MAR 4 - 18, 2017 VOLUME 25, ISSUE 5, FREE
GTA EDITION
You’re Never Far From A Mattamy Home INSIDE THIS ISSUE
DESIGNING KIDS’ ROOMS: CHALLENGES & CHOICES
GTA BUILDERS SHINE AMONG NORTH AMERICA’S BEST
SHOULD YOU USE THE HOME BUYERS’ PLAN?
Introducing the CLEANEST MESS in the house.
“If you ever wanted to bug my little brother, all you’d have to do was hang up your jacket on his hook. I don’t know why it bugged him so much, but I loved it. I’m sure he did, too.”
As Canada’s largest homebuilder, Mattamy Homes are built for your real life. With thoughtful design features like Stop & Drop areas, that make coming home fast and convenient, a Mattamy home is a home you’ll value for a lifetime. Find your next home across the GTA at mattamyhomes.com
2017-02-14 12:55 PM
contents MAR 4 – 18, 2017 | VOLUME 25 ISSUE 5
24
ON THE COVER
Mattamy Homes – bringing more choice to Markham
+ online NEIGHBOURHOOD
HOME SEARCH
MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING
MAPS
2 YPNEXTHOME.CA
neighbourhood profile
14
32
The Daniels Corporation
FirstHome Sunny Meadow worth the wait
28 Geranium Homes
WITH
DYNAMIC
property profile
LOOK FOR THE CIRCLE
Celebrating 40 years with a brand refresh
Yonge & Eglinton
Life in the heart of midtown Toronto
trending
12
Housing Market
Regional supply and demand issues skew national picture
30
14 28
8
16
Money Matters
RRSPs – not just for retirement anymore by Gail Vaz-Oxlade
26 Mortgage Advice Should you use the Home Buyers’ Plan by Alyssa Furtado
30 News & Views
More people, more competition, more common sense, please by Lydia McNutt
32
18
International Markets
Vancouver, Toronto rank among world’s priciest cities
advice
8
22 CMHC
Problematic housing conditions persist: CMHC
inspiration
34 Design Secrets
Preparing for ever-changing designs of your kids’ rooms
10
34
Legally Speaking
Why you need a proper real estate lawyer by Jayson Schwarz
buyers’ resource section
42 Hot Properties
New releases, openings and preview registrations
BILD Report
45 Mortgage Rates
by Bryan Tuckey
in every issue
GTA builders rank among the best in North America
Fundamentally Speaking
More first-time buyer assistance, please by Wayne Karl
4
Editor’s Note
6
Contributors
46 What’s Online 47
Advertiser Index MARCH 4 - 18, 2017 | NEW HOME GUIDE 3
Editor’s Note
Premium hike to have minor impact
WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl
CANADIANS – OR AT LEAST THOSE in markets where affordability is increasingly becoming an issue, may have bemoaned Canada Mortgage and Housing Corp.’s (CMHC) recent announcement it was increasing its homeowner mortgage insurance premiums. But unlike the latest changes to mortgage regulations, announced last year, this premium hike is expected to have a minor impact. Indeed, CMHC says the higher premiums, which take effect March 17, will result in an increase of just $5 to the monthly mortgage payment of the average CMHCinsured homebuyer. “The increase in premiums for high ratio mortgages will have a minor effect on the average Canadian,” James Laird, co-founder of RateHub and president of CanWise Financial, told New Home Guide. “Premiums will be increased for all of those Canadians with less than 20 per cent down, but these premiums are added on to the mortgage and paid off over the life of the mortgage, so the cash required on closing does not change. This change specifically will not impact the borrowing habits for the majority of high ratio clients.”
N
ONLINE
SEE MORE PHOTOS ONLINE
The heart of mid-town, Yonge and Eglinton is a vibrant community with a little bit of everything, like a financial centre, nightlife, businesses, entertainment, parks, dining – plus lots of upscale shopping. Read the full story… ypnexthome.ca/Yonge-and-Eg
+ get social
Interact with us on social media: ypnexthome
4 YPNEXTHOME.CA
MAD
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New Release! New Designs!
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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.
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Contributors
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)
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
DESIGNER ADVICE
Dionne Fraser dionne.fraser@ypnexthome.ca
JANE LOCKHART
DISTRIBUTION & SALES CO-ORDINATOR
Jane lockhart is Founder and Principal Designer of Jane Lockhart Interior Design in Toronto. She can be reached at 416.762.2493. janelockhart.com
NATIONAL CIRCULATION MANAGER
Terry Basset John Jenkins
PRODUCTION MANAGER
Helen Pearce PRODUCTION CO-ORDINATOR
MONEY MATTERS
Sandra Hanak-Vujnovic
GAIL VAZ-OXLADE
GRAPHIC DESIGNERS
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
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
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
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
6 YPNEXTHOME.CA
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MARCH 4 - 18, 2017 | NEW HOME GUIDE 7
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Advice | BILD REPORT
Quality that rivals North America’s best By Bryan Tuckey
MORE ADVICE ONLINE ypnexthome.ca/news/advice
SOME OF THE BEST building and development industry professionals in North America are based in the GTA. BILD member companies often receive national and international recognition for their work. Earlier this year a number of GTA-based builders, developers, marketers and designers were honoured at the National Sales and Marketing Awards in the United States. Known as the Nationals, this annual competition recognizes the best in the industry across North America. Our members have a strong presence at the Nationals every year, and this year was no exception with 44 Silver and 10 Gold awards received in a range of building, design and marketing categories. In the architectural design of an attached home category our members did especially well, winning a gold and two silver awards. The silvers went to Minto Communities for two projects in Toronto. Longbranch, a stacked townhome development in Etobicoke, was one and the other was Bside, a condo project at Front and Bathurst Streets. Brookfield Residential won the gold award for a four-storey contemporary condominium project that it is developing in the U.S. Tridel and Empire Communities each won a pair of Gold Awards. Tridel received awards in the Best Print Ad Campaign and Best Brochure Lifestyle Magazine categories for its new condo development in Toronto called SQ. Empire won the Best Social Media Campaign and Best Computer Generated Sales Tool awards for 8 YPNEXTHOME.CA
Avalon, its project in Caledonia that consists of townhomes and singlefamily detached homes. Toronto-based marketing agency Montana Steele received the most awards among BILD members, winning 19 Silver Awards and two Gold Awards. Its work on Rodeo Drive, a condominium development in North York, resulted in a gold award for Best Print Ad and six silvers in other categories. Local builder Losani Homes was honoured with the Building Industry Community Spirit award for its efforts with the Losani Family Foundation. The prestigious award recognizes a builder-supported non-profit program or charity based on its originality, concept and execution. Based out of Stoney Creek,
Losani Homes has been building communities in the Hamilton area for more than 40 years and in 2013 it formed the Losani Family Foundation to support its philanthropic efforts. Since then the Foundation has supported a number of charities both locally and abroad. Most recently it helped build a classroom and a medical facility in Ecuador that provides service to 12,000 people from surrounding villages.
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. He can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.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 MARCH 4 - 18, 2017 | NEW HOME GUIDE 9
Advice | FUNDAMENTALLY SPEAKING
More first-time buyer assistance, please By Wayne Karl
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WHEN WE HAVE double-digit price
growth in some markets, supply shortages reaching “crisis” levels and people having little choice but to drive further into the suburbs for housing options other than condos… who could blame firsttime homebuyers if they feel a little discouraged? In the GTA, the Building Industry and Land Development Association (BILD) has been speaking out on the issue for months, if not years. President and CEO Bryan Tuckey recently said the supply shortage has reached crisis levels. And more recently, mayors and other municipal leaders – notably former mayor of Mississauga Hazel McCallion – throughout in the Greater Golden Horseshoe Area have joined the chorus. Now another important voice is speaking out. “If first-time buyers, young families, newcomers to our province, are going to have any chance at homeownership, provincial and municipal governments must focus on increasing housing supply,” says Tim Hudak, CEO of the Ontario Real Estate Association. “Government-imposed barriers are restricting builders from bringing more housing supply online. To make homeownership more affordable, the province should work with municipalities to loosen building restrictions, speed up approvals to allow developers to build ‘missing middle’ housing types like townhomes, duplexes and
stacked townhomes.” Prime Minister Justin Trudeau has promised to address homeownership affordability and other issues through the federal government’s Home Buyers’ Plan (HBP) and other tools. This has yet to happen – though we may see some measures in the National Housing Strategy, coming later this year. So, until then, first-time buyers can only save as best they can, and take advantage of whatever programs are available, besides the HBP (page 26). Thankfully, lenders are increasingly doing their part. With the new B.C. Home Owner Mortgage and Equity Partnership (B.C. HOME Partnership), created to help first-time homebuyers in the province with repayable assistance loans, BMO recently announced its own cash incentive on a national scale. It provides up to $1,000 to eligible firsttime buyers. “The introduction of this offer is timely, considering the program the B.C. government has put into effect to assist with the costs associated with home ownership,” says Michael Bonner, senior vice-president and regional head, B.C. & Yukon Division, BMO Financial Group. “We are committed
to helping our customers meet their home ownership dreams. While the provincial government’s offer is exclusive to B.C., our hope is to support all Canadians who come to us for this important milestone and investment.” Builders are also doing what they can. The Daniels Corporation, for one (page 14), has its FirstHome program, which allows first-time buyers to purchase with only five per cent down. A unique Gradual Deposit Payment Plan allows buyers to pay only $3,000 with the Agreement of Purchase and Sale, another $3,000 within 10 days of the purchase, and then $1,000 every month until they reach five per cent of the purchase price on final closing. With some sources saying the chances of the Ontario government, for example, changing its land use policy is “zero,” we need a lot more of this creativity from all parties. 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
10 YPNEXTHOME.CA
AND
COMING LATE SPRING 2017 REGISTER NOW HILLSBOROUGH’S VILLAGE NORTH – THE IDEAL MASTER-PLANNED COMMUNITY. INSPIRED BY NATURE... BUILT FOR YOU IN HOLLAND LANDING.
Go shopping at Upper Canada Mall and big box stores. Plus, easy access to the new highway 404 extension and the East Gwillimbury GO Station with direct connections to downtown Toronto. SINGLE FAMILY HOMES ON 38’, 40’ AND 45’ LOTS SALES OFFICE LOCATION: 19337 HWY 11, EAST GWILLIMBURY
Register today andrinhomes.com Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept. MARCH 4 - 18, 2017 | NEW HOME GUIDE 11
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2017-02-15 9:41 AM
Trending
Supply and demand imbalance skews Canadian market By Wayne Karl
SUPPLY AND DEMAND ISSUES – and
the resulting price increases – in Vancouver and Toronto continue to skew the national real estate picture. Thankfully, however, housing market conditions in the rest of the country are not fallowing suit. “The shortage of homes available for sale has become more severe in some cities, particularly in and around Toronto and in parts of BC,” Gregory Klump, chief economist of the Canadian Real Estate Association (CREA), said in releasing the association’s statistics for January 2017. “Unless sales activity drops dramatically, the outlook for home prices remains strong in places that face a continuing supply shortage.” National home sales were down slightly in January on a monthover-month basis, falling 1.3 per cent – putting them at the second lowest monthly level since the fall of 2015 and only slightly above levels recorded last November when recently tightened mortgage regulations came into effect. Sales activity was down from the previous month in about half of all local markets, led by the GTA, Greater Vancouver and Montreal. “Canadian homebuyers face some challenges this year, including new mortgage rules that make it harder to qualify for a mortgage and regulatory changes that will push up mortgage financing costs,” says CREA President Cliff Iverson. “It will take some time to gauge the extent to which these challenges will weigh on homebuyers in different housing markets across Canada.” The imbalance between limited housing supply and robust demand in Ontario’s Greater Golden Horseshoe region (the GTA, HamiltonBurlington, Oakville-Milton, Guelph, Kitchener-Waterloo, Cambridge, 12 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
Brantford, the Niagara Region, Barrie and nearby cottage country) is without precedent, CREA says. The number of months of inventory in January 2017 stood at or below one month in the GTA, Hamilton-Burlington, Oakville-Milton, Kitchener-Waterloo, Cambridge, Brantford and Guelph. While the conditions in Toronto and Vancouver are good for those who already own homes, they’re anything but for prospective homebuyers. “Supply and demand for singlefamily homes will return to a more sustainable balance over time, reflecting fewer transactions as homebuyers are priced out of the market, and price stability rather than price gains,” Klump told YPNextHome. “To qualify for home purchase financing under recently tightened mortgage regulations, first-time homebuyers have been forced to look further from the urban centres, where land prices are less expensive, or shop for a lower priced home.” Prices for two-storey singlefamily homes posted the strongest
year-over-year gains (16.8 per cent), followed closely by townhouse/ row units (15.8 per cent), one-storey single-family homes (14.4%) and condo units (13.3 per cent). While benchmark home prices were up from year-ago levels in 10 of 13 housing markets tracked by the MLS HPI, price trends continued to vary widely by location. Benchmark prices continue to climb in Victoria and elsewhere on Vancouver Island together with Greater Toronto, Oakville-Milton and Guelph. Year-over-year price gains in these five markets ranged from about 18 to 26 per cent in January. The national average price for homes sold in January 2017 was $470,253, up just 0.2 per cent from where it stood one year earlier. The national average price continues to be pulled upward by sales in Vancouver and Toronto, two of Canada’s tightest, most active and expensive housing markets. The average price is reduced by almost $120,000 to $351,998 if Vancouver and Toronto sales are excluded from calculations.
OUR 25TH ANNIVERSARY COMMUNITIES:
Is there anything better than being 25?
CURRENT COMMUNITIES AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the low $300’s NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Two Model Homes From $1.1 million PLATINUM COLLECTION RANDALL RESIDENCES - OAKVILLE Luxury Condominium Residences From $2 million
COMING EARLY 2017 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles 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 NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Returning with Singles and Towns Register at lovemountpleasant.com
COMMUNITIES COMING 2017
Actually, it’s just the beginning! This year Rosehaven celebrates our 25th Anniversary and we’re going to make it one of the best years ever. We’ve built homes for over 6,000 families so far, and we’ve won lots of awards doing it. But at 25, we’re just hitting our stride. So wait until you see what we have planned for this year. And the year after. And the year after…
OAKVILLE - WOODLAND TRAILS Singles & Towns BRAMPTON - MT. PLEASANT Mid-rise Condo BRADFORD - DREAMFIELDS Singles & Towns HOLLAND LANDING ANCHOR WOODS Singles & Towns
Visit RosehavenHomes.com For directions, maps, hours and community information call our hotline
(1-888/416) 410-0175
Prices and specifications correct at press time. Prices quoted are in thousands except for Randall pricing. E. & O.E. MARCH 4 - 18, 2017 | NEW HOME GUIDE 13
Property Profile | THE DANIELS CORPORATION
First-time homebuyer finds owning at
Daniels’ FirstHome Sunny Meadow worth the wait CHRIS NOBES WAS DRIVING TO WORK in Brampton and
saw the sign for Daniels FirstHome Sunny Meadow, The Daniels Corporation’s newest community of fully built condominium walk-up and back-to-back townhomes designed specifically for first-time homebuyers. He had heard about the community from a friend and decided to register. “I had saved enough money to consider buying, and I was happy to get an invitation to the Preview Event. Once I saw what Daniels was offering, I realized what a great opportunity it was.” Situated at Sunny Meadow Boulevard and Sandalwood Parkway, Daniels FirstHome Sunny Meadow is close to where Chris lives, and only minutes to 14 YPNEXTHOME.CA
where he works as an IT coordinator in Mississauga. He already knows the area well and appreciates the community’s proximity to parks, schools, Professor’s Lake and Hwy. 410 access. The turnout for the Preview Event was phenomenal, especially as Daniels pre-builds its FirstHome Communities before going on sale. “I waited in line, and I have to say everyone was very nice, including the Daniels sales staff,” he says. At the Preview, Nobes and the
Location
Brampton Builder
The Daniels Corporation Development
Sunny Meadow Home Type
Condominium walk-up and back-to-back townhomes Sales centre: 250 Sunny Meadow Blvd., open Monday to Wednesday noon to 8 p.m., weekends noon to 6 p.m. Contact
905.460.9308 danielsfirsthome.ca
“I had saved enough money to consider buying, and I was happy to get an invitation to the Preview Event. Once I saw what Daniels was offering, I realized what a great opportunity it was.”
other registrants were able to tour a model of each design before deciding, plus buyers can move in within 60, 90 and 120 days. “It helped 100 per cent to walk through the models, and to know for sure the space will work for what I want.” Nobes fell in love with the onebedroom model because of its open concept layout. “I got on the waiting list for it, and when they called to say I could buy it, I answered ‘Let’s do this!’” he says. He is looking forward to moving into his home this summer. “It gives me time to get my finances in order and look around at furniture.” He was also delighted with the care the Daniels team took in explaining everything about the home purchase to him. “They made it all clear, and without any pressure. They actually made buying easy.” Daniels enables first-time buyers
to purchase with only five per cent down. Through its unique Gradual Deposit Payment Plan, purchasers are required to pay only $3,000 with the Agreement of Purchase and Sale, another $3,000 within 10 days of the purchase, and then $1,000 every month until they reach five per cent of the purchase price or final closing. Daniels also works with financial institutions to cap the mortgage rate, making qualifying for a mortgage more accessible, and helping to keep overall monthly carrying costs low. Named the 2016 Ontario Highrise Builder of the Year at the Tarion Homeowners’ Choice Awards, The Daniels Corporation (danielshomes. ca) is one of Canada’s preeminent builder/developers, building more than 26,000 new homes across the Greater Toronto Area for more than 34 years. Among its many initiatives,
Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels offers innovative programs that help people achieve homeownership, champions neighbourhood initiatives that enhance quality of life, and supports numerous charities and non-profit organizations. To become part of Sunny Meadow, hurry into the sales office at 250 Sunny Meadow Blvd., Monday to Wednesday from noon to 8 p.m.; weekends noon to 6 p.m., or call 905.460.9308. Stay up to date on exciting new Daniels FirstHome communities at danielsfirsthome.ca, and follow Daniels FirstHome on Facebook and Twitter. MARCH 4 - 18, 2017 | NEW HOME GUIDE 15
Advice | MONEY MATTERS
RRSPs: They’re not just for retirement anymore By Gail Vaz-Oxlade
MORE ADVICE ONLINE ypnexthome.ca/news/advice
THERE WAS A TIME when the only
thing a Registered Retirement Savings Plan (RRSP) was used for was saving for retirement. But this is no longer the case. The government lets you use your RRSP as a savings plan for a down payment on a home. It lets you use your RRSP to finance your on-going education. And those who wish to raise a family or go on sabbatical have long employed the RRSP as an income-averaging tool. It’s even used as an emergency fund by those who have suddenly found themselves unemployed. It’s fair to say that the RRSP has become Canadians’ favourite savings account. The problem with RRSPs being all things to all people is that its wider scope, its greater flexibility, its move from a hands-off-don’t-ever-touchthe-money retirement plan to a you-can-use-it-whenever-you-canjustify-it savings account is that the process of identifying your investment strategy has become more complex. Most people say they don’t have enough money to maximize their RRSP and set aside a non-registered emergency fund, which explains the overlap between retirement savings and other types of savings that often takes place within an RRSP. The first question you have to ask yourself when you’re trying to choose investments for your RRSP is, “When am I going to use this money?” If you’re using a portion of your RRSP savings as your emergency
fund, then keep that portion of the RRSP assets fairly liquid so you can get at the money if an emergency arises. If you’re going to tap into your RRSP within the next year or three to buy a home, that money isn’t destined for long-term investment. You’ve got a short- to medium-term investment horizon and must choose investments that suit. So you’ll have to forgo equities in favour of a moreconservative investment portfolio. Since you don’t have the time to wait out the bumps in the road that are part of the equity-investment experience, you’ll have to settle for less return. Being clear on how you plan to use your RRSP dollars is especially important when those dollars are being contributed to a spousal plan or the contributing spouse could find money withdrawn from that plan taxed in his or her hands. That’s because the rules for withdrawals from a spousal RRSP state that if money is taken from a spousal plan within three calendar years of a contribution to any spousal RRSP, that money could be taxable at the hands
of the original contributor. And that, of course, would completely defeat the income-averaging strategy the couple had set out to use. Make spousal contributions by the end of the calendar year as opposed to in the first 60 days of the new year, since spousal contributions are measured on a calendar-year basis. If you delay your contribution, you’ll end up extending the withdrawal period by another calendar year. Perhaps the toughest part about using your RRSP for myriad purposes is keeping track of which of your RRSP dollars are for what. Here, consolidation may work against you. Instead, consider opening a separate RRSP for each of your purposes and file your statements based on what you’re trying to accomplish. Separate accounts will not only help you stay focused on the purpose for which you are saving, it will allow you to keep your time horizon in perspective. While the money in your RRSP is yours and you decide how to spend it, don’t sacrifice your long-term goals for short-term ones. It’s easy to get focused on a single objective to the exclusion of all others. But to be balanced, take a look at what you want your savings to do for you long-term, as well as short- and medium-term. If you’re saving for a home, instead of putting this year’s total RRSP contribution into your “Home Ownership RRSP,” consider dividing it equally between home ownership and retirement. It will take a little longer to get into your dream home, but when you do, you won’t be behind in terms of retirement planning. Gail Vaz-Oxlade is the host of Til Debt Do Us Part and author of Debt-Free Forever and blogs daily at gailvazoxlade.com.
16 YPNEXTHOME.CA
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design is everything. everything .
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Follow us on Prices and specifications are subject to change without MARCH 4 -Rendering’s 18, 2017 are | NEW HOME GUIDE 17 notice. E. & O.E. artist’s concept.
2017-02-21 12:11 PM
Trending
The world’s most-expensive housing markets revealed Vancouver ranks third place, Toronto ninth
MORE TRENDING ONLINE ypnexthome.ca/news
WE ALL KNOW THAT TORONTO’S housing market is not
for the faint of wallet. Confirming the sky-high costs on a worldwide scale, the 2017 Demographia International Housing Affordability Survey has ranked the city as ninth most-expensive housing market in the world. Not surprisingly, Vancouver came in third. The survey examined 92 major housing markets around the world (with a population of one million people or more) and a total of 406 metropolitan housing markets in nine countries – Australia, Canada, China, Ireland, Japan, Demographia International Housing Affordability Survey Housing Affordability Ratings Housing Affordability Rating Affordable Moderately Unaffordable
Media Multiple 3.0 & Under 3.1 to 4.0
Seriously Unaffordable
4.1 to 5.0
Severely Unaffordable
5.1 to Over
Median multiple: Median house price divided by median household income
18 YPNEXTHOME.CA
New Zealand, Singapore, the United Kingdom and the United States, in the third quarter of 2016. The survey rates middle-income housing affordability using the “median multiple,” which is the median house price divided by the median household income. A multiple of 3.0 or less is considered to be “affordable.” Toronto and Vancouver were classified as “severely unaffordable” with median multiples of 7.7 and 11.8, respectively. Hong Kong topped the list with an eye-popping median multiple of 18.1. In second place was Sydney, Australia at 12.2. Vancouver and Toronto house prices each increased the equivalent of a year’s worth of household income in 2016. At the opposite end of spectrum, and for the fifth consecutive year, Moncton, NB was Canada’s only market to make the top 10 list of most affordable housing markets, with a median multiple of 2.1. The second most-affordable city in Canada is Fredericton, NB, with a median multiple of 2.2.
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MARCH 4 - 18, 2017 | NEW HOME GUIDE 21
T I
Trending
Problematic housing market conditions for second consecutive quarter FOR THE SECOND consecutive quarter,
Canada Mortgage and Housing Corp. (CMHC) is calling attention to problematic housing market conditions nation-wide. The national housing agency attributes the elevated risk rating to overvaluation and price acceleration in Vancouver and Toronto, where strong price growth has been sprawling into neighbouring cities like Hamilton and Victoria. House prices in Canada rose seven per cent year-over-year by the end of the third quarter last year, after adjusting for inflation. Interestingly, removing Ontario from the equation would have resulted in flat prices. This analysis is the result of insight from CMHC’s quarterly Housing Market Assessment (HMA), CMHC’s HMA examines the largest 15 housing markets across Canada, and identifies problematic conditions based on four key factors: overheating, when sales outpace new listings on the market; the rate of home price growth; overvaluation of homes; and overbuilding when the rental market vacancy rate and/or the inventory of new builds that are unsold is elevated. The HMA serves as an early warning system, alerting Canadians to areas of concern that are developing in our housing markets, so that action can be taken in a way that promotes market stability. Housing Market Assessment Highlights » Overvaluation and overbuilding remain the most prevalent problematic conditions observed across the 15 centres. 22 YPNEXTHOME.CA
MORE TRENDING ONLINE ypnexthome.ca/news
» Overvaluation and overbuilding are detected in eight centres. » Evidence of problematic conditions has increased in Victoria since the previous assessment due to moderate evidence of price acceleration and overvaluation. » Evidence of problematic conditions has decreased in Calgary since the previous assessment as some housing markets in oil-dependent centres are now rebalancing. » Strong evidence of problematic conditions continue to be detected in Vancouver, Toronto, Regina, Saskatoon and Hamilton.
» Evidence of problematic conditions in Ottawa and Atlantic Canada remains weak. “We continue to detect strong evidence of problematic conditions in Canada,” says Bob Dugan, chief economist at CMHC. “Price acceleration in Vancouver, Victoria, Toronto and Hamilton indicates that home price growth may be driven by speculation as it is outpacing what economic fundamentals like migration, employment and income can support. For this reason, home buyers should ensure that their purchases are aligned with their needs as well as the long-term market outlook.”
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Property Profile | MATTAMY HOMES
cover story
MATTAMY brings more choice to Markham’s most desired address MATTAMY HOMES HAS RECENTLY announced its return
to Cornell, the Markham community the company has helped shape over the last 15 years with collections of townhomes, detached homes and live-work spaces. This time, Mattamy is bringing its second phase of condominiums to the most sought-after neighbourhood in Markham. Mattamy’s latest offering in its lauded Cornell community beautifully marries efficiency of living with a real sense of community. The goal of the Condominiums of Cornell is to bring a new level of modern, urban living to one of the fastest growing areas of the GTA, and these condos definitely hit the mark. 24 YPNEXTHOME.CA
Mattamy has always prided itself on choice, and the Condominiums of Cornell are no exception. An inspiring variety of floorplans ranging from 725 to 1,302 sq. ft., ensure that homeowners can select just the right suite to accommodate their lifestyle needs. Mattamy has built more than 70,000 homes in hundreds of communities throughout Canada and the United States, earning them the honour of being North America’s largest privately owned home builder. Mattamy has never lost sight of how it has achieved success. It is based on one objective – to create homes and communities people love to live in. Innovation is part of the story as Mattamy has introduced ingenious, retractable solarium-style window
Location
Markham Builder
Mattamy Homes Development
Condominiums of Cornell Home Type
Condominiums Contact
mattamyhomes.com
enclosures on every balcony. Further enhancing the flexibility of choice, this European engineered system allows a homeowner to adapt their home’s usage to need, in any season. No condominium is complete without amenities, and if there’s one thing Mattamy knows about condos, it’s including everything a homeowner needs to fully enjoy their space. Building amenities including a fitness centre, party room and rooftop barbecue for relaxation bring modern urban life to an interconnected community setting. Mattamy’s extraordinary Design Studio offers a
magnificent array of finishes and features allowing a homeowner to create a home that adds a personal touch based on needs and tastes. Known for attention to superior customer service, Mattamy assigns every homeowner their own design studio consultant to provide expert guidance through the wealth of options in colours, textures and styles. Mattamy’s Condominiums of Cornell is opening soon. To be part of this new neighbourhood please register today at mattamyhomes.com MARCH 4 - 18, 2017 | NEW HOME GUIDE 25
Advice | MORTGAGE ADVICE
Should you use the Home Buyers’ Plan? By Alyssa Furtado
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WITH THE AVERAGE selling price of a home in Canada reaching $470,661 in December 2016, it can take years to save for a down payment because homebuyers must put down five per cent or more. The Canadian government has a program called the Home Buyers’ Plan (HBP) to help first-time buyers get into the market. This program allows you to withdraw up to $25,000 from your RRSP if you’re a first-time homebuyer. If your spouse or partner is also a firsttime buyer, they can also withdraw $25,000 from their RRSP, for a total down payment of $50,000. But is the HBP right for you? Let’s look at the advantages and disadvantages of the program.
Save your down payment quicker The largest benefit of the HBP is that it lets you become a homeowner sooner. Saving for a large down payment can be daunting if you’re starting at zero. The HBP allows you to access the money you already saved in your RRSP. Accessing this money can significantly decrease the time you have to spend saving. Reduced mortgage default insurance costs If you’re planning to make a down payment of 20 per cent or less, your mortgage is considered high-ratio, and you’ll need mortgage default insurance. The lower your down payment, the higher your premiums. As of March 17, the premium rates are:
Down payment 5% to 9.99% 10% to 14.99% 15% to 19.99% 20% or more
Premium rate 4% 3.1% 2.8% 0%
You don’t have to pay the insurance premiums at closing. Instead, they’re usually added to the mortgage and you pay them off over time. The downside of mortgage insurance is you’re essentially paying for nothing. The insurance doesn’t protect you, it protects your lender in the event you can’t make your payments. By adding those premiums to your mortgage, you’ll have less equity in your home. Even if you shop around for the best rates, you’ll end up paying additional interest over the life of your mortgage. If you don’t want to pay mortgage insurance, you need to put down at least 20 per cent down. Some Canadians use the HBP to top up their existing down payment to 20 per cent so they won’t have to get mortgage insurance.
You’ll be taxed if you don’t pay it back The HBP isn’t free money. You can withdraw up to $25,000 tax-free from your RRSP, but you have to repay the amount you borrowed over a 15-year period. If you don’t make your repayments, the government will consider the money taxable income. Repayments begin in the second year after you make your withdrawal. The bottom line The best way to use the HBP is to save for your home in your RRSP and withdraw that money. You can also contribute your income tax refunds to your RRSP to grow your savings faster. But you aren’t robbing yourself of compounding as long as you don’t touch the money you already saved for retirement. 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.
26 YPNEXTHOME.CA
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M8-1044_nhg_March4_2017.indd 1
MARCH 4 - 18, 2017 | NEW HOME GUIDE 27
2017-02-21 2:07 PM
Property Profile | GERANIUM HOMES
Geranium Homes ushers in 40th year with brand refresh IN 2017, GERANIUM IS celebrating 40 years of community and home building. The award-winning company has an impressive portfolio of land holdings and completed master-planned communities, including more than 8,000 homes built, across Southern Ontario. Geranium embraces the values of responsible development with the vision to create places that are meticulously planned, expertly executed and designed with sensitivity and respect for the environment, the local neighbourhood and the future residents. 28 YPNEXTHOME.CA
“Our industry, clients and business are constantly evolving and we have been strategic in ensuring Geranium’s continued growth and success,” says president Boaz Feiner. “Our 40th Anniversary was the perfect opportunity to amalgamate the two divisions – Geranium Corporation
“Our industry, clients and business are constantly evolving and we have been strategic in ensuring Geranium’s continued growth and success,” – President Boaz Feiner. Whitchurch-Stouffville
Coming soon to Pickering
VISTA Flats & Towns is the final phase in the award-winning The Neighbourhoods of Cardinal Point and offers innovative condominium one-storey flats and two-storey towns. Ground-breaking is scheduled to begin by summer and only a few homes remain available. PACE on Main is a midrise condominium located in the heart of Stouffville’s picturesque Main St., where it is under construction. Only a few suites remain with prices starting from $379,900, including parking.
Edgewood borders acres of woodland and will offer 21 detached homes within a mature neighbourhood close to Hwy. 401 and Pickering Town Centre. Prices will start from more than $1 million. Register today to learn more; launching for sale in spring,
Scarborough luxury specializing in land development and Geranium Homes focused on home building. With a refreshed identity that more accurately reflects our many areas of expertise and years of experience, we are united under one name – Geranium.” The 40th year follows one of the company’s highest annual sales volume and Feiner projects 2017 will be another record-breaking year not just for home sales but in all aspects of its business.
Homes are selling fast at Twelve on the Ravine, a collection of 12 twostorey residences ranging from 3,047 to 3,882 sq. ft., set on deep lots up to 300-ft., backing onto Highland Creek ravine in Scarborough. Live in just minutes to the Toronto Pan Am Sports Centre and University of Toronto Scarborough Campus, with TTC at the door and quick access to Hwy. 401. Offering contemporary interiors in four- or five-bedroom floorplans, with deluxe interior finishes, prices start from more than $1.7 million.
Master-planned in Aurora Steps from Yonge Street in an established Aurora neighbourhood, Geranium will be releasing the first phase of its newest masterplanned community later this year. Comprising 159 family-sized homes on 50- and 60-ft.-wide lots, the neighbourhood is central to all that Aurora offers. Register to learn more. For 40 years, Geranium has adhered to a belief that the concept of community is about building a future for the families who will live there; providing a connection to the surrounding neighbourhood. It is this core value that will lead Geranium into the future. For more information, visit geranium.com MARCH 4 - 18, 2017 | NEW HOME GUIDE 29
Advice | NEWS AND VIEWS
More people, more competition, more common sense in a hot housing market By Lydia McNutt
MORE ADVICE ONLINE ypnexthome.ca/news/advice
STATISTICS CANADA HAS RELEASED
the first installment of data gathered in the 2016 Census, with this initial snapshot offering insight on Canada’s population and dwelling counts. What have we learned? Canada is growing. Back in 1871, when the first census was recorded, there were 3.5 million people living in Canada. By the time Canada reached its 100th birthday, its population had grown to 20 million. In 2016, we surpassed 35 million people – up five per cent from the last count in 2011, and 10 times greater than the first tally post-Confederation. This is the fastest rate of population growth among the G7 countries, according to Statistics Canada. Reflective of Canada’s rising population, there are now more big cities. In 2016, there were 35 census metropolitan areas (with a population of at least 100,000, of which 50,000 or more live in the core), versus 33 in 2011. The newest members of the “big city” club are Lethbridge, Alta. and Belleville, Ont. Even Canada’s small towns are getting bigger, with eight new Census Agglomerations (CAs) counted in 2016 versus 2011, with a core population of 10,000 people or more. Canada’s three largest CMAs – Vancouver, Toronto and Montreal – were home to more than one-third of the entire population, housing 35.5 per cent, or a combined 12.5 million people. 30 YPNEXTHOME.CA
If you live in one of these cities, or you aspire to, then you already know that these housing markets can be competitive, pricey and, at times, unpredictable in the short term. You also likely know that housing in these markets has historically been a profitable venture in the long term. Think about it: what other investment vehicle allows you to purchase something and use it daily, while it continues to appreciate in value? It’s no wonder that real estate is a hot commodity. If you’re embarking on this ambitious endeavour, here are some tips for keeping your cool in a hot housing market: 1. Set your budget and perhaps more importantly, stick to it! Multiple offers may be rolling in on your dream home, but don’t let yourself become a bidding war casualty. A home is only worth so much. It’s up to you to decide what that magic number is. 2. Work with the pros. Your real estate agent, financial advisor/lender and lawyer are your holy trinity – all key resources in the homebuying process. Their job, aside from
collecting their fee, is to help you keep your emotions in check and make a purchasing decision based on facts and figures, not emotions. 3. Know when to quit. Just because a competing bid comes in $300,000 over asking (as is commonly the case in Toronto and Vancouver!), that doesn’t mean the home is actually worth that much – and it definitely doesn’t mean you’ll get that return on resale, if that’s what you’re banking on. Make a smart bid that reflects what the home is actually worth. Compare the property you’re considering buying to others that sold in the same area. Your realtor has access to the Multiple Listing Service (MLS), allowing you details on sales volumes, average price and days on market, both by housing type and neighbourhood, allowing you to make a fair offer that you can live with. Lydia McNutt is an award-winning writer and senior 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. Email Lydia.McNutt@ ypnexthome.ca, and follow Lydia on Twitter @LydiasTweets
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Neighbourhood Profile
Yonge and Eglinton
By Elisa Krovblit
Fast facts
MORE PHOTOS ONLINE nexthome.yp.ca/Yonge-and-Eg
Average household income
$87,220 THE HEART OF MID-TOWN, Yonge
and Eglinton is a vibrant community with a little bit of everything, like a financial centre, nightlife, businesses, entertainment, parks, dining – plus lots of upscale shopping. It’s also a great neighbourhood for strolling, as well as a perfect place to live if you are reliant on public transit. The lifestyle This is a great neighbourhood for those who love to get out and enjoy plenty of community resources and amenities. It’s got excellent night life and activity throughout the day. From parks and sports to socializing and group activities, there really is something for everyone. The vibe The vibe of this neighbourhood is a busy pace in the hub – right at Yonge and Eglinton – but the side streets are quiet and tranquil, with large, old trees and well-kept homes boasting manicured lawns. It’s a cool part of town, definitely attracting active and outdoorsy residents.
32 YPNEXTHOME.CA
Meet the neighbours Sometimes referred to as “Yonge and Eligible,” the neighbourhood definitely has an element of young single professionals. There’s a wide range of pubs, lounges and shopping to meet that demand. There are also a lot of older, active adults on the move, with upscale residences in the area. In the area The area has a large shopping centre and business complex at Yonge and Eglinton. A library, as well as several schools are in the area, including the prestigious Havergal College for girls and Upper Canada College for boys. Eglinton Park is massive, with everything from tennis and baseball to a playground and ice skating. Planes, trains and automobiles Yonge and Eglinton is right on the Yonge subway line and the station is a really busy one. The area is well served by public transit for those who don’t have a car. Mount Pleasant and Avenue Road are also great access routes to the city when Yonge Street is too busy.
Family structure
FAMILIES
COUPLES
SINGLES
14%
29%
57%
Own vs. rent
75%
RENTERS
25% OWNERS
Cheers!
41%
33%
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WHITE WINE
SOURCE: ENVIRONICS
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Inspiration | DESIGN SECRETS
HOW TO PREPARE FOR YOUR (EVER-CHANGING) KIDS’ ROOMS By Jane Lockhart WHEN IT COMES TO KIDS’ ROOMS
and decor, I have one rule of advice: Let your child participate in the decisions. It’s their room and they know best what they prefer for colours. Now, that rule also carries with it a caveat – these decisions will be temporary. Children grow, change and then change some more and so do their tastes. I’m certainly not advocating that we indulge in their every whim and fantasy – unless you’re okay with that, but at least let them take an active part in the decision regarding colour. Paint is one of the least expensive decorating 34 YPNEXTHOME.CA
products and it can transform a space in a relatively quickly. Think about it. Did your parents let you choose the wall colour of your room when you were a child? My mother chose it for me so my childhood room was gold and brown. They were contemporary choices “back in the day” but I wouldn’t have picked them for myself. Babies’ rooms are (relatively) easier to decorate because you get to choose how the room will look. You get to indulge your tastes… for a while. As soon as your child can talk, he or she will develop opinions. From then on
the countdown is on ‘til they tell you what they want in their room. I usually give it five years. You’ve been warned. There will come a day when they will outgrow that adorable space and insist on decorating their own space. Today we see decor options for children that cater to their tastes, such as cartoon characters or hobbies. That interest may not last so add a few accessories based on the theme and spend your investment on the more permanent pieces in a room. A great bed, desk and dressers can last for years right into their first adult apartment. But that requires discipline
on your part. There is a whole category of juvenile furniture that may look great but is sometimes smaller in scale and your child may not be interested in those furnishings starting in their teen years. The next stage in your child’s developing opinions on their “territory” come when your child hits the preteen years. Suddenly all the childhood themes are replaced with something a little more “aspirational.” Whether it’s sports, hobbies or fandom, your pre-teen will want a room that reflects their changing tastes. As I mentioned, painting can produce great results, then let them participate in what goes up on those painted walls. You may not like it, but everything is temporary, including the holes in the walls. Your teen may just start taking over the decor completely and become even more territorial over their space. I have a client whose teen son always left the empty drawers open in his dresser, the contents spilled out all over the floor. This client was mortified at the lack of respect for tidiness. The teen, however, saw it as a shortcut to getting dressed. This is normal, some teens express themselves through their room. This can be alarming and depending on your degree of tolerance, this may be the thing that puts you over the edge. But take a breath, try to relax, this too is temporary. If we can just keep in mind that it’s just decor. That it’s going to constantly change and develop. Most children learn a healthy respect for their surroundings and develop their own tastes by the time they’re adults. It may be difficult for those who like to control the aesthetics of their homes, but try to look at it as a gift you’re giving your child – the gift to express themselves in their own four walls. After all, one day you just might have a chance to exact revenge by decorating the guest room in your grown children’s homes!
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
MARCH 4 - 18, 2017 | NEW HOME GUIDE 35
Advice | LEGALLY SPEAKING
Why do I need a real estate lawyer?
B By Jayson Schwarz
MORE ADVICE ONLINE ypnexthome.ca/news/advice
WHEN YOU AGREE to purchase a new condominium, there is a 10-day cooling off period that allows you to back out of the deal – a get-out-ofjail-free card, if you will – should you change your mind. Lately, I have had a large number of new-home buyers come to me after the 10-day cooling off period for condominiums, or the conditional periods in a freehold new home offer, has expired. When I ask them why they waited, I get one of three standard responses:
1. I didn’t think I needed a lawyer until it was time to close. 36 YPNEXTHOME.CA
2. The sales agent told me I didn’t need a lawyer until it was time to close. 3. The builder said he wouldn’t change anything. A lawyer must advise you at the time you make your offer, to help you avoid all of those tricky clauses where builders look for extra money that could end up costing you thousands of extra dollars on closing. It is critical that you see a lawyer before your deal is firm. It is important that your lawyer explains all the potential costs you will face and the potential changes and the potential delays you may encounter. Insist on this, and if you don’t get what you want or need, see another lawyer. Once you understand these issues, you can then return to the builder and negotiate your purchase from a position of knowledge. Lawyers are service providers, and as the
customer, you need to make sure you get the necessary information to make an educated decision. A home is one of the most important purchases you will ever make, so do your research. You can only get this service from a real-life, breathing, lawyer who will point out the good and the bad in your Agreement of Purchase and Sale, and who is required by the Law Society rules to explain title insurance and by law, have the responsibility to take care of you. If a builder says he won’t change anything in the offer, it will have to be the fairest offer ever written. Do your due diligence and become an educated consumer. 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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e-NEWS!
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Model Home Photo Compliments of Great Gulf | www.greatgulf.com
Outstanding interiors, like this magnificent Mike Niven designed gourmet kitchen at Summerlyn Village in Bradford, have been a Great Gulf hallmark for four decades. The Maple, 3,150 sq. ft. at Summerlyn Village in Bradford.
MARCH 2017 Great Gulf 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
HILLSBOROUGH LANDING PARK RIDGE
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
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
preview registration ON THE RIDGE By: Rosehaven Homes & Homes by DeSantis City: Stoney Creek Housing type: Freehold townhomes liveontheridge.ca
GLENWAY
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: Andrin Homes & Lakview Homes City: Newmarket Housing type: Two- and three-storey townhomes and bungalow detached homes on 50- and 55-ft lots glenwaylivingcom
By: Marlin Spring Developments City: Markham Housing type: Elegant townhomes at 16th Avenue and McCowan Road tazzotownes.com
PINE VALLEY
By: Brookfield Residential City: Aurora Housing type: Limited release of 56 estate homes in a gated community setting auroratimberlane.ca
By: Gold Park Homes City: Vaughan Housing type: Detached homes goldparkhomes.com
TIMBERLANE
CITYLUX TOWNS By: Fieldgate Homes City: Thornhill Housing type: Register for a new release of urban townhomes in Thornhill Woods fieldgatehomes.com
BOXGROVE VILLAGE By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com
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
…continued on page 44 42 YPNEXTHOME.CA
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…continued from page 42
VALLEYLANDS
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
TWELVE ON THE RAVINE By: Geranium Homes City: Scarborough Housing type: 12 two-storey homes on 43-ft. lots that back onto Highland Creek ravine geraniumhomes.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: Freehold towns, semis and detached homes tiffanyhill.ca
new openings AFFINITY CONDOMINIUMS
VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the low $400’s vistaflatsandtowns.com
SADDLE RIDGE By: Greenpark and Starlane Home Corp. City: Milton Housing type: Towns, semis and 40- and 46-ft. singles saddleridgemilton.ca
VILLAGE GREEN 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: Rosehaven Homes City: Burlington Housing type: Contemporary midrise condos from the low $300’s rosehavenhomes.com
By: Ballymore Homes and Briarwood Homes City: Tottenham Housing type: 50-ft. singles starting from the high $790’s millstreethomes.com
CHELSEA MAPLE STATION
TIME
By: Aspen Ridge Homes City: Vaughan Housing type: Stylish modern townhomes across from the Maple GO aspenridgehomes.com
By: Treasure Hill Homes City: Aurora Housing type: Urban towns from the high $599,900 and up to 1,500 sq. ft. treasurehill.com
NEWTOWNS AT MOUNT PLEASANT
KLEINBURG SUMMIT
By: Primont Homes City: Brampton Housing type: Final phase of masterplanned community of townhomes primonthomes.com
44 YPNEXTHOME.CA
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 By: Fieldgate Homes City: Brampton Housing type: 38- and 41-ft. singles starting from the $800’s fieldgatehomes.com
CORNELL ROUGE By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the high $800’s cornellrouge.com
PARK RIDGE By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca
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
2.35
Alterna Bank
2.6
Bank of Montreal
2.6
Bank of Nova Scotia
2.9
CIBC
2.7
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 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
2.84
2.59
2.84
2.84
3.19
3.59
4.09
2.89
3.09
3.39
3.89
4.49
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 2.89
2.84
3.44
2.74
2.94
3.24
3.49
3.69
3.79
6.95op 4.55 6.45op 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
2.69 2.94
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 3.14 2.8 2.95op 2.39
2.74
2.59
2.84
2.84
2.89
2.95
2.99
2.89
2.64 2.99
2.64 2.99
2.84 3.1
2.94 3.14
3.2
3.65
4
4.5
2.79
3.39
3.89
2.64
3.04 2.85
3.15 2.95
3.89 3.05
3.89 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 Feb 13, 2017. Prepared By Fiscal Agents Financial Information Services 905.844.7700
MARCH 4 - 18, 2017 | NEW HOME GUIDE 45
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projects & communities MAP LISTINGS IN THIS ISSUE PAGE
BUILDER
SITE
CONTACT INFO
continued from page 48 PROPERTY TYPE
PRICE RANGE
PIN
MAP FINDER
Central D
7
Andrin Homes
Glenway in Newmarket Phase II
GlenwayLiving.com
17
Averton Homes
Averton Common
416-646-9898
Averton Homes
Corporate
Averton.ca
T
17
Averton Homes
Evolution
416-747-9691
T
27
Geranium Homes
Corporate
geraniumhomes.com
D
T
Geranium Homes
Twelve on the Ravine - Highland Creek
12ontheravine.com
D
Geranium Homes
Vista at Cardinal Point
vistaflatsandtowns.com
D
Great Gulf
Corporate
416-449-1340
T
Madison Homes
Briar Hill
madisonhomes.ca
T
Madison Homes
Cornell Rouge
905-472-9556
D
Madison Homes
REALTowns Thornhill
Madisonhomes.ca
Madison Homes
Thornhill Ravines
Madison Homes
from $700,000
68
18F
from $690,000
80
13L
from $320,000
75
13R
T
from $1700,000
89
23P
T
from $420,000
12
22J
from $500,000
1
16Q
from $890,000
16
23M
D
from $1000,000
85
17L
905-417-1203
D
from $1800,000
53
16L
Zigg
ziggcondo.com
D
from $380,000
10
18J
Mattamy Homes
Alderidge
mattamyhomes.com
D
from $1230,000
82
13S
Mattamy Homes
Canopy at Downsview Park
mattamyhomes.com
37
15P
BC
Mattamy Homes
Cornell
mattamyhomes.com
D
T
17
22M
IFC &1
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
T
42
19R
Mattamy Homes
Vita on the Lake
mattamyhomes.com
from $350,000
39
14S
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
17
Averton Homes
Beacon Hill Bowmanville
905-674-6166
17
Averton Homes
Main Street Seaton
289-545-0022
70
25N
17
Averton Homes
The Estates at Riverbend
Averton.ca
16
Briarwood Homes
Young’s Cove
youngscove.ca
Mattamy Homes
Queen’s Common
mattamyhomes.com
D
T
91
27O
Mattamy Homes
Seaton Taunton
mattamyhomes.com
D
T
44
24N
Reid’s Heritage Homes
Madison Lane
madisonlanecondos.com
Treasure Hill Homes
Shift
treasurehill.com
70
25N
Treasure Hill Homes
Urban Town Living
treasurehill.com
70
25N
Tribute Communities
Corporate
mytribute.ca
D
Tribute Communities
Park Ridge
mytribute.ca
D
88
31N
Tribute Communities
U.C.Towns
mytribute.ca
D
71
30M
5
13
23
C
S
T S
S
from $2900,000 C
C
East
31
21
D
from $400,000 from $400,000 C S
T
C T from $390,000
$556,000
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
North 11
Andrin Homes
Hillsborough Holland Landing
andrinhomes.com
D
from $820,000
51
18E
17
Averton Homes
Victoria Highlands
416-924-0110
D
from $850,000
69
23E
17
Averton Homes
Village Green
416-924-0110
T
from $500,000
69
23E
Briarwood Homes
Mill Street Village
millstreethomes.com
T
from $560,000
20
12E
Briarwood Homes
Pretty River Collingwood
1-888-257-1999
19
Diam Developments
Radiance
radianceinnisfil.ca
9
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
Tribute Communities
Gates of Nobleton
647-633-3500
18
13I
Averton Homes
Averton Square
905-378-2500
Great Gulf
Trafalgar Landing
905-844-1605
Great Gulf
Westfield
905-866-6876
D
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
Sifton Properties Ltd.
Riverbend
519-657-4333
Treasure Hill Homes
Tiara Estate Collection
treasurehill.com
S
from $310,000
T
from $450,000
D
T
D
T
D
S
T
from $2360,000
D
T
from $1000,000
T
from $550,000
T
from $200,000
30
8V
from $537,000
24
8P
59
6S
60
7O
93
8O
29
7V
78
11L
West 17
33
continues on page 47
D
T
T
D
C
T
D
from $350,000
T
from $1000,000
Property Type D Detached S Semi-Detached T Townhome
Line
Line
Line
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10th
11th
8th
9th
al Pkwy
SC a
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Ar t
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W eston Rd
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Rd
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Ave Bayvi w
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awes Rd
Main St
Coxwell Ave
Eastern Ave
O’Co n
Mortimer Ave Woodbine Ave
Ave
Browns Line
erlea Blvd Ov
Bro adv iew
Jarvis St
tC an al
Queen St W King St W Front St W
Eglinton Ave W
Greenwood Ave Donlands Ave Jones Ave Pape Ave
e
Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St
University Ave
r vic e Rd
Moore Ave
Parliament St
Se
Am eric an Dr
Mono C
Clay
Scotch
Rd
Conc
Conc
7th 6th
7th
4th
5th
Rd
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Line
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Rd
EHS
EHS
EHS
EHS
d
Laird Dr
Christie St
Avenue Rd
Mt Pleasant Rd
Spadina Rd
St Clair Ave W
Toronto
Davenport Rd Dupont St
Lansdowne Ave
ins
1
Va ug ha nR d
Ossington Ave
d
Glencairn Ave OakwoodAve
Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk
d nR sto We
Edgewood Rd
Post Rd Lawrence Ave W
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Caledonia Rd
Don Vally Pkwy
Allen Rd
Don Mills Rd
York Mills Rd
Queen S
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Rd
Park
Dr or ds Win
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Rd
Rd
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Millgrove
404
Sheppard Ave
Rd ian Lorne Ind
19 Dr Ford
Moffat Rd
Leslie St
Willowdale
Eastlake
d ell R rtw Cha
Carey St Rd
Cummer Ave
Willowdale Ave
Drewry Ave
Senlac Rd
Wilson Hts Blvd
37
12
John St
Thornhill
4th e Lin
Moxley Rd
Centre St
71
St rr Ke
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Ofield Rd
16th Ave
Leslie St
New W estmins ter Dr
River
Bayview Ave
Peter Rupert Ave
6 85Carrville Rd
Summeridg e Dr
r
k Cr Dr Blac
Meddaugh Rd
Rd
Yonge St
Dufferin St
Richmond Hill
Dr
39
19th Ave
41 49
North York
Rogers Rd
Jefferson 29
407
Sen tinel
Park Lawn Rd
e rmer WindeAve
d Blv Haig
Lake Shore Blvd W
Runnymede Rd
Prince Edward Dr Royal York
Judson St
10
Grandra v i ne D
Old
34
Sunset Beach Rd
Gamble Rd
Keele St
Jane St
Oakdale Rdy
ay sw
Norseman St The Queensway
Bathurst St
Weston Rd Norfinch Dr Dr
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Th
The East Mall
75
Aurora
Jefferson Sideroad St
HWY
Tre the wey Dr
eK ing
Burnhamthorp eR d Bloor St W
72
Henderson Dr
Bloomington Rd
53
Langstaff Rd
Wilson Ave
Rathburn Rd
Wellington St
McNaughton Rd
Downsview
Bo
n ow thd Sou
Rd
ng ndi La
Mulock Dr
Teston Rd
Maple Leaf Dr
The Westway
Sand Rd
Dufferin St
Jane St
Rd
Newma 1
49
55
Weston Rd
Islington Ave
Kipling Ave
400
Etobicoke
The West Mall d lR Mil
Rd
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Dr
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Barrie St
Fraser St
Wanda St
Jane St
Rd Wist Rd Davis Holancin
Rupke Rd
7th Concess ion
Rexdale
82
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St John’s Sideroa
King-Vaughan Rd
ar nm Fe Finch Ave W
74
Kirby Rd
Rutherford Rd Bass Pro Mills Dr
Dixon Rd
Renforth Dr
kwy nP
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Sideroad 10
Coffey Rd
River Rd
Leonard Rd
Pine Valley Dr
Weston Downs
Green L
68
56King Rd
11
Mill Rd 72
Evans Ave Horner Ave
38
53
87
Langstaff Rd
51
Miller’s Sideroad
16th Sideroad
Vaughan
Clarence St
Martin Grove Rd
Carlingview Dr
py Ex
King St
Strawberry La
6
73
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51 Morning Sdrd
Snowball
55
56
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Kipling Ave
McGillivray Rd
Hunting ton Rd
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dale Erin Rd Stn
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10th Concess ion
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20
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19th Sideroad
409
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11
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33
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91
41
24
43
Garden St
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31
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12
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57
G
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71 2
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27
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44
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Plug Hat Rd
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tingwood Dr H un Sheppard Ave
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Tapscott Rd
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89
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71
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Markham Rd
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Glen Major
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High P
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5
57
Jobb Rd
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48
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Stouffville 12
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21
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7
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Scugog Line 8
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O’Donnell Landing
E
28
Wheatfield
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Sideroad 17
Brookdale Rd
47
Ranch Rd
Ramsey Rd
Lindsay 17
Kent St
4
Cricket Hollow Rd
16
Hood Dr
C
D
Algonquin Rd
Cookston Rd
4
Long Rd
Little Britain Rd
Little Britain Rd
Zion Rd
Fenelon Bdry
Dewdrop Rd
Cresswell Rd
Salem Rd
Seagrave
Scugog Line 9
HWY
Medd Rd
Uxbridge
Prouse Rd
Bethesda
Sideroad 17
47
Wagg Rd
Hillsdale Dr
a
Re ach St
HWY
O’Beirn Rd
7th Conc Rd
e hor
d
Kawartha Lakes
Royal Oak Rd
Scugog Line 12
Cragg Rd Canton Rd
6th Conc Rd
Aurora Rd Lak es
Jesse Thomson Rd
Sideroad 17A
15 8
Brock Rd
Siloam
Ballantrae
Vandorf Rd
Marsh Hill
Scugog Line 12
23
8
7 12
B
Taylor Corners
Farmstead Rd
Little Britain Rd
6
Saintfield
Uxbridge
St Johns Rd
Farmstead Rd
Pinedale
Scugog Line 14
Blue Mountain Rd
Ball Rd
Roseville
3nd Concession Rd
57
St John’s Rd
Wesley Cors
Shier Rd
Cherry St Faulkner Ave
Oakwood
7 7th Concession
6
ke La on ge ur St
7A
Cambray 18
Manilla
2nd Concession
Victoria Corners
34
GrahamRd
Brock-Scugog Townline Rd
1
A
Skyline Rd
13
Victoria Corners Rd
9
Quaker Rd
9th Concession
6th Concession
Foster Dr
Feasby Rd
4th Conc Rd
26
11
2nd Concession Rd
Woodbine Ave
ad
13
Davis Dr Bow St
Cedar Valley
Vivian Rd
74
Sandford Rd
York-Durham Line
arket
ogarttown
Weirs Rd
Sandford
Peniel Rd
5th Concession 4th Concession
Goos
33 The Glen Rd 34
46
10th Concession
Sunderland
Cameron 9
Rd
Black School Rd
11th Concession
21
Rd
9
Valley
32 12
8th Concession
King St
Linden
6
Powles Corners
Islay
Grasshill
Woodville
Cannington
Derryville 12
Woodville
St
31
9th Concession
Vallentyne
Zephyr Rd
13
Leaskdale Rd
Ashworth Rd
69
Brock
2
Concession
30
Vrommanton
23
8th Conc Rd
Davis Dr
Lake Ridge Rd
West Franklin
Bales Dr
Udora
46
King
2
6th Concession Rd
19
82
Kennedy Rd
9th Concess ion
St
Rd Franklin
Herald Rd
39
t
14th
29
Hartley
Lorneville
10
5th Concession Rd
Mount Albert Rd
13
12
Wilfrid
10th Concession
Fowlers Rd
4th Concession Rd
Centre St
65
Lane
Zephyr
Hollingers Rd
Doane Rd
Bridle Path Farr Ave
Foot Dafoe St St
East Gwillimbury
Doane Rd
86
Brewster Rd
3rd Concession Rd
77
28 13th Concession
Rd
Q u a r ter
Lorneville
Brock-Thorah Townline East
Concession
21
Ravenshoe Rd
39
Meyers Rd
Orchard Ct
2nd Concess ion
48 Hornes Rd
Cedarbrae
5th Concession Rd
2nd Concession Rd
Leslie St
Holborn Rd
Cedarbrook Dr Rd
Old Shiloh Rd
Leitch Rd
3
Queensville
Georgina
Brown Hill
Cole Rd
14th
27
Old Homestead Rd
48
81
Frog St
Boag Rd
Maple Hill
8
26 Morning Glory Rd
Smith Blvd
Prout Rd
Ravenshoe
Queensville Sideroad
13
ain
Rd
79
Audubon Way
Miles Rd Blake Ave
ing ter Ca
Boag Rd
Holborn Rd
45
32
Carley Rd
The Queen sway
Holland Marsh
Rd st re nc ve Ra
25
18
g Irvi n
Weir’s Sideroad
Glenwood Ave
Ravenshoe Rd
Cryderma n’s Rd
COOK’S BAY
24
Latimer Rd
Dr
Concession Rd 3 Thorah
Concession Rd 2 Thorah
Sideroad 17
Baldwin Rd Pollock Rd
Virginia
Park Rd
Church St Morton Ave
Sutton
BrockThorah Twnl W
Thorah Beach Port
Point
Lloyd Sdrd
23
Mile Lane
Lasher La Valley Vie w Dr
nt ry Bethel Side Rd
Rd
Island View
Rd
Maple Beach
Duclos Point
P e ff e r l a w
22 Cou
Old Homestead Rd
River
Stoney Batter Rd
Rd 9 ing
Lockie Sd Rd
21
Briars Pk
Virginia Blvd
Base Line Rd
8A
Rd
e dge
Black 80 Hi
Park Rd
20
Jacksons Point
3
St gh
19
Boyers Sideroad
Metro Rd
Willow Beach
Rd H
DeGrassi Point
Island Grove
Deer Park Rd
The Que ensw ay
Harbour St Pine Ave
Roches Point
h ore
Dalton Rd
t tS ar Ew
e
Dr
e Lak 78
S
each Rd
Lake
Civic Cen tre Rd
d eR
Cate r
Sideroad
23
Nantyr Park
Thorah
John’s Rd
Line
Line
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