Southwestern Ontario New Home and Condo Guide - Oct 26, 2013 by NextHome

Oct 26 - Nov 9, 2013 Volume 16 Issue 19

INSIDE THIS ISSUE

TIPS AND ADVICE DOWNSIZING ANDFOR OHBA CITY CONFERS FOCUS: HAMILTON 2013 LIVING GREEN SELECTING A BUILDER AWARDS STILL OF HUMMING DISTINCTION ALONG

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LHBA CONFERS ANNUAL GUELPH: A FOCUS ON AWARDS ECONOMYOF&EXCELLENCE ENVIRONMENT

10/23/13 2:23 PM

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EMPIRE IS ENERGY STAR PLUS!

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Empire Communities made homeownership a reality for me and my family. I can stay home with our children, camp in the backyard and never miss another special family moment. They offer spectacular homes at an affordable price which helped make our dreams a reality.

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Empire’s EASY BUY™ PROGRAM allowed us to make an initial deposit of $500* and with a bi-weekly mortgage payment as low as $441.98**, you can expect more life in an Empire home.

CELEBRATING 100 HAPPY HOMEOWNERS!

STONEY CREEK

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$ @EmpireVictory

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503,990

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22 Green Mountain Rd. W., STONEY CREEK 905.930.7934

INVENTORY HOMES

BRANTFORD

Towns from

Detached from

241,990

318,990

TRUE Freehold Towns from

209,990

30' Detached from

239,990

$ @EmpireWyndfield

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296,990

44' Detached from

331,990

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310 Blackburn Dr., BRANTFORD 519.756.4554

INVENTORY HOMES

HAMILTON

Towns from

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30' Detached from

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$ @EmpireSummerlea

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3 Binhaven Blvd., BINBROOK 905.692.6000

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NIAGARA

NOW SELLING PHASE 2 TRUE Freehold Townhomes from

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36' Detached from

259,990

44' Detached from

46' Detached from

313,990

@EmpireImagine

212,990

30' Detached from

219,990

5pm

TRUE Freehold Park Townhomes from

359,990

facebook.com/EmpireImagine

McLeod Rd. & Kalar Rd., NIAGARA 905.354.1710

Prices, sizes and specifications are subject to change without notice. *Applies to townhomes with 14-month move-ins. Ask about the Easy Buy ™ Program for other home types. **Based on the purchase price of $199,990, bi-weekly payments, 4 year fixed term, rate of 3.59%, 25 year amortization and a 5% deposit. The Easy Buy ™ Program is not available at Imagine. Please see Sales for full details. E. & O.E., all based on approved credit. Map not to scale. Exclusive listing brokerage: TFN Realty Inc. Broker Protected.

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10/23/13 11:19 AM

mattamyhomes.com

For Affordable Detached Living In A Natural Community, Pick Wildflowers.

Beautiful Detached Homes In Kitchener Starting From The $290’s.

Actual Woodlot In Wildflowers Community.

Come and see why Wildflowers is fast becoming Kitchener’s most popular new neighbourhood. You’ll find lots of home variety in a community setting that will include park spaces, playgrounds, walking/biking trails, serene ponds and a wonderful old-growth forest.

Right now you’ll also find a special package of upgrades on our 30' and 36' Detached homes. We’ll include granite kitchen countertops and hardwood on the main floor. Wildflowers is a perfect pick if you’re looking for a new home in Kitchener.

43' Home, The Clover, Elev. ‘B’, 2,623 Sq.Ft., $442,990

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Detached Homes From $296,990

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36' Home, The Calypso, Elev. ‘A’, 1,818 Sq.Ft., $352,990

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

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All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

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TWOSTOREYFREEHOLDTOwnS with Double Car GaraGe on selected models

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Monday to Wednesday 2-7pm Thursday/Friday by Appointment Saturday & Sunday 11-4pm

CountryGreenHomes.com | 905-690-7600 OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 7

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contents

OCT 26 - NOV 9, 2013

VOLUME 16 ISSUE 19

cover story p.14 FOREST PARK HOMES

offers a taste of small town living at The Village Landing in Fonthill 26

regular and special features IN EVERY ISSUE 10 EDITOR’S NOTE

87 92

HOT DATES AD INDEX

IN THE NEWS

ECONOMY

LHBA

COLUMNISTS

EXPERT ADVICE

Tips and advice for selecting a newhome builder

HOMEBUYERS’ HELP

BUILDING BLOCKS

by Jeff Paikin

Securing the best mortgage for your first home TARION REPORT

Making your opinion count as a new-home buyer

LHBA confers annual Awards of Creative Excellence

by Karen Kessel

by Howard Bogach

Canada poised to take advantage of U.S. economic recovery

STYLE FILE

The ’20s are roaring back in style

by Lisa Boyer

CITY FOCUS

Hamilton: still humming along by Wayne Karl

FUNDAMENTALLY SPEAKING

HOMEBUYERS’ RESOURCES

Mortgage Calculator & Rate Table

Location, information and timing a new adage to follow in real estate

by Wayne Karl

community focus features 26

KITCHENER

Fusion Homes

BURLINGTON

Molinaro Group

The “New Burlington” arrives this fall in Midtown

008 TOC-VB-WK.indd 8

DiCenzo Homes

Blue Shores models introduce gracious luxury to waterfront community

Smart design, lifestyle and value – you’ll find it all at River Ridge

STONEY CREEK

WOODSTOCK

Geranium Homes

Discover Woodstock this fall, at The Village at Sally Creek

NEW HOME

watch

19 Waterloo 31 Hamilton 72 London

10/24/13 2:09:44 PM

$10,000 ENDS O CTO B E R 31 S T

there’s no place like a

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e m o h

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$10,000 KITCHEN DESIGN DOLLARS! p.s this isn’t your mother’s kitchen.

www.mountainview.com

905-323-6232

Offer & Specifications subject to change without notice. E.&.O.E. Not valid with any other promotion. Includes 4pc appliance plus Kitchenaid mixer (colour not specified), Granite allowance of $5335, granite available in three colours. OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 9

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editor’snote

What rules your new-home choice? Lifestyle increasingly inﬂuential for buyers

ew-home buyers are often driven by different influences, but there’s no doubt lifestyle is an increasingly important factor. Whether you’re considering a home near the beach, a golf course or a city penthouse or pied-à-terre, you’re likely looking to compensate for what you don’t have in your current residence. The amount of living space is usually the issue – either too much or too little. Most young families are looking for more, which is why builders are designing homes with interiors that maximize every square foot of living space to make the most of your money. As we get older, the quest for living space may take a different direction. Downsizing is usually the answer, although many homeowners with existing homes in suburban or rural areas are acquiring townhomes or pied-à-terres in the city. An urban location gives owners and their friends a chance to enjoy the social and cultural activities of the city without having to drive for hours to get home. In today’s hectic world, your new home will be your retreat, so it’s important to find is to find a home that suits your needs and lifestyle. In this issue, we profile new communities which offer the perfect place to put up your feet, plus the latest industry news and features about buying and owning a new home. Enjoy!

Susan Legge EDITOR-IN-CHIEF

Wall2Wall Media, susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill

DIRECTOR OF SALES, NATIONAL

Josh Heppner

ASSOCIATE PUBLISHER

Susan Maxwell

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge ART DIRECTOR

Daiana Garay EDITOR

Wayne Karl CONTRIBUTING EDITORS

Sara Duck Elisa Krovblit Lydia McNutt

DISTRIBUTION & SALES CO-ORDINATOR

Jennifer Bistron

ADMINISTRATIVE ASSISTANT

Antoinette Jackson

MANAGER OF PRODUCTION

Bala Gnanapandithan CO-ORDINATOR

Laura Northmore GRAPHIC DESIGNER

Viosa Barileva

CONTRIBUTING WRITERS

Joanne Keenan Jeffrey Reed PUBLISHED BY

Economic outlook bodes well for SWO Gains in manufacturing and other areas a boost

f you paid attention to the Bank of Canada’s latest interest rate announcement on Oct. 23, your reaction may have been mixed. Pleased – because the Bank held its target for the overnight rate at one per cent, where it has been since September 2010. Somewhat concerned, perhaps – because the accompanying commentary from BoC governor Stephen Poloz was less than rosy. Something about an economic environment that is “less favourable for Canada,” as well as delayed growth in exports and business investment. The Bank’s forecast of GDP growth of just 1.6 per cent for this year is certainly no reason to celebrate. But what is also happening is that the Canadian dollar is under pressure – in fact declining the day of Poloz’s announcement. TD Economics, meanwhile, is among those predicting the dollar will drop further in 2014. This, of course, would be good news for export-based industries such as manufacturing, automotive and steel production. And we know how important those sectors are to Southwestern Ontario communities such as Hamilton, Cambridge and Woodstock. Indeed, 2013 may not be wrapping up as a stellar year for local economies in SWO, but the forecast for 2014 is looking better and better.

Wayne Karl EDITOR

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

Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

newhomeandcondoguide.com #500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 Call Susan Maxwell at 416.580.1654 FAX: 416.784.9554 Toll Free: 1.877.269.8257, follow prompts, ext. 4260; e-mail: susan.maxwell@wall2wallmedia.com Office hours are Mon-Thurs. 9-5; Fri. 9-12

ADVERTISING:

CIRCULATION: Free distribution. Published bi-weekly from Sept.-Nov. & from Feb.-June and monthly in June, July & Dec. TERMS: Advertisers, Editorials and New Home & Condo Guide are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL: Submissions from interested parties will be considered. Please submit to the address above, to the attention of the Editor. COPYRIGHT 2013: All

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

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

10 NEW HOME & CONDO GUIDE SWO | OCT 26 - NOV 9, 2013

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BLOCK BLOWOUT!

You could

WIN A DREAM

KITCHEN valued at over

19,000

Every home purchase in October qualifies!

INVENTORY BONUS PACKAGE valued at over $5,000 on our 11 remaining townhomes! Hurry! Only available on purchases in October before the opening of Phase 2. See Sales Agent for exciting details!

Final Release! BU

LAKE ONTARIO

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W PK LL HI D

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From Niagara

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GRIMSBY

ONTARIO ST.

QEW STONEY CREEK

From GTA

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EXIT

64 CENTENNIAL PKWY.

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DOWNTOWN BEAMSVILLE

IMPORTANT: Take Ontario St. (Hwy #18)/Beamsville Exit #64 (From GTA Do Not Take Ontario St./Grimsby exit)

Sales Centre: Intersection of Ontario & May Street, (Serena Drive), Beamsville Hours: Monday - Thursday 1pm - 6pm Saturday & Sunday 12pm - 5pm, Fridays by appointment only

Stunning Detached and Townhome Designs from

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289.566.8889 or visit HomesByDeSantis.com Register now on your mobile device For community updates, contests, new home owner information and more, follow us on:

11 * Prize not exactly as shown, visit homesbydesantis.com/contest or Sales Centre for full contest rules and regulations. Illustrations are artists concept. Prices and specifications are subject to change.

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Live the Life ™

Now in Binbrook

G C D W

Fall in love with our Forested Towns in their natural environment Artis

t’s c

Kitc

onc

ept

Grim

2-Storey Town Collection Fresh New Thinking

Feature-Filled Towns with Forested Backyards! BRANTHAVEN.COM 012-013-Branthaven Homes 10-12-13.indd 12

Towns with 9’ Ceilings Priced from

Bonus Offer Choose Two *

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Artis

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onc

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• Hardwood on main floor • 3 Stainless Steel Appliances • $2,500 in Décor Dollars

Sales Office

Ston

45 Royal Winter Drive, Binbrook

Mon- Thurs 1-6pm, Fri-Closed, Sat & Sun 12-5pm 1-877-595-7755 *Ask your sales representative for more details. Prices, sizes and specifications are subject to change without notice. Renderings are artist’s concept. E.&O.E.

10/23/13 11:19 AM

BH_NHC_DoublePg_Oct11 F.pdf

13-10-08

1:09 PM

Live the Life

™

Great Communities Designed For The Way You Live! Improve your lifestyle! Move in within 30-120 Days! 2 & 3-Storey Urban Townhomes Priced From

Kitchener

$255,490 $2,500 BONUS

Available with Main floor Hardwood or PLUS CHOOSE 4 Stainless Steel Appliances* Artist’s concept

342 Mill Street

1-888-215-4546

Elevated Condo Living 1-2 Bdrm Boutique Condos Priced From

Grimsby

$174,990

Bonus Offer * 5 Piece Appliance Package 440 North Service Road

1-877-958-9898

Artist’s concept

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PARAMOUNT AT

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Prices, sizes and specifications are subject to change without notice. Renderings are artist’s concept. E.&O.E. *Ask a sales representative for more details.

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coverstory

Forest Park Homes

offers a taste of small town living in Fonthill location Fonthill housing type Freehold townhomes from $249,900 and singles from $349,900 sales centre Royal LePage, 1815 Merrittville Hwy. contact 905.401.7832 fonthill@royallepage.ca | thevillagelanding.com

orest Park Homes has established itself as a home builder with a forte for creating communities within communities in the small towns of southern Ontario such as Ayr, Waterloo, Woodstock, Stratford and now Fonthill. With award-winning style on its side, Forest Park introduces The Village Landing on Haist Street in the heart of the quiet town of Fonthill in Niagara’s countryside. This is where you’ll discover the simplicity of walking the kids to school and the challenge of playing 18 holes on top-ranked golf courses. Lush greenspace and pristine hiking trails cater to both your sense of adventure and your love of solitude. The convenience of having all this – and every amenity – close at hand will be yours at The Village Landing.

14 New home & condo guide SWO | oct 26 - nov 9, 2013

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Forest Park Homes has established itself as a home builder with a forte for creating communities within communities in the small towns of southern Ontario such as Ayr, Waterloo, Woodstock, Stratford and now Fonthill. Visitors will soon learn that they’re just minutes from St. Catharines and Niagara Falls and all of the region’s most popular points in between, such as the Wine Route, Shaw Festival and casinos. Airports in Buffalo, Hamilton and Toronto are within an hour’s drive. Two model homes are under construction and will be open for viewing in mid-December, inviting visitors to view the quality, style and design found within a Forest Park home. Pre-selling is taking place from Fonthill’s Royal LePage office, where all plans are available for viewing. The Village Landing showcases two collections of singles of 1,265 to 3.575 sq. ft. designed for 45- and 50ft. lots. You’ll discover innovative designs made popular within other communities, such as the three- or fourbedroom Beaujolais (re-christened the Kinsale for Fonthill, one of the models under construction) from Hilltop Estates in Ayr. It was named 2010’s Best New Home Design by the Waterloo Region Home Builders’ Association for its second-level family room, luxury ensuite, open concept main floor of kitchen, dining area and living room, main level laundry, double-car garage and specialty features such as coffered ceilings, fireplaces and covered back terrace. This was also part of Forest Park’s award-winning 2010 Project of the Year. The freehold townhomes are equally impressive, with expansive widths of 26-ft. leading to interiors of 1,431 to 1,857 sq. ft., spaciousness seldom seen in townhome design. Available in two-storey, bungalow and bungaloft designs, they offer a gamut of lifestyle options in a town where quality of life is the quintessential feature. In the near future, construction will begin on a row of townhome models to showcase another aspect of Village Landing living. With prices starting at $249,900 for townhomes and $319,900 for singles, Forest Park offers entry level pricing to Fonthill living. These are baseline prices that include this builder’s extensive list of standard features, while still offering a handsome selection of upgrades to enhance each home to every family’s needs and tastes. Life. Style. Choices. All are available at The Village Landing in Fonthill. For more information, call 905.401.7832, email fonthill@royallepage.ca or visit thevillagelanding.com

FOREST PARK HOMES

The Village Landing

AYR

VistaHills

VistaHills oct 26 - nov 9, 2013 | New home & condo guide SWO 15

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Luxury Bungalows Thousands Below GTA Prices! Air e h T In l il h A C as corner. Or

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Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept. The ENERGY STAR® WQ-1195 NHG SWO DPS September 10, 13.indd 1 016-017-Geranium Homes 09-14-13.indd 1

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10/23/13 11:19 AM

mark

DESIGNER DECORATED MODELS OPEN!

EXT. BRK. BAR

399,900

from

1,323 to 1,528 sq. ft.

1,486 to 2,067 sq. ft.

$10,000 Bonus Package Included* 59

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10' HIGH TRAY CEILIN

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RAILING

O.T.B.

BARREL ARCH

W.I.C. MASTER ENSUITE

(SUNKEN) LAUNDRY

MAIN BATH

OPT. UPPERS

SEAT

OPEN TO ABOVE

OPT. DOUBLE SINKS

LINEN

BARREL ARCH

OVAL TUB

DOOR GRADE PERMITTING (MAX. 3 RISERS) OPT. DOOR (LOCATION OF DOOR MAY VARY WITH GRADE)

OPT. COFFERED CEILIN

FOYER

OPEN TO ABOVE

LIBRARY 13'2"x 11'0"

GARAGE 18'8"x 20'0"

SITE & SALES CENTRE

Norw

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CEILING

D.V. GAS F/P

KITCHEN 14'6"x10'0"

289,900

from

GREAT ROOM 26'0"x14'0"

LIMIT OF HIGH CEILIN

W.I.C.

OPT. SKYLIGHT

Woodstock’s charming downtown is close by with farmer’s market, summer theatre, state-of-the-art hospital and immediate access to Hwy 401.

Bungalows On 50’ Lots

OPT. SKYLIGHT

All in a friendly neighbourhood with on-site Bistro and recreation centre steps from your door.

Bungalows Semi-Links

SLOPED

OPT. SKYLIGHT

CEILING

DINING 14'6"x11'0"

PANTRY

Geranium’s all new designs offer brick and stone exteriors, 9’ ceilings, gourmet kitchens, spa ensuites, plus Energy Star savings and so much more.

LIMIT OF HIGH CEILIN

Discover the best bungalow value at The Village of Sally Creek, the Adult Lifestyle Golf Course Community that has it all in Woodstock.

Ave ittart Vans

AR®

FRENCH DOOR

ener Kitch7 Min 3

Sales Centre Open: Sat, Sun & Hol: 11am - 5pm Mon - Wed: 11am - 5pm or by appointment

519-290-3466

COVERED PORCH

The Wentworth 2,067 sq.ft. GR FLO W/OU OR00 OpND PLAsq. t. Lof N ftEL 'A' t 2,7 2

#" - - " / 5 3 " & 4 50 6 ' ' 7 * - - & 1 0 35 ) 0 1 & 80 0 % 4 50 $ ,

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10/23/13 11:19 AM

THE BEAUTY OF LAKE SIMCOE.

NOW AT AN AFFORDABLE PRICE. PICTURE IT. An early morning after a sound sleep. You grab your coffee, step out onto the terrace, and watch the first sailboats slip out of the marina. It’s a great start to another great day, living at Crates Landing. Now we’re presenting special new pricing on the great selection of 1, 2 and 3 bedroom suites still available in the Grand Marina Condominium, many with expansive waterfront terraces.

D L O S % 0 l Available 7 W O N Suites Stil ! Great W O N R S EV E N T E T S I G RE EMBER SALE

Now Starting from the low

om c . g n i d n ratesLa

SEPT

400’s

L AKE SIMC OE

CratesLanding.com T: 905.476.6400

Prices and specifications are subject to change without prior notice. E. & O.E.

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halton hills wellington waterloo

New Home

watch

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

preview registration Vanmar Guelph | V2 Condos

new releases menkes Georgetown | The Enclaves of Upper Canada

Coming soon to south Guelph, an intimate midrise condominium only minutes to nature trails, golfing, dining and shopping.

New release of semi-links in this family community backing on to a ravine mature trees.

v2condos.ca

menkes.com

macpherson builders Fergus | Summerlea

reid’s heritage homes Guelph | Westminster Woods

Coming soon – single-family homes from the $280’s. Register today.

mysummerlea.com

macpherson builders Seaforth | Bridges of Seaforth

Country living at its finest at one of Ontario’s premier adult lifestyle communities.

bridgesofseaforth.ca

new openings mattamy homes Kitchener | Wildflowers

Coming soon – Mattamy’s first master-planned community in Kitchener, with affordable townhomes and detached homes.

mattamyhomes.com

gemini homes Guelph | Morning Crest

Energy Star model home is now open. Visit at Watson Road and Couling Crescent for details on available single and semi-detached homes.

geminihomes.ca

Almaa Ayr Cambridge Elora Fergus Georgetown Guelph Kitchener Rockwood Waterloo

New building release at Kingsbury Square, as a result of the first Kingsbury building selling out quickly. New standard features and finishes. Located in desirable South Guelph.

reidsheritagehomes.com

reid’s heritage homes Fergus | Westminster Highlands

Brand new master-planned community in Fergus. Phase One includes, singlefamily homes, bungalow townhomes and executive townhomes – close to amenities.

reidsheritagehomes.com

fusion homes Guelph | Blueberry Hill

Brand new semi-detached and 30-ft. detached lots.

fusionhomes.com

fusion homes Guelph | Privada

Final release now underway for this collection of bungalow townhomes.

fusionhomes.com

gemini homes Guelph | Creekside

Special release – last lot in Creekside, Cobalt semi-detached with pie-shaped lot now available.

geminihomes.ca

gemini homes Guelph | The Highlands

Semi-detached homes from the $320’s, including A/C and granite kitchen counters. Walkouts available.

geminihomes.ca

oct 26 - nov 9, 2013 | New home & condo guide SWO 19

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Plattsville

Stratford

Breslau

Collingwood

Baden

Owen Sound

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

Halton Hills / Wellington / Waterloo:

Acton

PRICES

PAGE

Baden

EASTFOREST HOMES

Corporate

• • •

• •

Cambridge

MATTAMY HOMES

Wildflowers

•

Collingwood

REID'S HERITAGE HOMES

Lora Bay

• • from $375,100

Fergus

REID'S HERITAGE HOMES

Westminster Highlands

•

Georgetown

MENKES

The Enclaves of Upper Canada • • from low $400's 35

Guelph

BLUE BUILT HOMES

Guelph

FUSION

Privada •

Guelph

REID'S HERITAGE HOMES

Westminster Woods

Kitchener

BRANTHAVEN HOMES

Joy •

from $255,490

Kitchener

DUNSIRE DEVELOPMENTS

Mill Creek Village •

from $286,490

Kitchener

WILLIAMSBURG HOMES

Eby Estates

• from $339,900

Owen Sound

REID'S HERITAGE HOMES

The Residences of Cobble Beach • • • from $349,900

Port Elgin

REID'S HERITAGE HOMES

Summerside

• • • from $213,375

•

from the $270's 29&BC

from $443,700

• • • from $168,900

MILTON, GEORGETOWN, ROCKWOOD, GUELPH, FERGUS, ELORA, ALMA, CAMBRIDGE, KITCHENER, WATERLOO, AYR

•

from $296,990

Halton Hills / Wellington / Waterloo:

SITES

De t. Se m Bu i ng a To low w Co nho nd m Ad o e ul tL ife sty le

LOCATION BUILDERS

020-021-SW Map-Waterloo.indd 21

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This promotion applies to any combination of Eastforest Homes Ltd., product. This promotion applies to homes closing by December 31, 2013. The reward being offered must be used within the specified time period set out by Eastforest Homes Ltd. This reward is not redeemable for cash, is subject to HST and the destination is selected by Eastforest Homes Ltd. This promotion is effective October 22nd 2013 and is subject to change or be cancelled at any time, without notice or obligation. E.O.& E. 24

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FALL HEAD OVER HEELS FOR OUR BIGGER BACKYARDS THERE’S A LOT TO LOOK FORWARD TO THIS FALL! · Enjoy a spacious lot 100’ to 200’ deep! With low lot premiums and extra space for the kids to play, there’s a lot to love at Eby Estates. · You’ll have little need to updgrade with our list of incredible standard features. Compare with our competitors today. · We will work with you to create a home layout that is perfect for all your family’s needs. Visit our Discovery Centre for more information.

KITCHENER Conestoga Parkway

Homer Watson

Isaiah St.

2012

Gravel Ridge Trail

Fischer-Hallman

7/8

DISCOVERY CENTRE

Bleams Rd.

Energy Star Qualified Homes

LEARN MORE AT:

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williamsburghomes.ca

or 519.208.5834

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401

LONDON

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MODEL HOME & DISCOVERY CENTRE HOURS: Mon. - Wed. 2 - 7pm | Sat. - Sun. Noon - 5pm

*Prices and specifications subject to change. See sales representatives for more details. | ENERGY STAR is administered and promoted in Canada by Natural Resources Canada. Used with permission. October, 2013.

OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 25

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communityfocus

Smart design, lifestyle and value You’ll find it all at

River Ridge in Kitchener

estled in between Kiwanis Park and the Grand River, Fusion Homes’ River Ridge community is bound to win over your family. With plenty of outdoor activities to keep everyone healthy and happy, this location tucked into the northeast corner of Kitchener will also appeal to those controlling the pursestrings, since this wonderful neighbourhood compares very well to those in Waterloo, while saving thousands in lot premiums and property taxes. While the geography has its perks, it’s the homes themselves that you’ll fall in love with. On generous 45-ft. lots, the

single-family homes here boast handsome exteriors in brick and stone. Inside the 2,800-sq.-ft. Pavillion II model home, located at 18 Eaglecrest St., Fusion’s high-quality construction lives up to expectations. Smart design is evident – the open-concept layout of the main floor is tempered by the placement of the rooms and their openings, so there is virtually no echo. This floorplan also includes a main floor office that is separate from the rest of the rooms, offering a private place to pay bills, read or work from home. The spacious design puts a formal living room up front, just off the foyer. A hallway leads past the dining room, which features a butler’s pantry leading through to the kitchen. Opening up to a bright Great Room, attention

26 New home & condo guide SWO | oct 26 - nov 9, 2013

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FUSION HOMES

River Ridge location Kitchener housing type Townhomes and single-detached homes sales centre Model home is located at 18 Eaglecest St. on the corner of Falconridge Drive, open Monday to Wednesday 2 to 7 p.m., and Saturday and Sunday noon to 5 p.m. contact 519.894.5100 sales@fusionhomes.com fusionhomes.com

is focused on sleek gas fireplace with an attractive stone surround flanked by tall windows. Glossy dark hardwood runs throughout the main floor into the eat-in kitchen, where it meets pristine white cabinetry capped with pleasing natural shade granite counters. The large island features an undermount sink, as well as a breakfast bar facing the Great Room. Fusion is conscious of how space is utilized in its new-home designs, and the second floor speaks to how well thought out the floorplans are. The upper hallway loops around the stairwell, framed by a hardwood bannister. Four large bedrooms are laid around the outside, with a ton of closet space; three of the rooms have walk-in closets, the other has a generous double closet, and there’s even a walk-in linen closet. The family bath is well planned with a water closet for the toilet as well as the tub and shower with a subway tile surround. Of course, the master bedroom is something to behold, a large space with a luxury ensuite included at River Ridge as a standard feature. The basement of the model is finished and even boasts a five-piece bathroom. The space is bright with over-size-windows – another of Fusion’s elevated standards. Indeed, the Pavillion II illustrates the type of new-home excellence that helped earn Fusion Homes the honour of Tarion Ontario Builder of the Year for 2013 – the first builder to win the prestigious award for customer satisfaction four times.

Fusion Homes recently released a second phase of its townhomes collection. These upscale townhomes are larger than most, ranging from 1,680 to 2,535 sq. ft. With the same emphasis on maximizing the space and light, these designs hardly seem like towns at all, especially with the spacious backyard. Visit the sales centre to learn about compelling bonuses for townhome buyers. The single-detached homes at River Ridge start at $499,900, with towns starting from $339,900. The model home is open Monday to Wednesday, from 2 to 7 p.m., Saturday and Sunday from noon to 5 p.m. The model is located at 18 Eaglecest St., on the corner of Falconridge Drive. For more information, call 519.894.5100 or visit fusionhomes.com oct 26 - nov 9, 2013 | New home & condo guide SWO 27

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Only 8 homes remaining! A MASTER DESIGNED collection of bungalow townhomes, featuring Guelph's most stunning ravine views. STARTING FROM $443,700.

Prices & specifications subject to change without notice. E. & O.E.

Woodlawn

SPEEDVALE

METICULOUSLY CRAFTED BUNGALOW TOWNHOMES

VICTORIA

WOOLWICH

www.fusionhomes.com

GUELPH

PRIVADA Sales Centre

Visit our Model Home: Mon-Wed: 2pm - 7pm Sat-Sun: 12pm - 5pm 19 Simmonds Drive, Unit 42 Guelph, Ontario t: 519-836-9777 e: bmegna@fusionhomes.com

28 NEW HOME & CONDO GUIDE SWO | OCT 26 - NOV 9, 2013

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COMING SOON

TO BEAUTIFUL HISTORIC FERGUS

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··Open-concept·layouts ··Spacious·kitchens·&·living·rooms ··Impressive·ensuites ··High-end·fixtures·and·finishes ··Inviting·exteriors

Starting from the $270,000’s*

COMING NOV. 9TH Register Now!

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PRESENTATION CENTRE HOURS: Mon., Thurs., Fri. 1 - 7pm Sat. - Sun. 12 - 5pm wh@heritagehomes.com Under 60 min. to: Mississauga Burlington Oakville Hamilton

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Fergus

The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. Renderings are artist’s concept of the completed buildings and are subject to change. *Prices subject to change. E. & O. E.

reidsheritagehomes.com

USAGE

OPTIONS AVAILABLE

COLOUR SPECS

x029-Reids-Westminster PANTONE Highlands 10-26-13.indd

10/23/13 11:20 AM

expertadvice

Tips and advice for selecting a new-home builder by Karen Kessel Buying a new home is a big decision, but it doesn’t have to

be a difficult one. Preparing yourself and doing your homework is the key to being able to make this important decision with total confidence. Before you sign on the dotted line, use the following tips and advice to assist you through the process. 1| Where and what to buy: There is a vast array of new communities and new condominiums to choose from, so first make the decision on where you want to live and the type of home that best fits your lifestyle. Check out prices and stay on budget with what you can afford, as you may want to buy that new couch or kitchen table when you move in. Once you have decided on the community location, home design and price, you now need to roll up your sleeves and do your research to find the right builder for your dream home. 2| Builder reputation: In my professional opinion, this is one of the most important items to consider with the biggest investment you will make in your life. When speaking with the sales representative at the sales office, ask questions and get answers to things that are important to you. How long has the builder been in business? Are they a small local builder or large development company? How many homes do they build annually? What is their background and experience? What do their customers say about them? Stop and ask the construction workers building the new homes – would they buy a home from this builder? What is the builder’s after sales service program like? Are there hidden costs? Don’t rush your decision, as you may want to go back two or three times to ensure that you feel comfortable with the builder you are selecting. 3| Tarion: In Ontario, all new home and condominium builders must register with Tarion. Tarion is a private corporation which was established in 1976 to protect the rights of new-home buyers and regulate new-home builders. They basically administer the Ontario New Home Warranties Plan Act, which outlines the warranty protection that new-home purchasers are entitled to in Ontario. This program protects consumers when builders fail to fulfil their warranty obligations. They assist and resolve disputes about warranty coverage, investigate illegal building practices and promote high

In my professional opinion, this is one of the most important items to consider with the biggest investment you will make in your life.

Karen Kessel is the Broker of Record of Planet Realty Inc., located in Guelph. She brings more than 25 years of experience in the sales and marketing of homes and condominiums across Ontario. She can be reached at karen@planetrealty.ca or visit planetrealty.ca

standards of new home construction. Contact Tarion at tarion.com and see if the builder you are considering has a good record for its building practices. 4| Quality and workmanship: All builders will provide you with a list of their features and finishes. Most will offer model homes and suites for you to view. This is an excellent opportunity to touch and feel for yourself. Get an understanding as to what is a standard finish and what is upgraded. Take the time to sit in the living room or kitchen and see if the space is functional for living. Check out the appliances, open doors and drawers. Is this home environmentally friendly? Are materials used to construct this home going to save you money on your heating and cooling bills, as well as improve good indoor air quality? So much to review and consider. 5| Customer satisfaction: The best way to check out a builder is to talk to people who live in the community or condominium building you are interested in. Ask them if they are happy with their new home and their experience buying from the builder. How quickly were issues resolved, and if they were resolved, did it meet their satisfaction?. Having worked with a number of home and condominium developers in my career, here’s the best story I can share with you: a woman who downsized from a large home and purchased a new condominium. A big lifestyle change. She advised me that when she conducted her Pre-Delivery Inspection, there wasn’t a single defect, and on moving day when she opened the door to her new condo, it had been completely cleaned with a gift basket waiting for her on the counter – a thank you from the builder! Now that is satisfaction!

30 New home & condo guide SWO | oct 26 - nov 9, 2013

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hamilton halton niagara

New Home

watch

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

preview registration Dicenzo homes Stoney Creek | Blue Shores Waterside semis and singles from the mid $300’s. blueshores.info branthaven homes Waterdown | Bohemian Towns Coming soon – towns from the $270’s. branthaven.com COUNTRYGREEN homes Waterdown | Uptowns of Waterdown Coming soon – urban two- and three-storey back-to-backs, traditional and executive towns priced from $264,900. countrygreenhomes.com kingwood homes Paris | Village on the Grand Register now for riverfront townhomes in historic downtown Paris, from the $230’s. villageonthegrand.ca rosehaven homes/Homes by Desantis/CDI developments Ancaster | Tiffany Hill Phase II coming early 2014 – freehold townhomes and 36- and 45-ft. detached. tiffanyhill.ca rosehaven homes/ homes by desantis Stoney Creek | On the Ridge Coming early 2014 – semis, 35- and 40-ft. singles. liveontheridge.ca ADI Development Oakville | Link Condos + Towns Register now for this modern condo community on Dundas at Sutton, adjacent to Bronte Provincial Park. adidevelopments.com forest park homes Fonthill | The Village Landing Pre-register for Fonthill’s newest community – single-family homes and village homes. thevillagelanding.com TOBYN park homes Stoney Creek | Stoneywood Park Coming spring 2014 – detached homes and townhomes, on-site greenspace, easy access to highways, conservation area and other amenities. stoneywoodpark.com

Ancaster Beamsville Binbrook Brant Brantford Burlington Catharines Grimsby Hamilton Milton

rosehaven homes Mount Albert | Victoria Highlands Coming November 2013 – 50-ft. detached singles. rosehaveninmountalbert.com new horizon homes Bronte | Harvest Coming soon – register now for these luxury freehold townhomes backing onto Bronte Provincial Park. newhorizonhomes.ca new horizon homes Oakville | Mint Condominiums Coming soon – living well for less in Oakville, condos at Bronte and Dundas from the mid $200’s. newhorizonhomes.ca spallacci homes Hamilton | Eden Park Coming soon – Simona Place The Towns of Eden Park Exquisite collection of executive townhomes. spallaccihomes.com spallacci homes Hamilton | 101 Locke Condos Register now – Boutique condo living is coming to Hamilton’s hip Locke Street. spallaccihomes.com schuit homes Ancaster | Perth Park Exclusive community of residences fronting landscaped parkland onto a ravine setting. schuithomes.com Molinaro Group Burlington | Paradigm The new Burlington opens soon – a new standard of condo living from the $200’s. paradigmcondos.ca

new openings

Empire communities Niagara Falls | Imagine Now open – master-planned community of towns and detached homes in heart of Niagara. empirecommunities.com

Niagara Oakville Paris Port Dover St. Catharines Stoney Creek Vineland

phelps homes Grimsby | The Bedford Collection Model home now open at this private enclave of 28 bungalows a short walk from downtown Grimsby. bedfordcollection.ca mountainview homes Fonthill | The Residences at Lookout Second phase now open – new bungalow collection on 50-ft. lots. mountainview.com bucci homes Grimsby | Bliss Two-storey freehold executive towns located near 50 Point Conservation Area, priced from the mid $260’s. buccihomes.com Augustine Group Stoney Creek | Treviso Select suites still available at this condominium in downtown Stoney Creek – including corner units and penthouses. trevisostoneycreek.ca

new releases

Rosehaven homes Chippawa | Lyon’s Creek Coming soon – model homes plus new release of 50-ft. detached lots. rosehavenhomes.com spallacci homes Hamilton | Eden Park Phase 4 release of exceptional 32and 40-ft. lots. spallaccihomes.com Emery condominiums Burlington | Appleby Club Limited release of Country Club Condominiums at Appleby and Dundas. applebyclub.com

spallacci homes Hamilton | Eden Park Grand Opening of Chateau-inspired semis collection. spallaccihomes.com

oct 26 - nov 9, 2013 | New home & condo guide SWO 31

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Paris

Port Dover

Binbrook

Grimsby

Georgetown

Caledon

Smithville

OAKVILLE, BURLINGTON, HAMILTON, ANCASTER, PARIS, BRANTFORD, STONEY CREEK, VINELAND, LINCOLN, THOROLD, FONTHILL, NIAGARA, NIAGARA-ON-THE-LAKE, FORT ERIE

Halton / Hamilton / Wentworth / Niagara:

Thorold

Welland

Fonthill

Ridgeway

Stevensville

Chippawa

Fort Erie

De t. Se m Bu i ng To alo wn w h Ad ome u l /C t L on ife do sty le

SITES

PRICES PAGE

Ancaster

DAWN VICTORIA HOMES

Evergreens on Southcote

•

from low $400's

Ancaster

LOSANI HOMES

Ancaster Glen

•

• •

from the $300's

Ancaster

ROSEHAVEN HOMES

Tiffany Hill

•

from $480's

Ancaster

SCHUIT HOMES

Perth Park

•

Beamsville

HOMES BY DESANTIS

Lincoln Square

• •

from $264,900

Binbrook

BRANTHAVEN HOMES

Celebration

•

from $254,990

Brantford

EMPIRE COMMUNITIES

Wyndfield

• • from $209,990 2&3

Burlington

ADI DEVELOPMENT GROUP

Link Condos + Towns

•

from the $170's

Burlington

EMERY CONDOMINIUMS

Appleby Club

•

from $219,900

Burlington

MOLINARO GROUP

Paradigm

•

from the $200's

Burlington

ROMAN HOME BUILDERS

Seasons Condominiums

•

Caledon

MONARCH

The Village of SouthFields • • from high $300's 48&49

Chippawa

ROSEHAVEN/HOMES BY DESANTIS Lyon's Creek

Grimsby

BUCCI HOMES

Bliss • from mid $260's 41

Grimsby

BRANTHAVEN HOMES

Wave • from $174,990

Hamilton

EMPIRE COMMUNITIES

Summerlea

Hamilton

MULTI-AREA DEVELOPMENTS Bellagio Village

• • from the $280's 63

Hamilton

SPALLACCI

Eden Park

•

Lake Simcoe

AUGUSTINE GROUP

Crates Landing •

Niagara

EMPIRE COMMUNITIES

Imagine •

from $209,990

2&3

Niagara, Fonthill

FOREST PARK HOMES

The Village Landing

• •

from $249,900

Niagara on the Lake BW HOMES

Niagara on the Green

• • •

from mid $200's

Oakville

MENKES

Millstone • from $309,990

Oakville

NEW HORIZON

Mint Condominiums • from mid $200's 45

Paris

KINGWOOD HOMES

Village on the Grand

•

from the $230's

Port Dalhousie

AUGUSTINE GROUP CORP.

Port Place

•

from $297,990

Smithville

PHELPS HOMES

Brookside on the Twenty

• •

Smithville

PHELPS HOMES

Harvest Heights

Smithville

PHELPS HOMES

St. Catharines

from low $300's 43&55

• • from $247,990 2&3

• •

from low $300's

from low $400's

5 34

• from mid $200's

•

• from the $270's

Streamside on the Twenty

•

BW HOMES

Victoria Village

• from $289,900

St. Catharines

COSMOPOLITAN HOMES

Vintner Estates

• • from $259,990

Stevensville

PARK LANE HOME BUILDERS Village Creek

• •

Stoney Creek

AUGUSTINE GROUP CORP.

Treviso • from $249,900

Stoney Creek

BRANTHAVEN HOMES

Paramount

• • from $284,990

Stoney Creek

DICENZO HOMES

Blue Shores

•

Stoney Creek

EMPIRE COMMUNITIES

Victory

• • from $284,990 2&3

Stoney Creek

ROSEHAVEN

On The Ridge

• •

Thorold

GREAT GULF

Rolling Meadows/Edgewood • from $299,990 78&79

Thorold

ROSEHAVEN HOMES

Gibson Heights

• • from the $250's 55

Waterdown

COUNTRY GREEN HOMES

The Uptowns of Waterdown

• from mid $200's

•

from mid $300's

•

from $245,000

from mid $300's

OAKVILLE, BURLINGTON, HAMILTON, ANCASTER, PARIS, BRANTFORD, STONEY CREEK, VINELAND, LINCOLN, THOROLD, FONTHILL, NIAGARA, NIAGARA-ON-THE-LAKE, FORT ERIE

• • •

Halton / Hamilton / Wentworth / Niagara:

Port Dover

LOCATION BUILDERS

032-033-SW Map-Hamilton.indd 33

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34 NEW HOME & CONDO GUIDE SWO | OCT 26 - NOV 9, 2013

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OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 35

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ONE YEARLIP TS FREE BOAAGE & STOR 00 $5,0 APPROX. VALUE*

CONSTRUCTION STARTING SOON DROP IN & TOUR OUR ALEX-CHAPMAN DESIGNED MODEL SUITES TODAY.

Whether you’ve lived in Port Dalhousie for much of your life… or whether you’ve always wanted to live in this kind of waterfront location, Port Place offers you a once-in-a-lifetime opportunity to enjoy a carefree condominium lifestyle like no other!

STARTING FROM

$297,990

ST. CATHARINES

SPECIAL LIMITED-TIME BONUS OFFER: Reduced prices for next 20 4 purchasers only.

PORTPLACECONDOS.COM

905.937.5811

Sales Centre Hours: Monday to Friday: 1pm to 7pm, Saturday & Sunday: 11am to 5pm *For a limited time only, the Port Dalhousie Marina is offering a special bonus for boaters with ONE YEAR’S FREE BOAT SLIP & STORAGE – valued at $5,000 – to purchasers at Port Place who wish to berth their pleasure boat just steps from their new home. Talk to a Sales Rep for complete details. Prices and specifications are subject to change without notice. E.&O.E.

AUGU-POR-A-AD-NHC-SW-JULY16-2.indd 1 036-Augustine-Port Place 07-20-13.indd 36

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NIAGARA REAL ESTATE CENTRE, BROKERAGE

037-Forest Park-Village Landing 10-12-13.indd 37

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communityfocus

The “New Burlington” arrives this fall in Midtown

location Burlington sales centre Condominium contact paradigmcondos.ca

he Molinaro Group, Burlington’s most accomplished condominium developer, will introduce a new landmark condo this fall that will represent “The New Burlington” for what MoneySense magazine has called Canada’s number one mid-sized community. Paradigm is a distinctive master-planned, multi-building luxury residence, located south of the QEW on Fairview Street. By definition, Paradigm will usher in a new standard of excellence in condo living and transform mid-town Burlington into the city’s most sought-after locale. Paradigm is just steps away from GO Transit and minutes to the vibrant downtown, offering easy access to all of life’s necessities and conveniences including shopping, dining and recreation. Its architecture is dramatic and its list of luxury amenities is impressive, including an elegant Porte-Cochère, offering a grand entrance for residents; a breathtaking year-round swimming pool that includes a hot tub, all of which is surrounded by two-storey windows providing a sky-filled vista; a fully equipped fitness studio, which includes a

38 New home & condo guide SWO | oct 26 - nov 9, 2013

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MOLINARO GROUP

Paradigm

Its architecture is dramatic and its list of luxury amenities is impressive, including an elegant Porte-Cochère, offering a grand entrance for residents; a breathtaking year-round swimming pool that includes a hot tub, all of which is surrounded by two-storey windows providing a sky-filled vista; a fully equipped fitness studio, which includes a professional-style basketball court. professional-style basketball court. Paradigm also includes a sophisticated rooftop lounge where residents will enjoy panoramic views of downtown Burlington, Lake Ontario and the Niagara Escarpment. All of these amenities and more are available to residents who will choose from an exciting selection of intelligently designed, well-appointed, LEED certified

one- and two-bedroom suites priced from the low $200’s, each of which includes a private balcony or terrace. Interest in paradigm is growing quickly, says Linda Davies, whose company is the sales arm of Molinaro and Paradigm. “From the many emails, online registrations and even phone calls, we are confident that buyers can’t wait for the VIP Preview Buying Events to begin at the Presentation Centre on Fairview Street,” she says. The Molinaro Group has been instrumental in the evolution of Burlington, from its origin as a charming town to its current status as a dynamic, growing, and ideally situated city. As a forward thinking organization, The Molinaro Group has continually invested in the city they call home. “Paradigm is part of our ongoing commitment to this great city. And it’s certainly one of our most exciting projects because it will bring a new energy and a new lifestyle opportunity to midtown,” says Vince Molinaro, president. For more information on Paradigm, or to register for upcoming Preview Buying opportunities, visit paradigmcondos.ca

oct 26 - nov 9, 2013 | New home & condo guide SWO 39

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THE NEW BURLINGTON

OPENS SOON

Burlington’s New Standard of Condo Living from the $200’s. The New Burlington is Paradigm. Paradigm is luxurious and inviting. You are invited to experience it live and in person. EXCLUSIVELY FROM 40

040-Molinaro-Paradigm 10-26-13.indd 40

South of the QEW on Fairview @ Brant

BOOK NO

S.CA O D N O C RADIGM

10/23/13 11:20 AM

Visit our 2 Model Homes & Sales Centre in Grimsby

E X E C U T I V E L A K E S I D E TOW N S

2-Storey Freehold Executive Towns Priced from the mid

260’S

Up to 1,615 sq ft.

Pre-construction BONUS $5000 In designer dollars & receive a $2,000 appliance credit* Choose from: Granite Countertops, Hardwood, Upgraded Cabinets, Gas Fireplace, Oak or Maple Staircase...And more!

*Limited time offer subject to change without notice E&O.E

Lake Ontario Grimsby Beach

Olive St.

N Service Roa

Lake St. N Service Road

King Stree t

Ontario St.

H Main Street

Barlett Ave.

GRIMSBY

Christie St.

To Toronto

To Niagara

Located near 50 Point Conservation Area

QEW to Bartlett Street exit, north to Lake Street Monday – Thursday 2-7pm, Friday by appointment, Saturday & Sunday 12-6pm

Town living has never been this good! Kathie Pillar, Sales Representative buccihomes@bellnet.ca • www.buccihomes.com • Toll Free: 1-800-290-0163 • Site: 905-945-1656

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Live the Niagara

the Welland - rosehaven homes

LifestyLe

Come tour our

7 model homes today!

Get more out of life when you own at Lyon’s Creek in the fabulous Niagara region with so much to see and do. Tour the wineries, visit the sights, golf, boat, hike and more. You’ll wonder why you didn’t move to Lyon’s Creek sooner.

Mann St.

NIAGARA RIVER

St. Main P o

Sodom Rd.

s Lyonk Rd. Cree

To Falls

Marineland Pkwy

Chippawa McLeod Rd.

rta

MODELS & PRESENTATION CENTRES

Fort Erie

the Berkshire - homes by desantis

50’ & 45’ Detached, Semis & Townes starting from the mid $200’s. Visit us online to see our fabulous two-storey and bungalow/bungalow loft designs at LyonsCreekChippawa.com sales offiCe hours:

mon - Wed: 2pm - 7pm; sat, sun & hol. 12pm - 5pm

homesbydesantis.com

Presentation Centres and Model Homes on Mann St. off Sodom Rd. just south of Lyon’s Creek Rd.

LyonsCreekChippawa.com Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

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buildingblocks

Securing the best mortgage FOR YOUR FIRST HOME by Jeff Paikin Securing your first mortgage is truly one of life’s

milestones. Being able to carry a six-figure loan indicates that you have achieved well-regarded levels of prosperity and responsibility. Before you apply for a mortgage, there are a number of measures first-time and seasoned buyers alike can take to ensure they qualify for the best mortgage possible. Keep in mind that reducing your mortgage rate by just one per cent can save you thousands of dollars over the life of your mortgage. The primary focus for all prospective buyers should be to exhibit an ability to manage their personal finances within your current income environment. Mortgage lenders look at your debt-to-income (DTI) ratio to determine how much you can afford to borrow. This ratio is calculated by dividing your monthly gross income by the amount you use to pay off debts such as auto loans, student loans and credit card balances each month. Lending institutions rely on your credit score – a three-digit number that reflects the history and amounts of credit, and anything else that would affect your creditworthiness. Using this formula, lenders feel they can predict with considerable accuracy how comfortably a borrower can carry the mortgage. You should never apply for a mortgage without first getting your credit reports. The primary reason is to ensure there aren’t any errors or discrepancies. Errors on your file can force you to pay a higher interest rate on your mortgage and in some cases even torpedo your chances of getting a loan altogether. You could discover accounts that aren’t even yours, or collection accounts for debts you no longer owe. Once you’ve confirmed the accuracy of your credit report, you can now begin to take steps to improve your credit score in the months leading up to your purchase. Thirty-five percent of your score is determined by your payment history. Consistently being late on your credit card payments will significantly hurt your rating. Do your best to keep the balance on your credit cards under a quarter of the total line of credit. At the very least, pay your credit card bills on time to preserve a respectable score. If possible, pay off the balance entirely and promptly. Don’t close the credit card accounts when you pay them off, however. Closing credit accounts can negatively effect on your credit score. The second most important part of your credit score is your level of debt. You should look to pay down student or car loans that may be keeping your score down. Mortgage advisors will always encourage first-time buyers to limit their major purchases on credit until after they’ve secured their mortgage. You might want to push back that new car until after you’ve bought your first home! As a

Jeff Paikin (Past President of HHHBA) has been in the building industry for more than 20 years. As President and CEO of New Horizon Development Group (Builders of the inaugural CHBA Green Home of the Year), there isn’t much in the housing world he hasn’t seen. Jeff will provide regular insight and perspective of what’s going on in today’s market and what buyers should be aware of as they prepare to make a purchase. He can be reached at info@newhorizonhomes.ca

first-time homebuyer, extending your unsecured credit to the maximum by buying one or more new cars before you get your first mortgage will almost always force you to remain a renter, and have you paying someone else’s mortgage for years to come. Don’t apply for more credit than you need, as too many accounts can hurt your mortgage application. Young professionals who’ve been renting or living with parents and don’t have a credit history might benefit from having utilities in your own name. It won’t establish a credit score, but it can still be helpful for a first-time borrower. The best thing you can do is to get a credit card and use it with the utmost prudence. Using it in place of money, then using that cash to make your monthly payments can go a long way to helping you build credit. It takes time and there are really no shortcuts or tricks that can take you from bad credit or no credit at all to a high score. So, while it is important to establish credit, it is even more important to take the time to do the right things to maintain good credit. Securing a good mortgage doesn’t have to be burdensome or disheartening. If you take the necessary steps to tidy up your financial affairs, you will find all aspects of homeownership, not just your mortgage, to be relaxing and rewarding. Happy hunting.

44 New home & condo guide SWO | oct 26 - nov 9, 2013

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22.pdf

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12:12 PM

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tarionreport

Making your opinion count as a

new-home buyer

Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.

by howard bogach

It’s time for Tarion’s annual

customer satisfaction survey. If you bought a new home in the past year, now’s your chance to tell Tarion all about your home buying experience. Ever y fall, Tarion sends customer satisfaction surveys to approximately 40,000 homeowners. We’re looking for feedback on your builder’s customer service and your experience with Tarion. You’ll be asked questions about most stages of the homeowner-builder relationship beginning with the signing of the agreement of purchase and sale, through to construction, the pre-delivery inspection, and finally your builder’s after-sales service. You’ll also be asked about your interactions with Tarion. Your feedback is important to us and helps shape the way we do business. For example, last year’s survey showed us that homeowners who used our online warranty service, MyHome, had a significantly higher level of satisfaction with Tarion than those who didn’t manage their warranty through MyHome. This kind of information tells us we’re on the right track with our enhanced MyHome initiatives and lets us know that the changes we’re making are providing a better homeownership experience. Your feedback also helps us educate builders, letting them know what they are doing right, or where improvements can be made. Once the survey results are tabulated, Tarion sends qualified builders a copy of their individual results (without identifying the participants, of course). We also provide builders with the average results of their category. (Builders are grouped into small, medium, large and highrise categories.) So not only do builders get a true indication of

what their buyers think of their service, they also get to see how they measure up against their peers. The new home marketplace is highly competitive and I can assure you that most builders give a lot of weight to their survey results and use them to evaluate and improve on their customer service practices. Survey results are also used to determine finalists and recipients of the Tarion Awards of Excellence. The Awards of Excellence are the only awards in the province that recognize builders solely on the basis of their customer service. And they are judged by the people whose opinions matter most – yours. For Ontario home builders, good customer service means going above and beyond to make sure buyers have the best new homeownership experience possible, and that’s why we want to hear from you. By taking 10 minutes out of your day to complete a survey, you can tell us about your homebuying experience and influence whether your builder should be recognized for their customer service. Happy, satisfied homeowners are the best indicator of good customer service. As the regulator, I was heartened to hear some of the 2012 award recipients’ approaches to customer service. One of them told us that their buyers are not just customers, but also their neighbours. Providing open communication and top notch customer service is always a priority. Another recipient told us that their key to success is their availability to buyers on site, after hours and on weekends to answer questions, not only at the time of purchase, but long after homeowners move in. We know that good customer service can mean the difference between a positive homebuying experience, and one filled with headaches. We also know that building a home is not a perfect science. New homes can be constructed in a harsh climate and are susceptible to human error, so it isn’t uncommon for a new home to need repairs after its owners move in. Most homeowners have realistic expectations and know that repairs are often a part of the new-home ownership process. We usually see about 50 per cent of new-home owners submitting 30-Day Tarion Warranty forms. But our actual claim numbers are much, much lower, because builders who take customer service seriously will fix any warranted items in a timely manner, which results in happy homeowners. That’s not only good customer service, it’s good business sense. Builders who respond to their homeowners’ concerns understand how important their reputation is and often find themselves with repeat buyers and positive referrals. So, if you have taken possession of a new home in the past year, look for the Tarion survey arriving in your mailbox or inbox this month. Your opinion counts and we’re ready and waiting for your feedback!

46 New home & condo guide SWO | oct 26 - nov 9, 2013

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Where style meets function. COME TOUR OUR 2 NEWLY DECORATED MODEL HOMES. NOW OPEN. Custom bungalow, bungaloft and 2-storey home designs on 42’ & 50’ lots. Fifty-seven homes are only minutes from olde Ancaster and its shops and boutiques, while new adventures in the city or country await. Designed for you, your family, your life – everything you’ll ever need.

403

SOUTHCOTE RD

FROM THE LOW

GARNER RD E

The Effort Trust Company, Brokerage

$400s

Ancaster 905-304-6099 Sales Office Hours Mon – Thurs 1pm – 6pm Sat & Sun 12pm – 5pm Friday by appointment Maureen Hall, Sales Representative Darlene McCauley, Broker

DAWNVICTORIAHOMES.COM OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 47

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It’s never been a better time to buy a Monarch home. Enjoy incredible buyer incentives at all of our communities, and make your dreams of a new home come true today. THE ONE YOU’VE BEEN WAITING FOR.

MONARCHGROUP.NET 48

MONH 22514 SF CAL NH&C SWO DPS Oct 13.indd All Pages 048-049-Monarch 10-26-13.indd 48

10/23/13 11:43 AM

5 MODEL HOMES TO VIEW 43' SINGLES up to 3,971 sq. ft. from the high $500,000’s Bonus package valued up to $15,000

Kennedy Rd.

SALES CENTRE Hwy. 410

Mayfield Rd.

Heart Lake Rd.

Waterville Way

Hwy. 410

Enjoy incredible buyer incentives at The Village of SouthFields, with limited time packages available for both 43' Singles and Two-Storey Townhomes. Visit our Sales Centre for more details on these incredible incentives.

Old School Rd.

Kennedy Rd.

ONE MORE REASON TO CALL SOUTHFIELDS HOME. EXCEPTIONAL INCENTIVES.

Hurontario St./ Hwy. 10

THE VILLAGE OF SOUTHFIELDS. AN ESTABLISHED COMMUNITY. AN EXCEPTIONAL OFFERING.

SALES CENTRE: Waterville Way, Caledon 905.843.0707 Mon. – Thurs. 1pm – 8pm Fri. 12pm – 5pm Weekends & Holidays 11am – 6pm

TWO-STOREY TOWNS up to 1,954* sq. ft. from the high $300,000’s Bonus package valued up to $20,000**

Like us on:

facebook/monarchcorp

twitter @monarch_group

MONARCHGROUP.NET Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes finished space in lower level. ** On select lots only. E.&O.E. October 2013. 22514.

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communityfocus

Blue Shores models introduce gracious luxury to waterfront community

ne of the most successful new communities of the year, Blue Shores by DiCenzo Homes, is now opening the door of two new model homes, showcasing a level of style and design to rival those of the areaâ&#x20AC;&#x2122;s nearby estate homes. At Blue Shores, youâ&#x20AC;&#x2122;ll find one of the last opportunities to enjoy waterside living in this idyllic location near the Stoney Creek lakeshore. Blue Shores is a collection of luxury singles, semis and townhouses of impeccable design. The singles, created by award-winning architect William Hicks, have introduced Oakville-inspired architecture to the Hamilton area with stately facades and innovative floorplans, and standard features that far exceed those offered in the present marketplace. The detached homes facing Lake Ontario on 50-ft. lots have been designed with chateaulike facades and custom home features such as second floor balconies with direct views to the Lake and covered rear patios. That same approach to design, melding luxury and value, has often been cited as one of the primary reasons for the remarkable success seen in the sale of the 60 semis and 30 towns within Blue Shores. When speaking to Anthony DiCenzo,

location Stoney Creek housing type Townhomes, semis and single-detached homes sales centre 89 Galileo Dr., Hamilton, east of Fruitland and the North Service Rd., open Monday to Thursday, 2 to 6 p.m., Saturday and Sunday noon to 5 p.m., Friday by appointment contact 905.643.1693 | blueshores.info

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president of DiCenzo Homes, his pride in the designs is unmistakable: “Each of our designs is the product of hours of painstaking attention to detail and originality. I can honestly say that you’re not going to see anything like these homes anywhere else in the marketplace.” This blended community addresses a variety of needs and lifestyles – from professionals and singles to families and empty-nesters. Floorplans offer everything from conventional townhome designs, to bungalow lofts with main floor master suites, to semi-detached homes with private yards and up to four bedrooms, and Blue Shores’ new offering of luxury singlefamily homes. The new models now opened at Blue Shores will showcase the features of all these various homes. The Acqua has been outfitted with more “standard” finishes to highlight to buyers the included features often only found in much higher priced homes; features such as nine-ft. ceilings on the main floor, a curving staircase, coffered and vaulted ceilings, designer cabinetry and a master ensuite with a frameless shower. A few upgrades such as the backsplash, granite counters and a vertical strip of shimmering mini subway tile in the master shower add a punch of drama. Next door, the Sabbia has been dressed up and furnished to showcase the limitless potential of the home, with porcelain tile throughout the main level, wide plank hardwood in the family and dining area, e x tensive l ig ht i ng a nd plu mbi ng enhancements, upgraded cabinets and countertops, and other touches that add luxury and subtle style. It is truly a marvel of design to behold.

Floorplans offer everything from conventional townhome designs, to bungalow lofts with main floor master suites, to semidetached homes with private yards and up to four bedrooms, and Blue Shores’ new offering of luxury single-family homes.

DICENZO HOMES

Blue Shores on the Waterfront

Both homes are 1,640 sq. ft. and illustrate that there is no shortage on space, with both accommodating three spacious second floor bedrooms (with an optional four-bedroom plan), master bedroom ensuites, generous closets and a second floor laundry. Prices for the semis start at $342,900, and only a few townhomes remain with prices from $320,850. The singles start from $699,900. Pre-construction bonus packages named Live…, Love…, and Play…. offer a choice of free upgrades depending on whether you want the essential must-haves such as appliances, alarm system, central vac or central air; gotta-haves such as a fireplace and additional potlights; and wants such as home automation and home theatre. Plus, every buyer receives 24 months of free alarm monitoring and 12 months of Cogeco digital/HD cable, internet and phone. Blue Shores is within easy reach of the charm of downtown Stoney Creek. Located along Cope’s Lane between Fruitland Road and Fifty Road, this panoramic setting offers easy access to nearby trails, waterfront parks and marinas. Nearby, the Niagara Escarpment, Bruce Trail and Niagara Region Wine Country are other well-known neighbours. Convenient access to the QEW also makes it a smart choice for commuters. For more information, call 905.643.1693 or visit blueshores.info oct 26 - nov 9, 2013 | New home & condo guide SWO 51

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Waterside Living Perfected

Let Your Imagination Come To Life

Waterside Semis and Singles from the MID

$300’s

www.BlueShores.info Lake Ontario COPES LN

COPES LN

SITE

Niagara Escarpment

BARTON ST

Open

JONES RD

Mon -Thur 2-7pm Sat & Sun 12-5pm #8 FRUITLAND

FIFTY RD

BARTON ST

FIFTY RD

QEW

JONES RD

89 Galileo Dr. Stoney Creek 905-643-1693

FRUITLAND

Sales Centre at

SITE

QEW

Niagara Escarpment

52 NEW HOME & CONDO GUIDE SWO | OCT 26 - NOV 9, 2013

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TREVISO Condominiums

• • • • • • •

A contemporary 7-storey building Architectural facade of stone, brick and stucco Elegant, carefree living at an aﬀordable price A stunning array of suite designs,to select from An established neighbourhood Easy walking distance to shopping Close to highways and public transit On e & T w o B e dro om S u i t e s , M a n y w i t h Dens

Starting from

905-662-6666 • trevisostoneycreek.ca *Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E.

GRAN-TRE-A-AD-NHC-SW-MAY8-3.indd 1 053-Augustine-Treviso 05-11-13.indd 53

QEW

Hwy. 8

Barton St. E. Green Rd.

PRESENTATION CENTRE 319 Hwy #8 (Across from St. Francis Church) Open Saturday and Sunday 12-5pm

Lake Ontario

Lake Ave.

TREVISO

STONEY CREEK Centennial Pkwy.

249,900

Red Hill Valley P kwy.

BUY NOW IN MOVE Y EARL 2015

SE L E C T S U I T E S S T I L L A V A I L A B L E

Stoney Creek’s premier condominium is now over 50% SOLD but a fabulous choice still remains, including spacious penthouses and spectacular corner suites!

ONLY 5% DOWN*

BUY NOW MOVE IN EARLY 2015

CONSTRUCTION STARTING!

Artists concept.

St. King

Queenston Rd.

13-05-08 3:57 PM 10/23/13 11:20 AM

COME ENJOY THE ORIGINAL SPRING FRESH SCENT IN SMITHVILLE.

Live the good life on up to 60’ lots in wine country. It seems like small towns have become big towns. Big towns are small cities. What if you could have the best of both worlds, and live just minutes from everything, yet wake up to the sound of, well, nothing. We’re talking beautifully crafted homes surrounded by wine country and farmers’ markets. Instead of traffic jams you’ll have conservation areas, bike trails and homemade pies just a hop, skip and a jump away. Starting to sound pretty good isn’t it?

BURLINGTON

EXIT AT CHRISTIE STREET

HAMILTON

GRIMSBY 20

DETACHED AND BUNGALOW TOWNHOMES ON UP TO 50’ LOTS STARTING IN THE MID $200s

Prices subject to change without notice. E.&O.E.

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DETACHED AND SEMI-DETACHED HOMES ON 50’ LOTS STARTING IN THE $270s

NIAGARA

SMITHVILLE

BUNGALOW AND TWO-STOREY HOMES ON 50’ & 60’ LOTS STARTING IN THE MID $300s

1.877.526.5451 | PhelpsHomes.com

10/23/13 11:20 AM

current communities Chippawa/Niagara 50’ Singles & 35’ WIDE Bungalow Loft Townes from the the $310’s Sodom Rd. & Mann St. 6 Models Now opeN

Thorold 45’, 40’, 36’ Singles, Semis, Attached Singles & Towns from the $250’s Move in this Summer on Select Towns & Attached Singles Richmond St. & Winterberry Blvd. 8 Models opeN

coming soon SToNey Creek 40’ & 35’ Singles and Semis Mud St. & Upper Centennial Pkwy. CoMiNg early 2014 register at liveontheridge.ca

aNCaSTer - phaSe ii 45’ Singles and Introducing Freehold Towns Garner Rd. & Raymond Rd. CoMiNg 2014 register today at Tiffanyhill.ca

Also building communities in Waterdown, Oakville, Brampton, Kleinburg & Nobleton.

Call our hotline or visit us online for complete directions, hours, community information for all our projects:

rosehavenhomes.com (1-888 / 416) 410-0175

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands. OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 55

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cityfocus

Hamilton Still humming along by Wayne Karl

Hamilton at a glance Population

692,000, metro area Major post-secondary institutions

McMaster University, Brock University, Mohawk College Number of public and catholic schools

180

Major employers

Health services, manufacturing, government, education sectors Average home prices

june 2013: $387,456 june 2012: $361,464 Distance from Toronto

70 kilometres, 45 minutes

amilton may be only less than an hour’s drive west along the Queen Elizabeth Way, but it has long lived in the shadows of its big city neighbour Toronto. Long known as Steeltown, The Hammer and other less-thancomplementary monikers, Hamilton has undergone a fundamental transformation that has the city poised for long-term prosperity. For homebuyers considering purchasing in the area, there are good reasons to consider Hamilton. The city has been cited as among Canada’s most welcoming areas, particularly for first-time buyers. The Real Estate Investment Network, for example, has named Hamilton as the top real estate investment town in all of Ontario through to 2018. Continuing diversification of the city’s economy, coupled with increased accessibility provided by the transportation improvements, provides a strong economic base, the group says. In a few short years, Hamilton’s economy will be unrecognizable compared to past decades. In recent years, Hamilton has seen significant expansion in sectors such as health care and post-secondary education, offsetting a historical reliance on steel manufacturing. Indeed,

56 New home & condo guide SWO | oct 26 - nov 9, 2013

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Hamiltonâ&#x20AC;&#x2122;s economy today is much more diversified than the Hammer of old. Economic growth in Hamilton is strong. The Conference Board of Canada, in its Metropolitan Outlook â&#x20AC;&#x201C; Autumn 2012, cited the Hamilton-Burlington economy as the fastest growing in Ontario for 2012. In its outlook for Autumn 2013, the Board says Hamilton can expect growth of 1.3 per cent in 2013, as the city faces some challenges in manufacturing and in the services sector. Hamiltonâ&#x20AC;&#x2122;s gross domestic product (GDP) is being boosted by renewed demand for steel and growth in several other manufacturing industries. Housing demand in Hamilton is to remain stable through 2013, as improving economic conditions and higher net migration will support demand in the area, according to Canada Mortgage and Housing Corp. (CMHC). Gradual improvement in job and income growth during the latter part of this year, combined with modest price increases, should support Hamilton resale activity, CMHC says. The Hamilton census metropolitan area (CMA) is seeing something of a shift towards higher-density housing, while lowrise starts are seeing more concentration in surrounding communities. In the Hamilton CMA, the average new home price will be driven by compositional factors, CMHC says. In 2010, buyers were looking to purchase homes at the upper end of the price scale prior to the implementation of the HST. The surge in demand resulted in prices of new single-detached homes averaging more than $450,000. While the average price continued to be pulled upwards by some of the luxury homes in neighbouring Burlington, both the median and average new home prices are expected to rise modestly. Average home prices are also on the rise, to $387,456 in June 2013 from $361,464 in June 2012, according to the Canadian Real Estate Association. Non-residential projects underway in the region include major expansions in the health care sector, and millions of dollars spent on infrastructure improvements. A new rapid transit system is also being studied, which is expected to further benefit already improving inter-city travel. oct 26 - nov 9, 2013 | New home & condo guide SWO 57

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it is home to the Royal Botanical gardens, a major tourist attraction and signiﬁcant local and regional horticultural, education, conservation and scientiﬁc resource.

The city is working with Metrolinx, the provincial body responsible for expanding transit in the GTA and Hamilton area, and is awaiting a final recommendation for the project. Other recent significant industrial news includes Canada Bread’s new $100-million, 375,000-sq.-ft. bakery in the city’s industrial park in Glanbrook, replacing three smaller operations in Toronto. The project is to create 300 permanent jobs, as well as 120 construction and 31 seasonal positions. Columbian Chemical also recently announced a major expansion of carbon black production at its plant in Hamilton. Beyond these industrial expansions, Hamilton is also seeing a marked increase in other types of businesses moving into the downtown area. Much of the employment growth, in fact, is taking place in creative services, education, professional-scientific and health care. CMHC says job prospects are expected to continue to improve, and Hamilton will likely fare better than other Ontario markets due to its increasingly diverse base of industries, which keep the labour market more balanced. Thanks to billions of dollars in infrastructure improvements around and within the city, as well as expanded GO Train services, the “new” Hamilton is becoming more accessible as well as desirable. Buyers can acquire more affordable property here and commute to Toronto, or other neighbouring communities such as Burlington, Oakville or Mississauga. An emerging condominium market provides buyers with an even more affordable entry into Hamilton. Developers see this potential and a number of new projects are underway from all of Losani Homes, Empire Communities, Multi-Area Developments, New Horizon Homes, Spallacci Homes and Country Green Homes, with many aimed at first-time buyers and priced accordingly. Hamilton also has plenty going for it in terms of culture and entertainment. It is home to the Royal Botanical Gardens, a major tourist attraction and significant local and regional horticultural, education, conservation and scientific resource. The city is also home to the Art Gallery of Hamilton, Ontario’s third largest public gallery.

For sports enthusiasts, there’s the Hamilton Tiger Cats of the Canadian Football League. More recently, in 1996, the Hamilton Bulldogs of the American Hockey League came to town and play out of Copps Coliseum. Copps, located downtown, which also serves as a venue for concerts and other events. If living in the city is not exactly your favour, development is also leading to growth in adjacent areas such as Ancaster, Dundas, Flamborough, Glanbrook and Stoney Creek. Homes by DeSantis, Losani Homes, Branthaven Homes, Mattamy Homes, Rosehaven Homes and other builders all have communities under way in these towns.

58 New home & coNdo guide Swo | oct 26 - nov 9, 2013

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Canada poised to take advantage of U.S. recovery in 2014: CIBC CORPORATE CANADA HAS NEVER BEEN IN A BETTER POSITION

to capitalize on a U.S. economic recovery, CIBC World Markets Inc. reports in the latest Composite Indicator of Corporate Canada’s Strength. “While it is widely expected that stronger growth in the U.S. next year will have an upside benefit for Canada, what might surprise many is how quickly and significantly corporate Canada will ramp up spending to capitalize on the long awaited rebound in global demand,” says Benjamin Tal, deputy chief economist at CIBC. Using the bank’s Composite Indicator of Corporate Canada’s Strength, he finds that, while softening somewhat recently, the index is still hovering around an all-time high and is almost a full point above its long-term average. “That’s important since the higher the level of our index, the more responsive corporate Canada has been to a shift in U.S. demand.” Tal notes that, on average, a one-per-cent change in U.S. growth has led to a full three-percentage-point change in capital expenditures by Canadian corporations. However, during periods of high-index readings like we have currently, the same increase in U.S. demand has translated into a four-percentage-

point acceleration in capital spending by Canadian companies. “The response by corporate Canada is directly linked not only to the speed of the recovery south of the border, but also to its financial position at the eve of that acceleration,” he says. “Given the highly elevated level of our index, the ability of Canadian corporations to respond to improving U.S. demand has never been better. “What’s more, this is not a tale of one or two major industries that biased the aggregate results. The index performance is widely based. In fact, improvement in key measures such as cash position and profit margin in recent years actually appears more impressive when the mighty energy sector is excluded.” CIBC Economics is calling for the U.S. economy to expand by 3.2 per cent in 2014, more than double the projected pace in 2013, with the global economy growing by four per cent next year.

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Fads come and go in the design world,

mirroring the current style, but sometimes the best looks are time-tested and true. With the strong resurgence of Art Deco style in the past year, the 1920s just keep roaring. The glamour of Gatsby and party’s extravagant swagger is influencing runways, textiles, furniture and new product designs. Throwing back to the late 1920s, Art Deco was a movement born in the post-war boom. Yearning for the glitz and glamour of young Hollywood, the movement embraced a clean aesthetic known for its symmetry, opulence and bold lines. It gave birth to some of the world’s most famous architectural statements, including New York’s Chrysler Tower and the Empire State Building. The Royal Connaught was Hamilton’s answer to the Edwardian obsession. The hotel in the city’s core was once a playground for the rich and famous. Visiting celebrities, athletes, royalty, business elite and politicians performed, wined and dined in the landmark hub over its 88 years in operation. 66 New home & condo guide SWO | oct 26 - nov 9, 2013

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C O N TI N U E D o n p a ge 6 8 . . . .

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after sitting empty for the past decade, the Connaught will be revived as the highly-anticipated residences of the royal Connaught. the hotel’s indelible three-storey art deco lobby will be refurbished, highlighting the original glass staircase, mezzanine and architectural columns. With 700 new condominium suites, the lobby will be restored to a bustling hub featuring a sleek coffee bar and a baby grand piano. i’ve been busy working on the ﬁnal embellishments for the lobby launch. in the meantime, i’m eager to share of my design inspiration. looking to take a note from this dramatic redesign for your home? here are my top 5 deco design tips: 1 iNTRoduce geomeTRic PATTeRNS this can easily be done by using bold wallpaper on a feature wall in your home or laying a statement rug down under a symmetrical seating arrangement. Hunt for chevrons, zigzags, exaggerated herringbone and linking geometric patterns to execute this desire for all things bold! 2 ReFLecTiVe SuRFAceS the art Deco period was all about the glam so all that sparkles is gold! introduce lacquer, glass, mirror and steel into your interior. Consider a mirrored chest of drawers on either side of the bed to bring glitz into the bedroom. in the foyer, try mounting an over-scaled sunburst mirror above a statement black lacquer console.

3 HIGH-CONTRAST COLOUR SCHEME Dramatic monochromatic colour can make a bold statement in any room. Get daring with your paint brush and wrap your walls into a soft cream backdrop. then add interest by painting all of your interior doors a dark moody and black. i like benjamin moore’s black Jack 2133-20. 4 eXoTic woodS an exotic wood piece is a must-have to contrast all the polished items that prevail in an art deco interior. introduce one over-scaled statement piece like a buffet in the dining room made from warm wood such as, madagascar ebony or walnut. Keep the lines clean and avoid any fussy detailing. 5 gLAmoRouS ANd RomANTic LighTiNg use dimmers and layers of lighting to place accent on prized items like a gallery-style art gathering. oversized wall sconces that radiate light upwards and downwards create a moody sultry glow.

Lisa Boyer is the interior designer behind the Residences of the Royal Connaught’s highly anticipated lobby launch. Check out LB Design by visiting lbdesignstudio.ca. To learn more about the Residences of the Royal connaught, visit royalconnaught.com

68 New home & coNdo guide Swo | oct 26 - nov 9, 2013

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LONDON

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BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home & Condo Guide!

preview registration eastforest homes London | Andover Trails Coming soon – last chance to preregister now to qualify for exclusive offers in this community of quadroplex and townhome designs. eastforesthomes.com

new openings sifton properties London | Westwood Village Grand opening of luxury one-floor Energy Star condos from the low $300’s. sifton.com geranium homes Woodstock | The Village at Sally Creek Designer decorated models open – semi-linked and fully detached bungalows and bungalow-lofts in this adult lifestyle community. geraniumhomes.com

Bayfield Blyth Clinton Grand Bend Ingersoll London Mitchell Seaforth Shakespeare St.Thomas Stratford Tavistock Tillsonburg Wingham Woodstock

new releases auburn developments London | Foxfield Community A variety of housing options are available in this community, including single-family lots. auburndev.com Sifton properties Ingersoll | HarrisView Single-family homes on 40- to 50-ft. lots, with some wooded and pondview lots available. sifton.com Cachet reid heritage homes London | Copperfield Final single-family homes available in this community. Single-detached designs close to schools, shopping, recreation and parks. cachetreid.com

claysam homes Woodstock | Sally Creek Premium twin town designs now including finished basements. claysamhomes.com claysam homes Woodstock | Neighbourhoods of Devonshire Get affordable homeownership in this community of single-family homes minutes from Hwy. 401. claysamhomes.com

72 New home & condo guide SWO | oct 26 - nov 9, 2013

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all is the perfect time of year to take a drive to Woodstock. Award-winning new home builder Geranium Homes welcomes the opportunity to show visitors to The Village at Sally Creek adult-lifestyle community the many and varied reasons to make this your home. The location within an hour drive of west Toronto is popular among empty nesters and professional couples who find they can move to a more practical size home and save thousands by comparison to the price of homes in their present neighbourhood. If you are looking for great value, energy efficiency and luxurious interior finishes in a brand new home, plan to visit Geranium Homes in Woodstock soon. Discover an exciting selection of designs offering superior bungalowstyle living with the option of a finished loft or basement area. Tour three fabulous model homes beautifully decorated by renowned Bryon Patton & Associates Interior Design that showcase comfortable living to perfection in Geranium’s semi-linked and fully detached bungalows and bungalowlofts in this established neighbourhood. If your definition of enjoying life is the opportunity to play nine-holes of golf in the morning followed by lunch with friends at the local bistro and an evening wine tasting

with neighbours, you will be right at home at The Village at Sally Creek. Geranium Homes’ marketing director, Sue Webb Smith says, “All of these things and so much more are possible for residents of The Village at Sally Creek.” Every home in the adult-lifestyle neighbourhood comes with membership to the community’s Recreation Centre, the first phase of which is now in use. Geranium’s purchasers receive a free one-year Sally Creek Golf Club membership for two. Geranium’s semi-linked bungalows on walkout basement lots range from 1,391 to 1,604 sq. ft. for standard plans, prices start at $289,900. Some premium lots are available backing onto the golf course. Detached designs range from 1,479 to 2,067 sq. ft. on 50-ft. lots overlooking the golf course. Prices start from $339,900 to $424,900. Loft options are available on some plans. A $10,000 Upgrades Bonus is now offered. location Woodstock housing type Semi-linked and detached bungalows and bungalow-lofts sales centre Fairway Road at Vansittart Avenue (Hwy. 59) in Woodstock, open 11 a.m. to 5 p.m. Saturday to Wednesday, closed Thursday and Friday contact 519.290.3466 | 855.457.2559 geraniumhomes.com

76 New home & condo guide SWO | oct 26 - nov 9, 2013

076-077 CF Geranium_VB-WK.indd 76

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GERANIUM HOMES

The Village at Sally Creek

Exteriors combine low-maintenance clay brick, stone veneer and Hardie Board siding. Interiors have nine-ft. main floor ceilings, quality kitchens, laminate flooring and beautiful broadloom (all as per plan). In addition to excellent construction standards, Geranium’s homes are Energy Star for New Homes qualified, featuring third-party verification and up to 20 per cent energy savings (over homes built to Ontario Building Code minimum standards) from the day you move in. Geranium Homes has been creating family neighbourhoods across Ontario for 36 years. The company has received the industry’s highest awards: Building Industry and Land Development (BILD) Association’s 2012 Home Builder of the Year and the 2011 Canadian Home Builders’ Association Grand SAM Award. Geranium is a proud sponsor of Theatre Woodstock. The City of Woodstock has a state-of-the-art hospital, local transit system, recreation programs and facilities, social clubs, dining, shopping and a weekly farmer’s market plus over 350 hectares of parkland and open spaces. Geranium Homes Sales Centre is on Fairway Road at Vansittart Avenue (Hwy. 59) in Woodstock. Hours are 11 a.m. to 5 p.m. Saturday to Wednesday. Closed Thursday and Friday. Call Geranium at 519.290.3466 or 855.457.2559 or visit geraniumhomes.com oct 26 - nov 9, 2013 | New home & condo guide SWO 77

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10/24/13 $0 $0 10:08 AM

inthenews

LHBA

confers annual

Awards

of Creative Excellence

More than 400 members and guests of the

London Home Builders’ Association filled the Crystal Ballroom at the Lamplighter Inn recently to celebrate excellence in design, marketing and personal achievements in the residential construction industry in London. Guests were transfixed by buskers in the Atrium during cocktail hour and transported back in time to the golden age under the big top. An outstanding dinner celebrating the local harvest was enjoyed by all. Acting Masters of Ceremony were Tucker and Sarah from 975 Virgin Radio. The Awards of Creative Excellence celebrate the most creative and professional work in the London home building industry. ACE was created by the London Home Builders’ Association to recognize quality products and accomplishments of its members.

Builder of the Year Wastell Builders Group Accepting Rob Wastell, Gerry Wastell Doug Wastell, Sue Wastell Presented by Sarah Steele, Delta Faucet Canada

Over the years, ACE has evolved into more than just design and marketing and now honour members for personal commitments to the Association and the housing Industry. Companies are also recognized for their commitment to clients and homeowners in Supplier and Subtrade of the Year, Builder and Renovator of the Year categories. Each year, ACE Awards strive to recognize the best within London home building industry, and each year they help to raise the bar for consumer and member expectations. Congratulations to all finalists and winners! The LHBA also thanks its Awards Committee members: Sarah Steele, Delta Faucet Canada – Committee Chair; Gerry Box, Union Gas Ltd. – Vice Chair; Cathy Newnham, London Free Press; Bruce Kelly, E.I. du Pont; Pat Kadlecik, Reid’s Heritage Group; and LHBA staff Sarah Lynn Hawley, Lois Langdon, Jodi Mabee, Cathie Stark, Mary Benaway and Christyn Andrade.

Lifetime Achievement Award Bob Nelson, retired former President and Executive Officer LHBA Left to right, Doug Wastell, LHBA President, Bob Nelson, Connie Nelson

80 New home & condo guide SWO | oct 26 - nov 9, 2013

080-081-082-083 LHBA Awards_VB-WK.indd 80

10/24/13 1:36:07 PM

Mowbray Sifton Award Isolino Sousa, Sifton Properties Ltd. Left to right, Doug Wastell, LHBA President, Maria Sousa, Isolino Sousa, Richard Sifton, Sifton Properties Ltd.

Project of the Year The Tricar Group Accepting Matthew Carapella, Joe Carapella, and Adam Carapella, The Tricar Group, Presented by Eric Toivonen, North Pole Trim & Supplies Ltd.

Renovator of the Year Melchers Construction Ltd. Accepting Ted Melchers, Chris Melchers, Dan Shinkelshoek, Presented by Jim Dowdall, Rogers Communication

Sub Trade of the Year SACWAL Flooring Centres Accepting John Verhey, Presented by Brian Aalbers, Libro Financial Group

Supplier of the Year Copp Building Materials Ltd. Accepting Ray Kaczmarek, Copp Building Materials Ltd., Presented by Cathy Newnham, London Free Press

Best New Kitchen in a Home up to $500,000 Sifton Properties Ltd. Design Credit to Cardinal Fine Cabinetry Corp., Accepting Allison Switzer, Sifton Properties Ltd., Paul Bilyea, Cardinal Fine Cabinetry Corp., Presented by Susan Maxwell, New Home & Condo Guide

Best New Bathroom in a home over $500,000 Wastell Builders Group Design Credit to Casey’s Creative Kitchens Inc., Accepting Sue Wastell, Wastell Builders Group, Chris Willemse, Casey’s Creative Kitchens, Presented by Dean Mailloux, EMCO Corp.

Best New Bathroom in a Home up to $500,000 Sifton Properties Ltd. Design Credit to GCW Custom Kitchens & Cabinetry Inc., Accepting Allison Switzer, Sifton Properties Ltd., Greg Christie, GCW Custom Kitchens & Cabinetry Inc., Presented by Jamie Paton, Paton Bros. Plumbing Ltd.

Best New Kitchen in a home over $500,000 Oke Woodsmith Building Systems Inc. Design Credit to Woody’s Custom Cabinetry, Accepting Steve Poortina, Wayne Oke, and Randy Oke, Oke Woodsmith Building Systems Inc., Shawn Fentie, Woody’s Custom Cabinetry, Presented by Andrea Barendregt, Rogers Communication Inc.

Best Renovated Bathroom over $25,000 CCR Building & Remodeling Accepting Arne Madsen, CCR Building & Remodeling, Presented by Brian Aalbers, Libro Financial Group

oct 26 - nov 9, 2013 | New home & condo guide SWO 81

080-081-082-083 LHBA Awards_VB-WK.indd 81

10/24/13 1:36:40 PM

Best Renovated Bathroom up to $25,000 DUO Building Ltd. Accepting John Relouw and Patrick Malloy, DUO Building Ltd., Presented by Darlene Fraser, East Forest Homes

Best Renovated Kitchen over $50,000 CCR Building & Remodeling Design Credit to Dynamic Kitchens by Jem Dor Woodcraft Ltd., Accepting Arne Madsen, CCR Building & Remodling, John Heegsma, Dynamic Kitchens by Jem Dor Woodcraft Ltd., Presented by Dennis Mortlock, Direct Energy

Best Renovated Kitchen up to $50,000 CCR Building & Remodeling Design Credit to Dynamic Kitchens by Jem Dor Woodcraft Ltd., Accepting Arne Madsen, CCR Building & Remodeling, John Heegsma, Dynamic Kitchens by Jem Dor Woodcraft Ltd., Presented by Marko Merhar, Boise Cascade Engineered Wood Products

Best Indoor Living Space Sifton Properties Ltd. Design Credit to Cardinal Fine Cabinetry Corp., Accepting Toby Stolee, Sifton Properties Ltd., Frenk Pelkz, Cardinal Fine Cabinetry Corp., Presented by Pete Williams, Reliance Home Comfort

Best New Exterior Bridlewood Homes Design Credit to Orchard Design Studios, Accepting Carmine Gargarella, Bridlewood Homes, Bryan Moore, Orchard Design Studios, Presented by Cathie Stark, LHBA on behalf of LaFarge

Best Outdoor Living Space The Tricar Group Accepting Steve Martens, The Tricar Group, Presented by Jason Sims, Agent Realty Pro Brokerage Inc.

Best Overall New Home Design $301,000-$400,000 Urban Signature Homes Design Credit to Pure White Design Inc., Accepting Tyler Emel, Urban Signature Homes, Danielle Murphy and Rebecca Khouri, Pure White Design Inc., Presented by Pete Williams, Reliance Home Comfort

Best Overall New Home Design $450,000-$650,000 Gary Field Homes Inc. Accepting Gary Field, Gary Field Homes Inc., Presented by Cathy Newnham, The London Free Press

Best Overall New Home Design up to $300,000 The Tricar Group Accepting Linda Pepe, Elizabeth Burnett, and Laura Carapella, The Tricar Group, Presented by Phil Demarte, InSinkErator

Best Renovation Under $20,000 CCR Building & Remodeling Accepting Arne Madsen, CCR Building & Remodeling, Presented by Gerry Box, Union Gas Ltd.

82 New home & condo guide SWO | oct 26 - nov 9, 2013

080-081-082-083 LHBA Awards_VB-WK.indd 82

10/24/13 1:37:16 PM

Best Renovation $21,000-$50,000 Melchers Construction Ltd. Accepting Dan Schinkelshoek and Chris Melchers, Melchers Construction Ltd., Presented by Leo Simas, London and District Concrete Forming Contractors Association

Best Interior Merchandising Wastell Builders Group Accepting Sue Wastell, Wastell Builders Group, Presented by Jake Draper, Copp Building Materials Ltd.

Best Overall New Home Design over $750,000 Harasym Developments Inc. Accepting Milena and Mike Harasym, Harasym Developments Inc., Presented by Bruce Kelly, E.I DuPont on behalf of the Awards Committee

Best Project Branding The Ironstone Building Co. Accepting Dave Stimac, The Ironstone Building Co., Paul Atwood, Orchard Design Studio, Presented by Allan Drewlo, Drewlo Holdings Inc.

Best Renovation $51,000-$100,000 Old Castle Renovations Design Credit to Dutot Design Services, Accepting Mike Hodgson, Old Castle Renovations, Presented by Gary Burrows, Dashwood Industries Inc.

Best Renovation $101,000-$150,000 Melchers Construction Ltd. Design Credit to Woody’s Custom Cabinetry, Accepting Chris Melchers, Melchers Construction Ltd., Shawn Fentie, Woody’s Custom Cabinetry, Presented by Bill Sherwood, Auburn Developments Inc.

Best Renovation $150,000 and Over CCR Building & Remodeling Accepting Arne Madsen, CCR Building & Remodeling, Presented by Pat Kadlecik, Reid’s Heritage Group on behalf of the Awards Committee

Best Showroom or Design Centre Paton Bros. Plumbing Ltd. Accepting Jamie Paton and Deb Kozachuk, Paton Bros Plumbing Ltd., Presented by Sarah Steele, Delta Faucet Canada

Best Traditional Print Campaign Fusion Homes Accepting Katie Johnson, Fusion Homes, Presented by Gerry Box, Union Gas Ltd.

Best Web Presence Coleman-Dias3 Construction Inc. Accepting John Dias and Stephanie Coleman Dias, Colemand-Dias3 Construction Inc., Presented by Sara Rooney and Howard Wilton, Cambria by Progressive Countertops

oct 26 - nov 9, 2013 | New home & condo guide SWO 83

080-081-082-083 LHBA Awards_VB-WK.indd 83

10/24/13 1:37:55 PM

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INSIDE THIS ISSUE

OHBA CONFERS AWARDS OF DISTINCTION 2013

THE ’20s ARE ROARING BACK IN STYLE

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INSIDE THIS ISSUE

MAKING SENSE OF THE NEW-HOME MARKET

INTERIOR DESIGN: LIVING THE ULTIMATE LIFESTYLE

MAKING YOUR OPINION COUNT AS A NEW-HOME BUYER

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INSIDE THIS ISSUE

CITY CONFERS FOCUS: HAMILTON 2013 TIPS AND ADVICE DOWNSIZING ANDFOR OHBA STILL OF HUMMING DISTINCTION ALONG LIVING GREEN SELECTING A BUILDER AWARDS

LHBA CONFERS ANNUAL GUELPH: A FOCUS ON AWARDS ECONOMYOF&EXCELLENCE ENVIRONMENT

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ontario’s

Premier

Guide

adult

lifestyle

TIPS FOR CHOOSING A NEW-HOME BUILDER

PREPARING YOUR HOME FOR FALL

10/23/13 2:23 PM

2013 EDITION FREE

FREE

HOW IMPORTANT IS YOUR CONDO VIEW?

communities

Profiling a selection of the GTA’s top home & décor shops and services

OCTOBER 2013 VOLUME 9 ISSUE 5

www.homedecorandrenovations.com

inside this issue

13-10-21 2:27 PM

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sHoppIng 2013 Home Décor anD renovations

communities

HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

guIde

Getting inspired

to live, eat & travel

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across the gTA

MORTGAGE SMARTS

like you’ve always wanted

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WE HEAR FROM THE PROS: JULIE CARLSON, YANIC SIMARD, BRYAN BAEUMLER AND MORE

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homebuyersâ&#x20AC;&#x2122;help

HomeBuyersâ&#x20AC;&#x2122; Resource Section You love the home, see what you can afford! Compare mortgage rates for your best deal alculate your mortgage payments using the C mortgage payment calculation chart

oct 26 - nov 9, 2013 | New home & condo guide SWO 85

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hotdates

nov 8-10

Wineries of Niagara-on-the-Lake Taste the Season Touring Pass Event 2013 VARIOUS WINERIES NIAGARA-ON-THE-LAKE

Taste the Season is the “must-do” event of the season in Niagara-on-the-Lake wine country, and visitors will be treated to VQA wine and food pairings inspired by the season’s bount. wineriesofniagaraonthelake.com

oct 26 - Nov 2

Ring of Fire: The Music of Johnny Cash THE GRAND THEATRE LONDON

Oct. 26 to Nov. 9

Calendar of events beginning from Oct. 26 to Nov. 9, 2013

nov 8-10

We Remember HAMILTON MILITARY MUSEUM HAMILTON

Remembrance Day – we acknowledge From the iconic songbook of Johnny the struggle of men and women in their Cash comes this unique musical work toward the goal of peace. In honour about love and faith, struggle and of this commitment, the Military success, rowdiness and redemption, Museum presents a special display. hamilton.ca and home and family. grandtheatre.com

nov 9-10 oct 26-27

Birtch Farms Pumpkin Festival BIRTCH FARMS & ESTATE WINERY WOODSTOCK

Featuring pumpkins, wagon rides along the Apple Tale Trail, scarecrow making, corn maze, pumpkin games, pumpkin treats, costume contest, pumpkin gallery and fresh baked pumpkin and apple pies.

Oakville Antique Show ST. VOLODYMYR CULTURAL CENTRE OAKVILLE

Top dealers from across Ontario bring to Oakville a wide range of high quality antiques, vintage and midcentury modern. Excellent gift ideas. Also superb Ukrainian fare in the Fireside Café. antiqueshowscanada.com

birtchfarms.com

oct 26 - nov 9, 2013 | New home & condo guide SWO 87

087 Hot Dates-VB-WK.indd 87

10/24/13 11:39:46 AM

caLcuLate YouR mortGaGe Payments Interest rate

amortIZatIon PerIod

cHart fIGure

eXampLe: 5%

25 YeaRs

5.82

mortGaGe amount ÷ 1,000 (MORTGAGE AMOUNT $125,000)

125

montHly Payment

follow tHese stePs to see If you’ll QualIfy for a mortGaGe on YouR dReam home

Calculate the combined monthly before-tax income of you and your spouse.

Multiply this figure by the amount you need to borrow. Divide by 1,000.

Divide by three. This figure is the monthly payment you can afford to make on your home.

Add to this your estimated monthly heating costs and monthly property taxes.

Take the total price of the home and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

88 new home & condo guide swo | oct 26 - nov 9, 2013

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10/24/13 2:25:34 PM

moRtgage paYment calculatIon cHart %

amortIZatIon PerIods

inteRest Rates

10 YeaRs

15 YeaRs

20 YeaRs

25 YeaRs

30 YeaRs

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76

4.25%

10.23

7.50

6.17

5.40

4.90

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19

5.00%

10.58

7.88

6.57

5.82

5.34

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 oct 26 - nov 9, 2013 | new home & condo guide swo 89

085_088-089-090 Homebuyers Resource_VB.indd 89

10/24/13 2:25:35 PM

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 2.7 2.94 2.89 3.19 3.59 6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 3 4 3.14 3.14 3.19 3.59 6.30op 6.30op Bank of Montreal 3 4 3.14 3.14 3.95 4.74 6.30op 6.30op Bank of Nova Scotia 2.8 4.55 3.75 3.89 3.09 4.39 6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.95 4.54 6.45op 6.30op CIBC 3 3.09 3.14 3.19 3.59 6.70op 6.35op HSBC Bank Canada 3 4.45 2.7 3.95 3.13 4.99 6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 ING Direct 3 3.19 3.24 3.59 3.69 Manulife Bank 2.8 4.45 3 3.25 3.4 3.5 4.00op 3.75 3.79 3.79 MonCana Bank 3.69 National Bank n/a 4.4 3.14 3.14 3.95 4.74 6.70op 6.70op Presidentâ&#x20AC;&#x2122;s Choice Finan 3 3.24 3.59 3.69 Royal Bank 3 4 3.14 3.14 3.85 3.59 6.30op 6.30op TD Canada Trust 3 3.09 3.14 3.95 4.74 6.30op TRUST COMPANIES

3.84

Community Trust n/a Effort Trust n/a Home Trust Company 2.65 Investors Group Trust n/a MTCC 2.8

5.34 4.95

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.25 3.95 4.74 3.25 3.6 3.95 4.7 6.30op 2.89 2.89 3.09 3.39 3.14 3.14 3.95 4.69 6.30op 3.75 3.89 3.09 4.39 6.50op

3.79 3.89 3.89 5.34 3.89 3.69 3.89 4.09 3.79 3.69 5.34 4.09 3.89 3.79

3.69 5.34 3.89

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4 Comtech Credit Union 2.95 6.2 6.40op First National Fin. LP 3.95 FirstOntario C.U. 2.7 6.34op London Life n/a 4.2 Luminus Financial 2.95 6.50op MCAP 2.85 Meridian Credit Union 2.75 4 Parama Credit Union 2.85 Steinbach Credit Union 2.5 Teachers Credit Union 4 4.45 6.30op

3.01 3.1 3.33 3.65 3.99 6.25op 2.99 3.25 3.29 3.24 3.45 6.30op 2.99 2.79 3.09 3.39 3.69 3.09 3.14 3.44 3.49 3.69 6.34op 3.14 3.14 3.95 4.69 5.34 3.05 3.1 3.55 3.65 4.05 3.95 6.30op 3.6 3.95 4.35 4.89 5.14 7.00op 3.09 3.14 3.65 3.49 3.59 6.30op 2.9 2.69 3.2 3.45 3.55 2.5 2.7 2.9 3.05 3.25 3.1 3.09 3.39 3.49 3.59 6.50op

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE October 21, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

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IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think ﬁnding a home is a lot more than simply ﬁnding the right property. That’s why we put you right in the middle of the search process.

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 91

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advertiserindex adi development group: LINK Condos + Towns

Homes by DeSantis: Lyon’s Creek

augustine group: Crates Landing

kingwood homes: Village on the Grand

augustine group: Port Place

losani homes: Ancaster Glen

augustine group: Treviso

mattamy homes: Wildflowers

Bayview Wellington: Victoria Village

menkes developments: Millstone on the Park

Bayview Wellington: Niagara-on-the-Green

menkes developments: Enclaves of Upper Canada 35

branthaven Homes: Multi-site

12 & 13

Molinaro group: Paradigm

bucci Homes: Bliss

Monarch: The Village of South Fields

city of guelph: Corporate

Mountainview Homes: Corporate

Claysam Homes: Neighbourhoods of Devonshire

Multi-area developments: Bellagio Village

Cosmopolitan Homes: Vintner Estates

new horizon Homes: Mint Condominiums

PARK LANE HOME BUILDERS: Multi-site

Countrygreen Homes: The Uptowns of Waterdown

48 & 49 9

dawn victoria Homes: Evergreens

phelps homes: Multi-site

dicenzo Homes: Blue Shores

reid’s heritage: Westminster Highlands

dunsire developments: Mill Creek Village

reid’s heritage: Multi-site

eastforest Homes: Corporate

roman home builders inc: Seasons Condos

emery Homes: Appleby Club

rosehaven homes: Multi-site

rosehaven homes: Lyon’s Creek

Empire Communities: Multi-site

2&3

forest park homes: The Village Landing

schuit homes: Perth Park

fusion homes: Privada

spallacci homes: Eden Park

geranium Homes: The Village at Sally Creek

16 & 17

tillsonburg developments: Baldwin Place

Great gulf: Rolling Meadows & Edgewood

94 & 95

town of tillsonburg: Corporate

williamsburg homes: Eby Estates

Homes by DeSantis: Lincoln Square

92 New home & condo guide SWO | oct 26 - nov 9, 2013

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10/24/13 12:27:39 PM

fundamentallyspeaking

How to find a home?

Pay attention to location, information and timing by WAYNE KARL

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

(CMHC), to the local market expertise of new-home sales staff and realtors, the more knowledge you have, the better equipped you are to make informed decisions about buying, LOCATION maintaining and eventually selling First, what does that old adage really mean? Of course, we’d all love a high- your home. end home in the best neighbourhood. But that’s not always possible. For your own enjoyment while you live in your home as well as for future resale potential, TIMING proximity to transportation, shopping, schools and other amenities is among Though your home is your primary the key determinants that affect your property’s appeal and ultimately its residence, it is also an investment. value. After all, those are the qualities potential buyers look for when searching Where you buy is usually determined for a home; the more of them your home has when you go to sell, the more largely by where you want to live, work desirable it will be to a greater number of people. This equates to demand – and play. But when you buy and sell multiple offers and a higher price. is also important. Like any financial instrument, real estate can fluctuate INFORMATION in value and your timing can determine Whether you’re a first-time Whether you’re a first-time how good of an investment it is. Given homeowner, “buying up” to homeowner, “buying up” to today’s challenging economic climate, accommodate a growing family accommodate a growing there’s no shortage of media reports or “right-sizing” as an empty on the ups and downs of the housing nester, education is critical. And family or “right-sizing” as an market. But if you’ve done your these days, with digital media empty nester, education is research, you won’t be spooked – or and mobile technology, all the critical. And these days, with excited – by big-picture reports on information you need is at your digital media and mobile short-term market performance. fingertips. From the content here You know that real estate is not in this magazine, to the resources technology, all the informanational or even regional – it’s very available to you at Canada tion you need is at your specific. You don’t buy the Canadian Mortgage and Housing Corp. fingertips. market and you don’t buy a provincial or even regional market. You buy a specific home, on a specific street in a specific neighbourhood. So, it’s not just about “location, location, location.” The new adage is “location, information and timing.” Do well with all three, and over the long haul your home is going to be one of the best lifestyle and investment decisions you ever made. DESPITE WHAT YOU OFTEN HEAR, BUYING A HOME ISN’T ONLY

about location, location, location. True, this is the time-tested first rule of real estate, but there are other determining factors you must consider as part of your selection process. Indeed, there’s a new rule of thumb for buying real estate.

OCT 26 - NOV 9, 2013 | NEW HOME & CONDO GUIDE SWO 93

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NIAGARA

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This weekend see the Great Gulf difference in 2 great Niagara communities Just 90 minutes from Toronto, Southern Ontario’s best kept secret

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GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area. Rolling Meadows sales office hours: Sat. & Sun. 11pm - 5pm • Mon. - Thurs. 2 - 8pm • Closed Fri. • Edgewood sales office hours: Sat. & Sun. 12pm - 5pm • Mon. - Wed. 2 - 7pm • Closed Thurs. & Fri.

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Move in Ready – New Homes! Thornbury, ON

Port Elgin, ON

THE COTTAGES

TWO-STOREY TOWNHOMES

• 2,056 SQ. FT. • 3 & 2 Bedrooms + den • 2.5 Bathrooms

• 1,227 SQ. FT. • 3 Bedrooms • 1.5 Bathrooms Artist’s Concept.

219,715

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469,500

Guelph, ON

MID-RISE CONDOS

Fergus, ON

• 592 SQ. FT. • 1 Bedroom • 1 Bathroom

BUNGALOW TOWNHOMES Artist’s Concept.

• 1,723 SQ. FT. • 2 Bedrooms • 2.5 Bathrooms

Artist’s Concept.

170,400

Guelph, ON

LUXURY APARTMENT CONDO

360,163

Guelph, ON

• 1,152 SQ. FT. • 2 Bedrooms • 1 Bathroom Artist’s Concept.

TWO-STOREY

289,900

Owen Sound, ON • 2,043 SQ. FT. • 3 Bedrooms • 3 Bathrooms

BUNGALOW • 2,777 SQ. FT. • 1 Bedroom + den • 2.5 Bathroooms

Artist’s Concept.

424,900

Artist’s Concept.

774,900

reidsheritagehomes.com

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