 9T3 905-731-6099 | www.lancasterhomes.ca

Gregor Homes 120 Clapperton St., Barrie, Ontario, L4M 3G4 705-721-3354 | www.gregorhomes.com Greystone Homes 12830 Yonge St., Suite 202 Richmond Hill, Ontario L4E 4H1 905-313-0455 | www.greystonehomes.ca H&R Developments* 3625 Dufferin St., Suite 500 Downsview, Ontario M3K 1N4 416-635-9921 | www.hr-newhomes.com Habitat for Humanity Toronto 155 Bermondsey Rd Toronto, Ontario M4A 1X9 416-755-7353 | www.torontohabitat.on.ca Halminen Homes 1748 Baseline Rd. W. Suite 100 Courtice, Ontario L1E 2T1 905-436-2600 | www.halminenhomes.com Heathwood Group of Companies, The* 245 Yorkland Blvd., Suite 100 Toronto, Ontario M2J 4W9 416-490-1400 | www.heathwood.com Highcastle Homes* 7600 Hwy. 27, Unit 1 Woodbridge, Ontario L4H 0P8 905-264-5565 | www.highcastlehomes.com Highmark Homes* 9000 Keele St., Unit 13 Concord, Ontario L4K 0B3 905-760-2631 | www.highmarkhomes.ca

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Intracorp Projects Ltd.* 25 Centurian Dr., Suite 201 Markham, Ontario L3R 5N8 905-940-6555 | www.intraCorporationca Jeffery Homes 1200 Airport Blvd., Suite 201 Oshawa, Ontario L1J 8P5 905-433-4701 | www.jefferyhomes.com Jourdan Group Inc. 9 Woodlawn Ave. E. Toronto, Ontario M4T 1B9 416-920-0111 Kaitlin Group Ltd., The 28 Sandiford Dr., Suite 201 Stouffville, Ontario L4A 1L8 905-642-7050 | www.kaitlingroup.com Kaneff Properties Ltd. 8501 Mississauga Rd., Suite 200 Brampton, Ontario L6Y 5G8 905-454-0221 | www.kaneff.com Karvon Homes Ltd. 11 Sims Cres., Unit B Richmond Hill, Ontario L4B 1C9 905-764-1900 | www.karvonhomes.com Kerbel Group Inc. 26 Lesmill Rd., Suite 3 Toronto, Ontario M3B 2T5 416-733-2202

Lanterna Group Ltd. 25 Scarsdale Road Unit 7 North York, Ontario M3B 2R2 416-665-2020 | www.lanterna.ca Laurel View Homes Inc. 4001 Chesswood Dr. North York, Ontario M3J 2R8 416-635-6663 | www.laurelviewhomes.com Laurier Homes Ltd. 150 Connie Cres., Suite 4 Concord, Ontario L4K 1L9 905-738-2009 | www.laurierhomes.com Lavandale Homes 2901 Bayview Avenue PO Box 91075 Bayview Village Willowdale, Ontario M2K 2Y6 416-603-7111 | www.lavendalehomes.com Lebovic Enterprises* P.O. Box 1240 Stouffville, Ontario L4A 8A2 905-640-7361 | www.lebovichomes.com Legend Creek Homes 1660 North Service Rd. E. Oakville L6H 7G3 905-849-1234 | www.legendcreekhomes.com Legend Homes Inc. 1660 North Service Rd. E., Suite 113 Oakville, Ontario L6H 7G3 905-849-1234 | www.legendhomes.net

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Lexis-Bayview Developments 255 Duncan Mill Rd., Suite 202 North York, Ontario M3B 3H9 416-449-7501

Mariposa Homes 3127 Stone Ridge Blvd.

Orillia ON L3V 6H2 705-329-3330 | www.mariposahomes.ca

Liberty Home Group 161 Pennsylvania Ave., Suite 4 Concord, Ontario L4K 1C3 905-761-6000 | www.libertyhomegroup.com

Markay Homes 1176 Burnamthorpe Road West Oakville, Ontario L6M 4L1 905-257-1220

Lifetime Homes (1037411 Ontario Inc.)* 270 Drumlin Circle, Suite 5 Concord, Ontario L4K 3E2 905-738-7850 | www.lifetime.homebuyers.com

Marshall Homes Corporation 1817 Fairport Rd., Pickering ON L1V 1T2 905-683-0050 | www.marshallhomes.ca

Lindvest Properties Limited* 3625 Dufferin Street, Suite 200 Toronto, Ontario M3K 1Z2 416-635-7575 | www.lindvest.com Liza Communities 30 Wertheim Crt., Suite 9 Richmond Hill, Ontario L4B 1B9 905-881-1026 | www.lizacommunities.com Logan Homes Ltd. (333568 Ontario Ltd.) 2 Risebrough Ave. Toronto, Ontario M2M 2E1 416-222-6118 Lormel Homes Ltd. 331 Cityview Blvd., Suite 300 Vaughan, Ontario L4H 3M3 905-832-2023 | www.lormelhomes.com Luvian Homes 588 Edward Ave., Suite 47&48 Richmond Hill, Ontario L4C 9Y6 905-737-8890 | www.luvianhomes.com MacPherson Builders Ltd. 40 West Wilmot Street, Unit 6 Richmond Hill, Ontario, L4B 1H8 905-882-8000 | www.macphersonbuilders.com Madison Homes* 369 Rimrock Rd. Toronto, Ontario M3J 3G2 416-661-4000 | www.madisonhomes.ca Mancini Homes Ltd.* 452 Nineteenth Avenue Richmond Hill, ONL4E 3P7 905-773-9997 | www.mancinihomes.ca

MaryDel Homes* 170 Industrial Parkway North Aurora, ON L4G 4C3 905 503 8500 | www.marydelhomes.com Mason Homes 30 Pennsylvania Ave., Suite 6 Concord, Ontario L4K 4A5 905-761-2050 | www.masonhomes.ca Matanda Homes Ltd. 31 Brimwood Cres.

Richmond Hill, Ontario L4B 4B6 416-823-4930 Mattamy Homes Ltd.* 2360 Bristol Circle Oakville, Ontario L6H 6M5 905-829-2424 | www.mattamyhomes.com Medallion Developments 970 Lawrence Ave. W., Suite 304 Toronto, Ontario M6A 3B6 416-256-3900 | www.medalliondevelopments.com Melody Homes Corporation 40 Bradwick Dr., Unit 22 Concord, Ontario L4K 1K9 905-660-6266 | www.melodyhomes.com Menkes Developments Inc.* 4711 Yonge St., Suite 1400 Toronto, Ontario M2N 7E4 416-491-2222 | www.menkes.com Meridian Homes 1051 Meyerside Drive Unit 11 Mississauga, Ont L5T 1J6 905-565-7417 | www.meridanhomes.ca

Minto Development Inc./ Minto Urban Communities Inc. * 500-90 Sheppard Ave East Toronto, ON, M2N 3A1 416-977-0777 | www.minto.com Moldenhauer Developments 1554 Dundas St, E, 2nd Floor Mississauga, Ontario L4X 1L4 416-410-5051 | www.moldenhauer.ca Monarch Corporation* 2550 Victoria Park Ave., Suite 200 Toronto, Ontario M2J 5A9 416-491-7440 | www.monarchgroup.net Monmar Developments Ltd./ Honeyfield Communities 333 Humberline Dr. Toronto, Ontario M9W 5X3 416-675-4174 | www.honeyfield.ca Morguard Residential Inc. 55 City Centre Dr., Suite 800 Mississauga, Ontario L5B 1M3 905-281-3800 | www.morguard.com Mosaik Homes 8800 Jane St. Vaughan, Ontario L4K 2M9 905-738-6444 www.mosaikhomes.com National Homes* 291 Edgeley Blvd., Suite 1 Concord, Ontario L4K 3Z4 905-669-9199 | www.nationalhomes.com New Age Homes Ltd. 30 Intermodal Dr., Suite 3 Brampton, Ontario L6T 5K1 905-790-9000 | www.newagehomes.ca New Era Homes Ltd. P.O. Box 215 Newmarket, Ontario L3Y 4X1 905-778-1818 Noik Group, The 3410 Sheppard Ave. E., Suite 300 Toronto, Ontario M1T 3K4 416-291-6665 | www.noikhomes.com

* See these fine builders in New Home Guide GTA magazine. Pick up your FREE copy today!

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Norstar Building Corporation/ Willowfield Homes* 7077 Keele St., Suite 102 Concord, Ontario L4K 0B6 905-738-0754 | www.norstarcompanies.com

Paradise Homes Corporation 625 Cochrane Dr., Suite 801 Markham, Ontario L3R 9R9 905-940-2933 | www. paradisehomesCorporationcom

North Star Homes Inc. 361 Four Valley Dr. Concord, Ontario L4K 5Z3 905-761-1320 | www.northstarhomesinc.com

Parkbridge Lifestyle Communities 690 River Rd. W. Wasaga Beach, Ontario L9Z 2P1 705-429-8559 | www.parkbridge.ca

Opus Homes 331 Cityview Boulevard, Suite 201 Vaughan, ON L4H 3M3 905-832-2522 www.opushomes.com

Peak Garden Developments Inc. 18 Crown Steel Dr., Suite 213 Markham, Ontario L3R 9X8 905-940-3339

Orchard Ridge Homes* 3700 Steeles Ave. W., Suite 800 Woodbridge, Ontario L4L 8M9 905-850-6154 | www.orchardridgehomes.com Orchid Valley Homes Ltd. 165 Charlotte St. S., Suite B Newmarket, Ontario L3Y 3S7 905-898-2623 Oskar Group* 3660 Midland Avenue, Suite 200, Toronto, ON M1V 0B8 416.293.9588 x 511 | www.oskargroup.com Oxnard Homes 9140 Leslie St., Unit 210 Richmond Hill, Ontario L4B 0A9 905-762-9200 | www.oxnardhomes.com Pace Developments Inc 30 Wertheim Court, Unit 3, Bldg A Richmond Hill, Ontario, L4B 1B9 905-731-5069 PCM Construction Inc. 1020 Matheson Blvd. E., Unit 16 Mississauga, Ontario L4W 4J9 905-625-6666 www.pcmconstruction.com Pacific Homes Ltd. 2 Holland Dr., Unit 1 Bolton, Ontario L7E 1E1 905-857-5633 | www.pacifichomes.ca

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Pemberton Group* 50 Confederation Pkwy.

Concord, Ontario L4K 4T8 905-326-4100 | www.pembertongroup.com Philmor Developments Ltd. 2 Hunters Point Dr., Suite 5 Richmond Hill, Ontario L4C 9Y4 905-882-0030 Picture Homes (1478876 Ontario Inc.) 180 Jardin Dr., Suite 8 Concord, Ontario L4K 1X8 905-760-0404 | www.picturehomesonline.com Pratt Development Inc. 301 King St. Barrie, Ontario L4N 6B5 705-792-3883 | www.pratthomes.ca Presidential Homes 27 Paxtonia Blvd., Suite 1 North York, Ontario M3K 1V9 416-636-3634 Prestonvale Heights Ltd. 11 Curity Ave. Toronto, Ontario M4B 1X4 416-429-0969 | www.prestongroup.ca Preston Group, The 11 Curity Ave. Toronto, Ontario M4B 1X4 416-429-0969 | www.prestongroup.ca Previn Court Homes 230 King Street South, Alliston, ON L9R 1C1 705-302-3235 | www.previncourt.com

Primont Homes Corporation* 9130 Leslie Street, Suite 301 Richmond Hill, Ontario L4B 0B9 www.primonthomes.com Pristine Homes 242 Applewood Crescent Unit 2, Concord, Ontario, L4K 4E5 905-738-4994 | www.pristinehomes.ca Queenscorp Group 2 Queen Elizabeth Blvd.

Toronto, Ontario M8Z 1L8 416-253-6909 www.queensCorporationcom Queensgate Homes Inc. 3800 Steeles Ave. W., Suite 401w West Building Woodbridge, Ontario L4L 4G9 905-264-0600 www.queensgatehomes.com Quintessa Homes Corporation 10995 HWY # 27 Kleinburg, Ontario, Canada, L0J 1C0 905-893-1988 www.quintessa.ca Ramtin Sotoadeh Homes Ltd./ LSI Engineering 110 – 23 Lesmill Rd, Toronto, M3B-3P6 416-481-0282 www.Isiengineering.com RedBerry Homes 43 Princess Point Drive, Wasaga Beach 705-428-5115 | www.redberryhomes.com Regal Crest Homes* 171 Basaltic Rd., Unit 1 Concord, Ontario L4K 1G4 905-669-5003 www.regalcresthomes.com RegalCraft Homes Inc.* 6991 Millcreek Dr., Unit 12 Mississauga, Ontario L5N 5B9 905-814-9800 www.regalcrafthomes.com Regency Heights Homes 151 Spinnaker Way, Suite 5 Concord, Ontario L4K 4C3 905-738-4709 www.regencyheightshomes.com

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Remington Homes* 7501 Keele St., Suite 100 Vaughan, Ontario L4K 1Y2 905-761-8200 www.remingtonhomes.com Ristic Homes Inc. 6 McKelvey Dr. Thornhill, Ontario L3T 5X7 905-886-8707 | www.ristichomes.com Rivera Home Builders 1681 Langstaff Road, #1 Vaughan, Ontario L4K 5T3 905-326-6138 Riverfield Homes 110 Trowers Rd. Woodbridge, Ontario L4L 5Z4 905-850-9550 www.riverfield.com Rivermill Homes 14 Connie Cres., Suite 17 Concord, Ontario L4K 2W8 905-761-9465 | www.rivermillhomes.com Robynwood Homes 371 Bradwick Dr., Suite 8 Concord, Ontario L4K 2P4 905-660-8720 www.robynwoodhomes.com Rockport Group, The* 170 The Donway West, Suite 307 North York, Ontario M3C 2G3 416-444-7391 www.rockportgroup.net Rodeo Fine Homes 70 Gibson Dr., Unit 13 Markham, Ontario L3R 4C2 905-475-7893 www.rodeofinehomes.com Rose Valley Homes 115 Woodstream Blvd., Unit 13 Woodbridge, Ontario L4L 8K5 905-851-6402 www.rosevalleyhomes.com Rosehaven Homes Ltd.* 145 Reynolds St., Suite 300 Oakville, Ontario L6J 0A7 905-849-1166 www.rosehavenhomes.com

Royal Lane Homes 620 Wilson Ave., Suite 202 Toronto, Ontario M3K 1Z3 416-630-5263 | www.royallanehomes.com Royal Park Homes 65 Royalpark Way Woodbridge, Ontario L4H 1J5 905-850-7144 | www.royalpark.com Royal Pine Homes Ltd. 3550 Langstaff Rd., Suite 200 Woodbridge, Ontario L4L 9G3 905-856-8459 | www.royalpinehomes.com Royalcliff Homes Inc. 100 Regina Rd., Unit 3 Woodbridge, Ontario L4L 8M7 905-265-1611 www.royalcliffhomes.com Running Brook Homes Ltd. 173 Foxhill Dr. Maple, Ontario L6A 1J9 416-402-4848 Saberwood Homes 40 Snidercroft Road. Unit 1 Vaughan, Ontario L4K 0B5 905-761-8690 www.saberwoodhomes.com Schickedanz Brothers Ltd. 3311 Bayview Ave., Suite 105 Willowdale, Ontario M2K 1G4 416-223-0710 www.schickedanzbros.com Senarra Homes Inc. 1090 Aerowood Dr., Unit 1 Mississauga, Ontario L4W 1Y5 866-624-8668 www.senarra.com Senator Homes 250 Lesmill Rd. North York, Ontario M3B 2T5 416-445-8552 | www.senatorhomes.com Sentex Development Inc. 55 St. Clair Ave. W., Suite 205 Toronto, Ontario M4V 2Y7 416-636-8596 | www.sentexdev.com

Sequoia Grove Homes Inc. 8611 Weston Rd., Suite 18 Vaughan, Ontario L4L 9P1 905-265-0455 www.sequoiagrovehomes.com Sierra Homes Inc. 156 Duncan Mill Road, Unit 23A Toronto, Ontario M3B 3N2 905-508-7186 | www.sierra.ca Silver Streams Homes Inc. 103 Naughton Dr. Richmond Hill, Ontario L4C 8B3 905-508-7186 Sky Homes Corporation 3300 Steeles Ave. W., Suite 9 Concord, Ontario L4K 2Y4 416-663-9334 | www.skyhomes.ca Solmar Development Corporation 122 Romina Dr. Concord, Ontario L4K 4Z7 905-660-9222 www.solmar.ca Solotex Corporation 3830 Bathurst St., Suite 115 Toronto, Ontario M3H 6C5 416-398-1171 Somerset Homes 1030 Sheppard Ave. W., Suite 5 Toronto, Ontario M3H 6C1 416-638-8663 | www.somersethome.ca Spring Town Homes 1415 Bonhill Rd., Suite 1 Mississauga, Ontario L5T 1R2 905-670-6666 www.springtown.com Spruce Tree Resorts Inc. 5300 Yonge St., Suite 205 Toronto, Ontario M2N 5R2 416-228-1200 www.sprucetreeresorts.com Stafford Homes Ltd. 55 St. Clair Ave. W., Suite 408 Toronto, Ontario M4V 2Y7 416-461-6100 www.staffordhomes.ca

* See these fine builders in New Home Guide GTA magazine. Pick up your FREE copy today!

2014 Home Builders’ Annual

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Stanford Homes Ltd. 40 Vogel Rd., Suite 1 Richmond Hill, Ontario L4B 3N6 905-780-9610 www.stanfordhomes.ca

Sundial Homes Ltd. 4576 Yonge St., Suite 500 Toronto, Ontario M2N 6N4 416-224-1200 www.sundialhomes.com

Times Group Corporation 3985 Hwy 7 East, Suite #202 Markham, Ontario L3R 2A2 905.940.6286 www.timesgroupCorporationcom

Starcrest Homes Ltd. 217 Queen’s Plate Dr., Unit D Toronto, Ontario M9W 6Z7 416-746-9555 www.starcresthomes.ca

Sunfield Homes 120 Whitmore Rd., Unit 8, Suite 800 Woodbridge, Ontario L4L 6A5 905-851-2424 www.sunfieldhomes.com

Touchstone Homes (Laredo Construction Inc.) 15 Lesmill Rd., Suite 1 North York, Ontario M3B 2T3 416-798-7220

Starlane Home Corporation* 8600 Dufferin St. Vaughan, Ontario L4K 5P5 416-736-8854 www.starlanehomes.com

Sunvale Homes 200 Lakeview Court, Unit 2, Orangeville, Ontario L9W 5J7 519-341-6443 x100 www.sunvalehomes.com

Townwood Homes Inc.* 1 Bradwick Dr., Suite 1 Concord, Ontario L4K 2T4 905-669-1615 www.townwoodhomes.com

Stateview Homes 410 Chrislea Rd. Unit 16 Woodbridge, ON L4L 8B5 905.851.1849 www.stateviewhomes.com

Terra Brook Homes Inc. 241 Applewood Cres., Unit 3 Concord, Ontario L4K 4E6 905-660-7417 www.terrabrookhomes.ca

Treasure Hill Homes* 1681 Langstaff Road Vaughan, Ontario L4K 5T3 416-987-5500 | www.treasurehill.com

Stonebridge Building Group Inc.* 2458 Dundas St. W. Mississauga, Ontario L5K 1R8 905-823-2615

Thomas Feeley Construction Ltd. 371 Bradwick Dr., Suite 8 Concord, Ontario L4K 2P4 416-281-9304

Storybook Homes 27-1300 King St. E., Box 229 Oshawa, Ontario L1H 8J4 905-438-9516 | www.storybookhomes.ca

Thornridge Homes Ltd.* 225 Bradwick Dr., Unit 18 Concord, Ontario L4K 1K7 905-669-4483 www.thornridgehomes.com

Summerhill Homes Ltd. 20 Wertheim Crt., Suite 17 Richmond Hill, Ontario L4B 3A8 905-886-6900 www.homesbysummerhill.com

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Tibro Developments 1 Scarsdale Road Unit 300, North York, Ontario, Ontario M3B 2R2 647-426-3415

Summit View Homes Ltd. 9120 Leslie St., Suite 101 Richmond Hill, Ontario L4B 3J9 905-886-8287 www.summitviewhomes.com

Tice River Estates Inc. 1919 Albion Rd. Toronto, Ontario M9W 5S8 416-674-5717

Sundance Development Corporation 3190 Steeles Ave. E., Suite 304 Markham, Ontario L3R 1G9 905-307-2220 www.sundancehome.com

Tiffany Park Homes* 601 Magnetic Dr., Unit 1 & 2 North York, Ontario M3J 3J2 416-665-8880 www.tiffanyparkhomes.com

Trevcor Management Inc. 11 Cidermill Ave., Suite 200 Vaughan, Ontario L4K 4B6 416-398-0771 | www.trevcor.com Tribute Communities* 1815 Ironstone Manor, Unit 1 Pickering, Ontario L1W 3W9 905-839-3500 | www.tributecommunities.com VHL Developments* Gareene Homes 271 Yorkland Blvd., Toronto, ON M2J 1S5 416.391.4870 | www.vhldevelopments.com Valemont Communities Inc. 120 Homewood Ave., Suite 2009 Toronto, Ontario M4Y 2J3 416-230-9951 | www.valemont.com Vandyk Group of Companies 1944 Fowler Drive Mississauga, Ontario L5K 0A1 905-823-4606 | www.vandyk.com Verdiroc Development Corporation 19 Lesmill Road, Suite 101 Toronto, Ontario, M3B 2T3 416-486-4270 | www.verdiroc.com

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Victoria Wood Development Corporation Inc. 8500 Leslie St., Suite 210 Markham, Ontario L3T 7M8 905-889-5510

Zancor Homes 137 Bowes Rd. Concord, ON L4K 1H3 905-738-7010 www.zancorhomes.com

Vista Homes 15 Belfield Rd., Suite 2 Toronto, Ontario M9W 1E8 416-663-0330

Zoran Properties Inc. 940 The East Mall, Suite 303 Toronto, Ontario M9B 6J7 416-620-5696 www.zoranproperties.com

Vogue Development Group Inc., The 1118 Centre St., Suite 208 Thornhill, Ontario L4J 7R9 905-886-8500 Weldan Properties Inc. 2212 Oneida Crt. Mississauga, Ontario L5C 1V6 905-281-8579 www.weldanproperties.com Windemere Heights Homes Ltd./ Windemere Custom Homes 130 LePage Crt., Suite 15 Toronto, Ontario M3J 3J1 416-630-1500 www.windemerehomes.ca

Builder’s Choice Suppliers StoneSelex Inc. 4444 Eastgate Parkway, Unit 4 Mississauga, Ontario L4W 4T6 905-672-2887 www.stoneselex.com Dominion Door & Windows Ltd 130 Pennsylvania Ave., Unit #8,Concord, Ontario L4K 4A8 905-761-9722 www.dominiondw.com

Winzen Homes Ltd. 30 Algie Ave. Toronto, Ontario M8Z 5J8 416-253-5900 | www.winzen.ca Wycliffe Group Ltd., The* 34 Doncaster Ave., Suite 201 Thornhill, Ontario L3T 4S1 905-881-3040 www.wycliffehomes.com Yorkwood Homes 95 Barber Greene Road, Suite 302 Don Mills, Ontario M3C 3E9 416.449.6350 | www.yorkwoodhomes.com Your Home Developments 4965 Steeles Ave W. North York, ON, M9L 1R4 416-745-6686

* See these fine builders in New Home Guide GTA magazine. Pick up your FREE copy today!

2014 Home Builders’ Annual

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Mortgage Matters

Thinking of purchasing a new home?

Thinking mortgage options?

Tread carefully!

by Tom Gasparec

When it comes to clinching the deal for your

desired home, heed the phrase, “a stitch in time saves nine.” It’s prudent to seek mortgage advice well before you start to shop for a home – at least three to six months before. This will allow your mortgage professional the time needed to re-structure your credit worthiness and finances, allowing you access to the “cream of the crop” mortgage products offered only to the privileged few.

Many ask, why seek the advice of an Accredited Mortgage Professional (AMP) when they can just visit their bank, with whom they have an existing relationship? We encourage our clients to do their due diligence. Being ill prepared and choosing the wrong mortgage strategy can cost thousands of extra dollars.

Key RISK factors to consider when obtaining a NEW mortgage:

› If you opt for your bank’s variable rate, you will lose one per cent on your conversion rate should you need to convert to a fixed rate in the future when rates rise. › Penalties are higher than they appear – another common misstep with taking a bank mortgage. Banks use their posted rates less a discount that they give to you. This discount off the bank’s posted rate will cost you thousands more in penalties in the future if you break your mortgage prior to the end of the term. › All of the big six banks now have mortgages that are collateral charges, which are basically a different method of securing a mortgage on your home. Avoid being handcuffed, thereby losing your leverage at renewal time.

An AMP can show you how to save tens of thousands of dollars in potential interest rate penalties, conversion differentials, and obtain for you the leverage that you need at renewal time to secure the best deal.

Did you know...

› Changes to mortgage insurance premiums Canada Mortgage & Housing Corp. (CMHC) mortgage insurance premiums will increase for all loan-to-value ranges, for standard owner-occupied purchase applications submitted on or after May 1, 2014.

› Increased Home Buyers’ Plan withdrawal limit If you have RRSPs, the withdrawal limit is up to $25,000 tax-free for first-home purchases and related costs such as your down payment and closing costs. › First-Time Home Buyers’ Tax Credit You can claim a non-refundable tax credit on an amount of $5,000, for a credit of up to $750, in the year the home is purchased. › Five-per-cent down payment minimum Gone are the days of the five-per-cent cash-back mortgage from banks, due to recent federal government rule changes. However, there are some lenders, not governed under the Bank Act, that can still offer a five-per-cent cash-back program. › Energy-efficient home rebate Receive a 10-per-cent refund on your CMHC mortgage insurance premium when purchasing an energy-efficient home or when renovating your home to meet energy-efficiency guidelines › Limited income verification Self-employed and commission sales people have struggled to buy their first home, with strict down payment requirements of 25 per cent. Now with limited income verification, entrepreneurs can purchase with as little as 10 per cent down.

Your goal should be to reduce your total cost of homeownership by developing a mortgage strategy that minimizes your interest paid over the life of your mortgage.

Is your plan only for the first five-year term of your 25-year mortgage? With the interest on the mortgage costing more than the purchase price, shouldn’t there be a strategy in place to reduce this enormous amount of the full 25 years? Do you have one? An AMP is dedicated to finding the best mortgage solutions for your needs, offering a high level of integrity, customer service and industry knowledge. For more information on AMPs and the world of mortgages, visit mortgageconsumer.org

Tom Gasparec is an Accredited Mortgage Professional with R.D.M. Financial Consultants Ltd. o/a The Mortgage Centre, License #10716, located at 2085 Hurontario St., suite 202 in Mississauga. Call toll free 866.492.4024 x 4, and visit online at thinkmortgage.ca and facebook.com/tomgasparec.mortgageteam 2014 Home Builders’ Annual

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mattamyhomes.com

A

t Mattamy Homes we devote a lot of time to listening to people who are looking for a home.

We do our very best to reflect their desires. We also do our very best to deliver satisfaction every step of the way. It starts from the moment you honour us with the task of building your home until long after you’ve moved in. Today we have built over 60,000 homes in hundreds of communities across North America.

We are currently creating satisfying neighbourhoods across the United States in Phoenix, Charlotte, Minneapolis, Orlando, Jacksonville and soon to

expand into Tampa and Sarasota. In Canada we are proud to create master planned communities in the GTA, Ottawa and Calgary and very soon we will bring our style of community design to Edmonton.

Customer satisfaction defines Mattamy, customer satisfaction is a learning experience. Satisfaction isn’t something we give, it’s something we earn. Every day.

2014 Home Builders’ Annual

Growth Through Experience.

Through the years we have captured many industry awards for the quality of our customer care. Many of these awards are based on comments from our homeowners. That makes us as happy as our homeowners because there is no greater reward than a simple “thank you” from a satisfied homeowner.

We look forward to many more happy homeowners, tomorrow and beyond.

The Preserve, Oakville, Model Homes

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