Ontario Active Life – November 18, 2023 by NextHome

Ontario Edition Nov. 18, 2023–Feb. 24, 2024

travel & leisure | home & garden | technology & finance | beauty & wellness

INSIDE:

CREATIVE STORAGE SOLUTIONS FOR SMALL SPACE CHALLENGES

HOW TO NAVIGATE A MORTGAGE REFINANCING

RIVERBANK ESTATES NITH RIVER, PARIS

a GRAND RIVER

NITH RIVER

DOWNTOWN LIONS PARK

PREMIUM RAVINE LOTS & URBAN TOWNS IN PARIS

MODERN FARMHOUSE TOWNHOMES IN BEAMSVILLE

Life on the Riverbank is timelessly and elegant. Wrapped by the woods and the Nith River, this extraordinary setting will be home to a collection of detached homes on 46’-50’ lots, urban townhomes, and a rare and very desirable offering of Losani Premium statement homes.

Nestled within Vista Ridge in Beamsville, Ontario, Benchmark stands as a testament to modern farmhouse living at its finest. This community not only captures the essence of rural charm but also offers a host of key features that make it a truly unique and coveted place to call home.

RIVERBANKESTATES.COM

LOSANIHOMES.COM/COMMUNITIES

LIVE. LIFE. BETTER

CUSTOM PREMIUM HOMES IN THE HEART OF WINE COUNTRY

FARMHOUSE & STACKED TOWNS IN STONEY CREEK

The court lots at Woodview offer spacious, private settings that are perfect for custom homes. These lots are complimented by 46’ and 50’ lots. The result is a community that combines the exclusivity of court living with the beauty of a natural backdrop.

SweetBerry a new community located in Lower Stoney Creek at Barton and Glover, minutes from the QEW. This vibrant community offers escarpment views from its modern farmhouse and stacked townhomes, providing a variety of housing options for families and individuals.

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VISIT US ONLINE AT

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NOV. 18, 2023–FEB. 24, 2024

CONTENTS

BARRIE NO LONGER JUST A GATEWAY TO COTTAGE COUNTRY

DEPARTMENTS

Editor’s Note

Contributors

In the Spotlight

Big picture, long term

Active Life |

50 Industry Report

Personal Finance

Navigating a mortgage refinance in an unpredictable economy

26 Real Estate Pro

Active Life online

Catch up between issues at nexthome.ca

COLUMNS

Here’s your homework ‘assignment’ for this month

GTA new home market returns in September; more news on pages 13 and 14

40 Maps And Amenity Charts

20 Home Realty

Simply Tech

Centralize, harmonize and control your home automation devices with Homey Pro

Nov. 18, 2023–Feb. 24, 2024

Big Style

Creative storage solutions to solve small space challenges Adjusting HST rebate thresholds provides relief for new-home buyers

Holiday season takes on special meaning in Canada

FEATURES

Western View

In the Garden

Building a diverse future for the residential construction industry Bird feeding frenzy

30 Legally Speaking

Four things to look for in your new home contract

36 Decor

Cosying up by the fire

Silvergate Homes

A new condo coming soon to Hastings and Glendale in St. Catharines

34 Pratt Homes

Move-in ready and preconstruction condos in Barrie

The Waddell Model

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EDITOR’S NOTE

BIG PICTURE, LONG TERM

WAYNE KARL EDITOR-IN-CHIEF Active Life Magazine

EMAIL: wayne.karl@nexthome.ca TWITTER: @WayneKarl

+ get social 8

Active Life |

Nov. 18, 2023–Feb. 24, 2024

At the best of times, buying a home can be an intimidating and nervewracking experience. Add in some uncertainty caused by limited housing supply, interest rates, inflation, price pressures… and other influences such as immigration and housing policy, it’s no wonder some prospective homebuyers may be a little nervous. That’s where resources such as the Active Life, and our sister publications Condo Life and HOMES Magazine – come in. Our aim is to help put it all in perspective so you can make informed, educated homebuying decisions. To be sure, housing – specifically, our need to build more homes, quickly – is a major national, provincial and municipal matter. From immigration targets to mortgage regulations to how to properly plan, approve and build more homes… it’s all increasingly interconnected and evermore pressing. And in this issue of Active Life, we offer our usual coverage of industry news, insightful expert columns and other content – all intended to be among your resources for your homebuying journey. With this content – which eventually also makes its way onto nexthome.ca – you can learn about the various active adult new home product available to you. In the short-term, you may be able to take advantage of favourable pricing and builder incentives designed to entice buyers. Looking at the big picture, longer term, take confidence in knowing that the GTA and Ontario at large are home to some of the most desirable and best performing housing markets in the country. And in the context of building and buying homes – in a challenging environment for increasingly discerning buyers – there is no room for anything but the best. And the Ontario new home market has lots of that. In the coming months, we’re hoping to see more federal, provincial and municipal housing policies emerge that, ultimately, facilitate more of this activity. Ontario’s homebuilding and homebuying future depends on it.

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Advertorial

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CONTRIBUTORS PERSONAL FINANCE | JESSE ABRAMS Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com

SENIOR VICE-PRESIDENT, SALES, NEXTHOME

Hope McLarnon 416.708.7987, hope.mclarnon@nexthome.ca DIRECTOR OF SALES, ONTARIO, NEXTHOME

WESTERN VIEW | MIKE COLLINS-WILLIAMS Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

Natalie Chin 416.881.4288, natalie.chin@nexthome.ca SENIOR MEDIA CONSULTANT

Nina Downs 1-888-532-2579, nina.downs@nexthome.ca EDITORIAL DIRECTOR

Amanda Pereira EDITOR-IN-CHIEF – GREATER TORONTO AREA

Wayne Karl, wayne.karl@nexthome.ca

GARDENING | BEN AND MARK CULLEN Mark Cullen is a Member of the Order of Canada, and provides gardening advice to more than two million Canadians each week. Ben Cullen’s specialty is food gardening. markcullen.com; Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

CONTRIBUTORS

Jesse Abrams, Mike Collins-Williams, Ben and Mark Cullen, Greg Gazin, Barbara Lawlor, Linda Mazur, Lisa Rogers, Jayson Schwarz, Dave Wilkes EXECUTIVE MEDIA CONSULTANTS

Jacky Hill, Michael Rosset

TECH | GREG GAZIN Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

VICE-PRESIDENT, MARKETING – GTA

Leanne Speers

MANAGER, CLIENT RELATIONS

Sonia Presotto

MANAGER CUSTOMER SALES/SERVICE

Marilyn Watling

SALES & MARKETING CO-ORDINATOR

Gary Chilvers

REAL ESTATE PRO | BARBARA LAWLOR Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com

BUSINESS DEVELOPMENT MANAGER

Josh Rosset DISTRIBUTION

distributionteam@nexthome.ca ACCOUNTING INQUIRIES

accountingteam@nexthome.ca DIRECTOR OF PRINT MEDIA

Lauren Reid–Sachs

VICE-PRESIDENT, PRODUCTION – GTA

DECOR | LINDA MAZUR

Lisa Kelly

Linda Mazur is an award-winning designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds throughout the GTA and Canada. lindamazurdesign.com @LindaMazurGroup

Yvonne Poon

PRODUCTION MANAGER – GTA GRAPHIC DESIGNER & ASSISTANT MANAGER

Alicesa Pullan

GRAPHIC DESIGNER & PRE-PRESS COORDINATOR

Hannah Yarkony GRAPHIC DESIGNER

BIG STYLE, SMALL SPACES | LISA ROGERS Lisa Rogers is Executive Vice-President of Design for Dunpar Homes. Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and The Shopping Channel. Lisa is also a regular guest expert on CityTV’s Cityline. dunparhomes.com.

LEGALLY SPEAKING | JASON SCHWARZ Jayson Schwarz LL.M. is a Toronto 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.

INDUSTRY REPORT | DAVE WILKES Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.



Active Life |

Nov. 18, 2023–Feb. 24, 2024

Mike Terentiev

Published by

nexthome.ca Advertising Call 1.866.532.2588 ext. 1 for rates and information. Fax: 1.888.861.5038 Circulation Highly targeted, free distribution network aimed at real estate buyers using street level boxes, racking and Toronto Star in-home delivery. Canadian subscriptions 1 year = 6 issues – $35 (inc. HST). Canada Post – Canadian Publications Mail Sales Product Agreement 40065416. Copyright 2023 All rights reserved. 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. Editorial Submissions from interested parties will be considered. Please submit to the editor at editorial@nexthome.ca. Terms and Indemnification Advertisers and contributors: NextHome is not responsible for typographical errors, mistakes, or misprints. By approving your content and/ or submitting content for circulation, advertisers and contributors agree to indemnify and hold harmless NextHome and its parent company from any claims, liabilities, losses, and expenses (including legal fees) arising out of or in connection with the content provided, including but not limited to any claims of copyright infringement, unauthorized reproduction, or inaccuracies in the content. Advertisers acknowledge that they have the necessary rights, permissions, and licenses to provide the content for circulation, and they bear full responsibility for the content’s accuracy, legality, and compliance with applicable laws upon approval. Contributors acknowledge NextHome reserves the right to omit and modify their submissions at the publisher’s discretion.

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IN THE SPOTLIGHT

GTA NEW HOME MARKET RETURNS IN SEPTEMBER The GTA new home market returned in September, reversing three months of decline, the Building Industry and Land Development Association (BILD) reports. There were 1,885 new home sales in September, which was up 303 per cent from September 2022 and 32 per cent below the 10-year average, according to Altus Group, BILD’s official source for new home market intelligence. “September sales surged as pentup demand pulled buyers from the sidelines,” says Edward Jegg, research manager with Altus Group. “Purchasers were lured by lower prices, rising inventory and easing concerns around future interest rate hikes.” Condominium apartments, including units in low-, mediumand highrise buildings, stacked townhouses and loft units, accounted for 1,290 units sold in September, up 207 per cent from September 2022 and 29 per cent below the 10-year average. There were 595 single-family home sales in September, up 1,140 per cent from September 2022 and 37 per cent below the 10-year average. Single-family homes include detached, linked and semi-detached houses and townhouses (excluding stacked townhouses). Total new home remaining inventory increased, compared to the previous month, to 19,141 units. It included 16,342 condominium apartment units and 2,779 singlefamily lots. This is the first time since 2019 that inventory levels have exceeded the 10-year average and represents a combined inventory level of almost seven months, based on average sales for the last 12 months. A balanced market has nine to 12 months of inventory. Remaining inventory includes units in preconstruction projects, in projects 12

Active Life |

Nov. 18, 2023–Feb. 24, 2024

currently under construction and in completed buildings. “While we are starting to see a resurgence in the market, one month does not make a trend,” says Justin Sherwood, senior vice-president of communications and stakeholder relations at BILD. “Now is the time for stability. Stability in government housing policy ensures the industry operates in a predictable market to bring the housing supply to this rapidly growing region it desperately

needs and stability in interest rate policy will allow new home buyers to purchase with confidence.” Benchmark prices decreased slightly in September compared to the previous month. The benchmark price for new condominium apartments was $1.03 million, down 10.5 per cent over the last 12 months. The benchmark price for new single-family homes was $1.56 million, down 15.6 per cent over the last 12 months.

SEPTEMBER NEW HOME SALES BY MUNICIPALITY HIGHRISE

LOWRISE

TOTAL

REGION

2023

2022

2021

2023

2022

2021

2023

2022

2021

Durham

526

246

110

304

636

550

Halton

222

185

228

273

Peel

207

176

250

242

457

Toronto

538

241

1,481

539

241

1,551

York

117

412

123

430

240

842

GTA

1,290

420

2,568

595

1,106

1,885

468

3,674

SOURCE: ALTUS GROUP

IN THE SPOTLIGHT

BORROWING COSTS STILL CAUSING SOME BUYER HESITATION: TRREB Lack of affordability and uncertainty remained issues for many would-be homebuyers in the GTA in October 2023, according to the Toronto Regional Real Estate Board (TRREB). As a result, sales edged lower compared to last year. However, selling prices remained higher than last year’s levels. “Record population growth and a relatively resilient GTA economy have kept the overall demand for housing strong,” says TRREB President Paul Baron. “However, more of that demand has been pointed at the rental market, as high borrowing costs and uncertainty on the direction of interest rates has seen many would-be homebuyers remain on the sidelines in the short term. When mortgage rates start trending lower, home sales will pick up quickly.” Realtors reported 4,646 GTA home sales through TRREB’s MLS system in October 2023 – down 5.8 per cent compared to October 2022. On a month-over-month seasonally adjusted basis, sales were also down in comparison to September. The October 2023 MLS Home Price Index Composite benchmark and the average selling price were both up on year-over-year basis, by 1.4 per cent and 3.5 per cent, respectively. On a seasonally adjusted basis, the MLS HPI Composite benchmark edged lower compared to September 2023 while the average selling price remained at a similar level. Both the MLS HPI Composite benchmark and average price remained above the cyclical lows experienced at the beginning of 2023. “Competition between buyers remained strong enough to keep the average selling price above last year’s level in October and above the cyclical lows experienced in the

first quarter of this year,” says TRREB Chief Market Analyst Jason Mercer. “The Bank of Canada also noted this resilience in its October statement. However, home prices remain wellbelow their record peak reached at the beginning of 2022, so lower home prices have mitigated the impact of higher borrowing costs to a certain degree.” “In the current environment of extremely high borrowing costs, it is disappointing to see that there has been no relief for uninsured

mortgage holders reaching the end of their current term,” adds TRREB CEO John DiMichele. “If these borrowers want to shop around for a more competitive rate, they are still forced to unrealistically qualify at rates approaching eight per cent. Following their most recent round of consultations, the Office of the Superintendent of Financial Institutions should have eliminated this qualification rule for those renewing their mortgages with a different institution.”

GTA RESALE AVERAGE PRICES, OCTOBER 2023 (YR/YR % CHANGE) 416

905

Total

Detached

$1.71M (8.2)

$1.35M (4.7)

$1.45M (6.1)

Semi-detached

$1.27M (4.7)

$957,117 (0.6)

$1.10M (2.1)

Townhome

$1.01M (1.1)

$905,222 (1.1)

$930,185 (1.1)

$729,160 (1.7)

$665,208 (0.4)

$708,780 (1.2)

Condo

SOURCE: TRREB

nexthome.ca 13

IN THE SPOTLIGHT

BUILDING INDUSTRY CONCERNED OVER RECENT ONTARIO GOVERNMENT DECISION The Building Industry and Land Development Association (BILD) says it is “extremely disappointed” with the recent announcement by Ontario Minister of Municipal Affairs and Housing, Paul Calandra, and calls it a setback for the Greater Toronto Area’s GTA future housing and employment spaces supply. “It can take a decade or more to bring new housing supply to the market,” says Dave Wilkes, BILD president and CEO. “(This) announcement to introduce legislation that, if approved, will rescind regional official plans and reverse urban boundary expansions in the regions of York, Peel and Halton. It will make the objective of building 1.5 million homes in the province by 2031 impossible.” The housing affordability crisis in the GTA has been driven by the lack of housing supply in the face of perennially strong demand, BILD says. The official plans for York, Peel and 14

Active Life |

Nov. 18, 2023–Feb. 24, 2024

Halton made additional land supply available through urban boundary expansions to enable the addition of housing and employment spaces with a mix and density consistent with what the market is looking for. Repealing these official plans will put regional and municipal decisionmaking relative to new development into a state of confusion, uncertainty and paralysis. The repercussions of this unfortunate decision will effectively delay the addition of new housing and employment spaces throughout the next decade. “It is our understanding that the provincially approved official plans were subject to an extensive and exhaustive transparent public and stakeholder consultation process, which included postings to the Environmental Registry of Ontario,” says Wilkes. “Any adjustment made to the approved plans by the government were done to uphold the provinces’ own objectives for

increased housing supply, choice and balanced growth. Given the precedent of these decisions and the variability of government decisionmaking, why would any business choose to invest in the province?” As much as five years or more of work and millions of taxpayers’ dollars went into the development of the regional official plans through the municipal comprehensive review process, BILD says. The recent announcement sets the addition of housing and employment spaces supply in Peel, Halton and York back decades and the forwardlooking impacts of this will be felt by prospective new-home owners for the rest of the decade. BILD says its members remain committed to working with all levels of government to achieve the provincial objective of building the 1.5 million homes this province needs to accommodate present and future growth.

ONLINE

Catch up between issues at nexthome.ca and enjoy these popular stories

BUILDER PROFILE

Losani Homes creating exceptional communities in captivating settings Imagine waking up to the soothing sounds of a river or stepping outside your home to enjoy sprawling trails through nature. This dream can be your reality in the exceptional communities crafted by Losani Homes. Q&A

In Conversation With... Cynthia Grassing, Vice-President of Sales and Marketing, Pratt Homes

OHBA AWARDS

OHBA names winners of 2023 Awards of Distinction The Ontario Home Builders’ Association has announced the winners of the 2023 OHBA Awards of Distinction, recognizing the creativity, innovation and excellence of builders, renovators, developers and service professionals within Ontario’s residential construction industry.

There aren’t many homebuilders in Canada that have been around for more than 130 years, but Pratt Homes in Barrie is one such company, started in 1890 and still going strong today. We spoke with Cynthia Grassing, vice-president of sales and marketing, to learn how Pratt has become “Barrie’s largest and most trusted builder.” GARDENING

Perennials – some you cut, some you leave standing It’s that time of year when gardeners question their choices: What do I leave over the winter and what do I cut down now? It seems a guideline is needed; something to help you make intelligent decisions so you can say definitively, “this is getting its head cut off and this one will stand for the winter.” Here’s a simple guide to what to cut and not to cut.

NEW COMMUNITY

Lambton Towns – urban luxury lowrise living at an attractive mortgage rate Townhomes have become an integral part of a solution to the housing “missing middle,” creating new housing in desirable neighbourhoods that would otherwise be unreachable for many young couples and families. Case in point – Lambton Towns, offering desirable lowrise living in a vibrant Toronto neighbourhood.

HOME TREASURES

Memory Station by Vivid-Pix helps preserve treasured photos Many of us have photos we’re unable to reminisce over or share with loved ones, as they’re stashed away in attics and shoeboxes, collecting dust or fading over time. We’ve resisted digitizing them, as the process was too cumbersome, time-consuming and expensive. Memory Station by Vivid-Pix changes all that.

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@ActiveLife_ON

@ActiveLifeOntario

@activelifemagazine nexthome.ca 15

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ADVICE | SIMPLY TECH

HOMEY PRO SMART HOME HUB 2023 EASILY CENTRALIZE, HARMONIZE AND CONTROL YOUR HOME AUTOMATION DEVICES

GREG GAZIN

Home automation gadgets are supposed to make life easier and more convenient, whether we’re enjoying time at home or out on the road. With sheer volumes of devices, brands, apps and communication protocols, figuring out how to get them all to properly work, let alone, playing nicely together, could seem like a pipe dream. Enter Homey Pro from Netherlands-based Athom BV, an unassuming advanced secure universal smart hub, part of the Homey home automation ecosystem. Homey Pro easily unifies your sea of gadgets and other electronics together with just a single app – regardless of brand, model or technology. The beauty is in its flexibility. Homey Pro acts as a central point for connecting an array of diverse devices, but also allows anyone to securely customize their entire smart home automation experience based on their individual and family needs without the need for fancy programming. INFINITE AUTOMATION POSSIBILITIES

This means Homey helps control your door locks, light switches and thermostat. But it can also be configured that when it detects you 18 Active Life |

Nov. 18, 2023–Feb. 24, 2024

at your front door, the door unlocks. And, if it’s after sunset it can also turn on the hallway light, and if the room temperature is below 20 Celsius, it can turn up the thermostat. And if by chance the hallway light doesn’t turn on, it can trigger a text reminder of the problem and switch on the lamp in the living room instead. These are automation examples of Homey Flows and Advanced Flows which truly make Homey shine. They’re also just two of an almost infinite number of scenarios Homey can provide regardless as to whether your device communicates through. Homey works with Wi-Fi, Bluetooth, Zigbee, Z-Wave, Infrared, 433 MHz RF (Europe, Asia and Oceania only), and more recently Thread or Matter – a programming language supported by major players

such as Apple, Google, Ikea and others. Homey is compatible with more than 50,000 home automation devices. Items include smart bulbs, smart plugs, door sensors, smart locks, themostats, TVs and even connected home appliances and EV chargers. This covers more than 1,000 various brands from companies such as Philips, Ikea, Sonos, Airthings and smaller brands such as Sengled. More are being added all the time. MONITOR AND CONTROL CENTRE

The Homey App monitors your devices and acts like a control centre. It’s accessible from most iOS or Android mobile devices or from a web browser running on a Mac, PC or Linux machine. Homey can also be voice-controlled via Google Assistant,

Amazon Alexa and Siri Shortcuts. If you run Apple HomeKit, support is currently in the experimental stage. Flows can also be triggered with Widgets for iOS and Android or even with a tap from your Apple Watch. SETUP IS A BREEZE

Homey Pro easily connects to your home’s wireless network, or can direct connect to your router with an optional Homey Pro Ethernet adapter ($40). Simply download the app and create an account. The Quick Start guide will get you started. To plan your own automation roadmap, you can set up and add devices by floors and by rooms. You can also configure zones such as devices for a porch, front door and hallway may logically group together. For starters, Homey will autodetect most devices. If not, you can quickly search by brand. Simply select the device and follow the prompts to connect it. Once you’ve added it, you can control it. And because every device is different, each brand has its own official app that seamlessly runs from within the main Homey app. There are currently 750-plus apps in the Homey App Store. With Homey’s open platform, there are official brand apps such as by Sonos and Dyson as well as community-built apps such as CallMeBot by Robin de Gruijter that can have Homey send messages to your preferred messenger service. And if you have your own app you’ve developed, you can likely add it, too. Most brand apps also offer a list of their compatible devices.

create Advanced Flows from the ground up starting literally from a blank canvas. They allow you to use calculated variables such as Yes/No conditions, a given number, a text or device status. For example, if the doorbell is pushed, play the doorbell sound, wait three seconds and ring it again. And if either the doorbell rings or motion is detected at the front porch when no one is home, take a snapshot, send a push notification to your phone. And if it’s after 6 p.m., turn the porch light on at 50-per-cent intensity, for 45 seconds. Flows can also be named, saved, tested and shared with others. In fact, most apps have preconfigured flow cards. You don’t need how to code, but if you want to there’s Homey Scripting for that. Other features include Homey Insights to review historical data, and Homey Energy that shows you show real-time energy consumption. For help, there is an extensive support section along with helpful articles and videos on Homey’s site, as well as a Homey Community where you can post or answer questions, share flows and engage in conversation with others. QUICK AND SECURE

HOMEY FLOWS

Flows are the threads that in essence can seam everything together. They’re automated scenarios created by a series of cards you select which trigger actions when events happen and conditions are met, such as the door scenario mentioned earlier. Since there are virtually an infinite number of possibilities to automate, Homey Logic helps you design and

Homey Pro is a nifty little device that can easily help you make sense of your home automation and help you get up and running smoothly in no time. It’s locally connected, so it’s quick and secure only using the cloud when needed. Homey also allows the appointment of users and roles so you can assign what can and cannot be controlled and by whom. You

can assign a manager who can watch over when you’re away or unavailable, or allow temporary access, for example, to an Airbnb guest. Homey Pro is housed in a round sleek black polished-finished chassis five in. in diameter and about 1.6 in. high and weighs only 302 g. Under the hood is a respectable 1.8-GHz quad-core ARMv8 processor, 2-GB (DDR4 RAM) with 8-GB onboard storage. The company says it has up to 3.5 times better performance and up to four times better wireless range, depending on the connection and technology than the previous generation. Homey Pro 2023 comes with a USB-C power adapter, USB-C power cable and a Quick Start Guide. It retails in Canada for $549 with a two-year warranty and available from Homey and amazon.ca. For complete details and more information, visit homey.app or homey.app/en-ca. Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

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ADVICE | HOME REALTY

YOUR HOMEWORK ‘ASSIGNMENT’ FOR THIS MONTH

DEBBIE COSIC This generation of new-home buyers is reassessing an outdated homebuying blueprint, and considering unique alternatives when it comes to entering the housing market. In previous columns, I’ve talked about creative ways to come up with an auxiliary income, like dividing a larger house into smaller units, or adding an additional dwelling or a lane house on an existing property. I’ve also explored the need to revise rules and regulations as it relates to down payments and amortization. Another possibility to consider is an Assignment. As it relates to real estate, the assignee assumes the rights and obligations of a property from an assignor. This Assignment, or reassignment, of a property can happen before the original purchaser takes possession. As a result, an Assignment can provide a way to profit from a real estate transaction, before you’ve become the owner of the property. AGREEMENTS OF PURCHASE AND SALE

With ever-climbing housing prices, combined with financial stresses, along with the uncertainty that was generated as a result of the pandemic, select condominium buyers may be reconsidering their acquisition. Depending upon their strategy, some purchasers might have always intended to exercise a plan to assign their Agreements of Purchase 20 Active Life |

Nov. 18, 2023–Feb. 24, 2024

and Sale (APS) to a third party. Others, who had planned to lease, or reside in, their condo may also be looking at assigning their APS. In some cases, a builder will promote this as an added bonus, or a fee may be charged. Stipulations would be outlined in the APS. If a purchaser wanted to exercise this option, they would need written permission from the builder, and it might depend upon the stage of construction. If the building is close to completion, the likelihood of the builder agreeing is much higher. As with all real estate transactions, I recommend that you find a good real estate agent. An Assignment offers you options, and with the right representation this amendment should be included in your agreement so that you have a choice at the time of closing. There are also realtor platforms approved by builders that enhance the visibility of Assignments, such as AssignMate (onrios.com/ assignmate). None of us can predict what the future holds. That’s why it’s so important to ensure that your investment is protected, and that safeguards are in place to do so.

Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca

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ASSIGNMENT BENEFITS • Assignments can be a lifesaver when a purchaser finds themselves in an unforeseen situation, such as a job loss, unexpected expenditures or the need to move to larger unit as a result of a growing family. On the rare occasion when the purchaser has passed away, it may be necessary to plug into a life insurance program. • In especially difficult circumstances, an Assignment might be your only option to ensure that you don’t lose your investment. And, quite possibly, benefit on a financial level. • For those who can’t, or don’t want to, qualify for a mortgage, an Assignment is a great way to invest as you don’t have to close on the unit, or transfer the title. • You can avoid dealing with tenants, while capitalizing on a real estate investment. • You can also capitalize on real estate inflation, without having to pay a mortgage, maintenance fees or utilities. • Assignments also provide purchasers with an opportunity to acquire indemand floorplans. • Despite their financial uncertainty, younger homebuyers are investing in Assignments within emerging neighborhoods to seize potential price advantages and potentially leverage any transferable perks associated with the Assignment acquisition.

ADVICE | PERSONAL FINANCE

NAVIGATING A MORTGAGE REFINANCE IN AN UNPREDICTABLE ECONOMY

JESSE ABRAMS In an environment of rising rates and inflationary pressures, there are many Canadian homeowners contemplating the decision to refinance. As inflation drives up the cost of living, property values are increasing too. Refinancing presents a strategic opportunity for homeowners to potentially tap into their home’s equity, increase their amortization to decrease monthly payments or switch their mortgage to fit the current state of the market. Regardless of which option you choose, this is a long-term decision that needs to be weighed carefully against your long-term financial goals. FIXED OR VARIABLE RATE?

Fixed-rate mortgages: A predictable choice Choosing a fixed-rate mortgage means locking in the current interest rate for the duration of your mortgage term. It’s stable, predictable and there will be no surprises when it comes to your monthly payments. For some, this can feel like a luxury given the record number of rate hikes since the start of 2020. However, there is a tradeoff. While stability is a pro, this type of mortgage comes at a premium. Plus, switching to a variable rate down the line might be a challenge, and there’s always the possibility of

incurring an interest rate differential (IRD) if you decide to break your mortgage. Overall, rates are much higher than they were two years ago, however, fixed rates are currently quite a bit lower than variable. Variable-rate mortgages: A bit of a gamble Variable rates can sometimes be tempting to homeowners because they often start lower than fixed rates. However, in the current environment, variable rates are upwards of one per cent higher than fixed rates. A major factor to consider is that variable rates change based on the Bank of Canada’s decisions. As the economy goes up and down, your rate might, too. And if you’re someone that likes to budget and plan, these rate changes can definitely throw a wrench in your monthly budget. It’s important to keep in mind that you are able to switch to a fixed rate or break the mortgage at a lower cost than a fixed – but this will depend on the terms and conditions of your mortgage contract as this could incur penalties. In the current environment, very few of our clients have been choosing a variable rate mortgage over the last six to 12 months. Which path to choose? With volatile inflation and increasing rates, many Canadians’ mortgage payments have skyrocketed. As a result, most are leaning toward fixedrate mortgages for peace of mind. However, this doesn’t rule out the

flexibility and potential savings that once came with variable rates as rates come down in the future. If you value stability, especially as a first-time homebuyer or if you’re being cautious given the current situation, a fixed rate might be right for you. On the other hand, if you’re a seasoned homeowner and can navigate changing rates, a variable-rate option could be more aligned. Rate changes could even provide more opportunities to save. All that aside, the outlook for the rest of 2023 tells us that inflation isn’t going anywhere anytime soon. That’s why our team at Homewise advises homeowners to do their research, consult with professionals such as those on our team and ensure their finances can withstand all market conditions before making any decisions. We have actually seen many Canadians go for a two- and three-year fixed rate mortgage recently (rather than most who choose a five-year) as there is an expectation among most industry professionals that rates will come down over the next two years. So, getting a full picture of your options is the best way to make a smart decision both in the short and long term. Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com

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DESTINATIONS ONTARIO

BARRIE

NO LONGER JUST A GATEWAY TO COTTAGE COUNTRY by WAYNE KARL Barrie may have once been best known as the “gateway to cottage country,” but that’s history. Indeed, the days when this city of 153,356 was little more than a popular getaway destination are long over. Barrie has long been a thriving city in its own right. It has moved on from being a bedroom community for Toronto, about 100 kms south, to build its own increasingly diversified economy, with a focus on education, healthcare, information technology and other sectors. And not to mention becoming a growing new home destination, but let’s come back to that. Demonstrating its strengthening business mettle, every year, Barrie hosts industry experts, executives, investors and entrepreneurs from across Ontario at the annual Manufacturing Innovation Summit (MIS). Presented by the Business Development Bank of Canada, in partnership with the County of Simcoe, the City of Orillia, Georgian 22 Active Life |

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College and Lakehead University, the event strives to help manufacturers maintain competitiveness and maximize productivity. This year’s MIS, which took place Oct. 16 and 17, was the seventh annual event. “Our manufacturing sector across Simcoe County is strong and growing,” says Simcoe County Warden Basil Clarke. “This summit not only serves to foster new business ideas and industry networking, but also provides insights on growing local labour opportunities within our manufacturing sector.” “The manufacturing sector is a key economic driver in our city and region,” adds Barrie Mayor Alex Nuttall. “Recent years have highlighted the need for innovation in all sectors and manufacturing is no exception. This event provides the opportunity for manufacturers of all sizes and stages to connect, share best-practices and get inspired for what’s next in the sector.”

DIVERSE ECONOMY

Further illustrating a focus on economic development, the City has partnered with Sandbox Centre to make regional resources for innovation and entrepreneurship more accessible to local businesses. Opened in 2019, Sandbox Centre is the first private sector-led innovation hub in Ontario. And in September, Barrie was recognized by the International Economic Development Council (IEDC) for three economic development initiatives. One of the awards was for an initiative with Access Barrie to launch a business attraction campaign with the purpose of positioning the city as the perfect place for entrepreneurs to start, grow or scale their business. “I’m thrilled to congratulate the City’s Invest Barrie team and our community partners on being recognized internationally for their collaborative efforts to address skills development in the

year-over-year basis. Sales activity in surrounding areas posted a sizable gain of 24.7 per cent on a year-overyear basis. “Home sales have been coming in relatively stronger over the past three months compared to earlier in the year, slowly building momentum in the recovery,” Lindsay Percy, chair of the Barrie & District Association of Realtors, said at the time. Looking at a longer-term view, for the third quarter of 2023, home prices in Barrie seem to be holding their own.

The city’s ability to attract younger residents is influenced by its growing reputation as a place for families and young, active professionals. Recent GO Transit expansion has made it easier for professionals to live in Barrie, where it’s more affordable, and work in Toronto or some other stop along the way. All of this makes Barrie one of the healthiest housing markets in Canada, though, like many areas in Ontario, the city has seen some price pressure recently. In June, for example, residential sales were up 22.8 per cent on a

manufacturing sector, growth of Barrie’s entrepreneur community and support for the region’s growing craft beverage industry,” says Nuttall. “In Barrie, we’re fortunate to have a network of community partners and businesses dedicated to strengthening our local economy.” It is exactly these types of initiatives that make Barrie so appealing for real estate. Economic development means employment, jobs attract residents and residents translate to housing demand.

BARRIE MEDIAN HOME PRICES, Q3 2023 SINGLE-DETACHED HOMES Q3 2022

Q2 2022

Q3 2023

$876,100

$899,300

$896,600 -0.3

STANDARD CONDOMINIUMS

Q/Q % Y/Y % 2.3

Q3 2022

Q2 2022 Q3 2023

Q/Q %

$448,000 $456,000 $461,900 1.3

AGGREGATE

Y/Y %

Q3 2022

3.1

$814,600 $836,400 $833,100

Q2 2022

Q3 2023

Q/Q % Y/Y % -0.4

2.3

Source: Royal LePage House Price Survey

Managing such growth – and addressing housing affordability – is a top priority for mayor Nuttall, who was elected last year on promises to address the growing pains of an expanding city and “unleash Barrie’s potential for a thriving community for its residents. “You shouldn’t have to work in Toronto to afford a home in Barrie,” he said in is pre-election campaign.

“Housing costs too much in Barrie. Rental rates are too high. We need a mix of homes so there can be something affordable to all individuals who want to live here. Barrie residents are being priced out of the housing and rental market, and as a result are stretching themselves too thin financially. This needs to change.” He says he is committed to creating housing opportunities for Barrie

residents, by building more housing in designated high-density areas, with lower project approval wait times. NEW HOME DEVELOPMENT

As part of the provincial government’s stated objective to build 1.5 million new homes by 2031, Barrie, with a target of 23,000 new homes, is currently 90-per-cent on pace to hit this goal. nexthome.ca 23

For new home development, much of the activity is taking place in the south end of the city, where townhomes and condos are the prevalent housing type, to appeal to first-time buyers and downsizers. Among the developers active in the city is Pratt Homes, one of Barrie’s largest and most established homebuilders. The company has not one but two condo communities underway in the southeast – Bistro 6 and Elements Condominiums. Bistro 6 Condominiums draws inspiration from culinary culture and contemporary living. Its six midrise buildings coexist with acres of protected land. Merely minutes from the GO station, Park Place Shopping Centre and downtown Barrie’s waterfront, Bistro 6 fosters connections through food and community. Innovative amenities such as a culinary community kitchen, outdoor kitchen, yoga retreat, basketball court and a gym, emphasize a wholesome lifestyle. Suite layouts showcase spaciousness and practicality, with well-appointed kitchens at their core. This project is sold out, but Pratt has a limited number of move-in ready suites for sale. These one-, two- and three-bedroom units span from 740 to 1,379 sq. ft. Next door to Bistro 6, Elements Condominiums integrates nature into residents’ living spaces. With natural elements such as water, fire, earth and air, Elements promotes a stressfree, health-conscious lifestyle. The building’s foyers feature an indoor tree, a welcoming fireplace and tranquil waterfall, fostering a serene atmosphere. Outdoor fire pits, art installations and a jogging track with fitness stations encourage residents to commune with nature and one another. Every suite at Elements 24

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boasts a spacious four-season solarium balcony, providing a yearround connection to the outdoors. With water and air purification systems, these homes ensure a clean and healthy living environment. Elements includes three midrise buildings: the Luna, which is sold out; Nova, a future release; and SOL, which is now selling. These suites, priced from the $500,000s, range from 770 to 1,300 sq. ft., merging value and luxury. Also in the area is Mason Homes, which is building FOUR10 Yonge, a collection of loft-inspired urban townhomes, backing onto Willoughby Park at the corner of Yonge Street and Little Avenue. With three levels of living space up to 2,100 sq. ft., designs include sun-filled interiors showcasing hard-wearing vinyl plank flooring, gourmet-inspired kitchens, private master bedroom retreats, direct access single- and double-car garages, and rooftop terraces up to 500 sq. ft. LIVE, WORK AND PLAY

Tourism still plays an important role in the local economy, with the historic downtown and waterfront among the major attractions. The downtown area hosts numerous annual festivals and events, such as The Barrie Waterfront Festival, Barrielicious, Winterfest, Jazz & Blues Festival, Promenade Days, and Ribfest and Craft Beer Show. Barrie is also home to Kempenfest, one of the largest outdoor arts and crafts celebrations in Ontario. During the winter months, people still flock to the area’s nearby ski hills – Horseshoe Resort, Mount St. Louis Moonstone, and a little further afoot, Blue Mountain. Then, of course, there’s the hometown Barrie Colts of the Ontario Hockey League, who play out of the Sadlon Arena downtown.

LOCATION, LOCATION, LOCATION

Located in Simcoe County in the northern part of the Greater Golden Horseshoe, about 100 kms north of Toronto, 36 km to Orillia; population 153,356.

KEY LANDMARKS • Centennial Park & Beach • Georgian Theatre • Heritage Park • MacLaren Art Centre • Sadlon Arena • Waterfront Heritage Trail SELECT HOUSING DEVELOPMENTS Bistro 6 By Pratt Homes pratthomes.ca Braestone Horseshoe Valley By Georgian Communities georgianinternational.com Elements Condominiums By Pratt Homes pratthomes.ca Essa Towns By Centreville Homes essatowns.com FOUR10 Yonge By Mason Homes masonhomes.ca Friday Harbour Resort By Geranium geranium.com Midhurst Valley By Geranium geranium.com

A TREE FOR EVERY HERO.

Join us in planting 2 million trees along the 401 Highway of Heroes, a tribute to the men and women who fought for Canada in our wars, and a living memorial to the 117,000 who died for freedom. Get involved today:

As part of Trees for Life’s Tree Coalition, we are proud to work collaboratively with GrandTrees Climate Solutions.

ADVICE | REAL ESTATE PRO

THANKSGIVINGHOLIDAY SEASON TAKES ON SPECIAL MEANING IN CANADA

BARBARA LAWLOR

With our Canadian Thanksgiving over and a much-anticipated holiday season just around the corner, it seems like the perfect time to reflect on what we have to be thankful for. With so many areas of the world in turmoil, it is gratifying to live in a country where we can get up in the morning without worrying about bombs dropping on us and evacuation orders. Yes, our economy has been challenging, but as with everything, cycles go up and down. Recently, Statistics Canada reported that our country’s inflation rate decelerated to 3.9 per cent in September, which was down from four per cent in August. This was lower than many economists predicted. If you need convincing about what a great country Canada is, just look at our immigration numbers. We have one of the highest rates per population of any country in the world. This year, we anticipate our numbers will surpass those of 2022, when we welcomed more than one million newcomers, including international students and foreign workers with qualified Visas. And remember that about 45 per cent of these newcomers will come to Toronto and the GTA. They come for our high quality of life. They come for our relative safety, work opportunities and the world-class amenities they find here. And yes, they come for our 26

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Bellwoods House Townhouses, by Republic

top-quality education facilities. In 2022, Canada welcomed a record 551,405 international students. That led to an end-of-year total of 807,750 international students holding valid study permits in Canada. Our country is well on track to welcome 900,000 international students this year. This is great news for investors, especially now in this atmosphere when we are not allowed to sell to foreign buyers. Yes, there is an exemption on that ban but only up to 500,000. These students are guaranteed renters for investors. Rents have continued to rise, going as high as $7 per sq. ft. in the best downtown Toronto neighbourhoods, and as high as $5 per sq. ft. in the west end of Toronto. The recent news from the federal government that construction of new rental apartments no longer requires the payment of GST will help, but more steps are required. Until then, condos are filling in that gap. Canada is fortunate to have one of the most substantial and attainable real estate markets in the world, which is another reason why

so many immigrants settle here. Our new-home buyers have more elaborate standard features and options than most other countries, including the U.S. And for a major cosmopolitan city, Toronto is still relatively affordable when compared with others around the globe. No matter what the economy does, in Canada, real estate has proven to be one of the best financial and lifestyle investments over the years. So, as we approach yet another new year, let us be thankful for the wonderful and peaceful opportunities we have here, and for the immigrants who add so much to our rich tapestry of life. Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com

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ADVICE | WESTERN VIEW

BUILDING A DIVERSE FUTURE

FOR THE RESIDENTIAL CONSTRUCTION INDUSTRY

MIKE COLLINS-WILLIAMS

The West End Home Builders’ Association Women in Industry (WIN) Committee aims to support, educate, connect and empower women in industry and to inspire girls and women of all ages to follow their dreams in any industry. Historically, women have been underrepresented in the residential construction, skilled trades and STEM industries due to societal and cultural stereotypes, as well as barriers related to gender bias. The WIN committee partners with local organizations to create a platform where women professionals can collaborate, create and transfer knowledge. Through networking and educational events, the committee brings individuals, companies and organizations together to provide education, advance gender diversity, increase workplace inclusion and celebrate the successes and contributions of women in the industry. For a second consecutive year, the West End Home Builders’ Association partnered with Mohawk College and the Ontario Youth Apprenticeship Program (OYAP) for the WEBUILD educational showcase that took place on Oct. 11 at Mohawk College, Stoney Creek Campus of Skilled Trades. The event offered 100 young women and gender diverse individuals in Grades 7 and 8 the opportunity to learn about

the rewarding career possibilities in the residential construction, skilled trades and STEM industries. The showcase consisted of a full day of interactive workshop sessions, tours of Mohawk Campus and an inspiring session with MP Lisa Hepfner and YORK 1 Business Development Director Christina Murray. “We are honoured we have the opportunity to educate young women about the rewarding career opportunities within the industry, and we are thankful for the continuous support we receive from our members and community partners,” says Terri Johns, WEHBA president. “The WEHBA Women in Industry (WIN) Committee will continue to advocate for positive, cultural change and gender diversity in the residential construction industry.” The purpose of the WEBUILD Showcase is to inform young women in Grades 7 and 8 in the Hamilton District School Boards about the career opportunities in residential construction, and the academic pathways to get them started. During the event, students had the opportunity to visit different booths hosted by community partners and WEHBA members of different trades and fields. The booths included hands-on activities in renovation (Heartwood Renovations), builder scheduling (Cachet Homes), HVAC (Dynamic Heating & Cooling), heavy-duty rraining and power tool demonstration (Milwaukee Tool), structural engineering (Mohawk College), millwork (Riverside Millwork Group), excavation simulation

(YORK1), plumbing (Guest Plumbing & Heating), electrical (OYAP) and equipment demonstration (YWCA). The students participated in friendly competitions, workshops and had the opportunity to talk to professionals from the different trades and specialties. The event was made possible by the hard work and dedication of the WEHBA Women in Industry Committee, as well as the gracious support of WEHBA sponsors T. Johns Consulting, Starward Homes and Marz Homes. All proceeds from the event will go to a Mohawk College scholarship for women and gender diverse individuals in skilled trades. Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

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ADVICE | IN THE GARDEN

BIRD FEEDING

FRENZY

MARK AND BEN CULLEN

As we peer out the windows this time of year, we are grateful for the birds that visit the seed heads of the ornamental grasses and flowering perennials that we let stand over the winter. For the birds in your yard, now is the perfect time to attract song sparrows, chickadees and overwintering Blue Jays and Cardinals with a “songbird seed mix.” Or just 28 Active Life |

Nov. 18, 2023–Feb. 24, 2024

use straight black oil sunflower seeds. To prevent the mess associated with sunflowers, use the hulled variety – more expensive but all “meat” and no waste or mess to clean up. You will find yourself not filling the feeder so often as well. Winter feeding birds need the carbohydrates and fats contained in suet. Extra calories are a must for birds whose fast metabolisms are working hard to keep their little bodies warm. We always hang several during the winter. That way, if we don’t replace one of them after it is finished, the birds always have another to feed on. The location of your feeders is just as important as the food that

goes into them: Out of the harsh winter winds and, ideally, close to shelter. This can be anything from a tall evergreen to a short deciduous bush. Birds will use this as protection from predators but also to determine whether the food you are offering is safe. If you watch the birds, you’ll notice they don’t fly straight to the feeder, they will perch some distance away and observe the area first. Choose feeders with large weather protection covers. This will keep your seed from collecting snow and ice and keep the birds a little warmer while eating. Larger feeders are better than small ones in the winter. You will be out there less often refilling it, which can be a challenge if it snows up to your knees overnight. If you don’t have a problem with squirrels in the spring and summer months, we would suggest putting out an open feeder closer to the ground. Use a mix of black sunflower and nyjer seed to appeal to a larger variety of birds. Mourning doves, juncos and even pheasants are more suited to eating from the ground. When seed is spilled at our place the mourning doves are the first to arrive. Because squirrels don’t hibernate, they are still likely to find your winter feeders, just as they may have done with your summer feeders. Squirrelproof feeders are easy to find and many of them work well. If your squirrels seem to outsmart every feeder on the market, consider feeding the squirrels directly. “If you can’t beat them, join them.” Provide them with in-shell peanuts a distance away from your bird feeders, keep

it stocked, and your bird feeders will be more likely to feed the birds than the squirrels. Go fresh with fruit. Many overwintering birds appreciate fresh apple, orange and banana slices. Similarly, you may want to survey your plot this winter and see if you have room for a fruit tree or two. The berries and apples that don’t fall to the ground are the first to be gobbled up as the cold temperatures set in. Plus, they can use the tree for shelter and nesting when spring rolls around. Consider putting out bird houses in the spring (building them yourself can be a fun winter project) to let the birds know they always have a winter home at your place. Birds, especially those in the city, can have a tough time finding shelter from the snow and ice that comes with winter. A permanent, fixed dwelling is a welcome sight. Come spring the same nesting boxes may be used for raising a new family of young birds.

Once the snow has melted, you may be left with a pile of shells and uneaten seed below the feeder. You can pick it up and throw it in your composter or spread it around with a rake. They will eventually break down but if left in a pile can harbour moisture, diseases and mould. As for the myth that feeding the birds creates a dependency on your feeding station that is not healthy for them, this is simply not true. If they are disappointed by the selection of seed in your yard, they go hunting for available seed in the wild. In most cases, they have the option to go next door or down the street to the home of another generous gardener come bird feeder. Finally, get yourself a bird identification book (the Sibley Guide to Birds is our favourite) and a pair of binoculars if your feeder is too far from any of the house windows. Winter birding is easier than spring or summer birding – fewer leaves for

hiding in and we can guarantee that once you know what you’re looking at, you’ll have a greater appreciation when feeding them. Feed the birds this winter: Learn a little something about nature and support healthy backyard biodiversity.

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 | LEGALLY SPEAKING

FOUR THINGS TO LOOK FOR IN YOUR NEW HOME CONTRACT

JAYSON SCHWARZ, LLM

The length of a pre-construction contract will leave you reminiscing about the complications in Lord of the Rings. Schedules, addendums and page-long paragraphs can leave any reader feeling overwhelmed. Here’s a guide to four important things to watch out for and make sure you understand. 1. IS IT ASSIGNABLE?

Your closing date will likely be years away, so consider that circumstances change, unforeseen events occur, and your position in life might change so much that as closing approaches, you may not wish – nor be able – to close. An assignable contract will help you sleep better at night, because if life throws you a curveball, you can hit it right back by assigning your contract to a new buyer who can step into your shoes. If the market is anything like the last few years, you might even end up with some profit from the assignment. If your contract is not assignable, you may have no choice but to close – and that will mean closing costs, builder’s adjustments, occupancy fees and mortgage approvals, and more cash down. Review the assignment clause in your agreement. Not all assignment clauses are the same; some may require builder consent and approval, some may require that a significant 30 Active Life |

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fee is paid, and some may have other restrictions attached.

to understand your rights as well as the builder’s.

2. EARLY TERMINATION CONDITIONS

4. COOLING OFF PERIODS

We’ve all heard the stories about projects being cancelled, and buyers facing the choice of having to pay more for their new home, or have their deposits returned. Builders cannot cancel your contract for any reason, but they may do so if they cannot meet certain listed conditions in your contract, such as meeting a sales threshold or obtaining their own financing for construction. Being informed may not prevent your contract from being cancelled, but you will be aware of important deadlines and the reasons for which your builder can cancel the project. Most of this information is contained in the Tarion Addendum that is attached to your agreement. It is important that you read this and understand all your rights. 3. DELAYED CLOSING TIMELINE

Your closing is scheduled for, let’s say, 2025. It’s worth it, you tell yourself as you think about the next few years. COVID slowed everything. What if your closing is delayed to 2026, 2028 or 2030? Highrise projects can be delayed a long time. Construction can be complicated, and your contract may allow your builder to delay the closing for several years to deal with those complexities. In lowrise construction, there may be material shortages or other legitimate reasons for delay. Again, refer to your Tarion Addendum

New home purchase contracts are exceptionally long and complicated. Condominium contracts come complete with a Disclosure Statement that can be extremely complex. You want to ensure that you are protected and informed, so taking it to an experienced lawyer for their review should be your next step. Reread articles, such as the ones on our website, speak to others who have purchased both types of products, and listen to focus on the things that are important. Condominiums have a 10-day cooling off period that provides you a right in law to rescind the contract, if your expectations are not met. Freehold purchases, on the other hand, are firm when you sign and you must close – unless you insert a conditional clause. The best advice we can give you is to invest in a review with a knowledgeable professional to advise you. It may be the best investment you ever made. Remember, you are spending a large amount of money. Do not scrimp in ensuring it is the right investment.

Jayson Schwarz, LLM, is managing partner of Schwarz Law Partners LLP. schwarzlaw.ca, info@schwarzlaw.ca

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2023 NKBA ONTARIO CHAPTER DESIGN COMPETITION

CONGRATS 1ST PLACE WINNERS!

PINNACLE + MEDIUM KITCHEN Designers: Erica Sibley + Beverley Binns Binns Kitchen + Bath Design binns.ca PEOPLE’S CHOICE Designers: Yao Butterfly + Kerry Anderson Cato Homey Kitchen Cabinet Design homeykitchencabinet.com BEST “BEFORE AND AFTER” KITCHEN Designer: Erica Sibley Binns Kitchen + Bath Design binns.ca BEST “BEFORE AND AFTER” BATH Designer: Frankie Castro Square Footage squarefootageinc.com

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CONGRAETS TO TH

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BUILDER PROFILE | ST. CATHARINES

A NEW CONDO

COMING SOON

TO HASTINGS AND GLENDALE IN ST. CATHARINES Silvergate Homes’ new condominium, Merritton Mills on Hastings, located in St. Catharines’ Merritton neighbourhood near Glendale, presents a unique opportunity to be a part of the evolving landscape of a thriving community. As Merritton continues to establish itself as a sought-after place to live, its proximity to south St. Catharines and a multitude of amenities makes it an attractive option for families, individuals and retirees alike. Moreover, the strategic location of Merritton Mills in relation to the Pen Centre, downtown core, hiking and biking trails, Brock U, and Niagara College provides an advantageous investment opportunity. Embarking on the first phase of this exciting development, Silvergate plans to construct a midrise condominium 32

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Nov. 18, 2023–Feb. 24, 2024

featuring 71 suites. These wellappointed suites, comprised of oneand two-bedrooms, are notable for their generous size, ranging from 800 to 1,200 sq. ft. Designed by Jason Pizzicarola Design Architects Inc. and boasting interior design by BE Burgess and Leslie Landolt Designs, the Residences of Merritton Mills epitomize contemporary living. Its exceptional location in Merritton ensures easy access to local dining establishments, shops, Hwy. 406, and the Pen Centre, while remaining conveniently accessible via public transportation. The condominium offers residents a comprehensive selection of amenities, including underground parking, storage lockers, co-working spaces, a communal area/lounge, rooftop lounge with barbecues, pet

washing station, fitness centre, party room with a kitchenette, bike storage and a parcel room. With prices beginning in the $500,000s, Merritton Mills presents a compelling value proposition for those seeking a modern and vibrant community to call home. MERRITTON – A GREAT HOMETOWN WITHIN A GREAT HOMETOWN

Merritton, a quaint hamlet that merged with St. Catharines in 1961, boasts a rich heritage rooted in its flourishing mills and industrial success. The community played a vital role in the early formation of the Welland Canal. Today, while the historic mills have been repurposed into charming hospitality establishments, Merritton still retains its distinctive identity within the

larger city of St. Catharines. With its proximity to major shopping and a quick drive to Niagara, Merritton offers its own enchanting appeal. Catering to those who appreciate the allure of the past while embracing the present, the Residences of Merritton Mills promises a lifestyle that captures the essence of the community. Situated amidst picturesque wineries, Merritton Mills acts as a gateway to the enticing attractions of Niagara, while also providing convenient access to the nearby amenities and the urban luxuries of St. Catharines. For those seeking a contemporary condominium in a vibrant, walkable neighborhood, Merritton Mills stands as the perfect location. In a manner similar to St. Catharines’ transformation into a haven of trendy cafes and restaurants, Merritton is gracefully undergoing a metamorphosis to offer residents a

distinctively urban living experience. Residents can enjoy great restaurants such as The Keg, Johnny Rocco’s (right next door), Boston Pizza, Kelsey’s, Chile & Agave, Pur & Simple, and many others. Merritton Mills, a development by Silvergate Homes, exemplifies the company’s long-standing commitment to exceptional quality and customer service. With more than 35 years of experience in building and renovating homes in the Niagara region and beyond, the Passero family – founders of Silvergate Homes – have instilled a shared passion and pride for their family business in all their endeavors. Renowned for its excellence in construction, design, marketing and environmental stewardship, Silvergate Homes has received more than 40 builder awards. As a Tarion Warranty Corp. builder and RenoMark contractor, the company

ensures its homes meet the highest industry standards. Notably, in April, Silvergate Homes was honored with the Niagara Home Builders’ Association (NHBA) Award of Excellence for its condo/townhome project, Village on the Twelve, affectionately known as Eclectic Dream. Most recently, Silvergate Homes captured the OHBA (2023) award for Best New Home Kitchen (New Lowrise Up to 2,500 sq. ft.) at the Legends on the Green, Niagara Falls. This recognition is a testament to Silvergate Homes’ unwavering commitment to innovation, creativity and excellence in the realm of residential construction. Merritton Mills’ sales office is opening soon at 271 Merritt St. If you are interested in this exciting new residence, you are invited to register to receive information and updates. Visit merrittonmills.com to register.

nexthome.ca 33

BUILDER PROFILE | BARRIE

MOVE-IN READY AND PRE-CONSTRUCTION CONDOS IN BARRIE

MORE ROOM FOR LESS

Barrie is rapidly becoming a favored residential hub. People are yearning for affordable and enriched lifestyles, and Pratt Homes, the largest new-home builder in Barrie, has been meeting this demand for more than a century with townhomes, detached and condominiums. Condos, often linked with urban life, are now extending their advantages to quieter settings such as Barrie, promising a balanced lifestyle without compromise. Situated between Toronto’s bustle and Muskoka’s serenity, Barrie offers an ideal blend of opportunities. Condos, priced notably lower than detached homes, are particularly enticing for first-time buyers and downsizers. Located in the southeast, two exceptional condo communities, Bistro 6 and Elements Condominiums, are redefining modern living and granting swift access to yearround recreation. Found just steps from the south GO station, they’re quickly becoming the residential choice of many. Bistro 6 Condominiums draws inspiration from culinary culture and contemporary living. Its six midrise buildings coexist harmoniously with acres of protected land.

34 Active Life |

Nov. 18, 2023–Feb. 24, 2024

Merely minutes from the GO station, Park Place Shopping Centre and downtown Barrie’s waterfront, Bistro 6 fosters connections through food and community. Innovative amenities such as a culinary community kitchen, outdoor kitchen, yoga retreat, basketball court and a gym, emphasize a wholesome lifestyle. The layouts showcase spaciousness and practicality, with well-appointed kitchens at their core. While this project is sold out, the builder has retained a limited number of move-in ready suites that remain for sale. These one-, two- and threebedroom units span from 740 to 1379 sq. ft., promising ample space for comfortable living. Next door to Bistro 6, Elements Condominiums showcases Pratt Homes’ latest ingenuity. Embracing biophilic design, Elements integrates nature into residents’ living spaces. With natural elements such as water, fire, earth and air, Elements promotes a stress-free, healthconscious lifestyle. The building’s foyers feature an indoor tree, a welcoming fireplace and tranquil waterfall, fostering a serene atmosphere. Outdoor fire pits, art installations and a jogging track with fitness stations encourage

residents to commune with nature and one another. Every suite at Elements boasts a spacious four-season solarium balcony, providing a year-round connection to the outdoors. With water and air purification systems, these homes ensure a clean and healthy living environment. Elements includes three midrise buildings: the Luna, which is sold out; Nova, a future release; and SOL, which is now selling. These suites, priced from the $500,000s, range from 770 to 1,300 sq. ft., merging value and luxury. One of the core perks of condo living is freedom from property maintenance. The absence of snow shoveling, lawn care and exterior upkeep attracts those craving a hassle-free lifestyle. Furthermore, underground parking removes the need to scrape ice from vehicles – a blessing during winters. For travellers, condo living grants the liberty to lock-and-go without fretting about home maintenance. In essence, residing at Bistro 6 or Elements is a smart choice for those seeking a spacious and stress-free condo. These communities not only offer contemporary amenities, but also instill a sense of belonging within a unique and thriving neighborhood. With more room available for a lower price, living in a Pratt Homes condo brings a life full of possibilities, all while enjoying what Barrie has to offer. For more information, visit pratthomes.ca.

nexthome.ca 35

INSPIRATION |

decor

COSYING UP BY THE FIRE by LINDA MAZUR

As the seasons change and the cooler days and nights are upon us, it’s the perfect time for cosying up by the fire. Fireplaces have a certain appeal in a home – they add a warm and inviting aesthetic, even when not in use, and are the perfect complement to any decor style. If you reside in a house, adding a fireplace to your home can be a done with relative ease. However, condo-dwellers may encounter a few challenges from space to accessibility, ventilation, to even finding an electric fireplace that looks like a real fire. These days, condos and lofts are often outfitted with gas or even 36

Active Life |

Nov. 18, 2023–Feb. 24, 2024

wood burning fireplaces. If your home is not this fortunate, however, all is not lost, as there are many different possibilities that will still give you the beautiful ambiance a fireplace creates while facilitating any structural or venting limitations you may be facing. Electric fireplaces have come a long way since they first entered the market. Today, electric fireplace feature designs that use revolutionary ultrasonic technology to create true-to-life looking flames as well as smoke effects simulating a real wood-burning fire. Advancements in technology have also created the three-dimensional flame, which

is a fabulous and realistic design for an electric fireplace. The “open flame” electric fireplace insert is another great option that enables you to design with electric inserts at an entirely different level; creating stunning fireplaces from a traditional to modern aesthetic. Choosing the right design and function for your fireplace is key to maximizing the usage and enjoyment of your investment. As space can sometimes be limited, the addition of a fireplace to your condo should be well planned. But adding a fireplace to your home is not simply about function. Let’s face it, a fireplace can be a stunning focal point in a space, and definitely sets the mood for that room. A fireplace can be a wonderful complement to a well-designed wall unit that offers you added storage as well as the fireplace feature. A twoway fireplace can be a great addition to a room dividing wall. Or it can be an amazing stand-alone focal point in a space as well. Are you looking

to create drama in your home by using a stunning piece of marble for your fireplace façade; or perhaps a more traditional approach works best for you with a warm wood mantel. Whichever way you choose to incorporate a fire feature in your home rest assured the choices are seemingly endless when designing the facade of your fireplace. From fun paneled wall details to amazing dimensional and textured wall tiles, to concrete, wood, marble and so much more have fun with your design selections to create a wonderful new feature in your home.

We are fortunate to have a multitude of electric fireplace and woodstove options available to us today that no longer restrict condodwellers from enjoying the seasonal charms and comforts of a roaring fire. Whether your tastes veer to the more traditional, or whether you’re out to make a bold statement, you undoubtedly have an abundance of options and design inspirations to draw on. With the seasons changing and the colder days fast approaching it’s time to create for yourself an inviting, relaxed space for those chilly nights ahead.

Linda Mazur is an award-winning, nationally publicized designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds within Toronto, the GTA and throughout Canada. lindamazurdesign.com @LindaMazurGroup

nexthome.ca 37

INSPIRATION |

big style

CREATIVE STORAGE SOLUTIONS TO SOLVE SMALL SPACE CHALLENGES by LISA ROGERS

Moving into a smaller space doesn’t mean you have to eliminate those essentials that can make your home feel functional and comfortable. A big part of that is how you can still meet your storage needs when you have less room to play with. With the right strategies, living in a smaller space and storing well is easy. Here, I will show you how to organize your home correctly with creative storage ideas for small spaces. 38 Active Life |

Nov. 18, 2023–Feb. 24, 2024

RETROFIT YOUR CLOSET SPACE

One of the biggest challenges in smaller homes is that they often need more closet space, particularly regarding entryway storage. Where to drop off your coats, jackets, shoes and more? Instead of renovating the space to build a fully-formed, walk-in closet, retrofit a portion of your wall space with hooks and open shelves to create a customized closet space that can work for you and your family.

Avoid the look of clutter by using baskets or bins on the shelves to organize (and hide) your belongings. HIDE YOUR STORAGE

When you live in a smaller home, you want to avoid disorder and mess. (It can make your space feel even smaller.) To ensure a cleaner, clutterfree look, use furniture that can work double-duty and utilize hidden storage. A bedroom storage bench,

a stylish multipurpose credenza or a lift-top coffee table can keep all your items out of sight but still accessible. DON’T FORGET YOUR NOOKS

Shelves don’t need to take up a lot of real estate to be impactful. In small spaces, a shorter length of open shelves can help with your storage stash needs, providing much-needed room to house your dishware, glassware or any cooking utensils you use most often. OPTIMIZE VERTICAL SPACES

Vertical space can be found anywhere, regardless of your home size. Behindthe-door storage is an excellent (and often overlooked) space. Put it to good use with hanging wire baskets lining the back of the door to store small items you would otherwise have scattered elsewhere. MAXIMIZE YOUR WALL SPACE

Install an entire wall of cabinets and drawers on one wall in your home, which would otherwise be an empty space. When it comes to small space organization, you must be clever about repurposing blank, unusable spaces.

BUY A PEGBOARD

A pegboard can be used to hang almost anything, and they are instrumental in the kitchen to hang your pots and kitchen tools or in your home office for organizational needs. Not only are they affordable and easy to install, but they will also free up a lot of space in your cabinets you would otherwise devout to these items. INVEST IN NEW BEDSIDE TABLES

Traditional nightstands typically have a shelf and one small drawer in them. While that still offers some storage, it’s not always enough. Rethink the

space and use actual built-in shelving as your bedside table: Yes, it takes up more square footage, but the return on investment is worth it, offering plenty more room to store bedroom items.

TAKE ADVANTAGE OF YOUR BED’S STORAGE POTENTIAL

Most beds are wide and long enough to utilize the space underneath them. Whether you get a custom-made platform bed or try a bed frame with under-bed drawers, each option gives you ample space that’s out of the way and out of sight.

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes (dunparhomes.com). Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and as a regular guest expert for fashion and image, health and wellness and design on CityTV’s Cityline. Follow Lisa’s blog at craftedbylisa.ca nexthome.ca 39

Active Life |

Nov. 18, 2023–Feb. 24, 2024

Acton

Caledon East

Norval

54 Milton Milto on 26

40 41 56 76

Aldershot

Burlington

MISSISSAUGA

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35 11 115

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Hamilton Stoney Creek

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nexthome.ca 41

HOT PROPERTIES | GOLDEN HORSESHOE

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HOT PROPERTIES | COTTAGE COUNTRY

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FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO ) OR DO UT E /O OR ENTR DO C (IN ITY UN MM CO

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COMMUNITY NAME & CONTACT

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NOVA SCOTIA Fox Harb’r – 1.866.257.1801

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GREATER TORONTO AREA 42 Mill St., Amico – 42millst.com Affinity Condo, Rosehaven – affinitycondo.com Amica The Balmoral Club – 416.927.0055 Amica Bayview – 416.977.3177 Amica Bayview Gardens – 647.286.7935 Amica Brampton – 905.460.0080 Amica Bronte Harbour – 905.842.8167 Amica City Centre – 905.803.8100 Amica Erin Mills – 905.816.9163 Amica Georgetown – 905.702.1555 Amica Newmarket – 905.952.0505 Amica Oakville – 905.842.8167 Amica Pickering – amica.ca Amica Swan Lake – 905.201.6058 Amica Thornhill – 905.886.3400 Amica Unionville – 905.947.9990 Amica Whitby – 905.665.6200 Ashgrove Meadows, Picture Homes – 905.985.0808 Axess Condos, Liberty Hamlets – axesscondos.ca Ballantrae Golf & Country Club – 905.640.1055 Bradgate Arms, Revera – 416.968.1331 Canterbury Place, Verve – 416.227.1643 Cape Cod Villas, Kaitlin – kaitlincorp.com Chartwell Grenadier Ret. Res – 416.769.2885 Chartwell Scarlett Heights – 647.846.7007 Connectt, Briarwood/Gilbach – briarwoodhomes.ca Court at Brooklin & Pringle Creek – 905.655.7718 Courts of Canterbury, Geranium – courtsofcanterbury.com Credit River Retirement, Verve – 905.812.9191 The Davis Residences, LCL Builds/Rose Corporation – thedaviscondos.com DelManor Elgin Mills – 905.770.7963 DelManor Glen Abbey – 905.469.3232 DelManor Northtown – 416.225.9146 DelManor Prince Edward – 416.233.0725 DelManor Wynford – 416.331.9797 Edge & Oro Towers, Solmar – edgetowers.ca Evergreen Retirement, Verve – 905.502.8882 Forest Hill Place, Revera – 416.785.1511 Four Elms, Verve – 905.738.0905 Gallery Condos + Lofts, Carriage Gate Homes – gallery condominiums.ca The Gardens by Maranatha – 905.581.6154 Glengrove on the Park – 905.640.7571 Glynnwood, Revera – 905.881.9475 Harbourview Grand, Kaitlin – 905.987.9871 Hazelton Place, Verve – 416.928.0111 The Kensington, Revera – 905.844.4000 Kensington Place, Sienna – 416.636.9555 King George School Lofts +Towns, The Rose Corporation – 905.235.6566 King’s Landing, Stockworth – stockworth.ca

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On-Site Amenities: ◆ = On-Site Facilities ■ = Facilities Nearby ● = Facilities Planned Legend: Style Legend: A = Apartment B = Bungalow C = Condominium D = Detached F = Freehold FO = Fractional Ownership L = Life Lease LH = Leasehold M = Mobile/Modular MH = Manufactured Home R = Rental S = Semi-Detached TH = Townhome 44

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LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

R) DOO OUT OR/ RE NDO CENT L (I Y POO UNIT M COM

Leslie and Wellington, Vermilion – vermiliondevelopments.ca Lakebreeze, Kaitlin Corp. – 607.302.2490 Leslie and Wellington, Vermilion – vermiliondevelopments.ca The Meadows of Aurora – 905.503.5560 Milton’s Bronte West Condos,– 289.851.0701 Modo, Kaitlin Corp. – modolife.ca Nautique Condos, Adi Dev. – 289.337.0766 OakPark, Ballantry Homes – ballantryhomes.com Palermo Village, Verve – 905.582.0395 Parkland on Eglinton West, Shannex – 416.997.2647 Parkland on the Glen, Shannex – 905.820.8210 Pinnacle Uptown: Amber & Perla – 905.568.9000 Port Credit Res., Verve – 905.274.6864 Prince George Landing, Stockworth/RoseWater – 905.655.6060 The Renoir, Revera – 905.853.6400 Richmond Hill Retirement, Verve – 905.770.4704 The Roxborough, Verve – 905.853.4573 Royal Bayview, Tridel – tridel.com St. David’s Village – 416.267.2737 Seasons Clarington – 905.697.9992 Seasons Milton – 905.864.6888 The Shores of Port Credit, Verve –905.821.1161 Southbrook, Rice Dev. – 905.456.2764 Stouffville Creek, Verve – 905.642.2902 Streetsville Centre, Dunpar – 905.318.9112 Sunrise Senior Living of Aurora – 905.841.0022 Sunrise Senior Living of Burlington – 905.333.9969 Sunrise Senior Living of Erin Mills – 905.569.0004 Sunrise Senior Living of Oakville – 905.337.1145 Sunrise Senior Living of Richmond Hill – 905.883.6963 Sunrise Senior Living of Unionville – 905.947.4566 Tapestry at village Gate West – 416.777.2911 The Watford, Watford Group – 416.218.5542 Thorne Mill on Steeles – 905.731.4300 Toronto Street Boutique Condos – maplebrookhomes.ca Valera Towns, Adi Developments – adidevelopments.com Villa Da Vinci, Sienna – 905.264.9119 VIVA Mississauga – 905.566.4500 VIVA Oakville – 1.888.984.8482 VIVA Pickering – 905.831.2088 VIVA Thornhill Woods – 905.417.8585 VIVA Whitby Shores – 1.888.984.8482 Westview Condos, Devonleigh – devonleighhomes.com White Cliffe Terrace, Verve – 905.579.0800 Wilmot Creek, Rice – 1.800.994.5668

Mid $900K $400K Inquire $530K $560K $470K $600K Inquire $3,500/mo. Inquire Inquire $720K $3,500/mo. $400K Inquire $3,795/mo. $3,550/mo. $1.2 Million $698/mo. $3,360/mo. $3,195/mo. Inquire Inquire $3,546/mo. $890k Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire $740k Inquire Inquire Inquire Inquire Inquire Inquire Mid $400k $3,401/mo. Inquire

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ONTARIO Allora Condos, Urbandale – 613.822.2190 Amica Bearbrook Court – 613.837.8720 Amica London – 519.657.7096 Amica Quinte Gardens – 613.966.5815 Amica Riverside – 519.948.5500 Amica The Glebe – amica.ca Amica at Westboro Park – 613.728.9274 Arbour Village, Wilson Dev. – 1.800.963.7546 Aura By The Lake, Kaitlin Corp. – kaitlincorp.com Batawa livebatawa.com Blue Bay villas at Cobble Beach & Georgian Villas Custom Homes – 1.877.781.0149 Bluepoint Lookout, Allan Dev./valour – bluepointlookout.com Bluewater Country, Parkbridge – 519.542.7800 The Bluffs at Huron, Parkbridge – 519.955.6780 Bob–Lo island 519.736.1111

GREATER TORONTO AREA

ONTARIO

GOLDEN HORSESHOE

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COTTAGE COUNTRY nexthome.ca 45

FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO

Inquire $380K Inquire Inquire $380K Inquire Inquire Inquire Inquire Low $300K $545/mo. Inquire $370K $470K Inquire Inquire $200K $390K Inquire Inquire $3,614/mo. Inquire Custom Inquire Inquire $300K Inquire Inquire Low $400K Inquire Mid $300K Mid $200K $420K $380K $370K High $500K Inquire High $300K Inquire $530K Low $100K Inquire Inquire $560K Mid $400K $2,420/mo $390K $370K $230K Inquire Inquire Mid $200K $3,295/mo

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The Brealey Homes & Suites – nirvana.ca Brighton By The Bay – 1.800.418.6918 Burnham Meadows, Picture Homes – 705.742.1212 Carolina Suites, Nautical – 613.267.7000 Clarence Crossing, EQ Homes – 1.866.829.3117 Dough Tarry Homes – 519.474.4410 East Riverside Square, Elm Dev. – eastriversidesquare.com East Village Cobourg, Stalwood – 289–252–1961 Eden Park Clarington – 647.668.3695 Eastside Horizons – eastsidehorizons.ca Elliot Lake Retirement Living – 1.800.461.4663 Empire Crossing, Esprit – 1.800.932.3043 Encore at Port 32, Marshall – port32.com eQuinelle Community, eQ Homes – 1.866.829.3117 Fairways at Seven Lakes, Gintar – 519.252.0419 Frontenac Shores – 1.866.240.5194 Gallipeau Centre – 613.284.9916 Gibbard District Condos – 613.308.9190 Grand Cove Estates, Rice – 519.238.8444 Hamilton Woods, Gordon Tobey – 613.475.0618 Harbour Hill, Nautical Lands – 1.888.991.6548 Hastings Estates, Batavia Homes – bataviahomes.ca Haven On The Trent, Sifton – 1.855.305.7963 illusions, Kaitlin Corp. – kaitlincorp.com Kingswood Cobourg, Mason – masonhomes.ca Kokomo Beach Club, Wastell – kokomobeachclub.com Lakewoods, Lakewoods Resort Dev. – 1.888.990.9120 Lilacs Retirement Village – 705.742.3338 Loyalist Country Club, Kaitlin – 1.800.353.2066 Luna, Silvergate Homes – 905.680.6000 Luxury Waterfront at Picton Harbour – portpictonhomes.com Meneset on the Lake, Parkbridge – 519.440.1465 New Amherst in Cobourg – 1.866.528.9618 Ninth Avenue Estates – 519.371.5228 Orchard Gate Estates, Stalwood – 905.372.4179 Orchard Hill Country Towns – 1.877.548.4455 Palisade Gardens – 905.372.1150 Parklands & The Arbour Condo Villas, Mason – 1.866.443.7900 Perthmore Glen – 1.800.267.4218 Picton Harbour Lofts – 613.902.1433 Pinery Bluffs – 519.317.9931 Quinte Gardens Retirement – 613.966.5815 The Redwoods – 613.828.8540 The Residences of Cobble Beach, Reid’s/Sherwood Homes – 1.877.781.0149 Residences of Sawmill Creek – 519.336.7560 The Richmond, Verve – 613.966.4407 River Terraces at Greystone II, eQ Homes – 613.569.3043 RiverBend Golf Community, Sifton Properties – 519.657.4333 Riverview Meadows, Parkbridge – 519.297.3130 Riverstone, Sifton Properties – 519.851.7386 Riverstone, Brennan Custom – 1.844.211.1818 Sandbanks Summer Village – 613.476.5286 Seasons Amhertsburg – 519.736.7557

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ON MAP ONT 16 ONT 17 ONT 18 ONT 19 ONT 20 ONT 21 ONT 22 ONT 23 ONT 24 ONT 25 ONT 26 ONT 27 ONT 28 ONT 29 ONT 30 ONT 31 ONT 32 ONT 33 ONT 34 ONT 35 ONT 36 ONT 37 ONT 38 ONT 39 ONT 40 ONT 41 ONT 42 ONT 43 ONT 44 ONT 45 ONT 46 ONT 47 ONT 48 ONT 49 ONT 50 ONT 51 ONT 52 ONT 53 ONT 54 ONT 55 ONT 56 ONT 57 ONT 58 ONT 59 ONT 60 ONT 61 ONT 62 ONT 63 ONT 64 ONT 65 ONT 66 ONT 67 ONT 68

Active Life |

Nov. 18, 2023–Feb. 24, 2024

LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

Seasons Belle River – 519.727.0034 Seasons Brantford – 519.752.5477 Seasons Owen Sound – 519.371.5115 Seasons Royal Oak Village – 519.966.5475 Sherbrooke Heights – 705.243.4564 Stone & South, CaraCo – 613.875.2524 Sunrise Senior Living of Windsor – 519.974.5858 Tall Ships Landing, Fuller Grp. – 613.498.7245 The Walton Residences – 416.99.9851 Twelve Trees Waterfront Condos, Royalcliff Homes – 613.969.2044 Twin elms, Parkbridge – 519.245.3300 Valleyview Estates – 705.696.1600 Victoria Retirement – 905.377.1555 Views Prince edward County, Cosmopolitan Homes – lovetheviews.ca Vintage Green in Ilderton – 519.666.2094 VIVA Barrhaven – 1.888.984.8482 VIVA Waterside – 613.653.2010 Waterside, Viva – 613.253.2010 Wellings of Corunna, Nautical – 226.455.0505 Wellings of Picton, Nautical – 613.707.0431 Wellings of Stittsville, Nautical – 1.888.643.6548 Wellington Bay Estates & Abbott Lane Towns, Sandbank – 1.800.353.7823 West Five, Sifton – sifton.com Westlinks, Rice Dev. – 1.888.ASK.RiCe Whispering Pine, Sifton – sifton.com Wood Haven Luxury Condos – 519.842.9090 Young’s Cove, Briarwood – 1.866.962.5264

$3,490/mo $3,375/mo $3,045/mo $3,560/mo Inquire Low $500K Inquire $600K Inquire Mid $400K $90K $140K $1,795/mo Inquire Inquire Inquire Inquire Inquire $1,995/mo $3,295/mo $1,995/mo Inquire Inquire Low $400K Inquire $380K $480K

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GOLDEN HORSESHOE Amica Dundas 905.628.6200 Amica Stoney Creek 905.664.8444 Arbour vale, Pinewood 905.397.8616 The Bench Beamsville benchcondos.com Bench Mark, Losani Homes – losanihomes.com Century Condos, Homes By DeSantis centurycondos.ca Coast Road, River Rock Const. coastroad.ca Davis Heights, Lucchetta Homes lucchettahomes.com Deerwood Lane, Southport – 905.658.3554 Dickson Hill, Jackson Homes – dicksonhill.ca Dover Coast Phase 2, Stockworth – 519.583.2049 The Dover Wharf – doverwharf.com Edgewood Suites, FLATO® – edgewoodsuites.ca Elora Mill Condominiums, Pearle – eloramillcondos.ca The Flats at Black Creek – 519.583.9009 Grand Bell, Lakeview Dev. Hldgs. – grandbellsuites.com Grimsby Waterfront, Losani – losanihomes.com The Harbour Club, SDR Group – theharbourclub.ca Harbour Heights – 519.754.6772 Harbourtown village, Silvergate Hardy Terrace, Verve – 519.484.2431 Harvest Retirement Village – 519.688.0448 The Jacob, Emshih Living – 905.563.3322 Kayak Urban Towns, Kingwood – kingwoodhomes.ca King’s Park, LJM Dev. – kingspark.ca Lakeside Landing Wellington, Royalcliff, lakesidelandingwellington.ca Legends On The Green, Silvergate Homes – silvergatehomes.com Lincoln Park Retirement – 905.309.0055 The Manse, Homes By JBR – 905.692.1052 Meadowlands – 905.304.1968 Metcalfe Gardens, Verve – 519.631.9393 The Oaks at Six Mile Creek, Blythwood Homes Townhomes at the Oaks in Ridgeway – blythwoodhomes.ca

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ON MAP

FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO

PRICE FROM

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COMMUNITY NAME & CONTACT Odyssey, Rosehaven – odysseylife.ca One Five Central, Aiva – onefivecentral.com Panorama Condos, Kalar – 289.271.4950 Park Lane Place, Park Lane Homes 905.382.8857 Passages on the Canal, BW – mypassages.ca Pine Meadows– 226.821.1688 Piper’s Grove Condos, Reid’s – 226.751.5250 Portside at Woodway Trails – huroncreek.com Portview estates, Silvergate – silvergatehomes.com Queensview Retirement Comm. 1.888.436.6534 Riverside at Hunters Pointe, Lucchetta Homes – 289.820.8600 Royal Port, Rankin – 1–833–ROYAL–51 Royal Ridge, Royal Oak Prop. – royalridge.ca Ryan’s Grove, Lucchetta Homes – lucchettahomes.com Shelter Cove – 1.866.416.8848 The Shores, Marz Homes – 905.894.7873 South Hill, Thomasfield – 519.766.5060 South Port, Rankin Const. – southpt.ca The Spencer at Dundas Peak, Sage – spencercondo.com St. Elizabeth Mills, Zest – 905.574.8178 Stonecroft by Carey Homes – 1.866.278.7577 Sweetberry, Losani Homes – losanihomes.com Trailside at Grey Silo Gate, Activa – 519.742.5800 Victoria & John, Solmar – 905.688.3010 Upper Vista Condos, Evertrust – 1.866.418.8936 Village Creek, Park Lane Homes – 905.382.8857 The Village on Prince Charles, Carey Homes – careyhomes.ca Village On The Twelve, Silvergate Homes – silvergatehomes.com The Vines, Four Mile Creek, Blythwood Woodcastle Homes – 647.531.8463 The Vintages at Four Mile Creek, Blythwood – 905.657.2977 Vista Ridge & Vibrant, Losani – losanihomes.com Viva On The Lake, Losani – losanihomes.com Watercrest at Hunter’s Point, Luccetta – luccettahomes.com/watercrest Waterview Condos, LJM – 1.855.500.1215 Welland High Garden, Dennis – wellandhighgarden.ca Wellings of Waterford – 1.800.996.9885 Westwood Trails, Sinclair Homes – 226.476.2227

$540K High $200K $330K Mid $400K Inquire Resale $360K Mid $300K $1 Million + $2,395/mo. Low $500K Mid $800K $600K $760K Low $200K High $300K $420K $360K Inquire $370K $670K Inquire Low $400K Inquire Low $500K Mid $400K Low $400K High $600K $570K Mid $500K $300K Inquire Inquire Low $400K Inquire $1,295/mo. $360K

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ON MAP

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COTTAGE COUNTRY Amica Little Lake – 705.722.9191 Aquavil, Royalton Homes – aquavil.ca Ashton Meadows, Briarwood – ashtonmeadows.ca Beaverton Common, Armour Heights Developments – armourhd.com Bistro 6, Pratt Homes – 705-733-0300 Blue Vista, Royalton Homes – bluevista.ca Braestone Horseshoe Valley, Georgian international – 705.727.5656 The Bungalows at Peaks Ridge – 416.399.6546 Chalets at Georgian Shores – georgian–shores.ca Fenelon Lakes Club – 705.887.5440 Forest Heights, Democrat Homes – 705.835.0354 Friday Harbour Resort, Geranium/Pemberton – 647.351.0991 Georgian Sands, Elm Dev. – georgiansands.com Gryffin Bluffs, Gang of Five Inc. – gryffinbluffs.ca

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LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

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Harbour Pointe, Batavia – 705.355.0363

$380K

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Harmony Living, Mamta – mamtahomes.com

Inquire

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Hedge Road Landing, Alliance – 905.596.2200

Inquire

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Highcrest Muskoka, edgewoodmuskoka.com

Inquire

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$3,250/mo.

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Homes on the Bay, Rose Water – rosewatermanagement.com

Inquire

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Hometown Creemore, Alliance – hometowncreemore.ca

$590K

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Holland Gardens, Verve – 905.775.6020

The Këmp, Fortress – 905.787.9266

Inquire

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Kings Landing, Dreamland Homes – 905.657.4663

High $500K

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Kingsmere Retirement, Sienna – 705.434.4600

Inquire

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Kingsview on Balsam Lake, Kaitlin – 1.866.514.3573

Inquire

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Lākhouse Lakefront Residences, Aalto Developments – lakhouse.ca

$470K

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Lakepoint village, Alliance – 705.323.9768

$260K

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Lakeside Muskoka, lakesidemuskoka.ca

Mid $700,000s

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The Landing at Little Lake – 705.719.9909

Mid $300K

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ON MAP

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Lora Bay: The Cottages & The Masters, Sherwood Homes – 1.877.696.8984

Mid $600K

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Beachway Crossing, Stonebridge Building Group -stonebridgebg.com

Mid $600K

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$380K

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Matchedash Lofts, Oakleigh Dev. – 647.502.5255

$430K

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The Meadows of Creemore, MDM – 705.466.5246

Mid $200K

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Markdale Highlands, Sunfield – sunfieldhomes.com

Monaco Condominiums – 1.855.666.7007

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$580K

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Muskoka Bay Resort, Freed Developments Ltd. – 1.866.321.2004

High $300K

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Mountain House at Windfall, Georgian International – 705.293.0954

Low $300K

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Mountaincroft, Grandview Homes – 1.866.775.0333

$470K

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Muskokan Resort Club – 1.866.960.9016

Inquire

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Oak Bay, Eden Oak – 705.538.0303

$520K

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Red Maple, Alliance/Consar – 705.293.1374

$370K

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Residences at Five Points, AT Dev. – atdevelopments.ca

$420K

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Residences on McMurray, Unexus – 705.646.2333

Inquire

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Riverway, Centurion Homes – 647.478.9050

Mid $500K

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Royal Windsor at Balmoral Village, Sherwood Homes – 1.877.887.3437

Mid $300K

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$130K

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Sandycove Acres, Parkbridge – 1.800.348.7161 Sea Shell Bay, Calibrex – seashellbay.ca

Inquire

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Seasons on Little Lake, Hanson – 1.888.990.9120

Mid $300K

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Simcoe Gardens, Mamta – mamtahomes.com

$900K

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Sophie’s Landing – sophieslanding.ca

Low $500K

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The South Shore, Fortress – 905.476.6400

Mid $500K

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$560K

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Mid $300K

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Terrace Wood, Third Line – 647.227.4069

$540K

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Stonebridge By The Bay, Stonebridge Building Group – 705.422.0880 The Summit, Truelife – thesummitmuskoka.com The Tom Studio Suties, Greystone – 705.773.8833

$280K

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$330K

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The Villas at Wasaga Meadows, Parkbridge – 705.429.5996

Inquire

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The Waterfront at Grandview – waterfrontatgrandview.com

Inquire

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The View at Blue Fairway, MacPherson Builders – theviewcondos.ca

Thornbury Meadows, Telfer Homes – thornburymeadows.ca

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$360K

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Mid $300K

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Treetops at Hidden valley, Club Leisure Corporation – 1–855–784–9990

$370K

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The viC Condos, AT Dev. – atdevelopments.ca

Inquire

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Valley Lodge at Horseshoe Resort – 1–844–845–6343

Low $300K

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Vistas Hillside Briar Hill – 705.435.5503

Mid $400K

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Timberline, Batavia Homes – bataviahomes.ca

Waterstone Modern Townes, Nexus – waterstonetownes.com The Waterways of Muskoka – 705.645.5533 White Pines, Mattamy Homes – 705.645.6448 Windfall Phase 2 in Blue Mountain village, Georgian International – 705.293.0954

Inquire

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Low $400K

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$430K

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Woodland Creeks, Briarwood – woodlandcreeks.ca

Mid $500K

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Wyldewood Creek, Brandy Lane – 1.800.315.HOME

Low $300K

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GREATER TORONTO AREA

ONTARIO

GOLDEN HORSESHOE

COTTAGE COUNTRY

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ADVICE | INDUSTRY REPORT

ADJUSTING HST REBATE THRESHOLDS WOULD PROVIDE RELIEF FOR NEW-HOME BUYERS

DAVE WILKES

In September, the federal government announced it will remove the Goods and Services Tax (GST) on the construction of new rental housing. The same day, the Ontario government announced it will work with the federal government to remove the province’s portion of the Harmonized Sales Tax (HST) from purpose-built rentals. These commendable changes significantly improve the financial feasibility of building new homes for rent. Already we have seen announcements of projects with thousands of new units in this much-needed category. Given the significant impact that taxation can have on Canadians’ ability to attain housing, the federal government should now focus on keeping a 32-year-old promise to adjust the price thresholds for the GST/HST new housing rebate program. The GST on new homes was introduced in 1991, replacing the previous tax regime. To compensate homebuyers for the tax increase, the federal government introduced a rebate program that would reimburse the difference between the GST and the old tax. The government said that about 95 per cent of new homes would be eligible for the rebate. To maintain housing affordability, it made an important pledge: To review and 50

Active Life |

Nov. 18, 2023–Feb. 24, 2024

adjust the rebate thresholds at least every two years to reflect changes in house prices. Unfortunately, no review has taken place in the 32 years that have passed, and no adjustments have been undertaken. In 2010, the HST was introduced on new homes, replacing the GST and the Provincial Sales Tax (PST), but the federal rebate program and its thresholds remain the same. The promise to Canadians to ensure that the tax does not affect housing affordability remains unfulfilled. Since 1991, the price of an average home in the GTA has increased from $250,000 to about $1.2 million, which means the federal government’s tax revenue has increased from about $12,500 per unit to nearly $60,000 per unit. That’s tens of thousands of dollars in taxes added to the cost of a new home, in addition to all the other government fees, taxes and charges that are passed on to new-home buyers as part of the purchase price. Added up, these can constitute as much as 25 per cent of the cost of a

new home in the GTA, contributing to the affordability crisis. The federal government has demonstrated it understands the impact of taxation on housing attainability. It should follow up its laudable efforts in encouraging rental construction with an adjustment to the thresholds for the GST/HST new housing rebate. It would put tens of thousands of dollars back in the pockets of new-home buyers and would honour the original intent of the rebate – to help preserve housing affordability for all Canadians. Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.

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