JAN 21 - FEB 4, 2017 VOLUME 25, ISSUE 2, FREE
GTA EDITION
WHY 2017 IS STILL A GOOD YEAR TO BUY A HOME
INSIDE THIS ISSUE
BUILDING CITIES AND CREATING JOBS
4 QUESTIONS TO ASK YOUR MORTGAGE BROKER
GTA HOME PRICES HIT ANOTHER RECORD HIGH
Coming Soon Relaxed Urban Living In Whitby
Look for a genuinely inspiring collection of Townhomes and Detached Designs at our new Whitby community of Queen’s Common. Mattamy’s thoughtful design considers the needs of modern, energetic families with bright spacious designs that maximize your usable space.
Proud Partner of the Canadian National Track Cycling Team
FOLLOW US:
Close to all major highways, shopping, dining, established schools and recreation – this master-planned community is the perfect place to call home.
REGISTER NOW AT mattamyhomes.com
2016-12-22 5:17 PM
contents JAN 21 – FEB 4, 2017 | VOLUME 25 ISSUE 02
24
ON THE COVER
Why 2017 is still a good year to buy a home
+ online NEIGHBOURHOOD
HOME SEARCH
MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING
MAPS
2 YPNEXTHOME.CA
property profile
trending
16
10
Fieldgate Homes
New release of singles at Valleylands in Brampton
neighbourhood profile
40 Port Credit
WITH
DYNAMIC
LOOK FOR THE CIRCLE
(If you can afford it)
A residential hot spot in the 905
14
Housing Market
Toronto resale home sales hit record high – again
Homebuying
10 New Year’s resolutions for real estate in 2017
22 Government Policy
Ontario premier needs to work with municipalities: mayors
36 27 8 22 29
36
BILD
New home sales see slight decline in October
Neighbourhoods
How four neighourhoods have transitioned over the years
12
When Hazel speaks...
Designer Advice
20 Mortgage Advice
Four questions to ask your mortgage broker by Alyssa Furtado
8
by Bryan Tuckey
New releases, openings and preview registrations
45 Mortgage Rates in every issue
4
Editor’s Note
by Jayson Schwarz
6
Contributors
Home Sweet Home
46 What’s Online
Deciphering legal language
23
BILD Report
Building communities and creating jobs
42 Hot Properties
30 Legally Speaking
Seven essential home trends for 2017 advice
buyers’ resource section
by Wayne Karl
inspiration
27
Fundamentally Speaking
Housing affordability declines... again
47
Advertiser Index
by Lydia McNutt
32
Money Matters
Why are you in debt? by Gail Vaz-Oxlade JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 3
Editor’s Note
Policy change still ‘zero chance’? AT THE BUILDING INDUSTRY AND LAND DEVELOPMENT
WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
ASSOCIATION (BILD) 2017 Economic Outlook Conference late last year, CIBC World Markets Deputy Chief Economist Benjamin Tal gave the audience some rather stark insight. With GTA home prices continuing to skyrocket, affordability was the topic of the day. Tal pinned the cause of the problem squarely on the Ontario government. “The number one reason for house price inflation in the GTA is supply – which is all about government policy.” Nothing radically new there. What he said next was surprising. “And there is ‘zero chance’ of that policy changing.” Not exactly the most comforting message to BILD and its members, who have been lobbying government to if not change the policy than to at least be open to better understanding its full implications. Now BILD has a new and potentially powerful ally – former Mississauga mayor Hazel McCallion. As our coverage on page 12 and 22 discusses, not just McCallion but also city mayors and regional chairs in the Greater Toronto and Hamilton Area are ringing the alarm bells. Time will tell if it all amount to something greater than “zero chance.”
ONLINE
SEE MORE PHOTOS ONLINE
Port Credit’s warm, welcoming atmosphere makes it a residential hotspot in the 905. Homes near the lake are generally hot commodities in the GTA, and Port Credit is no different. Read the full story… ypnexthome.ca/port-credit
+ get social 4 YPNEXTHOME.CA
Interact with us on social media: ypnexthome
Markham tour o ur
New Release! New Designs!
8
deco mod rated el hom e
s
FREEHOLD TOWNHOMES AND SINGLE FAMILY HOMES Townhomes starting from the high
800's
$
AMAZING AMENITIES AT YOUR DOORSTEP • new cornell community centre & library • markham stouffville hospital • new shopping centres & retail shops • excellent public & private schools • parks, playgrounds & woodlots • easy access to 401, 404, 407 & GO transit
cornellrouge.com 905.472.9556
MARKHAM
SALES OFFICE LOCATED AT 655 Cornell Centre Boulevard (at 16th Avenue)
Open Monday to Thursday from 1 to 8 p.m. Friday by appointment only Weekends & Holidays from 11 a.m. to 6 p.m. Renderings are artist’s concept. Prices and specifications are subject to change without notice. See sales representatives for details. E & O.E.
MADI-COR-A-AD-NHC-OCT6-1.indd 1
2016-10-06 4:25 PM
Contributors
MONEY MATTERS
GAIL VAZ-OXLADE 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
VICE-PRESIDENT & CHIEF PUBLISHING OFFICER
Caroline Andrews PUBLISHER & GENERAL MANAGER
Shawn Woodford DIRECTOR OF SALES, NATIONAL
Moe Lalani ASSOCIATE PUBLISHER
MORTGAGE ADVICE
ALYSSA FURTADO Alyssa Furtado is the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions
Anne-Marie Breen SENIOR MANAGER, CONTENT
Jennifer Reynolds EDITOR
Wayne Karl ART DIRECTOR
Tammy Leung
LEGALLY SPEAKING
JAYSON SCHWARZ Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw.ca or by email at info@schwarzlaw.ca or phone at 416.486.2040
CONTRIBUTING EDITORS
Sonia Bell Elisa Krovblit Lydia McNutt
SENIOR ACCOUNT EXECUTIVE
Nina Downs nina.downs@ypnexthome.ca SENIOR ACCOUNT EXECUTIVE
BILD REPORT
BRYAN TUCKEY 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)
Dionne Fraser dionne.fraser@ypnexthome.ca DISTRIBUTION & SALES CO-ORDINATOR
Terry Basset NATIONAL CIRCULATION MANAGER
John Jenkins
PRODUCTION MANAGER
Helen Pearce PRODUCTION CO-ORDINATOR
DESIGNER ADVICE
Sandra Hanak-Vujnovic
YANIC SIMARD
GRAPHIC DESIGNERS
Yanic Simard is the principal designer of the awardwinning Toronto Interior Design Group (tidg.ca), and a regular guest expert on Citytv’s CityLine
Miguel Cea Mike Terentiev
Published by
more online We have even more content online! Read more stories from our team of contributors at ypnexthome.ca, including stories by:
#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 ypnexthome.ca
ADVERTISING Call 416.626.4200 for advertising rates
and information.
TARION REPORT
HOWARD BOGACH Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide. For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.
DESIGNER ADVICE
JANE LOCKHART Jane lockhart is Founder and Principal Designer of Jane Lockhart Interior Design in Toronto. She can be reached at 416.762.2493. janelockhart.com
6 YPNEXTHOME.CA
CIRCULATION Highly targeted, free distribution
system aimed at real estate buyers using street level boxes and racking, plus door-to-door insertions in key audience segments. COPYRIGHT 2017 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication. TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at wayne.karl@ypnexthome.ca
family places, wide open spaces.
a new community in holland landing Just north of Newmarket, within easy reach of the GTA, Holland Landing is waiting to be discovered. This charming village offers the best of small town living, just minutes from all the lifestyle amenities of the city, including GO transit and easy highway access. It’s here, where life moves at a more relaxed pace, that we introduce Hillsborough — a vibrant new masterplanned community and a carefully designed collection of detached homes, brought to you by Great Gulf.
36’, 40’ & 45’ detached homes 1,510 - 3,520 sq. ft. Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.
greatgulf.com/hillsborough JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 7
Advice | BILD REPORT
Building cities and creating jobs By Bryan Tuckey
MORE ADVICE ONLINE ypnexthome.ca/news/advice
THOUSANDS OF PEOPLE from across the GTA work in the building, development and home renovation industry. Building and renovating homes involves a lot of different professionals and the industry is one of the largest employers in the GTA. In 2015, it employed more than 196,000 people in on-site and off-site jobs. The industry spans beyond builders, developers and tradespeople and a variety of specialists including everyone from lawyers, marketers, urban planners and designers. Each construction crane you see represents up to 500 jobs. The GTA is growing by up to 100,000 people each year and they need somewhere to live. As the need for new homes grows, so do the opportunities for people considering one of the many well-paying careers in building, development and renovation. Last year, people in the industry earned $11.4 billion in wages. BILD’s 1,450 members come from across the industry and include companies that plan and prepare sites for development, manufacture and supply materials, and that assist purchasers in the home-buying process. Every year, BILD recognizes excellence in the industry through a number of award programs. One of them is our Associate Awards, which recognize members for leadership, professionalism, innovation and quality of service when working with 8 YPNEXTHOME.CA
builders or renovators. Unlike other award programs, Associate Awards nominees are evaluated by their clients rather than a judging panel. The Associate Awards recognize members in three distinct categories which reflect the diversity of our membership. They include Service Professional of the Year, Manufacturer or Supplier of the Year and Trade Contractor of the Year. This year’s Service Professional of the Year award was presented to Avid Ratings Canada for the second time in three years. The company helps members of the building industry enhance their custom experience by assisting with social media outreach, designing virtual tours and collecting data for surveys. One of their past clients even said there is no better firm in the industry. The Manufacturer or Supplier of the Year award was bestowed upon Shipway Stair Ltd., a Burlingtonbased stairs and rails manufacturer.
The company received lots of praise from its clients, particularly when it came to its communications, products and service. In the Trade Contractor of the Year category, N. De Luca Plumbing took home top honours. The Vaughan-based plumbing company’s clients were very happy with how approachable, professional and hard-working their team is. This was the second year in a row that they won this award, and the third time since 2012. I’m very proud to work in an industry where such a diverse group of professionals all work together to build complete communities in the GTA for people to live, work and play in. Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta, and bildblogs.ca
Canadian
PROPERTY INVESTOR
Vancouver | Toronto | Ottawa | Calgary | Edmonton
ON STANDS NOW!
Find your next investment with exclusive real estate opportunities, insider insights and expert tips designed for the savvy investor PICK UP A COPY TODAY!
Available at these locations: • YP NextHome street boxes
• Airport lounges • Transportation hubs
• Newspaper insertions
• Street retail racks
• Select hotels
• Direct mail
Read the digital issue on
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 9
Trending
Toronto resale home sales hit record high – again
RESALE HOME SALES IN TORONTO
hit a record high for the second consecutive year in 2016, according to the Toronto Real Estate Board. Greater Toronto Area realtors reported 113,133 home sales through TREB’s MLS System – up by 11.8 per cent compared to 2015. The calendar year 2016 result included 5,338 sales in December – an annual increase of 8.6 per cent. The strongest annual rate of sales growth in 2016 occurred in condominium apartments, followed by detached homes. “A relatively strong regional economy, low unemployment and 10 YPNEXTHOME.CA
very low borrowing costs kept the demand for ownership housing strong in the GTA, as the region’s population continued to grow in 2016,” says TREB President Larry Cerqua. “It is important to point out that the strong demand that we experienced in 2016 was very much domestic in nature,” he adds. An Ipsos survey recently commissioned by TREB suggests the level of foreign buying activity in the GTA is low, at just 4.9 per cent of GTA transactions. In Toronto, the share of foreign buyers was five per cent.
The annual rate of growth for the MLS Home Price Index (HPI) in the TREB market area accelerated throughout 2016 – from 10.7 per cent in January 2016 to 21 per cent in December 2016. The overall average selling price for calendar year 2016 was $729,922 – up 17.3 per cent compared to 2015. The pace of the annual rate of growth for the average selling price also picked up throughout the year, including a climb of 20 per cent in December. “Price growth accelerated throughout 2016 as the supply of listings remained very constrained,” says Jason Mercer, TREB’s director
Summary of Toronto MLS Sales and Average Price, Calendar Year 2016 2016
2017
Sales
Average Price
New Listings
Sales
Average Price
New Listings
City of Toronto (416)
41,126
$740,685
58,648
37,298
$659,165
64,708
Rest of GTA (905)
72,007
$723,774
95,618
63,915
$600,504
95,744
GTA
113,133
$729,922
154,266
101,213
$622,121
160,452
Toronto MLS Sales & Average Price By Home Type, Calendar Year 2016 Sales
Average Price
416
905
Total
416
Detached Yr./Yr. % Change
12,354 3.1%
41,363 12.9%
53,717 10.5%
$1,252,069 19.5%
$891,856 22.5%
$974,698 20.8%
Semi-Detached Yr./Yr. % Change
3,441 -5.5%
7,181 9.4%
10,622 4.1%
$861,967 17.1%
$583,542 18.4%
$673,738 16.2%
Townhouse Yr./Yr. % Change
4,139 4.1%
12,912 9.0%
17,051 7.7%
$627,690 15.7%
$528,143 17.6%
$552,307 16.8%
20,860 19.9%
8,867 21.1%
29,727 20.3%
$443,563 9.4%
$352,002 10.8%
$416,252 9.7%
Condo Apartment Yr./Yr. % Change
905
Total
December 2016 Year-Over-Year Per Cent Change in the MLS HPI Composite (All Types)
Single-Family Detached
Single-Family Attached
Townhouse
Condo
TREB Total
21.05%
23.25%
22.13%
20.38%
15.24%
Halton Region
20.95%
21.14%
21.98%
19.19%
-
Peel Region
22.12%
22.49%
23.88%
20.55%
17.22%
City of Toronto
17.55%
20.22%
18.08%
19.41%
14.76%
York Region
25.24%
27.46%
24.55%
17.46%
13.82%
Durham Region
26.43%
26.25%
26.41%
28.11%
23.70%
Orangeville
25.09%
25.50%
24.90%
-
-
South Simcoe County 1
24.44%
25.05%
24.68%
-
-
1
South Simcoe includes Adjala-Tosorontio, Bradford West Gwillimbury, Essa, Innisfil and New Tecumseth
of market analysis. “Active listings at the end of December were at their lowest point in a decade-anda-half. Total new listings for 2016 were down by almost four per cent. In 2016, we saw policy changes and policy debates pointed at the demand side of the market. If we want to see a sustained moderation in the pace of price growth, what we really need is more policy focus on issues impacting the lack of homes available for sale.” With continued strong rates of price growth, housing affordability is a growing concern, according to TREB. The City of Toronto’s budget
committee is considering an increase to the Land Transfer Tax that could see buyers of average-priced homes pay another $750, which would represent a seven-per-cent increase to the $11,000 that they already pay the City as an upfront LTT closing cost. This would be on top of the $12,000 that is also paid to the province. First-time buyers could end up paying $475 more, or, at best, be no better off, even though the province recently doubled their firsttime buyer LTT rebate. “The last thing people need is to dish out another $750, on top of the $11,000 that they already pay City
Hall,” says Cerqua. “The City should be looking for ways to make housing affordability better, not worse, especially for first-time buyers who could go backwards, or at best, be no better off. The Budget Committee should stop this proposal in its tracks and instead enhance the rebate for first-time buyers.” TREB is planning a Market Year in Review and Outlook Report and media event later this month, which will include an expert panel and related submissions on the foundations of the housing supply issue in the GTA and possible solutions. JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 11
Advice | FUNDAMENTALLY SPEAKING
When Hazel speaks… By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WHEN HAZEL MCCALLION RAN the City of Mississauga, Ont. from 1978 to 2014, and she spoke, people generally listened. You don’t get to become Canada’s longest-serving mayor, credited with largely building an entire city, without carrying a little weight. Now, in a different though equally important capacity, as ex-officio advisor to Ontario Premier Kathleen Wynne, she’s speaking out on the province’s Proposed Growth Plan for the Greater Golden Horseshoe and Greenbelt Plan. Add to her voice that of the mayors of Markham, Richmond Hill, Whitby, Milton, Hamilton and other cities, and that of the chairs of the Peel, York and Durham regions, and you have a thundering chorus ringing throughout the Greater Toronto and Hamilton Area (GTHA) that Wynne cannot possibly ignore. At issue is the province’s proposed land use policies for the Golden Horseshoe. As our story on page 22 discusses, there is overwhelming consensus among the GTHA leaders that the province is going “too far, too fast” with its intensification policies. The result, or at least among the most notable for homebuyers, is ill-planned development with the end product being seriously eroding housing affordability. McCallion says the growing lack of affordability in the GTHA is of concern and will have a domino effect, negatively impacting the GTHA’s ability to attract economic growth and thus its financial capacity to support needed transit and 12 YPNEXTHOME.CA
infrastructure improvements. “Intensification requires infrastructure and service capacity, or having the necessary funds to build it,” says McCallion. “Lands in the Greenbelt with infrastructure must be reviewed so that the millions of dollars of infrastructure investments made by municipalities and the province don’t get wasted.” Following a summit last September, the GTHA mayors and chairs recently produced a 28-page report detailing their concerns and recommendations for managing growth, building complete communities, curbing sprawl and protecting the natural environment in the Golden Horseshoe. The central challenge is how to accomplish these goals, while accommodating an anticipated increase in population of four million people over the next 25 years. Among the highlights: » Transportation Master Plans and servicing infrastructure mapping and considerations are incomplete and insufficient to support the proposed density target and intensification number. » A lack of consideration to the financial and economic
implications of the proposed growth plans for municipalities and regions, and how the plans will be financed. » Lack of an open and transparent review process with clear criteria to review Greenbelt lands and boundary adjustments. The Building Industry and Land Development Association (BILD) has been relaying similar messages and concerns for years. “With its proposed changes to the Growth Plan and Greenbelt Plans, it’s clear the government of Ontario is not concerned about the price of housing in the GTA,” BILD President Bryan Tuckey wrote in a recent column in New Home Guide. Finally, there is now another large, important voice. Let’s see if Wynne is listening. If not, Ontario voters and rate payers may be the next ones to chime in. Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at twitter.com/ WayneKarl.
Haven is just around the corner Whether you’re looking to buy now, or later this year, Rosehaven has a home for you.
CURRENT COMMUNITIES AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos Starting from the low $300’s NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Contemporary Courtyard and Terrace Towns Starting from the upper $600’s ANCHOR WOODS HOLLAND LANDING
UT O Just a few Semi-detached LD homesO remain S from the low $800’s Starting COMING 2017 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles Starting from $1.2 million Register at Rosehavenhomes.com ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca TIFFANY HILL - ANCASTER 45’ & 40’ Singles, Semi-detached and Freehold Towns Register at TiffanyHill.ca Ordinary is for others. Separate yourself from the common, the oh-so-typical, the middle-of-the-road, the good-enough, the runof-the-mill. Seek haven from anything less than the exceptional. This is where life is a step above. If you’ve ever wanted to own a Rosehaven home, this is the time.
DREAMFIELDS - BRADFORD Singles and Towns Register at DreamfieldsBradford.com
Visit RosehavenHomes.com For directions, hours & community info. call our hotline (1-888/416) 410-0175 Prices and specifications correct at press time. Prices quoted are in thousands. E. & O.E. 13
Advice | HOT TOPIC
10 New Year’s resolutions for real estate in 2017 By Kara Kuryllowicz
MORE ADVICE ONLINE nexthome.yp.ca/news/advice
HAVE YOU MADE YOUR NEW YEAR’S
resolutions yet? If you’re planning to buy or sell a home in 2017, here are a few key resolutions that will help with a smooth transaction. NEW YEAR’S RESOLUTIONS FOR HOMEBUYERS
1. What’s your credit rating? Have Equifax, TransUnion or another credit reporting agency pull your credit report. If necessary, take steps to improve a poor credit rating by paying off debts before applying for your mortgage. 2. Make a budget. Can you afford a home and all the associated costs? Is this the right decision for you? Canada Mortgage and Housing Corp. offers tools to help you calculate your net worth, current household budget, monthly debt payments, and how much you can realistically afford to spend. Your affordability assessment may indicate you need a larger down payment or a lower price point for your purchase. Also keep in mind that new mortgage qualification rules took effect in October, requiring that all insured mortgages qualify at the Bank of Canada’s benchmark rate of 4.64 per cent, even if your lender offers you a lower rate. 14 YPNEXTHOME.CA
3. Get your financing – and supporting documents – in order. At the very least, lenders and mortgage brokers will require documentation that proves your personal information, your net worth, income, employment, the amount/source of your down payment, and your ability to pay the closing costs. Closing costs generally range from 1.5 to four per cent of the
purchase price and your lender may provide a loan to cover those. 4. Get pre-approved for a mortgage to determine the amount you can afford based on the lender’s review of your finances. This will also provide written confirmation of the interest rate that will hold for around 90 days.
NEW YEAR’S RESOLUTIONS FOR HOME SELLERS
6. Review your mortgage agreement with your financial institution and/or a mortgage professional. If you’re in the first year of a five-year term, the payout penalty might be so high that you decide to wait until at least the mid-point, if not the end of that term, to sell your home. 7. Assess the selling costs, which may include repairs, home appraisals and inspections, legal and realtor’s fees, so that you can budget and save for them. 8. Crunch the numbers. Will your home’s proceeds cover your next home purchase? Do you plan to invest part of the proceeds? 9. Purge and fix. De-clutter your home six or more months in advance, because when staging your home for sale, overstuffed storage areas suggest a lack of space rather than your organizational tendencies. If you’re downsizing into a smaller home, you’ll likely need to edit down your movables anyway, so consider this resolution twofer. While you’re combing through your stuff, identify items that are worn, outdated or don’t work, then repair or replace them. Ask friends or family to help you identify what needs to be done, but be aware that they may be uncomfortable with the level of honesty required. A professional home stager or your real estate agent would be better suited to the task. If things like a leaky roof or basement isn’t repaired, buyers will expect a reduction in price. 5. Find the home. Search ads for homes in your desired location and price range with your preferred features. Look online, in print and of course, a tour of open houses is a fun way to spend a few hours of a weekend. If you’re opting for a brand new home, visit presentation centres, and explore new communities in person to
get a feel for what living there will be like. Ask friends and family for home-builder referrals, and check with your local home builders’ association for members and reviews. As if buying a new home wasn’t complicated enough, if you already own a home, you’ll need to add a sale to your to-do list.
10. Assess comparable homes in your neighbourhood no more than three months prior to putting your home on the market because the conditions can change relatively quickly. Ask your selling agent to evaluate your home no more than six to eight weeks before you plan to put it on the market. JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 15
Property Profile | FIELDGATE HOMES
Fieldgate Homes announces... Register today for new release of 38-, 41- and 50-ft. singles at Valleylands in West Brampton early in 2017 TIME AND TIME AGAIN, when we ask our homeowners why they chose to buy a Fieldgate home, we get some pretty familiar answers. Many say that the deciding factor was Fieldgate’s award-winning floorplan designs, while others say it was the beautiful masterplanned community design. Whatever your reason for choosing Fieldgate, with New Releases coming soon to all three of our current new home communities, we’re confident that you will find a home that you’ll love with Fieldgate Homes.
Valleylands – West Brampton Visit the sales centre to view the floorplans that will be available in the next release of detached homes in early 2017. Boasting a selection of single-detached 38-, 41- and 50-ft. designs from the upper $800’s, some with walk-up basements, discerning buyers will like what they see when they discover these impeccably crafted …continued on page 18 16 YPNEXTHOME.CA
ABOVE
The St. Lawrence A Elevation 3,662-sq.-ft., five-bedroom
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 17
…continued from page 16
At Valleylands, the best of west Brampton living is literally at your doorstep. luxury homes. At Valleylands, the best of west Brampton living is literally at your doorstep. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. Nature lovers can soak up the Credit River landscape at nearby El Dorado Park and golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance. If that weren’t enough, the commute to Toronto is a breeze with Hwys. 401 and 407 minutes away.
Coming Soon – Stouffville, Kleinburg & West Whitby An all new release of 36- and 40ft. detached homes and freehold townhomes will be coming in early 2017 to Stouffville’s popular Blue Sky Community. In this popular community setting, GTA homebuyers have a lot to look forward to. Register now and watch your inbox.
Impressions – Kleinburg Register for the next release at Impressions in Kleinburg coming in early 2017, featuring a stellar collection of luxurious family residences in a charming village setting. Featuring exquisite single detached 38- and 44-ft. homes starting from more than $1.2 million, you can discover a lifestyle of true comfort and prestige in this exceptional family community. Throughout all of the GTA, there’s no place quite like the Village of Kleinburg. Perfectly nestled between the east and west branches of the Humber River, 18 YPNEXTHOME.CA
Kleinburg offers all the pleasures of small town life just minutes from the big city conveniences of Vaughan and the surrounding area. Vaughan’s many other charming neighbourhoods also offer convenient shopping destinations – such as Vaughan Mills – boasting a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and
407 all just minutes away. The next master-planned community is Whitby Meadows, featuring a selection of 30-, 36-, 42-ft. single-detached homes and freehold townhomes in west Whitby’s finest natural setting. To register for the next release at any of these communities, visit fieldgatehomes.com
LOOKING FOR A NEW HOME? we can help!
Brand new name, same great app. Everything you need to know to buy or rent your next home.
DOWNLOAD THE APP JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 19
Advice | MORTGAGE ADVICE
4 questions to ask your mortgage broker By Alyssa Furtado
MORE ADVICE ONLINE ypnexthome.ca/news/advice
BEFORE SEARCHING FOR A HOME, you
should get a mortgage pre-approval. Getting one is a great start but it won’t guarantee you’ll get the best mortgage rates. To ensure you’re getting the lowest mortgage rate, you should use a mortgage broker. A broker shops your application around to a variety of lenders before picking one with the lowest rate and the best terms. However, finding a broker is similar to finding a real estate agent. You want the best but how do you know who’s right for you? HERE ARE SOME QUESTIONS TO ASK:
1. How long have you been a broker? If you’re a newcomer or a first-time homebuyer, you want someone with a lot of experience in the industry. Someone with years of experience will recommend the best product for your situation instead of a standard five-year fixed mortgage. If a shorterterm mortgage is better for you, you’ll want a broker who will recognize what’s ideal for your circumstances. 2. How many lenders do you work with? If you get a mortgage from your financial institution, you’ll only have one lender to choose from. However, brokers work with a number of lenders, which allows them to pick the lender who works best for your situation. Although brokers work with many lenders, they tend to do the majority 20 YPNEXTHOME.CA
of their business with just a few of them. That gives them the ability to get lower rates and volume discounts that are passed on directly to you. Brokers can provide you with a list of the lenders they work with, including the ones they use the most. 3. What’s the application process? As we move away from face-to-face communications, you should use a broker whose communication style is similar to yours. Do they prefer to communicate over the phone, in person or through email? Do they accept electronic signatures or want you to come in to sign documents? Your broker should take you through the steps to ensure the mortgage is suitable for you and explain anything you don’t understand. The way they communicate this to you should be in a way that you’re most comfortable with so the whole mortgage application process runs smoothly. 4. How are you paid? You don’t have to pay mortgage
brokers for their services, but keep in mind they don’t work for free. They’re paid by the lender who takes on your mortgage and the broker’s commission is usually between 0.5 and 1.2 per cent of the mortgage amount. Also, if the mortgage term is longer, they get paid a higher commission. Your broker should explain how they’re paid. THE BOTTOM LINE
When you’ve found a mortgage broker you like, you can start the mortgage application process. Once you’ve been pre-approved, compare the mortgage rate quote you receive with the best rates. If it’s different, ask why. Your mortgage broker should be able to tell you why you do or don’t qualify for the lowest rate. If you’ve chosen the right broker, their answer should be clear.
Alyssa Furtado is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.
Earn your Volunteer Hours By learning CPR & AED online…FOR FREE!
FREE APP
to track yo ur volunte er hours
Download the FREE APP to easily track your progress Through the new Mikey Young At Heart Program, you can earn volunteer hours by participating in a series of short videos and quizzes that will provide the knowledge you need to feel comfortable performing CPR or using an AED.
IT’S FUN & EASY TO DO! DOWNLOAD THE MIKEY YOUNG AT HEART APP
mikeyyoungatheart.com HEAT-MIK-A-AD-CONDOGUIDE-FEB5-1.indd 1
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 21
2/5/16 10:30 AM
Trending
Ontario premier needs to work with the municipalities to ‘get it right’: GTHA mayors THERE IS AN OVERWHELMING
consensus among the Greater Toronto and Hamilton Area (GTHA) mayors and chairs that the province is going “too far too fast” with proposed land use policies for the Golden Horseshoe. Former Mississauga Mayor Hazel McCallion has submitted a report to Premier Kathleen Wynne based on the recent GTHA Mayors and Chairs Summit on the Province’s Proposed Growth Plan for the Greater Golden Horseshoe and Greenbelt Plan. While the municipalities they represent are very different, McCallion says the mayors and chairs spoke almost with one voice on a broad range of issues. “One thing that was made very clear by the mayors and chairs is that the province’s proposed amendments to the Growth and Greenbelt Plans are too much too fast, with an unrealistic one size fits all approach. Growth has and will continue to come to the GTHA and accommodating it will be an expensive undertaking, so it is important that the province listen to the different municipalities on how to get it right,” says McCallion, who is credited with building the City of Mississauga. The renowned former mayor is now the ex-officio advisor to the premier on issues within the GTHA. The 28-page report details the GTHA mayors and 22 YPNEXTHOME.CA
chairs’ concerns and recommendations with regard to the land use plans, which form the policy framework for managing growth, building complete communities, curbing sprawl and protecting the natural environment in the Golden Horseshoe. The challenge is how to accomplish all of those goals, while accommodating an anticipated increase in population in the GTHA of four million people over the next 25 years. Specific areas of concern include: the proposed increase in the intensification rate and density target, the lack of financial planning and consideration for economic impacts, the lack of alignment with transportation and other infrastructure plans, the lack of a transition plan to accommodate municipal planning work already underway, and the lack of a clear process to address adjustments, removals and additions to the Greenbelt. “Intensification requires infrastructure and service capacity, or having the necessary funds to build it. Lands in the Greenbelt with infrastructure must be reviewed so that the millions of dollars of infrastructure investments made by municipalities and the province don’t get wasted,” says McCallion. “And, we need to be sure all lands
that should be protected, be added to the Greenbelt.” McCallion says the growing lack of affordability in the GTHA is of concern and will have a domino effect, negatively impacting the GTHA’s ability to attract economic growth and thus its financial capacity to support needed transit and infrastructure improvements. “The government of Ontario cannot be seen to be contributing to onerous financial burdens on the GTHA municipalities and taxpayers, or to the overall lack of affordability and livability in the GTHA by imposing hurried and ill thought out policies,” says McCallion. “The province needs to slow down and get the details right on how we’re going to implement new policies and accommodate the inevitable growth.” McCallion says premier Wynne has demonstrated a genuine interest in hearing from the mayors and chairs, and the recommendations in her report can go a long way to making the Growth and Greenbelt Plans stronger, more viable, more affordable and more effective. McCallion says she hopes the province will work with the municipalities and implement the report’s recommendations before the plans are finalized.
Advice | HOME SWEET HOME
Housing affordability deteriorates in Canada... Again By Lydia McNutt
MORE ADVICE ONLINE ypnexthome.ca/news/advice
SKYROCKETING HOME prices
continues to dominate headline news. Affordability hit an eight-year low in the third quarter of 2016, according to the latest Housing Trends and Affordability Report from RBC Economics Research. Despite the new mortgage qualification rules and policy changes in BC, which had an overall cooling effect on Canada’s housing markets, RBC reports that housing affordability has continued to deteriorate. RBC’s housing affordability measure rose for the sixth consecutive quarter nation-wide – up 1.3 percentage points to 44.3 per cent. The higher the measure, the worse the affordability. Leading the pack once again, single-detached homes rose by 1.3 percentage points to 49.4 per cent, followed by condos, up 0.8 percentage points to 35.6 per cent. To put these numbers in perspective, when you’re applying for a mortgage, lenders combine your total housing costs and calculate what percentage they are of your gross monthly income, known as your Gross Debt Service ratio (GDS). Under the new mortgage rules, your GDS ratio must not exceed 39 per cent of your gross income. The Total Debt Service (TDS) ratio, which includes total housing costs plus any other debt payments, cannot exceed 44 per cent. What does this mean? Canadians dreaming of a single-detached, twostorey life should expect to shell out 49.4 per cent of their pre-tax income. This leaves a 10 per cent gap between the actual cost of homeownership
and the new GDS ratio of 39 per cent. Add to this taxes, living expenses and other debts, and that doesn’t leave much for your rainy-day fund, never mind retirement savings. To afford a home, Canadians will need to increase their income, or decrease their housing budget – and expectations. Today, more than ever, creating a realistic budget is key. This will be your first step on the road to home ownership – before you start making your wish list. Your budget will define what area you can afford to live in, the type of home, and the lifestyle you’ll lead long after your offer is accepted and your boxes unpacked. Determine what you can comfortably afford. This doesn’t mean the mortgage amount you’ve been pre-approved for. Calculate your monthly mortgage payments, property taxes and utility costs. Then, add your other expenses: student loans, car expenses, childcare and daily costs such as groceries, clothes and medical/dental. That’ll cost you even more. Then, don’t forget about those retirement savings. Only now can you think about the home itself. Who says the key to happiness is a 2,500-sq.-ft. detached
house? Maybe your lifestyle is better suited to an urban condo, where you may not need a car and its associated expenses. Weigh the pros and cons, then decide. The perfect home is out there, with something suited to every budget. Maybe you’ll just have to explore some different definitions of “home” to find the right one. “The third quarter could be a turning point toward improving affordability in the Vancouver area in light of a recent easing in detached home prices, but further deterioration is likely to occur in the near term in Toronto,” according to Craig Wright, RBC’s chief economist. “New mortgage insurance rules may help affordability over time, but 2017 is likely to see a tug of war between these market-cooling policy measures and rising longer-term interest rates, pulling affordability in opposite directions.”
Lydia McNutt is an award-winning writer and the editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at YP NextHome, where real estate rules. Lydia can be reached at Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 23
Trending
cover story
WHY 2017 IS STILL A GOOD YEAR TO BUY A HOME By Wayne Karl
CANADA’S various housing
markets were regular headline newsmakers last year, and not always for the most positive reasons. From skyrocketing prices in Vancouver and Toronto, to continuing soft conditions in Alberta, to yet further mortgage rule changes courtesy of the federal government. All of it makes for a growing list of challenges for prospective homebuyers, and might discourage some to delay their purchase. Rest assured, however, there are reasons why 2017 is still a good year to buy a home. (One important caveat, though: If you can afford it.)
24 YPNEXTHOME.CA
1. A pause for the cause Slowing price growth in Vancouver and Toronto is actually a positive development for would-be buyers. Spared from year after year of double-digit home price growth,
purchasers will no doubt appreciate a pause, as it may crack open a window of opportunity for them to buy. Affordability is a serious concern in these two markets. Underlining the matter was a warning from Canada Mortgage and Housing Corp. (CMHC) in October which highlighted that most Canadian housing markets were overvalued,
and price growth was to slow through 2018. Home prices have risen ahead of economic fundamentals such as personal disposable income and population growth, CMHC says, resulting in overvaluation in many markets. For GTA, specifically, resale home sales in Toronto hit a record high in 2016 for the second consecutive year, according to the Toronto Real Estate Board. “A relatively strong regional economy, low unemployment and very low borrowing costs kept the demand for ownership housing strong in the GTA, as the region’s population continued to grow in 2016,” says TREB President Larry Cerqua. The overall average price for 2016 was $729,922 – up 17.3 per cent over 2015. The pace of growth also accelerated through the year, including a climb of 20 per cent in December. On the new home front, lack of supply continues to push average prices for single-family homes and highrise condos in the GTA, to unprecedented levels in November 2016, according to the Building Industry and Land Development Association (BILD). The average price of new detached homes in the GTA hit $1.23 million in November, up 27 per cent from the previous November. In new condos, the average price rose 10 per cent to $493,137. Personal finance guru Gail VazOxlade has a slightly different view. It’s not lack of supply that’s driving prices up, but rather a shortage of grey matter. “(Supply) is not what is pushing new homes to record prices – stupidity is,” she wrote in a recent Twitter exchange. “#MoreMoneyThanBrains.” Easy credit, CMHC mortgage backing and “banks’ greed” are the real causes, she says. A significant market correction might be the only solution, “but that’ll just leave a whole lot of people upside down.” We’ll take a pause for the cause, instead. The Canadian Real Estate Association provides one, in the
form of its average price forecast for this year. For BC, it sees prices in Vancouver falling 7.8 per cent, compared to 8.1 per-cent-growth in 2016. For Ontario, it foresees prices climbing just one per cent, versus shooting up more than 15 per cent last year. “There will certainly be opportunity for first-time buyers in both markets,” ReMax Vice-President Elton Ash told New Home Guide. “The challenge will be in the higher qualification rates for high-ratio mortgages. Once firsttime buyers reset their affordability expectations, they will see price advantages in buying in 2017.”
is intended to assure lenders – and yourself – that you could still afford your payments if interest rates rise. In other words, the changes are intended to protect you from the “stupidity” (Vaz-Oxlade’s words) of borrowing more easy money than you should. You can also look forward to Ottawa releasing the National Housing Strategy some time in 2017. It is intended to address multiple and varied issues, from affordable housing to rental markets to homeownership, and execute a vision that is equitable across differing economies, markets and conditions. Tall order, indeed. Such complex
“The challenge will be in the higher qualification rates for high-ratio mortgages. Once first-time buyers reset their affordability expectations, they will see price advantages in buying in 2017.” —ReMax Vice-President Elton Ash
2. Ottawa is in your corner – really This latest mortgage rule changes introduced by the federal government late last year were intended to stabilize “overheated” housing markets, mostly in Toronto and Vancouver, slow home price growth and keep mortgage indebtedness under control. What the changes also do, however, is make it more difficult for young Canadians to take that important first homebuying step. Homebuyers who apply for a highratio mortgage (less than 20 per cent down payment) now have to undergo a “stress test” by qualifying at a rate (4.64 per cent) you may not even actually have to pay (if you qualified for a mortgage at some of the current better rates, say 2.5 per cent). These changes may mean your buying power is reduced, but it’s for your own good. The stress test
and far-reaching challenges are why some critics are skeptical that Ottawa can deliver anything meaningful in the strategy. But we’ll take a more positive outlook. Canada has never had a national strategy, and given the growing importance – and challenges – of housing, only good can come from the process.
3. Economic mettle Canada has proven its economic mettle time and time again over the last several years. In its Financial System Review in December, the Bank of Canada says the Canadian financial system remains resilient, as the nation’s economy improves. Proof is in the pudding, in the way of Statistics Canada’s Employment Report from December, which says …continued on page 26 JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 25
…continued from page 25
employment rose by 54,000 for the month, with the unemployment rate at 6.9 percent. For the fourth quarter of 2016, employment increased by 0.6 per cent – the largest increase since the second quarter of 2010. For 2016 as a whole, employment gains totaled 214,000 or 1.2 per cent, compared to 0.9-per-cent growth over the same period a year earlier. Just a bunch of numbers, right? Not exactly. Housing markets cannot thrive without a strong economy. Economic growth leads to employment growth, which leads to wage growth, which leads to consumer confidence – which all leads to buying homes and household goods.
Edmonton decreased by two per cent year-over-year, while in Calgary it dropped by four per cent, according to ReMax. Buyer activity is expected to pick up slightly in the second half this year, with improving employment opportunities in the oil sector. For the province as a whole, CREA says 2016 and 2017 will finish up largely flat in terms of price growth – but this is actually an improvement over a 1.9-per-cent decline in 2015. Alberta, no doubt, will take it.
Guide. “That optimism likely reflects gains of almost 50 per cent in oil prices last year that are raising consumer comfort levels after a couple of tough years for the economy.”
5. Interest rates Vaz-Oxlade’s concerns notwithstanding, it’s fair to say Canadians have benefited from the prolonged period of historical low interest rates. Most experts don’t see any significant change here for 2017, though some lenders recently inched up rates on some mortgage products. “It’s no secret that fixed mortgage rates are closely correlated with bond yields,” says Andrew C. MacDonald, client account manager at Calum Ross Mortgage, Toronto. “We’ve already seen an upward movement in bond yields from historical lows, and most lenders have started to raise interest rates slightly, as a result. The good news is rates are still hovering just above historical lows, which makes now a great time to purchase (or refinance) a home.”
“It’s no secret that fixed mortgage rates are closely correlated with bond yields” —Andrew C. MacDonald
4. Alberta ReBound Housing markets in Calgary and Edmonton remained relatively stable in 2016, with moderate declines in sales and average prices as a result of the extended recovery of the oil sector. The average residential sale price in
The consensus is that real estate in the province is poised to begin to rebound in the second half of 2017. On the new home front, housing starts – an important sign of economic health – are starting to rise. “A member survey showed home starts are expected to rise a modest 5.7 per cent in 2107,” Donna Moore, CEO of CHBA – Alberta, told New Home
CREA Residential Market Forecast 2015
2015 Annual percentage change
2016 Forecast
2016 Annual percentage change
2017 Forecast
2017 Annual percentage change
Canada
443,045
8.5
489,500
10.5
475,900
-2.8
British Columbia
636,627
12.0
688,300
8.1
634,900
-7.8
Alberta
393,138
-1.9
393,700
0.1
390,600
-0.8
Average price forecast
Saskatchewan
297,487
-0.3
295,600
-0.6
292,000
-1.2
Manitoba
270,375
1.5
276,900
2.4
279,600
1.0
Ontario
465,554
7.7
535,700
15.1
541,300
1.0
Quebec*
275,302
1.5
282,100
2.5
287,800
2.0
New Brunswick
160,400
-0.9
163,500
1.9
165,100
1.0
Nova Scotia
219,440
2.1
219,800
0.2
223,900
1.7
Prince Edward Island
161,175
-0.6
179,800
11.6
176,900
-1.6
Newfoundland
275,579
-2.9
257,000
-6.7
255,400
-0.6
*Provincial weighted average price for Quebec does not affect unweighted national average price calculations. Information on Quebec’s weighted average price calculation can be found at http:www.fciq.ca/immobilier-statistiques-definitions.php SOURCE: CANADIAN REAL ESTATE ASSOCIATION SOURCE: CANADIAN REAL ESTATE ASSOCIATION 26 YPNEXTHOME.CA
Inspiration | DESIGNER ADVICE
7 essential home trends
FOR 2017
By Yanic Simard
LEFT:
Rose by J&V Digital for Newwall / newwall.com ABOVE:
IT SEEMS DESIGN TRENDS change every year, but most of us don’t completely change our decor quite that often. For this reason, it’s important to spend wisely, and avoid flashin-the-pan fads that may leave you with buyer’s remorse. With that in mind, I put together a different kind of 2017 forecast: seven essential home trends that I’m confident will last for years to come, along with ways to apply them to your space today. Let’s make 2017 the year of no design regrets!
Vertical horizons » Your walls can be home to unique art – or they can be the art themselves. More and more people are boldly bringing drama to their vertical surfaces, with oversized paintings and prints, statement-making wall coverings, or both. » TRENDS TO TRY: Explore local art events (such as emerging-artist expos) to find wall-filling canvases – the scale can actually make a room look larger. Apply a lively patterned wallpaper to add incredible personality, such as
an oversized floral, or try a sumptuous grasscloth for rich texture that says “classic haute couture.”
Quartz composure » For decades the de-facto countertop was a slab of granite. Designers have long preferred quartz for its beauty and durability, and more and more home-renovators are catching on. It’s nonporous, but has the character of stone, with near infinite colour options. » TREND TO TRY: Splurge on a particularly covetable quartz variety like an agate style for the kitchen island, and trade-off a budget-friendly option for the main counters – a little contrast can be beautiful.
Jewel energies » Vivid-but-sophisticated jewel tones: they perfectly offset demure neutrals, brighter hues (like last year’s sky blues and bright pinks), or both, so they can and will be infused into nearly any decor scheme. » TRENDS TO TRY: Add small glass or velvet accessories
PHOTOGRAPHY: (TOP LEFT) VALERIE WILCOX. LIVING ROOM (TOP RIGHT) DESIGNED BY TORONTO INTERIOR DESIGN GROUP
Quartz Countertop – Concetto 8311 Gray Agate by Caesarstone
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 27
in amethyst or emerald to refresh your palette without a big investment. Paint a deep hue like Benjamin Moore’s Colour of the Year 2117-30 Shadow to make a room feel cozy.
Life alfresco » Bringing the outdoors inside is big, in more ways than one. There’s a continuing trend toward introducing plant/animal motifs through prints, art and live greenery. Don’t worry about the “it” style of the day, and just enjoy a lush pattern that makes you feel happy. » TRENDS TO TRY: Use “alfresco” cafe-inspired fabrics – think forest or jungle – for upholstery and drapery, to bring the joy of patio dining inside. Pot an indoor tree like an exotic ficus to add a luxe, fresh atmosphere to any space. Look to Patone’s 2017 colour of the year “Greenery” for accent inspiration.
» TRENDS TO TRY: Use throws, pillows, or sculptures collected on your life’s travels to bring diverse cultures to your space. Mix bohemian twists like broken-in vintage furniture with crisp black modernist pieces to balance old and new. Consider small details, like the placement of a cabinet knob – in design, details make all the difference!
Aquatic age » Blue is truly timeless – it’s the most popular favourite colour – but it also might be bigger than ever. Blue
shades mix well, or stand on their own, and they never go truly out of style, making them essential for 2017 and years to come. » TRENDS TO TRY: Mix aquatic blues and blue-greens with whites and pale woods to create a fresh, beachy vibe. Skip super-safe grey and use navy instead to subtly enrich any palette. Want to see more ways to tackle trends timelessly? View the Toronto Interior Design Group portfolio at tidg.ca, and find me on Twitter and Instagram via @yanicsimard.
MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration
Earth harvest » It’s not just fabric motifs that people are drawing from the earth, but rugged textures too. Tactile materials like cork, terra cotta, sisal, burnished gold as well as dark moody varieties of stone and wood are all being brought into homes to give a sense of weight and depth. » TRENDS TO TRY: Splurge on a dark marble to add masculine appeal to table tops or a luxe vanity. Use interesting flooring like cork or terra cotta, or reconsider wall-to-wall broadloom (trust me, it’s back). Try crisp “tuxedo” cabinets, with handsome wood contrasted against lighter tones.
Benjamin Moore’s 2017 Colour of the Year: Shadow
Bohemian adventures » As times goes on, homeowners are less and less interested in strict “rules” and severe minimalism, instead embracing a more personal and adventurous style, celebrating a bohemian flair and worldly collections.
Celebrity Designer Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning, boutique firm Toronto Interior Design Group (tidg.ca), and regular design expert on City’s Cityline. @yanicsimard
28 YPNEXTHOME.CA
Trending
New home sales see slight decline in October LACK OF NEW HOUSING SUPPLY
continues to escalate prices, and average prices for both new single-family detached houses and highrise condos in the GTA reached unprecedented levels in November, according to the Building Industry and Land Development Association (BILD). The number of new homes available for purchase in the GTA continues to be around all-time lows. At the end of November, there were 15,184 new homes in builders’ inventories, only 84 more than in August which reported the lowest level on record. Housing supply has plummeted over the past decade. In November 2006, there were 31,150 new homes available for sale according to Altus Group, BILD’s official source for new home market intelligence. Only 13 per cent of the available inventory at the end of last month was low-rise homes with just 2,036 units and of those 789 were detached single-family houses. Available highrise supply was also down in
November, falling to 13,148 units. “The low inventory story is not only about lowrise – highrise inventories have been on a downward path over the past three years,” says Patricia Arsenault, executive vice-president of Research Consulting Services at Altus Data Solutions. “Total available inventory in November was the lowest November level we have seen since we first started to track this data in 2000.” Low levels of inventory resulted in record-setting prices for detached homes and highrise condominiums in November. The average price of new condos in the GTA reached $493,137, a 10-per-cent increase from a year ago. Condo unit size continued to increase with the average in November, at 820 square feet. Meanwhile, the average price of new detached homes in the GTA hit $1.23 million in November, up 27 per cent from last year. Since the beginning of the year, new detached single-family homes in the GTA have gone up by more than $258,000.
Overall, average prices for new lowrise homes, which includes detached and semi-detached houses as well as townhomes, increased 20 per cent over the past 12 months. In November, a buyer needed $977,890 to buy the average lowrise home. “The industry is building to government policy and building far fewer lowrise homes, especially detached single-family homes, but demand has not dropped with the supply so prices continue to increase,” says Michelle Noble, vice-president of Communications, Marketing and Media Relations at BILD. So far this year there were 8,843 detached homes sold in the GTA, which is 16 per cent fewer than in 2015. At this time 10 years ago, 12,273 detached homes were sold across the region. Overall there have been 43,651 new homes sold in 2016 with highrise accounting for 60 per cent or 26,299 homes and lowrise totaling 17,352 homes.
November New-Home Sales by Municipality: Nov ‘16
Lowrise
Highrise
Total
REGION
2014
2015
2016
2014
2015
2016
2014
2015
2016
Durham
249
303
170
29
307
58
278
610
228
Halton
244
513
396
98
149
100
342
662
496
Peel
437
515
89
144
121
151
581
636
240
Toronto
70
45
70
2,188
2,023
2,030
2,258
2,068
2,100
York
290
473
845
142
225
308
432
698
1,153
GTA
1,290
1,849
1,570
2,601
2,825
2,647
3,891
4,674
4,217
Jan-Nov
17,103
18,970
17,352
21,005
21,164
26,299
38,108
40,134
43,651 SOURCE: ALTUS GROUP
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 29
Advice | LEGALLY SPEAKING
Deciphering legal language Deeds, transfers, mortgages, charges, discharges and undertakings By Jayson Schwarz
MORE ADVICE ONLINE ypnexthome.ca/news/advice
FOR THE AVERAGE homebuyer,
there are some legal terms that require translation. The Government of Ontario keeps records of every piece of property in the province. These records are called the “title documents.” The document on file that says who owns the property is called the “transfer,” or “deed.” All of these documents are filed with the government — a process that is called “registering” the document. When a bank lends money and gets a record of this loan on title, the document is called the “mortgage” or the “charge.” When the charge is paid off, a new document is filed with the government office and it is called a “discharge.” If only part of the charge is paid off, a document called a “partial discharge” can be filed. There are many other documents, but these are a good starting point. Usually when a developer/builder starts a new project, he/she will go to a bank or other financial institution and just like you, arrange for a mortgage or charge. The difference, however, is that this can be a huge charge. As an example, the builder/developer may have a $50- or $60-million “blanket” charge applied to enable him/her to create and build the project. The next thing that happens is that the house or condo is built and sold, and it is time for closing. In the Agreement of Purchase and Sale will be a clause that will relate to the discharge of that part of the 30 YPNEXTHOME.CA
blanket charge which affects the property you are buying. The builders’ lawyers (the good ones, in any case) add the clause that the purchaser will accept the promise (undertaking) of the builder’s lawyer to register the partial discharge in a reasonable period of time, but will give on closing two important things: a) a letter (“discharge statement”) from the bank or other financial institution (“mortgagee” or “chargee”) setting out how much money has to be paid to the chargee to obtain the partial discharge; and b) a direction from the builder to the purchaser, telling the purchaser to pay the amount of money needed to obtain the partial discharge directly to the chargee. The clauses I will not accept stop with the purchaser being forced to accept the builder’s or the builder’s lawyer’s undertaking to register a partial discharge, without the other information. Now, I do not believe the builder or the builder’s lawyers who do not include this information would give the promise without meaning it, but what about things out of their control?
For example, if: » the builder goes bankrupt » the builder has a dispute with the bank » some other party seizes the money from the builder » the builder has an internal shareholders dispute and assets are frozen » the lawyer goes to Argentina with the money » the builder goes to Tahiti with the money If we had followed a) and b), none of that would matter. My complaint is that it does not cost the builder anything to give this peace of mind and security to the purchaser. It is just usually the fault of a lawyer trying to prove how good he or she can be. Watch for these tricky clauses and consult a lawyer, because only a lawyer can provide legal advice and care enough to catch these kinds of things. 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.
Wow!!!
We are moving in to our new home!!!!
BUYING, SELLING OR REFINANCING A HOME? YOU NEED A LAWYER! Helping YOU make your home buying dream a reality.
849
$
plus HST
Quality legal services at the right
price*
BRAMPTON BRANCH OFFICE
Call
For Free Offer Review
TORONTO OFFICE
10 Wilkinson Rd. Unit 22., Brampton, Ontario L6T 5B1
1984 Yonge St.,Toronto Ontario M4S 1Z7
905.455.5777
416.486.2040
Toll Free: 1.888.609.8888 Fax 905.452.8135
Toll Free: 1.888.609.8888 Fax 416.486.3325
www.schwarzlaw.ca *Certain Terms and Conditions shall apply. Full disbursement disclosure.
Advice | MONEY MATTERS
Why are you in debt? By Gail Vaz-Oxlade
PEOPLE WHO ARE IN DEBT often say
they no longer want to be in debt. And often they take the steps to get themselves out. But, it seems to me, just as often people who claim they want to get out of debt do little to change their behaviour and their outcome. They keep on doing the things that got them into debt in the first place. Here are four questions 32 YPNEXTHOME.CA
you may want to ask about why you’re in the hole. 1. Do you buy stuff you don’t need? The biggest cue that you’ve got the impulse monkey on your back are the things you have bought but no used: the clothes with the tags still on, the shoes you have yet to wear, the new dishes you’ve used just once
or twice in the six months that you’ve owned them. Impulse shoppers are the first to admit they have a problem and the last to do anything about it. If you’re an impulse shopper, you need to remove the fuel for the impulse. That means cutting up your credit cards – or disabling them in some other fashion – and limiting the amount of
cash you carry. It also means leaving your debit card at home unless you’re headed out to take care of a need: gas, groceries, etc. When you do go shopping, you have to use a list and never go off-list. Window shopping is torture for the impulse shopper so don’t browse stores or participate in this female bonding ritual since you’re just teasing yourself by drooling over a bunch of stuff you don’t need. 2. Do you use credit to buy things you can’t afford to buy with cash? Hey, when you spend money you don’t have by using your credit card, line of credit or overdraft, you’re doing the wrong thing, plain and simple. If you can’t afford to pay for something in cash today, you should not be buying that thing, I don’t care how important you think it is, how great a deal you’re getting, or how desperate you feel. Using credit is no way to get out of debt. Put away all forms of credit and commit to building yourself a budget that balances. If you want something, you’ll have to give something else up to accumulate the cash you need to buy it. If you can’t come up with the cash, you must not want it badly enough. 3. Do you buy things for a one-time use that you could borrow from a friend or rent? Practically everyone is guilty of this. You need something such as a sewing machine or power washer twice a year so you go and buy one and then watch it – and the money you spent, likely on credit – sit and grow cobwebs (and interest charges?) What’s with us all? We have to own everything we ever use? In the old days friends borrowed from each other and stuff got way more use. Now our possessions are so much a part of who we are we a) hate to lend and b) hate to have to admit we don’t already have one. Dumb! And why
Impulse shoppers are the first to admit they have a problem and the last to do anything about it. If you’re an impulse shopper, you need to remove the fuel for the impulse. MORE ADVICE ONLINE ypnexthome.ca/news/advice
do we feel we need to apologize because we don’t have the right kind of wine glasses? “Sorry, I only have these cheap glasses.” It’s a glass for heaven’s sake. 4. Do you buy certain brands because they are a status symbol? While any car gets you from point A to point B, the high-cost, brandname buggies come with “oohs” and “ahhs” from friends and relatives. Ditto the D&G sunglasses, the LV handbags, the CL shoes . . . I could go on forever. If you’re paying a premium to have a brand name, you have to ask yourself why. Is it
because you don’t have confidence in your own sense of style? Is it because you’re trying to emulate the dudes and dames of TV and movie fame, wearing what they wear, driving what they drive, eating what they eat? How come? Is your life so sad that you’re trying to escape? Hey, I’m all for spending your money on the things that bring you pleasure, so if you’re not using credit to make expensive brands part of your image, I’m not talking to you. But if you are using credit, what makes you think you have the right to this stuff if you can’t afford to pay for it?
Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt Free Forever and blogs daily at gailvazoxlade.com
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 33
FOCALPOINT FOCALPOINT
e-NEWS!
monthly podcast series – featuring your favourite in-the-know lifestyle experts monthly podcast series – featuring your favourite in-the-know lifestyle experts
2016 CONTESTS
Non-Surgical Makeover Non-Surgical Makeover A spectacular $3500 makeover with board-certified Dermatologist A spectacular $3500atmakeover board-certified Dr. Martie Gidon Toronto’swith Gidon Aesthetics &Dermatologist MediSpa. Dr. Martie Gidon at Toronto’s Gidon Aesthetics & MediSpa.
Luxe Getaway Luxe You andGetaway a friend could be our guests for a complimentary one night stay in You and aRoom friendatcould be our guests for a complimentary one night a Luxury Toronto's landmark hotel The Fairmont Royal York.stay in a Luxury Room at Toronto's landmark hotel The Fairmont Royal York.
Living With Colour Living With A Benjamin MooreColour prize package including a personal in-home decor A Benjamin Moore prize package including personal in-home decor consultation with Colour and Design ExpertaSharon Grech. consultation with Colour and Design Expert Sharon Grech.
enter online today – new podcasts every month + fabulous free contests! enter online today – new podcasts every month + fabulous free contests!
ss tt u ud d ii o o tt o ou u rr o on n ll ii n n ee .. cc o om m
e-NEWS!
FOCALPOINT
monthly podcast series – featuring your favourite in-the-know lifestyle experts
owen reeves garden variety
sharon grech living with colour
bryce wylde healthy u
hellen buttigieg life matters rose reisman e-chef
carson arthur take it outside
dr. martie gidon skin deep jamie & glen design diaries
adria vasil pure body
leslie beck b.well
subscribe online today – new podcasts every month + fabulous free contests!
studiotouronline.com sandra rinomato realty savvy
Trending
BEFORE & AFTER
How four neighbourhoods transitioned through the years By Sonia Bell
Neighbourhoods are always in a constant state of flux – real estate developers continuously develop new communities, cities make efforts to enhance their public spaces and, as these changes take place, these neighbourhood might start attracting a different population over time. // While there are many communities that have witnessed tremendous growth over the years, these four neighbourhoods – Liberty Village, Mimico, Financial District and Willowdale – have experienced some of the most pronounced transitions to date.
FINANCIAL DISTRICT Before
Before
WHILE THE FINANCIAL DISTRICT has changed significantly over
the years, one aspect of this neighbourhood has sustained; it was, and continues to be, the very heart of Toronto. The neighbourhood took form in the mid- to late-19th century when a handful of banks moved to downtown Toronto. By the mid 20th-century the Big Five banks were all headquartered in the Financial District. While the area epitomizes Canadian TODAY capitalism (even its subterranean city, The Path, boasts a healthy economy of retail and services), it has also evolved into an area where people not only work, but live and play. The area is now home to iconic skyscrapers and glossy condominiums oozing luxury and convenience. With more than 200,000 people coming in and out of the neighbourhood daily, as well as the residents inhabiting the condominiums, the neighbourhood is considered the most densely populated in the city. Congestion in the financial core isn’t new; even the earliest photos of the Financial District showcase cars lining the side of the streets and pedestrians packed on the sidewalks.
36 YPNEXTHOME.CA
MIMICO
TODAY
PART OF WATERFRONT Toronto’s revitalization of the
Toronto lakefront, Mimico has become one of the hottest new waterfront communities in Toronto. However, the area looked and felt much different before big-time developers such as Mattamy Homes, Empire Communities and Stanton Renaissance left their imprint. Mimico’s history dates to the 18th century, as a location where wealthy families built their summer homes. However, when Grand Trunk Railway was established in the mid-1800s, new housing types were developed to accommodate the new workers moving to the area. By the late 1960’s, Mimico had a relatively seedy reputation due to its infamous motel strip that was located south of Lake Shore Boulevard and east of Park Lawn Road. In the late 1990s, however, the city set out to transform the motel strip into a brand new neighbourhood, Humber Bay Shores. The strip is now long gone and has since been replaced by highrise condominiums. The Beach Motel was the last original motel standing. It was demolished in 2012, which made way for Empire Communities’ Eau Du Soleil. New condos continue to take shape in the Mimico area, and attract residents due to its key asset: the waterfront.
Before
Before MORE TRENDING ONLINE ypnexthome.ca/news …continued on page 38 JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 37
…continued from page 37
LIBERTY VILLAGE
IF YOU ASKED someone to define
Liberty Village today, they would likely describe its trendy restaurants, the burgeoning tech companies that have started to set up shop, and the new home and condo development with architecture that pays homage to the area’s industrial past. Before its industrial beginnings, however, the area was part of Garrison Common, a military fortification for Toronto (then called “Town of York”), which served as the base for the Battle of York against the Americans in 1813. It wasn’t until the 1850s, when the railway was built, that Liberty Village transitioned into an industrial hub, where it was home to factories such as Irwin Toys, Inglis Factory, and the Toronto Carpet Factory. Real estate builder CanAlfa would eventually reimagine the area, and create a master plan for Liberty Village. In the early 200s, the first phase of townhomes were built, followed by several condo buildings including, Liberty Place, Liberty on the Park, and Liberty Central by the Lake. Strolling through Liberty Village, you’ll still find traces of its industrial past – railway tracks can be seen on a brick-paved walkway; the brick structures that once served as warehouses have since been repurposed, such as Irwin Toys factory which was converted into Toy Factory Lofts by Lanterra Developments; and the tall chimney smoke stacks all serve as landmarks in the historically-rich area. 38 YPNEXTHOME.CA
TODAY
Before
Before
FUN FACT: In the late 1800s and early 1900s, the area was home to the Men’s Central Prison and the Mercer Reformatory for Women. It is believed that these institutions inspired the name of the neighbourhood’s main artery, Liberty Street (which is the namesake for the entire community), as it was the first street reformed convicts would walk once released.
WILLOWDALE
Before
Before
TODAY
LOCATED IN NORTH YORK, Willowdale was largely considered a bedroom community of single-family homes. But over the past decade, it has transformed to appeal to two very different types of buyers – both urban and suburban. The residential landscape is varied, consisting of homes from the early to mid-1990s, large “moster homes” from the 1990s, and more recently, high-density housing found along the main thoroughfare, Yonge Street. Menkes, an established real estate developer in the GTA, was significant in the transformation of the Willowdale community. In 1984, Menkes developed the 15-storey Proctor & Gamble headquarters at Yonge and Sheppard. In 1988, it introduced Place Nouveau, one of the very first towers in North York. In the late 1990s, Menkes began the development of Empress Walk, a staple in the North York community that was a turning point for the neighbourhood. With condos, entertainment and shopping all in one place, Empress Walk was the very first mixed-use development to be introduced to the area. Menkes continues to develop the area, with Gibson Square being its most recent project. JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 39
Neighbourhood Profile
Port Credit Residential hot spot in the 905
Fast facts Average household income
$98,254
Family structure
By Lydia McNutt SINGLES
COUPLES
FAMILIES
46%
33%
21%
Own vs. rent
62% RENTERS
38% OWNERS
Education levels
36%
35%
29%
HIGH SCHOOL
UNIVERSITY
COLLEGE
MORE PHOTOS ONLINE
SOURCE: ENVIRONICS
ypnexthome.ca/port-credit
PORT CREDIT’S WARM, welcoming
atmosphere makes it the residential hotspot in the 905. Homes near the lake are generally hot commodities in the GTA, and Port Credit is no different. It boasts a laidback atmosphere, quirky one-off boutiques and high home values. Lifestyle Port Credit has long been a hot spot on the Lake Ontario shoreline, from its humble beginnings as a French trading post 300 years ago to the present day. The area still serves as a premier shopping destination, with a collection of quaint stores and services. The small-town charm is bolstered by the presence of ice cream parlours, dress shops and bakeries, and rounded out by pubs, restaurants and music stores.
Vibe The area’s marine roots date back 300 years, but even today Lake Ontario and the Credit River remain a means of transportation and recreation for those looking to relax on the water, steps from the trendy and teeming Lakeshore Road strip. Meet the neighbours Port Credit Village is home to about 11,500 people. A nautical atmosphere, coupled with urban amenities, makes it an equal draw for twenty-something singles, young professionals and growing families. In the area This neighbourhood is a charmer. But you’ll have to dig deep, with detached house prices averaging north of $700,000 and property
values among the highest in Mississauga. You can still call this hood home for the high $300,000s, if condo living is to your liking. Planes, trains & automobiles Lakeshore and QEW are the main eastwest thoroughfares if you’re driving, or take public transit via Port Credit GO or Mississauga Transit, with eight bus routes cutting through the Hurontario/ Lakeshore hub and connecting to the TTC at Longbranch GO. Real estate Few spots in the GTA offer this laidback, waterfront setting within easy access of urban amenities. But with the influx of locals and day trippers on a sunny Sunday, especially during one of the many summertime street fests, Lakeshore can be slow-going. Best leave the car in the driveway and explore by foot, or boat!
Lydia McNutt is an award-winning writer and editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Yellow Pages NextHome, where real estate rules. Email Lydia.McNutt@ypnexthome.ca, and follow her on Twitter @LydiasTweets
40 YPNEXTHOME.CA
Model Home Photo Compliments of Treasure Hill | www.treasurehill.com
DISCOVER LIVING
Treasure Hill is consistently raising the bar, building one award-winning development after another. Accolades in Markham, pictured here, showcases Treasure Hill’s appealing architecture and contemporary interiors.
JANUARY 2017 Treasure Hill has been featured as “Model HOME Of The Month” as seen in the New Home Guide model home calendar
Hot Properties
Find your next home! This page features a few of the latest properties to keep your eye on in the Toronto area. Find more properties at ypnexthome.ca
LATEST LISTINGS
TIME By: Treasure Hill Homes City: Aurora Housing type: Urban towns from the high $590’s and up to 1,500 sq. ft. treasurehill.com
KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: New 60-ft. home designs plus townhomes and 30-, 40- and 50-ft. homes mattamyhomes.com
new releases SEASONS IN CALEDON PARK RIDGE
new openings CHELSEA MAPLE STATION By: Aspen Ridge Homes City: Vaughan Housing type: Stylish modern townhomes across from the Maple GO aspenridgehomes.com
NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Final phase of masterplanned community of townhomes primonthomes.com
VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the low $400’s vistaflatsandtowns.com
By: Primont Homes City: Caledon Housing type: Final release of 36-, 42- and 45-ft. detached homes primonthomes.com
SADDLE RIDGE
IMPRESSIONS IN KLEINBURG
By: Greenpark and Starlane Home Corp. City: Milton Housing type: Towns, semis, and 40- and 46-ft. singles saddleridgemilton.ca
By: Fieldgate Homes City: Vaughan Housing type: New release of 38- and 44-ft. singles from $1,200,000 fieldgatehomes.com
VILLAGE GREEN
VALLEYLANDS
By: Averton City: Mount Albert Housing type: Family-size townhomes with up to three bedrooms from the high $500’s averton.ca
By: Fieldgate Homes City: Brampton Housing type: 38- and 41-ft. singles starting from the $800’s fieldgatehomes.com
MILL STREET VILLAGE
CORNELL ROUGE
By: Ballymore Homes and Briarwood Homes City: Tottenham Housing type: 50-ft. singles starting from the high $790’s millstreethomes.com
By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the high $800’s cornellrouge.com
KLEINBURG GLEN
PARK RIDGE
By: Gold Park Homes City: Kleinburg Housing type: Collection of luxury homes in a prime location, from the upper $600’s goldparkhomes.com
By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca
…continued on page 60 42 YPNEXTHOME.CA
Ontario’s best source of real estate information to
buy, rent or sell JAN 7 - 21, 2017 VOLUME 21, ISSUE 1, FREE
JAN 21 - FEB 4, 2017 VOLUME 25, ISSUE 2, FREE
GTA EDITION
GTA EDITION
WHY 2017 IS STILL A GOOD YEAR TO BUY A HOME
Illustration is artist’s concept. E. & O. E.
Coming soon to Power + Adelaide.
Illustration is artist’s concept. E. & O. E.
INSIDE THIS ISSUE
TOP NEWSMAKERS OF 2016 FOR THE HOMEBUYER IN 2017
TRENDING: CANADA’S HOTTEST HOUSING MARKET IS…
STYLE FILE: TOP DÉCOR TRENDS OF 2017
INSIDE THIS ISSUE
BUILDING CITIES AND CREATING JOBS
DEC 3, 2016 - JAN 21, 2017 VOLUME 19, ISSUE 22, FREE (7 WEEK ISSUE)
SOUTHWESTERN ONTARIO EDITION
4 QUESTIONS TO ASK YOUR MORTGAGE BROKER
GTA HOME PRICES HIT ANOTHER RECORD HIGH
十一月十九日至一月二十一日 / NOV 19, 2016 - JAN 21, 2017 VOLUME 5, ISSUE 9, 免費贈閱 CHINESEHOMEGUIDE.COM
JAN 7 - 21, 2017 VOLUME 17, ISSUE 1, FREE
大多倫多版 / GREATER TORONTO AREA EDITION
-O PULL UT SEC AL TI CI
N O
SP E
EASTERN ONTARIO EDITION
M
CO
FEATURING DO M
N
Y
IT IE S
spotlight on condos
C
U INIU M COMM
N
CM
MY
CY
CMY
K
Illustration is artist’s concept. E. & O. E.
AT HOME WITH
comfort INSIDE THIS ISSUE
THREE REASONS TO SHARE YOUR HOMEBUYING EXPERIENCE
PROVINCE DOUBLING LTT REBATE FOR FIRST-TIME BUYERS
WHY SOUTHWESTERN ONTARIO ROCKS AS A HOUSING MARKET
INSIDE THIS ISSUE
TAKING THE LONG-TERM VIEW OF YOUR NEW HOME PURCHASE
OTTAWA TO HOLD ITS OWN IN 2017 MARKET PERFORMANCE
BRRR… TIPS TO PROTECT YOUR HOME THIS WINTER
本期內容
獲得最佳回報之裝修
GTA Chinse Front Cover_11-19-16.indd NHONCN-Cover-11-19-16.indd 1 1
SUMMERLYN VILLAGE | GREAT GULF
01-Cover-NHG.indd 1 2017 Model Home Cal NHG_Cover.indd 1
2017 MODEL HOME CALENDAR AN EXCLUSIVE COLLECTION OF THE MOST BEAUTIFUL NEW HOMES
2017 MODEL SUITE CALENDAR AN EXCLUSIVE COLLECTION OF THE MOST BEAUTIFUL CONDOS
2017 Model Home Cal TCG_Cover.indd 1
夜幕低垂保持私隱
2016-11-14 9:13 9:12 AM
RODEO SUITE | LANTERRA DEVELOPMENTS
11/15/16 10:12 AM 11/10/16 2:46 PM
智能家居裝置 令生活更輕鬆
2016-11-15 2:43 PM
LATEST LISTINGS
Find your next home! Find more properties at ypnexthome.ca
…continued from page 58
AFFINITY CONDOMINIUMS
preview registration TAZZO TOWNES By: Marlin Spring Developments City: Markham Housing type: Elegant townhomes at 16th Avenue and McCowan Road tazzotownes.com
TIMBERLANE By: Brookfield Residential City: Aurora Housing type: Limited release of 56 estate homes in a gated community setting auroratimberlane.ca
HILLSBOROUGH LANDING By: Great Gulf City: East Gwillimbury Housing type: 36-, 40- and 45-ft. detached homes on Hwy. 7, north of Davis Drive greatgulf.com
GEORGIAN SANDS By: Elm developments City: Wasaga Beach Housing type: towns and singles starting from the high $230’s georgiansands.com
AFFINITY CONDOMINIUMS By: Rosehaven Homes City: Burlington Housing type: Two contemporary midrise condominium buildings from the high $200’s rosehavenhomes.com
QUEEN’S COMMON By: Mattamy Homes City: Whitby Housing type: Detached and townhome designs mattamyhomes.com
VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.com
CITYLUX TOWNS By: Fieldgate Homes City: Thornhill Housing type: Register for a new release of urban townhomes in Thornhill Woods fieldgatehomes.com
44 YPNEXTHOME.CA
BOXGROVE VILLAGE
TWELVE ON THE RAVINE
By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com
By: Geranium Homes City: Scarborough Housing type: 12 two-storey homes on 43-ft. lots that back onto Highland Creek ravine geraniumhomes.com
BLUE SKY
DOWNSVIEW PARK
By: Fieldgate Homes City: Stouffville Housing type: Register for the next realease of 30-, 36-, 40- and 50-ft. single-detached homes and towns fieldgatehomes.com
By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes staffordhomes.ca
REAL TOWNS By: Madison Homes City: Thornhill Housing type: Townhomes starting from $1 million madisonhomes.ca
SEATON TAUNTON By: Mattamy Homes City: Pickering Housing type: Affordable townhomes alongside greenspaces and other amenities mattamyhomes.com
OAK PARK By: Ballantry Homes City: Oakville Housing type: One- to three-bedroom condominium suites ballantryhomes.com
TIFFANY HILL By: Rosehaven Homes City: Ancaster Housing type: 40- and 45-ft. singles, semidetached and freehold towns tiffanyhill.ca
THE LOGGIAS IN RICHDALE By: Senator Homes City: Richmond Hill Housing type: Luxurious 40-, 50- and 60-ft. detached homes on deep lots senatorhomes.com
Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca
Homebuyers’ Help
Compare mortgage rates for your best deal CHARTERED BANKS
variable
ATB Financial
2.5
Alterna Bank
2.6
Bank of Montreal
2.6
Bank of Nova Scotia
2.9
Canadian Western Bank CIBC
6 months
1 year
2 years
3 years
4 years
5 years
4.1 4.10op 4 6.30op
3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.94 3 3.20op 3.14 6.70op
2.39 4.10op 2.74
2.64
2.69
2.89
2.59
2.84
2.84
3.19
3.59
4.09
2.89
3.09
3.39
3.89
4.49
3.04
3.65
4.2
4.74
2.79
2.74
4.09
4.79
3.04 2.15
3.65 3.39
4.39 4.09
4.64 2.35
2.94 2.94
2.94 2.84
2.99 2.79
2.99 2.89
3.04
3.39
2.79
2.94
2.79 2.49
3.34 2.74
3.99 2.84
4.44 2.99
2.84
3.44
2.69
2.94
3.24
3.49
3.69
3.79
6.95op 4.55 6.45op 4 6.45op
2.7 6.95op
Equitable Bank HSBC Bank Canada
2.35
ICICI Bank Canada Manulife Bank
2.75 2.6
National Bank
n/a
President’s Choice Finan Royal Bank
2.7 2.7
TD Canada Trust
2.6
Tangerine
2.7
4.45 6.20op 4.45 4.4 6.70op
7.00op
2.99 7.00op 3.04 4.00op 3.19
TRUST COMPANIES Community Trust Effort Trust
n/a n/a
Home Trust Investors Group Trust
2.35 n/a
MTCC
2.9
6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op
3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op
3.25 3.5
3.95 3.7
4.39 4.3
4.64 4.35
2.14 3.09
2.34 3.39
2.59 3.89
2.79 2.45
3.09
3.39
3.89
4.49
4 6.30op 6.2 6.40op 3.1 4.25 6.50op
2.79 6.30op 2.84 6.30op 2.64 2.89 6.50op 3.25 6.25op 2.84 6.30op 3.04 2.8 2.95op 2.39
2.74
2.59
2.84
2.84
2.89
2.95
2.99
2.89
2.64 2.79
2.64 2.89
2.84 2.95
2.94 2.89
3.2
3.65
4
4.5
2.79
2.64
3.89
2.54
2.84 2.85
3.39 2.95
3.89 3.05
4.49 3.15
2.39
2.39
2.49
2.49
OTHER FINANCIAL INSTITUTIONS Alterna Savings
2.6
Comtech Fire C.U.
2.45
First National Fin. LP IC Savings
2.7
Luminus Financial
3.25
Meridian Credit Union
2.4
PACE Savings & C.U. Parama Credit Union
2.65
Steinbach Credit Union
2.25
4.75
ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator 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 Dec 29, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700
JAN 21 - FEB 4, 2017 | NEW HOME GUIDE 45
What’s Online
Trending now The latest real estate news from across Canada
Area carpets: Let’s lay it all out there READ THE STORY ONLINE
Canadian home sales cool but prices continue to rise
nexthome.yp.ca/area-carpets
READ THE STORY ONLINE nexthome.yp.ca/home-sales-cool
Top 5 celebrity home sales of 2016 READ THE STORY ONLINE nexthome.yp.ca/celebrity-sales
Next stop, success: Why you should invest near transit
Want more great articles like these delivered directly to your inbox? SIGN UP FOR OUR NEWSLETTER
READ THE STORY ONLINE nexthome.yp.ca/invest-transit
Twitter @ypnexthome @ypnexthome_GTA
Facebook ypnexthome
Visit our website: 46 YPNEXTHOME.CA
nexthome.yp.ca/newsletter
Instagram ypnexthome
Pinterest ypnexthome
Your dream home is waiting SEARCH ON THE GO!
Download our app & never miss out on the perfect home again.
Browse the latest new homes and condos in your area Visit ypnexthome.ca/listings to get started
DOWNLOAD THE APP NOW
e
projects & communities MAP LISTINGS IN THIS ISSUE PAGE
BUILDER
SITE
CONTACT INFO
continued from page 48 PROPERTY TYPE
PRICE RANGE
PIN
MAP FINDER
East 17
Fieldgate Homes
Whitby Meadows
fieldgatehomes.com
D
T
31
28N
IFC & 1
Mattamy Homes
Queen’s Common
mattamyhomes.com
D
T
91
27O
Mattamy Homes
Seaton
www.mattamyhomes.com
D
T
44
24N
Great Gulf
Hillsborough Holland Landing
greatgulf.com
D
51
18E
Great Gulf
Sharon Village
905-478-7362
$600,000
65
20E
Great Gulf
Summerlyn Village
905-775-3461
from $700,000
52
17D
Mattamy Homes
The Estates of King Township
mattamyhomes.com
74
16I
Rosehaven Homes
Anchorwoods Holland Landing
anchorwoods.ca
D
S
86
19E
Fieldgate Homes
City Towns Valley Lands in Brampton
fieldgatehomes.com
D
S
Fieldgate Homes
Lotus Pointe Caledon
905-838-2806
D
Fieldgate Homes
Valley Lands
905-457-0445
D
Great Gulf
Trafalgar Landing
905-844-1605
Great Gulf
Westfield
905-866-6876
Mattamy Homes
Cranberry Hill
mattamyhomes.com
Mattamy Homes
Hawthorne South Village
mattamyhomes.com
T
Mattamy Homes
Mount Pleasant North
mattamyhomes.com
T
Mattamy Homes
Mount Pleasant Village
mattamyhomes.com
Mattamy Homes
The Preserve
mattamyhomes.com
Mattamy Homes
The Village of Southfileds
mattamyhomes.com
Mattamy Homes
Topper Woods
mattamyhomes.com
T
$520,000
Mattamy Homes
Wildflowers
mattamyhomes.com
T
$195,000
from $350,000
North 7
T
D
T
West
17
S
T
from $400,000
26
9P
T
from $724,000
23
8M
T
from $800,000
26
9P
T
$200,000
30
8V
from $537,000
24
8P
59
6S
60
7O
93
8O
29
7V
66
8M
D
$325,000
D
from $634,000
C
T
$406,000
C
Property Type D Detached S Semi-Detached T Townhome
projects & communities MAP LISTINGS IN THIS ISSUE PAGE
BUILDER
SITE
CONTACT INFO
PROPERTY TYPE
PRICE RANGE
PIN
MAP FINDER
Central Fieldgate Homes
90 Niagara
416-981-0036
D
T
$346,000
35
16S
Fieldgate Homes
Aurora Trails
fieldgatehomes.com
D
T
from $620,000
14
19G
17
Fieldgate Homes
BlueSky Stouffville
fieldgatehomes.com
D
from $700,000
12
22J
17
Fieldgate Homes
City Lux Towns
fieldgatehomes.com
D
53
16L
17
Fieldgate Homes
IMPRESSIONS
905-893-9500
D
3
12K
Fieldgate Homes
Zigg
416-545-0223
D
36
16R
Great Gulf
Corporate
416-449-1340
T
Madison Homes
Briar Hill
madisonhomes.ca
T
from $500,000
1
16Q
Madison Homes
Cornell Rouge
905-472-9556
D
from $890,000
16
23M
Madison Homes
REALTowns Thornhill
Madisonhomes.ca
D
from $1000,000
85
17L
Madison Homes
Thornhill Ravines
905-417-1203
D
$1800,000
53
16L
Madison Homes
Zigg
ziggcondo.com
D
from $380,000
10
18J
Mattamy Homes
Alderidge
mattamyhomes.com
D
from $1138,000
82
13S
Mattamy Homes
Cornell
mattamyhomes.com
D
T
from $260,000
17
22M
Mattamy Homes
Corporate
mattamyhomes.com
D
T
Mattamy Homes
Downsview Park
mattamyhomes.com
37
15P
Mattamy Homes
Heron Park
www.mattamyhomes.com
Mattamy Homes
Kleinburg Summit
mattamyhomes.com
Mattamy Homes
Lago
monarchgroup.net
Mattamy Homes
Picasso on Richmond
monarchgroup.net
Mattamy Homes
Richmond Green
mattamyhomes.com
Mattamy Homes
Riva del Lago
monarchgroup.net
Mattamy Homes
Thomson Towns
mattamyhomes.com
Mattamy Homes
Upper Summerside
www.mattamyhomes.com
Rosehaven Homes
Corporate
rosehavenhomes.com
5
BC
13
continues on page 47
T
S
T
from $1200,000
T
S
T
S
S
D
D
T
from $400,000
38
22Q
T
from $860,000
84
13K
C
$220,000
39
14S
C
from $550,000
40
16S
41
18K
$300,000
39
14S
from $450,000
42
19R
T
C
D
S
T
T
Property Type D Detached S Semi-Detached T Townhome
Baxter
ve
Line
Line
Line
Line
10th
8th
11th
SC a
A
rte si Disse tte an In d
d
Simco
Ave
Line
Line
5th
3rd
Browns Line
Bayvi w
Ma St in
Rd
Line
Line
Mo rn
Am eric an Dr
Clay
6th
W eston Rd
tC an al
Conc
7th 6th
4th
Scotch
Conc
Rd
Conc
Line
Line
5th
Rd
Rd
EHS
EHS
Rd
EHS
Line
Line
3rd
Line
Centre
3rd
of
2nd
7th
r vic e Rd
River
4th
WHS
Wales
Melanctho n - Mulmu r Townlin e
Line
Line
5th
4th
Prince
Mono C
27-28
24-25
Sideroad
Sideroad 27-28 Sideroad
EHS
d Se
Ave
Pape Ave
40
Jarvis St
35
Queen St W King St W Front St W
Parliament St
Edgewood Rd
e
Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St
University Ave
Moffat Rd
Moore Ave
Bro adv iew
Christie St
Lansdowne Ave
Carey St Rd
36
Laird Dr
Avenue Rd
Spadina Rd
St Clair Ave W
Davenport Rd Dupont St
Ossington Ave
eld d
Toronto
Eastern
io Commiss
Rd
Park
Dr or ds Win
ore esh Lak
Rd
Rd
r Gr D ple Ma
nte Bro
e Lin
oxley d
1
Va ug ha nR d
Mt Pleasant Rd
OakwoodAve
Meddaugh Rd
B
Glencairn Ave
Rogers Rd
Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk
Middletown Rd
Allen Rd
Pos Lawrence Ave W
Rd ian Lorne Ind
19 Dr Ford
Middletown Rd
York Mills Rd
4th e Lin
Rd
Shep
St rr Ke
e Lin 3rd
Dr
Middletown
Will
n ow thd Sou
Lennon Rd
Cum
Willowdale Ave
Wilson Hts Blvd
37
Caledonia Rd
Rd
d Blv
r
tt
Rd
Dufferin St
Drewry Ave
Senlac Rd
r
d nR sto We
39
Old
Tho
North York
Downsview
k Cr Dr Blac
d Blv Haig
Lake Shore Blvd W
Park Lawn Rd
Judson St
e rmer WindeAve
Prince Edward Dr Royal York
The Queensway
Runnymede Rd
ay sw
Norseman St
82
Barrie St
New W estmins ter Dr
Sen tinel D r
Oakdale Rdy
ia Rd Caledon
Th
The East Mall
Burnhamthorp eR d Bloor St W
Bathurst St
Dufferin St Peter Rupert Ave
Keele St
Jane St
Weston Rd
40
Centre St
71
Grandra v i ne D
Tre the wey Dr
eK ing
85Carrville Rd
Summeridg e Dr
HWY
Wilson Ave
Rathburn Rd
Evans Ave Horner Ave
Jane St
Jane St
Langstaff Rd
Maple Leaf Dr
The Westway
Richm 53
55
Norfinch Dr Dr
Islington Ave
400
Etobicoke
The West Mall d lR Mil
Rd
Fraser St
Wanda St
Rutherford Rd
Dixon Rd
Renforth Dr
rry nga Gle
la eo Min
ve rA ate Rd Atw re ho kes La
Teston Rd
Bass Pro Mills Dr
ar nm Fe
Rexdale Kipling Ave
Carlingview Dr
Rd thra Caw
kwy nP
QEW
Rd Wist Rd Davis
Pine Valley Dr
Martin Grove Rd
Finch Ave W
Gamble R
McNaughton Rd
Langstaff Rd
Weston Downs
Jefferson
49
409
427
py Ex er rdin Ga
20
Sideroad 10
Coffey Rd
Weston Rd
Kipling Ave Clarence St
McGillivray Rd
Hunting ton Rd
r te D dga Fiel
e nf Co
wy l Pk tra Cen St rio nta Huro
dale Erin Rd Stn
Rd vis Ma
Cooksville
17
McKinstry Rd
Sideroad 5
Rupke Rd
7th Concess ion
Mill Rd
King-Vaughan Rd
Kirby Rd
79 73
Bloomington Rd
King Rd
Dr Gore
Rd ken Tom
rat io
wy Pk
Holancin Rd
River Rd
Leonard Rd
8th Concess ion
10th Concess ion
Cold Creek Rd
Dr ay rkw Cla
72
74
11
Steeles Ave W
Blv d
He
Eastlake
d ell R rtw Cha
Do
o e N Lin 4th
oak Burl
Westover
King St
Sdrd 20
11th Concess ion
r eD rain Cole
r st D We
Rd ga sau sis y kw Mis ls P Mil Erin
e Lin 9th
hill hurc nC sto Win
e Lin 8th
yal Ro
St ian M
12th Concess ion
line Caledon-King Town
r nD Vea Mc
Dr way Gore
Dr ort Airp
Rd
Rd iew ditv Cre
ay xW y Fo Terr
de
Sideroad 20
Sideroad 17
Rd lfe Wo Mt
d ek R Cre ille trev Cen
n ghli Lau Mc
a
e Lin 10th
lvd aB yaga w Ne
Rd St
Rd
Lorne Pk
403
N
Rd all rnw Co
Dr
ate stg Ea
Clarkson
Iroquois Ridge
38
v al Dr ing hil G t
Sideroad 20
Sideroad 18
ad 15
10
Tr ion Alb
Rd tion Sta Rd ber Gore Hum The
t in S Ma
Rd ord herf y Rd Ru ned Ken
wv ado Me
403
St as nd Du
Oakville
Sdrd 18
Sidero
Side road
Queen St
d nt R asa Ple unt Mo d eR Hop unt Mo
St en Que
St La ys Duff
Rd lea ma Bra
d ie R Dix
Rd iew ditv Cre
e Lin 4th
30
29
Sideroad 15
Sideroad 10 Patterson St
Tottenham Rd
Adjala/Tecu mseth Tow n Line Concessio n Rd 8
Concessio n Rd 7
Conc Rd 6
Rd ram Torb
Rd Hill
Rd ake rt L Hea
St
e Lin 6th
Trafalgar
Bronte
M Rd ca iss bec St issa Re ga St
St
Rd rpe tho am rnh Bu
rn
403
Erin Mills
27
QEW
Rd St
e Lin 8th
ay xW y Fo Terr
r ste rve Ha
St La ys Duff
oe esh Hors
rio nta Huro
d ar R falg Tra
Rose
eW Av
13
Rd dle Mid per Up
Cr 38 Rd
Concessio n Rd 8
Concessio n Rd 5
Concessio n Rd 4
Dr ake is L Inn d wR invie unta Mo
e Lin 9th
inw Ma
Concessio n Rd 3
Concessio n Rd 2 Mono/Adjala Town Line
Glen Rd y Haff
d sy R cou gua Chin
e Lin 10th
dle Mid
e Lin
aga nd Tya Rd Pk
20
Tu ck Palmeray
r pe Up
Concessio n Rd 3
EHS
EHS
EHS
Rd
Henderson Rd
5
Brant Hills
Concessio n Rd 2
7th Line
7th Line
6th Line
w’s ndre St A y kw wP Sno es Jam
Tansley
lkers Wa
18
Rd
w Bro Mtn
St
Palermo
u th b Ra
n linto Eg
4
y Rd ppleb A
as nd Du
Dr
St
Braeheid
Highview Survey
lph Gue
Waterdown e sid Park
Meda
E
Waterd
t 1s
Burlington Nelson don Hea Rd
c Con
M ng Spri
Streetsville
oss Dr Kingcr
Belfield Rd
403
53 16th Sideroad 6
Woodbridge
thwest D Nor r
Dr ark eyp urtn Co d R ia ann Brit 4
lvd heson B Mat
1
407
e Lin ase rB we Lo
Re xd ale
Mi
Snowball
7
Star Dr ing
401
Mississauga
3
407
Rd d roa rpe ide tho dS am 2n rnh Bu 5
nt Bra
4th Conc W
5th
e Lin 5th
ad ero Sid
d wR Dre
407
Rd rry De Old
Meadowvale
5
Rd rry De
6
e Lin ase rB we Lo
r oC Nem Mt
en Gard Ave La tre Cen 6
Flamboro Centre
e Lin 8th
4th
Rd
hard Orc
Kin rns Ke d R ns ine Eva ar dL Rd Ced rings Blin Sp d W rth sR fo ring Bee r Sp l St e Rd Ceda on Mil in St n Lin obs R Maamilto ugh yatt Rd H boro W d Mil R St n Johartin M r C
rd Sd
E
nia an Brit
20
d gR llin Co
en Gre ng Rd Spri
Millgrove Shelton La
W
d wR invie unta Mo
Cr
Bramalea
Strawberry La
31
55
56
Vaughan
17
Alb ion Rd
Emma Rd
Bernhardt Rd King St
17th Sideroad
King
427
d Blv
Pu m
t
Lloydtown- Aurora Rd
n’s Mill Rd ma eg St
72
eS
Grah Juliana Rd
Rd nk Ba Tornado Dr
Edward Ave La ers Woodcho pp
nk Rd l Ba na
idg
8
ettleby Rd KKettleby
84
Zenway Blvd
s
Br
eR
19th Sideroad
25
5
26 18
Churchville ve sA ele Ste
Milton
e Lin 1st
e Lin
Brock Rd
Concession
d eR tag Heri
e Lin 3rd
rd Sd
e Lin lkers Wa
ugh boro Mil
ad ero Sid t e S 8th brid Kil
n ma cE Huis Con La 6th
Rd
d sR Twis
Rd en Niv Mc
th 12 1
rk Cla
Webber Rd
Happy Valley
Nobleton
24
Rd
107
Brampton
6
l e B lv
59
25
zer ene Eb
We
Lloydtown Au ro ra Rd
15th Sideroad
Langstaff Rd
4th Line
16
Linton
Elder Mills
52
Holland St
6th Line
3rd Line
16th Sideroad
3Kleinburg
8th Line
88
4th Line
17th Sideroad
27
73
10
Bond Head
18th Sideroad
Rd
re mo stle Ca
410
ee Qu
24
6
15
4
7
Rd ine ma Tre ine oolL Sch Bell
e
d nR elto Fre
Cree
Flamborough Hayesland
t in S Ma
St rio nta
St nte Bro
th 14
wy Pk
Northwood Park n St
13 8
son mp Tho
e Lin 1st
22
rd Sd
St
4
401
Ct od Wo
St rtin Ma
rd Sd
e r Lin 4th rthur D cA Ma
d sR ele Ste
e Lin 6th
e Lin 3rd
ton Mil Cr Hts
3rd
13
Mansewood
in Ma
e Lin leby App
ad ero Sid
ad ero Sid
d ld R yfie Ma d eR sid y tr un Co
Huttonville
3
5th
e Lin blin Du
Camp bell vill e R d
Gl
Ave tre Cen
e enc
Harper Cors
W
Rd
e Lin 10th t nS ratio fede Con
th 10
ad ero Sid
9
7
Gulliver
10
Old
y kw sP liam Wil Madoc
93
107
t hS urc Ch
Nashville Rd
r dD vair Bo
19
d yl R ale He
8
Line 7
27
49
d oo alw nd Sa
60
Dr River
ad ero Sid
c d Mt Inc.(2016) ad Con 2n ©cartography and ero 7th design: eLucidmap dad s Nemo Sid
6th Conc
Brock Gardens
th 15
Scotch Block
e Lin 6th
c Con
n
U
14
9
Bradford W Gwillimbu
Newton Robinson 8th Line
9
ay ia W mb Colu
Rd ol ho Sc
Heart Lake Villages
Dr ss nle Wa
St ce Prin
d
ad ero Sid
d gR Kin
Snelgrove
Humber Grove
ad ero Sid
Pinkerton
Penville
Schomberg Heights
19th Sideroad
Cedar Mills
d hR urc Ch
erg ed stl Ca
23 Valleywood 66
rd Sd nd 22
e 11 Av Delr ple Ma ex Blv d
ad ero Sid
25
k Tr haw Mo
Rd
Westove
Rd
e Lin 4th
ine nL Tow Hills lton -Ha ton Mil
e Lin 4th
r wT evie Pin
ine nL Tow
th 10
V
Sod om
e Lin 3rd
e Lin blin Du
e Lin lph Gue
Sayer’s Mills
T
4th
th 17
9
Arm stro ng A ve
rd Sd
r eD lair isc Enn
Darbyville
id e th Re nlin 14 nc Tow Co ugh 9 6 boro lam -F rd h Sd linc d Conc 1 Pus 3rd le R llvil Puslinch ’s pbe n Cam rso Rd he nr berg cP a ts o n Rd M Gore un cE Mo Rd La Con 12th 10th Concessio cE E nW Con ion ess 12th c n Co 11th Hoo Rd d nE sio ces 97 Con 10th Rd isle Carl Strabane Rd Sp Rd ton s gre Pro cE Con 8th
W
nd 20
Rd
o Wildwo
rd Sd nd 22
d rR lke Wa
1
Halton Hills
ad ero Sid
Moffat
roo Tr llb k Fa
e Lin 5th
Mill St
e Lin 5th
S
7
e Lin 6th
-6
n5
10 si on es
9 C
d ill R rch Chu
-7 n6 sio ces Con
c Con
n
36
l tn P eM Blu
e
Lin
ine
1st
nL
11
sio
th 17 rd Sd
Rd
Macdonald-Cartier Freeway lie Les
io ess onc
ff
ss alfa
Rd
n Lea Mc Rd
d
a ero Sid 23
34
R
k 46
th 20
10
ces
c Bro
oyle
1
34
e Lin
Tow
n
Con
rs me Ham Rd
sio
ces
n
sio e
Sid
ley
son aw nL Gle
25
ad ero Sid 25th
e Lin 1st
sio
ces
a tori Vic d R
Rd
15
d roa
Dr Lk tle r Tur Ter lium Tril
Q
ces
Con
Farnham
Con
ton er
P
e Lin
me Hu Rd
iew nV rde Wo
Guelph St
ad ero Sid 30th
th 28 rd Sd
n Tow
37
e Lin 2nd
Rd
Rd
Arkell
ell
Ark
th 30 drd S
Ed
O
n sio ces 3-4
s mo Era en
41
Con
d
Tr
Eden Mills
e Lin 3rd
sa Con
44
ia n
25
Ct les Co
9th
mo
/Era
e
27
c Con 2-3 In d 29
7
r sD ind th-w Sou
Erin
Lin
N Eramosa
Sdrd d 27th ill R eH esli d L R l hil
Campbells Cross
Victoria
a aug siss Mis
e Lin 6th
t lS Mil
n
4th
mosa h-
Silver 7th Creek Dr 2
rd Sd
Caledon
d nR tio Sta
Old
ctor A v e Pro
n sto Bo 4
Inglewood Boston Mills
l Ln M il
d ls R Mil
12
d dR afa llin Ba
42
ine nL ow ls T Hil on lt /Ha Erin
d roa ide nS rso tte Pa
Creek
5th Line
Mill St
400
11th Line
1
Rich Hill
2nd Line
89 14 Line
New Tecumseth
2nd Line
17
Church St
13th Line
9th Line
Tottenham
Churc
16
14 Line
7th Line
14
rd Sd en ve unsd eA H Pin
50
22
Beeton
Queen St
Randall
Allimil
Main St
Cedarville
Rd line ase eB Old
10
e Lin 9th
n sio 6-7
50
d5
roa
e Sid
5th Line EHS
EHS
ces
d ar R falg Tra
Con
e Lin 8th
e sio ces Con 5-6
M 124
ay lW Hil ad wk ero Ha Sid ge an r Silver eG Th
Rd dit Cre the of ks For
Rd iew ditv Cre
10
24 49
4th Line EHS
3nd Line
2nd Line EHS
e
nlin
10
Caledon
10
Line Line
Cookstown 15 Line
Thompsonville 12th Line
50
ad ero Sid
7
ad ero Sid nt me arp Esc
1
e ksid Roc haws RdS d ek R Cre d Blv ws hill Sha hurc nC sto Win e Lin 10th
Lin
Tow
ad
ero
Sid
Ospringe
S
5th Line EHS
3nd Line EHS
EHS d nR Lare Mc
e
e
Lin
1st
a
5
ad
ero
Sid
d9
Sideroad 5 Adjala
rty ne Fin
Rd
e
Lin
Lin
e
Lin
2nd
Erin
Brisbane
Achill
53
3rd
15
56
Green Briar
Industrial Pkwy
In
Line
Bethesda
Sideroad
14
Nicolston
Line 10
Sideroad 5 Adjala
ad ero Sid ns ha oli Co
13
Albert St
Loretto
Line
5th
Elmgrove
12
Sideroad 25 Adjala
Ballycroy
24
a gL rin cke Pu
52
124
ro ide
124
y ghb lou Wil
10th
e
Lin
e
5th e
sa-
3rd
Lin
mo
ro
Erin
S
11
50
Connor
11
Erin e Sid
1
Hockley
6th 27
Sideroad
5th
Victoria St
Sleswick
St sh Bu
Sid
Sid
Lideroad 1
Rd
5
1 ad
15th Sideroad
rd Sd ve Gro ech Be
5
d1
Lin
4th
Era
d
a ero
10 13
Sideroad 20 Adjala
Relessey
Brown’s Rd
Blount
rd Sd
ad ero Sid
n sto arle Ch
124
a ero
17
20th Sideroad
18
t yS Terr
136
t ac tar Ca
23
Glen Cross
Rae Ridge La
t rS the Hea
Coulterville
6th
Mimosa
8th
22
Airport Rd
EHS
1st Line EHS
Rd eld erfi Port
t in S Ma
e
Sid
Cedar Valley
8
15th Sideroad
Rosehill
rd Sd ve Gro
Binkham
Hillsburgh
24
ad ero
J
26
1st Line
ine CL
d ek R Cre ws Sha
Lin
e nlin Tow
7
d2
roa
K
Rd son Daw
ine AL
7
d2
roa
e Sid
St ville ge an Or e Sid
9
Egbert
10th
Sideroad 10
Sideroad 30 Adjala
Shady Glen La
Rd kley Hoc
t oin hp Hig
St een Qu
ech Be
I
22
1st St
Veterans Way
ine BL
ine nL Tow axa rafr Ga
24
26
hiloh
109
Caledon Lakes
9th
a frax Gara st We
Line
t Eas
Erin
Purpl Hill
136
e Lin 18th
e Lin e Lin
-
Prices H Corners
Orton
rge Mills
Cardwell
Reading
Craigsholme
Simpsons Corners
Rd ge rria 23 Ca Old
e Lin 19th
e Lin 13th
G
e Lin 17th
d sR gu Fer leevil ng Ora
e Lin 15th
ad ero Sid
Marsville 3
109
East Garafraxa e Lin 16th
e Lin 12th
11th 10th 9th 5
12
Amaranth Station
d th 15 eroa Sid th 10
Dunby Rd
16
F
8
Sideroad
LineHeights
7th
4th
5th
5
Adjala-tosorontio
Mono
7
Station St
5
2nd Lin e
Hurontario St
2nd Line
Gra
Rd
1st Lin e EHS
Blind Line
Mono - Am aranth Tow nline
3rd Line
Camilla
5th Sideroad
E
7
Sideroad
Elder
entre Rd
8
Laurel Station
Rd 2-3
ood Belw
10
10
109
ic
11
Conc Rd 3-4 25
ad ero Sid
Elba
10th Sideroad
Valley
rd
4th Line
Bowling Green
D
Rd 4-5
6th Line
Tarbert
Conc
6
15th Sideroad
Rd 6-7
Grand Conc
Crombie
20th Sideroad
Ri
Conc
25th Sideroad
Amaranth
C
Lutherv er
5
Sideroad
Stanton
5
Rosemont
5th Line
Leggatt
4
18
Earnscliffe
5th
r ve Ri
10th
Everett
5
89
Blacks Corners
Campania
Rd 8-9
Sdrd
Boy ne
17
Mulmer
7th Line
Conc
Dean Rd
19
Mansfield
Whitfield
30th Sideroad
8th Line
nd Gra
B
East
3
9th Line
10th Line
Colbeck
15
Monticello
SW
2
Maple Grove
A
124
5th
e Lin
SW
1
Jessopville
Rd 12-13
Line
d 2n
SW
e Lin
Conc
10
d roa ide 0S 30
Keldon 25
17
SW
Melanctho n - Proton Townline
e Lin
Melancthon
e Lin
8th
ad ero Sid
0 28
Rd
4th
7th
th 10 e SW Lin
8
17
ad ero Sid
15
Innisfil
Thornton
projects & communities IN THIS ISSUE
Riverview
0 27
Mulmur
9th
Horning’s Mills
s eer Sp cca be Re
Search online or download ou
Dawson Rd
9th
7th
6th
5th
4th
2nd
Rd
1st
Thorah
Boundary
17
Cooney Rd
Jewel Rd Vickers Rd
Gamsby Rd
Lawrence Rd
35 115
Arthur St
Bell-wood Dr
Golf Course Rd
Moffat Rd
Lockhart Rd
King St Stephenson Rd
Mill St
Riley Rd
V
Pollard Rd
Ho Port ove rR d
Fowler Rd
opper Pa G r as s h rk R d
East Region
U
Squair Rd
Bennett Rd
Waverly Rd
T
Darlington Clarke Townline
Providence Rd
Lambs Rd
Bowmanville P
West Region North Region
42
Kirby
Ochonski Rd
Bragg Rd
Mearns St
O
S
Central Region
4
Concession Rd 3
Main St
Queen St E
oners St
Nixon Rd
N
Leskard Rd
Cole Rd
Mearns Ave
Concession St 57 Baseline Rd
Bethesda Rd
14
Acres Rd
Middle St
Presto nva le R d
5th
Sdrd
English Rd
Dukelow Rd
17
Cameron Sdrd
Ma ple
Be ac h
Rd
Sideroad
Cr
Holmes Point Rd Victoria S
M tP lea sa nt Tr ail
Duclos Rd
Mapl
La ke Dr
du stri al Pkwy
Virginia Blvd
St ou ffv ille
ed Rd
Skelding Rd Allin Rd
Mosport Rd
Gibbs Rd
Aked Rd
Clemens Rd
Sew ells
Dick Re
New Park
Best Rd
Woodley Rd
Green Rd
r
H Corneil Rd
eS t
Ted Graham Rd
F Hall Rd
Murphy Rd
Longsault Rd
35 Concession Rd 10
R
DOWNLOAD THE APP
Concession 2
Boundary Rd
Q
START YOUR SEARCH
River Rd
Wilson Rd
Mahoods Rd
K
Concession Rd 7
Rd
ur app to view all builder listings
Concession 6 Concession 5
L
y kw
LAKE ONTARIO
A Ray Rd
Johns Rd
Concession 7
Lotus
M Clarington
Liberty Rd
Hancock Rd
n sto ng Ki
M James Rd
Nesbitt Line
Cedardale Rd
I
St Clair Ave E
Rd rth nfo Da
Allan Long Rd
View Lake Rd
Yelverton
Concession Rd 8
Concession Rd 4
Maple Grove Rd
Maple Grove
5
7A
Cartwright East Quarter Line
Holt Rd
Rundle Rd
Trulls Rd
Courtice Rd
401
2
Concession 11 Concession 10
20
Taunton Rd
Salem
H
Concession 4
Cedar Park Rd
Solina Rd
Washington Rd 34 Bloor St
HWY
Concession 12
J
Hampton
Nash Rd
G
Concession 3
Lettner Rd
Vannest Rd
59
Concession Rd 6
Pebblestone Rd Tooley Rd
Townline Rd
e Murray Av
Dovehaven Rd
McLaughlin Rd
Old Scugog Rd
Ormiston Rd Langmaid Rd
Olive Ave
Park Rd
P
ll i p
Union School Rd Wotten Rd
Enfield Rd
Townline Rd
Bond St
Solina
Mitchell’s Corners
62 hi
Hoyer Rd
Nestleton Rd
Cartwright West Quarter Line
Sandy Rd
Graham Rd Russell Rd
8855
58 King St
22 rth St Went wo
60
Enniskillen 3
Sand Bar Rd
Ogemah Rd
Washburn Island Rd
Rd
Wilson Rd 35
Grandview St N
54 Adelaide Ave
Gibb St
34
Conlin Rd Harmony Rd
Ritson Rd
Burns St
Valentia Rd
Eldon Rd
Beacroft Rd
Mississaugas Trail
He ad
Harmony Rd N
Simcoe St
Halls Rd
Pickering Beach Rd
Shoal Pt Rd
Westney Rd
Harwood Ave
Henry St
Hopkins St
Dundas St
Grandview St N
Ritson Rd
53 Stevenson Rd
36
52
Concession Rd 10
Concession Rd 7
Oshawa
28 Ma nn in g Rd
Barry Moore Rd
Bush Rd
White Rock Rd
Fingerboard Rd
Sim coe St
Till Sdrd Stevenson Rd N
Garden St
Cochrane St
Salem Rd
Victoria St
Whitby Brock St
McQuay Blvd
Halls Rd
Ravenscroft Rd
3143
4
Byers Rd
Mountjoy Rd
57
Janetville
Fallis Rd
Cadmus
Devitts Rd
Concession Rd 9
33
Nestleton
McKee Rd
57
3
71 2
3rd Concession
Barry’s Rd
Station Rd
Old Simcoe Rd
Thornton Rd
Columbus
Bradburn Rd
Burketon
Boundary Rd
Winchester Rd
16
Thickson Rd
Anderson St
12
Taylor’s Rd
Sideroad 18
Sideroad 18A
Stevenson Rd N
Duffs Rd Cedarbrook Tr
Country La
Salem Rd
Westney Rd
Squire Beach Rd
East Ave Port Union Rd
44
Diamond Sideroad
Bryant Sdrd
Country La Coronation Rd
Halls Rd N
Greenwood Rd
Lyndebrook Rd
91
41
24
Cochrane St
Kinsale Rd
Sideline 4
Paddock Rd
Riverside Dr
2
Columbus Rd
3
Rossland Rd
Ajax
26
19
Raglan Rd
Raglan
7 12
Howden Rd
Brooklin
Taunton Rd
Shirley Rd Coates Rd
Myrtle Ashburn Rd
Sideline 2
Ashburn
5th Concession Rd
31
Scugog Line 3
t Rd
Malcolm Rd
Edgerton Rd
Church St
2
Heron Rd
Dagmar Rd
Balsam Rd
Myrtle Rd
Scugog
Scugog Line 4
Scugog Line 2
Brawley Rd
Greenwood
oin
Mariposa/Ops Bdry
Eldon Rd
Ridge Rd
Spadina Sdrd
Grey Sideroad
Rd st Ma
Lakeridge Rd
High P
Eden Rd
Sideroad 18A
Blackwater Rd Reach St
Chalk Lake Rd
Mount Zion 31
HWY
Rd
Bayly St Sandy Beach Rd
eE Av
Lawrence Ave E
Church St
Liverpool Rd
Valley Farm Rd
Sheppard Ave
Brock Rd
ton gs Kin
Balsam Sideline 5
Sideline 22
Sideline 22
Whites Rd
Dixie Rd
Rosebank Rd
Altona Rd
38
Sideline 12
Sideline 24
Concession Rd 3
27
89
38 West Hill
44
Finch Ave
Westney Rd
Sideline 14
Sideline 22
Sideline 24
North Rd
Sideline 28
7
rd pa ep Sh
Meadowvale Rd
Morningside Ave
Scarborough 42
Guildwoo d P
4th Conc Rd
Beare Rd
Milner Ave
Military il Tra
Dr
Bellamy Rd
Eglinton Ave E
Brim o rt on
Scarborough Golf Club Rd
Daw es R d
Coxwell Ave
Woodbine Ave
Greenwood Ave Donlands Ave Jones Ave
Victoria Park Ave
Midland Ave
Pharmacy Ave
Birchmount Rd
ath le P Brid
Brimley Rd
Don Vally Pkwy
Don Mills Rd
Ellesmere Rd
Sewells Rd
Sheppard Ave
Neilso n R d
Nugget Ave
Old Finch Ave Rd
Whitevale
Plug Hat Rd
Sideline 14
Sideline 16
Sideline 20
Sideline 26
Sideline 34
Box Grove Steeles Ave E
E Ave evin McL
401
rD no
Pickering
407
11th Line
71
Tapscott Rd
Middlefield Rd
Leslie St
tingwood Dr H un
ppard Ave
O’Co n
Markham-Pickering Townline
Denison St
404
Mortimer Ave
wy
ark Dr
Markham Rd
14th Ave
71
Agincourt
erlea Blvd Ov
7
Hill
8th Concession Rd
Whitevale Rd
n Rd Alde
Passmore Ave
Eglinton Ave W
ns P k
17 16 Locust
7th Concession Rd
7
McNicoll Ave
st Rd
u se
HWY
Esna P
mmer Ave
n Ave
Co
9th Line
Unionville
Reesor Rd
Markham
d
Main St
Woodbine Ave
Leslie St 12
ornhill
lowdale
17th Ave
94
73
07
John St
Major Mackenzie Dr
25
al
16th Ave
69
Glen Major
Claremont
57 Proutt Rd
Jobb Rd
Uxbridge Pickering Townline
5
Elgin Mills Rd
67
Webb Rd
Altona
Dicksons Hill
48
D on
Warden Ave
mond Hill
65 Kennedy Rd
Victoria Square
McCowan Rd
19th Ave
29
41 49
Main St
Pine Pt Rd
Ma Brown’s Rd
Beacock Rd
Pine Rd
1
Sideline 32
Jefferson
Glasgow
Stouffville 12 10th Line
Rd
Stouffville Rd
14
n Sideroad St
Markham Rd
10
Bethesda Rd
Bethesda
Houston Rd
Allbright Rd
Concession 14
Mabels Rd
L AKE SCUGOG
Utica
Brock Rd
Yonge St
Sunset Beach Rd
nd Isla
Rd
Scugog Line 6
Ried Rd
21
47
Secord Rd
Demara Rd
Whitfield Rd
Epsom
F
Rainbow Ridge Rd
7 Mile Chandler Dr Island Rd
Scugog Line 8
Ward Rd
Cottage Rd
7
8
40
Whitchurch-stouffville
Wetheral Sdrd
R
Goodwood Rd
HWY
Marsh Hill Rd
Brookdale Rd
47
E
28
. La
7
Cross Creek Rd
Pogue Rd
Harper Rd
Scugog Line 9
HWY
Ramsey Rd
L
17
Kent St
4
Cricket Hollow Rd
16
Hood Dr
C Little Britain Rd
D
Seagrave ier oz Cr
4
Long Rd
Ranch Rd
Algonquin Rd
Fenelon Bdry
Dewdrop Rd
Little Britain Rd
Zion Rd
Cookston Rd
Taylor Corners
Cresswell Rd
Salem Rd
Clements Rd
Scugog Line 9
Medd Rd
Uxbridge
Prouse Rd
34
Sideroad 17 Sideroad 17
O’Beirn Rd
Wagg Rd
Hillsdale Dr
Aurora
47
8th Conc Rd
d
Re ach St
HWY
7th Conc Rd
Vandorf Rd
Kawartha Lakes
Royal Oak Rd
Scugog Line 12
Cragg Rd Canton Rd
8
6th Conc Rd
e hor
8
enderson Dr
Aurora Rd Lak es
Jesse Thomson Rd
Sideroad 17A
Ballantrae 15
Scugog Line 12
Ball Rd
Roseville Siloam
4th Conc Rd
Wesley Cors
Marsh Hill
23
St Johns Rd
7 12
B
Farmstead Rd
Little Britain Rd
6
Saintfield
Uxbridge
3nd Concession Rd
Bayview Ave
Wellington St
St John’s Rd
Farmstead Rd
Brock-Scugog Townline Rd
Blue Mountain Rd
6
Oakwood
7 7th Concession
Pinedale
Scugog Line 14
1
Feasby Rd
2nd Concession Rd
Woodbine Ave
14
26
Sideroad 17
Cherry St Faulkner Ave
Bogarttown
Shier Rd
1
St John’s Sideroad
Brock Rd
Vivian Rd
74
11
Davis Dr Bow St
Cedar Valley
Lloyd Sdrd
Mulock Dr
Sandford
Sandford Rd
18
Manilla
7A
Cambray
GrahamRd
13
Victoria Corners Rd
A
Quaker Rd
2nd Concession
Victoria Corners
9
Skyline Rd
9th Concession
6th Concession
Foster Dr Kennedy Rd
York-Durham Line
Newmarket
Weirs Rd
Goos
33 The Glen Rd 34
46
5th Concession 4th Concession
21
Camero 9
Rd
Peniel Rd
10th Concession
Islay
Rd
9
Valley
Black School Rd
11th Concession
Sunderland
6
Grasshill
Woodville
32 12
8th Concession
King St
13
8th Conc Rd
Davis Dr
Lake Ridge Rd
Bales Dr
P e ff e r l a w
West Franklin
Vallentyne
Zephyr Rd
13
6th Concession Rd
19
Weir’s Sideroad
ain M
Herald Rd
St
31
9th Concession
23
Linden
Cannington
Derryville
Vrommanton
St
2
5th Concession Rd
Green Lane
Udora
Leaskdale Rd
Ashworth Rd
9th Concess ion
Rd Franklin
38
iller’s Sideroad
Hollingers Rd
82
30
12
Woodville
King
2
Concession
10
5th Concession Rd
Mount Albert Rd
13
12
39
t
29
Hartley
Lorneville
14th
Brock
10th Concession
Fowlers Rd
4th Concession Rd
65
3rd Concession Rd
Farr Ave
13
Ravenshoe Rd
Brewster Rd
Zephyr
Meyers Rd
Doane Rd
Bridle Path
Cedarbrae
39
Centre St
51
Rd
Morning Sdrd
East Gwillimbury
Doane Rd
ng ndi La
d
77
Hornes Rd
86
45
51
48
Queensville Sideroad
Queensville
28 13th Concession
Wilfrid
Rd
Q u a r ter
Lorneville
46
Brock-Thorah Townline East
Concession
21
Old Shiloh Rd
Foot Dafoe St St
Holborn Rd
Orchard Ct
Sand Rd lla nd
2nd Concession Rd
Leslie St
2nd Concess ion
77
Smith Blvd
Leitch Rd
3
27
Concession Rd 3 Thorah
Concession Rd 2 Thorah
48
14th
Cedarbrook Dr Rd
Old Homestead Rd
Georgina
Brown Hill
Cole Rd
26 Morning Glory Rd
Dr
g Irvi n
81
Frog St
Boag Rd
Maple Hill
8
79
Prout Rd
Ravenshoe
25
18
Park Rd
Rd
24
Audubon Way
Miles Rd Blake Ave
ing ter Ca
Boag Rd
Holborn Rd
38
32
Rd
BrockThorah Twnl W
Thorah Beach Port
Point
Virginia
Latimer Rd
Dr
Holland Marsh
10th Line
d
Lasher La Valley Vie w
Ravenshoe Rd
Cryderma n’s Rd
West ury
Rd st re nc ve Ra
Carley Rd
The Queen sway
Line 12
1 Ho
23
Mile Lane
Pollock Rd
Glenwood Ave
River
Sutton
Maple Beach
Duclos Point
Rd
Island View
Stoney Batter Rd
22
Count ry Bethel Side Rd
COOK’S BAY
Briars 80 Pk
Black Hi
Rd 9 ing
Baldwin Rd
Line 13
Rd
e dge
St gh
21
Morton Ave
Rd
Base Line Rd
8A
Church St
Gilford Rd
ham Sdrd d
3
Lockie Sd Rd
Old Homestead Rd
Fennell
mp Ho us e
Jacksons Point
Park Rd
20
Rd H
Deer Park Rd
Boyers Sideroad
h ore
Dalton Rd
19
Island Grove
Metro Rd
Willow Beach
Rd
DeGrassi Point
The Que ensw ay
3
Line
20th Sideroad
18 4
Roches Point
Harbour St Pine Ave
Killarney Beach Rd
chill
Dr
e Lak 78
t tS ar Ew
39
Lake
S
d eR
Belle Aire Beach Rd
3rd
23
Nantyr Park
Civic Cen tre
20th Side road
Line
Line
Old
7th
6th
Cate r
Nantyr
nnisfil
John’s Rd
Barclay
L
City Living Comes to Life in Thomson Towns
French Manor End
Courtyard Townhome The Highland, ‘French Manor End’ 1,689 Sq.Ft. CHOOSE FROM TERRACE TOWNS OR COURTYARD TOWNS
English Manor 2
Choose spacious, family-friendly Townhome living with all the essentials of modern city life right at-hand. Thomson Towns is conveniently located in an established, inviting neighbourhood, with the TTC’s Scarborough Line at your doorstep. You’ll even have access to exceptional shopping and entertainment at Scarborough Town Centre, and to natural greenspace like Thomson Memorial Park and the trails of West Highland Creek.
Terrace Townhome The Taylor, ‘English Manor 2’ 2,106 Sq.Ft.
REGISTER AT MATTAMYHOMES.COM