GTA New Condo Guide - March 9, 2013

March 9 - 23, 2013 Volume 17 Issue 05

MENKES INTRODUCES

COMING SOON CHURCH & CARLTON REGISTER TODAY AT MENKES.COM

inside this issue

HOW TO MAKE TAX TIME LESS TAXING

DESIGN TIPS FOR SWEET DREAMS

THE BENEFITS OF BUYING “NEW”

GRAND OPENING

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Hours Of Oper ation Monday - Thursday: 12:00 - 6:00pm Saturday - Sunday: 12:00 - 5:00pm Friday: Closed *For a limited time. Prices, specifications and offerings are subject to change without notice. On select units.

See sales representative for details. E. & O.E. Brokers protected. Illustrations are Artist’s Concept only.

Follow us on

@Camrost

editor’s note

Think you can’t afford a home?

Think again

Susan Legge

Editor-in-chief

Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on facebook search: Condo Guide

Much like that bank commercial that says, “you’re richer than you think,” a new home may be more affordable than you originally thought. Perhaps you only need to change your definition of “home” to get into the market.

While a detached home is the traditional choice for many, highrise and low-rise suites, lofts and townhomes have become a prime choice among first-time buyers and empty nesters in the market for new place to call home.

Not only does condominium living afford you the opportunity to live in a prime neighbourhood at a great starting price, when it’s time to move you can often opt to remain in the same neighbourhood, since

many buildings and townhome communities offer a mix of designs and sizes, which allow families to relocate easily without having to change jobs or schools.

Today’s communities generally have a range of sizes and prices that start at the “affordable” end of the price spectrum.

This spring, many builders and developers are gearing up for their grand openings or have suites available for quick occupancy. It’s an exciting time to be shopping for a new place, so don’t miss this excellent buying opportunity.

Have a look through this issue and see what you think. The home of your dreams is waiting.

The good news:

it’s almost spring

janine druery

Editor

Wall2Wall Media Janine.Druery@wall2wallmedia.com Follow me on Twitter at Twitter.com/JanineDruery

002 new Condo Guide march 9 - 23, 2013

It’s hard to believe, considering some of the harsh weather we’ve had of late, but spring is almost here. And along with the crocuses budding and the beginning of baseball season, a sure sign of spring’s arrival is the inevitability of tax time.

In this issue of New Condo Guide, you’ll get some good tax time tips. For instance, you’ll learn ways to make tax time “less taxing,” how to make working at home work to your advantage, and what’s up with the new provincial tax changes.

Let’s face it, most of us don’t enjoy filing our taxes. But think of it this way: once your taxes are out of the way, you can enjoy the pleasures

of spring. Let’s hear it for flowers, patios and sandals (okay maybe not just yet). But with the nicer weather, its a good time to get out there and start visiting all of the terrific condos you’ve been meaning to see.

So replace your Sorels and parkas with more seasonal gear and make plans to call on some of the stunning condo presentation centres and model suites on offer around the GTA. All of the beautiful architecture, smart designs and dreamy colours will surely help you shed the winter “blahs” and get you into the spirit of the spring season.

But please don’t forget to do your taxes.

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12 P.M. – 5 P.M.

FRIDAYS BY APPOINTMENT

* See sales representative for details. On select suites, limited time only.

Prices and specifi cations subject to change without notice. E. & O.E. Brokers protected. All images are artist concept.

FOLLOW US ON

@CAMROST

march 9 - 23, 2013 new Condo Guide 003

new condo guide

contributors

Vice-President, Wall2Wall Media

Jacqueline Hill Sales Manager

Conni Robinson Associate Publisher, SWO New Homes & Lifestyle Communities

Susan Maxwell Editor-in-Chief, National Real Estate

Susan Legge Art Director

Sarah Jang Editor

Janine Druery Lydia McNutt (on leave) Contributing Editors

BILD Report

Legally Speaking

style file

Bryan Tuckey

Jayson Schwarz

Yanic Simard

Bryan Tuckey is president and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/ bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca).

Jayson Schwarz LL.M is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit the website at schwarzlaw.ca or email info@schwarzlaw.ca.

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

Visit tidg.ca

Wayne Karl, Elisa Krovblit, Silvana Longo, Sara Duck Design Editor

Yanic Simard Senior Account Executive

Dionne Fraser

dionne.fraser@wall2wallmedia.com

Senior Account Executive

Nina Downs

nina.downs@wall2wallmedia.com

Sales & Marketing Co-Ordinator

Terry Bassett Administrative Assistant

Antoinette Jackson Production Manager

Bala Gnanapandithan Production Co-Ordinator

Sandra Hanak-Vujnovic Graphic Designers

Caroline Wassef Sandra Hanak-Vujnovic National Account Manager, Mediative

Paul Slizys on the move

tarion report

Howard Bogach

Barbara Lawlor

Dan Hopkins is chief operating officer at Two Men and a Truck Canada.

For more information visit twomenandatruck.ca

Howard Bogach is President and CEO of Tarion Warranty Corp.

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

Barbara Lawlor is president of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas.

Dan Hopkins

Condo pro

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Copyright 2013 All rights reserved by Wall2Wall Media.

Reproduction in any form is prohibited. Contents of this publication are covered by copyright and offenders will be prosecuted under the law.

Terms Advertisers, editorial content and new 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. Email to susan.legge@wall2wallmedia.com.

The views and data expressed by columnists do not necessarily represent those of the publication.

Advertising

money matters

Taxing Issues

quick tips

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

Henry Choo Chong is a certified general accountant. Henry sits on many committees and provides accounting and tax advice to individuals and businesses in the GTA. Email your tax questions to Taxing Issues at choochonghcga@yahoo.ca

Hellen Buttigieg, CPO, is a certified professional organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace.

Contact Hellen at 905.829.2219 or info@WeOrganizeU.com

Gail Vaz-Oxlade

Henry Choo Chong

004 new Condo Guide march 9 - 23, 2013

Hellen Buttigieg

Hometrader and the Hometrader & Design are trademarks of Apax Partners Llp, Used Under License.

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.

Direct subway access ECONDOS.CA

Condominium Residences at the northeast corner of Yonge & Eglinton Starting from the low $300’s Presentation Office located at 2300 Yonge Street, Lobby

@BazisInc

Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected.

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

416.243.8688 march 9 - 23, 2013 new Condo Guide 005

&

BODY SOUL 006 new Condo Guide march 9 - 23, 2013

THE NEXT GENERATION OF

WATERFRONT LIVING IN TORONTO FROM THE MID $200’s *

Celebrate the ultimate expression of inspired living on the waterfront.

Coming soon, Eau Du Soleil Condominiums, a soaring vision of grandeur with incredible views, a fabulous collection of suite designs and magnificent resort-style amenities. The next generation of waterfront living in Toronto has arrived.

JOIN OUR ONLINE COMMUNITY

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Exclusive Brokerage: TFN Realty Inc. Brokers Protected. *Prices and specifications are subject to change without notice. Rendering is artist concept. E. & O.E

march 9 - 23, 2013 new Condo Guide 007

YOU R LIFE SEEN IN VIVID CO LOU R LIVE THE VIVID LIFESTYLE AT BLOOR AND ISLINGTON FROM THE MID $200’S Seeing is believing at VIVID Condos, where affordable luxury can be yours! See for yourself Pemberton Value. Vibrant lifestyle amenities ready to enjoy. Walk to Bloor West Village, the Islington subway and Kipling GO. Embrace the VIVID lifestyle.

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MICHAEL POWER PLACE SALES CENTRE

ISLINGTON AVE.

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FOR A LIMITED TIME CHOOSE ANY 2-BEDROOM 820 SQ. FT. SUITE FOR ONE INCREDIBLE PRICE - $349,990 PLUS RECEIVE $5,000 OFF AND $5,000 IN FREE UPGRADES*

VIVIDCONDOS.COM 416.239.8200 SALES CENTRE: 9 Michael Power Place HOURS: Mon – Thurs 12 – 7pm, Sat & Sun 12 – 6pm Fri Closed

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*Promotion includes Vivid suite 11 on floors 6 to 16. See a sales representative for full details. Limited time only. Exclusive listing brokerage, Circle M Realty Corporation. Brokers Protected. Illustration is artist’s concept. Prices and specifications are subject to change without notice. E & O.E.

COMING SOON CONDO LIVING WITH A DOWNTOWN VIBE INTRODUCING MISSISSAUGA’S EXCITING NEW MASTER PLANNED URBAN COMMUNITY, JUST STEPS TO THE VIBRANT ERIN MILLS TOWN CENTRE WITH OVER 180 SHOPS, DINING AND SERVICES. LIVE NEAR EXISTING PARKS, TRAILS, PUBLIC TRANSIT AND SCHOOLS. DOWNTOWN ERIN MILLS OFFERS A FINE COLLECTION OF URBAN CONDOMINIUM DESIGNS AND INSPIRED AMENITIES. SUITES FROM THE MID $200’s

REGISTER NOW DOWNTOWNERINMILLS.COM Exclusive Listing Brokerage Circle M Realty Corporation. Prices and specifications are subject to change without notice. Illustration is artist’s concept E.&O.E.

march 9 - 23, 2013 new Condo Guide 009

010

EXCLUSIVE LISTING BROKERAGE BAKER REAL ESTATE INCORPORATED. BROKERS PROTECTED. *PRINCIPLE, CMHC PREMIUM, INTEREST AND TAXES INCLUDED. BASED ON A 1 YEAR TERM AMORTIZED OVER 25 YEARS AT 3.1%. PRICES,SIZES AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. SEE SALES REPRESENTATIVE FOR DETAILS. E. + O. E. ILLUSTRATION IS ARTIST’S IMPRESSION.

Where British Elegance Meets 5-Star Service ★

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THE ICONIC SUTTON PLACE HOTEL RE-ENVISIONED WITH BRITISH ELEGANCE & EXECUTIVE SERVICES. The historic Sutton Place Hotel at Bay & Wellesley, just steps to Bloor-Yorkville, will be re-envisioned as The Britt Condominiums with British inspired design and spectacular amenities.

Along with its rich legacy and contemporary elegance, The Britt will offer its residents an unparalleled array of Executive Services delivered with superlative efficiency and style.

5-STAR EXCLUSIVE AMENITIES & SERVICES WITH THE BRITT VIP ACCESS CARD.

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24-hour executive concierge executive butler Service spa & wellness services executive home maintenance service 3 elegant lobby lounges

Visit our Spectacular Presentation Centre and Tour 2 Beautiful Model Suites Today.

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Exclusive Listing Broker Milborne Real Estate Inc. Brokers Protected.

Marketing Management by Anne Lambrou Living Visions Inc. Prices and specifications subject to change without notice. Illustrations are artist’s concept. E.&O.E.

011

table of contents

March 9 to 23, 2013 volume 17 issue 05

18 365 church In the centre of it all

columns, news & features 54 002 Editor’s note Columnists

024 bild report The benefits of buying a new home by bryan tuckey

028 tarion report Your new condo comes with a Tarion-backed warranty by howard bogach

030 Condo pro Ways to make the move into a condo an easy one by barbara lawlor

040 legally speaking Do your due diligence when buying your first home by jayson schwarz

044 mortgage minute The true cost of bad mortgage advice by peter kinch

048 designer touch Get the most out of your decorating project by shopping like a pro by erica gelman

052 taxing issues Valuable tax tips for first-time buyers

by henry choo chong

054 Money matters Why the B-word (budget) shouldn’t scare you by gail vaz-oxlade

068 style file Tips that can help you slumber more peacefully by yanic simard

070 Make Your Move Be sure to bring your manners with you on moving day by dan hopkins

092 quick tips Getting organized is a process; learn what works for you

by hellen buttigieg

124 scrumpdillyicious With Tagliolini Verde Gratinati al Prosciutto, a little goes a long way

by Leslie styles

In The News

016 breaking ground Monarch and the Goldman Group break ground at Picasso on Richmond

026 housing market Housing starts to gain momentum in late 2013 034 bild news Recent numbers show the GTA is a “tale of two markets” 046 industry news Empire celebrates its 20th anniversary by launching the Heroes Program 096 tax time Be aware of the new provincial tax changes 116 people Stephen Price becomes president and CEO of Graywood Developments

condo profileS 42

110

NY2 Condominiums Coming this spring, Toronto’s only Rent-To-Own program at Bayview and Sheppard

The Madison The Madison has just unveiled two new extra-wide, two-bedroom-plus-den suites in the East tower

the daniels corp.

90

pemberton group

Downtown Erin Mills Condos A new master-planned community in one of the GTA’s most established neighbourhoods

madison homes

118

yyzed project managEment

Spice Condo with a distinctive urban flair coming soon to a great Scarborough location

90 110

42

122 market study Affordability not a barrier for average condo buyer in Toronto: BMO Features

032 tax tips How to make tax time a little “less taxing” 078 finances Some good news on the tax front for those who work from home by jen killins

086 investing Retirement planning at the click of a mouse 094 home design Five tips for a do-ityourself designer look by laura m. stein

126 decorating tips Small bathroom? Think outside the (tiled) box by jackie morra

Homebuyers’ Help

080 condo watch 905 Previews, new releases and grand openings in the 905 area 098 condo watch 416 Previews, new releases and grand openings in the 416 area 129 Condo Buyers’ Resource Section You love the home, see what you can afford 134 Index of advertisers

118

Yes, this is the actual view from the 14th oor!

014 new Condo Guide march 9 - 23, 2013

COMING THIS SPRING Nestled on the edge of High Park - Toronto’s largest urban park and just steps from the quaint shops and fine dining of Bloor West Village, The Daniels Corporation is excited to introduce

The only new condominium within Toronto to offer innovative suites ranging from studio to two bedroom + den designs featuring superior finishes and unobstructed views of over 399 acres of vibrant parkland and beyond. Add to this 18,000 sq. ft. of indoor and outdoor private amenities, unlike any other in the city today, and you’ll quickly see that HighPark Condominiums is Where Modern Urban Meets Mother Nature.

SUITES FROM THE

$300,000s Register Today 416.351.1844 danielshighpark.com

A Daniels / WJ Community Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artists concepts. Prices and specifications are subject to change without notice. E.&O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited. *Conditions apply. See Sales Representatives for full details.

breaking ground

PICASSO ON RICHMOND breaks ground

The extreme cold didn’t dampen the enthusiasm at Picasso on Richmond recently, when Monarch and The Goldman Group marked the onset of construction with a special groundbreaking ceremony. Situated in one of Toronto’s hottest neighbourhoods – on Richmond Street between John and Peter Streets – Picasso on Richmond will rise with a unique design by Governor General Award-winning Teeple Architects.

As construction on the avant-garde residence progresses, its exterior will take shape to reveal edgy white cubic volumes projecting from the tower as if floating in midair, creating an overall look that complements Picasso on Richmond’s proximity to the Art Gallery of Ontario. At the base of the condominium’s 10-storey podium, residents will be able to access retail and commercial spaces. Plus, suite owners will live in the city’s Entertainment District, walking distance to restaurants, shopping, Air Canada Centre, Rogers Centre, Roy Thomson Hall, TIFF Bell Lightbox and the subway.

Pictured (L-R): Ron Mayer, Construction Superintendent of Monarch High Rise;

Anthony DeCarli, Director of Development of Monarch High Rise; Emilio Tesolin, Senior Vice President of Monarch High Rise; Mirella Sarrapochiello, Director of High Rise Sales & Marketing; Howard Myers, Sales Representative, Trade Up Realty; Esther Lay, Manager of High Rise Sales & Marketing; Brad Carr, President of Monarch; Bernie Torchia, Vice President of High Rise Construction; and Kevin King, Project Manager of High Rise

016 new Condo Guide march 9 - 23, 2013

The interiors, designed by UNION31, include a stylish open-air lobby featuring attentive 24-hour concierge service. Suite owners will live the high life in the Picasso Club on the 10th floor. It encompasses a special occasion/party room overlooking a spacious terrace with barbecues, cabanas and lounge chairs, an outdoor fireplace, hot tub and incredible views. Amenities extend to the Cue Lounge, with a billiards table and TV; and Pulse, with its cardio, yoga/aerobics area, fitness equipment, change rooms and dry sauna. There is also a designerdecorated guest suite.

The luxurious studios, onebedroom, one-bedroom plus den, two-bedroom, two-bedroom plus den and three-bedroom designs range in size from 398 to 1,231 sq. ft. and in price from the high $200s to over $800,000. For a limited time, take advantage of special incentive programs on Sky Suites and penthouses. Ask a sales representative for details on these and other current incentives.

Visit the Picasso on Richmond experience centre at 256 Queen Street West, Monday to Thursday noon to 6 p.m., or weekends noon to 5 p.m. (closed Fridays).

Call 416.495.3549 or visit monarchgroup.net.

Buy Monarch.

Be Happy.

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.

MONARCHGROUP.NET

MONARCH COMMUNITIES.

MONARCH, CANADA’S OLDEST AND MOST EXPERIENCED BUILDER.

LIKE MONARCH. LOVE OUR INCENTIVES. ASK US ABOUT OUR LIMITED TIME PROMOTIONS HAPPENING AT A MONARCH COMMUNITY NEAR YOU.

ETOBICOKE WATERFRONT

UNDER CONSTRUCTION

UNDER CONSTRUCTION

EXPERIENCE CENTRE:

EXPERIENCE CENTRE:

2167 Lake Shore Blvd. West, Etobicoke 416.495.3544

SCARBOROUGH CITY CENTRE

NOW OPEN

2167 Lake Shore Blvd. West, Etobicoke 416.495.3544

UNDER CONSTRUCTION

EXPERIENCE CENTRE: ETOBICOKE WATERFRONT

2167 Lake Shore Blvd. West, Etobicoke 416.495.3544

MARKHAM

UNDER CONSTRUCTION

By appointment only 416.495.3595

UNDER CONSTRUCTION EXPERIENCE CENTRE:

NORTH YORK

By appointment only 416.495.3548

DOWNTOWN TORONTO

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EXPERIENCE CENTRE: KINGSWAY

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EXPERIENCE CENTRE HOURS: Mon. – Thurs. 12pm – 6pm, Weekends & Holidays 12pm – 5pm, Closed Fridays

Follow us on:

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Like us on:

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MONARCHGROUP.NET Always home.

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. *Extras noted above are as per plan and as specified by Vendor. Some restrictions may apply. E.&O.E. March 2013. 20673

256 Queen St. West, Toronto 416.495.3549

NOW UNDER CONSTRUCTION.

AN URBAN ICON. AN UNBELIEVABLE PRICE. Rising high above the urban fabric of chic Queen West, Picasso on Richmond is a thought provoking dedication to modern design. The iconic development places you steps from Toronto’s theatre and financial districts, and in the heart of the city’s most coveted shopping district. With Picasso on Richmond breaking ground, take full advantage of our under construction pricing before it’s too late.

EXPERIENCE CENTRE: 256 Queen St. West Mon. – Thurs.

12pm – 6pm Weekends & Holidays 12pm – 5pm, Closed Fridays 416.495.3549 Queen St.

BUILDING LOCATION Valleyridge Dr.

Col. Williams Pkwy.

Hwy. 5 (Dundas)

Richmond St. W. PRESENTATION CENTRE

Richview Blvd.

Upper Middle Rd.

Like us on:

facebook/monarchcorp Follow us on:

twitter@monarch_group

MONARCHGROUP.NET Always home.

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. *Extras noted above are as per plan and as specified by Vendor. Some restrictions may apply. E.&O.E. March 2013. 20673

John St.

Peter St.

N

N

EXPERIENCE CENTRE

Bronte Rd.

DOWNTOWN TORONTO FROM THE $280,000’s NOW UNDER CONSTRUCTION

MONARCH

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SAVINGS AT LAGO. DISCOVER ONE OF ETOBICOKE’S FINAL URBAN WATERFRONT SETTINGS. LAST CHANCE FOR PRE-CONSTRUCTION PRICING.

THREE DISTINCT FLOORPLANS. NO ADDED PREMIUMS. SELECT YOUR FLOOR AND SAVE.

$345,990* $ 299,990 * $ 299,990 *

600 SQ. FT. (1 BED + DEN) | FLOORS 4–16

551 SQ. FT. (1 BED) | FLOORS UP TO 40

552 SQ. FT. (1 BED) | FLOORS UP TO 40

RECEIVE $15,000 OFF WITH PURCHASE

RECEIVE $10,000 OFF WITH PURCHASE

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EXPERIENCE CENTRE: 2167 LAKE SHORE BLVD. W. ETOBICOKE 416.495.3544

Like us on:

Follow 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. *Extras noted above are as per plan and as specified by Vendor. Some restrictions may apply. E.&O.E. March 2013. 20673

YONGE AT HEART RICH IN POSSIBILITIES LIVE AT YONGE + RICHMOND WITH ENDLESS VIEWS OF THE LAKE. REGISTER FOR PREVIEW VISIT YONGEANDRICH.COM

FROM $289,990 CONDOMINIUMS COMING SPRING 2013.

Live at the centre of it all with everything you can imagine. Enjoy easy access to the subway, the PATH, the Eaton Centre, U of T and the Financial and Entertainment districts. Live with luxury amenities, expansive terraces and breathtaking views of the lake. Redefine world class living at Yonge + Rich.

REGISTER FOR PREVIEW AT YONGEANDRICH.COM | 416 492 7420

Illustrations are artist’s impression. Prices, sizes and specifications subject to change without notice. E.&O.E. Exclusive Listing: Baker Real Estate Incorporated, Brokerage, Brokers protected.

march 9 - 23, 2013 new Condo Guide 017

cover story

In the centre of it all:

Menkes Launches

365 Church has become a cliché in the real estate world, but in the case of 365 Church, this adage couldn’t ring more true.

The 29-storey residential condominium by Menkes, one of the GTA’s most respected developers, will offer an unparalleled opportunity to live in the heart of

The phrase “location, location, location”

018 new Condo Guide march 9 - 23, 2013

vibrant downtown Toronto, within minutes’ walk of every conceivable amenity and convenience. With so much at its doorstep, the development will appeal to first-time buyers, downsizers and families alike.

Though 365 Church is on a relatively quiet stretch of Church St., residents will be close to all

Transit is just five minutes away at the TTC College Station subway stop, while two major grocery store chains are close by, as is the iconic Eaton Centre, the premier shopping centre in Canada with its stunning glass galleria and world class retailers, restaurants and services.

Festivals and outdoor events at the popular Yonge-Dundas Square through the year help to give this urban neighbourhood a unique energy and vibe.

the excitement the neighbourhood has to offer, with Toronto’s famous Yonge St. just steps away.

Transit is just five minutes away at the TTC College Station subway stop, while two major grocery store chains are close by, as is the iconic Eaton Centre, the premier shopping centre in Canada with its stunning glass galleria and world-class retailers, restaurants and services. Festivals and outdoor events at the popular Yonge-Dundas Square through the year help to give this urban neighbourhood a unique energy and vibe.

And for students of Ryerson University, or parents of children who will attend Ryerson looking for housing for their children, 365 Church’s location simply couldn’t be better. The condo is at the doorstep of the innovative urban university that is home to 30,000 students.

The old Maple Leaf Gardens, re-imagined as a mixed-use retail and sports centre (featuring the new Loblaws Carlton) and the Toronto General Hospital are neighbourhood fixtures, while attractions such as the Art Gallery of Ontario and the University of Toronto are a brief subway ride away.

march 9 - 23, 2013 new Condo Guide 019

The interior spaces at 365 Church are designed

by Munge Leung, a firm renowned for its forwardthinking creativity.

365 Church will consist of a three-storey podium, a 26-storey tower and ground floor retail space and will include 356 suites.

A modern glass tower, the condominium boasts distinctive and modern balcony designs, created by the award-winning firm of Wallman Architects.

The interior spaces at 365 Church are designed by Munge Leung, a firm renowned for its forward-thinking creativity.

Suite features include eight- or nine-foot ceilings in principal rooms, awning-style windows, laminate and ceramic or porcelain tile flooring, quartz kitchen countertops, six appliances and individually controlled heating and cooling. Purchasers can choose from studio units, one bedroom or one bedroom-with den, or larger two-bedroom and three-bedroom suites, ranging from 323 to 804 sq. ft. in size.

There will also be three, two-storey townhouses at grade along McGill St. Prices for the condominium residences within this stunning tower will start, astoundingly, in the mid-$200s.

Despite a myriad of neighbourhood amenities – from entertainment to educational – 365 Church, like all Menkes condominiums, features a compelling mix of high-demand resident amenities.

Including a 24-hour concierge, 365 Church features a reading lounge; theatre room; fully equipped gym with cardio and weight areas; yoga room; and a luxurious hotel-style guest suite.

Other features and amenities include a stunning rooftop terrace with spectacular city and park views, which will feature a sun deck, lounge, barbecue facilities and dining areas as well as a gourmet demonstration kitchen adjacent to a media room and lounge with a walk-out entrance to the landscaped rooftop terrace.

For a priority preview, register at menkes.com 020 new Condo Guide march 9 - 23, 2013

Jared Menkes

questions for Jared Menkes What do you love about the neighbourhood? I think it’s an amazingly convenient location. Every amenity of the city is literally at your doorstep – whether it’s the subway, Eaton Centre, Allan Gardens, Fran’s, the new Loblaws at Maple Leaf Gardens – everything is just steps away.

The design of this condo is pretty amazing – what direction did you give to Alessandro Munge and Rudy Wallman? With Rudy, we asked him to design a building that fit into the neighbourhood and I think he did a great job. The façade at the base of the building continues the residential character of the houses on McGill Street and the glass tower is designed to read as slender as possible, with variation in the balcony placement to give the exterior some articulation and visual interest. With Alessandro, our primary direction was a contemporary look and feel to the interior spaces. We want our buildings to be timeless and we try to avoid furniture or design themes that are excessively trendy.

Coffee at Bulldog or sake at Guu? One of each, please. I am a big fan of both establishments, you can’t go wrong with a great cup of coffee or cold cup of sake.

Menkes has several urban downtown locations, now including 365 Church. What attracted you to creating an urban brand for the company? As someone who lives in a condo in downtown Toronto, I can fully appreciate and understand the appeal of the urban lifestyle. Developing downtown just makes perfect sense, so many people want to live, work and play in same neighbourhood.

Menkes is also a single-family home builder and a commercial / industrial developer. What do you think the company is best known for? I believe we are known for our quality and customer service, regardless of what type of real estate product we are building. Excellent design and high quality workmanship are key principles that guide everything we do. We put a great deal of effort and resources into customer care and I think it shows – last year Menkes was one of the finalists for the 2012 Tarion Award of Excellence.

A MODERN DAY MASTERPIECE

BRK

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Balance to 20% not required until occupancy. 2-7TH Limited FLOOR time offer.

Illustration is artist concept. E.+O.E. - 3B

2152 SF

04

05

06

07

03

03

04

05

06

08 02

01 TYPICAL FLOOR 2-6

09

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01

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FLOOR 7

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Please see sales representative for details . E.&.O.E. Illustrations and renderings are artist concept only. February 2013.

bild report

The benefits of buying a

// By bryan tuckey

new home You get to choose the builder When you buy a brand new home, you get to choose your builder based on their reputation and track record. You can search our website to find out if the company is a BILD member, which means they agree to a Code of Ethics outlining compliance with standards, fair treatment of employees and consumers, and a commitment to learning. Builders are proud of their work – they have the skills, experience and integrity to do the job right, and they are committed to customer satisfaction.

Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca).

A

lmost every day I’m asked about the new home market in the GTA. My answer usually starts with the fact that our condominium sector is robust in the GTA and that it’s the envy of urban centres across North America. The lowrise sector is constrained right now because more developable land is needed. As a result, there is pent-up demand and projects that include single-detached, semidetached and townhomes have been selling fast.

The GTA is one of the fastest growing urban regions in North America. I have a list of reasons why buying a new home in the GTA is a good decision, but for now, here are five to start the conversation.

024 new Condo Guide march 9 - 23, 2013

Quality of construction and design New homes are built by BILD members using the latest construction techniques and attention to detail, ensuring the most up-to-date quality workmanship. Not only that, but numerous communities across the GTA have received provincial, national and international recognition for designs that combine function and style.

Energy efficient Homes are built in accordance with the Ontario Building Code, which was updated to include more energy efficient standards in 2012. Combine that with advanced construction techniques, higher levels of insulation and energyefficient heating and cooling systems, and you not only save money on your energy bills, you also enjoy a far more comfortable home.

Affordability and choice Condominiums are still the most affordable path to homeownership in the GTA, with the average price of a highrise suite nearly $200,000 less than the average lowrise home. Land constraints, regulatory requirements and the complex approval process are challenging the vitality of the lowrise sector, and as a result, new homebuyers don’t have a wide variety to choose from. Our industry wants this to change and we’re advocating for future homebuyers when we work with our partners in government to improve this situation.

Live anywhere in the GTA From Halton and Peel Regions in the west to Durham Region in the east, throughout the City of Toronto and north in York Region and Simcoe County, our members are building vibrant, well-planned and well-designed complete communities across the GTA where you can live, work and play.

Choosing a neighbourhood that fits your lifestyle and a home that fits your budget is a big decision, but once you find what you’re looking for, you’ll feel right at home.

march 9 - 23, 2013 new Condo Guide 025

housing market

Housing starts

to gain momentum in late 2013

be lower in the first half of 2013, but will gain momentum by the end of the year and in 2014, according to a recent report from the Canada Mortgage and Housing Corporation (CMHC).

The CMHC’s first quarter 2013 Housing Market Outlook, Canada Edition shows that moderation in economic and employment growth in the second half of 2012 led to more modest housing demand.

And with continued moderation expected in the first half of 2013, total annual housing starts are expected to be lower in 2013 than in 2012.

However, with fundamentals including employment, economic growth and net migration expected to gain momentum later in the year and in 2014, housing starts are expected to trend slightly higher next year.

“CMHC expects housing construction activity will trend lower in the first half of 2013, before gaining more momentum by the end of the year

Canadian housing activity will

026 new Condo Guide march 9 - 23, 2013

as economic and employment growth remain supportive of the Canadian housing market,” says Mathieu Laberge, Deputy Chief Economist for CMHC. “In 2014, improving economic conditions may be partially offset by a slight moderation in the number of first-time homebuyers, and potential small and steady increases in mortgage interest rates.”

On an annual basis, housing starts are expected to range between 178,600 to 202,000 units in 2013, with a point forecast of 190,300 units, following a level of 214,827 units in 2012. In 2014, housing starts are expected to range from 171,200 to 217,000 units, with a point forecast of 194,100 units.

Existing home sales are expected to range between 418,200 to 484,000 units in 2013, with a point forecast of 451,100 units, following a level of 453,372 in 2012.

In 2014, Multiple Listing Service (MLS) sales are expected to range from 439,600 to 505,000 units, with an increase in the point forecast to 472,300 units.

The average MLS price is forecast to be between $356,500 and $378,500 in 2013 and between $363,800 and $390,800 in 2014.

CMHC Market Analysis standard reports are available free for download at cmch.ca/ housingmarketinformation.

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march 9 - 23, 2013 new Condo Guide 027

tarion report

Your new condo comes with a

// by howard bogach

Tarion-backed warranty

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

W

elcome to my first column in New Condo Guide.

I’m excited to have this opportunity to share information about your home’s new warranty. If you have questions about what you read or there’s a topic you’d like me to cover, please drop us at note on our Facebook page at facebook.com/ TarionWarrantyCorp.

When buying a new condo, there are many decisions to make; downtown or suburbs, one or two bedrooms, hardwood or laminate.

But the one decision you don’t have to make is about your new condo’s warranty. That’s because almost every new home sold in Ontario comes with a builder’s warranty, backed by Tarion.

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

028 new Condo Guide march 9 - 23, 2013

Although it is often lumped into one warranty for simplicity’s sake, in reality, just about all new homes in Ontario come with deposit and delayed closing protection in addition to three separate warranties that provide different types of coverage at different points in the life cycle of your condo.

Your deposit protection and delayed closing protection begins before you move in. Deposits are protected up to a maximum of $20,000 in the event that your builder goes bankrupt, breaches the purchase agreement or in situations where you are legally entitled to back out of the purchase agreement before closing. Deposits of more than $20,000 are protected under the Condominium Act. The delayed closing and occupancy provision means your builder guarantees that your condo will be ready for move-in either by a date specified in the purchase agreement or by a date that has been properly extended if circumstances occur that delay your condo’s completion. In many cases, your builder will be required to compensate you if a delay occurs.

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

The warranty process starts before your builder even breaks ground, and lasts for seven years from when your new condo is completed and ready for possession The two-year warranty protects against defects in work or materials in the electrical, plumbing and heating delivery and distribution systems owned by your unit. It continues to provide protection against violations of the Ontario Building Code that affect health and safety and applies for two years, beginning on the home’s date of possession.

The seven-year warranty, referred to as the Major Structural Defect Warranty, provides coverage for any defect in work or materials that results in failure of a structural, load-bearing element of the building or one that would reduce the expected life span of a structural element. It also includes protection against a defect that adversely affects the use of the home.

Condos also have another type of warranty coverage for the shared elements of the building, such as the roof, exterior cladding, parking garage, and recreation facilities. This warranty is managed by your condo board.

For more information about your new condo’s warranty, visit Tarion’s website at tarion.com.

029

condo pro

Make the condo

// by barbara lawlor

move with ease! couple of years, start thinking now about paring down. Why move items that will just clutter your space and add the hassle of trying to sell or give away after you’ve settled in?

Here are a few tips that can help:

Barbara Lawlor is president of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas

M

oving into a condominium allows suite owners to leave behind the worries of maintaining a large property and embrace a more carefree lifestyle.

Whether you are a first-time buyer starting out with a compact suite, a move-up purchaser going into a larger suite, or an empty nester looking forward to fewer square feet, you are embarking on an important life step.

As exciting as it is, a major move can also be stressful – especially if you are coming from a large home with countless possessions. A little pre-planning can make moving day go ever so much more smoothly. And for the condo purchaser, it is never too early to begin a plan of action.

Even if you purchase at the very beginning of sales and your condo will not be ready for occupancy for a 030 new Condo Guide march 9 - 23, 2013

›› Take a good look at your floorplan and figure out what furniture can go where. Pay attention to the room dimensions and be reasonable. Ask yourself what you already own that you will want in your new environment. Flag pieces that will not be part of your condominium lifestyle and start the process of finding homes for them. ›› When you pare down possessions, remember that the amenities in the building are like extensions of your living space. There’s no need for that elliptical trainer if you have an equipped fitness room an elevator ride away. ›› Consider hiring an organizer to help you envision your new space and decide what is appropriate to move with you. These professionals have an eye for looking at a room and knowing exactly how to maximize the area. Wouldn’t it be great to move into your condominium knowing where the various items fit and having things packed accordingly? ›› If you need to purchase furniture, take heart – today’s manufacturers have gone all out to design multi-purpose items that can help you make the most of your space. From Murphy beds, to coffee tables that swivel up to become dining surfaces, and armoires that can house entertainment systems or computer nooks, there are items available in just about any colour and style you would want. And if you start early, you can watch for sales. ›› Are you a plant fanatic? Here’s where your floorplan can come in handy again.

Which directions do your windows and balconies face? What plants do well in those natural light conditions? And give some thought to container gardening on your balcony or terrace. If you plan it out ahead of time, you can look for pots and containers and have the moving people carry them onto your outdoor space. ›› Be sure to ask your developer early about the procedure on move-in day. You may have to book elevators well in advance. And of course, this needs to be co-ordinated with your moving company. Moving day is a lot more pleasant when there are no surprises. ›› Leave children and pets with someone else on moving day. Condominiums can be busy, with people coming and going via elevators, stairs and the lobby.

Having to keep track of toddlers or dogs will add unnecessary stress.

When it comes to moving into your new condo, a little foresight goes a long way to achieving your beautiful vision. Even if your occupancy date is well into the future, start your move now – mentally. Then enjoy your fabulous new home!

march 9 - 23, 2013 new Condo Guide 031

tax tips

How to make

tax time less taxing that there are two givens in life: death and taxes, and both are cause for stress.

Few Canadians look forward to doing their annual tax filing, but there are ways to take some of the drudgery out of the season. Cleo Hamel, senior tax analyst at H&R Block Canada, suggests the following simple steps to make tax time less taxing:

There’s an old adage

Year-round planning: Reducing your taxes owed

takes a little bit of planning during the year.

Maximize your return by taking advantage of key dates. For example, make your charitable donations before December 31 or, if you have a little bit of

If you’ve been eyeing travel brochures or checking price drops on that 50-inch flat-screen television, putting a portion of your tax return into a savings account will help you reach your goal faster.

032 new Condo Guide march 9 - 23, 2013

extra cash, consider making additional RRSP contributions during the first 60 days of the year to help reduce your tax payable.

Reduce your worries: Several Canadians are fearful of filing their own taxes and making mistakes on their annual return.

Hamel suggests buying tax software products that provide you a step-by-step guide to filing your taxes so that you don’t miss any credits or deductions.

Worried about being audited?

Some tax packages like H&R Block At Home boxed software offer the peace of mind of free audit assistance. That means you can access a tax professional to help manage correspondence with the Canada Revenue Agency (CRA), should you get an audit request after doing your taxes yourself.

Keep records in one place:

Organization is key to reducing stress at tax time. Keeping all your receipts (child care costs, RRSP contributions, charitable donations, public transit passes and receipts, medical expenses, etc.) in one place will make filing that much easier.

It also ensures that you take advantage of all the credits and deductions available to you.

Where will your life storey take you?

Location, location, location! It’s the mantra for smart buyers in the city.

One exceptional new condominium transcends all others as the smartest destination around. Introducing 365 Church. In the heart of the action, steps from almost every amenity on earth. Shop for groceries where hockey legends were born.

Live where perfection is the norm.

Prices and specifications are subject to change without notice.

Illustrations are artist’s concept. E.&O.E. Brokers Protected. January 2013.

Coming soon to Church & Carlton. Register at menkes.com

Your life storey starts here.

Coming soon

Coming soon

Coming soon

Now open

Move in now

Move in this year

Under construction

Under construction

York & Harbour Toronto Register now at menkes.com

Church & Carlton Toronto Register now at menkes.com

Peter & King Toronto Register now at menkes.com

Richmond & Spadina Toronto from the mid $200’s 416.591.7700

Bay & Yorkville Toronto from $1.9 million yorkvilleresidences.com

Evans & QEW Etobicoke Starting from $272,990 onesherway.com

Yonge & Park Home North York from $384,990 416.730.9722

Avenue & Davenport Toronto Starting from $381,990 416.323.0100

Prices and specifications are subject to change. E.&O.E. January 2013. 20134.

menkes.com

Use a portion of your tax return to reward yourself for all the hard work you have done all year long.

Big returns for your tax return

In today’s economy it seems our tax returns can’t get here fast enough. Who doesn’t love a little extra cash in their pocket? Here are some small suggestions that will help yield big returns.

By decreasing your principal, your interest payments will also lower, leaving a little more breathing room at the end of each month.

2 Place money in a savings account. If you’ve been eyeing travel brochures or checking price drops on that 50-inch flat-screen television, putting a portion of your tax return into a savings account will help you reach your goal faster.

3 Make a donation. The rising costs for everything from food to transportation around the world mean that non–profit organizations and charities working in developing countries are also feeling the pinch. “For example, it now costs more for our field workers to provide daily meals to children in school and to bring necessary medicine and vaccines to health clinics,” says Mark Lukowski, CEO, Christian Children’s Fund of Canada. “But most of all, it is stressful for the children and families who were already living in poverty and who now wonder how they can afford a bag of rice or their children’s school fees.” Give a gift to help someone in need at ccfcanada.ca.

4 Service your car. Cars always need repairs at the most inconvenient times. Repairs can be very costly and be a large burden if funds are not ready available. Servicing your car with your tax return is a proactive way to avoid these irritating repairs. Not to say you will not run into trouble, but perhaps this tune-up will help to prevent unexpected costs later on.

5 Splurge. Use a portion of your tax return to reward yourself for all the hard work you have done all year long. Updating your wardrobe or purchasing a new toy will help you feel great and inspire you to behave until next year’s tax return.

1 Pay down credit card debt.

no excuses!

Top excuses for procrastinating on your taxes It’s that time of year again: tax-filing season. If your spouse, a friend or a tax professional is trying to get you to file your taxes, H&R Block Canada has prepared a handy list of Top 10 Excuses which will be sure to get those pests off your back.

01 I decided to file my nails instead of my taxes.

02 I’m not coming out of my house until this “skinny jeans” thing passes.

03 Chuck Norris never had to file taxes. Why should I? 04 I’m waiting for the Leafs to win the Cup. 05 I’m busy today. Gym. Tan. Work.

06 I have triskaidekaphobia, fear of the number 13.

07 If I file my taxes for 2012, it will draw attention to the fact that I didn’t do them in 2011 or 2010.

08 I’m busy trying to keep up with the Kardashians.

09 I have two kids in university.

I no longer have any income to declare.

10 I was about to file my taxes but Kanye West interrupted me.

If you’re tired of procrastinating, Hamel suggests, “Whether you will be writing a cheque to the Receiver General or filing for a refund, be sure to get the best outcome possible. If you do your taxes yourself, using tax software products like those available at hrblock.ca will help make sure you get back all the money you deserve or pay the least amount of tax possible.”

While these tips may seem small and simple, each will yield large returns. Planning before spending will allow you to do the most with the money you receive. NC

march 9 - 23, 2013 new Condo Guide 033

BILD NEWS

GTA is a

tale of two markets: BILD The GTA’s “tale of two markets” was very evident in

seen a reduction in sales of ground-related housing,” says BILD President and CEO Bryan Tuckey. “A typical January for the lowrise market would have seen more than 1,000 new homes sold across the GTA. The level of ground-related housing sales resulted in 1,248 new homes to be sold in the GTA – almost 1,000 below the long-term average. This is a direct result of reduced affordability and choice in the low-rise sector and illustrates the effect of public policy on the market.”

The RealNet New Home Price Index indicated a 16 per cent increase in the lowrise sector over January 2012 ($639,588). Highrise condos remained the more affordable option in the GTA, with a two-per-cent increase in the price per sq. ft., bringing the unit price index to $435,722.

a tally of new home sales in January 2013, says the Building Industry and Land Development Association (BILD).

In the highrise market, new-home buyers are still looking for – and finding – quality, affordable homes across the GTA. BILD notes that choice in the highrise market is a direct result of provincial public policy, which has resulted in an ever-increasing emphasis on intensification, and the industry is adapting to the shift.

In January, new-home buyers purchased 686 highrise homes, most of which were sold in the City of Toronto. Buyers interested in owning a new condominium in the 905 found a variety of projects in York Region as well.

However, the tale of the lowrise market is illustrated by constrained land supply and a lack of product and choice.

According to RealNet Canada Inc., BILD’s official source of new home market intelligence, new-home buyers purchased 562 single, semi-detached and townhomes in the GTA. “People still want to purchase a detached, semi-detached or townhome in the GTA and over the last few years, we have

Jan 2013 Region

For more information, visit bildgta.ca

LowRise HighRise 2011

2012

2013

2011

2012

Total 2013

2011

2012

2013

Durham

179

212

129

12

4

12

191

216

141

Halton

214

178

105

46

44

21

260

222

126

Peel

294

273

192

89

24

27

383

297

219

Toronto

44

30

10

837

551

508

881

581

518

York

403

481

126

115

121

118

518

602

244

Gta

1,134

1,174

562

1,099

744

686

2,233

1,918

1,248

Jan-Jan

1,134

1,174

562

1,099

744

686

2,233

1,918

1,248

Source: Realnet Canada Inc.

034 new Condo Guide march 9 - 23, 2013

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by All illustrations are artist’s concept only. ©2013 Liberty Development Corporation.

All rights reserved. Brokers Protected. march 9 - 23, 2013 new Condo Guide 035

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www.MyLibertyCondo.ca 036 new Condo Guide march 9 - 23, 2013

MOVe IN 2013!

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march 9 - 23, 2013 new Condo Guide 037

038

march 9 - 23, 2013 new Condo Guide 039

legally speaking

// by jayson Schwarz

When buying do your due your first home, diligence can afford. Get a pre-approval in writing so you have something to rely on and don’t get caught up in the rush of buying a house beyond your budget.

Do you want a condo or a freehold?

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit schwarzlaw. ca or email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

P

urchasing your first home will likely be the largest investment you ever make.

Yet, in my 35 years of practicing law, I have seen young couples spend more time researching a new telephone than a new home!

The most important advice I can give, and if you take anything from this article, it is this: research everything ahead of time (builders, property taxes, lawyers, zoning, bylaws, etc.) And don’t allow yourself to be pressured by anyone.

What can you afford?

Review your available cash for deposit and annual income to pay a mortgage and expenses. Once you have done that, speak to the mortgage specialists at the bank you deal with and speak to a reputable mortgage broker. Find out how much money you can borrow and how much of a deposit you’ll need to put down. This will allow you to focus on homes you 040 new Condo Guide march 9 - 23, 2013

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

Once you determine what kind of home you want, you need to decide on new or resale. If you decide on new, the offers are long and filled with clauses that could cost you money or result in long delays. Be sure to see an experienced real estate lawyer familiar with these kinds of agreements before it is final and no longer conditional. Research the builder and go to other sites the company has done and ask people about quality and aftersales service.

Find the right lawyer

A lawyer must advise you at the time you make your offer, to guide you in understanding the offer (Agreement of Purchase and Sale). The right lawyer will explain how real estate agents work, what documents you will sign and what is to be included in the offer. It is important that your lawyer explains all the potential costs you will face and what you may encounter.

Ensure that you arrange a pre-agreed fee with the solicitor. Get the fees locked in. The fee to close a standard resale home or condominium priced less than $500,000 should be somewhere between $800 and $900, plus HST and disbursements. This may vary in special circumstances. Also, make sure you get a free offer review. Then have your lawyer provide you a list of disbursements – those monies expended on your behalf necessary to properly search and close the transaction. This is where some lawyers may try to charge large fax, mail and photocopy fees. Make your lawyer justify all expenditures that don’t make sense.

Miscellaneous

Do you have a will? Is it up-to-date and does it represent your current situation? A will prevents sibling disputes, clarifies who will look after children, keeps the government out of your affairs, and so on. You will also need insurance for the home. This is the right time to look at life and disability insurance, to determine if you should be insure your mortgage in case something happens to the major wage-earner.

There is a lot to consider when buying your first home. Being prepared will help you enjoy the experience and find that dream home.

COMING THIS SPRING SUITES FROM THE LOW $200,000s or $1,489/MONTH

2GOOD 2MISS FINAL OPPORTUNITY TO OWN AT DANIELS’ LANDMARK NY TOWERS COMMUNITY Introducing NY2 CONDOMINIUMS - the exciting sequel to the highly successful NY Place Boutique Condominiums by Daniels.

Edgy. Hip. Cool. And filled with fresh amenities!

Already under construction, NY2 is just steps to the subway and minutes to shopping, dining and theatre.

REGISTER NOW

FOR OUR UPCOMING RENT-TO-OWN SEMINARS

Best of all, Daniels is once again offering their bold new direction in homeownership with Toronto’s ONLY Rent-To-Own Program - part of your rent goes towards your down payment.

Now that’s smart. NY2. 2 Good 2 Miss!

NY2CONDOS.COM

416.221.3939 Exclusive Listing: CityLife Realty Ltd, Brokerage. Brokers Protected. *Daniels’ Rent-To-Own Program is only available on a select number of suites. Prices, specifications and programs are subject to change without notice. Illustrations are artist concept. E. & O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without written permission of The Daniels Corporation, is strictly prohibited.

march 9 - 23, 2013 new Condo Guide 041

condo profile

THIS SPRING DANIELS UNVEILS NY2 CONDOMINIUMS Toronto’s only Rent-To-Own program at Bayview and Sheppard

i

n 2011, The Daniels Corporation introduced the most unique homeownership program in Toronto, with their Rent-To-Own Program at the wildly successful NY Place Boutique Condominiums within Daniels’ Award-Winning NY Towers Community at Bayview and Sheppard. The response was overwhelming, and the suites were snapped up in record time! The Rent-To-Own Program was such a phenomenal success that Daniels decided to bring it back this spring with NY2 Condominiums – giving those who did not get an opportunity to buy at NY Place, a second chance to be first. With NY2 Condominiums already under construction and suites starting from the low $200s, or just $1,489 per month under the Rent-To-Own Program, those who are interested in taking advantage of this innovative homeownership program will want to act quickly – this opportunity will only be

042 new Condo Guide march 9 - 23, 2013

Daniels’ exclusive RentTo-Own Program offers an easy way for first-time buyers to enter the new home marketplace, and it is the only program of its kind in Toronto today. available for a limited number of suites and judging by the overwhelming response to date, they are sure to go fast!

Daniels’ exclusive Rent-To-Own Program offers an easy way for first-time buyers to enter the new home marketplace, and it is the only program of its kind in Toronto today. “Purchasing a new home is one of the biggest and most exciting decisions you will ever make, and at Daniels, we work hard to create programs that help make the dream of homeownership

more attainable”, says Dominic Tompa, Broker of Record for City Life Realty Ltd. “We are really excited about NY2 and the Rent-To-Own Program because it will help make it easier for people to get into homeownership by allowing them to accumulate a significant portion of their down payment while living in their new home. For many, this is the extra help they need to be able to enter into the new home market place and realize their dream of homeownership”.

The Rent-To-Own Program at NY2 has been designed to make purchasing as easy as one, two, three. Here’s how it works: 1 Choose a suite that best fits your lifestyle needs. Sign an Agreement of Purchase and Sale and begin accumulating your down payment through Daniels’ Gradual Deposit Payment Plan.

2 When you move into your new home, a portion of your monthly rent, along with the total amount accumulated through Daniels’ Gradual Deposit Payment Plan, will be credited towards your five per cent down payment.

3 After one year, all you will have to do is top off your five per cent down payment for your closing. It’s that easy!

In addition to a fantastic Rent-To-Own Program, residents will be able to enjoy fantastic amenities within their new home at NY2, including a Wi-Fi café lounge – perfect for enjoying a coffee or catching up on emails, a fully-equipped and professionally designed fitness room, a rooftop party room that is great for entertaining both indoors and out, and outdoor gardening plots – this outdoor oasis will be the perfect place for residents to get away from everyday life and exercise their green thumbs by planting herbs, flowers and spices. Plus, it will offer 5,000 sq. ft. of retail space on the ground level. NY2 is simply “2 Good 2 Miss!”

As the final condominium in Daniels’ NY Towers Community, NY2 carries Daniels’ long standing tradition of distinctively eclectic architecture in this coveted locale. Situated at the southwest corner of Sheppard Avenue East and Rean Drive, NY2 will inject striking modern lines with its exterior of brick, glass and sleek window design. Over the past decade, Daniels has built over 3,000 homes in this award-winning community that is now home to more than 5,000 residents.

Residents will enjoy the serenity of the established surrounding NY Towers community as well as the convenience of being just steps to the TTC, and Bayview Village Shopping Centre – one of the city’s most premier shopping destinations. In addition, Highways 401, 404 and the Don Valley Parkway are just moments away along with entertainment venues, great restaurants, parks and more.

NY2 is being built to Daniels Green Standard, designed to reduce overall energy consumption, conserve materials and resources and provide a healthier indoor air quality. Suites will

NY2 is being built to Daniels Green Standard, designed to reduce overall energy consumption, conserve materials and resources and provide a healthier indoor air quality. have outstanding features and finishes including nine-foot ceiling heights, laminate flooring, granite kitchen countertops and stainless steel appliances.

The Daniels Corporation (danielshomes.ca) is one of Canada’s preeminent builder/ developers with a reputation for quality and integrity in all forms of residential construction. Named the Tarion Warranty Corporation’s 2012 High Rise Builder of the Year and the recipient of the 2012 Toronto Arts and Business Award presented by the Toronto Arts Foundation, Daniels has built more than 23,000 homes throughout the GTA. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels continually offers innovative programs that help people achieve homeownership, champions neighbourhood initiatives that enhance residents’ quality of life, and supports numerous charities and nonprofit organizations.

NY2 is another example of Daniels’ out-ofthe-box thinking that makes it possible for people to enter the new home marketplace.

And remember, this is your final opportunity to own a brand new home in Daniels’ NY Towers community. For more information on NY2 Condominiums and to learn more about the upcoming Rent-To-Own seminars, register now at ny2condos.com or call 416.221.3939.

march 9 - 23, 2013 new Condo Guide 043

Mortgage Minute

// by Peter Kinch

The true cost of bad mortgage advice

Peter is founder of the Peter Kinch Mortgage Team and the PK-Approved group of Dominion Lending Centres mortgage brokers across Canada, and he is co-owner of Pacific Bridge Mortgage Investment Corp. Feel free to forward any questions directly to Peter at pkinch@peterkinch.com

I

had a conversation with a couple of clients recently that really bothered me. They started by informing me that they had been through a bankruptcy seven years ago but their credit had been squeaky clean since, and now they are ready to try and get back into home ownership.

At first I winced at the thought they had waited for seven long years before reapplying for a mortgage when they could have easily qualified for one much sooner, but that wasn’t the worst of it. I asked if they had re-established any credit over the past seven years, then braced for the answer: they both looked at each other and then back at me with that all-too-familiar “I’m not quite sure what you mean” look.

As I feared, they were told at the time of bankruptcy that they would not be able to qualify for any credit for at least seven years. Now, they might not have actually been told 044 new Condo Guide march 9 - 23, 2013

this, but that is certainly the impression they had. Here’s the bad part: I then had to explain to this nice couple that, although it is quite admirable that they had perfect credit for the past seven years, they also had not re-established any credit in that time, and from a lender’s perspective, that is the single most important component of deciding to lend again. In fact, most lenders will want to see that you have reestablished two or three “trade-lines” or sources of credit over the past two years, and that you have paid them diligently. This proves to a lender that your bankruptcy was an isolated incident and you now have the ability to manage your debt.

So, what did this mean for the couple? After waiting patiently (based on poor advice), and doing absolutely nothing for seven years while waiting to apply for a mortgage, they now have to spend another two years re-establishing credit (such as a Visa, line of credit or car loan) before any prime lenders would look at a mortgage application.

That’s nine years in total! If they had gotten the right advice from the beginning and established new trade lines – which they could easily have done within a month of being discharged – they would have been able to apply for a mortgage at fully discounted rates five years ago.

Too many consumers who have experienced debt issues are not given this simple advice, so here it is in a nutshell:

» Bankruptcy or bad debt will remain on your credit record for seven

years, but this is not to be misconstrued to mean that you will not qualify for credit for seven years. » From the moment you are discharged, you may apply for credit from a variety of sources that will allow you to re-establish your debt and credit rating. These include: › A pre-paid or secured credit card (put $5,000 in a trust account as security and then get a secured card with a $5,000 balance). › Have a family member or friend act as a co-signor or guarantor to get a secured loan from a lender with you are the primary borrower. › A car loan › An RSP loan »Y our loans must report to one or both of the credit bureaus (Trans Union, Equifax) and the limits must be at least $2,500.

Once you get new sources of credit, use them and pay them off. The purpose of these loans and credit cards is to prove to a future lender that you now have the ability to use credit responsibly. That means that credit lines must be revolving, not static.

If you can show that you have re-established your credit, then you may apply for a fully discounted mortgage from virtually any lender and even qualify for high-ratio mortgage insurance through Canada Mortgage and Housing Corp.

With the right advice, anyone who has gone through bankruptcy can qualify for a new mortgage within two or three years. The same person, with the wrong advice, may need to wait as long as nine years for the same result.

So, what’s the cost of bad advice?

CHAZ LIVING,BUILT AROUND YOUR LIFE .................. 580 S.F. .......................................... 123 S.F. 703 S.F.

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

march 9 - 23, 2013 new Condo Guide 045

industry news

Empire launches

Heroes Program has announced it will celebrate its 20th anniversary by launching a new community-wide initiative called the Empire Heroes Program.

The Vaughan-based residential builder/developer says the program will stretch into every community in which Empire is building, and is dedicated to supporting the local hospital or support services in those areas. It is designed specifically for individuals working in hospital, law enforcement and other EMS services to assist them in buying a new home in any Empire community.

The program is open to those who fall into the following categories: police, firefighters, paramedics, and all doctors, nurses and staff working in a hospital.

Empire has announced that it will give anyone who works in these professions a two-per-cent discount

Empire Communities

The Vaughan-based residential builder/ developer says the program will stretch into every community in which Empire is building, and is dedicated to supporting the local hospital or support services in those areas.

046 new Condo Guide march 9 - 23, 2013

on the purchase of a new Empire home. In addition, Empire will make a $1,000 donation to the local hospital for each of these new homes purchased.

“We are pleased to introduce this program as we understand the tremendous dedication that the health and safety personnel give to their communities whether it be as a firefighter, a police officer or an emergency worker,” says Paul Golini, Executive Vice President of Empire Communities. “We also realize that virtually every one of us requires the services of a hospital or one of the support services at one time or another.”

Golini says the initiative is all about “supporting the communities that are supporting us and making home ownership a little bit easier for those who take care of us.“ Empire Communities is involved in all sectors of the new home building industry, including both lowrise and highrise built forms, ranging from luxury to affordable housing. For more information, visit empirecommunities.com.

Attending Empire’s announcement of its Heroes Program are from left: Andrew Guido, Executive Vice President; Michael Meneguzzi, President of Highrise Divsion; Paul Golini, Executive Vice President; Daniel Guzzetti, President and CEO; Dan Flomen, Senior Vice President of Sales

Remarkable design. Remarkable architecture. Spacious balconies.

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Prices, sizes and specifications subject to change without notice. E. & O.E. Illustration is artist’s impression. Exclusive listing brokerage: TFN Realty Inc. Brokers protected.

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march 9 - 23, 2013 new Condo Guide 047

designer touch

// by erica gelman

shopping like a pro H

ave you ever wondered how interior designers just know how to get started on a design or decorating project? Have wished you could, too? Well, you can – and I’ll show you how to get the most out of your decorating project by shopping like a pro.

1 Start with a Plan A plan is the most important element of your

Toronto-based designer Erica Gelman, Principal of Erica Gelman House Of Design. Specializes in both large and small scale residential design projects throughout Toronto and the GTA. Known for enhancing and creating new possibilities in every space of your home.

House of Design www.ericagelman.com

If you speed up your shopping you’ll end up making decisions based on time and not on what actually works

shopping excursion. Before you step foot outside your door, know where you are going and what you are looking for. We always begin with a consultation to determine what our clients already have, what pieces we can repurpose and what new items we need to be looking for. We like to call that home inventory; make a list and stick to it. Also, in your planning stages include a measured floorplan which clearly indicates windows, doors and any other obstructions to your space. Although the planning stages take up a lot of time, it will save you from costly mistakes like purchasing an oversized sofa, for example, which will not fit through your door.

2 Get Inspired Inspiration comes in different forms for every individual.

It can be through art, fashion, nature or even a colour scheme that evokes your inspiration. Whatever it is that excites you and gets you inspired, try to develop a design direction from that before you head out shopping. We like to start with fabrics as a starting point as we execute a storyboard of textiles.

Some of my favourite fabric retailers are: Kravet, Crown Wallpaper & Fabrics, and Designer Fabrics on Queen Street. You can ask for lender samples, which are perfect to take along with you everywhere you go.

Look for complementary or coordinates to your selected fabrics and layer your scheme.

3 Bring your samples with you Don’t leave home without your samples.

Once we have the fabrics and developed a colour scheme – we always take the swatches along with us. It is so important to get the right shade or perfect tone when comparing different retail objects. Many times you can’t

Erica’s Favourite Shops For vintage one-of-a-kind finds Decorum decorum.1stdibs.com

For accessories Artefact artefacts.ca

Designer fabrics designerfabrics.ca

Lighting & accessories Union lighting unionlightingandfurnishings.Com

continued on page 50…

048 new Condo Guide march 9 - 23, 2013

COMING SOON THE DAWN OF A NEW LANDMARK COMMUNITY

COMING SOON

DANIELS IS INTRODUCING A NEW LANDMARK COMMUNITY IN THE HEART OF ERIN MILLS Following the spectacular success of Daniels’ award-winning community in Mississauga’s City Centre, Daniels’ pioneering vision comes to downtown Erin Mills, with a new landmark master-planned condominium community. Built on quality, integrity and enriched with vibrant amenities, Daniels Erin Mills is set to become the newest “it” destination in the GTA – a place where residents live, work, shop, dine, play and call home.

Exclusive Listing: CityLife Realty Ltd. Brokerage. Brokers Protected. Illustrations are artist’s concept. Specifications are subject to change without notice.

E.&.O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without prior written permission of The Daniels Corporation, is strictly prohibited.

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march 9 - 23, 2013 new Condo Guide 049

designer touch

continued…

A plan is the most important element of your shopping excursion. Before you step foot outside your door, know where you are going and what you are looking for

remember the exact colour of your chair fabric, so having the swatches with you will aid in making the right decision.

Also, when we pull out paint samples, it may not be the colour that we are necessarily applying to the walls but rather the ones we are building the plan through. This is especially important when it comes to selecting largescaled items like your area rug, because it is such a prominent feature to your space, you want it to be the perfect tone and balance the other finishes.

4 Take your time Shopping is exhilarating, it is fun but it

can also be overwhelming. I’m a firm believer that it does not have to be done in one day. On the contrary, if you speed up your shopping you’ll end up making decisions

050 new Condo Guide march 9 - 23, 2013

based on time and not on what actually works. I suggest bringing your camera with you and taking as many pictures as possible. You may find that once you’re in the comfort of your own home, you no longer have the same admiration towards that chandelier as you once did in the bright & sparkly showroom. If you’re shopping vintage or purchasing through a consignment store, ask if you can bring the items home and see if they work in your space, this is typically for smaller items like lamps, vases or decorative objects.

S’ DANIEL

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Exclusive Listing: CityLife Realty Ltd, Brokerage. Brokers Protected. *Daniels’ Rent-To-Own Program is only available on a select number of suites. Specifications and programs are subject to change without notice. Illustrations are artist concept. E. & O.E. All brand names, logos, images, text and graphics are the copyright of the owners, The Daniels Corporation. Reproduction in any form, without written permission of The Daniels Corporation, is strictly prohibited.

taxing issues

Valuable tax tips

// By henry choo chong

for first-time buyers We all have to live somewhere. It makes far more economic sense to make monthly payments that fatten your pockets, rather than a landlord’s.

First-time buyers should consider the following:

Henry Choo Chong, CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225.

Questions to Taxing Issues can be emailed to choochonghcga@yahoo.ca

The opinions and views expressed herein are those of the author and not those of New Condo Guide. New Condo Guide does not necessarily endorse or encourage any specific tax strategies.

Please consult a tax professional for advice specific to your particular situation.

Q

We have been saving for a down payment on a condo.

We have about five per cent and $3,000 for closing costs. Is this a good time to buy? Mo and Neeta, Toronto

A

A home used as your primary residence is a great investment. The sale of a family’s principal resident is tax exempt, meaning you’ll pay no tax on the next 40 years of appreciative value on your home. No tax! That alone says it all. And paying your mortgage is a way of forced savings. Owning your home, if nothing else, builds equity.

052 new Condo Guide march 9 - 23, 2013

Determine what you can afford and stick to that price. ›› ›› Negotiate with several financial institutions for the best interest rate, terms and conditions. You may be surprised how competitive banks are for your business. Shopping for a mortgage can be as easy as a few clicks on your mouse. ›› Create a formal plan to achieve your goals, using three easy steps: discipline, discipline and more discipline. ›› Check your credit rating, and improve and maintain it. A one-day late payment is still considered late, and it could affect your mortgage negotiating power. ›› Manage your monthly mortgage payments. First-time buyers should make sure monthly payments are manageable and will continue to be even if interest rates rise. ›› Put down as large of a down payment as possible to avoid taking out a high-ratio mortgage that incurs additional costs and interest. ›› Set aside an additional two to three per cent of the purchase price for closing costs, such as land transfer taxes, legal fees and disbursements, moving costs and other incidentals. With only $3,000, you may be left short on closing. Speak to a real estate lawyer to get an idea of what to expect. ›› If buying a new condo, check if Harmonized Sales Tax (HST) is included in price. What is included and who gets the HST rebate?

Remember, all new homes must charge 13 per cent HST. There is no HST on resale homes. ›› Under the Home Buyers’ Plan (HBP), you can use your RRSP as part of the down payment. An individual and their spouse, provided they qualify, may withdraw up to $25,000 each, tax-free, from their RRSP. You will have 15 years to repay the amounts to your RRSP, starting after the second year of your withdrawal.

It makes far more economic sense to make monthly payments that fatten your pockets, rather than a landlord’s

money matters

// by gail vaz-oxlade

The Dreaded B-Word

T Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

rying to get through life without a budget is like trying to drive a car with no steering wheel. You can lurch your way along, jamming on the breaks every time a threat looms, or you can put the pedal to the metal, but the whole time you’re careening down the road you’ll be worrying about what you’re going to hit. And if you’ve got any passengers, there will be some mess to clean up when you finally reach your destination.

Anyone I know who lives on a budget couldn’t get by without it. And it seems it’s only the people who refuse to make a plan who end up belly aching about getting to the end of the money before they get to the end of the month.

If you were building a house, you wouldn’t dream of using an architect who declared, “Relax. I’ve done this before. I promise I’ll put everything in the right place.” No. You’d insist on seeing some drawings. And here’s why you should, as the architect of your financial house, draw up a budget.

Whether paper-based or electronic, the discipline of managing your budget will help to keep you organized. Annual bills, like car insurance, won’t surprise you, sending shock waves through your cash flow. And unexpected expenses, which have a category in a spending plan, won’t throw you for a loop.

If the mere mention of the word ‘budget’ makes you groan, maybe you haven’t given this old idea a fair shake.

A spending plan is made up of two parts: income and expenses. Income is the money that comes in: your salary, commission, dividends or interest income, alimony, child support, pension, or disability income. It doesn’t include money you think you might get. So, if your bonus is not guaranteed, don’t include it in your budget. Keep it in reserve to boost your RRSP or take you to the sunshine next winter.

Expenses are the items you have to pay for monthly. (Divide annual bills, such as insurance, by 12 to come up with a monthly amount.)

The best way to figure out your expenses is to look at what you’ve been spending. Collect your bank statements, credit card bills, and whatever other records you have of where your money went over the past year. Put each bill in an appropriate category — i.e., utilities, food, clothing, childcare, gifts — total the figures for each category and divide by 12.

continued on page 56…

054 new Condo Guide march 9 - 23, 2013

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money matters

continued…

That’s your monthly average. Add the categories together. That’s what you’ve been spending.

Now, for all of you out there who can’t gather together two months’ worth of paperwork, never mind a year’s worth, here’s the other way to make a budget: You can use the nifty Gail’s Guide to Building a Budget along with the even niftier Gail’s Interactive Budget Worksheet (gailvazoxlade.com).

If you think you can keep flying by the seat of your pants forever, good luck with that.

If you’ve decided to take control of your financial future, congratulations. Create a budget that balances and you’ve taken the first step to making your money work for you.

056 new Condo Guide march 9 - 23, 2013

It seems it’s only the people who refuse to make a plan who end up bellyaching about getting to the end of the money before they get to the end of the month.

// PRE S

EN T ED

BY

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" MASSEY TOWER, WIT H ITS EXCEL LEN T

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058 new Condo Guide march 9 - 23, 2013

march 9 - 23, 2013 new Condo Guide 059

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061

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064 new Condo Guide march 9 - 23, 2013

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march 9 - 23, 2013 new Condo Guide 065

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march 9 - 23, 2013 new Condo Guide 067

ACTUAL USABLE FLOOR SPACE MAY VARY FROM THE STATED FLOOR AREA. SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. SOME FEATURES MAY VARY BY SUITE DESIGN. E. & O.E. - 010112

style file

smart TIPS

for sweet dreams // by Yanic Simard

Photo courtesy of Dormeo Octaspring

Whether you’re a stressed-out insomniac or a sweet dreamer, you

could likely use a little more sleep. I’m more on the insomniac side, so while laying in bed thinking I did a little research and found these tips – old and new – that can help us all rest a lot easier.

1. The Mattress

There are two traditional mattress types to choose from: coil or memory foam. Although metal coil mattresses are still made today, the wires can sometimes lose their shape over time, even to the point of poking through the mattress (which is not how I like to get my acupuncture therapy).

Pocket coil mattresses update this system, creating long lasting coils that flex to fit the body.

Memory foam uses modern materials to create a softer, more formfitting surface, which reacts to your body without wearing out as quickly (although some can trap in heat and moist air). The foam then “remembers” its original shape and snaps back when you get up, ensuring the shape doesn’t sag over time.

068 new Condo Guide march 9 - 23, 2013

I always stick with natural fabrics over synthetic, as the organic fibres breathe and allow heat and moisture to escape, promoting consistent sleep conditions.

My favourite type of mattress is also the newest, and a sort of combination of the other two: a memory foam coil mattress made by Dormeo Octaspring. This mattress has all of the aerating benefits of classic coils, but is made of ultra high-tech foams that support each part of your body perfectly, so you get the best of both worlds.

Once you have the perfect mattress, make sure to dress it well: thread counts are the first thing many shoppers look at when buying bedding, but what’s truly most important is feeling the fabric for yourself to see how you respond to it. I always stick with natural fabrics over synthetic, as the organic fibres breathe and allow heat and moisture to escape, promoting consistent sleep conditions.

2. The Support System

When selecting a frame, you have to balance function and style. Platform beds with minimal, block forms are trendy right now, and the look is very clean and clutter-free which can lower stress (as they say, a tidy home is a tidy mind). However, a more open bed frame will let air pass under the mattress, which allows for even better ventilation if you tend to get hot in the middle of the night.

Any type of mattress can benefit from the extra shock absorption of a box-spring, so I recommend giving yours a check-up with every new mattress, as a worn out one won’t provide nearly as much support.

3. The Space

You may have heard that one of the best ways to bring a sense of rest to your sleeping space is by calming down your colour scheme. This is true; cool tones, from greens to blues to purples, are less energizing and can help you relax. However, “less energizing” doesn’t have to mean “boring.”

In the dark, colours in related tones (i.e., saturation levels) will tend to blend out, so you can still mix together a rich invigorating palette to wake up to and let all that energy disappear at night with the flick of a switch.

Fibre isn’t just good for your diet, it’s good for your sleep! Hardwood is a very popular flooring choice this century, but in the bedroom some carpeting (or an area rug) and lush drapery will bring in both softness and some sound absorption; if you usually go minimal, here’s the place to go a little more luxe.

Now that the space is nice and cave-like, position your bed away from the room’s entrance to put your protective animal instincts at ease, and remove any furniture (such as a desk) that turns your sleep space into a work space.

Having your work and rest zones physically distinct is an important step to keeping them mentally separated.

If you follow the above four points, your brain will have nothing to worry about at night – except what to dream about next.

For even more tips on creating a better sleep space, come to the Direct Energy Centre and take in my presentation at the National Home Show on Toronto Star Day (Friday, March 22nd) at 5:00 p.m.

I’ll be partnering with Dormeo Octaspring to bring you styling lessons, shopping tips, and more.

I can’t wait to see you there.

Until then, sweet dreams!

4. The details

Even if you aren’t afraid of the dark, small amounts of light can upset your natural sleep patterns, disrupting melatonin production and interrupting deep slumber. Consider giving your curtains a blackout lining and choose electronic accessories that don’t cast light (such as the power indicator on a phone charger or an LED alarm clock). Experts suggest that being able to see the time constantly ticking away at night only stresses you out, so choose a clock that is only lit when you really want it (such a buttonactivated digital clock or an old-school mechanical model).

Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s Cityline. For more information visit tidg.ca.

march 9 - 23, 2013 new Condo Guide 069

make your move

Moving etiquette

// by dan hopkins

bring your manners with you

Dan Hopkins is Chief Operating Officer, Two Men and a Truck Canada. twomenandatruck.ca

E

ven at the best of times, moving day can be stressful for everyone involved.

Whether you are moving into or out of a condominium, lowrise home or a commercial property, a move involves trucks, boxes, packing materials, workers and a certain amount of organized chaos.

As with any major event, preparation is key. There are certain things to do on moving day to make things go as smoothly as possible.

The first is to be sure to bring your manners with you.

Think of the following tips as moving etiquette: > Let your neighbours at both ends know when to expect the movers to pull into your place. Ensure that the movers park and unload to avoid blocking anyone else’s driveway or

070 new Condo Guide march 9 - 23, 2013

trespassing on other property while items are being carried into or out of your new place. It is important to respect your neighbours’ privacy and property. > If you are booking a residential move and have the choice, select 9 or 10 a.m. for your truck to arrive. This is a time when people who work the 9-to-5 shift are not at home, and you are less likely to cause them any inconvenience. > Everyone wants to move at the same time, but this can tie up the elevators and make it impossible for residents to come and go, so instead of chaos, the property management will book a block of time for you to move. Book the elevators well in advance – in both the building you are leaving and the building you will be moving into – so that you can have the benefit of arranging your time comfortably. You should also check to see if movers are restricted to using specific doors. Sometimes there are service areas to use for moving so that the rest of the tenants aren’t disturbed or inconvenienced, or to accommodate large, heavy pieces of furniture. > Make arrangements for your pets to be cared for elsewhere. The very nature of a move means that doors will be open for long periods, and having animals wandering in and out can be dangerous for them and for those carrying your belongings.

Let your neighbours at both ends know when to expect the movers to pull into your place. Ensure that the movers park and unload to avoid blocking anyone else’s driveway or trespassing on other property while items are being carried into or out of your new place. continued on page 72…

march 9 - 23, 2013 new Condo Guide 071

make your move

continued…

> If the movers are playing a radio, ask them to keep the volume down to avoid bothering small children or elderly neighbours who may want peace and quiet. > The physical nature of moving means that your movers will get thirsty and hungry. Although it is not necessary, offering cool drinks and some snacks is always greatly appreciated. Cold water and pop during the summer, or coffee and hot chocolate in the winter can go a long way to keeping movers refreshed and energized. > Most people wonder about whether to tip movers. Tipping is not compulsory in our industry, so it is totally up to you. If you feel your moving crew has done an exemplary job, by all means, show your appreciation that way. Whether or not you tip, you should expect excellent service. > Most moving companies are good about removing packing materials, crates, boxes, etc. when they leave. If anything is left behind, collect it yourself and dispose of it. > As items are moved out of rooms, take advantage of the opportunity to sweep, mop and clean what you can. Think about how you would like to find the place you are moving into and act accordingly. Some people hire cleaners to come in and work their magic before turning in the keys over to the landlord or the new owners. You may even want to check your lease – some leases and tenant agreements stipulate the condition of cleanliness and you don’t want to be sent a bill from your old landlord because you didn’t fulfil your obligations at your old apartment when leaving. > Keep your cool. By moving day, you are likely to be tired and worried about all your items arriving at your destination without any damage.

072 new Condo Guide march 9 - 23, 2013

Most people wonder about whether to tip movers. Tipping is not compulsory in our industry, so it is totally up to you. If you feel your moving crew has done an exemplary job, by all means, show your appreciation that way.

So, it’s all about common courtesy – treating others the way you would like to be treated – and it works both ways. That’s why at Two Men and a Truck we follow “the grandma rule.” We treat everyone the way we would want our grandmothers to be treated.

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march 9 - 23, 2013 new Condo Guide 075

076 new Condo Guide march 9 - 23, 2013

// LIVE AT THE INTERSECTION OF

CITY AND STYLE. //

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march 9 - 23, 2013 new Condo Guide 077

FINANCES

// by Jenn killins

working Tax tips for the from home: self-employed

T

Jenn Killins is a financial planning expert, speaker, media personality and author of the best-selling finance book, Finding the G Spot, a sassy, sensible, entertaining approach to finance. Jenn has a creative way of keeping finance simple. Follow Jenn on Twitter @ findingtheGSpot, and for more information, visit dollarsandsense.info.

hey say two things in life are certain: death and taxes. How we are going to die and how much tax we pay are both grey areas and, for the most part, out of our control. But let’s leave the Grim Reaper in the graveyard for now. Believe it or not, I have some good news on the tax front! And no, I’m not running for office...

Taxes are not only a sure thing, they are also scary, boring and intimidating for most. Don’t let this tax season scare you or get you down.

If you work from home, here’s some great news: it is no longer just the starving artist who can benefit from working from home. There is a way you can give yourself a little raise. Self employed, employees, and commissioned income earners, get ready to Google the following forms to see what tax breaks you are eligible for.

Don’t let all these fancy forms and terms scare you. Do a bit of homework and take it to a professional if you’re not sure or just plain can’t stand the idea of doing your own taxes. » T2125 – Calculation of business use of home expenses This one will guide the self-employed Canadian to deductions at home such as heat, electricity, insurance, maintenance, mortgage interest and property taxes. The rule of thumb is if you need to spend it to make money at home, you can more than likely deduct it. Some larger repairs may have a capital cost eliminate to them. This form will give you details on this and other deductions you are entitled to if you’re self-employed. » T777 – Statement of employment expenses This form is for the employee who works from home. It is important to know that it doesn’t matter if you only work from home part of the time – you are still eligible to claim a portion of the time you do work from home. Employees are eligible to claim items such as heat, electricity, general repairs, condo fees, Internet and work phone. The only expenses you can’t claim as an employee versus self-employed are mortgage interest and property taxes. An exception is made for commission employees. As an employee, you must have your employer fill out a T2200.

This form tells Revenue Canada what the employer’s expectations are for work and expenses from themselves and from yourself as the employee.

078 new Condo Guide march 9 - 23, 2013

There are so many financial benefits to working from home. You’re already paying most of these expenses anyway, and the fact that you can claim a portion is a great benefit.

»G eneral facts about home deductions The amount of the deduction is calculated based on the amount of space you use in your home for income. Let’s say you have 10 rooms in your home and two are used for work. The pro-rated amount is based on the percentage of the home used for work. In this case, 20 per cent.

So, if your deduction total is $10,000 x 20 per cent, it’s a $2,000 deduction off your income for you! It’s important to know that the deduction only applies to income.

If this is the first you are hearing of this but have been working from home for quite some time, don’t fret – you are able to go back to previous years and do a T1 adjustment to make a claim for the years you missed the boat!

Keep your receipts. If Revenue Canada comes calling, you want to make sure you can prove your expenses that have been claimed.

And finally, don’t let all these fancy forms and terms scare you. Do a bit of homework and take it to a professional if you’re not sure or just plain can’t stand the idea of doing your own taxes. When in doubt, ask if you’re eligible to claim the deduction. Don’t assume if you don’t know. The money spent for good advice will pay off.

There are so many financial benefits to working from home. You’re already paying most of these expenses anyway, and the fact that you can claim a portion is a great benefit. Let’s not forget the personal benefits.

Nothing is better than working from home in your pajamas. I used to do that all the time. Not as much anymore… darn Skype!

It’s not always about working harder. There’s something to be said for working smarter. So sharpen the pencils, Google it up and give yourself that much-deserved raise! march 9 - 23, 2013 new Condo Guide 079

condo watch

previews & registrations Centro Square

by Liberty Development

A master-planned community in the heart of Woodbridge. Register now.

Web: CentroSquare.ca

A master-planned urban community in Richmond Hill Web: SkyCityCondos.com

The Clairington

by Castleridge Homes

Upper Village Markham

by Greenpark

Active adult living in a parkside condominium in Brampton.

Web: TheClairingtonCondos.com

Courtyards of Maple

by Marino/Intercity/TriAxis

European-inspired condos coming soon to Maple. Register now to stay informed.

Web: CourtyardsOfMaple.com

905 Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

Downtown Erin Mills

by Pemberton Group

Coming soon to Erin Mills: condo living with a downtown vibe. Register now.

Web: DowntownErinMills.com

Fairground Lofts

by Wycliffe Homes

Urban lofts are coming to Woodbridge Village.

Register now for preview.

Web: FairgroundLofts.ca

Grand Palace

by Guizzetti Corp.

Register now for the timeless art of living!

Now under construction.

Web: GrandPalace.ca

Limelight

by Daniels Corp.

Coming soon: The final glorious chapter of Mississauga’s beaming success story.

Web: LimelightCondos.com

Park City Condominiums

By Tobyn Park Homes

Currently in pre-construction at Walkers Line and Upper Middle Road in Burlington.

Register now.

Web: ParkCityLiving.ca

Pinnacle Uptown

by Pinnacle International

Construction has started on Mississauga’s live-work-play community. Register today.

Web: PinnacleUptown.com

Rain Condominiums

by Empire Communities

Coming soon to Oakville – the South Tower at Rain Condominiums. Register now.

Web: RainCondos.com

080 new Condo Guide march 9 - 23, 2013

Skycity Condominiums

by Pemberton Group

Now registering, UV2 – the North Tower.

South Tower is already 90 per cent sold and under construction.

Web: UV2.com

Windows on the Green

by Vandyk Communities

A beautiful selection of condos coming soon to Mississauga on Erin Mills Parkway.

Web: WindowsOnTheGreen.ca

new releases & grand openings Allegra

by Nova Trimax

Affordable luxury, steps from the Village of Woodbridge. Construction started on Phase 1.

Web: AllegraCondos.com

Garden Court Condos

by Monarch

Now open in Markham. Visit the Experience Centre at 10350 Woodbine Ave. Web: MonarchGroup.net

PSV2 & Parkside Village Townhomes

by Amacon Developments

Offering the convenience of downtown living with the tranquility of a suburban context.

Grand opening.

Web: LifeAtParkside.com

GTA Edition Mar 9 - 23, 2013

Your complete source for condos, lofts and townhomes in the 905 region

IN THIS SECTION Maps and listings for new condo communities in the 905 region Builder news and the latest in condos in the 905

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* Due to scale restrictions, locators are approximate.

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Telephone

TH* C*

Price Range

Page

Finder

First Home Longvalley Phase 2

905-814-0123

•

from $279,000

53

15M

16 Vandyk Communities

Windows on the Green

905-822-3333

from $270,000

97

17M

17 Pemberton Group

Downtown Erin Mills Condominiums PembertonGroup.com

•

from $250,000

9

6C

30 Pinnacle International

Pinnacle Grand Park 2

905-276-3981

•

from $250,000

87

20L

34 Pinnacle International

Pinnacle Uptown, Crystal 2

905-568-9000

•

from $250,000

89

19K

39 The Daniels Corporation

Limelight Condominiums

905-306-6996

•

from $200,000

25

21L

45 Empire Communities

Rain Condominiums

raincondos.com

•

from $400,000

85

17Q

47 The Daniels Corporation

Erin Mills

905-306-6996

•

49

17M

1

Pemberton Group

Miracle in Mississauga

905-603-6300

•

from $250,000

16M

3

Castle Group

Tuscany Gates

905-501-9557

from $340,000

20J

4

Conservatory Group

Mirage

905-232-2400

•

from $250,000

20K

6

Conservatory Group

Widesuites

905-897-8536

•

from $375,000

21K

8

Fernbrook Homes

Absolute Vision

905-803-0556

•

from $188,000

21k

8

Cityzen

Absolute Vision

905-803-0556

from $188,000

21K

•

21K

•

•

10 AMACON

The Residences at Parkside Village

lifeatparkside.com

12 Alterra Homes

Renaissance in Olde Brampton

905-454-7222

•

from $215,000

13d

12 Alterra Homes

Renaissance in Olde Brampton

905-454-7222

•

from $215,000

13d

14 Pemberton Group

Rosedale Village Golf & Country Club

905-799-5000

•

from $190,000

12e

18 Retirement Lifestyle Communities

Palisades on the Glen

905-820-8210

•

from $290,000

17M

19 United Lands

Stonebrook II

905-822-8858

•

22n

21 Casino Bay Dev. Corp./Toddglen

Panoramic Point at Brewery Bay

27 Inzola Group

•

1-866-611-5525

•

from $264,000

7Q

Park Place

905-451-7001

•

from $310,000

14G

30 Pinnacle International

Pinnacle Grand Park

905-276-3981

•

from $250,000

20L

31 Pemberton Group

Bluwater Condos

416-987-8800

•

from $350,000

17T

32 Armour Heights Developments

River’s Edge

905-533-2400

•

from $285,000

14A

35 Ashley Oaks Group

Emporium at Joshua Creek

905-618-0660

from $200,000

17P

36 Mady Development

Market Town Condominiums

705-719-1222

•

from $144,000

5r

38 Tridel Corporation

Metrogate - Ventus 2

416-293-5535

•

•

from $302,000

19J

38 Tridel Corporation

Ventus at Metrogate

416-293-5535

•

•

from $302,000

19J

46 Mattamy Homes

The Mount Pleasant Village

•

from $200,000

20M

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

•

mattamyhomes.com

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

905 regionalmaps: Burlington, Brampton, Mississauga, Oakville, Further West, Further North

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Town of Markham 7 407

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arthousemarkham.com

10 Concess ion R

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28

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15

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44

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32

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20

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28

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Teston Rd

Nashville Rd

400

Jefferson Sideroad

Keele St

Kirby Rd

Jane St

Rd

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Price Range

Page

Finder

from $200,000

71

22E

from $272,000

37

10F

24 Liberty Development Corp.

The Fountains

905-731-8302

•

32 Liberty Development Corp.

Royal Gardens

905-889-9997

•

from $240,000

37

14f

43 Guizzetti Developments

Grand Palace

905-907-4370

•

from $295,000

93

12E

44 Liberty Development Corp.

Centro Square Condos

905-851-8877

•

35

4G

46 Empire Communities

The Mark

themarkcondos.ca

•

from $200,000

47

21E

1

Monarch Corporation

Garden Court

monarchgroup.net

•

from $250,000

16D

3

Remington Group

Downtown Markham - Rouge Bijou

905-948-9900

•

from $180,000

18f

4

Tridel Corporation

Renaissance of Richmond Hill

416-736-9500

•

from $720,000

12G

5

State Building Group

Promenade Park

905-709-3352

•

6

Uppercity Village

Greensborough Village

905-489-9964

7

MintoUrban Communities Inc.

WaterGarden

416-915-3800

9

Amicorp

Terraces on the Park

905-265-8739

10 Great Lands Corp.

The Beverly Hills Resort Residences

905-882-6636

11 Triaxis Development Inc/Marino Developments

Courtyards of Maple

416-798-7070

•

from $390,000

8E

The Essential

905-887-4888

•

from $250,000

20E

15 Emery Condominiums

from $410,000

10g

from $249,000

23e

•

from $254,000

11G

•

from $210,000

3f

from $250,000

13F

•

•

20 Solmar Development Corp

Bellaria Residences

905-417-8482

•

from $240,000

7e

22 Quadra Mgt. & Sceptre Devs.

Renaissance Court at Woodbridge Gates

905-851-4220

•

from $230,000

3G

22 Wycliffe Homes

Fairground Lofts

905-605-5900

•

from $287,000

3G

26 Rice Development

Ambria

905-796-3630

•

from $340,000

3F

28 Chestnut Hill Homes

San Francisco by the Bay

905-831-3631

•

from $180,000

22C

31 Pemberton Group

Miracle at Yonge

905-709-5700

•

from $280,000

12F

31 Pemberton Group

•

Sky City

905-709-5700

•

from $300,000

12F

32 Signature Communities

TAO Boutique Condos

905-597-2535

•

from $200,000

14F

34 Sierra Homes

68 Main Street

905-305-0822

•

from $250,000

22F

35 Remington Group

Nexus North Condominium Residences

905-948-9900

•

from $200,000

17F

40 Nova Trimax

Allegra

905-850-6866

•

from $250,000

1F

Vista Parc Condominiums

905-850-8883

•

42 Greenpark Homes

41 Quadcam Development Group Inc

The Upper Village

905-554-6501

•

from $288,000

21E

45 Kylemore Communities

The 6th Angus Glen

905-887-9950

•

from $455,000

19E

*TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

3F

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

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march 9 - 23, 2013 new Condo Guide 085

investing

Retirement planning at the click of a mouse: Canadians embrace DIY investing

One in five Canadians now manage their investments the same way they make common lifestyle purchases: they go online. The TD Direct Investing Poll found the majority of Canadians now book travel (60 per cent), research car purchases (59 per cent) and buy event tickets (58 per cent) online. Many also enjoy the ease and convenience of the Internet to manage their financial future, with 41 per cent researching investment options online and 22 per cent managing their investments online. In addition, 13 per cent said they invest online more frequently than they did five years ago.

“Self-directed investing is a great way to plan and manage your retirement nest-egg – and it’s never too early to start planning for your golden years,” says Rowena Chan, vice-president, TD Direct Investing. “There is a wide variety of innovative tools and resources available to support investors in their long-term strategies and help them make informed decisions.”

Going online to maximize your time When you’re busy, you look for ways to make the best use of the limited hours in the day, and cut down unnecessary activities. The poll found that Canadians

who perform tasks online rather than the traditional way, say the greatest benefits are: saving time (82 per cent), doing things on their own timeline (75 per cent) and having access to lots of information (55 per cent).

“Even with everything Canadians have on the go, it’s essential to prioritize planning and saving for retirement,” says Chan. “The earlier you start, and make it a part of your lifestyle, the easier it will be to accumulate your retirement savings. There are many benefits to managing your own investments –including the ability to view and make changes to your portfolio where and when it’s convenient for you – you have power and control over investing for your financial future.”

There is a wide variety of innovative tools and resources available to support investors in their long-term strategies and help them make informed decisions. continued on page 88…

086 new Condo Guide march 9 - 23, 2013

investing

continued…

Many enjoy the ease and convenience of the Internet to manage their financial future, with 41 per cent researching investment options online and 22 per cent managing their investments online With the start of a new year, many are open to trying new things to improve their lifestyle. Chan offers some tips and online resources that can help you get started and meet your financial goals: Decide what you want, and how you’ll get there: There are helpful tools online such as calculators that will help determine what you need to save for retirement. There is also a variety of research resources online including articles, webinars and online videos.

“When you’re familiar with the investment products available and how they can fit within your portfolio and your retirement savings strategy, you can feel confident that you’re making informed decisions,” says Chan.

Make your financial future a priority: It’s important to invest the time to research, determine your strategy and get comfortable with the different products and platforms at your disposal, especially if you’re a new investor. This will give you greater control and flexibility to manage your portfolio when and where it’s convenient for you, either at home, at work, or on the go with the TD Mobile App. “When you invest online, you control your portfolio, and you still have access to tools and resources, so you 088 new Condo Guide march 9 - 23, 2013

can be confident you are taking the right steps towards a comfortable retirement,” says Chan.

Start slowly, then work your way up at your own pace: You can start by moving one or a few of your investments online until you’re familiar with the platform and tools. When you’re comfortable, you can use direct investing to more actively control your entire portfolio.

“There is a variety of online resources and platforms available, tailored to investors at any level, from new investors, to experienced and active traders,” adds Chan. “If you have questions, we have 24/7 support available online and by phone, as well as in-person support in our 33 investor centres.”

on sale now

2

residences from the mid $200’s Gaze into our crystal… The future is arriving faster than you think. With the inaugural groundbreaking for Crystal 1 and 2, it’s time to envision October 2014 when the many benefits and pleasures of living in the heart of Mississauga’s live-work-play Pinnacle Uptown community becomes all yours.

construction has started

PinnacleUptown.Com presentation centre located at 5044 hurontario street & eglinton, mississauga (905) 568.9000 monday – friday: 1-7pm weekends & holidays: 12-6pm

condo profile

PEMBERTON’S DOWNTOWN ERIN MILLS CONDOS: A new urban vibe

p

emberton Group is developing a brand new masterplanned community in one of the GTA’s most exciting, established neighbourhoods at Eglinton Avenue West and Erin Mills Parkway in Mississauga.

Downtown Erin Mills Condominiums will offer stunning urban suite designs and inspired amenities in this prestigious area.

Interest from young professionals and families has already been outstanding, so new home shoppers seeking extraordinary value and a phenomenal lifestyle will want to register now.

Downtown Erin Mills Condos will be situated steps from Erin Mills Town Centre, Mississauga’s second-largest shopping mall. Residents will be able to walk to more than 180 shops, dining opportunities and services. The community will also be adjacent to a transportation hub, with Mississauga Transit and GO Bus service, plus Highways 401, 403, and 407 and the Streetsville GO Station all close by. This area offers a wealth of other local amenities such as existing schools, parks, trails, recreation facilities and theatres. Just a short drive away is

090 new Condo Guide march 9 - 23, 2013

Downtown Erin Mills Condos will be situated steps from Erin Mills Town Centre, Mississauga’s secondlargest shopping mall.

Residents will be able to walk to more than 180 shops, dining opportunities and services.

Mississauga City Centre, which is home to Ontario’s largest mall, Square One, as well as entertainment at the Living Arts Centre, activities at the YMCA, the Civic Centre, and the new Hazel McCallion campus of Sheridan College.

Pemberton has designed Downtown Erin Mills to capture the downtown vibe of the area through its bold design and urban flair. It all begins with the striking architecture that incorporates two sculptural towers surrounded by landscaped green spaces and distinguished by an elegant port cochère entry. The contemporary lobby features attentive 24/7 concierge service.

For entertaining on a large scale, the condominium’s party and dining rooms will provide a fashionable and cosmopolitan setting. The indoor pool, sauna, steam room, fully equipped gym and yoga studio cover the needs of residents who want to exercise, relax and de-stress after a hectic day – and all without leaving the building or having to pay fees to belong to a fitness club. An outdoor terrace will accommodate summer barbecues and lounging in the midst of panoramic views.

The suites include high-quality features and finishes, installed with Pemberton’s renowned attention to detail.

Functional open-concept layouts include laminate flooring throughout and a floor-to-ceiling height of nine feet in the principal rooms. For those who love to cook and entertain at home, kitchens will include contemporary-designed cabinetry with 40-inch-high uppers, the choice of Caesarstone or granite countertops, a glass mosaic backsplash, and quality stainless steel appliances (fridge, self-cleaning range, dishwasher, and a combination microwave and range hood).

Luxurious bathrooms feature contemporary vanity

cabinetry, porcelain floor tiles, a choice of Caesarstone or granite countertops, a soaker tub, and frameless glass shower enclosure, all as per plan. In addition, each suite comes with a stacked washer and dryer. Generous windows provide spectacular views and invite in natural light, making the living spaces bright, airy and comfortable. Every suite also has a patio or balcony (as per plan).

Pemberton’s well-appointed suites will be available in sizes from 580 to 930 sq. ft.

Prices will begin from the mid-$200s, which represents amazing value in the City of Mississauga.

With over 50 years experience in creating successful residential and commercial developments, Pemberton Group has earned a reputation for building outstanding communities across the GTA. Pemberton already has a long history of creating excellent condominiums in Mississauga, where Miracle In Mississauga is now complete.

Register now by calling 905.326.4100 or visit DowntownErinMills.com. To find out more about Pemberton’s many other fine communities, visit PembertonGroup.com.

You can also follow the company on Facebook and Twitter.

march 9 - 23, 2013 new Condo Guide 091

quick tips

// by hellen buttigieg

A dose of reality

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace.

Contact Hellen at 905.829.2219 or info@WeOrganizeU.com

Y

ou want everything to fit away neatly, display perfectly and you want to know exactly where everything is when you need it. That’s what being organized is all about. But is that realistic? Each space, each person and each system is different. What worked for some may not work for you. You may have limitations on space or be too overwhelmed by stuff for a quick fix.

The demands on your lifestyle and your family’s needs may outweigh the space in your home. Being organized doesn’t happen overnight and it doesn’t have a finish line.

Getting organized is a process; learn what works for you.

092 new Condo Guide march 9 - 23, 2013

Keeping it real. You’ll never get organized. Yes, that’s what I said. You’ll never get organized because being perfectly organized is not a realistic expectation. Just to be clear, organization is not a destination. You don’t just wake up one day and find that you’ve arrived. It’s a process, a work in progress.

So if you are judging yourself against unrealistic expectations, or holding back on pursuing a goal because you are waiting until you “get organized, once and for all,” perhaps it’s time to look at things differently. Instead of trying to get organized, strive to become more and more organized every day. Doesn’t that feel more attainable? Instead of feeling stuck, you’ll be able to take a step forward.

Use your instincts. Are you surrounded by piles of papers on your desk, your floor and any other flat surface in your office? Don’t fight your instincts, work with them. Rather than trying to adapt to traditional ways of filing, like using a lateral filing cabinet, use horizontal methods instead. Use stacking trays or literature sorters, which can be placed on your desk or installed on the wall. Label them with the categories you use the most. It will be easier to adapt to filing papers when you don’t have to change your piling habit.

Let go and let it flow. Are you holding on to things that you’ll never use again? Very often, people unconsciously jam their homes full of stuff because the sheer volume gives them a feeling of comfort and security. If you are operating from a need for abundance, remember that your success as a person has nothing to do with all the outdated or rarely used stuff overflowing from your closets. In fact, it’s probably blocking your prosperity. Let go of what you don’t need to make room for new things to come into your life.

Plan before de-cluttering. Before beginning any de-cluttering project, determine in advance how you will dispose of the items you no longer want.

If you have valuable pieces and would like to sell them, decide whether you will do this yourself or hire someone to do it for you. If you would like them to go to charity, which ones and where are they located? Some charities will pick up, so call them to find out when they will be in your area. It’s not until those boxes and bags leave your home that you will reap the full rewards of de-cluttering. Planning in advance will curb procrastination and ensure full completion of the task.

Feeling stuck? If you find yourself backsliding when it comes to maintaining your organizing systems, don’t berate yourself, as this will sap your energy and prevent you from doing anything about it. Rather than dwelling on what went wrong, focus instead on what needs to be done. Just say “oops,” move on and take action.

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Exclusive listing: Royal LePage —Your Community Realty Brokerage Broker Protected E&EO. Prices and Specifications are subject to change without notice. Illustration is artist concept.

093

home design

Five tips for a

// by Laura M. Stein

do-it-yourself designer look

E

veryone wants a home they can be proud of, but not everyone is able to hire a professional to help them. By following these five triedand-true design rules from Canadian interior decorator and designer Laura Stein of Laura Stein Interiors, even those born without the design gene can get that designer look.

1 | Start with a plan

Laura M. Stein Interiors is a Torontobased firm that specializes in custom interior decorating and design for residential clients. The firm creates leading-edge designs that are distinctive, dynamic, expressive and livable. The firm is run by Laura Stein, an accredited interior decorator who has worked on HGTV’s Designer Guys and Style Dept. She is a member of the Canadian Decorators’ Association (CDECA). Visit lauramstein.com

Planning ahead is the most important thing you can do, and it’s the step that most people skip. Before you even think about going out shopping, take some graph paper and a measuring tape and sketch out your room.

Figure out how you want to use the space, exactly what types of pieces you’ll be looking for when you do go shopping, what will fit, and the approximate size of each piece.

“If you’re not sure of your spacing, use some painter’s tape and tape out the arrangement of pieces on the floor,” suggests Stein. “You’ll be able to see how much space they take up and if the layout makes sense.”

Next, take a look at some magazines. Rip out the pages that inspire you, study the pictures to see how everything fits together, and figure out the overall look and feel that you’re going for. Is it traditional? Is it rustic?

Is it Art Deco? Do you want a space that’s calming and soothing, or bright and vibrant? Honing in on your look will help you figure out which stores to target and will keep you from getting distracted while you’re shopping.

Do some research online and carry a notebook, tape measure and digital camera with you. Collect fabric samples, look at them in your home and bring them with you while you shop.

Remember to think about your home as an entire entity rather than a collection of individual rooms. Plan your colours, furniture and finishes so that one room flows into the next and there is a cohesive feeling throughout.

2 | Scale

Once you have your plan and know the types of pieces you’re looking for and what will fit in the space, consider how each piece fits together with the others. This is where the concept of scale comes in. There’s physical scale, whether a piece is the right size for the room, but there’s also visual scale, which is how light or heavy something feels and looks. Furniture that is up on legs or made with glass tends to feel lighter than something with the same dimensions that is blocky or made of wood.

“It is important to balance the scale of the pieces so that the room feels anchored, but not too heavy,” Stein adds. “When you’re shopping, keep in mind that furniture in a showroom tends to feel much smaller than it actually is, so make sure you have your plan and your measurements with you.”

094 new Condo Guide march 9 - 23, 2013

3 | Colour

Figuring out which colours go together might seem like a daunting task, but there is a simple solution. The easiest way to a fail-safe colour scheme is to start with an inspiration piece that has colours you love. Use this as a starting point, and everything will come together from there. It could be a piece of artwork, an area rug or a swatch of fabric. If you pull colours from something that already looks great you can’t go wrong.

“I like to use fabric as the starting point for most of my colour schemes, such as a pattern I love that would be too busy for something large, but is perfect for a few throw pillows or a small accent piece,” Stein explains.

“As long as it is repeated in more than one place, it will tie everything together. Another insider trick is to take the colour you see the least of in your pattern and pull it out as the main accent colour in the room.”

4 | Texture and pattern

One of the best ways to create interest in a room is with texture. If there’s no variation in texture, everything will look very flat and dull, especially in a room with a neutral palette.

Texture can be physical, referring to how something feels to the touch, but texture can also be visual. Visual texture is achieved by using pattern and contrast.

Remember to think about your home as an entire entity rather than a collection of individual rooms “A great way to create visual texture is to layer pattern on pattern. It gives a room amazing richness, warmth and depth,” Stein says. “Just be sure to vary the scale of each pattern so they don’t compete with each other. Using different textures throughout the room creates a high-end custom look.”

5 | Harmony

The final piece of the puzzle is harmony. A decorator will always make sure everything looks pulled together and each piece contributes to the overall feel of the room. Consider the lines of the furniture, the finishes, and the variety of materials. Think about repetition of pattern and colour.

Remember, it’s much more interesting to buy pieces that coordinate rather than a matching set, so it’s well worth the effort to spend time on getting this right! march 9 - 23, 2013 new Condo Guide 095

tax time

be aware

of new provincial tax changes Healthy homes renovation tax credit

The Certified General Accountants of Ontario advise of a number of provincial tax changes for

filers this year:

Increased threshold for all income tax brackets

›› Taxable income thresholds in all three Ontario provincial tax brackets were increased by 3.3 per cent in 2012, reflecting changes to Canada’s consumer price index (CPI) in Ontario. All indexed nonrefundable tax credits also increased by 3.3 per cent.

New high income tax bracket

›› Th e Ontario government has introduced a new tax bracket. Beginning in 2012, individuals will be taxed at a rate of 12.16 per cent on that portion of their income in excess of $500,000 annually. That will increase to 13.16 per cent in 2013. ›› Th is is supposed to be a temporary tax bracket until Ontario’s deficit has been eliminated in several years.

Ontario Trillium Benefit

›› E ffective July 2012, the Ontario Trillium Benefit combines payments from the Ontario sales tax credit, Ontario energy and property tax credit, and Northern Ontario energy credit. Further details are available on page 117 in the chapter on Ontario Provincial Tax.

096 new Condo Guide march 9 - 23, 2013

›› In 2012, Ontario introduced a refundable Healthy Homes Renovation Tax Credit, which is designed to assist senior citizens with the cost of permanent home modifications required to improve accessibility or assist with mobility to and within their home. ›› This credit is calculated as 15 per cent on up to $10,000, or $1,500, to cover eligible annual expenses (wheelchair ramps, widening passage doors, hand rails in corridors), among other qualifying expenditures. ›› Couples who are living together may only claim up to $10,000 in qualifying expenses in total.

Family members who live with an elderly relative may claim this expense on behalf of the household. Couples who live separately because of medical or other reasons may each claim up to $10,000. ›› For the 2012 tax year, eligible expenses will qualify for this credit if they were incurred between October 1, 2011 and December 31, 2012. In future years, expenses can only be incurred within the corresponding calendar year.

Additional information regarding federal and provincial tax changes is available online at cga.ontario.org. NC

& unwınd INSPIRE

In Mississauga, VANDYK communities has opened the window and let some fresh ideas into the world of condominium design.

Inspiring architecture and a lifestyle that lets you unwind in a natural, Mississauga setting Suites up to 1215 sq. ft. starting from the

$270’S

Windows on the Green is contemporary in its striking 4-storey design. A boutique residence intimate in its ambiance, with only 150 suites and a limited number of lofts. With interiors that artfully blend natural elements of granite, marble and hardwood.

Amazing social and recreational amenities. And all nestled adjacent to the green parklands at Erin Mills and Dundas, minutes from shopping, GO Transit and the QEW/403.

Windows on the Green. Open yourself up to all of life’s possibilities.

MISSISSAUGA

windowsonthegreen.ca • 905.822.3333 Sales Hours: Mon - Fri 12pm - 7pm Sat., Sun. & Hol 11am - 5pm Prices and specifications are subject to change without notice. E. & O.E. Renderings are artist’s concepts.

097

condo watch

new releases & grand openings 36 Hazelton

by Alterra

Construction has started at this luxury boutique condo in the Yorkville neighbourhood.

Web: 36Hazelton.com

101 Erskine

by Tridel

A quiet sensibility in the midst of Yonge and Eglinton. Grand opening.

Web: Tridel.com/101erskine

Avani at Metrogate

by Tridel

New suite release at Metrogate’s newest address at Kennedy and Hwy. 401.

Web: Tridel.com

416

Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

The Bond

by Lifetime Developments

New release – top five floors. Introducing The City Collection at Adelaide and John. Now open.

Web: TheBond.ca

E Condos

by RioCan, Bazis, Metropia

Condominium residences on the northeast corner of Yonge and Eglinton. Grand opening.

Web: ECondos.com

Exhibit

by Bazis, Metropia, Plaza

Limited edition penthouse collection at Bloor and Avenue Road.

Web: Bazis.ca

Fuse 2

by Neudorfer Corporation

Now releasing phase two of this master- planned community in Davenport Village.

Web: FuseCondos.com

Gramercy Park

by Malibu

An urban oasis built around a private park in North York. Move in soon.

Web: GramercyPark.ca

Imperial Plaza

by Camrost Felcorp

New suite release at Yonge and St. Clair.

Book your private appointment today.

Web: ImperialPlazaToronto.ca

Ivory

by Plaza

Newly released Pure Platinum Penthouse Collection on Adelaide, in the heart of old-town Toronto.

Web: PurePlaza.com

Life Condominiums

by Chestnut Hill Homes

A stylish, 13-storey midrise at Yonge and Merton with 149 spacious suites. Now open.

Web: LifeCondos.ca

The Madison

by Madison Homes

Grand opening of Top Floors at Yonge and Eglinton.

Web: MadisonCondos.ca

One Bloor

by Great Gulf

New suite release at this coveted Yonge and Bloor condo, now under construction.

Web: OneBloor.com

Picasso

by Monarch Corp. & The Goldman Group

Now open, an iconic building in the heart of the evolving Entertainment District.

Web: MonarchGroup.net

Post House

by Alterra

Construction underway at this boutique condo in the St. Lawrence Market neighbourhood.

Web: PostHouseCondos.com

Rise

by Reserve Properties

Downtown living at a mid-town price.

Grand opening and new release.

Web: RiseCondos.com

River City 2

by Urban Capital

New release of penthouses with rooftop terraces and townhomes up to 1,877 sq. ft.

Web: RiverCityToronto.com

Vivid

by Pemberton Group

Grand opening continues at Pemberton’s Vivid at Islington and Bloor.

Web: VividCondos.com

X2 Condos

by Lifetime & Great Gulf

Sophisticated condominium now under construction at Jarvis and Charles.

Web: X2Condos.com

continued on page 106…

098 new Condo Guide march 9 - 23, 2013

GTA Edition Mar 9 - 23, 2013

Your complete source for condos, lofts and townhomes in Toronto

IN THIS SECTION Maps and listings for new condo communities in the 416 region Builder news and the latest in condos in the 416

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

# Builder 2 Great Gulf Homes 4 Gairloch Investments 6 Cresford Development Corp.

7 The Daniels Corporation 11 Menkes Developments Inc. 21 Easton’s Group 22 Monarch Corporation 37 Cresford Development Corp.

59 Lindvest 85 Harhay Developments 85 Carttera 117 Bazis Inc. 117 Metropia 117 Plaza 120 The Daniels Corporation 126 Great Gulf Homes 126 Lifetime Developments 129 Concert Properties 131 Lanterra Developments 133 Tribute Communities 137 Alterra Homes/Finer Space 140 Eden Shaw 140 45 Charles Ltd. 148 Graywood/Beaverhall Development 149 Camrost - Felcorp 162 Pianosi Developments 171 Camrost - Felcorp 179 Graywood Developments 179 Mod Developments Inc. 189 The Daniels Corporation 192 MintoUrban Communities Inc. 200 Freed 200 Carttera 202 Bazis Inc. 202 Rio Can 202 Metropia 206 Mod Developments Inc. 215 Dundee Kilmer Developments 1 Goldman Group & Lash Dev. Corp.

1 Goldman Group & Lash Dev. Corp.

1 Goldman Group & Lash Dev. Corp.

3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 3 Concord Adex 5 Onni Group of Companies 5 Onni Group of Companies 8 Cresford Development Corp.

8 Cresford Development Corp.

8 Cresford Development Corp.

8 Cresford Development Corp.

9 Aspen Ridge Homes 11 Menkes Developments Inc. 13 Streetcar Development 14 Canalfa Group 14 Canalfa Group 15 Urbancorp Development Corporation 17 Malibu Investments Inc. 18 Urban Capital 18 Urban Capital 19 Delpark Homes 20 Menkes Developments Inc. 22 Tridel Corporation 23 Tribute Communities 29 Pinnacle International 29 Pinnacle International *TH: Townhomes, C: Condo

Site Telephone TH* C* Price Range Page Finder Yonge+Richmond 416-492-7420 • from $290,000 17 16K 383 383sorauren.com 121 9L Merton Yonge Condominiums 416-484-1900 • from $500,000 IBC 14e HighPark Condominiums 416-351-1844 • from $300,000 14 8L 365 Church menkes.com • Insert 14I King Blue Condominiums 416-599-1355 • from $250,000 75 12N Picasso on Richmond 416-495-3549 • from $280,000 Insert 14M Lofts 399 416-867-3999 • from $390,000 136 14L B Streets 416-532-6636 from $300,000 115 13J One Eleven Condominiums & Lofts 647-347-4111 • 73 13M One Eleven Condominiums & Lofts oneeleven.ca • 73 13M Exhibit Definitive Residences 416-967-7778 • from $800,000 29 14i Exhibit Definitive Residences 416-967-7778 • from $800,000 29 14i Exhibit Definitive Residences 416-967-7778 • from $800,000 29 14i One Park Place Condominiums 416-955-0559 • from $250,000 55 18J X2 416-927-0080 • from $303,000 10 16J X2 416-927-0080 • from $303,000 10 16J 88 Scott 416-216-8588 • from $400,000 63 17M Riverhouse at the Old Mill 416-766-7343 • from $520,000 21 5L RCM I on University 416-363-4800 • from $393,000 59 14M Post House Condominium 416-964-2777 • from $350,000 61 16L Chaz 416-922-0045 • from $320,000 45 16J Chaz 416-922-0045 • from $320,000 45 16J The Mercer 416-597-6940 • from $350,000 107 15M Imperial Plaza 416-925-2501 • from $400,000 3 15I Perspective Condos 416-242-3500 from $280,000 108-109 4H Yorkville Plaza 416-966-3003 • • from $350,000 1 14H Five Condos 416-928-0555 • • from $250,000 77 15J Five Condos 416-928-0555 • • from $250,000 77 15J Cinema Tower Condominiums 416-203-2020 • from $450,000 51 14M 30 Roe 416-915-3812 • from $320,000 67 14D SIXTY Colborne 416-601-0060 • from $300,000 62 16L SIXTY Colborne 416-598-7775 • from $300,000 62 16L E Condos 416-243-8688 • from $320,000 5 14E E Condos 416-243-8688 • from $320,000 5 14E E Condos 416-243-8688 • from $320,000 5 14E The Massey Tower 416-966-0197 • • from $320,000 57 16L Canary District Condominiums 416-603-7576 • from $250,000 65 18L 530 St. Clair Ave. West 530condos.com • from $344,000 12H 500 St. Clair Ave. West 416-868-0500 • from $260,000 12H the rushton rushtonliving.com • from $344,000 12H ParadeTWO Tower Residences 416-813-0999 • from $287,000 15M Grand Parade 2 at Concord CityPlace 416-813-0999 • 15M ParadeTWO Park Collection at Concord CityPlace 416-813-0999 • from $308,000 15M Quartz 416-813-0999 • • 15M Spectra 2 416-813-0999 • • 15N Garrison at the Yards 416-260-2600 • from $190,000 14n West Lake 416-260-2600 • from $240,000 14N NXT 2 416-977-5300 • • from $300,000 8N NXT2/Phase Two 416-977-5300 • • from $210,000 8N Corporate 416-977-5300 • • from $300,000 8N NXT 416-977-5300 • • from $300,000 8N VU 416-970-9500 • • from $370,000 16L Pears on the Avenue 416-323-0100 • from $381,000 14I Trinity Lofts 416-690-2988 • from $330,000 19l Liberty on the Park Condominiums 416-537-0047 • from $363,000 12N Liberty Place 416-537-0047 • • from $170,000 12N Westside Lofts 416-516-5848 • from $180,000 12m LTD 416-601-2223 • from $310,000 14M River City 416-862-0505 • • from $250,000 18L River City 2 416-862-0505 • • from $250,000 18L Broadview Villas 416-429-7888 • from $490,000 19g Fabrik 416-591-7700 • from $250,000 14M Ten York 416-596-9888 • 12F The College 416-363-4800 • from $300,000 M14 Success Tower at Pinnacle Centre 416-360-0673 • from $750,000 17m 33 Bay Residences at Pinnacle Centre 416-925-3325 • 17m

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

Builder

Site

Tower Hill Development Corporation Madison Homes Conservatory Group Conservatory Group Cresford Development Corp.

Cresford Development Corp.

Cresford Development Corp.

Times Developments Inc. MintoUrban Communities Inc. MintoUrban Communities Inc. Lanterra Developments Great Gulf Homes Pemberton Group Lamb Development Corp.

Context Development Inc. E-Park Development Emsatec Canada Inc Neudorfer Corporation Madison Homes State Building Group Freed Freed Carlyle Communities Empire Communities Lamb Development Corp.

Lamb Development Corp.

Tridel Corporation Tridel Corporation Fernbrook Homes/Cityzen Dev. DHD Developments Great Gulf Homes Treasure Hill Homes Lamb Development Corp.

Harhay Developments Plaza Menkes Developments Inc. Lifetime Developments Aspen Ridge Homes Context Development Inc. Context Development Inc. The Brownstone Group of Companies The Brownstone Group of Companies Great Gulf Homes Plaza Empire Communities Empire Communities Pemberton Group The Daniels Corporation The Daniels Corporation The Daniels Corporation Pinnacle International Lifetime Developments Triangle West Development Tridel Corporation Tribute Urban Living Tribute Communities Tribute Communities Graywood Developments Mod Developments Inc. Canderel/Stoneridge Parallax Investment Corporation BSaR Ltd Andrin Homes Matthew Kinsella Custom Homes Inc. Hyde Park Homes Lamb Development Corp.

Longo Corporation Lamb Development Corp.

Aspen Ridge Homes Cityzen Fernbrook Homes Fernbrook Homes Lamb Development Corp.

Niche Development Urban Capital Malibu Investments Inc. Lamb Development Corp.

Niche Development Alit Developments Tre Memovia Developments Lifetime Developments Lifetime Developments Aragon Properties Castlepoint/Cityzen/Fernbrook Enirox Group Plus Development Group Sorbara Group Streetcar Development Mizrahi | Khalili Developments Mizrahi | Khalili Developments Sorbara Group Lifetime Developments Centre Court Development Reserve Properties Reserve Properties Pemberton Group Streetcar Development Tofni Developments Greenpark Homes Greenpark Homes Cresford Development Corp.

Tri-Win Developments Inc Burnac Corporation Lifetime Developments Centre Court Development Streetcar Development Great Gulf Homes Menkes Developments Inc. Reserve Properties BSaR Ltd Castlepoint/Numa Tridel Corporation Torbel Group Sonterlan Mansouri Living

*TH: Townhomes, C: Condo

Telephone

TH* C*

Price Range

Page

Churchill Park Condominiums 416-966-9080 • from $900,000 The Madison 416-482-8090 • from $390,000 Infinity Condominiums 416-214-1988 • from $250,000 Milan 416-928-7409 • from $520,000 CASA 416-977-1100 • from $710,000 The Bloor St. Neighbourhood 416-977-1100 • from $600,000 CASA 2 416-977-1100 • from $250,000 The 500 Condos + Lofts 416-960-0606 • from $400,000 King West 416-367-5464 • from $210,000 775 King West 416-367-5464 • from $330,000 3018 Yonge In Lawrence Park 3018yonge.com • from $390,000 Monde mondegreatgulf.com • from $300,000 The Uptown Residences 416-987-3500 • from $950,000 The Brant Park 416-703-7271 • from $250,000 King West - The Lanes contextkingwest.ca • from $250,000 Foundry Lofts 416-531-7760 from $399,000 Brownstones on the Park 416-531-7760 • from $320,000 Brownstones 416-531-7760 • from $300,000 The Upper Canada Condominium 416-489-5194 • from $1800,000 The Upper Canada Condominiums 416-489-5194 • from $1.8,000 455 Adelaide West - Fashion District Lofts 416-603-6166 • • from $280,000 Fashion House 416-366-0560 • from $250,000 Beach Hill Residences 416-422-0880 • • from $200,000 Schoolhouse 416-979-1333 • from $595,000 Worklofts 416-368-5262 • from $243,000 Flatiron Lofts 416-368-5262 from $243,000 300 Front Street West 416-217-0300 • from $324,000 Reve 416-514-2710 • from $334,000 Pier 27 Waterlink 416-367-3456 • from $300,000 Condos at The Distillery 416-361-1322 • from $400,000 One Bloor Residences 416-922-0081 • from $535,000 Block liveatblock.com • The King East 416-368-5262 • from $300,000 East Condos & Lofts 416-368-5262 • from $310,000 King West kingwestlife.com • from $346,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Four Seasons Private Residences Toronto 416-775-7500 • from $1900,000 Seventy Seven Charles Yorkville 416-203-7034 • from $2100,000 Market Wharf 416-861-8181 • from $260,000 Library District Condominiums 416-861-8181 • from $222,000 Brownstones in Davenport Village 416-531-7760 from $245,000 Brownstones on the Park 416-531-7760 • from $260,000 Charlie 416-927-9772 • from $251,000 Ivory On Adelaide 416-862-0888 • from $279,000 Fly Condos 416-979-1333 from $310,000 Condo Living Store 416-979-1333 • U Condominiums 416-546-6605 • from $250,000 One Park West 416-955-0559 • from $406,000 Paintbox Condominiums paintboxcondos.ca • Festival Tower 416-203-2020 • from $350,000 The Pinnacle on Adelaide 416-596-1600 • Bisha Hotel & Residences 416-637-2211 • from $300,000 Art Condos 416-535-7775 • from $230,000 Two Old Mill 416-645-7022 • from $356,000 1717 Avenue Road 416-430-1717 from $1550,000 1717 Avenue Road 416-430-1717 • from $1295,000 Queen & Portland 416-363-4800 • from $315,000 5 St. Joseph 416-928-0555 • • from $250,000 5 St. Joseph 416-928-0555 • • from $250,000 DNA 3 416-929-1030 • from $220,000 Downtown 416-598-5088 • from $210,000 12 Degrees 416-408-1200 • from $350,000 The Berwick 416-922-9425 from $280,000 The Grove 416-824-3390 • from $840,000 Riverside Towns 416-214-2000 • from $400,000 Riverside Towns 416-214-2000 • from $400,000 KEW Beach Living 416-690-0101 • • from $350,000 KEW Beach Living 416-690-0101 • • from $350,000 Studio on Richmond 647-352-7736 • from $300,000 Backstage on the Esplanade 416-777-2533 Backstage on the Esplanade 416-777-2533 Vero verocondos.ca from $250,000 Theatre Park 416-422-0333 • from $380,000 Theatre Park 416-422-0333 • from $490,000 Tableau Condominiums 416-591-8887 • • from $450,000 Tableau Condominiums 416-591-8887 • • from $350,000 King Charlotte 416-422-0333 • from $466,000 King Charlotte 416-422-0333 • from $312,000 Tableau Condominiums tableaucondos.com • • from $350,000 Carmelina 416-423-8500 • from $250,000 Yorkville Condominiums 416-987-3222 • • from $550,000 The Bond Condominiums 416-546-7525 • • from $300,000 Showcase showcaseliving.ca • from $210,000 L Tower 416-777-2533 • from $410,000 707 Lofts 707Lofts.com • • from $255,000 King + Condos 416-366-5464 • from $304,000 thirtytwo Camden 416-860-0060 • from $240,000 8 Gladstone 416-690-9009 • from $250,000 133 Hazelton Residence 416-487-9863 • Model Suite of the Month 416-487-9863 • 210 Simcoe 210simcoe.com • Karma 416-551-2744 • from $180,000 Karma 416-551-2744 • Rise 416-546-7399 • from $290,000 Model Suite of the Month • Neon 416-987-7878 • from $210,000 The Carlaw 416-690-8588 • from $200,000 Nero 416-792-6418 • from $300,000 Allure Condominiums allurecondos.ca • from $350,000 Allure Condominiums allurecondos.ca • from $350,000 1000 Bay 416-485-3000 • FAD Condos 416-815-1818 • from $250,000 South Hill on Madison Condominiums southhillonmadison.com • from $200,000 INDX 416-987-4639 • INDX 416-987-4639 • The Carnaby 416-690-9009 • from $250,000 TUX greatgulf.com/register • from $250,000 Noir menkes.com • 109OZ 416-531-4844 • from $280,000 The Hill 416-408-1200 • from $260,000 The Sterling thesterling1919.com • • from $200,000 101 Erskine 416--480-0700 • • from $250,000 Wallace Walk wallacewalktowns.com • from $210,000 The St Clements 416--778-7070 • • The Perry 416-926-7555 • from $390,000

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Finder 13H 14E 16m 15I 15L 15L 15L 17I 14M 14M 14B 17M 16J 14M 14M 9I 9I 9I 14G 14G 14L 14L 23J 13i 20J 20J 15M 15M 17N 18L 15I 12K 18L 18L 13N 15I 15I 14J 17M 17M 9j 9J 14M 17L 14M 14m 15K 18J 18J M14 15M 16m 12N 5L 13D 13D 15I 16J 16J 12N 15N 15L 14D 11O 19K 19K 24J 24J 15M 17M 17M 17M 16M 16M 15L 15L 15L 15L 15L 23J 15G 15G 19K 17L 12K 16L 14L M12 14I 14I 15M 15K 15K 12H 12H 14D 19K 13L 14F 14F 15J 14M 13I 16M 16M 12M 15M 15M 12M 11E 9L 14E 9L 21K

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torontoregionalmaps: Toronto, East York, York

# 30 32 41 46 52 52 52 54 55 55 57 58 62 64 64 66 66 66 70 70 73 73 74 78 81 81 83 83 88 94 99 100 101 101 102 103 103 104 106 106 109 109 110 114 115 115 118 120 120 122 124 128 130 131 132 132 134 135 135 136 139 141 142 143 144 144 145 145 150 151 151 151 152 152 153 153 153 153 153 154 155 155 156 157 160 163 165 170 173 173 175 182 182 184 184 185 186 187 188 188 190 191 193 195 195 197 198 198 207 208 210 216 217 218

101

1

2

3

4

5

6

7

8

A

9

10

11

12

13

14

15

16

17

18

101

Steeles Ave

19

21 22

23

24

124

96

25

26

121

99

33

b

20

North York c

14

400

2

135 37

124

40 8 50

1

128

4

401

d

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123

e

34

401

21

122

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130

98

125

132 25

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95

h

torontoregionalmaps: North York

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

102

#

Builder

1 121 122 123 124 2 4 4 4 4 6 6 6 6 6 8 9 14 21 28 33 34 37 40 43 43 50 50 86 94 95 96 96 99 101 122 125 128 130 132

Concord Adex Liberty Development Corp.

Lanterra Developments Brandy Lane Homes Tridel Corporation Torbel Group Tridel Corporation Tridel Corporation Tridel Corporation Tridel Corporation Concord Adex Concord Adex Concord Adex Concord Adex Concord Adex Conservatory Group Conservatory Group Torbel Group Tridel Corporation Tridel Corporation Castle Royale Development Malibu Investments Inc. Norstar Group of Companies Menkes Developments Inc. Monarch Corporation Monarch Corporation MintoUrban Communities Inc. Devron Developments Canderel/Stoneridge DHD Developments Aspen Ridge Homes ELAD Canada ELAD Canada The Brown Group of Companies Kantium Development Lanterra Developments Fram Building Group The Daniels Corporation Tribute Communities Fram Building Group/Cadillac Fairview

*TH: Townhomes, C: Condo

Site

Telephone

TH* C*

Price Range

Page

Opus 416-813-2999 • • 38-39 World on Yonge 905-771-7010 • from $284,000 36 Treviso II 416-787-8882 • from $220,000 27 The Station 416-398-9777 • from $450,000 60 Trio at Atria 416-645-8866 from $258,000 IFC The Avanti Condominiums 416-636-0400 from $375,000 Hullmark Centre 416-733-2883 • from $524,000 Avonshire Parkside 416-730-0300 • • from $579,000 Aristo at Avonshire 416-730-0300 • Aristo2 at Avonshire 416-730-0300 • from $299,000 Tango at Concord Park Place 416-813-2999 • • from $236,000 Discovery at Concord Park Place 416-813-2999 • Discovery II at Concord Park Place 416-813-2999 • • from $210,000 Tango2 at Concord Park Place 416-813-2999 • from $265,000 Corporate 416-813-2999 • • from $210,000 Pearl Condominiums 416-512-1818 • from $200,000 Platinum Towers 416-512-1818 • from $340,000 Diva DivaCondo.com Argento 416-663-1818 • Alto at Atria 416-645-8866 • from $288,000 The Palm Condominium Residences 416-306-1000 • from $400,000 Gramercy Park Condominium Residences 416-703-2202 • from $600,000 Portrait Condominiums 416-282-9600 • from $300,000 Gibson Square 416-730-9722 • from $363,000 Ultra at Heron’s Hill 416-495-3548 • from $200,000 Yorkland at Heron’s Hill 416-495-3548 • from $300,000 88 416-915-3805 • from $235,000 Flo Condominiums 647-799-0356 • from $250,000 Aura At College Park 416-962-8688 • from $500,000 Gooderham 416-361-1322 • from $410,000 Scenic on Eglinton 416-805-1781 • from $190,000 Emerald City Condominiums 416-492-0001 • from $250,000 Dreamtower At Emerald City 416-492-0001 • from $260,000 Willow Park at Bayview 416-221-6767 • from $466,000 Posh Condominiums 905-771-0134 • from $544,000 Treviso Condominiums 416-787-8882 • from $200,000 LIV Lofts 416-445-5638 • from $250,000 NY Place 416-221-3939 • from $250,000 Canterbury 647-352-2130 • • from $700,000 Flaire Condos 416-445-8868 • from $320,000

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Finder 22C A18 12F 12D 24C 17C 18D 18D 18D 18D 22C 22C 22C 22C 22C 17C 18C 11C 22e 25D 17B 13E 13C 17C 25D 25D 18c 18c 16K 18l 23G 24C 24C 21 16A 12F 22F 19C 19F 22F

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Need to update existing information? Please fax the details to (416) 789-9554

1

2

3

4

5

6

8

21 22

bio

26

al

e

Islington Ave

62

Kipling Ave

Martin Grove Rd

10

Bl

vd

1

401 2A

Rathburn Rd

8

44

d

50 14 51 34

70

Park Lawn

Queensway

Royal York Rd

35

11 53 3 56 39 4 37 6 33

Gardiner Expressway Evans Ave

Horner Ave

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

19

45 Bloor St W

Dundas St W

h

d

Etobicoke

409

Scarborough

ett R Scarl

Westway

ll R Mi

ve nA

40

Dixon Rd

46

Builder Great Gulf Homes Menkes Developments Inc. Lash Group of Companies Graywood/Beaverhall Development Monarch Corporation Davies Smith Queenscorp Residences Liberty Development Corp.

Empire Communities Tridel Corporation Pemberton Group Henderson Development Limited Monarch Corporation Conservatory Group Pemberton Group Carttera Camrost - Felcorp Camrost - Felcorp Green Hill Homes Mattamy Homes Georgian Monarch Corporation Empire Communities Beaverbrook Homes Tridel Corporation Amexon Development Corporation City Core Monarch Corporation Tridel Corporation Tridel Corporation Edilcan Development Corp.

Edilcan Development Corp.

Edilcan Development Corp.

Remington Group/Brown Group Remington Group Remington Group Alterra Homes/Finer Space Tridel Corporation Phantom Developments Your Home Developments VHL Developments Ltd. VHL Developments Ltd. Royale Grand Woodbine Developments MintoUrban Communities Inc. First Avenue Properties Lash Group of Companies

25

d

Re

QEW

*TH: Townhomes, C: Condo

24

nR

27

60

23

Finch Ave W

23

7

# 7 7 10 15 18 20 25 28 28 42 50 2 4 6 8 10 11 11 13 24 26 29 33 34 35 37 38 39 42 44 45 45 45 46 46 46 51 55 56 60 61 61 62 65 70 71

Al

Ranforth Dr

Av e

20

Humberline Dr

Da nf or th

19

xd

Centennial

28

18

East Ave Port Union Rd

Ki

17

Passmore Ave

lva

Sy

16

Beare Rd

Manse Rd

72

n

sto

RD

ng

Ki

Galloway Rd

St. Clair Ave 1

Orton Park Rd

Markham Rd

McCowan Rd

Bellamy Rd

Lawrence Ave E

Scarborough Golf Rd

n Dr

orto

15

427 Morrish Rd

71

* Due to scale restrictions, locators are d approximate. Please see builder’s ads n R for sto exact locations. ng

Victoria Park

g

Progress Ave

Brim

Eglinton Ave E

f

29

14

Sheppard Ave E Conlins Rd

2

Brimley Rd

Warden Ave

Pharmacy Rd

e

61

Birchmount Rd

d

Kennedy Rd

Ellesmere Rd

401 Midland Ave

42 55 401 31

Milner Ave

13

Meadowvale Rd

3

Sheppard Ave E

Ave

Morningside Ave

evin

McL

12 Reesor Rd

Huntingwood Dr

c

11 Sewells Rd

Finch Ave E

b

10

Neilson Rd

McNicoll Ave

9

Tapscott Rd

McCowan Rd

A

7

65

Lakeshore Blvd W

Site Telephone TH* C* Price Range Page Finder One Sherway Condominiums 416-695-3535 • from $273,000 22-23 16G One Sherway Condominiums 416-695-3535 • from $273,000 22-23 16G Cloud 9 Condominiums cloud9condos.ca • from $220,000 112-113 22B Ocean Club 416-255-4663 • from $229,000 117 25C Lago 416-495-3544 • from $300,000 Insert 24c Eleven Superior 416-259-8882 • from $200,000 135 23C Watermark 416-354-2221 • from $320,000 123 19D Terrace on Danforth 416-987-7575 • 37 2F Eau Du Soleil empirecommunities.com/eaudusoleil • from $250,000 6-7 25B Ventus at Metro Gate 416-293-5535 • from $342,000 BC 4c Vivid 416-239-8200 • from $250,000 8 23F Centro 416-296-1898 • from $185,000 6D Nautilus at Waterview 416-495-3544 • from $400,000 25H Altitude 416-321-1659 • from $230,000 25H Palais at Port Royal Place 416-239-8200 • from $260,000 23F Cloud 9 Condominiums cloud9condos.ca • from $220,000 22B ilofts at Mystic Pointe 416-251-8888 • from $310,000 25G California Condos 416-251-8888 • from $242,000 25g Princeton Manor 905-849-1818 from $210,000 6G Summerside mattamyhomes.com • • from $159,000 3F King’s Way at Swansea Village 416-766-4683 • from $188,000 24G Encore 416-495-3543 • from $200,000 5D Beyond The Sea Star Tower Condominiums 416-979-1333 • • from $400,000 24H Evolution 416-747-9691 • from $250,000 22G Parc Nuvo at Essex 416-231-0999 • from $398,000 22g South Beach 416-252-3000 from $209,000 25H Harmony Village Sheppard 416-493-0123 from $170,000 2C Waterscapes 416-495-3544 • from $390,000 26H Metrogate Townhomes 416-293-5535 • • from $427,000 4C West Village 416-620-1887 • from $260,000 21F One Valhalla 416-233-5554 • from $239,000 21F Thunderbird 416-233-5554 • from $240,000 21F Triumph At One Valhalla 416-233-5554 • from $230,000 21F IQ IQcondos.com • from $190,000 22G The Masters mastercondos.com • from $200,000 22G Park Towers at IQ 416-253-5838 • from $200,000 22G Westwood Condominiums westwoodAlterra.com • from $300,000 23F Avani At Metrogate 416-293-5535 • from $248,000 4C Jade Condominiums 416-762-8818 • from $250,000 24G Nature’s Path 416-745-6686 • • from $270,000 11E 2150 Condos 416-750-2150 • from $189,000 3E Haven On The Bluffs 416-2621-9555 • from $160,000 3E Lexington 416-638-8444 • from $240,000 21C South Shore mintosouthshore.com • from $300,000 22H Qube Condos 647-351-7823 • from $200,000 24G Me 647-693-7563 • from $150,000 8D

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to (416) 789-9554

torontoregionalmaps: Scarborough, Etobicoke

103

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5

6

7

8

9

10

11

12

13

14

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21 22

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26

Park

Ave

Do

25

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20

11

St

2

6

Jarvis

QEW

16

17 shore Lake W Blvd

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3

14

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Toronto Waterfront

h

waterfrontmaps: Toronto

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

104

#

Builder

1

Pemberton Group

Park Lake Residences

Site

416-769-4343

• • from $250,000

3F

2

Monarch Corporation

Nautilus at Waterview -

416-495-3544

• from $400,000

5f

3

Cresford Development Corp.

NXT2/Phase Two

416-977-5300

• • from $210,000

4E

3

Cresford Development Corp.

NXT at Windermere By The Lake

416-977-5300

• • from $300,000

11f

6

Plazacorp/Berkley Community

West Harbour City

westharbourcity.com

• from $327,000

13E

7

Lifetime Homes

Waterparkcity – Neptune

416-203-3700

•

13f

8 Concord Adex

Grand Parade 2 at Concord CityPlace

416-813-0999

•

14f

8

Concord Adex

Quartz

416-813-0999

• •

14F

8

Concord Adex

ParadeTWO Tower Residences

416-813-0999

14f

8

Concord Adex Grand Parade at Concord CityPlace

416-813-0999

• from 293,000

14F

8

Concord Adex

Panorama at Concord CityPlace

416-813-0999

• from $389,000

14F

8

Concord Adex

Panorama Elite Suites at Concord CityPlace

416-813-0999

• from $1,135,000

14F

8

Concord adex

ParadeTWO Park Collection at Concord CityPlace

416-813-0999

• from $308,000

14F

8

Concord Adex

Luna Vista at Concord CityPlace

416-813-0999

• from $2,213,000

14F

8

CONCORD ADEX

Spectra

416-813-0999

• •

14F

9

Conservatory Group

Infinity Condominiums

416-214-1988

• from $250,000

14f

11 URBAN CPITAL

River City 2

416-862-0505

• from $250,000

16E

14 CANALFA GROUP

Liberty Central by the Lake

416-537-0047

• from $200,000

10F

14 Canalfa Group

Liberty on the Park Condominiums

416-537-0047

• from $363,000

10F

15 Malibu investments inc.

LTD

416-601-2223

• from $200,000

12F

16 CAMROST FELDCORP California Condominiums

sunsetcondos.ca

• from $280,000

24C

18 Fernbrook Homes/Cityzen Dev.

416-367-3456

• from $300,000

11F

Pier 27 Residences On The Lake

21 GREAT GULF Monde *TH: Townhomes, C: Condo

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Telephone

mondegreatgulf.com

TH* C*

Price Range

• from $287,000

• • from $300,000

Page

Finder

15E

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to 416-789-9554

Phillip Mur

TH* C*

Price Range

og

Scug

Manvers

Page

Finder

Scugog

416-255-4663 48

• from $229,000

117

416-259-8882

• from $200,000

135

Whitby

Oshawa

25C

Newcastle 23C

W

Rd

e or

ly Bay

E

W Rd e

La

monarchgroup.net

• from $280,000

insert 401

24C

25 queenscorp residences

Watermark

416-354-2221

• from $320,000

123

19D

28 EMPIRE COMMUNITIES

Eau Du Soleil

empirecommunities.com/eaudusoleil

• from $210,000

6-7

25B

5

United lands

Stonebrook Condominiums

905-822-8858

• from $270,000

9E

8

chestnut hill development

San Francisco By The Bay

905-831-3631

•

• from $180,000

23J

10 Pemberton Group

Bluwater Condominiums

416-987-8800

• from $350,000

5J

11 Monarch Corp.

Waterscapes

416-495-3544

• from $390,000

25C

13 GREEN HILL HOMES

Princeton Manor

905-849-1818

• from $210,000

6G

14 Phantom Developments

Jade Waterfront Condos

416-251-0707

• from $250,000

24G

Attention Builders - Want to add your community to our maps?

Need to update existing information? Please fax the details to 416-789-9554

waterfrontmaps: GTA

Rd

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Bu

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Park Rd S

Lake

Uxbridge

Si

Bloor St

Lindsay

Lago

Highlighted listings are advertised in this issue of Condo Guide.

Please refer to page number for complete information.

Stevenson Rd

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condo watch

continued…

Imperial Plaza

by Camrost Felcorp

Sixteen-foot loft living at Yonge and St. Clair.

Register today.

Web: 16FootLofts.ca/cg

previews & registrations 365 Church

by Menkes

416

Builders: If you would like to include your preview registration, new release or site opening in this feature, just email the details to susan.legge@wall2wallmedia.com

Indx Condos

by Lifetime & CentreCourt Developments

Coming soon to Bay and Adelaide. Register now to stay informed.

Web: IndxCondos.com

Jade Waterfront Condos

by Phantom Developments

In the heart of the action. Coming soon to Church and Carlton. Register now.

Web: Menkes.com

Opening soon on the Etobicoke waterfront. Register now to stay informed.

Web: JadeWaterfrontCondos.com

The Britt

by Lanterra Developments

Noir Condos

by Menkes

Condos with European flair coming soon to Bay and Wellesley. Register now.

Web: SunsetCondos.ca

Coming soon to the heart of Toronto, at Peter and King. Register now.

Web: Menkes.com

California Condos

by Camrost Felcorp

One Park Place

by Daniels Corp.

Register now for the Sunset Collection at California Condos in south Etobicoke.

Web: SunsetCondos.ca

Coming this spring, the “one” place to be in downtown east. Register now to stay informed.

Web: DanielsOneParkPlace.com

The Carnaby

by Streetcar

Sixty Colborne

by Freed Developments

Inspired by London; coming soon to trendy Queen West. Register now.

Web: CarnabyLofts.com

A block from everything at King Street East and Church Street. Register now.

Web: SixtyColborne.com

Cinema Tower

by Daniels

South Hill on Madison

by Burnac

World-class condo in the heart of the Entertainment District. Register now.

Web: CinemaTowerCondos.com

Coming soon to the coveted Casa Loma neighbourhood. Register now.

Web: SouthHillOnMadison.com

Context King West

by Context

Tao

by SigNature Communities

Coming soon to King West – community and design for everyone. Register now.

Web: ContextKingWest.ca

Boutique condos on Bayview in Richmond Hill.

Coming soon.

Web: TaoCondos.ca

Dragon Condos

by Ideal Developments

Ten York

by Tridel

Register now to enjoy “legendary living” at Dundas and Spadina.

Web: DragonCondos.com

Rising above it all at York and Harbour.

Register now for your private oasis.

Web: TenYork-condos.ca

Eau Du Soleil

by Empire Communities

Tux

by Great Gulf

Surfacing soon: one of Canada’s tallest and most iconic waterfront condos. Register online.

Web: EauDuSoleilCondos.com

Rising 40 storeys at King and Blue Jays Way. Take the next step – register now.

Web: GreatGulf.com/register

The Epicurean

by Monarch Corp.

The Upper Canada Condominium

by State Building Group

A stylish new condo for local foodies in Bloor West Village. Register now.

Web: MonarchGroup.net

Coming soon, affordable luxury at Avenue Road and Lonsdale. Register now.

Web: UpperCanadaCondo.com

Fabrik

by Menkes

Vivid

by Pemberton Group

Register now for this fashionable new condo, steps from Toronto’s trendy Fashion District.

Web: Menkes.com

Affordable luxury living at Bloor and Islington.

Register now.

Web: VividCondos.com

FAD Condominiums

by Tri-Win

Yonge & Rich

by Great Gulf

Fashion District Condominiums, coming soon to this trend-setting hot spot.

Web: FadCondo.ca

Live at the centre of it all at Yonge and Richmond. Register for a preview.

Web: YongeandRich.com

Yorkville Plaza

by Camrost Felcorp

Grand opening at this iconic address.

Offering the best things in life right outside your door.

Web: YorkvillePlaza.com 106 new Condo Guide march 9 - 23, 2013

NOW UNDER CONSTRUCTION DOWNTOWN’S ROARING SUCCESS ADELAIDE ST. W.

WELLINGTON ST. W. WINDSOR ST.

NEW PRESENTATION CENTRE: 24 MERCER ST. MON-THURS: 12–6PM FRI: CLOSED SAT–SUN: 12-5PM

CLARENCE SQUARE

MERCER ST.

UNIVERSITY AVE.

416.597.6940

NEW JOHN ST.

THEMERCERCONDOS.CA

KING ST. W. BLUE JAYS WAY

CONDOS AT KING & JOHN FROM THE MID $300’S*

SPADINA AVE.

VISIT THE NEW PRESENTATION CENTRE TODAY!

WIDMER ST.

PETER ST.

Excitement is building at THE MERCER, with construction under way on downtown’s most successful condominium. A great selection of Suites from studios to 3-bedrooms still available.

PEARL ST.

FRONT ST. W.

EXCLUSIVE BROKER MILBORNE REAL ESTATE INC. BROKERS PROTECTED. *PRICES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ILLUSTRATIONS ARE ARTIST CONCEPT. E.&O.E.

march 9 - 23, 2013 new Condo Guide 107

ETOBICOKE’S NEWEST LANDMARK

PREVIEW OPENING

IT’S NEW! IT’S 2!

Perspective Condominiums, Etobicoke’s Landmark community is building on the success of our first tower. Construction on building 1 is beginning, making way for the launch of our

grand finale - Tower 2. Inspired and spacious interiors, truly spectacular panoramic park and city views, fabulous club like amenities, elegantly appointed suites with open concept

SCARLETT RD.

kitchens, spa-like baths and grand terraces, it’s all here for you at Perspective 2.

401 EGLINTON AVE. W DUNDAS ST. W

BLOOR ST. W

PRINCE EDWARD DR.

ISLINGTON AVE.

427

$ FROM

279

900 uP TO A MILLION

NEW PREVIEW CENTRE

2893 BLOOR ST. W. AT PRINCE EDWARD DR. Hours Mon. - Thurs.: 12pm-6pm Sat. - Sun.: 12pm-5pm; Fri.: Closed

perspectivecondos.ca 416.242.3500

108

*Prices and specifications subject to change without notice. See sales representatives for details. Renderings and images are for mood and impression only. E.&O.E 2013.

march 9 - 23, 2013 new Condo Guide 109

condo profile

Extra! Extra! Read all about it…

The Madison’s New Extra-Wide Suite

110 new Condo Guide march 9 - 23, 2013

c

onsidered to be one of Toronto’s most successful new condominium projects, The Madison sits in the heart of the Yonge and Eglinton neighbourhood. This midtown neighbourhood has it all: park land, high ranking schools, places of worship, great shopping, trendy restaurants, lively bars and entertainment venues. Just steps away from the Yonge and Eglinton subway station, this location gets you into the downtown core within minutes. But location is only part of the story.

To make this spectacular new suite offer even better, Madison Homes is offering purchasers the opportunity to provide a deposit of just five per cent with their offer, and an additional five per cent in 90 days.

A final 10 per cent will not be owed until occupancy, which is scheduled for the summer of 2015.

The Madison has just unveiled two new extra-wide, twobedroom-plus-den suites on the 31st and 32nd floor of the East tower. This new suite design offers spectacular, unobstructed south-facing views of the city from a 200-sq.-ft. private balcony that runs the entire width of the suite. A bright, spacious and airy open concept kitchen, dining-living area with floor-to-ceiling glass windows is enhanced by tall 10-ft. ceilings. These Madison suites come complete with all the bells and whistles. Kitchens feature a breakfast bar and a full suite of stainless steel appliances: built-in wall oven and cooktop, a microwave hood fan, dishwasher and frost-free refrigerator. Cabinetry will be sleek and contemporary

with flat-panel doors and chrome lever handles.

Buyers can choose from a specially designed selection of finishes and colours. Bathrooms boast custom-designed cabinetry with mirrored medicine cabinets, Caesar Stone countertops with undermount sinks and single-lever faucets. The suites also feature an oversized master ensuite with a frameless glass enclosed shower and his-and-her walk-in closets.

What makes these two suites even more desirable is that The Madison is currently offering, for a limited time only, one parking space and one locker included in the purchase price, which starts from $745,900 on the 31st floor.

To make this spectacular new suite offer even better, Madison Homes is offering purchasers the opportunity to provide a deposit of just five per cent with their offer, and an additional five per cent in 90 days. A final 10 per cent will not be owed until occupancy, which is scheduled for the summer of 2015.

“This is an exceptionally attractive offer, especially for a development of this calibre”, says Nelly Zagdanski of Madison Homes. “And it makes home ownership even easier than ever.”

The Madison offers buyers unprecedented amenities, from extensive leisure areas to at-grade retail spaces, all in a fantastic neighbourhood. Loblaws will occupy 40,000 sq. ft. in The Madison. That means residents can enjoy an international food shopping experience right at their doorstep. Whether they are seeking the freshest produce and bakery items, the catch of the day, gourmet pre-prepared dinners, or deli counter delights, The Madison’s residents will have easy access to a wide variety of the best quality foods.

Don’t miss your opportunity to live at Yonge and Eglinton, Toronto’s most desirable intersection. Anyone interested in owning a suite at The Madison should visit the sales presentation centre located at 90 Eglinton Avenue East, ground floor, open noon to 7 p.m. from Monday to Thursday; noon to 6 p.m. Saturday, Sunday and holidays, and by appointment only on Friday.

Visit madisoncondos.ca or call 416.482.8090.

Brokers protected. march 9 - 23, 2013 new Condo Guide 111

Live It Up In Etobicoke

NEW IKEA FURNISHED Model To View

$

FROM THE LOW

’ 200 s

‡

WESTHUMBER BLVD.

401

112 new Condo Guide march 9 - 23, 2013

400

R. IE D RR KIPLING AVE.

Hours: Mon - Thurs: 12 - 6pm Fri.: Closed Wknds. & Hol.: 12 - 5pm

HWY 27

60 Esther Lorrie Dr., Etobicoke

ESTHER LO

Presentation Centre:

MARTIN GROVE RD.

FINCH AVE. E.

Let’s Make A Deal YOUR CHOICE . I KE A G IF T CA RD . CASH B ACK or EASY DOWN PAYMENT

Etobicoke’s best value. Now your choice of spectacular suite designs and our amazing “Let’s Make A Deal” package. The time to buy is now. Life on Cloud9 includes the exceptional rooftop Club9 including indoor pool party room, fitness centre outdoor lounge and so much more. Now take advantage of one of our special buyer’s incentive bonus package. This year join the 150 purchasers who are living it up on Cloud9 !

UP TO

BUY FROM ONLY

$

999 Per Month

00 *

.

OR

OR

10 ,000 IKEA GIFT CARD $

*

$

8000

*

Cash Back

UP TO

cloud9condos.ca

•

416.747.0199

*Speak to a sales representative for details. For a limited time only and may be withdrawn at any time without notice. Information is correct at press time. ‡Prices and specifications are subject to change without notice. Exclusive Listing Broker, The Condo Store Realty Inc., Brokerage. Brokers Protected. E.&O.E. 2013.

march 9 - 23, 2013 new Condo Guide 113

CHINESE HOME & CONDO GUIDE 二月二日至三月十六日 Feb 2 - Mar 16, 2013

Chinese home and condo buyers and investors now have a new comprehensive, full gloss real estate magazine to inform and guide them through the buying process in the Greater Toronto Area.

Launched in 2012, the Chinese New Home and Condo shopper and investor will have a valuable new resource to help inform and guide them through the newest communities in the Greater Toronto Area.

Pick Up Your Copy Today or call us for a free copy at 416.626.4889!

動 • 416 與 905 區之比試 蛇年運程 • 大多市各商場賀年活

FA.indd 1 KEN2 27715 Condo Guide Cover 3 2.indd 1 GTA Chinse Front Cover_02021

114 new Condo Guide march 9 - 23, 2013

2013-01-15 3:40 PM 1/28/13 4:48:27 PM

ins w s t t the e a e r r t a s . e B eY h t s! f A o B t H c e O Proj 2012

This must be what it feels like to win big at the Academy Awards! On September 24th, B.streets was recognized with five awards at the 2012 OHBAs in Collingwood, the Oscars of the real estate world.

Our big wins included Best Ad Campaign, Best Logo, Best Brochure, Best Sales Office, and Project of the Year! We proudly share this honour with all of our supporters. There is still a great selection of incredible suites available. Book your private appointment today and make B.streets your home base.

NOW UNDER CONSTRUCTION. From the low $300’s.

By appointment at 385 Madison Avenue

MACPHERSON AVE.

MADISON AVE.

Condos at Bloor & Bathurst

PRESENTATION CENTRE

AVENUE RD.

B streets

™

BATHURST. ST.

BSTREETSCONDOS.COM 416.53.CONDO [ 532.6636 ]

DAVENPORT RD.

DUPONT ST.

BLOOR ST.

B streets Condos at Bloor & Bathurst

EXCLUSIVE BROKER: MILBORNE REAL ESTATE INC. PRICES & SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. E.&O.E. CREATIVE: LA-ADS.COM

march 9 - 23, 2013 new Condo Guide 115

people

STEPHEN PRICE

becomes president and ceo of Graywood appointed president and Chief Executive Officer of Graywood Developments Ltd., the Toronto-based real estate investment management company.

Price joined Graywood in 2007 as Senior Vice President, Corporate Development, and was promoted to Chief Operating Officer in 2008 with responsibility for Graywood’s growth and operating strategies.

During his 23 years in the real estate industry, Price has held senior management positions in private and public companies with a focus on investments, development and asset management. He holds an Honours Business Administration degree from the Richard Ivey School of Business, University of Western Ontario and is a CFA Charterholder.

With offices in Toronto and Dallas, Graywood has in excess of $1.5 billion in residential and commercial properties under development and management in Toronto, Dallas and Columbia.

Stephen Price has been

Stephen Price holds an Honours Business Administration degree from the Richard Ivey School of Business, University of Western Ontario and is a CFA Charterholder

116 new Condo Guide march 9 - 23, 2013

OWN THE BEST ADDRESS ON FROM THE WATER ONLY $228,900* INCLUDING PARKING AND LOCKER

NOW UNDER CONSTRUCTION! WATERFRONT LIVING IS CLOSER THAN YOU THINK Don’t miss your opportunity to be a part of Toronto’s most successful waterfront condominium! NOW UNDER CONSTRUCTION, Ocean Club offers a great selection of suite designs and exquisite condominium living with gorgeous finishes, resort style amenities and is just steps from parks, trails, shopping, marina, dining and more.

DON’T MISS OUT! Oceanclubcondos.ca Call 416.255.4663 or email oceanclub@bakersales.info to book your private appointment

*See Sales Representative for more details.

Exclusive Listing: Baker Real Estate Incorporated, Brokerage. Brokers Protected.

Prices and specifications are subject to change without notice. Illustration is artist concept. E. & O.E.

march 9 - 23, 2013 new Condo Guide 117

condo profile

Everything Is Better With A Little Spice New condo coming soon to a great Scarborough location

i

f you’re looking to add a little bit of stylish urban flavour to your life, then Scarborough’s all-new Spice condominium community might just be right for you. This latest development from the wellrespected team at YYZed Project Management offers the ultimate in

distinctive urban flair at an ideal Scarborough address, just minutes from a wide range of exceptional area amenities. And with a great selection of suites to choose from, you’re sure to find something that fits your distinctive taste at Spice. continued on page 120…

condo profile

continued…

Those in search of a convenient urban lifestyle will love the many wonderful amenities located just minutes from Spice.

Nearby Scarborough Town Centre offers a great selection of popular retailers, and Famous Players Coliseum Cinema features all the latest Hollywood blockbusters.

Located on Kingston Road, just south of Lawrence Avenue East, Spice is a sophisticated structure of glass, concrete and steel. Large floor-to-ceiling windows fill each and every suite with light and warmth, and charming balconies and rooftop terraces allow residents to enjoy the simple pleasures of relaxing outside on a warm summer day. The suites themselves offer a delicious array of stylish contemporary features and finishes.

Offering gourmet kitchens, lavish master suites and desirable openconcept floorplans, these suites are designed to satisfy even the most refined palates.

In addition to stunning suites, Spice also offers an impressive array of building amenities. With a

state-of-the-art fitness room, a party room, an outdoor terrace with barbecue and more, Spice lets you get the most out of life without ever leaving home.

One of the fine suites available at Spice is Jasmine.

This 723-sq.-ft., one-bedroom plus den design offers the finest in open-concept urban living. One enters through the front door to discover an amply sized foyer, complete with a spacious closet and access to an in-suite washer and dryer. Adjacent to the foyer is the den, which features a large closet. Just past the foyer is the main bathroom, featuring a large soaker tub and ceramic tiles. Across from the bathroom is the kitchen, featuring granite countertops, a complete builder appliance package, a convenient kitchen island and more. In the master suite, prospective homebuyers will be pleased to find a separate ensuite bathroom.

Those in search of a convenient urban lifestyle will love the many wonderful amenities located just minutes from Spice. Nearby Scarborough Town Centre offers a great selection of popular retailers, and Famous Players Coliseum Cinema features all the latest Hollywood blockbusters. Popular restaurants such as Jack Astor’s, Milestones, The Keg and more are all close by, and a number of neighbourhood parks offer great opportunities to get outside. For those commuting downtown or elsewhere in the GTA, nearby Hwy. 401, TTC and GO Transit all make it easy to get exactly where you’d like to go.

Spice’s builder, YYZed Project Management, is one of Canada’s leading project and construction management companies. Some of its recent highrise condominium developments include Vaughan’s Expo City and a 25-storey student residence building being developed for Ryerson University in Toronto.

For more information on Spice and other YYZed developments, visit yyzed.com.

feb 23 - mar 9, 2013 new Condo Guide 120

383 Sorauren is A modern, stunning, and well-designed boutique condo coming to Roncevalles.

Live a short walk to all the best parks, retail, coffee houses, and restaurants.

Register today at 383sorauren.com

Exclusive Listing Agent: Jennifer Bowman, MarketVision Prices, sizes, and specifications subject to change without notice. E. &. O.E. Illustration is artist’s impression. march 9 - 23, 2013 new Condo Guide 121

MARKET STUDY

Affordability not a barrier for average condo buyer

in toronto: BMO Affordability is not a major

problem for the median-income family seeking to buy a condo in Toronto – or a detached home in three-quarters of Canada’s housing market – according to a new report from BMO Economics. The report goes on to say that affordability should not become a problem even when rates normalize.

“Nationwide, mortgage payments on the average-priced house consume a moderate 28 per cent of household income – 23 per cent for people living outside Vancouver and Toronto,” says Sal Guatieri, Senior Economist, BMO Capital Markets. “This matches the long-run norm of 28 per cent, suggesting that rising income and falling mortgage rates have largely offset the deterioration in affordability caused by higher prices.”

Elevated valuations, combined with record household debts, could prove troublesome in the event of a recession or interest rate shock 122 new Condo Guide march 9 - 23, 2013

However, Guatieri says that the same can’t be said for single-family homes in Vancouver, Toronto and Victoria. “A typical family striving to purchase a single-family house in Vancouver would have to spend four-fifths of their income on mortgage payments, which explains why they can only dream of buying a detached house in Vancouver,” says Guatieri. “In Toronto, a hefty 43 per cent of median income is required to service a mortgage on an average singlefamily home, up from 40 per cent eight years ago.”

Mr. Guatieri says these cities are vulnerable to a material correction if income or rates move adversely.

He says that while affordability may not be a big problem for most of the country, policy makers should remain vigilant. “Elevated valuations, combined with record household debts, could prove troublesome in the event of a recession or interest rate shock.”

However, Guatieri still expects that concerns over a national housing bubble should begin to deflate. “If interest rates remain low, income continues to rise, and prices stabilize this year – as we anticipate – fears of a deep housing correction should recede.”

Sameh Elrefaei, Head of Mortgage Products, BMO Bank of Montreal, says while the report gives reason for potential buyers in most regions to be optimistic, Canadians should continue to make responsible home financing decisions. “Recent data show that the best way to ensure long-term housing affordability is by locking into a longer-term fixed-rate mortgage with the lowest amortization period possible,” he says.

Ontario Home Builders’ Association Award Winner

THE MOST OUTSTANDING MID-RISE BUILDING IN 2012 NOW UNDER CONSTRUCTION Designed to be a hallmark building featuring timeless elements of traditional architecture combined with modern sensibilities of design and function, this exclusive community will be located just steps from Lake Ontario’s waterfront. With easy access to public transit and several major highways, Watermark promises to be the perfect place to call home.

1 Bedroom • 1 Bedroom + Den • 2 Bedroom • 2 Bedroom + Den – from 649 sq.ft. to 1,225 sq.ft.

FROM THE LOW

$300’s

queenscorp.com

|

416.354.2221

All prices & specifications are subject to change without notice. E.&O.E. All Illustrations are artist’s concept only. Brokers Protected.

Long Branch

Monday to Thursday 1:00pm to 7:00pm Saturday, Sunday and Holidays 12:00pm to 5:00pm

N

Brown’s Line

3609 Lake Shore Blvd. W., Suite 104, Toronto, ON

Thirty Fifth St.

P R E S E N TAT I O N C E N T R E

Kipling Ave.

Watermark Lake Shore Blvd. W.

march 9 - 23, 2013 new Condo Guide 123

Scrumpdillyicious

Leslie Styles, foodie and travel aficionado, shares some delicious dishes found on her travels around the world

Tagliolini Verde

Gratinati al Prosciutto Directions Preheat broiler. Put water on to boil for pasta.

Melt 1 tbsp of the butter in a copper pan, or skillet, over medium-high heat.

Add the prosciutto and cook it for a minute, stirring constantly.

Cook the pasta in the boiling water until al dente.

Drain it well in a colander, and put it in a copper pan or skillet.

Toss it with the prosciutto, add another tbsp of the butter, sprinkle with half the parmigiano and toss well.

Spread the pasta evenly in a casserole dish. Spoon the béchamel sauce over the top and sprinkle with the remaining parmigiano cheese.

Cut the remaining butter into bits and scatter over the top.

was taking the vaporetto to the small island of Torcello, located at the northern end of the Venetian lagoon, where we had luncheon reservations at Locanda Cipriani, a long-time favourite with English royalty and Hollywood stars. The vaporetto departed from Fondamenta Nove near St. Mark’s Square, stopping along the way at the Lido and continuing through to the charming island of Burano. Arriving at Torcello by a small traghetto from Burano, we walked along the picturesque inland canal, past the Ponte del Diavolo, and arrived at Locanda Cipriani at noon. We were escorted to a beautiful outdoor terrace overlooking a rose garden with hanging wisteria and grape-lined trellises, and being one of the first people to arrive, were seated at a lovely table along the edge of the rose garden overlooking the spectacular 11th century church of Santa Fosca! Starting with a campari and soda, we perused the menu and finally ordered an unforgettable Tagliolini verde gratinati al prosciutto, rich with prosciutto, cream, cheese and butter. It was absolutely delicious. But be warned, a small portion goes a long way. Here is the treasured recipe that was given to me by the chef. Buon appetito!

one of the highlights of a recent stay in Venice,

ingredients

Serves 2

› 3 tbsp butter › ½ cup prosciutto, thickly cut and julienned › 3/4 lb dried tagliolini pasta

124 new Condo Guide march 9 - 23, 2013

› ½ cup parmigiano cheese, freshly grated › ½ cup Béchamel sauce › Salt and fresh ground pepper to taste

Béchamel Sauce

› 2 tbsp butter › 2 tbsp flour › 1 cup whole milk

Broil as close as possible to the heat source, or 475°F, until golden and bubbly about 3-5 minutes. Serve immediately.

Béchamel Sauce

Put a small saucepan on medium heat and place butter in, add flour and mix well.

Using a wooden spoon, stir for 2-3 minutes to cook away the flour taste before adding 1 cup of milk.

Whisk constantly to avoid lumps.

Use more milk for a looser sauce.

Leslie Styles is president of Styles Design Inc., a Toronto-based branding and communications agency, and author of Scrumpdillyicious, a food & travel blog dedicated to all things delicious. She can be reached at stylesdesign.net and scrumpdillyicious.blogspot.com

Imagine REGISTER TODAY!

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125

decorating tips

Small bathroom?

// by Jackie Morra

Think outside the (tiled) box

A Designer, Jackie Morra is a celebrity guest speaker at numerous events, has appeared on TV and has written décor articles that have been featured nationally. More information about Jackie is available at jackiemorrainteriors.com

small bathroom can be a challenging space to renovate and redesign, particularly when you are trying to juggle style and functionality.

But redesigning a bathroom is all about using the space efficiently, based on your own requirements. Do you shower or take baths? Is your bathroom a shared space that is high traffic? Is storage and/or clutter an issue? Are you trying to create a certain feel in the room? All of these are valid concerns in creating a multi-functional bathroom.

While it takes some know-how, product ingenuity and creativity to think outside of that tiled, diminutive box, there are several ways to make your water closet feel more spacious, comfortable and organized:

› Image is Everything Reflective surfaces will help offer a feeling of

openness in the room making the space seem more expansive, especially if there isn’t any natural light filtering in. Consider a wall-hung, mirrored cabinet that will provide additional storage as well as reflectivity.

Generally, a bigger mirror will create a room with a more open feeling by reflecting light throughout. It’s also easier to share a huge mirror during the morning rush, when time is a commodity. › More is Less Having more storage means less clutter. Vanities with

multiple purposes, that have plenty of drawers, and that take up a small footprint in the bathroom can make all the difference for maximizing storage. Using vanities that are mounted on the wall provides more floor space, making the area seem larger. The use of shelving above the vanity can also offer much needed storage. Other options include recessed cabinetry and shelving, over-the-toilet shelving, and strategically placed hooks and racks.

› Layout If budget and time permit, redesigning the bathroom layout is a way to optimize everyone’s needs. A bathtub that is underused is space consuming and can be replaced by an enclosed shower that takes up half the space. Adding glass enclosures to the shower further creates a sense of space. Another common dilemma in tight surroundings is the swing of a door; this is where the integration of pocket or sliding entry doors would be a welcome change. Even the addition of a window or skylight (if allowed by the building) can be a great source of natural light. › Paint and Tile Colour For smaller spaces, select lighter, monochromatic

paint and tile colours to create an open space through seamless transitions. Use the same tone of tile on the floor, backsplash and shower/ tub surrounds. Having too many contrasting hues in a room will only

126 new Condo Guide march 9 - 23, 2013

Lack of space does not have to be a limitation; instead, in can be an opportunity to showcase your own style, resourcefulness and ingenuity.

accentuate a compartmentalized feeling. In a smaller space, areas should complement one other, not stand out on their own. Making the palette monochromatic allows areas to play off each another, with one flowing into the next. Bolder complimentary and contrasting colours can be used in areas such as accessories, artwork and towels. › Bright Ideas Illuminating a space with proper

lighting that is functional and versatile is key to space perception. The lighting in a bathroom should be unobtrusive; dangling ceiling fixtures or large protruding wall sconces accentuate the lack of space.

It is best to use recessed task lighting in specific areas like the shower and above the sink, vanity and toilet.

Having the lighting on a dimmer can also help control the feel of the room to prevent glare and control overhead light intensity.

› Perception is Reality

An organized, neat bathroom always appears more expansive and spacious than one that is unkempt and messy. Be sure to put everything in its place and remove any clutter. Keep only the necessities on the counter and shelves. Avoid displaying decorative soaps, creams, and potpourris that are seldom used and collect dust.

Once a year, clear out all expired and unused products, toiletries and medications to free up space.

Lack of space does not have to be a limitation; instead, in can be an opportunity to showcase your style, resourcefulness and ingenuity. march 9 - 23, 2013 new Condo Guide 127

Lanterra Developments has been featured as “model suite of the month� in the new condo guide model suite calendar

Building A Better World Model Suite Compliments of Lanterra Developments www.lanterradevelopments.com

The Britt Condominium. British Inspired Living - The Byron, 493 sq. ft, one-bedroom suite. 955 Bay St, Toronto.

March2013

homebuyers’ help

condo buyers’

resource section

You love the condo, see what you can afford!

Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

march 9 - 23, 2013 new Condo Guide 129

homebuyers’ help

Calculate your mortgage payments interest rate

amortization period

chart figure

mortgage amount ÷ 1,000

monthly payment

example: 5%

25 years

5.82

125 (mortgage amount $125,000)

$

Follow these steps to see if you’ll qualify for a mortgage on your dream condo 01 Calculate the combined monthly before-tax income of you and your spouse.

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

03 Take the total price of the condo and subtract the amount of money you expect to make as a down payment.

This is the money you will have to borrow.

130 new Condo Guide march 9 - 23, 2013

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

05 Multiply this figure by the amount you need to borrow.

Divide by 1,000.

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

07 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 condo.

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.

Mortgage payment calculation chart amortization periods

%

Interest Rates

10 years

15 years

20 years

25 years

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75%

14.59

12.28

11.31

10.85

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 march 9 - 23, 2013 new Condo Guide 131

homebuyers’ help

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 2.8

4 6.30op

3.1 6.30op

3.14 3.7 4.39 6.50op

3.19

Alterna Svgs/Alterna Bk 3

4 6.30op

3.05 3.09 3.09 3.29 6.30op

3.24

Bank of Montreal 3.1

4 6.30op

3 3.04 2.79 2.99 6.30op

3.09

Bank of Nova Scotia 3

4.55 6.45op

3.75 2.69 3.99 4.39 6.50op

4.99

Canadian Western Bank

4 6.45op

3 3.04 3.65 4.64 6.30op

5.24

CIBC 3.2

6.70op

3 3.14 3.65 2.99 6.35op

5.24

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

3.15

3.65

3.64

3.69

3.44

3

3

2.79

3.25

3.08

3.09 3.14 3.7 3.64 6.30op

3.79

3 3.05 3.1 3.1 4.00op

3.09

MonCana Bank

2.94

2.99

3.04

National Bank n/a

3.1 3.14 3.7 3.19 6.30op

3.79

ICICI Bank Canada ING Direct

4.45 6.20op

3.05 3

Laurentian Bank n/a

4.4 6.70op

Manulife Bank 3 4.45

President’s Choice Finan

4 6.70op

3.2

Royal Bank 3.2

4 6.30op

TD Canada Trust 3.2

2.94

3.2

2.94

3.35

3.44

3 3.04 2.99 4.64 6.30op

3.24

3.29

3 6.30op

3.04

2.79

2.99

3.19

3.14

TRUST COMPANIES AGF Trust

n/a

2.99

3.1

3.5

3.64

Community Trust

n/a

6.5

3.1

3.35

3.95

4.64

Effort Trust n/a

4.45 6.30op

3.25 3.6 3.9 4.5 6.30op

4.95

Home Trust Company

3.2

2.49

3.95

2.74

3.15

2.99

Investors Group Trust n/a

4 6.50op

3 3.14 3.65 4.64 6.30op

5.24

MTCC 3

4.55 6.45op

3.75 6.50op

4.39

4.99

Airline Financial C.U. 4

2.99 3.25 3.29 3.09 6.25op

3.49

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.29

First National Fin. LP

3.95

2.74

2.69

2.89

5.24

3.99

OTHER FINANCIAL INSTITUTIONS

2.99

3.09

FirstOntario C.U. 2.79

6.34op

3.09 3.19 3.24 3.29 6.34op

3.12

London Life n/a

3 3.14 3.65 4.64 6.30op

5.24

MCAP 2.9

3.6 3.95 4.35 4.89 7.00op

5.24

Meridian Credit Union 2.85 4.45

3.1 3.14 3.7 3.4 6.30op

3.19

Parama Credit Union

2.9

3.1

3.15

3.15

3.25

3.5

Steinbach Credit Union

2.5

2.5

2.6

2.8

2.9

3.1

3.05 6.50op

3.15

2.79

3.89

3.19

Teachers Credit Union 4

4 6.50op

4.45 6.30op

2.69

2.79

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 Feb. 25, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

march 9 - 23, 2013 new Condo Guide 133

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134 new Condo Guide march 9 - 23, 2013

108-109

97 119

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

136 new Condo Guide march 9 - 23, 2013

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A Tridel Built Green. Built for Life.® community. *Prices and specifications are subject to change without notice. Illustrations are artist’s concept only. **Source: The City of Toronto Official Plan and the Agincourt Secondary Plan, a future bus and subway terminal or other transit related uses are proposed for this location. Building and view not to scale. Any retail uses will not be complete or available for use at the time of occupancy. Map not to scale. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©Tridel 2013. All rights reserved. E.&O.E. March 2013.

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The Streetside Collection Urban 1 and 2 storey Townhomes from 1000 to 1700 sq. ft. with vibrant street access and private interior gardens. Centrally located in the heart of Davisville village, flanked by the lively neighbourhoods of Eglinton & St. Clair and located at Yonge & Merton. Steps to the subway, parks, trails and great shopping.

M ERTO N YO NGE TOWNHOM E S

Fresh Urban Towns from the low $500,000’s 416.484.1900 myccondo.com

To see up-to-date construction progress visit cresford.com Call today for your private appointment.

New Presentation Centre underway.

BROKERS PROTECTED. PRICES AND SPECIFICATIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE. ILLUSTRATIONS ARE ARTIST CONCEPT. E.&O.E.

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Suite 607 PRICES STARTING

2E+D DESIGN FROM $341,500* Parking included

PRESENTATION CENTRE

52 VILLAGE GREEN SQUARE SCARBOROUGH Kennedy Road, north of Hwy. 401 CONTACT US

PHONE 416.293.5535 WEB TRIDEL.COM

Feel at home in the Ventus 2E+Dining suite, providing 838 sq. ft.* of gracious living. This corner suite offers an open concept kitchen overlooking the dining room, perfect for entertaining. The spacious two-bedroom design includes superior features and finishing details with a walkout balcony overlooking the eco-friendly Metrogate Park. Includes one parking spot. See the stunning lobby with attentive concierge, tour the Club Ventus recreational amenities and visit our 4 new designer decorated model suites.

PRESENTATION CENTRE HOURS: Monday to Thursday 11 am – 7 pm Friday Closed Saturday & Sunday 12 pm – 6 pm

A Tridel Built Green. Built for Life.® community. *Prices and specifications are subject to change without notice. Tridel®, Tridel Built for Life®, Tridel Built Green. Built for Life.® are registered trademarks of Tridel and used under license. ©

Tridel 2013. All rights reserved. E.&O.E. March 2013.

metrogate@tridel.com

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