Ottawa New Home + Condo Guide – March 12, 2022 by NextHome

Ottawa March 12–April 9, 2022

The ﬁrst and only complete guide to pre-construction homes and condos

Innovation in construction INSIDE:

PREPARING TO BUY IN UNCERTAIN TIMES

WALKING TALL IN WESTBORO

EDITOR’S NOTE

SPRING AHEAD

SUSAN LEGGE EDITOR-IN-CHIEF New Home + Condo Guide EMAIL: susan.legge@nexthome.ca TWITTER: @SusanLegge

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As I write this column, against a backdrop of happier COVID-19 news and sadder world news, the homes we live in, where we’ve spent more time than ever over the last two years, continue to provide comfort and shelter from the proverbial storm. Tradespeople, designers and builders, like the ones featured in this issue, have been busier than ever as more people realize the importance of their home environment. The demand for housing has never been higher, and the need for innovative housing solutions has never been more important. Our cover story by broker Irina Popova on Page 8, talks about how the industry is building more quickly, safely and cost-effectively thanks to technology, and this edition also covers off several housing issues that are making news, including our Ottawa market outlook on Page 14. Rising interest rates became big news earlier this month, and James Laird, co-founder of Ratehub.ca and president of CanWise, breaks down what higher rates will mean for the average Canadian buyer. Also ahead, a column from lawyer Jayson Schwarz regarding preparing to buy a home in uncertain times, and mortgage advice from experts Jesse Abrams and Ben McCabe. If you’re dreaming of a little place near the beach, you can check out our story on Westboro on Page 16, and designer Kate Davidson offers some great tips on maximizing space in a small home. Be sure to also take in Mark and Ben Cullen’s philosophical gardening column, too. Their advice on how gardeners can help change the world is a much-needed spring elixir.

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New Home + Condo Guide | March 12–April 9, 2022

MARCH 12–APRIL 9, 2022 | VOLUME 22, ISSUE 3

CONTENTS

CHIEF REVENUE OFFICER

Jacky Hill Jacky.Hill@nexthome.ca EDITOR-IN-CHIEF

Susan Legge Susan.Legge@nexthome.ca CONTRIBUTING EDITORS

COVER STORY

Sara Duck MEDIA CONSULTANT

Natalie Chin 416.881.4288 natalie.chin@nexthome.ca SALES & MARKETING CO-ORDINATORS

Gary Chilvers Vi Nguyen DISTRIBUTION

distributionteam@nexthome.ca ACCOUNTING INQUIRIES

accountingteam@nexthome.ca DIRECTOR OF PRINT MEDIA

Lauren Reid–Sachs

GRAPHIC DESIGNER & ASSISTANT MANAGER

Alicesa Pullan GRAPHIC DESIGNER & PRE-PRESS COORDINATOR

Hannah Yarkony GRAPHIC DESIGNERS

Innovation IN CONSTRUCTION

Johannah Lorenzo, Jean Fay Rodriguez, Mike Terentiev

Published by

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NEWS + ADVICE

Reverse mortgages

Legally Speaking Preparing to buy in uncertain times

BY BEN MCCABE

29 Trending

BY JAYSON SCHWARZ

INSPIRATION

#InsideOttawa

20 In The Garden

Personal Finance Look beyond the interest rate

BY BEN AND MARK CULLEN

Style File Big ideas for small spaces BY KATE DAVIDSON

IN EVERY ISSUE

Housing Outlook

30 New Home & Condo Developments

BY WAYNE KARL

Community Focus Westboro—an Ottawa community rises to the top

Gardens link to nature

BY JESSE ABRAMS

Another strong year for Ontario real estate?

BY JAMES LAIRD

BY IRINA POPOVA

What’s new and trending in the Ottawa real estate market

Bank of Canada raises its key overnight rate

Industry Insider Avoiding mistakes when buying pre-construction

Finance

New Home + Condo Guide | March 12–April 9, 2022

34 What’s Online

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Advertising Call 1.866.532.2588 ext. 1 for advertising rates and information. Fax: 1.888.861.5038 Circulation Highly targeted, free distribution system aimed at real estate buyers using street level boxes and racking. Call 1.866.532.2588 to discuss distribution opportunities. Copyright Notice All copyright and other intellectual property rights in the contents hereof are the property of NextHome, and not that of the individual client. The customer has purchased the right of reproduction in NextHome and does not have the right to reproduce the ad or photo in any other place or publication without the previous written consent of NextHome. Contents of this publication, in hard copy format as well as online, are covered by copyright law, and offenders will be prosecuted. Copyright 2022 All rights reserved. Reproduction, storage in a retrieval system or transmission, in any form or by any means, whether electronic, mechanical or otherwise, in whole or in part, without prior written permission of NextHome is strictly prohibited. Terms Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time. Editorial Submissions from interested parties will be considered. Please submit to the editor at editorial@nexthome.ca.

Discover a place you’ll love to live. Mapleton is a modern new community in Kanata West, featuring a townhome collection now for sale. Enjoy a family-friendly neighbourhood close to some of Ottawa’s best amenities, schools and beautiful green spaces. SALES OFFICE: 343 HALIBURTON HEIGHTS | MON-THUR: 12PM-8PM | SAT-SUN: 12PM-5:30PM 613.435.1183 | MAPLETON@RICHCRAFT.COM

ADVICE | LEGALLY SPEAKING

PREPARING TO BUY IN UNCERTAIN TIMES

JAYSON SCHWARZ, LLM

Home prices continue to escalate and interest rates are expected to rise. What does this mean for you, as you consider buying a new home? Real estate is the most important investment that most people will make in their life. The single biggest rule in any real estate purchase is this: Do not go into a real estate deal thinking

New Home + Condo Guide | March 12–April 9, 2022

you can pull off a quick flip. If you can hold for the long term, you will rarely go wrong. In these most interesting times, the biggest risk is to the investor group. Today’s prices require significant cash invested to make that scenario work, especially if mortgage rates go up. My advice, be very careful. If you are buying a home as your principal residence, it’s always the right decision if you can carry it, even if rates rise. The performance of the Ontario housing market over the last several years indicates that if you

wait, it’s likely going to cost you more; a lot more. Homeownership as a principal residence satisfies many needs. The best way to protect yourself in a rising interest rate environment is to put down a large down payment, as this hedges against rate increases. If you are not able to do that, but have good cash flow, you may still be fine, and in both cases your goal should be to hold for the long term. This will likely yield price growth, despite the ups and downs, and in the end it will prove to be the best investment

you ever made. After all, where else can you “enjoy” your money every day? When you walk through the front door, you know this is your home – a place for you, your family and your pets. In addition your financial gain is, so far, tax free. The law of supply and demand dictates price. As immigration continues to increase and housing inventory remains low

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Once you buy, don’t even think about your home’s value; just enjoy it and pay off as much of your mortgage as you can.

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prices will ordinarily continue to rise, or at the very least remain stable. Can a price adjustment happen? The one scenario to be aware of is a significant increase in interest rates. Yes, rates may climb – some economists predict as many as six small increases over the next two years – and inflation has risen. COVID-19 and supply shortages have had an impact around the world, and the cost of living has risen everywhere. If the untangling of the supply chain doesn’t fix the problem, and the thousands of people affected by the pandemic don’t return to work, the cost of living will continue to rise. However, many experts believe that once the supply chain returns to normal, inflation will settle at the acceptable level of two to three per cent per year.

Governments, though, don’t always act rationally when people cannot afford to buy groceries, and they believe prices must be brought under control. This inflation is different, because it’s brought on by shortages, not wage increases. If the Canadian and U.S. governments overreact to inflation and raise interest rates too much or too quickly, the economy will suffer and the housing market may be detrimentally affected. Let’s hope rational thinking prevails, and rate increases are slow, measured and effective. These issues can be complicated, but for you as a prospective homebuyer, your focus is more narrow: Save as large a down payment as possible, consider taking the longest mortgage you can with the shortest amortization you can afford, lock in your payments, and plan for contingencies. Remember, every blended payment reduces your outstanding principal, and this will help you with payments even if there has been a rate increase, when it’s time to renew. Once you buy, don’t even think about your home’s value; just enjoy it and pay off as much of your mortgage as you can. The value will always be there. Face the future with confidence, knowing you made a wise homebuying – and investment – decision. Jayson Schwarz LL.M. is an Ontario real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

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COVER STORY

INNOVATION IN CONSTRUCTION IRINA POPOVA

It has now been two years since I’ve become a monthly contributor to this wonderfully informative publication and so far I’ve focused my research on pre-construction from the consumer’s point of view. This month I’ve decided to switch gears a little bit and check out the innovative technology that has been influencing the other side of the transaction—the builders. 8

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While the majority of the tools listed below have yet to be used in mainstream construction, they are bound to eventually have a major influence on quality of build, worker safety and cost of development. ROBOTS AND DRONES

Drones are already in use by many construction firms and their popularity is only bound to soar. With many potential applications at hand, these small flying objects can be used in many capacities. Tracking equipment on construction sites, topographic mapping (drones can reduce this cost by approximately 95 per cent!),

site security surveillance, and something we see in many condo projects - aerial view shots for marketing to consumers—just to name a few. Construction robots are not quite as widely used yet but many types of robots are currently in design stages, with potential to help solve the issue of labor shortage. These robots can be used for factory jobs to repeat a single task of manufacturing parts, they can be used in a collaborative manner in assisting human workers on a job site by carrying tools or heavy machinery, or they can be fully autonomous and perform entire tasks on their own.

AUGMENTED REALITY

This is the coolest one in my opinion— this technology would give builders the ability to see structures and components of a project in real time before they actually exist! By using a device with augmented reality abilities (smart phone, iPad, special glasses), builders can view a job site with additional information projected directly on top of the real view. For example, a construction worker could point an iPhone at an empty wall and the technology would show the plans that have been programmed there as if already

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completed, displaying the kitchen design or perhaps the outline of electrical lines that need to be installed. This can help workers follow building plans more accurately, therefore saving time and costs. This can also help visualize modifications without performing the actual work, again saving time and costs. The future of augmented reality will likely rely on special glasses, which would then offer hands-free access to this information at all times. WORKER SAFETY

Construction is one of the riskiest industries to work in. Many

By using a device with augmented reality abilities (smart phone, iPad, special glasses), builders can view a job site with additional information projected directly on top of the real view.

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injuries and deaths are reported every year, resulting from falls and equipment malfunction. Integrating technology into personal protective equipment offers added safety for workers, potentially preventing these catastrophic consequences across the industry. Some of this wearable technology is already in use today—smart hard hats that can detect episodes of “microsleeps” resulting from sleep deprivation which puts workers at risk of injury; smart boots that can alert of risk of a collision with nearby construction vehicles equipped with sensors; smart watches and other monitors that check for fatigue and enable contact tracing. Taking it a level higher, there are also construction exoskeletons. These suites truly look like something out of a sci-fi movie - full body armour with motorized joints that provide extra support and power during repetitive movements like bending, lifting and grabbing. These wearable machines are gaining traction as a tool to reduce injuries and increase efficiency. Well, I’m feeling pretty inspired from all of this innovation! Hopefully these amazing new devices will become widely available and used in mainstream construction sooner rather than later and help bring down construction costs, therefore making the housing prices in Canada more attainable.

Irina Popova is a real estate agent and co-owner of The Agency Ottawa. She has been specializing in the central Ottawa market since 2013.

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#InsideOttawa Ottawa

SCENIC AND CONVENIENT

THE TEAM AT CARDEL HOMES’ IS PLANNING to launch their new community, Mississippi Shores in Carleton place, very soon! The community will include single-family and townhomes, and is located along the Mississippi River in Carleton Place, just north of Highway 7. Carleton Place was named one of Canada’s fastest growing towns, and is only 20 minutes from Kanata. Mississippi Shores is adjacent to not one, but two parks—Riverside Park and Roy Brown Park. Register on the Cardel Homes’ website to be the first to know about floorplans, releases and pricing. The new community will be selling out of Cardel’s Miller’s Crossing sales centre until the grand opening of their new model home. cardelhomes.com

Tour Richcraft’s virtual model homes online, anytime Richcraft has several model homes to tour on its easy-to-use website. The model gallery offers an inside look at a few of the single family, bungalow, and townhome available. Each model is beautifully decorated, and there are video walk-throughs and Matterport views to take in as well. Ready to visit or want to find out more? Connect with a Richcraft representative via text message through the website. richcraft.com 10

Your new home… DELIVERED

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ADVICE | PERSONAL FINANCE

LOOK BEYOND THE RATE KEY FACTORS TO CONSIDER IN YOUR MORTGAGE

JESSE ABRAMS

Many people think that locking in a good interest rate is the best way to save money on your mortgage. However, it’s actually the features that will help you save the most money in the long run. With rates rising, it’s 12

New Home + Condo Guide | March 12–April 9, 2022

important to look beyond just interest rates and consider other key features when shopping around for a mortgage. WHICH MORTGAGE FEATURES SAVE YOU THE MOST MONEY?

The real savings come with a full-featured mortgage. The truth is, many homebuyers break their mortgage before the end of their five-year term. This can be for a number of

reasons, including upsizing to a larger home, moving to a new city or refinancing to borrow more against a home’s equity. However, depending on your mortgage contract, breaking your mortgage could potentially result in a large penalty fee. Sometimes, this could cost you up to $30,000 or more. Some lenders offer products called “Low Rate Basic” mortgages or “No Frills”

less interest over time. However, if you don’t have this prepayment privilege in your mortgage contract then you’ll likely incur a fee. ACCELERATED PAYMENTS

mortgages that come with slightly lower rates. While many people are enticed by these options, they don’t realize that they come with fewer features. Although these options might save you $1,200 over the course of your five-year term, the penalty to break this type of mortgage could likely end up being 20 times greater – no one wants that. Further, some large financial institutions have very large penalties when breaking a mortgage, based on their “posted rate,” which is usually much higher than their promoted rates. When a mortgage is broken, that posted rate is often the barometer for the penalty. That’s why you want to ensure that you’re securing a fullfeatured mortgage that includes prepayment privileges and

low penalties in your contract. Some other key features to consider are: ANNUAL LUMP SUM PAYMENTS

This is the amount of money you can put down on an annual basis to pay off your mortgage quicker. Some lenders allow for zero annual lump sums, while others offer up to 20 per cent. If you’re expecting to get a raise or an inheritance, this option will allow you to put this extra money toward your mortgage without penalty. MONTHLY PREPAYMENTS

These prepayments serve as extra money you’re allowed to put toward your mortgage on a monthly basis. Having the flexibility to pay down your mortgage faster allows you to pay

This option enables borrowers to pay down their mortgage in a shorter period of time by making two additional payments each year. For example, if you have a 25-year mortgage and have the option to make accelerated payments, you’ll be able to cut your mortgage term down to 22 years – which means you’re paying a lot less interest over time. At Homewise, we often find that first-time buyers aren’t always aware of these beneficial features and the details of their mortgage payments. They’ll typically go straight to their existing bank for a mortgage, without shopping around for a more suitable option. It’s always a good idea to shop around for a mortgage, as features will vary from one lender to the next. That’s why it’s important to explore what’s available in the market and take the time to understand what each lender is offering. Instead of focusing solely on the rate, you want to really keep an eye on those prepayment privileges and penalties to ensure that you’re not losing out on the opportunity to save money in the future. Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com

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SPECIAL REPORT | OUTLOOK 2022

POISED TO BE ANOTHER STRONG YEAR FOR ONTARIO REAL ESTATE by WAYNE KARL

A year ago when preparing our Outlook 2021 coverage, we – and virtually all of the sources we quoted in our report – were beyond surprised at how well the previous year had finished, and how strong the market looked for 2021. RBC went as far as to call 2020 “easily the most surprising year in the history of Canada’s housing market.” During a pandemic. Well, here we are again, and the outlook for 2022 is for – if you can believe it – more of the same. Indeed, and within this Special Report: Outlook 2022 illustrates, the economy and housing markets in Canada continue to defy the odds and perform remarkably. “For Ottawa I would say that yes I expect 2022 to be as strong as the past number of years in terms of activity,” said Jason Burggraaf, Executive Director of the Greater Ottawa Home Builders’ Association. It’s extremely difficult to know if COVID-19 will have a long-lasting effect on buying habits, and whether it’ll still be a factor for people who are purchasing homes two, five or 10 years down the road. But it’s 14

New Home + Condo Guide | March 12–April 9, 2022

certainly still in the minds of buyers right now. Also hard to believe is that it’s all happening – unfortunately, still – during an ongoing pandemic. The new home and resale markets continue to perform at staggering numbers, the challenges of COVID-19 notwithstanding. The market challenges, whether brought on by COVID-19, policy or supply chain issues, are not to be overlooked. They are serious, but that further speaks to the strength and resilience of the housing market. Here’s a number of considerations as to why 2022 is poised to be another strong year for real estate and some of the challenges to be aware of. HOUSING AS AN ELECTION ISSUE

The federal election last September proved that housing has rightly become a major concern. All kinds of major bodies, from realty firms to builder associations to economists, have long driven home the point that the issue – lack of supply and deteriorating affordability – needs serious attention. Prime Minister Justin

Trudeau can no longer ignore the facts, and the Liberals put forth a number of programs to address the matter. Now comes the opportunity to make the point at the provincial level, on June 2, and in municipal elections, on Oct. 24. The broad consensus is that lack of housing supply is driving the affordability challenge. The causes of the supply dilemma are multifactorial and complex, but are rooted in constrained land supply, lengthy building times driven by unnecessarily complicated and bureaucratic approval processes, and a tight supply of skilled labour. PREPARE FOR RISING INTEREST RATES

A number of experts foresee multiple interest rate hikes in 2022, in part to tame rapid home price growth and inflation, and to quell any instability in the market due to COVID-19, and the first signs of an interest rate hike was announced March 2 by the Bank of Canada (see this issue for more on this). “Fixed rates have already increased by close to a percentage in the last six months,” says Jesse Abrams, co-founder and CEO of

Homewise. “So, looking into 2022, we may see slight increases to fixed rates, and up to a one-percent increase to variable rates, if the prognosticators are correct. This is a good time to lock into a fixed rate if you are comfortable with it. “With home prices rising at uncontrollable levels, rate hikes are an immediate way to attempt to stabilize the market. So, if I were a betting man, I would expect three to four increases in 2022.” THE RESILIENCE OF THE ECONOMY

A strong economy, and the underlying fundamentals, are everything when it comes to real estate and the demand for housing. Economic growth produces job opportunities, which leads to population growth, housing demand and new home development. And, though it may surprise you, during the pandemic, the economy here has continued to roar along. In fact, according to the Fraser Institute, an independent, Canadian public policy think-tank, job growth in the region exceeds the national average. Other parts of Ontario are a little more challenged. Lastly, so much product came to market in 2021, that there is not as much in the pipeline for 2022, as many developers

concentrate on finishing their existing projects. In the Ottawa region, Burggraaf said the requirement to keep pace with demand would mean the construction of 10,000 homes a year over the next decade. “I’m not sure that’s even enough given our expected population growth,” he added. “The simple matter is that demand is outstripping supply,” said Burggraaf. “A Scotiabank report from last year (“Estimating the Structural Housing Shortage in Canada: Are We 100 Thousand or Nearly 2 Million Units Short?”) elaborates on the decline - the number of housing units per 1,000 residents in OttawaGatineau decreased from 421 in 2016 to 412 in 2020. So we have a systemic housing shortage. Given this dynamic, it’s no wonder we’ve seen prices increase the way they have.” THE STRENGTH OF ONTARIO REAL ESTATE

Home price growth is expected to continue in Canada this year, with Ontario leading the way. According to the 2022 Canadian Housing Market Outlook Report from ReMax Canada, average residential sales prices across the country will rise 9.2 per cent, thanks largely to the ongoing housing supply shortage,

inter-provincial migration and other factors. “The inter-provincial relocation trend that we began to see in the summer of 2020 still remains very strong and is expected to continue into 2022,” says Christopher Alexander, president, ReMax Canada. “Less dense cities and neighbourhoods offer buyers the prospect of greater affordability, along with livability factors such as more space. In order for these regions to retain these appealing qualities and their relative market balance, housing supply needs to be added. Without more homes and in the face of rising demand, there’s potential for conditions in these regions to shift further.” Despite the global pandemic, many Canadians still feel confident in the real estate market. According to a Leger survey conducted on behalf of ReMax Canada, 49 per cent of Canadians believe real estate will remain one of their best investment options in 2022. Additionally, 49 per cent of Canadians are confident the market will remain steady next year. Market activity across Ontario is expected to remain steady in 2022, with contin-ued average price growth, although at widely varying degrees.

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New Home + Condo Guide | March 12–April 9, 2022

COMMUNITY FOCUS

WALKING TALL IN

WESTBORO BOUTIQUES, A BEACH AND MORE

Westboro is one of downtown Ottawa’s most desirable areas to live. On top of being close to the heart of the city, this vibrant community is a hub for small boutique businesses and upscale restaurants—it even has its own beach! Westboro runs from the Transitway up to Carling Ave., and along Tweedsmuir Ave. to

Denbury Ave. This area is the epitome of upscale, and truly offers its residents a luxurious, vibrant lifestyle that can’t be beat. Westboro boasts mainly single-family detached homes, but there are also many new condominium developments in the area, too. Condos and rental apartments are all available at an above-average cost when compared to other areas of the

city of Ottawa. Why? Westboro is a major hot spot— perfectly positioned and trendy for the times boasting specialty stores, high-end boutiques, and lifestyle opportunities galore. Considered one of the top neighbourhoods in the city, Westboro attracts purchasers who want to reside in their home for the long term as well as real estate investors looking to add to their portfolios. nexthome.ca

This is fun, active area is home to professionals, young families and empty nesters. If you’re a dog lover, you’ll appreciate the fact that you can bring your pup into most of the stores here. Many residents of Westboro live there because of the easy commute to the core of the city. They know that once they’re home they have everything they need within walking or biking distance. Richmond Road, which is the community’s main artery, is where you’ll find a lot of the action—high- end boutiques, restaurants, cafes and bakeries make this a favourite place to visit. The local coffee shops are filled with runners, cyclists, baby strollers – even at the earliest hours of the morning. 18

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Top rated restaurants such as Fratelli and Brassica are located along Richmond Road, as is Mamie Clafoutis Ottawa and Batter Up Bakery, two popular bakeries. Coffee shops along this stretch of street include Happy Goat Coffee Co., Bridgehead, and, of course, Starbucks. Demographic data reveals that Westboro appeals to all ages but is most popular with families and retirees. It’s considered safe, trendy, and best of all, as mentioned, everything you need is close by. Those who want a car-free existence, or a least the option of leaving the car at home, love the convenience factor. Several schools and the Ottawa Gymnastics Centre are located in the area, and there is a Farm Boy

and a Real Canadian Superstore in the community, as well as a number of specialty food stores. In terms of transit, Westboro residents can make use of the Transitway and the many bus stops along Richmond Road—the O-Train and the light rail train (LRT) are also nearby. Commuters to and from Westboro can also take advantage of the many wellestablished bike paths, and Hwy. 417 is a quick drive away. Westboro is a place where people work hard and play harder. Stroll down the streets and admire the murals, enjoy the many cafés and restaurants, and, when the weather’s just right, Westboro Beach on the Ottawa River is the perfect place to spend the day.

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ADVICE | IN THE GARDEN

GARDENS A LINK TO NATURE

MARK AND BEN CULLEN

Over the years, we have read about gardening, met and talked with a lot of Canadian gardeners, accumulated years of toil in our own gardens, and this is the conclusion that we have come to regarding the gardening experience: The purpose of a garden is to link us to the natural world around us. In the microcosm of our personal space, we each see our yard, balcony and garden as something different. Your definition of that space may be a place to entertain, relax or escape, and you would be right. But, stand back from your own personal needs and wants, and you’ll realize what makes 20

the outdoor space around your home different from your indoor space – it’s not yours at all. Consider the birds, insects and wind that pass through your yard daily. Each holds a free pass to use your place to feed, live, reproduce and, in the case of the wind itself, to just pass by. What is so exciting about the world of gardening today is the growing realization that we don’t do it alone: Everything we do in our yards and gardens impacts the natural world around us. FOOD WEBS

While we live in a world based on the obvious – what our five senses pick up from day to day, season to season – there is a lot more going on in our yard than we realize. Take our reference to the food chain, for instance. This linear illustration

New Home + Condo Guide | March 12–April 9, 2022

of how we function within the rules of Mother Nature is an oversimplification of how things really work out there. Ecologists talk about food webs, not chains. If we can offer just one thought that might change your vision of what a garden is, let it be this: Gardeners provide an impact that is changing the world. To stand at your kitchen window and gaze at what is there with a view to birds, flowers, a deck or barbecue, and to see nothing more is to rob yourself of the benefits of reality. In the garden, we often see things two-dimensionally. But we can change. Let us illustrate with this one fact: In a single handful of quality garden soil, there exists more than four billion interdependent living organisms. Bacteria, fungi, protozoa, insects and

a cocktail of other stuff work together to create a support system for the plants that grow in your garden. As a result of this complex system, we impact the natural world every time we dig a hole, pull a weed or place a bird feeder on our property. ARE YOU DOING YOUR PART?

If you agree that gardeners (and there are more than 20 million of us in Canada) have a vital role to play where ecological preservation and enhancement is concerned, then perhaps you will be interested in learning how each of us can do more to enhance that ecosystem. HERE ARE OUR SUGGESTIONS:

1. Attract pollinators. Plants produce flowers to attract pollinators. Exchanging pollen and nectar for sustenance ensures that both the plant and the pollinator have a future. a. Plant lots of flowering plants. Use plants that attract butterflies, hummingbirds, songbirds and yes, even moths, certain types of wasps, and mason bees. Place a “mason bee house” about two metres off the ground and out of the wind. b. Put out birdfeeders, including hummingbird feeders. Squish an overripe banana with a fork onto a dish and place it outside to attract butterflies. Mix up your bird food to include peanuts, black oil sunflowers, nyjer seed and quality millet. c. Water. Provide a drink and a bath for visiting wildlife. You will never know the degree to which a bird bath gets used, especially while you sleep.

2. Grow a variety of trees and shrubs and vines. These permanent additions to your garden support the wildlife that frequents herbaceous perennials and annuals through the production of foliage, flowers and berries. 3. Compost. Your soil will improve as you harvest the finished stuff from your composting unit or pile, and it will host small creatures that are all beneficial to your garden. It always helps to leave your garden a little bit messy. By that we mean, leave your grass clippings on the lawn, let the leaves that fall in autumn remain on your garden, and allow some of your flowering plants to go to seed after flowering. They will provide a quality source of food for songbirds later in the season. We are relieved that we, as Canadian gardeners, have matured to the point where we

no longer fight what happens naturally in the world around us. Instead, we have a new generation of gardeners (and an old one that is learning!) who are embracing the idea that our gardens are a natural link to the wild world – that is outside of our property lines and inside them as well.

Mark Cullen is a Member of the Order of Canada. He reaches more than two million Canadians with his gardening/environment messages every week. Receive his free monthly newsletter at markcullen. com Ben Cullen is a professional gardener with a keen interest in food gardening and the environment. You can follow both Mark and Ben on Twitter @MarkCullen4, Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

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ADVICE | FINANCE

WHAT IS A

REVERSE MORTGAGE AND SHOULD YOU CONSIDER ONE?

BEN MCCABE

As home prices continue to rise, reverse mortgages are gaining in popularity. Tens of thousands of 55-plus Canadians are now utilizing reverse mortgages for themselves and their family. Why? Because many older homeowners are realizing that they are over-invested in real estate, and they can afford to unlock a portion of that wealth to live well in retirement. You might have heard about this type of financial product in 22

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the past, but its new iteration makes it an ideal solution for financial flexibility in retirement. Reverse mortgages are becoming increasingly common among seniors who realize there is a tremendous amount of equity in their current home. A reverse mortgage can do a lot – provide income in retirement, fund a new home purchase, home modifications to include a secondary suite for a caregiver or family member, accessibility renovations to age-in-place, provide the ability to purchase a second property or even provide a “living inheritance” to adult kids to enter the property market to buy a home of their own.

HOW DOES IT WORK?

If you’re more than 55 years of age and own a home in Canada, you are likely eligible for a reverse mortgage. A reverse mortgage allows you to access tax-free cash from the value in your home, without having to sell. Canadian seniors can access up to 55 per cent of the value of their home, while continuing to own 100 per cent and retaining control. Unlike a traditional mortgage, a reverse mortgage requires no regular principal or interest payments. Instead, interest is simply added to the mortgage balance over time. The loan becomes due when you and

your spouse no longer occupy the home. WHAT CAN YOU USE THE FUNDS FOR?

Funds from a reverse mortgage loan are being used for a variety of lifestyle improvements, such as: • Boosting retirement income and overall standard of living • Home renovations • Purchasing a new home or vacation property • Paying off debts • Paying for travel or leisure experiences • Providing a living inheritance to loved ones • Financing health and live-in care expenses With many Canadians now approaching retirement, a popular use of reverse mortgages is for aging-in-place accessibility modification to ensure their home is safe for them in the future. Improving lighting, flooring and bathroom features and even elevators are just some of the features being added. With the cost of living and inflation on the rise, financially savvy older homeowners are using reverse mortgages to fund the construction of secondary suites within their homes. These can be multi-purpose units – for extended family members, short or long-term rentals or even for a live-in caregiver. You control how much and where reverse mortgages proceeds are used.

grandchildren while our clients are there to see their loved ones benefit from it. This has become more and more common, especially as home prices have risen dramatically over the past several years – for two reasons: First, 55-plus customers, most of whom entered the housing

market decades ago, have more wealth built up in their homes than they ever expected. Second, their children and grandchildren are finding it harder to break into the housing market themselves. And the longer they must wait to try to save up for an increasing large down payment, the harder it

GIVING A DOWN PAYMENT TO FAMILY

Many older Canadians are now taking out a reverse mortgage for what’s referred to as a living inheritance. This is the increasing common practice of starting the process of helping out children and nexthome.ca 23

will be for them to have the same opportunity for wealth creation their parents and grandparents had. A reverse mortgage is an unbelievable powerful solution here and allows Canadians to assist their kids without compromising their own financial situation or having to move and sell their home. In most cases, loved ones will inherit their home equity after they pass away anyway. But that could be two, three or four decades from now. Alternatively, by taking even a small amount of equity out through a reverse mortgage

today, and gifting that to a child or grandchild, they can use that for their down payment, add a traditional mortgage of their own, and enter the housing market today. The best part, this entire process can happen taxfree. Through this manoeuvre, your loved ones could be many times as wealthy after you pass away, then if they were just to receive their full inheritance at that time. WHAT ELSE CAN A REVERSE MORTGAGE BE USED FOR?

Some wealthier seniors are using a reverse mortgage loan as an investment tool for

down markets, using it as an alternative source of retirement income when needed, rather than drawing down on investments at deflated values. Financial advisors now more than ever are recommending reverse mortgages to their older clients for the financial flexibility they provide. WHERE CAN YOU GET A REVERSE MORTGAGE?

There are several reverse mortgage providers in the Ontario marketplace. Bloom is the newest entrant, providing an easy and seamless online experience. The process can take place over the phone with minimal paperwork required. Speak to your financial advisor to see if a reverse mortgage is right for you, and to read more about the ins and outs of reverse mortgages, visit bloomfin.ca/resources.

Ben McCabe is founder of Bloom Finance Co., a reverse mortgage provider to 55-plus Canadian homeowners. bloomfin.ca

+MORE ADVICE ONLINE nexthome.ca/news/advice

New Home + Condo Guide | March 12–April 9, 2022

Big ideas INSPIRATION |

-.3& 5&

F O R S M A L L S PA C E S

Designer Kate Davidson shares some

helpful advice to maximize your small home

mall spaces have become the norm, as real estate values continue to rise and people recognize the economic and environmental benefits of compact living. From a design perspective, my clients approach their small space in two ways: To make it appear larger, or accept and appreciate its compact, cosy attributes. The challenges of

decorating and living in a small area are real, but they’re not insurmountable. Here are some tips to make the most of every inch, with examples of how I put these principles into practice.

Make the most of it There are a few tricks for living larger than your square footage may dictate on paper. Start by de-cluttering. Nothing makes

a home feel cramped like an onslaught of stuff. Evaluate everything. If you don’t love it or haven’t used it in the past six months, except for seasonal items, get rid of it. You can sell or donate gently used items and recycle or trash the rest. Then, explore storage solutions to tackle everything you intend to keep. Storage is an industry with no shortage of custom and off-the-

nexthome.ca 25

shelf products to tackle clutter, from shelves and cabinets, storage baskets and boxes, and multi-functional furniture. Beyond storage, some decorating strategies can create the illusion of space. Start by painting the walls in a light, neutral colour. Lighter colours make the walls appear further away, thus enhancing the sense of space, while darker hues tend to pull them in. This trick applies to large-scale furnishings and floor coverings, as well. While we’re on the subject of light, maximize the natural light in the room by removing heavy window treatments. Then add mirrors to double the natural light visually. Beyond this, ensure

you have sufficient lighting in the form of ambient (overhead) fixtures, task lighting and accent lighting. By brightening the space, you’ll increase its function and your perception of its size. I applied these light principles in this space, which features continuous white walls and trim, with light furniture. The rug underfoot anchors the area while tying together the light and dark tones of the space. The wood furniture echoes the hardwood too. Here, less really is more, with minimal use of accessories and a focus on simplicity. When choosing furniture, consider scale. It’s unlikely that a compact home has the room

Kate Davidson, is the Founder and Principal Designer of Kate + Co Design. For more than a decade, the multidisciplinary interior design firm has been providing complete residential and commercial design services throughout North America. Kate + Co is known for creating luxurious livable interiors. kateandcodesign.com @kateandcodesigninc

New Home + Condo Guide | March 12–April 9, 2022

When

choosing furniture,

consider the scale for a massive sectional or a huge dining table with seating for 12. Instead, choose pieces with slim silhouettes, lower profiles and legs that let light pass through. Also, look for furniture that has see-through and reflective qualities, such as glass and chrome. The idea is to lighten their visual weight within the room.

It’s not small, it’s ‘cosy’ Of course, I believe that small spaces are appealing. They offer several benefits: They’re easier to clean and organize; they cost less to finish, furnish and maintain; and have a warm, welcoming vibe that’s impossible to replicate in wide, open areas. Don’t fight it. Instead, play up the cosy factor by focusing on

softness and warmth – layer in lots of texture by marrying materials such as natural wood, leather and various textiles. Cover the walls with dark, brooding paintings or photographs, and add dimmer switches on all light sources, allowing you to adjust the light level based on your activity and mood. Your home may be short on square footage, but every small space offers endless opportunities. It just takes some creativity, an open mind and, at times, a little professional help!

nexthome.ca 27

Finding your next home has never been so easy. Greater Toronto Area Mar. 19–Apr. 2, 2019

The ﬁrst and only complete guide to pre-construction homes and condos

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INSIDE:

SARAH RICHARDSON TALKS LUXURY LIVING

A NEW-HOMEOWNER’S GUIDE TO MORTGAGES

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A NEW-HOMEOWNER’S GUIDE TO MORTGAGES

Start your search: • magazines • website • mobile • newsletters

TRENDING

BANK OF CANADA RAISES ITS KEY OVERNIGHT RATE WHAT DOES THIS MEAN FOR YOU? BY JAMES LAIRD, Co-founder of Ratehub.ca and President of CanWise Financial mortgage brokerage

As expected, the Bank (of Canada) increased the rate by a quarter point, which is the first rate hike since October 2018. The Bank is pleased with economic growth as well as the state of the labour market, and generally feels that COVID-19 is behind us, at least for the moment. The Bank’s biggest concern is inflation, which came in at 5.1 percent for January, and is expected to climb further due to rising commodity prices, driven by the conflict in Europe. The Bank seems confident that they can get inflation back down to their target of two per cent by using further rate hikes in the coming months and reducing holdings of Government of Canada bonds. WHAT THIS MEANS FOR CANADIANS

The expectation is that by the end of this week, all banks and mortgage lenders will announce that their prime lending rates have increased by 25 basis points. Once this occurs, Canadians with variable-rate mortgages and home equity lines of credit (HELOCs) will feel an immediate impact. This group should also budget for further rate increases throughout this year.

Anyone who currently has a fixed-rate mortgage will not be affected until their next renewal date, at which point they should expect higher rates. Those shopping for a home should make sure they get preapproved in order to hold today’s fixed rates for 120 days. The bond market has been anticipating this and further rate hikes for some time, which is why fixed rates have increased steadily from their record lows one year ago. CHANGES TO MORTGAGE

a homeowner who put a 10 per cent down payment on a $700,000* home with a five-year variable rate of 0.90 per cent amortized over 25 years (total mortgage amount of: $649,530) has a monthly mortgage payment of $2,418. With today’s 25-basis point rate increase, their variable mortgage rate will increase to 1.15 per cent and their monthly payment will increase to $2,491. This means that the homeowner will pay $73 more per month or $876 per year on their mortgage payments.

PAYMENTS

According to Ratehub.ca’s mortgage payment calculator,

*January 2022 average home price in Canada was $748,439 (CREA) nexthome.ca

NEW HOME & CONDO DEVELOPMENTS

FIND YOUR NEXT HOME These listings offer a comprehensive overview of new-home and condo developments currently available throughout the Greater Ottawa Area and the Gatineau.

Legend: D = Detached SD = Semi–Detached B = Bungalow TH = Townhome TR = Terrace C = Condo = Highlighted listings are advertised in this issue of New Home + Condo Guide. Please refer to page number for more information.

LOCATION

FROM

CONTACT

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$544’s

613-470-1336 phoenix.ca

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neilcorphomes.com

–

campanale.com

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Coming Soon

–

Coming Soon

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613-253-1959 cardelhomes.com

longwoodbuilders.com

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613-470-1336 phoenix.ca

–

mattino.ca

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BUILDER

SITE NAME

PROPERTY TYPE

Almonte

Phoenix Homes

White Tail Ridge 44 Sopwith Pvt, Ottawa

–

Almonte

Neilcorp

Mill Run, Marshall’s Bay Meadows

Arnprior

Campanale

Callahan Estates

Arnprior

Cedarstone Homes

The Fairgrounds

–

Arnprior

–

PG.

West

Mackie Homes

The Fairgrounds

Carleton Place

Cardel

Miller’s Crossing 2 Flegg Way

–

Inquire

Carleton Place

Longwood Builders

Coleman Central

–

Carp

Phoenix Homes

Diamondview Estate 44 Sopwith Pvt, Ottawa

–

$534’s

Carp

Mattino Developments

Diamondview Estates

–

Kanata

Cardel

Blackstone 106 Westphalian

–

Inquire

613-836-9521 cardelhomes.com

Kanata

Claridge

Bridlewood Trails

–

$362’s

claridgehomes.com

–

Kanata

Mattamy

Blackstone South

–

$385’s

mattamyhomes.com

–

Kanata

Mattamy

Connections in Kanata

–

$704’s

mattamyhomes.com

–

Kanata

Minto

Arcadia, Morgan’s Creek

–

Inquire

minto.com

–

Kanata

Metric Homes

Trail View

–

metrichomes.com

–

Kanata

Richcraft

Bradley Commons

–

$596’s

Kanata

Uniform

Richardson Ridge

–

Kanata

Urbandale

Bradley Commons

–

Richmond

Caivan

Fox Run 302 Meynell Road

–

Richmond

Cardel

Creekside 764 Kirkham Crescent

–

Richmond

Cedarstone

Kings Creek, Richmond Oaks

–

Richmond

Mattamy Homes

Richmond Meadows

–

Richmond

Metric Homes

Fox Run

–

New Home + Condo Guide | March 12–April 9, 2022

richcraft.com

uniformdevelopments.com

–

urbandaleconstruction.com

–

Inquire

613-518-2364 caivan.com

–

Inquire

613-444-0440 cardelhomes.com

–

cedarstonehomes.com

–

Coming Soon

–

metrichomes.com

–

FROM –

CONTACT Coming Soon

PG. –

–

Coming Soon

–

Inquire

613-435-5704 cardelhomes.com

–

$499’s

claridgehomes.com

–

$566’s

613-404-8075 eqhomes.ca

–

Coming Soond

–

$465’s

richcraft.com

–

tartanhomes.com

–

tamarackhomes.com

–

mapleleafcustomhomes.ca

–

Icon

–

$421

claridgehomes.com

–

Ashcroft

reResidences

–

ashcrofthomes.ca

–

Centretown

Brad Lamb Realty

SoBa

–

sobaottawa.com

–

Centretown

Claridge

101 on the River

–

claridgehomes.com

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613-218-8536 claridgehomes.com

–

LOCATION

BUILDER Talos Homes

SITE NAME Richmond Square

Richmond

Mattamy Homes

Richmond Meadows

–

Stittsville

Cardel

EdenWylde 106 Westphalian

–

Stittsville

Claridge

Westwood

–

Stittsville

eQ Homes

Fernbank Crossing 632 Cope Drive

–

Stittsville

Patten Homes

Shea Village

–

Stittsville

Richcraft

Fernbank Crossing, Westwood

–

Stittsville

Tartan

EdenWylde

–

Stittsville

Tamarack

Westwood, Edenwylde

Nepean

Maple Leaf

The Village at the Schoolyard

West Centretown

Claridge

Centretown

Richmond

PROPERTY TYPE – – – –

Central

Centretown

Claridge

Claridge Moon

–

Inquire

Centretown

Claridge

Claridge Royale

–

$319

claridgehomes.com

–

Centretown

Richcraft

The Bowery

–

346

richcraft.com

Centretown

Richcraft

The Charlotte

–

Inquire

thecharlottecondos.com

Centretown

Dream Investment

Zibi

–

zibi.ca

–

Lowertown

claridgehomes.com

–

613-569-3043

uniformdevelopments.com

–

613-518-2364 caivan.com

–

Claridge

Waterstreet

–

$461

Old Ottawa East

eQ Homes

Greystone Village II 175A Main Street

–

Inquire

Old Ottawa East

Uniform

The Avenues

–

Barrhaven

Caivan

The Conservancy , The Ridge #115-4100 Strandherd Drive

–

Inquire

Barrhaven

Mattamy

Half Moon Bay

–

$462’s

mattamyhomes.com

–

Barrhaven

Mattamy

Promenade

–

$389’s

mattamyhomes.com

–

Barrhaven

Phoenix

Junction

–

Coming Soon

–

Barrhaven

Uniform

Grandview Court

–

uniformdevelopments.com

–

Barrhaven

Minto

Harmony, Quinn’s Pointe

–

Inquire

minto.com

–

Barrhaven

Glenview Homes

Flagstaff

–

glenviewhomes.com

–

Findlay Creek

Claridge

Sundance

–

$516’s

claridgehomes.com

–

Findlay Creek

Claridge

Lilythorne

–

$506

claridgehomes.com

–

Findlay Creek

eQ Homes

Pathways at Findlay Creek 122 Dun Skipper Road

–

$400’s

613-822-7247 eqhomes.ca

South

nexthome.ca 31

BUILDER

Findlay Creek

SITE NAME Pathways at Findlay Creek 114 Dun Skipper Road

PROPERTY TYPE

Phoenix

Findlay Creek

FROM

–

$400’s

Richcraft

Pathways at Findlay Creek

–

$412’s

Findlay Creek

Tartan

Findlay Creek Village

–

Findlay Creek

Tamarack

Findlay Creek Village

–

Findlay Creek

HN Homes

Cowan’s Grove

–

Findlay Creek

Urbandale

Cowan’s Grove

–

Greely

Phoenix

Shadow Ridge

–

Greely

Parkview Homes

Lakeland Meadows

Kemptville

eQ Homes

Equinelle 74 eQuinelle Drive

Manotick

eQ Homes

Manotick Manotick

CONTACT 613-219-6862 phoenixhomes.ca

PG. –

richcraft.com

–

tartanhomes.com

–

tamarackhomes.com

–

hnhomes.com

–

urbandaleconstruction.com

–

Inquire

613-823-9227 phoenixhomes.ca

–

parkviewhomes.info

–

$300’s

613-258-6488 eqhomes.ca

Riverwalk

–

Inquire

613-618-3204 eqhomes.ca

Minto

Mahogany

–

Inquire

minto.com

–

Uniform

Maple Creek Estates

–

Coming Soon

–

Ottawa South

Valecraft

Deerfield Village 2

–

Inquire

valecraft.com

–

Riverside South

Claridge

River’s Edge

–

$516’s

claridghomes.com

–

Riverside South

Richcraft

Riverside South

–

$494’s

richcraft.com

Riverside South

HN Homes

Riverside South

–

hnhomes.com

–

Riverside South

Urbandale

Riverside South

–

urbandaleconstruction.com

–

Riverside South

Urbandale

Jazz Condos, Allora Condos

–

urbandaleconstruction.com

–

ClarenceRockland

eQ Homes

Clarence Crossing 235 L’etang Street

–

$385’s

613-862-0167 eqhomes.com

ClarenceRockland

Longwood Builders

Morris Village

–

longwoodbuilders.com

–

ClarenceRockland

CH Clement Construction

Morris Village

–

chclementconstruction.ca

–

Embrun

Devcore

Fauberge Ste–Marie

–

devcore.ca

–

Embrun

Melanie Construction

Ste–Marie Hamlet

–

melanieconstruction.com

–

Embrun

SACA Homes

Place St. Thomas

–

sacahomes.ca

–

Embrun

Valecraft

Place St. Thomas

–

Inquire

valecraft.com

–

Orleans

Ashcroft

Eastboro

–

ashcrofthomes.ca

–

Orleans

Brigil

Petrie’s Landing 8865 Jean d’Arc Blvd.

–

Inquire

613-706-4262 brigil.com

–

Orleans

Caivan

Orleans Village 806 Croissant de Mercier

–

Inquire

613-518-2364 caivan.com

–

Orleans

Claridge

Spring Valley Trails

–

$300’s

claridgehomes.com

–

eQ Homes

Provence 1375 Trim Road

$450’s

613-355-7863 eqhomes.ca

East

Orleans

New Home + Condo Guide | March 12–April 9, 2022

–

BUILDER Minto

SITE NAME Avalon Encore

PROPERTY TYPE D – – TH

Orleans Orleans

Richcraft

Trails Edge, Axis Court

–

Mattamy

Jardin Crossing

–

Orleans

Tamarack

Cardinal Creek

–

Ottawa East

Mattamy

Wateridge Village at Rockliffe

–

Ottawa East

Mattamy

360 Condos By Mattamy

–

Russell

Corvinelli Homes

Russell Trails

Russell

Melanie Construction

Sunset Flats

Russell

Tartan Homes

Gatineau

CONTACT minto.com

–

FROM Inquire

–

$355’s

richcraft.com

–

Coming Soon

–

tamarackhomes.com

–

$429’s

mattamy.com

–

Coming Soon

–

corvinellihomes.ca

–

melanieconstruction.com

–

Russell Trails

–

tartanhomes.com

–

Brigil

Plateau du Parc 534 boul. Des Grives

–

Inquire

819-776-4663 brigil.com

–

Gatineau

Brigil

Plateau Symmes 895-3 boul. Du Plateau

–

Inquire

819-571-4663 brigil.com

–

Gatineau

Brigil

Domaine du Vieux–Port 1400 St-Joseph Blvd

–

Inquire

819-777-4663 brigil.com

–

Gatineau

Brigil

Le Columbia 376 St. Joseph Blvd.

–

Inquire

613-454-1578 brigil.com

–

Chelsea

Hendrick

Hendrick Farm

–

hendrickfarm.ca

–

PG. –

North

Start your search Your trusted authority for the latest new home and condo developments. Visit nexthome.ca to get started.

nexthome.ca 33

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