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6 WAYS TO REDUCE YOUR MORTGAGE COSTS
HIRING A DESIGNER? READ THESE TIPS FIRST!
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MERGING HERITAGE BUILDINGS INTO NEW DESIGNS
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contents FEB 4 – 18, 2017 | VOLUME 25 ISSUE 03
24
ON THE COVER
Primont – a family’s proud history of home building
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property profile
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24 Primont Homes
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A family’s proud history of home building
28 Adi Developments
Grand Opening Feb. 24 – the West at Station West
neighbourhood profile
34 Regent Park
A new and improved neighbourhood
2 YPNEXTHOME.CA
14
16
Home Building
City of Brampton partners with Tarion Warranty Corp. to prevent illegal home building
Economy
Canadian economy to pick up this year: Conference Board
Personal Finance
Millennials collide with parents’ retirement goals
36
26 12 20 32
Legally Speaking
Closing costs: Where does all the money go? by Jayson Schwarz
28 28
18
Mortgages
Increase in mortgage fraud and ‘suspicious’ applications
advice
8
20 Homebuying
Why the urban-suburban debate rages on
22 Housing Market
Sales rebound after new mortgage rules slow activity
BILD Report
Merging heritage buildings into new designs
27
Designer Advice
Seven essential home trends for 2017
30 Design Secrets
Thinking of hiring a designer? Read this first!
36
12
Fundamentally Speaking
3 reasons Americans won’t be gobbling up our homes
26 Mortgage Advice
6 ways to reduce your mortgage costs by Alyssa Furtado
Home Decor
The ‘Love’ list from IDS 2017
buyers’ resource section
42 Hot Properties
New releases, openings and preview registrations
by Bryan Tuckey
by Wayne Karl
inspiration
inspiration
45 Mortgage Rates in every issue
4
Editor’s Note
6
Contributors
46 What’s Online 47
Advertiser Index FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 3
Editor’s Note
Tax time – embrace it year-round IT’S EARLY FEBRUARY, AND SO FAR the long, harsh winter
WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
that was forecast for Ontario has yet to materialize. If this continues to hold true, it will be yet another reason to celebrate this time of year, when we often associate it with blahs. After all, it’s the shortest month of the year, and March and spring soon follow. And while the deadline for 2016 Registered Retirement Savings Plan contributions isn’t until March 1, and April 30 for filing your 2016 income tax return, perhaps we need to start thinking of February in a different light altogether. Indeed, heeding the advice of experts, perhaps “tax time” should be a year-round task. From making regular RRSP contributions, to comparing RRSPs and tax-free savings accounts, to learning of the various credits available, tax planning for some is as necessary as the inevitable taxes themselves. Preparing as best you can throughout the year might help minimize the sting come deadline time – and help you learn to embrace the opportunities to save, not just fear what you have to pay.
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Regent park proves that you can reinvent the wheel with a city-backed redux that is raising it from ashes to a vibrant community of city streets, compact blocks, businesses, condos, apartments, community services and a blend of residents. Read the full story… ypnexthome.ca/regent-park
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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.
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Contributors
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
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
more online We have even more content online! Read more stories from our team of contributors at ypnexthome.ca, including stories by:
PRODUCTION CO-ORDINATOR
Sandra Hanak-Vujnovic GRAPHIC DESIGNERS
Miguel Cea Mike Terentiev
Published by
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.
#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
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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
DESIGNER ADVICE
YANIC SIMARD Yanic Simard is the principal designer of the awardwinning Toronto Interior Design Group (tidg.ca), and a regular guest expert on Citytv’s CityLine
6 YPNEXTHOME.CA
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
CONTEMPORARY DESIGN, DESTINED TO BE CLASSIC.
OVER 50 YEARS CRAFTING COMMUNITIES
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FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 7
Advice | BILD REPORT
Merging heritage buildings into new designs By Bryan Tuckey
MORE ADVICE ONLINE ypnexthome.ca/news/advice
ACROSS THE GTA, existing neighbourhoods are evolving and more heritage buildings are being integrated into new developments as we build to the Province’s intensification policies. Developers work to determine how a heritage structure will become a feature of a new development while working closely with municipal heritage staff to ensure preservation laws are followed. Municipalities can designate a building as a structure of heritage value provided that it meets one or more criteria as outlined in the Ontario Heritage Act. The redevelopment of a heritage property can take on many forms and the developer will need to consider different methods such as adaptive reuse or restoration in order to determine how best to integrate a structure. A successful project involves the collaboration and expertise of developers, consultants and contractors that are familiar with the complexities of merging historic buildings into new designs. Adaptive reuse is when a historic building is modified so that it can be used for a new purpose, such as an abandoned factory becoming the main floor of a new condo tower. Its features are either enhanced or changed to fit the new design. Building restoration is when a structure of historic value is restored so that it looks like it did when originally constructed.
An example of an adaptive reuse project is Hullmark Developments’ 60 Atlantic located in the heart of Liberty Village. Working with Quadrangle Architects, Hullmark transformed a 1898 warehouse into a new 43,000-sq.-ft. mixed-use commercial development. Retail space was added at street level and offices and studios were constructed on the upper floors. The building was restored and increased in size to include a glass addition linking all floors and a sunken outdoor courtyard to house a restaurant and patio area. Transforming the structure included removing elements such as walls, enhancing the heavy wooden beams, restoring ceilings, floor plates and windows, and stripping the original beige brick walls and adding grey bricks for contrast. The old Carrville Post Office and General Store in Vaughan is a great example of a restoration project. The Remington Group brought the 1845 structure back to life by restoring
its exterior to its original form. The building now serves as a gluten-free vegan bakery in the centre of the village of Carrville. The historic Waterworks site at 505 Richmond St. W. is another adaptive reuse project that is currently underway. It was formerly a City of Toronto’s Water Works facility and dates back to 1837. The massive building and garage are being transformed by MOD Developments into a new 13-storey residential and commercial development with 290 boutique condos, a rooftop garden, a YMCA and a European-style food hall at its centre where vendors and restaurants will offer the public foods from around the world. Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).
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Trending
Brampton partners with Tarion to prevent illegal home building THE CITY OF BRAMPTON, Ontario’s fourth largest municipality, joins 14 other Ontario municipalities as the newest participant in a pilot project to help protect new-home buyers from new home construction not covered under warranty. Applicants for a new home building permit in the city must now present either their Tarion Warranty Corp. registration number or a letter of confirmation to obtain a permit through Brampton Building Services. This pilot initiative supports the Ontario Government’s 2014 Budget commitment to fight the underground economy, including the practice of illegal building. The pilot was launched in 2015 as a partnership between Tarion, the Ontario Building Officials Association and the Ontario Home Builders’ Association. “We are happy to be partnering with Tarion on this important protection initiative for new-home buyers in the City of Brampton,” says Brampton Mayor Linda Jeffrey. “This builds on our great working relationship with Tarion after we partnered with them last year to launch their resources in Punjabi, allowing them to reach more homeowners in Brampton in their native language. We look forward to working with them again in 2017.” “Illegally built homes can result in financial loss and heartache for unsuspecting buyers that are taken advantage of,” said City of Brampton’s Chief Building Official Rick Conard. “This new strategy gives us additional tools to enforce obligations for warranty coverage prior to issuance of a permit.” Joe Vaccaro, CEO of the Ontario Home Builders’ Association, says, “Registered home builders in 10 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Ontario are excited to work with Tarion and municipalities such as Brampton to enhance warranty protection. This pilot helps educate new-home buyers of their warranty rights and the importance of working with a registered builder.” “We are so excited to have Brampton, Canada’s second fastest growing community, join our pilot program. As a city that has so much to offer families and newcomers, it is important to ensure that they have the confidence in the largest purchase they will make in their lives – a new home,” says Siloni Waraich, vice-president of Stakeholder Engagement at Tarion. Tracy MacCharles, Minister of Government and Consumer Services, says, “I would like to
commend everyone involved in this initiative for taking the lead to prevent illegal building in Ontario. Ensuring that all new homes are covered under warranty is a key element of our plan to improve protection for new home owners and continue building Ontario into a leading jurisdiction in consumer protection.” In Ontario, anyone acting as a vendor/builder of a new home must be registered with Tarion to automatically place the home under warranty. Homeowners who wish to be exempted from the Ontario New Home Warranties Plan Act must apply for a letter of confirmation from Tarion. For more information, visit tarion.com
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 FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 11
Advice | FUNDAMENTALLY SPEAKING
3 reasons Americans won’t be gobbling up Canadian homes By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
NOW THAT DONALD TRUMP has been sworn in as president of the United States, should we prepare for an onslaught of Americans moving to Canada and buying up our homes?
Don’t bank on it. The “possibility” was well publicized leading up to the election last November, with search terms such as “How to move to Canada” and “How to become a Canadian citizen” skyrocketing on Google. Now Royal LePage Canada and others are fanning the flames even more. On the morning of the Jan. 20 inauguration, the realty firm issued a press release titled U.S. Interest in Canadian Real Estate Surges Following U.S. Presidential Election. “American web traffic on royallepage.ca, has been highly correlated to recent U.S. political events. U.S.-originated sessions surged 329 per cent the day following the election and climbed 210.1 per cent year-over-year the week after Donald Trump’s victory,” the release said. We can’t blame Royal LePage for publicizing the web search trend. It’s the company’s job, after all, to sell homes. But it’s a bit of a stretch that Canadians should batten down the hatches and prepare for an onslaught of Americans offering wheelbarrows full of U.S. greenbacks for their Canadian homes. Here’s why: 12 YPNEXTHOME.CA
IMMIGRATION LAWS “We have express entry, and each province has numerous programs,” Robin Seligman, a Toronto-based a specialist in Canadian immigration law, told New Home Guide. “As well, we have options for work permits if the person has an employer in Canada, or under NAFTA if they are on the professional list.
filing requirements, eligibility for deductions and credits. “Owning a home for personal use, versus investing in a rental property, from a tax perspective, is easier to deal with. There are still issues such as changes to the principal residence exemption rules that came about last fall.”
“We also have the labour market impact stream, so employers in many cases must first try to hire a Canadian or permanent resident for the job,” she says. “However, there are many exemptions, including intra-company transfers and NAFTA exemptions.”
MORTGAGE REGULATIONS “Foreign buyers – including Americans – will have a more difficult time qualifying for a mortgage than Canadians,” says James Laird, cofounder of RateHub and president of CanWise brokerage. “The down payment requirement is higher, and there are additional challenges around proving income.”
TAX ISSUES “For U.S., citizens, they will need to deal with various U.S. tax issues as a result of their U.S. citizenship,” says George Dube, a partner at BDO Canada LLP, Waterloo, Ont. “And, they will need to abide by different tax regulations while considered a non-resident of Canada versus as a resident, such as withholding taxes,
Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl
Trending
Canadian economy to pick up this year: Conference Board FOLLOWING AN INCREASE of just 1.3
per cent last year, Canada’s economic growth is expected to accelerate to 1.9 per cent in 2017, according to The Conference Board of Canada’s Canadian Outlook: Winter 2017. “Last year, Canada’s economic growth was held back by weak business investment and a disappointing export performance,” says Matthew Stewart, associate director, National Forecast. “Overall, we anticipate a better performance this year, as the energy sector puts less of a drag on the economy, exports manage a slightly better performance and government stimulus ramps up.” Highlights » Canada’s economic growth is forecast to accelerate to 1.9 per cent in 2017. » Improved export activity and increased government spending will partly offset slowing consumer spending and declining residential construction. » Business investment outside the oil and gas sector is showing some signs of recovery. Although Canada’s trade sector will likely encounter numerous speed bumps over the next couple of years, exports are projected to increase by 1.8 per cent in 2017 and see even stronger growth 2018 thanks to strength in the U.S. economy and a weak Canadian dollar. However, export growth will be held back somewhat by capacity issues over the near term. With most manufacturing sectors operating at capacity, the lack of investment spending to expand capacity will continue to limit the ability of firms to increase production, and hence, exports. While it is too soon to estimate the impact that the new U.S. government will have on Canada’s trade sector, it is highly 14 YPNEXTHOME.CA
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probable that Canadian exporters will face greater protectionist measures under the Trump administration. Business spending outside of the oil and gas sector should finally see some growth this year. Nonresidential construction is poised for a gentle recovery, while machinery and equipment investment spending is also expected to turn a corner. However, this won’t be enough to offset further declines in oil and gas investment, which is projected to drop by 4.9 this year. Overall, business investment is projected to decline by 0.3 per cent this year, before increasing in 2018. While the household sector will remain a key driver of the economy in 2017, consumer spending growth is forecast to slow slightly amid mediocre employment gains and subdued wage growth. In addition, residential construction is poised to
fall as recent changes to mortgage rules take some of the steam out of the housing market. Housing starts will see to drop by roughly 185,600 units this year and rise slightly in 2018. One factor that is expected to give a boost to economic growth is the beginning of federal stimulus funds. The federal government is committed to increasing program spending and infrastructure funding levels, which will account for 0.3 percentage points of Canada’s economic growth in 2017. With economic growth remaining modest in Canada, the Bank of Canada is expected to hold off on any interest rate hikes until 2018, even then the rate of increase will be modest. As Canadian and U.S. interest rates widen, the loonie will lose ground against the U.S. dollar in the coming year, expected to average US$0.745.
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TREASUREHILL.COM FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 15
Trending
Déjà-boom
Millennials collide with retirement goals of their boomer parents THE BOOMERANG effect is in
full swing, as many Millennials continue to lean on the boomer generation for financial support, according to a recent TD survey. At a time when the older generation should be preparing for retirement, many instead are experiencing a “déjà-boom” effect, as children or grandchildren return to the family home or need financial assistance. “As a parent or grandparent, it’s natural to want to help our kids and grandkids who may be facing financial challenges such as finding full-time employment or paying their day-to-day expenses,” says Rowena Chan, senior vice-president, TD Wealth Financial Planning. “It’s important that this desire to help is balanced with the goals you have when it comes to retirement.” Overall, 62 per cent of the boomer generation feels the “déjà-boom” effect is preventing them from saving enough for retirement. The survey also reveals that the tradeoff between providing financial support and saving for retirement is placing boomers under a considerable amount of financial stress. More than half (58 per cent) of boomers report feeling financially stressed and say their retirement savings are being impacted by their extended financial support of boomerang kids; one in four Canadian boomers admit to supporting their adult children or grandchildren. “While the déjà-boom effect may be an unexpected event in retirement planning, it is important for preretirees to remember that it’s not too late to plan for the future and achieve their goals. A lot can be accomplished in the 10 to 15 years before retirement and planning ahead is a key step in making the journey as smooth as possible,” says Chan. TD offers these tips for boomer parents: 16 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Be ready for whatever life throws your way Understand that your retirement goals are still within reach. Meet with a financial planner and do a goals-based assessment to determine what your options might be for supporting your kids while keeping your retirement plans on track. Identify short, medium and long term goals, and make sure they align with your kids’ goals. Negotiate the return Discuss how everyone can contribute to the household budget and operations. For example, you may be able to cover the basics such as room and board, but other cell phone bills, car payments or financial support for recreational activities are additional costs that could be covered independently.
Prepare to “relaunch” Whether it’s your newly married daughter and her spouse and child, or your son who recently graduated and has moved back home, there are plenty of opportunities to educate family members on the importance of being fiscally responsible and working toward financial independence. Invite them to join in your financial conversations to discuss how to navigate their current circumstances and establish good financial habits. Decide when to release As you map out financial action plans, identify a date when you will no longer be financially committed to each other. As you approach this date, set up a series of mini-goals that will allow you to free up funds to divert toward your retirement savings while ensuring that your kids are meeting the savings targets they set in their own financial plan.
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TORONTO – WESTBEACH CONDOMINIUMS Stylish living on Queen Street between Coxwell and Woodbine in the heart of the highly sought-after Beaches neighbourhood. COMING TO QUEEN STREET BETWEEN COXWELL AVENUE & WOODBINE AVENUE Inspired Condominiums at The West Beaches Register at westbeachcondos.ca
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Renderings are artist’s concept. Prices and specifications subject to change without notice. Brokers protected. E.&O.E.
FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 17
Trending
Increase in mortgage fraud, “suspicious” applications THE LATEST DATA FROM credit reporting agency Equifax Canada suggests high-risk and suspected fraudulent mortgage activity is on the rise noting a 52 per cent increase in suspected fraudulent mortgage applications since 2013. According to data from Equifax’s enterprise fraud management solution, ‘Falsified Account Statements’ and ‘Falsified Documents’ were the most prominent application tags, as reported by investigators. The other was ‘Conflicting Information’. Of those applications flagged, 67 per cent were from Ontario while the next highest was 12 per cent from B.C. Equifax also conducted a survey to chart the attitudes and perceptions of Canadians with respect to the current housing market. One-infive Canadians, who do not have a mortgage, indicated they are nervous they will never own a home because of rising prices and want to buy a home but can’t because of the down payment. “We’re certainly seeing more mortgage applications being flagged as suspicious by our reporting institutions,” said Tara Zecevic, vice-president, Customer Insight at Equifax Canada. “While we cannot entirely attribute these increases to consumers overstating personal income or falsifying applications, we do want to remind people that there are serious consequences for making false or inaccurate claims on any loan or mortgage applications. Not only will it stretch your finances, it is in breach of your contractual
“There are serious consequences for making false or inaccurate claims on any loan or mortgage applications. Not only will it stretch your finances, it is in breach of your contractual obligations with the lender, and simply put, it’s against the law.” obligations with the lender, and simply put, it’s against the law.” Little white lies With respect to mortgage fraud, the results of the recent Equifax survey showed: 13% of Canadians indicated they felt it was okay to tell ‘a little white lie’ when applying for a mortgage to get the house they want. 16% said they believe mortgage fraud is a victimless crime 8% admitted to misrepresenting the facts on a credit or loan application The cost of buying a home When asked about housing prices, the results of the recent Equifax survey showed: 84% believe that the cost of home ownership is too high for first-home buyers today Nearly 30% of Canadians cite ‘more demand than supply’ (29 per cent) and ‘foreign buyers’ (27 per cent), as the main factors driving up home prices
BC residents (compared to other provinces) were significantly more likely to cite foreign buyers as the top reason for home prices being driven up (75% versus 42% for all other provinces, respectively) Examining trust When asked about who they trust in the home-buying experience, the survey showed:
B
44% of Canadians trust real estate agents the least during the homebuying experience About 25% also distrust homeowners (27 per cent) and home inspectors (26 per cent) 20% distrust mortgage brokers, another 16 per cent don’t trust their bank and equally 16 per cent have little trust in their insurance agent 9% said they trust all professionals involved in the home-buying experience
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.
Victoria Highlands 416 924 0110
$400’s
VISIT US TODAY! 905.674.6166
.
Village Green
The Estates At Riverbend
Townhomes from the $500’s
Detached bungalows & 2 storey homes
416 924 0110
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KLEINBURG
Detached homes from the mid $800’s
from the mid
PETERBOROUGH - Coming Soon
.
Main Street Seaton Townhomes from the $400’s
Beacon Hill.
ETOBICOKE
.
.
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Evolution
Condominium Villas from the high $600’s to over $1 million | 416 646 9898
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Condominiums from the low $300’s
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Townhomes from the mid $500’s
Learn more @ AVER-MUL-A-AD-NHC-JAN19-2.indd 1
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Bungalows from the $700’s
Averton.ca
| 905 378 2500
Follow us on Prices and specifications are subject to change without notice. E. & O.E. Rendering’s are artist’s concept.
2017-01-19 2:36 PM
Trending
Why the urban/suburban debate rages on By Lydia McNutt
THE URBAN SUBURBAN debate rages on in the search for the perfect home – particularly in the face of Toronto’s rising real estate prices. Indeed, 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. The skyrocketing price of homes may be old news in Toronto, but it’s now spreading into the suburbs. Oakville, for instance, saw the average home price rise 15.4 per cent to $894,696 in the third quarter of 2016, according to Royal LePage’s House Price Survey. The story’s the same in Oshawa and Whitby, which saw the average home price increase 26 and 21.5 per cent, respectively. Meanwhile, in Richmond Hill, prices were up 25.7 per cent. How’s that for “urban sprawl?” A chat some time ago with Empire’s co-founder and executive vice-president of Industry Relations, Paul Golini Jr., enlightened me to an old saying that rings true today, more than ever: drive till you qualify. But with the suburbs gaining speed in price appreciation, how far is too far? The choice between location, lifestyle and housing type all play into the decision of “where?” “Is it important to be able to walk to work? On the other hand, would you mind commuting if it means you’ll have a detached home with a backyard? Or, are you looking for low maintenance and on-site amenities? Homebuyers need to determine which factor is most important to them,” Golini told New Home Guide. 20 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Driving decisions Location is one of the strongest drivers when it comes to finding the right home. A lot of it has to do with the three Ts: traffic, time and tolls – Toronto Mayor John Tory’s plans to bring road tolls to the Gardiner Expressway and Don Valley Parkway. They’re all common concerns among home hunters who are seeking more affordable housing outside of the city limits. Golini pointed out, those who commute will happily continue to do so if it means they’ll get more home for their money. “In our industry there’s a saying, ‘you drive till you qualify,’ which is based on the size of the mortgage you can afford as you move further away from the GTA.” “There is a segment that embraces the work/live/play/shop lifestyle and opts to live in the downtown core. They often abandon the car until the weekend, because they can take transit, the streetcar or walk to work,” Golini added. That being said, lifestyle is increasingly becoming a significant factor in the home search – particularly in the condo market,
Golini said. “We see that people are spending less time at home and more time at work or outside of their home, whether it’s for entertainment or going to the gym. These purchasers are okay with a smaller form of housing where little maintenance is required.”
Density – yay or nay? Aside from commute times and price, Golini highlighted density as a key factor in the home hunt. “Some people want to be close to their neighbours and living in a condo gives them the chance to meet in the gym, at the pool or even in the elevator.” On the flip side, lowrise communities are less dense and offer more privacy. “If someone is determined to fulfill their dream of the white picket fence, they may be driven further outside the core. Alternatively, they can go the route of a townhome, which is a great way to enter the housing market. “Once you determine which of these factors is the most important to you, as well as what you can afford, this can then act as a filter to direct your home-buying decision.” FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 21
Trending
Home sales rebound after new mortgage rules slow activity HOME SALES ARE RISING – albeit slowly – following a dip in activity when the new financing rules took effect in October, according to the latest market statistics from the Canadian Real Estate Association (CREA). December 2016 saw home sales increase 2.2 per cent monthover-month. The rebound recovered less than half of the drop in activity from October to November, when it posted the biggest monthly retreat in more than four years after Ottawa tightened mortgage regulations. Activity was up month-overmonth in about 60 per cent of all local markets, led by Calgary and Edmonton, where sales rallied following large declines in November. Sales activity was down five per cent in December from a year ago, when it reached the highest level ever for the month. The number of homes changing hands in 2016 was up by 6.3 per cent annually, reflecting strong sales activity in the first half of the year that has softened since. “Sales set a new annual record last year,” CREA president Cliff Iverson said in a press release. “However, tightened mortgage regulations are expected to contribute to lower sales activity this year, though the extent to which they will weigh on housing markets across Canada will vary.” “Home sales are unlikely to benefit the Canadian economy as much in 2017 as they did in 2016,” added Gregory Klump, CREA’s chief economist. “New regulations mean that in order to qualify for a mortgage, homebuyers will either have to save longer for a bigger down payment or purchase a lower priced home. In urban centres where the latter are in short supply, that’s likely to translate into fewer sales.” The number of newly listed homes 22 YPNEXTHOME.CA
fell three per cent in December 2016 from November. New listings were down in about 60 per cent of all local markets, with declines in B.C.’s Lower Mainland, Calgary and the Greater Toronto Area. With sales up and new listings down, the national sales-tonew listings ratio rose to 63.5 per cent in December compared to 60.3 per cent in November. A sales-to-new listings ratio between 40 and 60 per cent is generally consistent with balanced housing market conditions, with readings below and above this range indicating buyers’ and sellers’ markets. The ratio was above 60 per cent in more than half of all local housing markets in December, the vast majority of which are located in British Columbia, in and around the GTA and across Southwestern Ontario. The number of months of inventory is another important measure of the balance between housing supply and demand. It represents how long it would take to completely liquidate current inventories at the current rate of sales activity. There were 4.6 months of inventory on a national basis at the end of December 2016 – down from 4.8 months in November. The tight balance between housing supply and demand in Ontario’s Greater Golden Horseshoe region is without precedent. The region includes the GTA, HamiltonBurlington, Oakville-Milton, Guelph, Kitchener-Waterloo, Cambridge, Brantford, the Niagara Region, Barrie and nearby cottage country. The number of months of inventory in December ranged between one and two months in many of these housing markets, and stood below one month in the Durham Region, Orangeville,
Oakville-Milton, Kitchener-Waterloo, Brantford and Cambridge. Price gains remained strongest for two-storey single-family homes and townhouse/row units (up 16.1 and 15.4 per cent year-over-year respectively. Single-storey singlefamily homes followed, at 13.3 per cent year-over-year, and apartment units up 12 per cent year-over-year. While benchmark home prices were up from year-ago levels in nine of 11 housing markets tracked by the MLS HPI, trends continued to vary widely by location. In the Fraser Valley and Greater Vancouver, prices continued to recede from their peaks reached in August 2016 but remained above year-ago levels (up 27 and 17.8 per cent year-over-year, respectively). Meanwhile, benchmark prices climbed to new heights in Victoria and elsewhere on Vancouver Island, and in the GTA. By comparison, home prices were down 3.7 per cent year-over-year in Calgary and edged lower by 1.6 per cent year-over-year in Saskatoon, continuing their retreat from peaks reached in 2015. The national average price for homes sold in December 2016 was $470,661, up 3.5 per cent from a year ago, marking the smallest year-overyear increase in nearly two years. The national average price continues to be skewed upward by Greater Vancouver and the GTA. The average price is drops to $352,513 if Greater Vancouver and GTA sales are excluded from calculations.
MORE TRENDING ONLINE ypnexthome.ca/news
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Property Profile | PRIMONT HOMES
cover story
Primont A family’s proud history of fine home building “BUILD EVERY HOME as if it’s your very own.” That’s
the simple, unwavering philosophy adhered to by the family that guides Primont Homes. Primont President Joe Montesano, his sister Lore and her husband Charles Attardo are the principals who carry on a home building legacy launched generations ago. It wouldn’t be a stretch to say that home building is in their DNA. It certainly reveals 24 YPNEXTHOME.CA
itself in the company’s fastidious attention to detail in design, craftsmanship and customer care. The Montesano family originally made a name for itself as builders of homes in the hills of Europe. That tradition continued once the Montesanos had settled in Canada, more than 50 years ago, when Joe’s and Lore’s father, John, a bricklayer, founded Primont Homes.
ABOVE
Joe Montesano, Maria Montesano, John Montesano, Lore Attardo.
As you’d expect in a family-run business, every aspect of home building is taken personally. Quality matters. Relationships with customers are always warm and considerate. You’ll soon notice how every imaginable detail counts. And how every member of the team proudly considers themselves accountable to every customer’s satisfaction. This is crucial when choosing a home, as the product and the process are such personal, emotional entities and experiences. The company consistently acts on the understanding that your home is your retreat from the outside world, the centre of your family life and the place where your most cherished memories will often be inspired. So, when you buy a Primont Home, you can be assured that the entire building process will benefit from the care and attention the Montesano family would put into building their own homes. In fact, many happy customers even report that many of the features and finishes that come standard on a Primont home would be considered additional upgrades with other builders. Clearly, when dedicated people take such time and effort to know and understand you, they’ll do as much as they can to ensure your happiness. But building homes is more than creating places for families to live. On a wider scale, it’s building an extended family. A community. Of course, when communities are thoughtfully planned, and created around the dreams and the real needs of residents, they flourish by attracting a healthy range of services and businesses. Primont is recognized for more than 50
years crafting communities. In recent years, the company has established and built several dynamic and outstanding new communities of more than 3,000 homes in the GTA, including: NewTowns at Mount Pleasant, townhomes close to the greenbelt, the GO station and Brampton Transit; Centretown, freehold townhomes, a short walk from Brampton’s popular Mount Pleasant Village; and Coronation, stunning 30-ft. singlefamily brick homes in the heart of Vaughan. The Montesano family is also eager to introduce upcoming communities that will soon be under construction, such as: Seasons in Caledon, a family community on tree-lined streets, close to nature preserves and modern amenities; 16-Mile Creek, a new community of towns and detached homes in Milton, close to conservation parks; and Uptowns on Bayview, upscale urban townhomes on a scenic, tranquil crescent; Jade Garden, modern townhomes in Cornell, Markham; SXSW urban towns in South Vaughan. When building and creating are so deeply ingrained in one’s nature, it should come as no surprise to learn that Primont is enthusiastically active in the support of charities and community organizations. You’ll find their concern has touched such organizations as SickKids, The Starlight Children’s Foundation, Habitat for Humanity, Yellow Brick House, Mackenzie Health, The Terry Fix Foundation and Markham Stouffville Hospital. It might be said that dealing at any time with the devoted people at Primont, everything feels like home. For more information, visit primonthomes.com FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 25
Advice | MORTGAGE ADVICE
6 ways to reduce your mortgage costs By Alyssa Furtado
MORE ADVICE ONLINE ypnexthome.ca/news/advice
THE NEW YEAR is a good time for a
financial health check. And since for most homeowners’ financial wellbeing is directly linked to the cost of your mortgage, re-evaluating your mortgage is key. Before getting a mortgage, look at how much of your income goes towards your payments. When you review these costs, you should consider options that can lower your payments and reduce the amount of interest you have to pay. Here are three ways to access lower interest rates: 1. Get and keep a high credit score Maintaining a higher credit score makes you a more attractive debtor. This will enable you to negotiate a lower interest rate. Most financial institutions consider credit scores in the 800 to 900 range to be favourable. A long history of good credit will give you access to lower rates. Get your free credit score before meeting with an advisor. 2. Use a broker A licensed mortgage broker can give you access to the best mortgage rate possible. A broker can access a pool of both traditional and non-traditional lenders from which they can then offer you the lowest rates possible. Although brokers are paid by the lender, they are also acting for you and are not tied to specific lenders. 3. Consider a variable-rate mortgage The interest on a variable-rate mortgage is often lower than a fixedrate one. This enables you to pay less 26 YPNEXTHOME.CA
interest with your monthly payment. Choosing a variable rate comes with the risk of paying a higher rate at some point. That’s because the rate will change with the prime lending rate set by your lender. There are also ways to reduce the amount of interest you pay over the lifetime of your mortgage. Here are three strategies you can use: 4. Increase your down payment You can put down as little as five per cent to buy a home under $500,000, but when you put down less than 20 per cent you have to get mortgage insurance. A larger down payment also decreases the monthly cost of the principal and interest of your mortgage loan, as well as the total interest over the life of the mortgage. 5. Increase payment frequency When arranging your mortgage, ask your broker to structure it so you can make accelerated biweekly payments. If you do so, the monthly payment is divided by two and the frequency of payments increases
to 26 times a year from 12 times annually. Therefore, you’re paying the equivalent of 13 monthly payments a year and accelerating your payments, you’ll increase the amount that goes towards the principal. 6. Make lump-sum payments Ensure your mortgage allows you to make lump-sum payments. Making an annual lump-sum payment can help you pay off your mortgage years earlier and reduce your interest costs. THE BOTTOM LINE Reducing your mortgage rate and increasing how much you pay towards your principal will help you reduce your overall mortgage costs. It’ll also make your finances healthier because your monthly expenses will shrink and you’ll spend less to pay off your mortgage. Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards, deposit rates, and insurance with the goal to empower Canadians to search smarter and save money.
West_NH&C_GO_Jan2017_HR.pdf
1
2017-01-19
9:27 AM
GRAND OPENING
Join us Saturday, February 4, 2017 Experience the Diamond Standard of Living
Luxurious Boutique Condominiums at Aldershot GO Station
Studios from the $190’s 1 Bedroom Suites from the $200’s 2 Bedroom Suites from the $400’s Introducing The West, a bold new direction in luxury living at the highly successful Stationwest community. Located in the vibrant Aldershot Village, these glam condominiums are just minutes from downtown Burlington’s shops, restaurants and waterfront.
Presentation Centre:
N
PRESENTATION CENTRE
ALDERSHOT GO STATION
101 Masonry Court
Plains Rd. Lake Ontario
QEW
Waterdown Rd.
403
101 Masonry Court, Burlington Hours: Monday - Thursday: 2 pm - 7 pm Friday: By Appointment Saturday, Sunday & Holidays: 12 noon - 5 pm T. 905-681-7743
AdiDevelopments.com Follow us for the most recent updates
PMA Brethour Real Estate Corp., Brokerage. Illustration is artist’s concept. Prices and specifications subject to change without notice. E. & O.E. Brokers Protected.
Property Profile | ADI DEVELOPMENT GROUP
Grand Opening at The West Condominiums at Stationwest A RARE STANDOUT in the GTA, Stationwest is directly connected to Burlington’s full-service Aldershot GO Station, allowing residents a seamless commute to Toronto’s Union Station in less than an hour. Adi Development Group’s major 13-acre master-planned community will consist of 233 traditional, backto-back and urban townhomes with pedestrian-friendly shared courtyards, as well as a one-acre public park. Adding to this project, The West – Condominiums at Stationwest is the newest phase, offering a bold collection of ultra-modern luxury boutique midrise condos. There has been incredible demand for the first two phases at 28 YPNEXTHOME.CA
Stationwest. After launching in May, Stationwest sold all 93 townhomes in Phase One in a single weekend. Interest continues to grow with the newest phase, The West, which is currently 65 per cent sold after previewing to VIP registrants in the fall. The official Grand Opening for The West is slated for Saturday, Feb. 4, 2017 starting at noon, and the presentation centre will be open to the public as of that date. “This will be the absolute last opportunity to own in a transitconnected, lowrise community in Burlington, and it won’t last,” says Tariq Adi, CEO of Adi Development Group. “Buyers snapped up the units so quickly in the community.
Everybody loves the project. There’s nothing else like it in the GTA.” Unlike most other midrise projects built with wood, The West is built with concrete construction for durability and comfort. Offering a variety of layouts ranging from studios at 340 sq. ft. starting from the $190’s to two-bedroom plus den at 865 sq. ft. starting in the $400’s, the two buildings will be connected with a shared amenity spaces designed by award-winning interior designers U31. Some of the outstanding features include a show-stopping lobby with warm wood paneling and stone features and a welcoming concierge to attend to your needs, a cosy party
room with fireplace and outdoor terrace, a convenient fitness centre, and the west building will have a rooftop terrace so you can enjoy warm summer nights with friends. Each suite was thoughtfully designed using Adi’s IntelliSpace philosophy, which maximizes living space and embraces natural light through a modern style aesthetic. The layouts ensure that each room is bright and open with natural light spilling in, encouraging flow from one room to the next creating an immediate sense of space as soon as you walk in the front door. “Stationwest offers a rare balance of comfort and convenience. It’s an ideal family neighbourhood that’s beautifully nestled in Burlington’s scenic green enclave, while still cleverly situated on transit,” says Saud Adi, COO of Adi Development Group. “High-quality, luxe features and finishes are key elements that make each home feel comfortable without sacrificing design or space.”
Removed from the loud and bustling downtown core of Toronto but connected by a quick train ride, Stationwest offers residents room to grow in a mature residential enclave close to nature. From the Village of Waterdown’s quaint downtown, to the shopping areas along Aldershot’s Plains Road, Stationwest offers urban accessibility while being immersed in celebrated parkland. The world famous Royal Botanical Gardens, the waterfront trails at LaSalle Park, and the Lasalle Park Marina for the avid boaters and sailors are just three of the surrounding natural sites that can be enjoyed year-round. The West Grand Opening is Saturday, Feb. 4, 2017. Register now at adidevelopments.com. For more information, call 905.681.7743 or email stationwest@adidevelopments. com. Presentation centre hours are Monday to Thursday 2 to 7 p.m., Saturday and Sunday noon to 5 p.m. and Friday by appointment.
Location
Burlington Builder
Adi Development Group Development
The West Home Type
Luxury boutique midrise condos Sales Centre
101 Masonry Crt., open Monday to Thursday 2 to 7 p.m., Saturday and Sunday noon to 5 p.m. and Friday by appointment Contact
adidevelopments.com 905.681.7743 stationwest@adidevelopments.com
FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 29
Inspiration | DESIGN SECRETS
BEFORE YOU HIRE A DESIGNER… By Jane Lockhart
THE PROCESS OF designing a home can be daunting. But, choosing the right designer will help relieve some of the pressure and stress. Their expertise, knowledge and experience allows them to do the heavy lifting, take care of small and they have the foresight to anticipate any problems and take care of the details. However, before you even begin looking for the person who will help transform your home, here are some important things to consider.
Budget Be realistic. Know your budget from the beginning so that you and your 30 YPNEXTHOME.CA
designer can frame your vision within the scope of your finances. Do your research. Take a good look at what furniture, fabric, paint and renovations truly cost and plan for those costs. As designers, it is our job to be up front about costs to temper your expectations. It’s very common for clients to have a $10,000 budget with a $1-million vision. Scope of work Determining the scope of your project will set the framework for the process. Once you know the range of work, you can find the appropriate designer. If you require a whole home renovation, find
the designer who has the experience required to finish your project. The scope can also help indicate whether your project requires an architect, engineer, designer or decorator. If you’re doing a full house renovation, or just redesigning one room, your designer can help make these determinations based on your budget. Show and tell Not everyone speaks fluent designer. This is where photos of finished rooms come in handy! Go through magazines, houzz.com and Pinterest to look for inspiration. You’d be amazed at the amount of
ideas a simple image can spark. When trying to gather ideas, I often tell my clients to view the portfolio of your designer’s past projects. Sometimes you don’t know what you want until you see it! Time The magic of television has led many to believe anything can be completed within an hour or less. Would you really want to inhabit a home that looks like it took an hour or less to build? That’s why it’s important to understand design professionals can do great things with what they are given. There are many moving parts that help your dream design turn into a reality that include contractors, painters, electricians and many more who all need time to do their job properly. Customized pieces of furniture alone take at least eight to 10 weeks to complete, a full house renovation can take up to a year. Do your research before hand, your future designer and contractors will confirm the time frame once the scope of work is established. Decisions It’s important you feel comfortable with your designer. Work with someone you can trust them to create your vision for your home. While it’s not essential to having a personal connection, it may be beneficial knowing that you’ll be working with each other for several months. Who to hire It is essential that you get the full value for your money so seek out a designer who can project and deliver your vision. Experienced professional designers can work with any style. In the end, designers are here to service you. Remember to choose wisely because your designer is an extension of yourself and will help you maximize your investment.
Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confidential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com
FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 31
Advice | LEGALLY SPEAKING
Closing costs: Where does the money go? By Jayson Schwarz
MORE ADVICE ONLINE ypnexthome.ca/news/advice
AT THE CLOSING of a new residential
real estate transaction there are usually three groups who get paid: the builder, various governments, and the lawyer. Each group involves the payment on fairly specific items, and the builder and your lawyer will collect from you for the government remittance. Generally speaking, your lawyer collects all of the necessary money from your mortgage company and from you. You will need certified cheques, bank drafts or cash, because of your lawyer’s trust account requirements. Here’s how the builder gets paid, and where all the money your lawyer wants, needs to go. The builder will get paid the purchase price of the property less the deposit, plus certain other things. You may even get a credit for certain items, called adjustments. The adjustments will be reflected on a document called the Statement of Adjustments which contains a multitude of details, all related to your original agreement. The Statement of Adjustments will include the HST payable (the rebate will be broken out), the original purchase price on the property, real estate taxes, hydro expense, common expenses and maintenance fees (as applicable), connection costs, levies and charges, to name but a few. This document is incredibly important. Review 32 YPNEXTHOME.CA
it carefully and get everything explained to you, so you understand all the charges that you are required to pay. It is at this point that you find out the final number you are paying to the builder for your new home. The Ontario government and the City of Toronto will get paid for Land Transfer Tax, unless you are entitled to the rebate or exemption, and sales tax on goods (if applicable). There are many other items, but they usually show up on your lawyer’s disbursement account or trust reconciliation, as do the many of the municipal compliance request charges. Okay, now what about that lawyer? First of all, you are going to pay the legal fee, whatever the amount the two of you agreed to. You did of course have a pre-agreed fee, didn’t you? Then there is a list of disbursements. Disbursements are those monies expended by your
lawyer on your behalf necessary to properly search and close the transaction. Be careful – it is here that someone may try to take advantage of you by charging large fax, mail and photocopy fees. Have your lawyer justify all expenditures that don’t make sense. Disbursements include registration charges, title insurance, couriers, searches of all kinds, and many other items necessary to close your transaction. Remember, a large part of your closing costs are based on what you negotiate at the beginning of your purchase, and are outlines in your Agreement of Purchase and Sale. Please remember, only a lawyer can provide legal service – that is the law! 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.
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Neighbourhood Profile
Regent Park A new and improved neighbourhood By Joanne Keenan
REGENT PARK — tucked between Parliament, Gerrard, River and Shuter streets — proves that you can reinvent the wheel with a city-backed redux that is raising it from ashes to a vibrant community of city streets, compact blocks, businesses, condos, apartments, community services and a blend of residents across socio-economic and cultural spectrums.
The vibe Nothing says “new and improved” more than Regent Park. It’s fresh, clean and vibrant, with a phenomenal sense of community as redevelopment puts in place cross streets, amenities, housing and businesses for an engaging way of life. Still in its growing stages, former residents and families are eager to return to the area, while newcomers long to ride the wave of growth that has begun. Meet the neighbours Residents come from a variety of cultural backgrounds and nationalities, which inspire artistic, cultural and educational activities. More than 60 different first languages are spoken, making Regent Park one of Toronto’s most culturally diverse areas. Predominantly a low-income area, former residents are returning as homeowners and renters through various funding initiatives. New buyers are attracted to urban lofts in renovated buildings that offer cosmopolitan living at entrylevel prices.
MORE PHOTOS ONLINE ypnexthome.ca/regent-park
In the area New to Regent Park are retail and public spaces for all. The Daniels Spectrum, Regent Park Aquatic Centre and Regent Park Athletic Grounds offer lifestyle and recreation programs. The health centre provides youth programs, immigrant assistance and social support. A new cultural centre will be home to local organizations for educational, arts and community programs. There are also two public primary schools and The Parliament Library. Planes, trains & automobiles Streetcars travel from Regent Park, providing quick access to the YongeUniversity-Spadina subway line. The Parliament streetcar connects to Castle Frank station on the
Bloor-Danforth subway line. The Don Valley Parkway runs just east of the community, linking to the Gardiner Expressway and Lake Shore Boulevard, making this community very accessible — it’s also very pedestrian- and bike-friendly. Real estate Affordability is key for those starting out, new to the country or those of limited means, and that is the hallmark of the rebuilding of Regent Park. Throughout the metamorphosis, the focus has been on returning former residents to healthier homes geared to their incomes. Funding initiatives have made it possible for former renters to step forward to become homeowners.
Joanne Keenan is a freelance writer based in Hamilton
34 YPNEXTHOME.CA
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Reids Hertiage Homes has been featured as “Model HOME Of The Month” as seen in the New Home Guide model home calendar
9:36 AM
Model Home Photo Compliments of Reids Heritage Homes | www.ReidsHeritageHomes.com
The Residences of Cobble Beach - Homes with Glorious Views of Georgian Bay. Set amidst acres of land that majestically overlook the water, the homes have been designed to maximize water and golf views. This inviting community is located only 10 min north of Owen Sound and 2 hours from Toronto’s Pearson International Airport. Home shown is the Harriston Model with 1,672 sq ft of living space.
1
FEBRUARY 2017
16-1256 CB YP NextHome2017Calendar.pdf
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
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 By: Primont Homes City: Caledon Housing type: Final release of 36-, 42- and 45-ft. detached homes primonthomes.com
VALLEYLANDS PARK RIDGE
SADDLE 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: Fieldgate Homes City: Brampton Housing type: 38- and 41-ft. singles starting from the $800’s fieldgatehomes.com
CORNELL ROUGE
By: Greenpark and Starlane Home Corp. City: Milton Housing type: Towns, semis, and 40- and 46-ft. singles saddleridgemilton.ca
By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the high $800’s cornellrouge.com
VILLAGE GREEN
PARK RIDGE
By: Averton City: Mount Albert Housing type: Family-size townhomes with up to three bedrooms from the high $500’s averton.ca
MILL STREET VILLAGE By: Ballymore Homes and Briarwood Homes City: Tottenham Housing type: 50-ft. singles starting from the high $790’s millstreethomes.com
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
By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca
preview registration PINE VALLEY By: Gold Park Homes City: Vaughan Housing type: Detached homes goldparkhomes.com
…continued on page 44 42 YPNEXTHOME.CA
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buy, rent or sell 17-0011 M CITY CONDOGUIDE_COVER_JAN21_FINAL.pdf
1
2017-01-12
5:31 PM
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GTA EDITION
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A family’s proud history of fine home building.
> M I S S I S S A U G A’ S F U T U R E S T A R T S H E R E . mcit ycondos.com
INSIDE THIS ISSUE INSIDE THIS ISSUE
INSIDE THIS ISSUE
2017 IS STILL A GOOD WHY THE URBAN/SUBURBAN DEBATE 7 LUXE LOOKS THAT YEAR TO BUY A HOME CONTINUES FOR HOME HUNTERS WON’T BREAK THE BANK NOTE THAT THIS CALLOUT IS AND THAT THE BAR IS ALWAYS HIT SHIFT F7 AND DISTRIBUTE ALWAYS YPNH GREY IN COLOUR WHITE ON BOTTOM OF PAGE SPACING AT 0.2074 INCHES
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MERGING HERITAGE BUILDINGS INTO NEW DESIGNS
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大多倫多版 / GREATER TORONTO AREA EDITION
-O PULL UT SEC AL TI CI
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北約克公寓最尊貴之作 —
spotlight on condos FEATURING
N
DO M
M
Seasons at Concord Park Place
IT IE S
CO
C
U INIU M COMM
N
Y
CM
MY
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CMY
K
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
SUMMERLYN VILLAGE | GREAT GULF
01-Cover-NHG.indd 1 2017 Model Home Cal NHG_Cover.indd 1
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INSIDE THIS ISSUE
BABY BOOMERS: WHERE ARE WE ALL GOING TO LIVE?
2017 MODEL HOME CALENDAR AN EXCLUSIVE COLLECTION OF THE MOST BEAUTIFUL NEW HOMES
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WHY 2017 IS STILL A GOOD YEAR TO BUY A HOME
2017-01-11 10:58 AM
本期內容
金雞獻瑞新年活動
2017 MODEL SUITE CALENDAR AN EXCLUSIVE COLLECTION OF THE MOST BEAUTIFUL CONDOS
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星巴克效應 尋找下一個社區𥚃𥚃𥚃𥚃𥚃𥚃𥚃𥚃𥚃𥚃𥚃𥚃
2017雞年風水
LATEST LISTINGS
Find your next home! Find more properties at ypnexthome.ca
…continued from page 42
AFFINITY CONDOMINIUMS
JACKSON SQUARE By: Gold Park Homes City: Maple Housing type: Townhomes goldparkhomes.com
SUMMIT CITY CENTRE By: Summitview Homes City: Mississauga Housing type: Urban townhomes summitviewhomes.com
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
CITYLUX TOWNS
TWELVE ON THE RAVINE
By: Fieldgate Homes City: Thornhill Housing type: Register for a new release of urban townhomes in Thornhill Woods fieldgatehomes.com
By: Geranium Homes City: Scarborough Housing type: 12 two-storey homes on 43-ft. lots that back onto Highland Creek ravine geraniumhomes.com
GEORGIAN SANDS
BOXGROVE VILLAGE
By: Elm developments City: Wasaga Beach Housing type: towns and singles starting from the high $230’s georgiansands.com
By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.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
44 YPNEXTHOME.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
DOWNSVIEW PARK By: Stafford Homes City: Toronto Housing type: Three- or four-storey townhomes staffordhomes.ca
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 2.64 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
2.64 2.94
2.64 2.84
3.19 2.94
3.29 2.99
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 2.7
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
2.89 2.95
3.39 3.05
3.74 3.15
2.39
2.49
2.59
2.69
OTHER FINANCIAL INSTITUTIONS Alterna Savings
2.6
Comtech Fire C.U.
2.6
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
5.05
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 Jan 16, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700
FEBRUARY 4 - 18, 2017 | NEW HOME GUIDE 45
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e
projects & communities MAP LISTINGS IN THIS ISSUE PAGE
BUILDER
SITE
CONTACT INFO
continued from page 48 PROPERTY TYPE
PRICE RANGE
PIN
MAP FINDER
C
19
Averton Homes
The Estates at Riverbend
Averton.ca
17
Fieldgate Homes
Whitby Meadows
fieldgatehomes.com
D
T
31
28N
Mattamy Homes
Queen’s Common
mattamyhomes.com
D
T
91
27O
Mattamy Homes
Seaton Taunton
mattamyhomes.com
D
T
44
24N
Treasure Hill Homes
Shift
treasurehill.com
T
70
25N
Treasure Hill Homes
Urban Town Living
treasurehill.com
from $390,000
70
25N
Andrin Homes
Hillsborough Holland Landing
andrinhomes.com
D
from $820,000
51
18E
19
Averton Homes
Victoria Highlands
416-924-0110
D
from $850,000
69
23E
19
Averton Homes
Village Green
416-924-0110
from $590,000
69
23E
11
Great Gulf
Hillsborough Holland Landing
greatgulf.com/hillsborough
51
18E
Great Gulf
Sharon Village
905-478-7362
from $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
86
19E
Treasure Hill Homes
Acacia Estates
treasurehill.com
56
16J
Treasure Hill Homes
The Estates of King Township
treasurehill.com
87
16I
27
Adi Development Group
The West Condominiums at Stationwest
905-681-7743
19
Averton Homes
Averton Square
905-378-2500
D
Fieldgate Homes
City Towns Valley Lands in Brampton
fieldgatehomes.com
D
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
D
Greenpark Homes
Saddle Ridge
saddleridgemilton.com
D
S
Greenpark Homes
Upper Oaks
upperoaks.ca
D
S
Mattamy Homes
Hawthorne South Village
mattamyhomes.com
D
Mattamy Homes
Mount Pleasant North
mattamyhomes.com
Mattamy Homes
Mount Pleasant Village
mattamyhomes.com
Mattamy Homes
River Mill
mattamyhomes.com
Mattamy Homes
The Preserve
mattamyhomes.com
Mattamy Homes
Topper Woods
mattamyhomes.com
T
Mattamy Homes
Wildflowers
mattamyhomes.com
T
Primont Homes
16 Mile Creek
primonthomes.com
Primont Homes
Newtowns at Mount Pleasant
primonthomes.com
Primont Homes
Seasons in Caledon
primonthomes.com
Starlane Home Corporation
Lotus Pointe Caledon - Phase 2
starlanehomes.com
D
Starlane Home Corporation
Mountainview Heights
starlanehomes.com
D
S
T
Starlane Home Corporation
Saddle Ridge
saddleridgemilton.com
D
S
T
from $650,000
Starlane Home Corporation
Upper Oaks
upperoaks.ca
D
S
Treasure Hill Homes
Tiara Estate Collection
treasurehill.com
T
from $1090,000
North
T D T D T D
S T
from $2360,000
D
West
17
23
BC
23
C
S
S
from $190,000
T
from $500,000
T
from $400,000
26
9P
T
from $724,000
23
8M
T
from $800,000
26
9P
T
from $200,000
30
8V
from $537,000
24
8P
59
6S
60
7O
93
8O
29
7V
T
92
5U
T
25
7O
27
8M
23
8M
78
11L
T
from $650,000
T T
D
C
T
S
T
from $715,000
T
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 D
9
Andrin Homes
Glenway in Newmarket Phase II
GlenwayLiving.com
19
Averton Homes
Averton Common
416-646-9898
19
Averton Homes
Corporate
Averton.ca
T
19
Averton Homes
Evolution
416-747-9691
Fieldgate Homes
90 Niagara
416-981-0036
from $720,000
68
18F
from $690,000
80
13L
T
from $320,000
75
13R
D
T
from $346,000
35
16S
T
from $620,000
14
19G
from $700,000
12
22J
53
16L
3
12K
36
16R
from $720,000
68
18F
from $500,000
1
16Q
C
Fieldgate Homes
Aurora Trails
fieldgatehomes.com
D
17
Fieldgate Homes
BlueSky Stouffville
fieldgatehomes.com
D
17
Fieldgate Homes
City Lux Towns
fieldgatehomes.com
D
17
Fieldgate Homes
IMPRESSIONS
905-893-9500
D
Fieldgate Homes
Zigg
416-545-0223
D
Great Gulf
Corporate
416-449-1340
Lakeview Homes
Glenway in Newmarket Phase II
GlenwayLiving.com
Madison Homes
Briar Hill
madisonhomes.ca
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
from $1800,000
53
16L
Madison Homes
Zigg
ziggcondo.com
D
from $380,000
10
18J
21
Marlin Spring
Canvas Condominiums
canvascondos.ca
from $200,000
97
19R
21
Marlin Spring
Tazzo Townes
tazzotownes.com
T
94
21L
21
Marlin Spring
The Mack
liveatthemack.com
T
79
15K
21
Marlin Spring
Westbeach Condominiums
westbeachcondos.ca
96
18R
Mattamy Homes
Alderidge
mattamyhomes.com
82
13S
Mattamy Homes
Canopy at Downsview Park
mattamyhomes.com
37
15P
Mattamy Homes
Cornell
mattamyhomes.com
D
T
17
22M
Mattamy Homes
Corporate
mattamyhomes.com
D
T
Mattamy Homes
Downsview Park
mattamyhomes.com
37
15P
Mattamy Homes
Kleinburg Summit
mattamyhomes.com
D
T
84
13K
Mattamy Homes
Richmond Green
mattamyhomes.com
D
T
41
18K
Mattamy Homes
Thomson Towns
mattamyhomes.com
T
95
20P
Mattamy Homes
Upper Summerside
mattamyhomes.com
42
19R
Mattamy Homes
Vita on the Lake
mattamyhomes.com
39
14S
Primont Homes
Corporate
primont.com
Primont Homes
JadeGarden at Cornell
primonthomes.com
55
22M
Primont Homes
Renaissance Townes
905-417-3363
T
5
15K
Primont Homes
Uptowns on Bayview
primonthomes.com
T
9
18K
Rosehaven Homes
Corporate
rosehavenhomes.com
T
Treasure Hill Homes
Aurora Views on Wellington
treasurehill.com
T
from $1460,000
57
19H
Treasure Hill Homes
Time
treasurehill.com
T
from $600,000
72
18H
Treasure Hill Homes
Victory Heights
treasurehill.com
T
6
18L
19
Averton Homes
Beacon Hill Bowmanville
905-674-6166
19
Averton Homes
Main Street Seaton
289-545-0022
70
25N
9
5
IFC & 1
7
13
15
T S
T
from $1200,000
T T
D T S
T C
from $720,000 C
D
S
S
from $1230,000
C
T C
from $350,000
T S
T from $750,000
East
continues on page 47
D
from $400,000 from $390,000
Property Type D Detached S Semi-Detached T Townhome
Baxter
Line
Line
Line
10th
11th
8th
A
rte si Disse tte an In d
6th
5th
Line
Line
Line
Line
Line
Scotch
W eston Rd
Mo rn
Am eric an Dr
Ma St in
Rd
d
Simco
Ave Bayvi w
d
Clay
SC a
tC an al
Conc
7th 6th
4th
7th
Conc
Rd
Conc
Line
Line
Rd
Rd
EHS
EHS
EHS
Rd
EHS
Line
Line
5th
2nd
3rd
Line
of
Centre
3rd
3rd
Browns Line
Ave
Jarvis St
35
Queen St W King St W Front St W
Pape Ave
Bro adv iew
e
Parliament St
r vic e Rd
Moore Ave
Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St
University Ave
e
Laird Dr
Avenue Rd
36
Mt Pleasant Rd
St Clair Ave W
Toronto
Christie St
Edgewood Rd
B
1 Spadina Rd
Moffat Rd
Pos
Davenport Rd Dupont St
Lansdowne Ave
Carey St Rd
York Mills Rd
Lawrence Ave W
Va ug ha nR d
Ossington Ave
ld d
Allen Rd OakwoodAve
e Lin
xley
Shep
Eastern
io Commiss
Rd
Park
ore esh Lak
Rd
Rd
Se
River
Will
Glencairn Ave
Rogers Rd
Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk
Meddaugh Rd
Cum
Willowdale Ave
Drewry Ave
n ow thd Sou
Middletown Rd
Tho
Senlac Rd
Wilson Hts Blvd
37
Caledonia Rd
d nR sto We
Rd
19
r Gr D ple Ma
Middletown Rd
New W estmins ter Dr
r
k Cr Dr Blac
39
Centre St
71
Dr or ds Win yal Ro
Dr Ford
Rd
Dufferin St Peter Rupert Ave
40
Sen tinel D r
Lake Shore Blvd W
Park Lawn Rd
Judson St
e rmer WindeAve
The Queensway
Runnymede Rd
Norseman St
Summeridg e Dr
North York
Downsview
Old
6 85Carrville Rd
Keele St
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King-Vaughan Rd
Kirby Rd
Langstaff Rd
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6th Line
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25th Sideroad
15th Sideroad
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Whitfield
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19
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8th Line
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10th Line
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Gibbs Rd
Aked Rd
Clemens Rd
Allin Rd
Mosport Rd
Best Rd
opper Pa G r as s h rk R d
Concession 2
Murphy Rd
Longsault Rd
K
17
Cooney Rd
M Clarington Concession Rd 7
Jewel Rd Vickers Rd
Gamsby Rd
Lawrence Rd
Pollard Rd
35 115
Bell-wood Dr
Arthur St
Golf Course Rd
Moffat Rd
Lockhart Rd
King St Stephenson Rd
Mill St
Riley Rd
V
Squair Rd
East Region
U
Kirby
Ochonski Rd
Bennett Rd
Waverly Rd
T
West Region North Region
42
Darlington Clarke Townline
Providence Rd
Lambs Rd
Bowmanville P
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Nixon Rd
O
Concession Rd 3
Main St
Queen St E
oners St
4
Leskard Rd
N
Bragg Rd
Mearns St
Baseline Rd
Cole Rd
Mearns Ave
Concession St 57
Bethesda Rd
Green Rd
14
Acres Rd
Middle St
Liberty Rd
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
ed Rd
Concession 6 Concession 5
L
Cedar Park Rd
Sew ells
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Wilson Rd
Mahoods Rd Cartwright East Quarter Line
Lettner Rd
r
H Corneil Rd
A Ray Rd
St ou ffv ille
La ke Dr
du stri al Pkwy
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M James Rd
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Salem Maple Grove Rd
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2
Hancock Rd
401
Rundle Rd
Trulls Rd
34 Bloor St
HWY
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Taunton Rd
Nash Rd
G
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Hampton
Solina Rd
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Mitchell’s Corners Tooley Rd
59
Solina
Washington Rd
Olive Ave
Vannest Rd
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P
East Ave Port Union Rd
ll i p
Enniskillen 3
Old Scugog Rd
Ormiston Rd Langmaid Rd
58 King St
Bond St Gibb St
8855
62 hi
Union School Rd Wotten Rd
Enfield Rd
Townline Rd
35
22 rth St Went wo
60
Hoyer Rd
Nestleton Rd
Cartwright West Quarter Line
Sandy Rd
Graham Rd Russell Rd
Wilson Rd
Burns St
54 Adelaide Ave
Park Rd
Stevenson Rd
Halls Rd
Pickering Beach Rd
Shoal Pt Rd
Henry St
Hopkins St
Dundas St
34
Grandview St N
Harmony Rd
53
Valentia Rd
Ogemah Rd
Washburn Island Rd
Rd
Harmony Rd N
Ritson Rd
Stevenson Rd N 52
Grandview St N
Simcoe St
Thickson Rd
Anderson St Garden St
Cochrane St
Victoria St
Oshawa
28 Ma nn in g Rd 36
4
Concession Rd 10
Concession Rd 7
Conlin Rd
2
Mountjoy Rd
57
Janetville
Fallis Rd
Cadmus
Devitts Rd
Concession Rd 9
33
Nestleton
McKee Rd
57
Byers Rd
3
71
Whitby Brock St
3143
Ritson Rd
Thornton Rd
Columbus
Malcolm Rd
Edgerton Rd
Bradburn Rd
Burketon
Boundary Rd
Winchester Rd
16
Mariposa/Ops Bdry
Bush Rd
Eldon Rd
Beacroft Rd
Mississaugas Trail
He ad
Stevenson Rd N
Duffs Rd Cedarbrook Tr
Country La
12
Taylor’s Rd
White Rock Rd
Fingerboard Rd
Sim coe St
Diamond Sideroad
Bryant Sdrd
Country La McQuay Blvd
Halls Rd
Salem Rd
Westney Rd
Harwood Ave
Squire Beach Rd
Sandy Beach Rd
eE Av
44
Cochrane St
Coronation Rd
Halls Rd N
Ravenscroft Rd
24
Columbus Rd
3
91
41
Ashburn Rd
Kinsale Rd
Salem Rd
Westney Rd
Ajax
26
Eden Rd
Eldon Rd
Barry’s Rd
Station Rd
57
Church St
19
Raglan Rd
Raglan
7 12
Howden Rd
Lyndebrook Rd
Taunton Rd
Shirley Rd Coates Rd
Myrtle
Brooklin
Rossland Rd 31
Scugog Line 3
t Rd
Heron Rd
Sideline 2
Brawley Rd
Greenwood
2
Bayly St
Myrtle Rd
Scugog 2
Scugog Line 2
Ashburn
5th Concession Rd
HWY
Rd
Dagmar Rd
Sideline 4
31
oin
Concession 14
Proutt Rd
Reach St
Grey Sideroad
Rd st Ma High P
Lakeridge Rd
Balsam Rd
Greenwood Rd
Riverside Dr
Church St
Liverpool Rd
ton gs Kin
Sheppard Ave
Lawrence Ave E
West Hill
Valley Farm Rd
Finch Ave
38
Brock Rd
Whites Rd
Dixie Rd
Rosebank Rd
27
70
Pine Pt Rd
Ma Brown’s Rd
Chalk Lake Rd
Mount Zion Paddock Rd
Sideline 22
Sideline 22
Concession Rd 3 Altona Rd
Guildwoo d P
44
Balsam Sideline 5
Sideline 24
7
rd pa ep Sh
Meadowvale Rd
nR sto ng Ki
Beare Rd
Scarborough 42 St Clair Ave E Rd rth nfo Da
Milner Ave
Military
Morningside Ave
Dr
Bellamy Rd
Midland Ave
Daw es R d
Coxwell Ave
Woodbine Ave
Greenwood Ave Donlands Ave Jones Ave
Victoria Park Ave
Eglinton Ave E
Old Finch Ave Rd
4th Conc Rd
Plug Hat Rd
il Tra
Brim o rt on
Scarborough Golf Club Rd
Brimley Rd
Pharmacy Ave
ath le P Brid
Birchmount Rd
95Ellesmere Rd
Sewells Rd
401
Don Vally Pkwy
Don Mills Rd
Neilso n R d
Nugget Ave
E Ave evin McL
Whitevale
Sideline 12
Pickering
407
Westney Rd
Sideline 14
Sideline 22
Sideline 24
Steeles Ave E
Sideline 14
Sideline 16
Sideline 20
Sideline 26
North Rd
Sideline 28
71
Box Grove
Tapscott Rd
Middlefield Rd
Leslie St
tingwood Dr H un Sheppard Ave
O’Co n
7
11th Line
ark Dr
Denison St
404
Mortimer Ave
Sideline 34
14th Ave
71
Markham Rd
n Rd Alde
ppard Ave
rD no
7th Concession Rd
8th Concession Rd
Whitevale Rd
Agincourt
erlea Blvd Ov
wy
7
Passmore Ave
Eglinton Ave W
ns P k
17 16 Locust Hill 55
HWY
McNicoll Ave
st Rd
u se
Markham-Pickering Townline
Co
9th Line
Unionville
Esna P
mmer Ave
n Ave
d
Main St
Woodbine Ave
Leslie St 12
ornhill
lowdale
17th Ave
94
Markham 73
07
John St
Major Mackenzie Dr
25
al
16th Ave
Reesor Rd
6
69
Glen Major
Claremont
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
919th Ave
29
41 49
Main St
nd Isla
Scugog Line 4
F
Mabels Rd
L AKE SCUGOG
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 Brock Rd
Yonge St
Sunset Beach Rd
Secord Rd
Demara Rd
Utica
40
Whitchurch-stouffville
Harper Rd
Scugog Line 6
Ried Rd
Cottage Rd
Rainbow Ridge Rd
Pogue Rd
Whitfield Rd
Epsom
E
28
7
Scugog Line 8
Ward Rd
. La ier oz Cr
7
Cross Creek Rd
7 Mile Chandler Dr Island Rd
8
21
47
34
Sideroad 18
R
Goodwood Rd
HWY
Till Sdrd
Uxbridge
Prouse Rd
Old Simcoe Rd
Brookdale Rd
47
Hood Dr
Clements Rd
Scugog Line 9
HWY
D
Ramsey Rd
L
17
Kent St
4
Cricket Hollow Rd
16
Cookston Rd
C
Ranch Rd
Seagrave
Scugog Line 12
Scugog Line 9
Medd Rd
Wagg Rd
Hillsdale Dr
Sideroad 18A
O’Beirn Rd
8th Conc Rd
d
47
7th Conc Rd
Vandorf Rd
Aurora
Ridge Rd
Jesse Thomson Rd
8
Re ach St
HWY
6th Conc Rd
Aurora Rd Lak es
Sideroad 18A
Ballantrae 15
e hor
enderson Dr
Wesley Cors
8
7 12
Cragg Rd Canton Rd
Roseville Siloam
St Johns Rd
4th Conc Rd
57
St John’s Rd
Ball Rd 23
3nd Concession Rd
72
14
Scugog Line 12
Uxbridge
2nd Concession Rd
Bayview Ave
Wellington St
Woodbine Ave
26
Saintfield Marsh Hill
4
Long Rd
Little Britain Rd
Little Britain Rd
Zion Rd
Algonquin Rd
Spadina Sdrd
Cherry St Faulkner Ave
Bogarttown
Royal Oak Rd
Fenelon Bdry
Dewdrop Rd
Cresswell Rd
Salem Rd
Little Britain Rd
6
B
Taylor Corners
Farmstead Rd
Kawartha Lakes
Brock-Scugog Townline Rd
Blue Mountain Rd
Marsh Hill Rd
1
St John’s Sideroad
Bow St
Farmstead Rd
Pinedale
Scugog Line 14
1
Davis Dr
Cedar Valley
Vivian Rd
74
Blackwater Rd
Mulock Dr
7 7th Concession
6
Oakwood
7A
Cambray
GrahamRd
13
Victoria Corners Rd
A
18
Manilla
2nd Concession
Victoria Corners
9
Skyline Rd
9th Concession
6th Concession
Foster Dr
Feasby Rd
York-Durham Line
Newmarket
11
Wetheral Sdrd
Davis Dr
Sandford
Sideroad 17
68
Weirs Rd
4th Concession
13
Kennedy Rd
Sandford Rd
Sunderland
Sideroad 17
West Franklin
King St
Sideroad 17A
19
Bales Dr
8th Concession
Goos
Quaker Rd
5th Concession
Shier Rd
Herald Rd
St
Vallentyne
8th Conc Rd
ain M
13
6th Concession Rd
Green Lane
ller’s Sideroad
23
Zephyr Rd
Leaskdale Rd
Ashworth Rd
69
9th Concess ion
Rd Franklin
38
Udora
Peniel Rd
46
10th Concession
21
Camero 9
Rd
Black School Rd
11th Concession
Islay
Rd
9
Valley
33 The Glen Rd 34
12
9th Concession
Vrommanton
6
Grasshill
Woodville
32
2
5th Concession Rd
Mount Albert Rd
13
12
Hollingers Rd
82
Linden
Cannington
10
5th Concession Rd
65
39
t
St
31
Derryville 12
Woodville
King
2
Concession
30
Brock
10th Concession
Fowlers Rd
4th Concession Rd
Farr Ave
13
Brewster Rd
Zephyr
Meyers Rd
Doane Rd
Bridle Path
Centre St
51
Rd
Morning Sdrd
77
Hornes Rd
East Gwillimbury
Doane Rd
ng ndi La
d
d
Queensville Sideroad
Queensville
86
45
51
48
Ravenshoe Rd
39
3rd Concession Rd
1 Ho am Sdrd lla nd d
Cedarbrae
Foot Dafoe St St
Holborn Rd
Orchard Ct
Rd
Old Shiloh Rd
Leitch Rd
Cole Rd
3
2nd Concess ion
77
Sand Rd
mp Ho us e
Smith Blvd
Brown Hill
Boag Rd
Maple Hill
8
Wilfrid
21
Hartley
Lorneville
14th
29
Sideroad 17
Ravenshoe
Cedarbrook Dr Rd
Old Homestead Rd
28 13th Concession
Brock Rd
Boag Rd
Rd
Morning Glory Rd
Georgina Prout Rd
38
Holborn Rd
ing ter Ca
2nd Concession Rd
Holland Marsh Leslie St
10th Line
32
27
Rd
Q u a r ter
Lorneville
46
Brock-Thorah Townline East
Concession
81
Frog St
Miles Rd Blake Ave
Ravenshoe Rd
Rd
Carley Rd
The Queen sway
West ury
st re nc ve Ra
79
Audubon Way
Dr
Glenwood Ave
Line 12
18
Latimer Rd
26
Concession Rd 3 Thorah
Concession Rd 2 Thorah
48
14th
Lake Ridge Rd
Pollock Rd
25
Dr
g Irvi n
Weir’s Sideroad
Morton Ave
COOK’S BAY
Line 13
Cryderma n’s Rd
Fennell
24 Park Rd
Baldwin Rd
Virginia
Lloyd Sdrd
23
Mile Lane nt ry Bethel Side Rd
Church St
Gilford Rd
Rd
BrockThorah Twnl W
Thorah Beach Port
Point
P e ff e r l a w
22 Cou
Old Homestead Rd
River
Sutton
Stoney Batter Rd
21
Black Hi
Rd 9 ing
Lockie Sd Rd
Island View
Maple Beach
Duclos Point
Rd
Virginia Blvd
Base Line Rd
8A
Briars 80 Pk
St gh
20
Jacksons Point
3
Rd
e dge
Park Rd
3
Deer Park Rd
Boyers Sideroad
Rd
Lasher La Valley Vie w
4
DeGrassi Point
19
20th Sideroad
18
Line
h ore
Dalton Rd
chill
The Que ensw ay
Harbour St Pine Ave
Killarney Beach Rd
Roches Point
Island Grove
Metro Rd
Willow Beach
Rd
t tS ar Ew
39
3rd
e Lak 78
H
Belle Aire Beach Rd
Lake
Dr
S
d eR
Mapl
nisfil
23
Nantyr Park
Civic Cen tre
20th Side road
Line
Line
Old
7th
6th
Cate r
Nantyr
John’s Rd
Barclay
L
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