GTA New Home Guide - March 16, 2013

March 16 - 30, 2013 Volume 21 Issue 06

INSIDE THIS ISSUE

IMPORTANCE OF THE PRE-CLOSING INSPECTION

A ‘HOW-TO’ FOR NEW-HOME SHOPPING

HOUSING AFFORDABILITY IMPROVES SLIGHTLY

Racer.

Daredevil.

aspenridgehomes.com

Dare to live the life you've always dreamed of.

Welcome to Credit Manor Heights, with its family-friendly streetscapes blended by a wealth of amenities, including schools, hospitals and shopping outlets. Take your family for a picnic at Professor’s Lake, with its groomed sandy beaches and popular water slides, or enjoy a day at Chinguacousy Park, home to a quaint farm with petting zoo, animal rides, mini-golf, tennis courts and botanical gardens.

Brampton Credit Manor Heights NOW OPEN Mississauga Rd. & Steeles Ave. Towns from $400’s Singles from $600’s

905.216.5155

Aspire.

aspenridgehomes.com

Markham

King City

Kleinburg

Nobleton

Richmond Hill

Upper Cornell MODEL NOW OPEN

King Oaks NEW RELEASE

Kleinburg Hills NOW OPEN

King Country Estates NEW RELEASE

Kettle Lakes Club NOW OPEN

Northeast corner of 9th Line & Bur Oak

Mike Niven Model East side of Keele St., south of King Rd.

Hwy. 27 & Major Mackenzie Dr.

TWO Mike Niven Models East side of Hwy. 27 just north of King Rd.

Bayview Ave. & Bethesda Side Rd.

Semis & Singles from the mid $490’s

60', 70' & 80' Singles from $1.1 million

40', 50' & 60' Lots Singles from $800’s

Semis from $570’s Singles from $780’s

Executive Towns from the mid $500’s

905.554.3446

905.539.0181

647.921.0381

905.558.0255

289.231.2849

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. February 2013. 20505.

contents march 16 - 30, 2013

||

volume 21 issue 06

page 78

Finances

Building your best financial future at every age

cover story

p. 24 fieldgate homes Spring is in full swing at Fieldgate’s many fine communities

52

62

community focus features 52 alliston FarSight Homes

All-new bungalows-plus-lofts deliver quality and value

62 port hope Geranium Homes

Move in this year at the Verandas in Port Hope

82 Markham Mattamy Homes

At Mattamy’s Cornell, you’ll find higher standards come standard

82

104

104 chippawa Rosehaven Homes

Models under construction at Lyon’s Creek in Chippawa

64

80 44

regular and special features in every issue

4 editor’s note 10 contributors 54 hot dates 118 ad index columnists 14 BILD Report

Excitement surrounds the National Home Show

18

by Bryan Tuckey

taxing issues

Valuable tax tips for first-time buyers

by Henry Choo Chong

28 mortgage finesse

Do you know how your mortgage provider gets paid?

by Calum Ross

38 Legally Speaking

The importance of the PreClosing Inspection

by Jayson Schwarz

40 industry outlook

A ‘how-to’ for new-home shopping

by Hugh Heron

64 quick tips

A dose of reality

by Hellen Buttigieg

112 fundamentally speaking

Homeownership affordability continues to improve

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

by Wayne Karl

homebuyers’ help

44 10 minutes with...

Cheryl Shindruk, executive vicepresident of Geranium Corp.

50 finances Five important financial questions for this economy 60 finances Are you at risk if interest rates rise?

78 finances Building your best financial future at every age 102 trendspotting Colour punch

by Elisa Krovblit

108 smart shopper

Exclusive discounts and deals for our readers 111 r esource section Mortgage Calculator and Rate Table

in the news

16 bmo 32 42 46 48 80 88

Go fixed, go five and become mortgage-free faster: BMO cibc Canadian economic growth to improve in 2013: CIBC enerquality announces 2012 Awards of Excellence Winners bmo economics Housing affordability not a barrier to typical buyers modular home additions Adding space and value the modular way acorn homes set to open the doors at Oak Knoll in Richmond Hill impressions Impressions in the Village of Kleinburg makes quite an... impression

editor’snote

Buying made easy

Three simple steps to success

S

hopping for a home online is a great way to narrow your search, but there’s nothing like visiting the sites, models and sales offices to get down to the nitty-gritty. Before you venture out, here are some pointers: First, be clear about what you want and expect in a new home and in your builder.

Remember, the range of prices in the new-home market generally reflects differences in location, features and home styles. There’s no magic involved.

If a builder’s pricing seems out of whack with others in the area, ask for an explanation. Higher prices could mean better quality materials, finishings, features and service. Make sure that the price you are paying will deliver the quality you want.

Second, understand exactly what is included with the home you are buying and what is optional. Ask the sales representative to show you samples, and request a “spec” sheet that clearly lists what is included, as well as any upgrade options.

Third, evaluate any promises that have been made during your visit.

Is the builder prepared to put them in writing? Hearsay comments should not be included as part of your evaluation process. Sit down with your sales representative, ask questions and discuss your Agreement of Purchase and Sale in detail – then take it to a lawyer before it’s finalized.

Susan Legge Editor-in-chief Wall2Wall Media, Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Like us on Facebook. Search: New Home Guide

Getting a jump on spring

By calendar if not by temperature, this time of year signals change and opportunity

T

he cover date of this issue is March 16 – a few days into Daylight Savings Time and less than a week before the official start of spring – and Mother Nature has already teased us with a sign of warmer things to come.

Indeed, spring is always busy season in the housing market, and this year, despite some recent “cooling” in some areas and housing types, should be no different. Fair weather and still-favourable mortgage rates should point to the sales pace continuing in the coming weeks and months.

Need proof? Take advantage of the nicer weather and get out there and visit some new-home sales centres and model homes. A combination of factors – including land availability and affordability – is restricting supply of single-detached homes, in particular, at the moment. You may be surprised at just how quickly new lowrise developments are snapped up by homebuyers.

We’re also betting you’ll be impressed by how new-home builders in the GTA and elsewhere are responding to such challenges, by offering more variety of home options.

Gone are the days when the main choices were simply lowrise and highrise. Today’s buyers want variety – townhomes, semis, singles, freehold and condominium ownership – and developers are delivering in spades.

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

4 New home guide GTA | marCH 16 - 30, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

BRAMPTON

MARKHAM

W !

NE ASE LE RE

NEW RELEASE Semi-Detached and Detached Homes surrounded by valley lands

SEMI DETACHED

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STARTING FROM THE MID

SEMI DETACHED STARTING FROM THE HIGH

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recipient of the ARD BENCHMARK AW ID AV 2012 CUSTOMER TOP 25% FOR TIONWIDE EXPERIENCE NA

A collection of Urban Townhomes and Mid Rise Condominiums coming soon to Oakville

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

My Enclaves – Georgetown A community within nature’s glory Semi Links & 30’ Detached Homes Guelph St. & MacFarlane Dr., Georgetown

A masterplanned, all Townhome community Bathurst St. & Finch Ave., North York Now opeN Starting from the low $300’s 416.730.1600

My Somerset – Ajax Durham’s Model Home of the Year 37’ & 42’ Detached Homes Salem rd. N. & williamson Dr. e., Ajax UNDer CoNSTrUCTioN Starting from $469,990 905.428.0500

My Millstone – Oakville Urban Townhomes Dundas St. w., east of Bronte rd., oakville UNDer CoNSTrUCTioN Starting from the low $300’s 905.825.3619

My Humber Mews – Etobicoke A Townhome enclave in South etobicoke Browns Line & evans Ave., etobicoke CoMiNG SooN register now at menkes.com 416.642.8955

My Dwell – Etobicoke Design forward Townhomes North of Burnhamthorpe rd. off the west Mall, etobicoke CoMiNG SooN register now at menkes.com 416.642.8955

menkes.com

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Starting from the low $400’s 289.891.9103

MY StOrEYS. MY MENkES.

Now previewiNG

mattamyhomes.com

Today Find Your Perfectly Priced New Home Exactly Where You Want To Live.

Enjoy Our Open Designs With Family And Friends BRAMPTON

KITCHENER

Friendly Family Living In The Heart Of Brampton.

Enjoy New Connections & A Wide Variety Of Townhomes And Detached Styles In Our Affordable Mount Pleasant Neighbourhoods.

Live Surrounded By Nature In Mattany’s Brand New Kitchener Community.

Townhomes From $286,990 · Detached Homes From $374,990

Townhomes From $249,990 · Detached Homes From $354,990

Townhomes From $249,990 · Detached Homes From $294,990

H uro

Steeles Ave.

36' WideLot™ Home, Plan 7, Elev. ‘D’, 2,436 Sq.Ft., $496,990

38' WideLot™ Home, Plan 4, Elev. ‘B’, 2,458 Sq.Ft., $490,990

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43' Home, The Buttercup, Elev. ‘C’, 2,338 Sq.Ft., $424,990

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

Whether you are looking to move-up, move-down or to move-out, Mattamy has the perfect home to suit your needs. Today in many of our communities we offer low-rise condos, which means low maintenance for you. As well you’ll find a variety of Townhome designs and Detached Home styles to suit any family size.

Come and discover why over 50,000 families have chosen to live in more than 150 communities across North America.

You’ll find what you want, where you want.

MARKHAM

MILTON

OAKVILLE

THE

PRESERVE OAKVILLE

ON THE PARK

The Preserve Offers A Full Selection Of Village Homes, Rear Lane Townhomes, 34', 38', 45' & 50' Detached Homes.

Townhomes From $397,990 · Detached Homes From $595,990

Village Homes From $282,990

Detached Homes From $609,990

Elev. ‘G’

Townhome, The Barrington, Elev. ‘G’, 1,306 Sq.Ft., $407,990

To QEW

Hwy 40 3

Sales/Design Centre

4th Line

3rd Line

Derry Rd. E

Bronte

Trafalgar

Hwy 5 Winston Churchill

Sales Office

HWY 407

Trudeau Dr.

Sales Centre

4th Line

9th Line

HWY 7

Markham Rd.

16th Ave.

James Snow Parkway

New Release Of New Village Home Designs Now Available In Hawthorne Village.

Cornell Centre Blvd.

Higher Standards Come Standard In Our Final Release Of Townhomes & 36' Detached Homes.

QEW

Elev. ‘F’

Village Home, The Netherby, Elev. ‘F’, 1,415 Sq.Ft., $315,990

38' Home, The Lavender, Elev. ‘E’, 2,708 Sq.Ft., $731,990

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

vice-president, wall2wall Media

Jacqueline Hill

New home guide

Sales Manager New Home guide GTA, new condo guide, home décor & renovations

contributors

Conni Robinson

associate publisher, NEW home & condo guide SWO, lifestyle communities

Susan Maxwell

editor-in-chief, National real estate

Susan Legge Editor

Wayne Karl art director

Daiana Garay contributing Editors

Janine Druery, Sara Duck, Elisa Krovblit, Lydia McNutt (on leave) 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)

Taxing Issues

Henry Choo Chong, CGA

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

Legally Speaking

Jayson Schwarz, Schwarz Law Barristers and Solicitors

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

senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive

Dionne Fraser dionne.fraser@wall2wallmedia.com Sales & marketing co-ordinator

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Dhaval Naik Sandra Hanak-Vujnovic National Account Manager, Mediative

Paul Slizys

Published by

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

mortgage finesse

Calum Ross Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre.

He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an Accredited Mortgage Professional. He can be reached at 416.410.9905

quick tips

Hellen Buttigieg Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, weorganizeu.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@weorganizeu. com

10 New home guide GTA | marCH 16 - 30, 2013

industry outlook

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867

Hugh Heron

Heathwood Homes

Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

Advertising Call 416.626.4200 for ­advertising rates and information.

Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices.

Circulation

Copyright 2013 All rights reserved by New Home Guide,

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

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 Susan.Legge@wall2wallmedia.com.

Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada.

Established in 1990, this program was started with Scouts Canada to help replenish the environment.

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM LE

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Semis and Detached homes on 30’, 36’ and 40’ lots.

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905-472-7667

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593,990

905-201-7700

from

$

1,089,990

905-417-1203

madisonhomes.ca Hours: Mon-Thurs. 1-8pm, Fridays by appointment, Sat., Sun. & Hol. 11am-6pm. *Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

11

12 New home guide GTA | marCH 16 - 30, 2013

marCH 16 - 30, 2013 | New home guide GTA 13

bildreport

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).

Every year, the National Home Show features a Dream Home that visitors can walk through and explore, right inside the Direct Energy Centre. This year’s presentation invites you to check out the unique world of modular building with a 2,000-sq.-ft., three-bedroom, three-bathroom Dream Home, complete with Dream Garage – all built in a climate-controlled, state-of-the-art indoor facility!

Those of you looking to renovate your home or condo this year will be pleased to know that our Destination Renovation booth is back for another successful year. As always, we set up more than 70 display boards of beforeand after photos of recent renovations and custom homes of all types and budgets so you can get inspired about your upcoming project.

Destination Renovation is BILD’s feature presentation at the National Home Show and invites homeowners to drop by our booth and learn about the national RenoMark program, as well as get free renovation advice from one of our professional RenoMark contractors! Every year we

by Bryan Tuckey have some really keen people that come down to the booth with drawings or photos and they always walk away with The National Home Show is upon us, and great information from our professional renovators. Just with Canada Blooms once again co-locating to create head over to Booth 1916 and look for the rotating BILD North America’s largest home and garden event, you can and RenoMark sign – you can’t miss it! be sure to expect another spectacular display of innovative We’ll also have a contact list of the GTA’s RenoMark products and new ideas! renovators available at the booth, as well as the RenoGuMore than 200,000 attend the National Home Show ide – a handy booklet that outlines the five steps to a each year, and there’s good reason why. The show boasts successful home renovation. The RenoGuide is a great more than 700 exhibitors, as well as a number of celeb- tool for anyone considering a renovation and includes a rity speakers and designers on hand to help you with your copy BILD’s renovation-specific Code of Conduct so you latest renovation or home improvement project, whether know what to expect when hiring a professional contracit’s indoor, outdoor, custom home or condo renovation. tor. You can learn even more by visiting the official home This year’s celebrity guests include HGTV’s Bryan of the national RenoMark program at renomark.ca Baeumler and Paul Lafrance, as well as designers like Two incredible shows and a free renovator consultation, Glen Peloso, Jim Caruk, Jackie Glass, Evelyn Eshun, Erica all included in the price of your ticket! It may just be the Gelman and Vicky Sanderson! best deal in town!

Excitement surrounds

the National Home Show

14 New home guide GTA | marCH 16 - 30, 2013

15

inthenews

Go fixed, go five and become

mortgage-free faster: BMO BMO is lowering the rate on

its five-year, fixed low-rate mortgage to 2.99 per cent from 3.09 per cent, effective immediately.

“In 2010, BMO introduced Canadians to a five-year fixed rate mortgage with a maximum amortization of 25 years and a very attractive interest rate,” says Ernie Johannson, senior vice-president, personal banking, Canada, BMO Financial Group. “Since the launch of BMO’s fixed low-rate mortgage, Canadians will have saved more than $200 million collectively by the time their mortgages are paid off.

16 New home guide GTA | marCH 16 - 30, 2013

“Today, we are once again making this mortgage, which is perfect for Canadians who want certainty of payment and protection against the risk of rising rates, available at 2.99 per cent. Our message to Canadians is simple: go fixed, go five, lock-in now at a terrific rate and become mortgage-free faster with a shorter 25-year amortization.”

“Given that the most likely trend in interest rates is upward and that longer-term interest rates are likely to move first, we believe that locking in for five years is the superior choice,” adds Doug Porter, chief economist, BMO Capital Markets. “Longer-term rates, such as five-year mortgages, can start moving higher well in advance of any action by the Bank of Canada. Current five-year interest rates remain exceptionally low. A five-year term gives borrowers ample protection against the possibility of rates returning to more typical levels in the next few years.”

Johannson adds, “BMO’s efforts to encourage Canadians to pay down debt and build equity in their homes have been aligned with Minister Flaherty’s timely and prudent actions to encourage moderation in the housing market.”

“Canadians have 90 days to get pre-approved while they search for the right house that fits within their budget,” she says.

47

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17

taxingissues

Henry Choo Chong, CGA provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5220.

Any questions to Taxing Issues should be e-mailed to choochonghcga@yahoo.ca

Valuable tax tips for first-time buyers

›› Negotiate with several financial institutions for the best interest rate, terms and conditions. You may be surprised how competitive banks are for your business. Shopping for a mortgage can be as easy as a few clicks on your mouse. ›› Create a formal plan to achieve

by Henry Choo Chong your goals, using three easy steps: discipline, discipline and more discipline.

We have been saving for a down ›› C heck your credit rating, and improve and maintain it. A one-day late payment on a home. We have about payment is still considered late, and it could affect your mortgage five per cent and $3,000 for closing costs. negotiating power.

Is this a good time to buy? ›› Manage your monthly mortgage payments. First-time buyers should Mo and Neeta, Toronto make sure monthly payments are manageable and will continue to be even if interest rates rise.

A home used as your primary resi- ›› P ut down as large of a down payment as possible to avoid taking out a dence is a great investment. The high-ratio mortgage that incurs additional costs and interest. A fivesale of a family’s principal resident is tax per-cent down payment on a home leaves little equity. Consider waiting exempt, meaning you’ll pay no tax on the a few more months or buy with closing dates in several months. next 40 years of appreciative value on your ›› Set aside an additional two to three per cent of the purchase price for home. No tax! That alone says it all. And closing costs, such as land transfer taxes, legal fees and disbursements, paying your mortgage is a way of forced moving costs and other incidentals. With only $3,000, you may be savings. Owning your home, if nothing else, left short on closing. Speak to a real estate lawyer to get an idea of builds equity. what to expect.

We all have to live somewhere. It makes ›› If buying a new condo, check if Harmonized Sales Tax (HST) is infar more economic sense to make monthly cluded in price. What is included and who gets the HST rebate? Repayments that fatten your pockets, rather member, all new homes must charge 13 per cent HST. There is no than a landlord’s.

HST on resale homes. ›› U nder the Home Buyers’ Plan (HBP), you can use your RRSP as part First-time buyers should of the down payment. An individual and their spouse, provided they consider the following: qualify, may withdraw up to $25,000 each, tax-free, from their RRSP. ›› Determine what you can afford and stick You will have 15 years to repay the amounts to your RRSP, starting to that price. after the second year of your withdrawal.

Q.

A.

18 New home guide GTA | marCH 16 - 30, 2013

someone like

YOU...

Someone who appreciates grace and elegance; style and function. Someone who believes that rooms should welcome and finishes should be fabulous. That’s why you will always be the blueprint for every home we build.

Coming Soon!

BraMpToN Claireville by National - Affordable Townhomes up to 2,200 sq. ft. at Gore Rd. and Hwy 7 near Claireville Conservation.

ToWNhoMES froM ThE MId $300’S*

Bradford The forest by National - 36’- 40’ detached homes up to 3,400 sq. ft. with 2-car garages and backing onto a forest.**

aLSo CoMING SooN To NEWMarKET now open!

MarKhaM Wismer Woods – One final luxe design over 2,000 sq. ft.

dETaChEd hoME for $654,990* ToroNTo

The Churchill Collection in forest hill - At Spadina & St. Clair with views of Winston Churchill Park and the city skyline.

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Visit ChurchillCollection.ca or call 416-922-1414

register Today or for more information 416.746.1234 • nationalhomes.com * Prices and specifications subject to change without notice. E.&O.E. ** Limited lots available.

marCH 16 - 30, 2013 | New home guide GTA 19

20 New home guide GTA | marCH 16 - 30, 2013

Markham

NEW RELEASE Tour our

8

Professio ally decoratn ed models

DON’T MISS OUT! Discover why over 900 families have made Cornell Rouge their new-home community of choice.

400's

$

from the mid

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Cornell Cen tre Blvd.

Freehold Townhomes featuring

2 master bedrooms - each with a Semi-Ensuite

Semis and Singles on 30’, 36’ & 40’ lots with attached garages

500's

$

from the low

From 2,004 Sq.ft.

905-472-9556

Sales office located at the S/E corner of Cornell Centre Boulevard and 16th Ave.

Open Monday to Thursday from 1 to 8 p.m.; Friday by appointment only; Weekends and Holidays from 11 a.m. to 6 p.m.

Renderings are artist’s concept.* Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

21

GREAT DESIGNS make GREAT NEW HOMES! UNEXCAVATED FOR OPT. COVERED PORCH

UNEXCAVATED FOR OPT. COVERED PORCH

UNFINISHED BASEMENT UNFINISHED BASEMENT

LOCATION & ORIENTATION OF F & HWT MAY VARY

UP

UP

LOW HEADROOM

UNEXCAVATED

UNFINISHED BASEMENT UNEXCAVATED

LOW HEADROOM

F

LOCATION & ORIENTATION OF F & HWT MAY VARY

3 PC. ROUGH-IN BATH

LOW HEADROOM

H

F

3 PC. ROUGH-IN BATH

LOW HEADROOM

UNFINISHED BASEMENT

H

OPT. UPPERS OPT. BUILT-INS

STORAGE AREA 6'0" X 6'7" DOOR WHERE GRADE PERMITS (MAX. 3 RISERS)

UNEXCAVATED UNEXCAVATED

BASEMENT FLOOR FOR ALT. STORAGE AREA BASEMENT FLOOR ELEV. 'A' & 'B' FOR ALT. STORAGE FLOOR AREA: 0 S.F. AREA ELEV. 'A' & 'B' FLOOR AREA:

UNEXCAVATED (REMOVE TOP SOIL ONLY)

LOW UNEXCAVATED HEADROOM (REMOVE TOP SOIL ONLY) (IF REQ'D)

0 S.F.

LOW HEADROOM

ALT. STORAGE AREA A S

(IF REQ'D)

OPT. COLD CELLAR

UNEXCAVATED

BASEMENT FLOOR ELEV. 'A' & 'B' FLOOR AREA: 0 S.F. BASEMENT FLOOR ELEV. 'A' & 'B' FLOOR AREA:

OPT. COLD CELLAR

UNEXCAVATED

0 S.F.

CP 4210 CP 4210 7/9/11 7/9/11

BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER

22

Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artist’s concept.

The ENERGY STAR ® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.&O.E.

Stouffville’s Master Planned Ravine Community Come home to the quality and value of Geranium Homes — BILD’s 2012 Home Builder of the Year.

Our fabulous Bryon Patton inspired models showcase all the features and finishes you’re looking for.

OPT. COVERED PORCH 20'0" X 8'0" OPT. COVERED PORCH 20'0" X 8'0"

DOOR WHERE GRADE PERMITS (MAX. 3 RISERS)

NICHE

NICHE

HALF WALL

W.I.C.

ENS. 4 HALF WALL

RAILING

ENSUITE 2/3

RAILING SHOWER

W.I.C.

RAILING

(STEPS IF REQ'D)

T

D

BEDROOM 3 T 12'6" X 13'4"(1 2'0") W

D

COVERED PORCH COVERED PORCH

GROUND FLOOR ELEV. 'A'

FLOOR AREA: DEDUCT O.T.B.: TOTAL:

1392 S.F. 0 S.F. 1392 S.F.

GROUND FLOOR ELEV. 'B' FLOOR AREA: DEDUCT O.T.B.: TOTAL:

1392 S.F. 0 S.F. 1392 S.F. FLOOR AREA: DEDUCT O.T.B.: TOTAL:

GROUND FLOOR ELEV. 'B' 1392 S.F. 0 S.F. 1392 S.F.

COVEREDStouffville Rd PORCH

905-640-9999 geraniumhomes.com

W.I.C.

Mon – Thurs 1:00pm - 7:00pm; Sat, W.I.C.

ENS. 4

Sun & Holidays 11:00am – 5:00pm

Main St BEDROOM 4 13'6" X 11'4" (10'0")

T

W BEDROOM 4 13'6" X 11'4" (10'0") D

BEDROOM 3 12'6" X 12'0"

T 9'6" RAISED CEILING W

D

OPT. UPPERS

574,900 COVERED PORCH

SALES CENTR E & MOD ELS ENS. 4

Ninth Line

$

t Millard S Bakerhill Blvd

Luxury Singles on 38’ & 42’ Lots FOYER (SUNKEN IF REQ’D) GARAGE sq. ft. from Up to18'0" 3,377 X 20'0"

Hwy #48

(SUNKEN IF REQ’D)

1658 S.F. 11 S.F. 1647 S.F.

LAUNDRY

404

FOYER

GARAGE 18'0" X 20'0"

BEDROOM 3 12'6" X 13'4"(12'0")

Model 4210 — 3,042 sq. ft.

SECOND FLOOR ELEV. 'A' 4FLOOR bedrooms with media loft AREA: 1658 S.F. DEDUCT O.T.B.: 11 S.F. SECOND FLOOR ELEV. 'A' TOTAL: 1647 S.F.

OPT. UPPERS

1392 S.F. 0 S.F. 1392 S.F. FLOOR AREA: DEDUCT O.T.B.: TOTAL:

LAUNDRY

GROUND FLOOR ELEV. 'A'

OPT. UPPERS

BEDROOMW 4 13'6" X 10'0" (11'1")

FOYER

(SUNKEN IF REQ’D)

LAUNDRY

BEDROOM 4 13'6" X 10'0" (11'1")

FOYER

GARAGE (SUNKEN IF REQ’D) 18'0" X 20'0"

OPT. UPPERS

GARAGE 18'0" X 20'0"

FLOOR AREA: DEDUCT O.T.B.: TOTAL:

ENSUITE 2/3

DN

ENS. 4

NICHE

(STEPS IF REQ'D)

HALF WALL

OPEN TO BELOW

HALF WALL

DN

SHOWER

DN

BEDROOM 2 12'0" X 11'0"

MEDIA LOFT 10'4" X 10'6"

RAILING

HALF WALL

HALF WALL

MEDIA LOFT 10'4" X 10'6"

OPEN TO BELOW

HALF WALL

HALF WALL

OPEN TO ABOVE

BEDROOM 2 12'0" X 11'0"

LINEN

WHERE GRADE PERMITS (MAX. 3 RISERS)

ALT. STORAGE AREA

W.I.C.

UP

SUNKEN DN ROOM MUD

MASTER BEDROOM 18'0" X 13'0"

LINEN

LAUNDRY

DOOR WHERE GRADE PERMITS (MAX. 3 RISERS)

OPT. WAFFLE CEILING

9' TRAY CEILING

MASTER BEDROOM 18'0" X 13'0"

W.I.C.

LIVING/DINING ROOM 12'6" X 18'0" LIVING/DINING ROOM 12'6" X 18'0" OPEN TO ABOVE

DN

OFFICE/DEN 10'0" X 9'0"

OVAL TUB

OPT. DOUBLE SINKS

COFFERED CEILING

NICHE

STORAGE AREA 6'0" X 6'7"

OPEN TO ABOVE

OPEN TO ABOVE OPT. UPPERS OPT. BUILT-INS

FRENCH DOOR

UP

S

F

COFFERED CEILING

9' TRAY CEILING

MASTER ENSUITE

OPT. DOUBLE SINKS

KITCHEN 8'6" X 13'6"

F

A second FRENCH DOOR floor media OFFICE/DEN loft is 10'0" theX 9'0" perfect place OPT. WAFFLE CEILING for movie SUNKEN night or MUD ROOM catching the DN big game!

DOOR

GLASS SHOWER

OPT. 2-SIDED GAS FIREPLACE

BREAKFAST KITCH10'0" EN X 13'6" 8'6" X 13'6"

OVAL TUB

MASTER ENSUITE

EXT. BRK. BAR

S

ISLAND

ISLAND

BREAKFAST 10'0" X 13'6" GREAT ROOM 13'0" X 17'4"

GLASS SHOWER

DW

SEAT OPT. 2-SIDED GAS FIREPLACE

FRENCH DOOR

SEAT

DW

EXT. BRK. BAR

GREAT ROOM 13'0" X 17'4"

D.V. GAS F/P

D.V. GAS F/P

FRENCH DOOR

BEDROOM 3 12'6" X 12'0"

9'6" RAISED CEILING

BA L L A N T R A E • S TO U F F V I L L E • P O RT H O P E • WO O D S TO C K FLAT ROOF marCH 16 -RAILING 30, 2013 | New home guide GTA 23 FLAT ROOF RAILING

communityfocus

FIELDGATE HOMES - Multi-site Spring is in full swing at Fieldgate’s many fine communities

S

pring has finally arrived in the GTA, and there’s never been a better time to discover Fieldgate Homes’ many impressive new home communities. As the birds make their return journeys north and the flowers begin to bloom, homebuyers are coming out to discover the full spectrum of stunning family homes that Fieldgate is proud to offer. With more than 55 years of home building experience and a steadfast commitment to quality construction and customer care, it’s no wonder that so many GTA homebuyers are excited about what’s happening at Fieldgate Homes.

Valleylands on the Credit River and Valleylands on Chinguacousy — South Brampton Located near the Mississauga border, Valleylands is a place that offers the perfect balance of nature in a new home community. The new release of semi-detached homes that start from $385,990 has received a great response. Also available are a great selection of towns, 28- and 30-ft. linked singles starting from $385,990 and 38-, 41-, 45-, 50, 60- and 70-ft. singles from $529,990.

24 New home guide GTA | marCH 16 - 30, 2013

Impressions — Kleinburg All across the GTA, excited homebuyers are talking about Impressions. Interest in this community has been strong since it opened recently, and Impressions is now the bestselling new-home community anywhere in the GTA. With more than 600 homes available in the first release from the three builders, there’s still a great selection to choose from, so you’re sure to find the perfect home for you. Featuring a great selection of freehold townhomes and semi-detached homes, singles attached by the garage, as well as 30-, 38- and 44- singles, Impressions offers master-planned community living and a highly desirable Kleinburg location.

Potter’s Bend — Markham There’s an Inventory Sales Event underway at Potter’s Bend, located on 16th Ave., just east of McCowan Rd. Choose from a great selection of 30-ft. singles attached by garage and save up to $15,000. Inventory homes start from as low as $579,990.

And with spring closings now available, you can move in the spring at this prestigious Markham community. Other new homes are available from $559,990.

marCH 16 - 30, 2013 | New home guide GTA 25

fieldgate homes

Multi-site

Vaughan Valley Estates — Woodbridge A new release is now open at Woodbridge’s Vaughan Valley Estates. This is an architecturally harmonious community, offering an incredible array of new home designs that exude refined elegance and sophistication and a multitude of shopping options nearby. With 41-ft. singles starting from $829,990 and 50-ft. singles from $974,990, all with fantastic standard finishes, it’s easy to discover a life of rare beauty at Vaughan Valley Estates.

Blue Sky — Stouffville There’s never been a better time to own at Blue Sky, with an Inventory Sales Event on now. A great selection of towns, 40- and 50-ft. homes are currently available for end of summer occupancy, starting from $439,990. At Blue Sky, homebuyers discover that it’s possible to have tranquil hometown ambience just 30 minutes from downtown Toronto. In addition to the current inventory of breathtaking homes, homebuyers can register at fieldgatehomes. com for a new release this spring.

The Humberlands - Richmond Hill For those looking to move-in soon in Richmond Hill, there’s also an exciting March Inventory Sales Event at The Humberlands. Choose from a collection of 50-ft. single-detached homes in a one-of-a-kind master-planned community setting, with walking trails and greenspace throughout, from $849,990 with a great bonus package.

Victoria Manor - Markham Located in the prestigious area of Woodbine and Major Mackenzie, Victoria Manor offers luxury detached singles on 40-ft. lots starting from $895,990.

This fantastic location in an established neigbourhood has great highway access and plenty of amenities nearby. Visit the sales centre on 16th Avenue, East of McCowan Road today.

Jefferson Forest - Richmond Hill A new release of freehold townhomes and detached singles is coming soon to Jefferson Forest. This stunning family community is located in an estab26 New home guide GTA | marCH 16 - 30, 2013

lished neighborhood adjacent to the Summit Golf and Country Club and the protected Jefferson Regional Forest, with shopping and restaurants nearby. Register at fieldgatehomes.com to be among the first people to learn of the new release.

Upper Unionville — Markham The next release of new homes will occur in the late spring and everyone is encouraged to register at fieldgatehomes.com. Fieldgate will offer a wonderful selection of townhomes, 25- and 28-ft. semis, as well as 34and 42-ft. singles at this highly anticipated Upper Unionville community.

For more information on any of these remarkable communities, sales centre locations, phone numbers and floor plans, visit fieldgatehomes.com or follow us on Facebook or Twitter. location Brampton, Kleinburg, Markham, Woodbridge, Stouffville, Richmond Hill sales centre Freehold towns, semis, linked singles, singles, luxury singles contact fieldgatehomes.com

WELCOME TO A P L AC E C A L L E D

HOME S TA R H O M E B U I L D E R

MississAugA - Beautiful homes in an established neighbourhood FREEHOLD TOWNs • sEMIs

Brittannia Rd. West

Ninth Line

Thomas St.

529,900

*

$

from

Eglinton Ave. West

UP TO $10,00 IN FREE UPGRADES* INCLUDES 4 FREE APPLIANCES

Hwy. 403

Highway 410

BRAMPTON - Country living with all the amenities you need at your doorstep 38’ & 47’ SINGLES

Dewside Dr.

519,900

$

from

Winston Churchill Blvd.

5

Tenth Line

YO U R

*

UP TO $10,000 IN FREE UPGRADES*

UP TO $12,500 IN FREE UPGRADES*

Bloomington Rd. Stouffville Rd.

*

/starlanehomes

/starlanehomes

*Limited quantities available to qualified purchasers. Prices & information correct at press time. Maps not to scale. Lots may have premiums. All illustrations reflect artist impression E.O. & E. Ask a sales rep. for details.

Vivian Dr.

Mulock Dr. SALES CENTRE

Veterans Way

Leslie St.

Bayview Ave.

Stonehaven Ave.

St. John’s Sideroad Wellington St. E.

SALES CENtrE HOUrS: Monday - Thursday: 1 pm - 8 pm • Friday: Closed • Saturday, Sunday & Holidays: 11am - 6pm

starlanehomes.com

Highway 50

Reesor Rd.

NEwMARkET - The perfect small town community with big city amenities

UP TO $7,500 IN FREE UPGRADES*

Mantle Ave.

19th Ave.

UP TO $7,500 IN FREE UPGRADES* INCLUDES 4 FREE APPLIANCES FOR THE CAPRI SERIES

41’ sINGLEs • FINAL RELEASE $ 900* from 584,

Gore Rd.

Main St. 10th Line

472 ,900

$

10th Line

Hwy. 407

sTOuFFViLLE - A great location, offering the best value in the GTA 30’ • 36’ • 40’ SINGLES from

SALES CENTRE

Hwy. 7

Highway 404

*

Castlemore Rd. MacVean Dr.

569,900

$

from

Countryside Dr.

Goreway Dr.

BRAMPTON - New Release of lots in a highly desirable neighbourhood 38’, 47’ & 50’ SINGLES

Aurora Rd.

mortgagefinesse

Do you know how

your mortgage provider gets paid?

by CALUM ROSS

In all the mortgages that I

arrange, I find it surprising how few people actually ask me how I get paid. A recent study in the U.S. indicated that less than 10 per cent of people could properly identify how different types of mortgage providers get paid during the transaction. Don’t you want to know whether that person who is so eager to sign you up has a financial advantage to selling a particular product?

You definitely should care – and here is why. Almost every single provider in the mortgage marketplace has a potential financial gain by selling a particular mortgage product and rate. To make matters worse, that financial gain or pat-on-the-back is often gained at the expense of the consumer.

Let’s take a look at your main mortgage providers to see what to watch for: Bank branch manager This friendly and trusted advisor has a sales quota to hit just like everyone else (you did notice that Canadian banks do fairly well financially, right?). Their salary increase,

You definitely should care – and here is why.

Almost every single provider in the mortgage marketplace has a potential financial gain by selling a particular mortgage product and rate

28 New home guide GTA | marCH 16 - 30, 2013

Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an Accredited Mortgage Professional. He can be reached at 416.410.9905.

bonus and promotion depends on results. Typically, bank managers have sales quotas for particular products as well as growth targets on the loan/ investment portfolios. Their targets are often based on the size of their mortgage portfolio as well as the average term of the portfolio. The longer the term and larger the size of the mortgage, the better the Christmas bonus.

Furthermore, these managers are increasingly being graded on the profitability of these portfolios. When you go to your old bank branch and it has moved to a new location, where do you think one of the bank managers went? Which one do you think they kept with the bank? The one with the great discounted loans and mortgage rates, or the one that is making the bank the most money?

Bank mortgage representatives These are typically contract employees of the bank who are usually paid on a straight commission basis. Most only sell one bank’s mortgages, while some sell several. The ones that sell other bank’s products are often only permitted to do so once they have met a quota of their own bank’s products.

These individuals are usually paid based on three criteria: the size of the mortgage, the term of the mortgage and the discount given. That means that these representatives can make more money by putting you in a longer term at a higher rate.

Mortgage consultants/mortgage brokers These people are independent mortgage providers that theoretically work for you and not for one particular bank.

They are paid a finder’s fee (or commission) from the institution that the mortgage is funded with. The problem is that not all banks are paying the same amount for each of the mortgage products. The lenders pay brokers based on the size of the loan and the term selected. The longer the term selected, the bigger the commission to the broker. On top of the different payoffs for the terms, some lenders also pay more for the same product. A broker could make more money funding a five-year term through one lender over another. Typically, there is no advantage to the broker if the consumer gets a higher rate, but there are exceptions to that rule.

So now that you know how it works, who do you trust? When you go mortgage shopping, don’t believe that everyone is out to get you. While the incentive systems are there, many mortgage providers will look out for your best interest. A satisfied past client that refers family, friends and colleagues is worth a lot more than one big commission payout. Do your research, ask for testimonials, or ask your friends. A mortgage is a huge financial decision.

Make sure it is a decision being based on your financial situation, and not your mortgage provider’s bank account.

It’s the feeling Rosehaven designs into some of the most desirable homes in Southern Ontario.

Homes that are as unique as you are. So choose Rosehaven and every time you step through the front door you’ll say I am happy, I am comfortable… I am home!

Chippawa / Niagara - Lyon’s Creek

Brampton - Mount Pleasant

Models under construction!

New 35’ bungalow loft towns & 50’ singles from the low $300’s.

Lyon’s Creek Blvd. & Sodom Rd., east of the QEW

New 20’ towns plus 25’ attached singles from the $380’s. Detached homes on 30’, 38’, and 41’ lots from the $480’s.

On Mississauga Rd., north of Bovaird Rd.

Thorold - Gibson Heights

Kleinburg - Kleinburg Heritage Estates

New release of detached lots! 45’, 40’ & 36’ lots from $300’s, towns, semis & attached singles from the $240’s.

Richmond St. & Winterberry Blvd., south of Hwy. 58

The Platinum Home Collection features Homes of Distinction from $1.3M to over $1.8M KleinburgHeritageEstates.com Hwy 27, north of Nashville Rd.

Ancaster - Tiffany Hill

Nobleton - King Country Estates

Inventory homes available! Luxury stone, stucco & brick detached designs on 45’ lots from the $460’s.

4 models to tour!

Garner Rd. E. & Raymond Rd., east of Hwy. 6

Elegantly appointed detached homes on 56’ & 50’ lots from the $780’s.

Hwy 27 & Park Heights Tr., north of King Rd.

COMING SOON to Stoney Creek - On The Ridge located at Upper Centennial Parkway and Mud St. W, south of the QEW. Register Now at liveontheridge.ca For directions, hours, community information, visit: rosehavenhomes.com • (1-888 / 416) 410-0175 Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg pricing.

29

ONCE-IN-A-LIFETIME SALES

EVENT

* $ RECEIVE UP TO 40,000 IN

DECOR LUXURY UPGRADES!

S A E HLE! S ON DIB P ES CRE R N E I H T EEN B

THE EVENT CONTINUES for a limited time!

VaughanValley.ca

Over 55 years of Excellence

905-303-1929 30 New home guide GTA | marCH 2 - 16, 2013

905-303-4728

TOUR OUR FABULOUS 6 MODEL HOMES

41', 50', 60' & 80'

And think of how much you could do with $40,000 in FREE upgrades. A games room for the kids. A home office. The kitchen you've always dreamed of

SINGLES starting from

This is your last chance to buy at Vaughan Valley Estates and join the over 500 families who have already made this prestigious community their home.

769,990

$

VaughanValley.ca

North of Major MacKenzie Dr. on Weston Rd. SALES CENTRE HOURS: MON. - THURS. 1pm - 8pm.

SAT., SUN. & HOL. 11am - 6pm CLOSED FRIDAYS

MODEL HOMES TOUR HOURS: MON. - THURS. 4pm - 8pm.

SAT., SUN. & HOL. 11am - 6pm CLOSED FRIDAYS

Prices and specifications subject to change without notice. *Available on specific lots only, finishes and dĂŠcor dollar amount vary by model type.

See Sales Representative for more details. E. & O. E. 03-13.

inthenews

Canadian economic

growth to improve in 2013: CIBC W hile Ca na da’ s econom y

limped to a close last year, it is not a sign of worse things to come in 2013, although growth will continue to be lacklustre for some time, according to a new report from CIBC World Markets Inc. “Any time growth slows to a crawl, one has to worry that it wouldn’t take much to push the economy over the edge,” says Avery Shenfeld, chief economist at CIBC. “Based on admittedly slim evidence, there are reasons to believe that Q1 growth will be better.”

He points out that while employment dropped in January, hours worked are up. He also notes that auto sales look like they’ve rebounded – generally a signal of consumer confidence – and that the resolution of energy sector disruptions has resulted in an increase in oil exports to the United States through mid-February.

“So it looks like, in terms of quarterly GDP, Q4 could end up being the storm before the calm, with an improved pace ahead,” says Shenfeld.

However, he warns that challenges domestically and globally will result in only tepid improvement. CIBC’s forecast sees the economy tracking only a 1.7 per cent growth rate in 2013, a pace that will see the unemployment rate drift higher.

32 New home guide GTA | marCH 16 - 30, 2013

Shenfeld believes that the weak close to 2012 and the modest rebound ahead will keep the Bank of Canada from raising rates until third quarter of 2014, two quarters later than previously forecast. The delay in raising rates will also result in the Canadian dollar remaining below parity with the U.S. dollar until the second quarter of 2014.

“Instead of smoothly passing the growth baton from governments and households to business spending and exports, there’s been a fumble,” he says. “Housing has slowed, as has consumer borrowing, and governments face pressures to tighten belts. But businesses aren’t opening their wallets.”

While many had forecast business investment to pick up the slack in the Canadian economy, weak global growth has been holding back capital spending. The report examined the issue of whether Corporate Canada was sitting on an excess pile of cash that it should be spending on new projects.

“There is no real evidence from a macroeconomic perspective that corporations are indeed sitting on excess cash,” say CIBC economists Benjamin Tal and Peter Buchanan. In fact, “corporations are holding cash levels that are consistent with a trend we have seen for more than two decades.”

They note that, in nominal terms, in real terms or as a share of assets, the near $600 billion of cash holdings by non-financial corporations in Canada is at record or near-record highs. However they point out that all the increase in cash since the beginning of the recession can be fully explained by growth in GDP. In real-terms, and as a share of GDP and corporate assets, cash holdings by corporations are now only back to their pre-recession levels.

While businesses have increased the share of assets they hold in cash, their relative cash position has been offset by a decline in other current assets - namely inventories and accounts receivables.

Tal and Buchanan found that the higher level of cash holdings has not come at the expense of capital spending, which at 20 per cent of GDP, is not only more than three points above its long-term average share, it is also near a record high.

TRUE VALUE LIES JUST

NORTH OF THE GTA YOu Can SaVE uPTO $300,000

In COMPaRISOn TO MaRKHaM

SPECTaCulaR DETaCHED HOMES In an InCREDIblE MOunT albERT SETTInG There’s an alternative for those who refuse to over-pay for a new home. an irresistible alternative that you’ll find at Victoria Highlands in Mount albert.

Discover the best new home value north of the GTa. Where you can get a spectacular new bungalow or 2-storey homes up to $300,000 less than Markham.

• 33’, 40’, 50’ and 65’ lots • Two and Three Car Garages • luxury Features Throughout • Just 10 Minutes from Stouffville

victoriahighlands.com 416-924-0110

Sales Office Hours:

Mon. - Thurs. 1 -8 pm, Fri. by appointment, Weekends and Holidays 11 am - 6 pm

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

Homes from the Mid

400’s

$

700,000

to over $

up to 4,200 sq.ft.

MOunT albERT

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

Search your favourite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

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

Powered by

34 New home guide GTA | marCH 16 - 30, 2013

Strawberry Fields is making a splash in The Village of SouthFields.

New Name. New Designs. Same Great Community TOWNS – SEMIS – SINGLES

Rediscover The Village of SouthFields, with spacious townhomes, semi-detached and detached homes ranging from 1,490 sq. ft. to 3,971* sq ft. Tour the 9 designer decorated Model Homes. Come home to a place where residents can revel in the scenic beauty and peaceful ambiance of a tranquil community, intermixed with charming accommodations, new public school, parkland and recreation. Many already call The Village of SouthFields home. Here’s your chance to call them neighbours.

Mayfield Rd.

Dixie Rd.

Hear t Lake Rd.

PRESENTATION CENTRE

Hwy. 410

N

Hurontario St./ Hwy. 10

Old School Rd.

Kennedy Rd.

Monarch and Coscorp are excited to introduce the next phase of the masterplanned community in the heart of Caledon. Strawberry Fields has now flourished into The Village of SouthFields, offering all the vibrancy and charm you would expect from an established community, with a new, more all-embracing name, these distinctive home designs enhance the natural beauty that Caledon offers.

Presentation Centre: 12515 Kennedy Road, Waterville Way, Caledon, ON Telephone 905.843.8989 Mon. – Thurs. 1pm – 8pm, Fri. 12pm – 5pm, Weekends & Holidays 11am – 6pm

NOW OPEN Register at TheVillageOfSouthFields.ca Dimensions and specifications are approximate and subject to change without notice. Size, shape, grading and location of dwelli ng shown are for conceptual purposes only. Renderings are artist’s concept and images are for mood and impression only. E.&O.E. March 2013. 20748.

36 New home guide GTA | marCH 16 - 30, 2013

blossom at credit heights

H E I G H T S

commons

legallyspeaking

The importance of the

Pre-Closing Inspection

by Jayson Schwarz

Jayson Schwarz LL.M. is a Toronto real estate lawyer and senior partner in the law firm Schwarz Law LLP. If you have a topic in mind, mail, deliver or fax letters to the magazine or to the firm, email (info@schwarzlaw.ca) and give us your questions, concerns, critiques and quandaries.

08 Look for water stains or spots on concrete basement floors or walls, and if you see them insist on knowing why and where they came from; 09 Don’t forget the exterior – roof, drains, bricks, mouldings. Is there sod, is the grading complete and is your driveway in? Write it all down!

10 C ondominiums: go check out the In this issue, we are going to address a small but common areas – lobbies, garbage rooms, incredibly important part of the process of buying that new home, the parking areas, lockers, pools, tennis Pre-Closing Inspection. As most of you know, included in the adjustcourts and health clubs. Remember, you ments on the purchase of a new home or condo (but not a conversion or own part of the common area, and if retrofit project) is the cost of your Tarion (formerly the Ontario New parts are incomplete, wrong or defective, Home Warranty Program) enrolment. Among the things you are covered put them on the list! for are defects in the completion of your new home. Most of the Agreements of Purchase and Sale make the deficiency list prepared as part of Remember that this inspection is, in all your final inspection the only basis for repairs, subject to the major items probability, the only chance you have to such as foundation cracks. What does this all mean? deal with deficiencies, so make sure you When it is time to do the Pre-Closing Inspection, know that if you check carefully. Some readers ask about don’t list it, you may not be able to compel the builder to fix it. Therefore, what happens if the builder rushes them it is critical you list everything! Here is a minimum list of what I believe or something happened so they did not get will help you in making sure you are covered: the opportunity to finish. The answer is to immediately do a complete list and send 01 Insist on having enough time to do the inspection and allow yourself it to the builder and to Tarion in order that enough time with no need to be anywhere else; the record is on file.

02 Write everything down yourself... don’t let the builder’s representative There is probably more and I do not take charge; suggest that this list is complete. I hope it 03 Don’t rush! Don’t let the builder’s representative push you, insist at helps in making you realize how important moving at you own speed; it is to do a thorough job on the Pre-Clos04 Write or mark down everything, no matter how small or seemingly ing Inspection. insignificant; Perhaps the most difficult part of writing 05 Don’t accept promises of repair during inspection – if something is these articles relates not to the actual not right, mark it down; writing, but thinking of a topic to address.

06 Try every light, socket, tap, drain, toilet, door, lock, window, appliance, Visit schwarzlaw.ca or email your questions, everything that could be defective now or go wrong later; concerns, critiques and quandaries to info@ 07 Watch for stains on carpet, scratches on wood floors, cracks in paint schwarzlaw.ca. I will try to deal with them or drywall and areas where they forgot a second coat of paint; in print or electronic form.

38 New home guide GTA | marCH 16 - 30, 2013

BUYING, SELLING OR REFINANCING A HOME?

YOU NEED A LAWYER Quality legal services at the right price*

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Jayson Schwarz

Helping YOU make your home buying dream a reality

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849

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BRAMPTON

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office

office

905.455.5777 416.486.2040 Toll Free: 1.888.609.8888

Fax 905.452.8135

Toll Free: 1.888.609.8888

Fax 416.486.3325

www.schwarzlaw.ca

*Certain Terms and Conditions shall apply. Full disbursement disclosure. marCH 16 - 30, 2013 | New home guide GTA 39

industryoutlook

A ‘how-to’ for

new-home shopping

by Hugh Heron

Hugh Heron is Principal and Partner in the Heron Group of Companies and President of Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage and Housing Corp., and a Past President of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

shop, where the kids will go to school and where the closest medical facilities are. In addition, consider buying in an emerging area, where prices are lower than established neighbourhoods. As well as being more affordable, as the areas build up, the homes increase in value.

Purchase from a reputable builder. Read builder stories on their websites and in their sales offices.

Check with Tarion Warranty Corp. (tarion.com) as to their new home warranty track record. I also advise knocking on doors in completed communities to find out how happy residents are with their homes.

Now you’re ready to look at homes in your chosen area. Check out who is offering what, and when you compare, be fair. Two homes of similar size may be priced differently, because one builder offers a higher If you are currently in the market for a level of standard features than the other. One might have new home in the Greater Toronto Area, congratulations! a walkout basement to a ravine. If there are model homes You are shopping at a time when mortgage rates are still to tour, take advantage of it. Walk through them to get a unbelievably low, and when homes are being built to higher first-hand feel for the look and quality of a builder’s designs. construction standards than ever before. Designs have This is a huge help to those who find it challenging to come a long way since I started in the industry in 1967, envision a layout from a floorplan. If there are abbreviaand there’s something out there to accommodate the tions on the floorplans you don’t understand, ask a sales lifestyle needs of every individual and family. representative. For example, w/d stands for washer/dryer Seasoned purchasers know how to zero in on the mu- and LIN is linen closet. nicipality, community and home that fits their specific Anyone who has purchased a home before will needs. If you are new to home-shopping, you may feel a bit tell you that the best closing day is one with no overwhelmed. Here are a few tips that can help. surprises. To make that happen, take your Agreement of

Purchase and Sale to a lawyer who knows real estate and Get pre-approved for a mortgage so you know make sure you know exactly what costs you are expected what price range you can afford. Financial insti- to cover and when. Ask questions. Know what will be tutions have mortgage specialists who can discuss your expected of you financially on that day. specific needs. Once you have this information, you’re Visit Canada Mortgage and Housing Corp.’s ready to go. As you shop, ask about any financial programs website (cmhc‑schl.gc.ca/en/co/buho/index.cfm) builders may offer to help with affordability, such as and download the helpful guide called “Homebuying Step capped mortgage rates. It all helps.

by Step.” In this publication, you will find a wealth of Shop where you’d like to live. Location is usually advice, a glossary of terms and worksheets for you to use at the top of the list when it comes to selecting during your search. a new home. Consider your work commute, and also think

about travel time to the various clubs and organizations Being educated and well prepared for new home shopping you belong to, and the distance to your family and friends. will make it fun. Buying a home is one of the best investMunicipalities have all sorts of information available on ments you can make in your future. Make your first choice the amenities they offer, so check as to where you will a great one!

03

04

05

01

06

02

40 New home guide GTA | marCH 16 - 30, 2013

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inthenews

EnerQuality announces

2012 Awards of Excellence winners The Minto Group recently netted two prestige

awards from the 2012 EnerQuality Awards of Excellence program. The Ottawa and Toronto-based firm was named 2012 Leader of the Year recognizing its outstanding leadership in building high-performance, sustainable new housing. The company was also honoured as the 2012 Ontario Green Builder of the Year, a coveted award sponsored by the Ontario Home Builders’ Association (OHBA) that recognizes one outstanding home builder for its leadership in improving the environmental, energy efficiency, and overall technical image of the industry.

With many innovative firsts, Minto seeks ways to lower the environmental impact of its land development, construction and building operations while fostering green cultural changes with their customers and residents through social media and Green committees. Employees are also engaged through Minto’s Green Champion program and its internal Green website. Minto has won this award four times in the past five years (2012, 2011, 2010 and 2008.)

Empire Communities was honoured with the Building Innovation and Excellence award, which recognizes a builder that has demonstrated a high level of technical excellence in the implementation of innovative and high performance building practices.

Two firms were presented with EnerQuality’s Energy Star for New Homes Builder of the Year awards: Eastforest Homes (large volume builder) and Doug Tarry Homes (small volume builder).

Both companies were recognized for their corporate commitment to energy efficiency by integrating labeling of their homes under the Energy Star for New Homes program and successfully leveraging the program to support their corporate image as a leading edge builder. In addition, EnerQuality’s Energy Star for New Homes Champion of the Year was awarded to Gary Botelho, to recognize his initiative, strong support and promotion of the Energy Star for New Homes program. This is the second consecutive year Gary has been awarded this honour.

The award for EnerQuality’s R-2000 Builder of the Year, which 42 New home guide GTA | marCH 16 - 30, 2013

recognizes best-in-class energy efficient new home construction under NRCan’s National R-2000 program, was presented to Steve Snider Construction.

Commitment, leadership, advocacy and innovation were all recognized in award categories that included Industry Partner of the Year, which went to Owens Corning Canada; and Evaluator of the Year, presented to John Harris. The Hall of Fame Award honoured Stephen Dupuis, former President and CEO of the Building Industry and Land Development Association (BILD) who died unexpectedly in 2011.

Stephen was a consummate professional and worked tirelessly on behalf of the residential construction industry and BILD. A prolific and effective communicator, Stephen was dedicated to ensuring Ontarians continue to be among the besthoused people in the world and as such he was a strong supporter of EnerQuality and encouraged BILD members to embrace sustainable and energy efficient building.

“All 2012 winners represent some of the remarkable leaders and innovators in our industry who are committed to ensuring Ontario moves forward and leads the way in energy efficient, environmentallyfriendly building,” says EnerQuality President Corey McBurney.

Your Life. Your Style. Your Home. experience the vanDYK difference, and discover why more people are choosing a vanDYK community as the place they call home!

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10minuteswith...

10 MINUTES WITH…

Cheryl Shindruk executive vice-president of Geranium Corp.

Executive Vice-President of Manitoba.” A chance meeting at a planning Geranium Corp., Cheryl Shindruk, joined conference led to an invitation to travel Geranium in 2003, excited by the entre- east and she followed her heart, and her preneurial spirit of a progressive develop- now husband, to Toronto. ment and home building company. “I grew Geranium, based in Markham, has up in a family business which operated both a land development and a home buildseven days a week. I feel this introduction ing division, which provides the company to employment prepared me well to work a greater control over the design of a new with an owner- operated company like neighbourhood or community plan. ShinGeranium,” Shindruk says. druk believes the process enables her team With a master’s degree in city planning, to ensure they are planning for and buildshe combined her education with early ing homes that the community wants. work experience in the public sector and “The scope and nature of the land dethen as a consultant involved in planning policy, land use and develop- velopments now within Geranium Corpoment approvals work. ration’s portfolio, means that Geranium “Communities are organic entities that evolve and change over time. Homes – our home building division – has To have the chance to be part of the process to create memorable, excit- a good supply of land to build on. In essence, ing, attractive communities was a fascinating opportunity to me,” says we control the ‘manufacturing’ process Shindruk, who chose her planning profession because of the opportu- from start to finish. It also means that we nity to be involved in community building. She adds, “Everything you have a big responsibility.” see on the ground has been the function of an extensive process which Shindruk reflects on the company’s past has been many years in the making. When you think about it, what we accomplishments. “Navigating a stringent do is pretty fundamental and forms the foundation on which lives are and highly complex planning process, we lived. That’s exciting!” have achieved approvals for Friday Harbour The eldest of five, Shindruk was born and raised in the prairies. In on Lake Simcoe. Also in Simcoe County, 1994, she planned to leave Winnipeg to discover “the world outside the Bond Head Secondary Plan and Hwy. 44 New home guide GTA | marCH 16 - 30, 2013

snapshot NAME OF DEVELOPER

Geranium Corp.

COMPANY TRACK RECORD

400 Employment Lands Secondary Plan in Bradford West Gwillimbury, and a major secondary plan for Midhurst. Our residential and commercial developments in Stouffville have been very successful, attracting major businesses and over 600 families to date.”

Geranium’s philosophy promotes the importance of contributing to the social fabric and well-being of the broader community as a component of its land planning. “Wherever we work, Geranium contributes to initiatives and causes that are important to that particular community,” says Shindruk. These include the United Way of York Region and of Greater Simcoe County; food banks; shelters; hospitals; and arts and cultural organizations.

The company is proud of the community building it does. “We’ve won awards for that work and take comfort in knowing that our efforts also generate economic activity that provides jobs and prosperity for communities,” Shindruk says. “But helping community organizations gives us the opportunity to contribute towards the enrichment the social fabric of the community, the glue that holds us all together.”

Geranium not only contributes to the communities where it owns property, it also believes in having a voice at the industry level. Shindruk has served for five years as Chair of the Building Industry and Land Development (BILD) Association’s Simcoe Chapter and is now also a member of the BILD Board and Executive. “My involvement with BILD enables me to be engaged in debate and discussion about issues affecting the broader land development industry. Through BILD, I have the opportunity to help give the industry a voice and participate in advancing public policy.”

On the horizon, Shindruk is looking forward to seeing the Simcoe developments take shape as construction gets underway. In Stouffville, Geranium’s first mixed use, midrise Main Street development will be launching for sales in late 2013 or early 2014.

For Shindruk, the ultimate satisfaction in her career at Geranium comes from seeing the communities that exist for so long on paper be built and occupied.

“I’d say we are relatively small in number of employees, second to none in expertise and scope of our developments. In terms of corporate culture – extremely professional; built on a foundation of family values – integrity, honesty, hard work – with a focus on quality people and products. With a hint of zany to keep it fun.”

Geranium Corp. is one of only a few, fully integrated land development and building companies in Ontario. Its expertise encompasses land acquisition, planning and process, engineering and servicing. Since becoming established in the mid-1990s the firm has assembled an impressive portfolio of land holdings.

Broad in scope and imagination, the firm’s communities currently under development include a magnificent resort village, golf course and marina at Big Bay Point on Lake Simcoe; new live/ work/play areas in Bradford/Bond Head; communities of several hundred homes in the greater Barrie area; and an extremely successful master-planned ravine community in WhitchurchStouffville.

Established in 1977, Geranium Homes – the company’s housing division – was the 2012 Home Builder of the Year, an honour awarded annually by the Building Industry and Land Development (BILD) Association; and received the Canadian Home Builders Association’s 2011 Grand Sam Award.

CURRENT PROJECTS

The Neighbourhoods of Cardinal Point in Stouffville; Forest Trail Estates in Ballantrae; The Verandas in Port Hope; The Village at Sally Creek in Woodstock.

PAST PROJECTS

Heritage Port Hope; The Neighbourhoods of Cardinal Point, Phase 1, 2, 3 and 4; and completed communities in Aurora, Mississauga, Richmond Hill, Victoria Harbour, Brampton, Bolton, Newmarket, Lindsay, Courtice, Cobourg, Whitby and Cambridge.

For an overview of Geranium Homes’ communities, visit geraniumhomes.com

marCH 16 - 30, 2013 | New home guide GTA 45

inthenews

Housing affordability not a barrier for the

typical buyer in most regions: BMO Economics According to a report from

BMO Economics, affordability is not a major problem for the median-income family seeking to buy a detached home in three-quarters of Canada’s housing market or a condo in Toronto, and should not become one even when rates normalize.

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

However, Guatieri notes that the same cannot be said for Vancouver, Toronto and Victoria.

“A typical family striving to purchase a single-family house in Vancouver would have to spend four-fifths of their income on mortgage payments, which explains why they can only dream of 46 New home guide GTA | marCH 16 - 30, 2013

buying a detached house in Vancouver,” says Guatieri.

“In Toronto, a hefty 43 per cent of median income is required to service a mortgage on an average singlefamily home, up from 40 per cent eight years ago.”

Guatieri adds these cities are vulnerable to a material correction if income or rates move adversely. He also stated that, while affordability may not be a big problem for most of the country, policymakers should remain vigilant. “Elevated valuations, combined with record household debts, could prove troublesome in the event of a recession or interest rate shock.”

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

Sameh Elrefaei, head of mortgage products, BMO Bank of Montreal, cautioned that, while the report gives reason for potential buyers in most regions to be optimistic, Canadians should continue to make responsible home financing decisions.

“Recent data show that the best way to ensure longterm housing affordability is by locking into a longer-term fixed-rate mortgage with the lowest amortization period possible,” says Elrefaei. “For years now, BMO has been proactively promoting the benefits of choosing a shorter amortization and will continue to actively encourage Canadians to do so.”

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For more information, visit treasurehill.com

inthenews

Adding space and value the

modular way

Sometimes, the best new home

you can buy is not that new at all, but a custom addition – made to measure, built off-site and installed onto your existing home in a matter of days.

Instead of being uprooted for months while your home becomes a construction zone, or moving out of a home you love to accommodate a growing family, imagine turning a bungalow into a spacious twostorey abode in barely the time it takes to enjoy a long weekend.

Sounds hard to believe, but that’s what Modular Home Additions Ltd. of Toronto is all about. For the past 12 years, the company has helped more than 900 homeowners in the GTA create the homes of their dreams through affordable “no-mess, no-stress” expansions that use modular components designed to increase function and value.

“For four years in a row, we have been voted ‘The Best in Town’ – by people, just like you, our customers, their neighbors or just people who have heard good things about us,” says Vladeta Jericevic president and CEO of Modular Home Additions. “This means much more than any prestigious award at some peer competition.”

Think of it as the home builder coming to you, rather than the other way around, to help you find a solution to your homeownership needs. Once a project is assessed and a home is deemed suitable for a such an expansion, Modular Home Additions designs and 48 New home guide GTA | marCH 16 - 30, 2013

builds components at its Toronto workshop. So, there’s no exposing your home to the elements, no construction activity that stretches for months on end, and no uncomfortable cohabitating with the in-laws or friends.

After the consultation and design phase, Modular Home Additions’ engineers and construction staff go to work building roofs, walls, floor and other major components – all in the comfort of their warehouse, where workers and materials are sheltered from cold, heat, precipitation or any of nature’s other challenges. The end result is components built in a controlled climate, by staff who are comfortable, producing high quality work.

Come “construction time” – without oversimplifying it – the process essentially goes like this: Day 1, home’s existing roof removed; Day 2 new floor, walls and roof installed; and Day 3, shingles, eaves, spouts and soffits installed and other work completed.

Voila – a modular home addition in a matter of days.

The company provides everything from a free initial consultation, to a feasibility study and design services, permitting, material selection and other services, including interior design – “all while maximizing the size of your home and minimizing the disruption to your life,” says Jericevic.

Modular Home Additions is a member of the RenoMark program of the Building Industry and Land Development Association (BILD), which means all structural work comes with a two-year warranty. The company also has partnerships with popular retailers such as RONA and the Brick, affording clients special discounts at these stores.

After all of the success Modular Home Additions has celebrated in the past 12 years, the team has decided to give back by contributing to the Habitat for Humanity program. Habitat for Humanity is an organization in place to help low-income families build and buy simple, decent and affordable homes that are functional and high quality. These homes are available on no-interest, no-profit mortgage terms that come with payments set at less than 30 per cent of a family’s gross income.

This spring, Modular Home Additions will be participating in an upcoming Habitat for Humanity project devoted to a Toronto family of 12 that currently has no means of affordable funding.

Classic beauty in heritage Maple The ‘best of the new’ on Maple’s heritage ‘Main Street’, private enclave of architecturally designed old-world inspired 3-storey townhomes up to 2, 400 sq. ft. with urban designed streetscape.

Whether it’s the Tuscany Series Live/Work Town or Traditional Boticelli Series Townhome, your elegant new home is right in the heart of everything that’s perfectly you!

Landscaped Community | Open concept interiors | 9 ft. main floor ceilings Granite, marble, ceramic & hardwood | Secluded roof top patios Private parking | Tuscany Live/Work series has prime Keele St. exposure

A limited offering of Executive Townhomes from the $600’s

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marCH 16 - 30, 2013 | New home guide GTA 49

finances

Five important

financial questions for this economy

Near the end of 2012, the economists

at Desjardins Group predicted that it would be harder than expected to get back to normal financially in 2013. Canada’s economy continues to feel the effects of a weakening global demand, the public sector has entered austerity mode and the housing market is slowing. So what does that mean for your financial strategy? Here are some examples of questions and answers to help start the conversation with your financial advisor.

1

Should I continue contributing to my RRSP? Yes. The decision to contribute to an RRSP is independent of the changes occurring on financial markets. This is actually defined by your investor profile to help determine which investments you should choose. In addition to still being an excellent tax shelter, your RRSP can help you to achieve your retirement or education goals, or even to purchase a property.

2

Should I change my investment strategy?

That depends. Have you given your portfolio a check-up? This is something you should do every six to 12 months to make sure it still reflects your investment goals. For example, some investors may prefer to protect their capital by investing in fixed income products. Or some see this type of market as an excellent time to invest in some bargains. The important thing is to be comfortable with your own strategy and to invest for the long term.

50 New home guide GTA | marCH 16 - 30, 2013

3

Should I take advantage of this situation to pay down my mortgage?

Yes, if you can afford to, paying down your mortgage is a good decision. This leaves you free to contribute more to your registered and non-registered investments.

4

Is this a good time to buy a property?

Buying property is always a good idea, as long as you stay within your financial means. Your borrower profile is a very useful tool to help you deal with changing interest rates. Simulations that take several variables into account can also help you better understand the nature and consequences of the choices you’re making.

5

I’m nearing retirement age.

Should I put it off?

Whether you’re a few years or a few months away from retirement, sit down with your financial advisor to obtain a realistic snapshot of your financial situation. He or she can present you with a few scenarios to help ensure that your savings last. With the proper asset mix, you will be able to manage future market fluctuations and changes in your expenses.

Review these questions and more with your financial advisor. Or for more immediate answers to your financial questions, and to access calculators and simulators, visit Desjardins Group at Desjardins.com. NC

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communityfocus

FarSight Homes – Greenfields All-new bungalows-plus-lofts deliver outstanding quality and value in Alliston

W

hen FarSight Homes opened the doors to its Greenfields community in Alliston, the company knew it would have no trouble appealing to families who were looking for a quality built home in an established neighbourhood. After all, when you’re offering some of the best-priced new homes in town, it doesn’t take long for word to get around. But what brothers Bob and Rick Schickedanz of FarSight Homes didn’t expect to find was that there was also a keen interest from buyers looking for bungalows.

“It seemed like every weekend we’d have someone ask if we would consider adding a bungalow to our portfolio of homes,” explains Rick.

“They loved our in-town location, were impressed with our model home, features and finishes, but admitted that they were at a point in their lives where the convenience of a bungalow just seemed to make more sense.”

The market was asking, and it didn’t take FarSight Homes long to deliver, recently unveiling a collection of bungalows-plus-Lofts. If initial interest is any indication, these exceptional residences are exactly what buyers are looking for.

52 New home guide GTA | marCH 16 - 30, 2013

“The addition of bungalows-plus-lofts has been extremely well received,” adds Bob. “These plans are ideal for empty nesters who want additional space for when the kids come to visit and simply perfect for families with older kids who need their own defined space away from the parents.”

Just like their popular two-storey homes, these wonderful bungalows-pluslofts are designed and built to Energy Star standards and set on 32- and 40-ft. lots.

Standard features include maintenancefree exteriors of brick and vinyl siding, oversized 1.5- and two-car garages, vinyl casement windows, “California knockdown ceilings,” soaring nine-ft. main floor

farsight homes

Greenfields

location Alliston housing type Bungalows-plus-lofts from 1,890 to 2,171 sq. ft.; single-family homes from 1,504 to 2,619 sq. ft. sales centre 197 King St. S., open Monday to Thursday 1 to 7 p.m., weekends and holidays 11 a.m. to 5 p.m. holidays from 11 a.m. to 6 p.m. contact 705.250.0949 | 1.855.299.7929 farsight.ca

ceilings, flowing sun-filled interiors that include spacious main floor master bedrooms with luxurious ensuite baths, gourmet kitchens and spacious Great Rooms with available gas fireplaces. But what really set these exceptional homes apart is the addition of wonderful two bedroom lofts. There’s even a separate loft bathroom and ample space for media centre or home office.

The Schickedanz family – brothers Rick and Bob, and sons Johnathan and David, are no strangers to new-home construction. In fact, Rick’s father was one of the founding partners of Schickedanz Bros. Ltd. – one of the premier developer/ builders in North America, involved in

numerous communities throughout Ontario, Alberta, British Columbia and Florida.

With a foundation built on 30 years of hands-on home building experience, FarSight Homes invites you to discover Greenfields in Alliston. Located just steps from schools, shopping, services and recreational facilities, the community is only minutes west of Hwy. 400, allowing for quick access south to Toronto or north to cottage country.

Bungalows-plus-lofts range from 1,890 to 2,171 sq. ft. and are priced from $327,900. A large selection of three- and four-bedroom singlefamily homes are also available from $284,900.

The Greenfields model home/sales centre is located at 197 King St. S., just North of Industrial Parkway, in Alliston. Sales office hours are Monday through Thursday, 1 to 7 p.m., and weekends and holidays 11 a.m. to 5 p.m. More information is available farsight.ca or by calling 705.250.0949 or toll free 1.855.299.7929. marCH 16 - 30, 2013 | New home guide GTA 53

hotdates

March 16-17

Canada Blooms

international centre

The 17th annual home and garden event is back w ith lectures, demonstrations and more than six acres of garden displays. This year, Canada Bloom is celebrating The Magic of Spring, with gardens and talks geared towards rejuvenation and growth.

Highlights include the JUNO Rocks garden, the country’s largest floral competition, tea tastings, contests and dozens of guest speakers.

Motorcyclists gearing up to get the bike out of the garage and on the road flock to this huge, annual show presented by Supershow Events.

Check out new, used and vintage cruising bikes, street bikes, offroad bikes and even scooters, as well as riding gear and apparel. Product and bike experts will be on hand with buying, riding and wardrobe tips. supershowevents.com

March 16 to 30

Calendar of events beginning from March 16 to 30, 2013

March 16-24

The Motorcycle Spring Show

direct energy centre

canadablooms.com

march 16-17

march 16-24

St. Party's Day

The National Home Show

ontario place

Nothing says St. Patrick’s Day like a giant outdoor tent and lots of beer.

Budweiser will be bringing both to Ontario Place for a two-day celebration of the patron Saint, featuring some traditional – and some less than traditional – Irish festivities. The event offers a range of live entertainment from The Fourth Well music group from Halifax and DJs, to customary Irish dancers. Dubbed St. Party’s Day, Bud’s third annual St. Patrick’s Day celebration expects to host upwards of 20,000 people. stpartysday.com

direct energy centre

The National Home Show and Canada Blooms have partnered to create North America’s combined Spring home and garden experience.

More than 700 experts are on-site for more than a week of all things decorating, renovating, landscaping and gardening. A range of exhibitors and companies will offer advice, solutions and discounts, including architecture and home design firms, constr uction and renovation contractors, home décor and lighting e x p er t s, appl i a nce de a ler s, landscapers and gardeners, eco solutions and real estate agents. nationalhomeshow.com

54 New home guide GTA | marCH 16 - 30, 2013

March 16 - 30, 2013

Showcasing new homes in the GTA’s east region

IN THIS SECTION

>> Maps and listings for new-home communities in the east region >> Builder news and the latest in new homes in the east region

32 Sideline

32 Sideline

Altona Rd

Rosebank Rd

Altona Rd Church St S

Squires Beach Rd

Brock Rd

Sandy Beach

Appleview Rd

Spruce Hill

Montgomery F

eD

Lak

tD

Wentworth St

Gibb St

60

29

46

40

34

2

King S

tE

Adelaide Ave

10

31

Wentworth St

Bloor St.

Olive Ave

Ritson Rd S tS eS co Sim

Stevenson Rd

Phillip Murr

Bloor St Park Rd S

57 n 65

Finley Ave

ou

Harwood Ave

Westney Rd S

Garden St Blair St

em

Fairport Rd

401

Kendalwood R

Whites Rd

Granite Court

Dr Notion Rd

47

52 91 14

King St W Bond St W

Adelaide Ave

3

26

Beatrice St

18

22

Conlin Rd

68

Harmony Rd S

ug

Dixie Rd

wS

Ro

Liverpool Rd

42 11

49

Cochrane St

46 Rd

Bayly St E

56

Manning Rd

17 Rossland Rd

Park Rd S

on

45

Dundas St E

38 1

Dryden Bv

Taunton Rd W

Centre St.

gst Kin

Brock Rd R aks rO o j Ma Valley Farm

401

55 44 48 401

Kingston Rd

7

8 36

55

67

21

15

devie

15

Whites Rd

30

5

Townline Rd

Sheppard Ave

Brock Rd

Riverside Bv

50

Church St N McQuay

Glenanna Rd

16 Sideline Rossland Rd

16

50

Garden St

Magill 92Dr

54

23

33

City of Oshawa

Mary St N

Stroud's

Paddock Rd Ravenscroft

28

Lakeridge Rd

58

Greenwood Rd

43

Audley Rd

To wn of Ajax

66

Country Lane

Taunton Rd W

Anderson St

Highview Rd

Westney Rd N

41

Salem Rd Brock St N

Delaney Dr

Salem Rd

24

Audley Rd

Garrard Rd

Gran

K

North Rd Baldwin St S

4

Garrard Rd

Rossland Rd

4 Sideline R

Taunton Rd E

Thornton Rd

Central Park

J

North Rd

13 37

35

Conlin Rd

To wn of W hitb y

Rossland/Winchester R

53

14

8 Concession

13

Church St E

Stevenson Rd

51

24 Sideline Coronation R

tN

I

20 Sideline

Thickson Rd

eS

Finch Ave

Brock Rd co

3 Concession

16 Sideline Sim

H

16 Sideline Brock Rd Cen tral St

90

12 Sideline

4 Concession

6 Sideline

Ritson Rd N

4 Concession

4 Sideline Halls Rd N

Fifth Conces

68

12

Wilson Rd N

G

30 Sideline

Village of Bro oklin

Brawley Rd

11

Baldwin St N

5 Concession

10

Myrtle Rd W

9

Country Lane

Columbus Rd

Lake Ridge R

6 Concession

8

Cochrane

7

7

Ashburn Rd

7

7 Concession

8 Concession

9 Concession

6

Cedarbrook T

City of Pickering

5

Duffs Rd

Whitevale Rd

4

12

F

28 Sideline

7 Conncession

3 Garrard Rd

E

9 Concession

2

Stevenson Rd

D

1

Pickering, Ajax, Whitby, Oshawa

4 Sideline R

C

B

A

east region:

Harmony Rd N

Grandeview S

ly

Townline Rd.

Bay

56 Grandeview S

Wilson Rd S

Thornton Rd

Hopkins St Blair St

Henry St

Brock St S

Gordon St

Ajax-Whitby

Shoal Point Rd

Pickering Beach Rd

riv ew a

Liverpool Rd

17

18

19

Attention Builders Want to add your community to our maps?

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

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

16

Price Range

Page No.

2

Brookfield Homes

Hills of Harrowsmith

Brook-Hill.ca

•

from $300,000

17 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $334,000

65 15F

4

Menkes

Somerset

905-428-0500

•

from $470,000

6-7 7G

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

1

Beaverhall Homes

Parkside Walk

905-430-1227

5

Monarch Corporation

Lexington County

416-495--3542

•

from $490,000

11 Conservatory Group

Carruther’s Creek Village

905-426-8081

•

•

from $247,000 7J

13 Liza Communities

Folkstone

1-877-365-9555

•

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $287,000 14F

24 Tribute Communities

Imagination

905-683-1228

•

from $286,000 8G

25 Melody Homes

Brooklin Winchester

1-888-679-5744

•

from $260,000 11E

31 Preston Homes

Prestonvale Heights

905-432-2800

•

•

from $350,000 15J

33 Tribute Communities

The Neighbourhoods of Windfields Farm 905-436-7444

•

from $356,000 13F

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $333,000 15G

35 Tribute Communities

The Village of Brooklin West

905-655-9979

•

from $380,000 11E

35 Tribute Communities

The Village of Brooklin Townhomes 905-655-9979

•

from $340,000 11E

36 Liza Communities

Heritage Village

1-888-655-6188

•

•

from $325,000 11G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $190,000 6J

49 Senator Homes

Harbourside

905-430-5957

•

• •

from $270,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

•

from $250,000 9G

55 Jeffery Homes

Kedron Park Ravines

905-433-2173

from $580,000 14G

56 Delpark Homes

The Woods of Nichol Trail

905-665-9555

•

•

from $426,000 11I

57 Geranium Homes

The Courts of South Rouge

geraniumhomes.com •

from $700,000 2K

Seaton

mattamyhomes.com

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

65 Brookfield Homes

Rosebank By The Lake

PickeringRosebank.ca •

from $550,000 2K

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $520,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

•

from $257,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

91 Sundance Homes

The towns of nichol green phase 1

905-441-3312

•

from $260,000 11J

92 Glen Rouge Homes

The Cornerstone

905-239-9777

•

from $588,000

•

•

61 5H

from $285,000 11H

from $225,000

8I

5I

6I

Pickering, Ajax, Whitby, Oshawa

58 Mattamy Homes

• •

east region:

Tel

M Fi a nd p er

Site

et a Se ch m ed To i w Co nho nd m o e

Builder

D

# Si te

57

Mill St

Parkhill Rd.

7B

7

28

115

28

7

t.

24 16

rS

te Wa

28

Peterborough

9 31 38 Lansdowne Ave.

7A

7

35

2

7

134

Attention Builders - Want to add your community to our maps? Need to update existing information? Please fax the details to (416) 789-9554

ach

Re

4

Durham 23

St

7

7

Bloor St.

2

Rd

33 Oke

6

Angelina St North 34

Major St.

Lorne St.

Harmony Rd

Hw Mya2rsh

20

32

401 14

Bloor St.

LAKE

ONTARIO

.

St. Ridout W al to

n

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

gS

Kin

Concession St

Baseline Rd. E

37

Concession Rd 3

13

Bowmanville/ Newcastle

21

12

Hwy

39

8

401

14

16

7

7 12 7A

Lake Scugog

18

Dr

18

ill Mc G

17

Lake Scugog

15

LAKE ON TA

Port Hope

1

MacDonald Cartier Freeway

106

RIO

35

29

5

115

19

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

17

To Toronto

Hwy

Nash Rd

y2

St. Hw

Baseline Rd. W

26

King

48

45

11

Mearns

10

.

36

Hwy

Nash Rd

9

Lindsay St. North

Lindsay

8

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

35

7

Rd

K

J

I

H

G

F

E

19

7 y4 30 Hw 10 Goodwood Rd

Centre

Rd.

ng

D

Quaker Village Dr

Uxbridge

15

Brock Rd To

mo

Che Monaghan Rd.

C

Brock St

St

to

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

B

Hwy 134

Liberty St. N Liberty St. S

6

West Townline Rd. N.

5

le Rd

4

Varcoe Rd Darlington Blvd

n io Un

3

.

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

2

t.

1

Hwy 28

Av e Trulls Rd

Regional Rd 57

A

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Reg. Rd. 18

east region:

y2

Prest

to

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

On

Simcoe St. (From Oshawa)

w

y.

4 H

58 Hw

5

Page No.

Foxtrail

brookfieldhomes.ca •

from $390,000

17 5B

72 Vandyk Communities

West Park Village

vandykcommunities.com •

from $210,000

43 3I

1

Mason Homes

Port Hope Golf & Country Club

905--885-6565

•

from $210,000 12K

2

Parkview Homes

Woodland Acres

705-748--2828

•

from $220,000 3G

5

Mason Homes

Cobourg

905-885-6565

• •

from $200,000 19I

6

Mason Homes

Cloverlea Lindsay

705-324-1653

•

• •

from $200,000 7a

8

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

8

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $351,000 14E

8

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

9

Parkview Homes

Harmony

705-748-4663

9

Parkview Homes

Lyon’s Gate II

705-748-4663

•

from $303,000

2I

9

Parkview Homes

Mapleridge Townhomes

705-741-1004

•

from $228,000

2I

9

Parkview Homes

Timberwoods

705-748-4665

•

from $228,000

2I

9

Parkview Homes

Valleymore

705-748-4663

•

from $199,000

2I

10 Deer Park

Deer Park Estates

416-223-3777

•

from $600,000 2e

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. Schickedanz

Lake Scugog Meadows

1-877-878-9899

•

from $298,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $260,000 10I

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10c

26 Kaitlin Group Ltd.

Country Classics

28 B.G. Schickedanz 30 Empire Communities

7

Brookfield Homes

• •

• from $150,000

2I

•

from $300,000 10c

Chateau Villas at Baxter Creek Estates 905-695-1953

•

from $185,000 3K

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

The Meadows

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-434-7797

•

from $260,000

35 Mason Homes

Avonlea

1-866-443-7900

•

from $190,000 3H

36 Senator Homes

Courtice Village

905-723-5989

•

•

from $239,000 7K

38 Melody Homes

Fairview Heights

1-800-932-5332

•

•

from $172,000

39 H&R Developments

Gracefields

hr-newhomes.com •

from $285,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $285,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Brookfield Homes 48 Jeffery Homes

1-866-514-3573

•

• • from $260,000 14E

• • from $288,000

3I 9I

2I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $219,000 11B

BrookHill

Brook-Hill.ca

•

• •

from $200,000 10B

BrookHill

905-697-0765

•

• •

from $200,000 10B

Uxbridge, Lindsay, Bowmanville/Newcastle, Courtice, Peterborough, Port Hope, Cobourg, Port Perry

Price Range

east region:

Tel.

Fi M ap nd er

Builder Site

De ta Se ch m ed To i w n Co hom nd e o

# Si te

59

finances

Are you at risk

if interest rates rise?

Here’s a new check-up to consider: the debt check-up.

This look at your financial health will help you determine whether you would be able to handle increased payments if interest rates go up. While those rates are now at all-time lows, they will likely rise some time in the future.

“Canadians need to look at how much debt they are carrying, particularly in the amount of their mortgages, home equity lines of credit (HELOCs), personal lines of credit and variable-rate personal loans,” says Ursula Menke, commissioner of the Financial Consumer Agency of Canada (FCAC). For example, a couple with a 3.1 per cent variable interest-rate mortgage of $277,658 could see their mortgage payments increase anywhere from $72 per month (or $864 per year) if interest rates go up 0.5 per cent, to $145 per month (or $1,740 per year) if interest rates go up one per cent.

To do a debt check-up, look at your current total monthly payments, and list them on the Debt Check-up worksheet available on FCAC’s website, itpaystoknow.gc.ca. Next, talk to your lenders to find out how much your payments could increase if interest rates go up. Then, see if the total would still be within your comfort zone and, if not, consider your options, such as consolidating loans, to find ways to have more money available to repay 60 New home guide GTA | marCH 16 - 30, 2013

To do a debt check-up, look at your current total monthly payments, and list them on the Debt Check-up worksheet available on FCAC’s website, itpaystoknow.gc.ca debts and save for your goals.

Other tips that might help you get out of debt are to stop using credit cards and look at ways to save money. Use your debit card or cash to pay for purchases, avoid buying that daily coffee, bring your lunch to work or take public transit. NC

marCH 16 - 30, 2013 | New home guide GTA 61

communityfocus

Geranium - The Verandas MOVE IN THIS YEAR TO THE VERANDAS IN PORT HOPE BY GERANIUM

Port Hope’s beautiful waterfront

T

his year, you can move into a beautiful new detached bungalow situated minutes from the historic downtown of Port Hope, when you choose The Verandas by award-winning builder Geranium Homes. This highly successful neighbourhood is popular among empty-nesters looking for a home to suit their lifestyle, first-time buyers and value-conscious families who appreciate the variety of plans and the affordability of these Energy Star homes. And if a later move-in date fits in better with your plans, a second release of these desirable homes on 42- and 48-ft. lots is coming soon, with closings in 2014.

According to Geranium’s Marketing Director, Sue Webb Smith, “The Verandas offers a wonderfully diverse population of homeowners, with buyers ranging from 25 to 90. What they all have in common is an appreciation for the amazing value and wonderful design options they find here.” With construction so far along and closings starting this spring, the neighbourhood is really taking shape. Three spectacular model homes are available to view.

Within The Verandas intimate enclave of 117 homes are a lushly landscaped park, inviting walking paths and a charming gazebo overlooking a pond. Geranium’s homes are creating have attractive exteriors featuring covered front porches and heritage influenced maintenance-free materials in an array of architectural colour palettes designed for captivating streetscapes with exteriors that are both distinctive and harmonious. Well appointed and designed, these homes are built with the excellent “Geranium Green” construction standards, plus, they are Energy Star for New Homes qualified, featuring third-party verification and 62 New home guide GTA | marCH 16 - 30, 2013

energy savings from the day you move in.

Select from 10 different bungalow floorplans in two- and three-bedroom designs with optional plans for more variety and choice that include finished basement areas. Sizes range from 1,118 to 2,397 sq. ft. (with optional finished lower level included), and prices from $259,900 up to $352,900. For these prices and with so many permutations available, there is truly something for everyone at The Verandas.

To see for yourself just how livable these designs are, be sure to visit the model homes. “In addition to seeing the construction activity taking place on the site, visitors to the sales centre are excited when they tour our furnished and decorated Model Homes,” Webb Smith says.

“They find they can better imagine themselves living here quite comfortably.”

All of this can be yours just minutes from Port Hope’s many amenities and conveniences, including municipal transit and VIA rail. Homeowners at The Ve-

Geranium

The Verandas

Three furnished model homes showcase The Verandas designs.

randas can walk to local shopping, the Port Hope Golf Club and Yacht Clubs, The Waterfront Trail and more than 200 acres of parkland with trails, ball diamonds, gardens, naturalized areas, playgrounds and soccer fields.

The Ganaraska River flows through town to the lake, offering some of Ontario’s best fishing opportunities. Port Hope is also home to recreational facilities, live entertainment, cultural venues and a kaleidoscope of restaurants.

For trips farther afield, Geranium’s community is located just south of Hwy. 401, 30 minutes from Oshawa and Peterborough and 50 minutes from Toronto. The Verandas is just a short drive to big-box stores and the new Northumberland Hills Hospital in Cobourg.

Geranium Homes has been creating family neighbourhoods across Ontario for 35 years. In 2012, the company won top industry awards: receiving The Building Industry and Land Development (BILD) Association’s Home Builder of the Year and the 2011 Canadian Home Builders’ Association Grand SAM Award.

The Verandas sales centre is located on Marsh Road, just west of Toronto Street. Hwy. 401 exit 461, Port Hope. Hours are 11 a.m. to 5 p.m. Saturday to Thursday. Closed Friday.

Call 1.877.540.0555 or visit geraniumhomes.com

location Port Hope housing type Two- and three-bedroom detached bungalows on 42- and 48-ft. lots sales centre Marsh Road in Port Hope, open 11 a.m. to 5 p.m. Saturday to Thursday, closed Friday contact 1.877.540.0555 | geraniumhomes.com

marCH 16 - 30, 2013 | New home guide GTA 63

quicktips

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

Contact Hellen at 905.829.2219 or info@weorganizeu.com

if you are judging yourself against unrealistic expectations, or holding back on pursuing a goal because you are waiting until you ‘get organized, once and for all’, perhaps it’s time to look at things differently.

Instead of trying to get organized, strive to become more and more organized every day. Doesn’t that feel more attainable? Instead of feeling stuck, you’ll be able to take a step forward.

Use your instincts. Are you surrounded by piles of papers on your

A dose of

reality by hellen buttigieg

You want everything to fit away

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

The demands on your lifestyle and your family’s needs may outweigh the space in your home. Being organized doesn’t happen overnight and it doesn’t have a finish line. Getting organized is a process, learn what works for you.

Keeping it real. You’ll never get organized.

Read that again. Yes, that’s what I said. You’ll never get organized because being perfectly organized is not a realistic expectation. Just to be clear, organization is not a destination. You don’t just wake up one day and find that you’ve arrived. It’s a process - a work in progress. So 64 New home guide GTA | marCH 16 - 30, 2013

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

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

Plan before de-cluttering. Before beginning any de-cluttering

project, determine in advance how you will dispose of the items you no longer want. If you have valuable pieces and would like to sell them, decide whether you will do this yourself or hire someone to do it for you. If you would like them to go to charity, which one and where are they located? Some charities will pick up, so call them to find out when they will be in your area. It’s not until those boxes and bags leave your home that you will reap the full rewards of de-cluttering. Planning in advance will curb procrastination and ensure full completion of the task.

Feeling stuck? If you find yourself backsliding when it comes to

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

OSHAWA

GRAND OPENING IN OSHAWA UP TO $300,000 LESS THAN GTA PRICES! UP

P

Kitchen with island, breakfast area and walk-out

2

Open-concept great room with gas fireplace

3

2 car garage with interior access

4

Luxurious ensuite with oval tub and separate shower

5

Master suite with his and hers walk-in closets

6

Second floor family room with 10 ft. ceiling

7

Spacious 4 bedroom design

Hwy. 401

Harmony Rd. N

Adelaide Ave. E

Grandview St. N

Rossland Rd. E

Clearbrook Dr.

Wilson Rd. N Taunton Rd. E

SH

2

1

Before you buy, see the Great Gulf difference: 1

PATIO DOOR

BREAKFAST 12’0” X 9’11”

GREAT ROOM 16’0” X 16’0”

EXTENDED COUNTER

S

MASTER BEDROOM 15’8” X 16’0”(11’6”)

ENSUITE

4 5

DW

KITCHEN 12’0” X 8’0” F

W

OVAL TUB

LIN

P

DN

LAUNDRY

W.I.C.

W.I.C.

CL

UP

DN

DINING ROOM 10’0”(12’3”) X 13’0”

D

BATH 2

RAILING

BEDROOM 2 8’6” X 12’6”

RAILING

$333990

GAS FIREPLACE

36 Ft. Detached Homes 1,510 - 2,405 sq. ft. from

UP DOOR ONLY AS GRADING PERMITS ADDITIONAL STEPS MAY BE REQUIRED

3

7

DN

DROPPED FLOOR ABOVE 3 RISER

PARAPET WALL

PR.

FOYER

2-CAR GARAGE GARAGE

CL

18’2” X 19’5”

BEDROOM 3 8’6” X 11’0”

6

CL CL

FAMILY ROOM 11’10” X 16’1” (10’ HIGH CEILING)

SALES OFFICE 1359 Clearbrook Dr. Oshawa (905) 579-7235 or 1-888-579-7235

COVERED PORCH

UP

BEDROOM 4 12’2” X 10’0”

The Lynden, 2,400 sq. ft.

GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

Sales office hours: Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri.

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

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

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

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

動 • 416 與 905 區之比試 蛇年運程 • 大多市各商場賀年活

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

66 New home guide GTA | marCH 16 - 30, 2013

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

March 16 - 30, 2013

Showcasing new homes in the GTA’s central and north regions

IN THIS SECTION

>> Maps and listings for new-home communities in the central and north region >> Builder news and the latest in new homes in the central and north region

Ki

e Av

n sto ng

lva Sy

s ng Ki e v nA

to

n

RD

17

78

32

Sheppard Ave E

2A

401 53 26

58

t Rd

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

90

n Dr orto

RD

Brim

Galloway Rd

K

Ossington Ave. Dovercourt Rd.

DVP

Main St

Gerard St

18

41

in

Manse Rd

J

rlet

8

50

23

83

42

St Clair Ave E

25

ev

18

Passmore Ave

17

Centennial

Lakeshore Blvd W

Christie St.

Horner Ave

Spadina

Dundas St. W.

Bathurst St. Bay St. University Ave.

Queen St. W. 58 King St. W. 49 Front St.

Logan Ave.

Danforth Ave.

Cosburn Ave

55

cL

M

16

East Ave

I

Keele St.

QEW 4

57

Yonge St

86

Evans Ave

28

Yonge St.

12

Don Valley Pkwy

QEW

Jane St

27

Avenue Rd Bloor St.

Laird Dr

Queensway

Dupont St.

O'Connor Dr.

43

Woodbine Ave

H

Dufferin St

Davenport Rd.

Rd

Pharmacy Rd Victoria Park

20

Sca

an

Warden Ave

Dundas St W

Allen Expressway

gh

Birchmount Rd Eglinton Ave E

Lawrence Ave E

88

15

Sheppard Ave E Milner Ave

Progress Ave

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Ave E

401

Brimley Rd

80 Rogers Rd

Leslie St Eglinton

38

Ellesmere Rd

Huntingwood Dr

Finch Ave E

5

14

Bellamy Rd

Bloor St W

ay

w

ng s

Bathurst St

Eglinton Ave W

11

13 Steeles Ave.

McNicoll Ave

12

Markham Rd

Rathburn Rd

Ki

Caledonia Rd

Briar Hill Ave

Rd

Rd

y

11

y Pkwy

Eglinton Ave W

d kR

ew e

Keele St

to n

ee

427

Kipling Ave

Cr

Th e

B

k lac

Tre th

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

10

Don Valle

W es

54

1

40

9

Scarborough Golf Rd

G

Martin Grove Rd

Kennedy Rd

Westway

33

87

Finch Ave W

Drewry Rd

Pleasant Ave

8

Orton Park Rd

F

Islington Ave

Dixon Rd

pressway

401

89

Allen Ex

24

Jane St

Wilson Ave

39

7

Bayview

31

400

21

6

Mills

401

Weston Rd

34

5

Don

409

Bv

Signet Dr

27

ale

xd

6

4

Midland Ave

E

Humberline Dr

Re

Rd

3

Dufferin St

Finch Ave W

ion

Alb

2

McCowan Rd

D

1

Toronto, Etobicoke, York, North York, East York, Scarborough

Alness St

C

B

A

central region:

Tapscott Rd

7

Morningside Ave

42

Neilson Rd Morrish Rd

Rd

Sewells Rd Conlins Rd

h

Reesor Rd

rt

Beare Rd

fo

Meadowvale Rd

Da n

68 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Park Lawn

Royal York Rd

Renforth Dr

19

Price Range

70

Mattamy Homes

Cornell

mattamyhomes.com •

•

86

Menkes

Humber Mews

416-642-8955

•

86

Menkes

Dwell city town

416-642-8955

•

6-7 3I

87

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

3

Camrost Felcorp

iLoft at Mystic Pointe

416-251-8888

6

Oz Properties

Garden Towns

416-898-5100

•

3B

11

Tribute Communities

Canterbury

647-352-2130

•

from $700,000

9E

12

Pemberton Group

The Uptown Residences

416-987-3500

• from $400,000

9G

18

Regal Crest Homes

Centennial Gardens

416-686-0556

• • from $323,000

13G

20

Beaverbrook Homes

Evolution

416-747-9691

3H

21

Conservatory Group

Oakdale Village

416-243-0511

•

•

from $323,000

5C

23

Conservatory Group

Upper Beach

416-698-7796

•

• •

from $400,000

12H

24

Forest Green Homes

Lexington On The Green

416-235-0220

•

from $208,000

4D

26

Conservatory Group

Port Union

416-287-3128

•

•

from $520,000

18E

27

Cresford Development Corp.

Windermere by the Lake

416-977-5300

• • from $200,000

5H

28

Pemberton Group

Park Lake Residences

416-769-4343

• from $180,000

5H

34

H&R Developments

Westown

hr-newhomes.com

• from $190,000

5C

39

Beaverbrook Homes

Yorktowns

647-259-0733

•

from $460,000

5C

41

Monarch Corporation

Evergreen

416-495-3526

•

from $395,000

14F

42

Stafford Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

42

Brookfield Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

43

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

•

from $190,000

10F

49

Tribute Communities

RCMI

416-363-4800

50

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

54

Tribute Communities

1717 Avenue Road

416-430-1717

55

Stafford Homes

Keystone Mews

416-757-6684

• •

from $475,000

11F

75

H&R Developments

Berczy Square

hr-newhomes.com •

77

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000

9H

78

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

80

Brandy Lane Homes

Village Mews

416-651-6555

•

from $470,000

6F

83

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

88

Monarch Corporation

Birkdale

monarchgroup.net

•

from $420,000

13D

89

Decade Homes

Yorkdale Village

416-638-5656

•

from $350,000

6D

90

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

from $398,000

Page No.

• from $273,000

• from $270,000

• from $550,000

•

9 7G 6-7 3I

4H

8I

9H 8C

5I

Toronto, Etobicoke, York, North York, East York, Scarborough

Tel

central region:

Site

Fi M ap nd er

Builder

De ta Se ch m ed To i w n Co hom nd e o

# Si te

69

Steeles Ave W

Kipling Av

K

ence

J

7

Clar St

42

Isl on 48

t ing

I

Huntington

Langstaff Rd

46

2

21

6

40

18

Major Mackenzie

Cr

H

Teston Rd

24

54

400

11

39

8

27

Weston Rd

G

7

King-Vaughan Rd

6

400

9 King Rd

10

Rutherford Rd

26

55

Maple

7

52

51

49

25

3

5

20

10

22

Centre St

15

19

14

Clark Ave W

35

Thornhill

34

38

14

8

4

40

47

12 43

33 28

13

41

7

23 16

31 44 7

45

53

12

Langstaff Rd

32

37

11

Dufferin St

F

Kirby Rd

5

Pine Valley

City of Vaughan

1

4

Jane St

E

3

Nashville Rd

2

Keele St

D

1

Cold Creek

C

B

A

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

70

Bathurst St

e Av

e

Rd

50

12 Line R

d

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Tel

Price Range

Page No.

1

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $800,000

1 4E

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $770,000

25, 30-31 9F

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

30-31 9F

44

Madison Homes

Thornhill

905-417-1203

•

from $1090,000

11 14g

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

1 12A

54

Fieldgate Homes

Rivers Edge

905-303-4728

•

• •

from $730,000

25 8E

55

Oskar Group

Le Sedici

lesedici.com

from $600,000

49 10E

1

Country Wide Homes

Kleinburg Hills KleinburgHills.com •

from $750,000

4E

11

Summit View Homes

The Summit of Valleybrooke

905-417-7980

•

•

from $300,000

8E

35

Hallstone Homes

Clairtrell Mews

905-886-5757

•

from $670,000

15K

37

Flato Developments Inc.

Montebello

905-731-2000

•

from $390,000

11D

38

Liberty Development

Centre Park Townes

905-731-8302

from $399,000

13I

39

Tiffany Park Homes

Valleybrook Estates

905-303-1620

from $320,000

8e

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

43

Primont Homes

Rothbury Ravine Estates

905-305-8871

•

from $675,000

13f

44

Forest Hill Homes

Thornhill Ravines

madisonhomes.ca •

from $690,000

14g

46

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

8E

47

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

48

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1250,000

6H

48

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

6H

51

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

12A

52

Zancor Homes

Royal Collection

905-833-0883

•

•

from $550,000

12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $880,000

13g

5I

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te

71

1

2

3

4

5

6

7

8

6

G

404

4 17 22 Rd King 24

F

20 3

9

oad

ider

S rson Jeffe

15 16 14

H

19th

d

1

Gam

22

13 23

St

St

St

11

nzie

ath

Str

acKe

rM Majo

ea

N

e Av 404

Dr

st St

P

25 2

Q R

.

Ave

am Denh

O

16th

rn

dW

ick R

dr Wel Bathur

central region: Richmond Hill

7

r

ent

Mill

72

Neal D

St

26

Reg

d

ills R

nM Elgi

8 19 18

K

404

Leslie

d Yorklan

21

J

M

Ave.

ble R

I

L

12

St Yonge

E

5

27

11

t

D

m

Bloo

road

Side

Ave

C

on ingt

Bayview

B

10

Leslie S

A

9

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

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

Price Range

Page No.

Kettle Lakes Club

289-231-2849

•

from $550,000

1 6D

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

87 5I

27 Acorn Homes

Oak Knoll

acornhomes.ca

•

from $600,000

81 4C

2

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

6Q

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $890,000

2C

14 Arista Homes

Jefferson Forest

•

•

from $600,000

4H

15 Madison Homes

Jefferson Forest

905-770-8661

•

•

from $600,000

4H

15 Forest Hill Homes

Jefferson Forest

iloveforest.ca

•

•

from $600,000

4H

16 Fieldgate Homes

Jefferson Forest

905-884-8017

•

•

from $600,000

4H

17 Heathwood Homes

The Reserve at the Woodlands

416-637-3520

•

•

from $748,000

2D

18 Heathwood Homes

Silverwood Lane

heathwoodrichmondhill.com •

•

4K

19 Heathwood Homes

Forestbrook

heathwoodrichmondhill.com •

from $583,000

4K

20 North Star Homes

King’s Crossing

416-291-9666

from $440,000

2E

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

7Q

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

•

4L

Richmond Hill

Tel

central region:

Aspen Ridge Homes

Site

Fi M ap nd er

Builder

De ta Se che m d To i w n Co ho n d me o

# Si te IFC-Inside front cover

4

73

les A

e Ave

Hend

Thornhill ve E

grove

Stee

in Woodb

56

Alder

K

John St

62

45

Dr

d eroa

66

l d yT eroa err erb n Sid d l E ngto i m Bloo 63

St

404

8 Hwy. 4

St

nald

Denison

McDo

ve 14 A

Van

d St Sid dorf

Edwar

59

11 Con

26

Hwy 7

w Ave.

Hwy 7

75

Dr lock 61 Bul y7 Hw

23

Bayvie

J

Ave

24

E

Town of Aurora

t

404

dy Rd

64

28

404

n St 21 ngto 22 Welli

9

.

e Rd

's Sid

hn St Jo

47

47 13

64

Gor

t

S ham

St

404

14

Leslie S

I

Kenne

ve 16 A n Rd r a C lto

n Rd

18

hts

Heig

Dr

54

D

r

D avis

Elgin

13

le ffvil Stou

Rd

r Side

oad

17 20

Milla

34

19

85

rd St

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

ve 19 A

ider da S

3

Rd ton ming Bloo

oa d

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

404

oad

es Beth

r Side

hn's St Jo

17

n Rd Vivia

Rd lbert 54 Mt A

16

orf d Van

a Rd or Aur

of Town chhur c e it Wh f ville Stouf

15

an Rd

McCow

H

n Warde

30

ock Mul

Town of Newmarket

80

ard Orch

4

51

Ea

t gle S

Spruce

G

nR

404 y 31 Pkw 81 het Cac

a McCow

65

Ra

25

tS

Main S le Dr ymervil

2 zie n 53 52 8 42 60 12

9 Line

acke

G

12

e Ave

or M Maj

cessio

Town of 50 Markham

46

11

.

ane

L reen

10

44 1 55 7 14

9

in Woodb

d

ills R

nM

10 Con

67 6 35 57 41 11 70

8

y Rd

Kenned

Elgi

7

Bayview Av e

10

e

6

McCow

ve 18 A

v 19 A

5

an Rd

F

4

Ave Warden

E

Thornhill

3

Town of Markham

Town of WhitechurchStouffville

2

t Yonge S

D

Town of Aurora

Town of Newmarket

1

St N

C

B

A

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

48

Rd

Main

n Rd

en

74 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Tel

Price Range

Page No.

Heirloom in Markham

905-201-2804

• •

from $370,000

13 7f

11 Madison Homes

Greensborough

905-201-7700

•

•

from $594,000

11 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

from $473,000

25 18f

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $473,000

27 18F

24 Ballantry Homes

905-294-0221

•

•

from $450,000

5 8g

28 Starlane Home Corporation Copper Hills South

CopperHIllsSouth.ca •

•

from $585,000

27 14d

30 Madison Homes

Cornell Rouge

905-472-9556

•

from $526,000

11 & 21 8F

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $450,000

21 & 85 8f

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

1 7F

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

•

from $575,000

22-23 7F

52 Fieldgate Homes

Potter’s Bend

fieldgatehomes.com •

•

from $580,000

25 6G

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

33 16B

59 Primont Homes

Harmony

905-305-8871

•

from $540,000

13 5I

65 Fieldgate Homes

Victoria Manor

fieldgatehomes.com •

from $920,000

25 3G

66 Treasure Hill Homes

Cornell

•

Aurora Woods on Bayview

treasurehill.com •

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

2

Country Wide Homes

Pavo Point

905-554-5975

•

from $400,000

5F

8

Country Wide Homes

47 13H

Wismer Commons

905-907-1500

•

•

from $450,000

6F

10 Monarch Corporation

Nichols Manor at Heritage

416-495-3542

•

from $550,000

2F

12 Laurier Homes

windsong

905-201-5979

•

•

from $495,000

6G

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

6G

14 Ballygarven Homes

Upper Canada Meadows

905-395-1294

•

from $330,000

11C

17 Conservatory Group

Heritage Estates

905-640-2274

•

•

from $283,000

18E

18 Kylemore Communities

Angus Glen West Village

905-887-9950

•

from $2000,000

4G

26 Arista Homes

Boxgrove

905-201-1102

•

• •

from $432,000

8H

28 Preston Homes

Copper Hills

905-954-4050

•

28 Greenpark Homes

Copper Hills South

CopperHillsSouth.ca •

from $500,000

14d

•

from $585,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

8F

35 Fieldgate Homes

Greensborough

905-201-6106

•

from $586,000

7F

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

6G

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

9C

53 H&R Developments

Castle Square

hr-newhomes.com

•

6g

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

60 Best Homes

Wismer Gardens

905-479-9600

•

from $410,000

6G

62 North Star Homes

Pacific Villas

416-332-8115

•

from $337,000

6G

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

6G

63 Fieldgate Homes

Bond Lake Village

905-313-1021

•

from $399,000

12J

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

•

from $630,000

5G

64 Arista Homes

Upper Unionville

905-534-1564

•

•

from $630,000

5G

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $630,000

5G

67 Portside Developments

Greensborough

416-746-1234

•

from $329,000

7F

80 New Era Homes

Landmark Estates

905-953-9046

•

from $380,000

10D

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

central region: Markham, Aurora, Newmarket, Whitchurch-Stouffville

Primont Homes

Site

M Fi ap nd er

Builder

De ta Se che m d To i w n Co hom nd e o

# Si te 6

75

K

9

59

Mono Adjala

32

25

14

Schomberg

51

15

King

Bradford Tecumseth and Tottenham65 71 9

11 20

48

Georgina Keswick

e

co

im

eS

k La

11

East Gwillimbury

37 13 55

Barrie 33

50 45 34 70 400 16 17

44

27

400

Alliston61

47

Essa

Beeton

12

0

10

Hwy 5

Shelburne

89

40

00

Vespra4

90 48 Lisle 44 2 Angus

Sunnidale

Tosorontio Everett

1

Wasaga Beach

Oro

6

Orillia

11

11

12

29

48

31

Lindsay

Uxbridge

Cannington

7 3

9

26

Scugog

Oshawa

Dr

14

S

401

42

15

27

E

49

400

22

Dr

Ma

iew plev

18

30 Dr

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

Please see builder’s ads for exact locations.

ark on P

Bay

Mols

Big

17

e Av 35 tle Lit Yo ng eS t t Rd 8 Poin

Steel St

16

Lakesh ore Burton Av Dr e

St

400

lop

Newcastle

Manvers

r

n Du

Barrie

wD levie d R alem Map

Rd agh Ard 4

r lle Mi

og Scug

13

Lake

eon

Georgina Island 33 obcayg B

Mara

10

s Dr

J

72

58

38

93

69

9

Bracebridge

8

n Vetera

I

H

52

27

27 36

Tay

69

400

7

St

24

60 41

6

irv

G

24

10 5 19 43 34 39

Midland

5

Huron Rd

iew

F

E

4

Fa

Thornbury

7

Georgian Bay

3

ne

An

D

2

t tS

C

1 St.

B

A

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

76 Duckwor

north region:

en

nc Vi ia Rd

Tel

705-329-3330 • 905-773-9997 • 1-877-455-0201 • 905-558-0255 • 905-778-0873 • MyFieldstone.ca • 1-888-720-9508 1-855-299-7929 • millstreethomes.com millstreethomes.com 1-877-428-5115 • 1-877-428-5115 • 1-877-534-4445 • 705-324-1653

705-730-1978 • 1-866-409-2724 • 519-599-1900 • 705-792-6807 • 705-735-0732 • 1-866-386-1629 • 1-877-422-1185 • 1-877-455-0201 1-877-455-0201 1-855-7PREVIN • 1-888-431-1732 • 905-558-0098 • 905-907-1500 • 905-775-3461 • 905-778-0873 • 705-721-7200 • 705-721-7200 • 905-851-1224

905-251-3203

705-734-9518 • 1-866-625-2583 • 1-866-386-1629 • 905-695-1953 • 705-434-4433 • 1-866-722-7771 • 1-866-531-3424 • 705-436-7215

705-436-5445 • 705-797-1967 • 705-734-1887 • 705-436-5547 • 1-888-445-9608 1-877-420-0880 • royalpark.com • 1-888-257-1999 masonhomes.ca/4U • 1-877-855-1122 705-516-0681 • 705-435-3577 • 705-435-3577 • 416-410-0175 • dreamfieldsbradford.com • dreamfieldsbradford.com • 705-444-0555 • 705-435-9991

705-423-9662 • democrathomes.com • 905-778-0873

705-446-2626

705-294-2288 • 519-217-5944 • 1-888-257-1999 •

Price Range

• •

• •

•

• • • •

•

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•

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•

• • • •

• • •

• •

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from

from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from

from from from from

from from from from from from from from from

$250,000 $267,000 $570,000 $325,000 $563,000 $200,000 $285,000 $280,000 $280,000 $210,000 $210,000 $200,000 $170,000 $330,000 $275,000 $347,000 $250,000 $253,000 $260,000 $250,000 $316,000 $300,000 $280,000 $200,000 $700,000 $750,000 $580,000 $270,000 $233,000 $233,000 $440,000 $330,000 $250,000 $284,000 $260,000 $298,000 $550,000 $290,000 $300,000 $200,000 $285,000 $500,000 $280,000 $240,000 $300,000 $200,000 $200,000 $298,000 $220,000 $234,000 $280,000 $280,000 $300,000 $311,000 $210,000 $275,000 $225,000 $300,000 $285,000 $340,000 $350,000 $250,000 $310,000

Page No.

91 8C 91 8C 89 9g 1 7k 86 8I 17 5J 17 7J 51 6I 79 7J 79 7J 4F 4F 6F 13H 14E 5E 1D 18D 13E 13e 4D 9g 9g 6I 8G 7k 7k 7I 8I 19E 19E 4E 9H 17F 2E 8H 13I 6H 9G 7G 7F 7F 17C 6D 7G 3F 5E 6I 3E 15E 5E 6G 6I 6I 8I 8I 8I 3e 6h 6G 16B 8I 3F 7G 3I 3E

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Site

north region:

Builder

Fi Map nd er

Mariposa Homes West Ridge Palace Orillia Mancini Homes West Ridge Palace Orillia Ballymore Homes Lakeside Meadows Aspen Ridge Homes King Country Estates Brookfield Homes Grand Central Brookfield Homes Fieldstone Brookfield Homes Willow Glen Tottenham Far Sight Homes Greenfields Briarwood Homes Mill Street Village Ballymore Homes Mill Street Village Pacific Homes Limited MarlLake Village Red Berry Homes MarlLake Village Starcrest Homes Nottawasaga Village Mason Homes Cloverlea Lindsay Mancini Homes Princeton Woods Democrat Homes Wasaga Sands Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay Fandor Homes Hamptons on Big Bay Point Grandview Homes Big Bay Point Grandview Homes Bear Creek Hollow Berkley Homes Wasaga Beach Ballymore Homes The Simcoe Ballymore Homes The Neptune Previn Court Homes Victorian Village Southpointe Homes Southpointe Rosehaven Homes King Country Estates Country Wide Homes King Country Estates Great Gulf Homes Summerlyn Village Fernbrook Homes Grand Central Melody Homes Sunflowers Zancor Homes Sunflowers Pristine Homes Timberwolf Lodge Oxford Homes Mount Albert Village Kingsview Homes Renaissance Collection Kaitlin Group Ltd. Blue Shores Grandview Homes Forest Beach Estates B.G. Schickedanz Lake Scugog Meadows North Alliance Homes RidgeHill Alliance Homes Jackson’s Landing Country Homes Alcona by the Lake Maple Lane Homes Wallace Mills Sandiego Homes Lakeside Living in Innisfil Senator Homes Lakeside Cove Sunfield Homes Centre Point Pristine Homes Pebbleshores Brandy Lane Homes Mountain Trails Stonebridge Building Group Stonebridge by The Bay Royalpark Homes Emerald Forest Delpark Homes Pretty River on Georgian Bay Mason Homes Just 4U Bremont Homes Centretown RAYMAC Homes Brennan Enclave Brookfield Homes Treetops Orchard Ridge Homes Treetops Rosehaven Homes Dreamfields in Bradford Regal Crest Homes Dreamfields in Bradford Country Wide Homes Dreamfields in Bradford Devonleigh Homes Inc. Creekside Devonleigh Homes Inc. Parkside by Devonleigh Devonleigh Homes Inc. Brownley Meadows Democrat Homes Maplewood Brookfield Homes Park Central Fram Building Group The Shipyards Briarwood Homes Briarwood Estates Lakeview Homes Greenbrook Village Briarwood Homes Pretty River Collingwood

De t Se ach m ed To i w n Co hom nd e o

# Si te IFC-Inside front cover

6 6 11 14 17 59 65 70 71 71 1 1 2 3 4 5 7 8 9 9 10 11 11 12 13 14 14 16 17 18 18 19 20 22 24 25 26 27 31 32 33 33 35 36 37 38 39 40 41 42 43 44 44 44 45 45 45 46 47 48 49 50 52 55 58 60

77

finances

Building your best

financial future at every age

Your twenties are a very exciting time of life,

financially. For example, perhaps you’ve graduated without any debts because you decided to remain living in your parent’s home.

Now you’ve got a couple of part-time jobs and you’re looking to rent a place with a friend. Or maybe you have a lot of school debt, but you lucked out on a high-paying job and you rent a very expensive palace alone. For the first time, you’re in charge of your financial decisions – and that can be overwhelming.

Sometimes it’s easier to relax your discipline, but then this can lead to bad habits that can leave you feeling very financially insecure in your thirties, forties and beyond. The experts at Desjardins Group have some great ideas on how to stay financially disciplined through every age.

Twenty-something Do you know where your money goes? By getting a handle on your spending now will benefit you in the long-term. The best way to do this is to create a simple and flexible budget. Make a list of your income and expenditures like rent, groceries, utilities, transportation, savings, fun and clothing. Also include a line for debt and for retirement savings. You might wonder why since retirement is decades away. But if you leave the money alone in a high-interest account, your money will grow thanks to compounding interest.

Thirty-something You have more purchasing power now that you’re established in your career. But that means it’s easy to pack on the debt, too.

Perhaps you’ve leased a car, you’ve taken a couple vacations, and maybe you’ve just had a really big wedding and a baby or two. If you were a diligent saver in your twenties, chances are you have a pile of cash put aside for that pile of bills on your desk. If the opposite is true, then it’s time to shut down the debt before it snowballs into your forties. Try to pay off your credit cards each

78 New home guide GTA | marCH 16 - 30, 2013

month, too. Or aim to pay more than the minimum. And always apply any new found money to your debt. During this decade also, try to put as much as you can afford into an RSP. You’ll really appreciate it in your forties.

Forty-something Now that your debt is under control, how are your savings?

Did you put away as much as you could for retirement and for emergencies? If you have kids, did you consider starting an RESP for their post-secondary education? If you were too focused on reducing your debt in the last decade, there’s still some time to catch up. Speak with a financial advisor about setting up an education fund for your child and about the best strategies for building your retirement savings.

For more information about these tips and to access financial calculators, visit Desjardins Group online atdesjardins.com. NC.

Grand Opening $ ,990 374 C ON T I N U E S

IN TOTTENHAM

THE HEARTLAND 33’ Lot starts from

SECOND FLOOR ELEVATION B

ELEVATION B - 2,081 SQ.FT. OR

GROUND FLO ELEVATION B

TOT T E N HA M

SALES PAVILION

Towns from 33’ Lots from SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm

$279,990

$354,990

Semis from

40’ Lots from

$314,990

$397,990

millstreethomes.com

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

inthenews

Acorn Homes set to

open the doors at Oak Knoll Imagine a new home community nestled

among rolling hills and nearly 100 acres of naturelands, yet located close to the city and all its amenities.

Imagine no more, for this is exactly what Acorn Homes is set to unveil with a Grand Opening on Saturday, March 23.

Acorn’s newest signature community of luxury homes is set by a 100-acre greenbelt reserve. Phase one, launching this month with preview prices from $599,900, includes exceptionally finished homes on 38 ft. lots, and 28 ft. single homes with detached garages in the rear. As Oak Knoll grows, it will become an urban community surrounded by peace and quiet.

Another unique feature about Oak Knoll is that, although comprising detached homes, it is a common element condominium community – meaning, homebuyers own their own homes outright, but pay a small monthly fee for roads and greenspace maintenance, and for other amenities.

Oak Knoll is Acorn’s fifth signature community in 80 New home guide GTA | marCH 16 - 30, 2013

Richmond Hill, this time at the highly desirable corner of Yonge Street and Bloomington Road. This central location lends itself to a plethora of local shops and services to the north and south, as well as major shopping destinations Upper Canada Mall and Vaughan Mills. Golf enthusiasts will enjoy a selection of premier clubs including Magna, Beacon Hall, King’s Riding and Summit. Families with children will have the option of several public and Montessori schools, all within a short drive.

Acorn is releasing two collections of homes on 28-ft. lots with two-car rear-lane garages and traditional 38-ft. lots with two-car garages. Each home will be designed and constructed to Acorn’s meticulous standards and will adhere to Energy Star’s performance requirements. Features and finishes will include clay brick and enriched stone exteriors with classic steep pitched roofs and decorative dentil board, nine-ft. ceilings, trimmed archways, custom fireplaces and luxurious master suites. Special planning was taken in the design and positioning of each home so it will fit seamlessly with the undulating topography of the site. This will allow numerous homes to feature walkout basements and beautiful views of nature.

To view all of the exquisite home designs and select the lot of your choice before the general public, register at acornhomes.ca. Preview appointments will take place at the Oak Knoll sales centre, located on Yonge, just south of Bloomington.

RICHMOND HILL’S MOST ANTICIPATED NEW COMMUNITY

Acorn proudly introduces a rare community of distinctive 28’ & 38’ detached homes backing onto nearly 100 acres of nature.

Prices starting from $599,900.

N

Bloomington

28’ CARRIAGE COLLECTION

Hwy 404

Yonge

SITE SALES CENTRE

38’ SIGNATURE COLLECTION

Presentation Centre Hours: Monday - Thursday: 1pm - 8pm; Saturday & Sunday: 11am - 6pm; Closed Fridays & Holidays Illustrations are artist’s concept. Prices and specifications are subject to change without notice. E.&O.E.

marCH 16 - 30, 2013 | New home guide GTA 81

communityfocus

At Mattamy’s Cornell,

you’ll find higher standards come standard

T

here’s something special that you’ll feel the minute you set foot in the community of Cornell. There quite simply is no other new home community like it. It has earned numerous awards for community design and has become a “must see” location for anyone looking to live in Markham. It is home to more than 650 families. It is a place where families connect with one another and take great pride in the day-to-day life and rhythms of the neighbourhood.

And now, Mattamy is down to its final release of townhomes and 36-ft. detached homes in this fabled community. These homes are the very last homes of their kind to be built in this inspiring community and they come with standards that raise the bar on standards.

For example, the townhomes have nine-ft. ceilings on the main floor. The sense of space reminds you of those grand old homes that were dominant more than 100 years ago. You’ll also find an eye-catching oak staircase adding great presence and warmth to the main floor.

Not to be outdone, the 36-ft. detached homes offer dramatic nine-ft. ceilings, oak stairs, beautiful hardwood floors as well as granite countertops in the kitchen.

82 New home guide GTA | marCH 16 - 30, 2013

Cornell is at its best if you go for a stroll or a slow drive.

You’ll see interesting streetscapes with homes close to the street, many with front porches, which add to the overall friendly feel of the neighbourhood. You’ll also notice a lack of cars sticking out the front of each home. Cars are kept in their place in rear lanes. And those rear lanes do double duty by offering a great place for a Saturday morning game of ball hockey.

This is a community with its own schools, parks, playgrounds and a neighbourhood shopping district that offers convenience and stays faithful to the residential look of the community. Homeowners really appreciate the friendliness of the streets in Cornell.

There is a touch of elegance to the streets in Cornell with superb exterior architecture greatly influenced by Georgian, Craftsman, Italianate, French Manor and Tudor styles. Brick, stone, stucco and extremely durable, all-weather Hardi-board add variety and vibrancy to the streets.

Cornell has garnered national attention for its urban planning and diversity of style. It is a community planned around the simple idea that people should have more than

MATTAMY HOMES Cornell

01

02

just a home; they should have an entire neighbourhood to explore and enjoy. Families who live here enjoy many Mattamy organized community events such as barbecues, flower festivals and holiday tree lightings. This is a very friendly place to live, the kind of place where neighbours become friends. It feels very much like a small Ontario town.

There is a major hospital right next door to the community and easy routes into the city are minutes away. Cornell is also close to downtown Markham, which is one of the fastest growing cities in the province, yet still maintains the heart of a small Ontario town. The pleasant town of Unionville is close at hand and you’ll find great boutiques, restaurants, nightlife available for a pleasant evening’s stroll.

Mattamy is one of the original builders of this award-winning neighbourhood, so the company was in on the initial planning that helped create a truly unique living experience where higher standards come standard.

Higher standard detached homes in Cornell start at $595,990 and higher standard townhomes are available from $397,990.

The Cornell sales centre is located at 650 Cornell Centre Blvd., Markham, 905.471.1133. Sales centre hours are Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., weekends and holidays 11 a.m. to 6 p.m.

03

01 Entertain In your magnificent chef’s kitchen 02 Cornell streetscapes offer a variety of architecture 03 Families enjoy parks and playgrounds scattered around the neighbourhood

location Markham housing type Townhomes and 36-ft. detached homes sales centre 650 Cornell Centre Blvd., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., weekends and holidays 11 a.m. to 6 p.m. contact 905.471.1133 | mattamyhomes.com

For more information, visit mattamyhomes.com marCH 16 - 30, 2013 | New home guide GTA 83

sHoppIng 2013 Home Décor and Renovations

guide

2013 issue now available!

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

Love to shop?

free

sHoppIng 2013 Home Décor anD renovations

guIde

shop your way

across the gTA

Our 2013 shopping guide profiles some of the GTA’s top home and décor shops and services.

Yanic Simard’s

trend watch

Inspiration in

emerAld CITy a special advertising supplement

SG cover 2013.indd 1

1/11/13 4:23:35 PM

416.626.4889

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

Artist’s concept

Large freehold

TOWNS in Markham

The

Rouge Brook 1,857 sq.ft.

MARKHAM

You receive 1 bathroom for every bedroom... ...an amazing 3 1/2 baths available on our spacious freehold townhomes!

PLUS*

✔ Natural Oak Stairs ✔ Smooth Ceilings ✔ Glass Showers ✔ Strip Hardwood in Living/Dining ✔ Upgraded Cabinetry Sales office located at the S/E corner of Markham Bypass and 16th Ave.

LARGE FREEHOLD TOWNHOMES STARTING FROM THE

450’s

$

from 1,737 sq.ft.

LIMITED TIME OFFER • DECORATED MODELS NOW OPEN

foresthillhomes.ca or 905-472-0229

* As per applicable Bonus and floor plan, applies to firm purchases only between March 15th and April 30th, 2013.

May not be included in finished/inventory homes. See sales representative for details. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E,

marCH 16 - 30, 2013 | New home guide GTA 86

marCH 16 - 30, 2013 | New home guide GTA 87

inthenews

Impressions in the Village of

Kleinburg makes quite an… impression

Every once in a while a good news

story comes around that is really worth sharing.

Such is the case with the recent grand opening of Impressions in the Village of Kleinburg – during which more than 200 homes were sold over four days.

You may know Kleinburg as the historic village that is home to the McMichael Canadian Art Collection art gallery, but it will also soon boast a new master-planned community from a trio of top GTA builders.

Fieldgate Homes, Arista Homes and Paradise Homes have teamed up to present Impressions, offering freehold towns and semis from the upper $400’s, as well as 30-, 38- and 44-ft. detached singles from the upper $500’s.

“You simply won’t find a collection of towns, semis and singles like this one. Not in Kleinburg, Vaughan, Woodbridge or anywhere else,” the builders say.

Located in the desirable village of Kleinburg, known for its friendly atmosphere and smalltown feel, you are sure to enjoy the harmonious lifestyle that this one-of-a-kind town offers.

Enjoy the surrounding picturesque greenspace that artists dream to create, and live in a home that offers you and your family the ideal lifestyle we all desire.

“The community is a wonderful piece of 88 New home guide GTA | marCH 16 - 30, 2013

property, which will have a great number of features built within the community – schools, parks, there’s over 75 acres of greenspace throughout the community,” says Jim Andrews, director of sales and marketing for Fieldgate Homes. “It’s going to be wonderful.”

Adds Ron Baruch, executive vice-president and principle of Paradise Homes, “What’s great about Kleinburg is access to every part of the GTA. We’re providing value and accessibility to a future flagship community, full of amenities and access to all the roads that lead to the GTA.” Besides proximity to the GTA, Kleinburg is also rich in heritage, tradition and family values, and is an up and coming community, according to Maor Shpans, sales and marketing manager for Arista Homes.

With a variety of new-home options, Impressions is sure to appeal to a number of different types of new-home buyers, from couples just starting out to young families and more.

“One of the really wonderful parts of this community is that we have townhomes, we have semi-detached homes, we have singles linked at the garage, we have 30-ft. singles, we have 38-ft. singles and we have 44-ft. singles,” says Andrews. “(It’s) a wonderful cross section that can probably satisfy almost everyone’s needs from a new-home standpoint.”

“We have truly a myriad of plans, from laneway townhomes through semis and small singles, in addition to walkout 40-ft. lots that line a greenbelt,” says Baruch. “We have great, great floorplans, open concepts, nine-ft. ceilings on both the first and second floors and 10-ft. ceilings in the master bedroom.”

For more information, visit impressionskleinburg.com

Introducing Our

New 50’ Design!

THE ASHBERRY on a 50’ lot

429

,900

$

SECOND FLOOR ELEVATION B

OR GROUND FLO ELEVATION B

SUTTON Jackson’s Point

The Ashberry - B. 2,878 sq. ft.

Come Tour our Fully Decorated Models!

Townhomes starting from $266,900 42 ft. Singles starting from $335,900 • 50 ft. Singles starting from $378,900 SALES OFFICE: 4950 Baseline Road, Sutton, ON, L0E 1R0 Mon. - Wed. 1pm - 8pm. | Thurs. & Fri. by appt. only. | Sat., Sun. & Hol. 11am - 6pm

1-877-455-0201 • LakesideMeadows.ca

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

marCH 16 - 30, 2013 | New home guide GTA 89

2012 EDITION FREE

YOUR FIRST

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

WHAT YOU NEED TO KNOW ABOUT

MORTGAGES

SPECIALION: CONDO SECT

N URBA LIVING

The Guide to Buying and Managing Your First Home CONDO IN THE CITY OR LOWRISE IN THE SUBURBS:

what are your

options?

416.626.4889

SPECIAL EDITION

YFH Cover FEB2012_FEB14.indd 1

2/7/12 6:33:05 PM

90 New home guide GTA | marCH 16 - 30, 2013

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

LIVE IN ORILLIA

Live in Orillia’s premiere new home community and enjoy the ideal mix of value and features.

Perfectly located in the heart of West Ridge Place with restaurants, theatre, health services, retail stores, parks and woodlands just a short stroll away, the SmartLot is proving to be a Smart Buy! Look no further for desirable streetscapes with tremendous curb appeal, community living at its best and solid investment security.

FEATURING EXECUTIVE TWO STOREYS & BUNGALOWS • Stone and Brick Veneer • Hardwood Floors • Oak Stairs • Walkout Lots • Walking Distance to Lake Head University

452 Nineteenth Ave. Richmond Hill, ON L4E 3P7 905-773-9997 info@mancinihomes.ca mancinihomes.ca “THE ALPS“ MODEL

“THE FUJI“ MODEL

NOW OPEN Trailside Freehold Townhomes and Singles Starting from

3127 Stone Ridge Orillia, ON L3V 1T4 705 329-3330 info@mariposahomes.ca mariposahomes.ca

$249,000

“THE ELISSA” MODEL

“THE MERIDIAN” MODEL marCH 16 - 30, 2013 | New home guide GTA 91

ONTARIO’S

PREMIER

GUIDE

TO

ADULT

LIFESTYLE

COMMUNITIES

COMMUNITIES WALTER GRETZKY’S

health tips for active adults HOW TO BRING

big style to your small space

TAKE AN ADVENTURE

“cruise” down the Colorado River

FR E E

FALL 2012

LC_Cvr_Fall 2012_FIN.indd 1

Design · Decor · Lifestyle · Travel

Focused on resort and golf course communities for today’s active adults.

Available throughout the Greater Toronto Area and Southwestern Ontario.

9/10/12 6:00:17 PM

FALL 2012 edition available now!

For your free copy please call 416.626.4889 92 New home guide GTA | marCH 16 - 30, 2013

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

March 16 - 30, 2013

Showcasing new homes in the GTA’s west region

IN THIS SECTION

>> Maps and listings for new-home communities in the west region >> Builder news and the latest in new homes in the west region

94

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24

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Fi M ap nd er

1

Vandyk Communities

Windows on the Green

vandykcommunities.com

4

Conservatory Group

Central Park North

905-890-0195

•

•

from $465,000

7F

9

Regal Craft Homes

The Neighbourhoods of m

905-828-7888

•

• •

from $305,000

4f

14

Eden Oak

Estates of Credit Ridge

www.edenoak.com •

from $450,000

19

Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

8B

20

Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $500,000

8B

23

Dunpar Homes

Park View Trail

416-253-5888

•

from $449,000

11F

27

Dezen Homes

Ravines on Fletcher’s Creek

905-814-7846

•

from $695,000

8B

45

ELM Developments

Baker’s Lane

905-771-8880

• •

from $480,000

13H

Site

Tel

Price Range

• from $270,000

Page No.

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De ta Se ch m ed To i w Co nho nd m o e

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Attention Builders Want to add your community to our maps?

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Please fax the details to (416) 789-9554

34

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Landscapes

905-893-3331

2

Monarch Corporation

The Village of Southfields

6

Price Range

Page No.

• •

from $390,000

15 8M

thevillageofsouthfields.ca •

• •

from $390,000

35 6L

Starlane Home Corporation Gates of Countryside

starlanehomes.com •

from $520,000

27 9M

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

•

from $250,000

8 6P

9

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com •

•

from $200,000

8 & BC 6P

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $287,000

8 10N

21 Primont Homes

Centretown

905-495-5067

• •

from $356,000

12 9M

•

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

•

from $430,000

41 9Q

45 Brookfield Homes

Pathways

905-584-2225

•

from $390,000

17 8K

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

from $400,000

1 7Q

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $410,000

25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $397,000

103 6P

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $379,000

5 9M

from $570,000

27 10k

67 Starlane Home Corporation Rivers Edge

starlanehomes.com •

2

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

6

National Homes

Gates of Countryside

416-746-1234

from $290,000

9M

6

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

9M

6

Greenpark Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

8

Great Gulf Homes

Castlemore Crossing

905-793-5607

•

from $616,000

10J

10 Stanford Homes

Fletcher’s Meadow

905-456-9398

•

from $292,000

6o

11 Berkshire Homes

Credit Springs

519-938-8449

•

from $434,000

3D

13 Conservatory Group

Walnut Grove in Spring Valley

905-455-2725

•

•

from $250,000

6P

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

• from $300,000

8N

30 Gold Park Homes

Castlemore Crossing

905-794-0366

•

from $285,000

10K

32 Forest Hill Homes

Ravines of Castlemore

905-794-8875

•

from $520,000

8K

33 Monarch Corporation

Strawberry Fields

905-843-0707

•

•

from $390,000

6M

33 Coscorp Inc.

Strawberry Fields

905-843-8989

•

from $310,000

6M

36 Greenpark Homes

Castlemore

greenparkhomes.com •

from $355,000

11L

37 Oxford Homes

Adena Ridge

905-584-6444

from $600,000

5H

38 Andrin Homes

Turnberry Townhomes

AndrinTowns.com

•

from $320,000

9M

44 Falconcrest Homes

Timberbank Manors

905-230-4663

•

from $310,000

6P

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $450,000

7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $450,000

7Q

50 Mosaik Homes

The Estates of Spring Valley

905-216-4806

•

•

7P

51 Acorn Homes

Castlegate

acornhomes.ca

•

from $498,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

6P

57 Rosehaven Homes

Riverstone’s Rivers Edge

416-410-0175

•

from $710,000

10K

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $250,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

•

•

•

6L

8L

Brampton, Caledon, Bolton

Builder

west region:

Fi Map nd er

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Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

rk

Rd

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20

Price Range

Page No.

13 Heathwood Homes

The Village at Traditions

905-876-3140

•

•

from $418,000

41 8h

13 Heathwood Homes

Traditions Heathwood

905-876-3140

•

•

from $890,000

41 8h

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

•

from $283,000

9 9G

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

•

from $420,000

6-7 9C

2

Great Gulf Homes

Edgewood

905-356-9408

•

from $289,000 12Q

3

Double Oak Homes

Silver Creek Hollow

905-702-8388

•

from $600,000 9d

4

Conservatory Group

Milton Heritage Homes

905-875-1953

•

•

from $275,000 9g

5

Fieldgate Homes

Milton Trails

416-623-1327

•

from $380,000 9H

5

Arista Homes

Milton Trails

905-864-3306

9h

9

Branthaven Homes

Origins

branthaven.com

•

from $300,000 10M

11 Tobyn Park Homes

Village of Walkers Green

905-319-8455

•

from $270,000 11l

12 Tobyn Park Homes

Park City

parkliving.ca

13 Lakeview Homes

Morrison Village

1-800-565-5150

•

15 Rosehaven Homes

Waterdown Meadows

waterdownmeadows.com •

• from $180,000 11l

• • 11R

• 8m

18 Parkbridge Lifestyle Communities Inc. Antrim Glen

1-800-856-4318

•

from $250,000 1O

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $250,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $290,000 6B

27 North Star Homes

Valleygreen

northstarhomesinc.com •

from $310,000 9H

28 Intracorp

Foothills

905-864-8997

•

from $490,000 8H

34 Phelps Homes

Lakeside Estates

phelpshomes.com •

from $696,000 5Q

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

38 Phelps Homes

Magnolia

phelpshomes.com •

from $400,000 7R

• • 8m

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

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Site

Fi Map nd er

Builder

De ta Se che m d To i w n Co ho n d me o

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

Need to update existing information?

Please fax the details to (416) 789-9554

d

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

Rd

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Page No.

Mattamy Homes

The Preserve

mattamyhomes.com

•

•

from $610,000

15

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

3

Dawn Victoria Homes

North Morrison House

905-822-5000

8

Fernbrook Homes

Bronte Creek

905-847-6377

•

from $550,000

3G

8

Legend Creek Homes

Bronte Creek

905-827-6441

•

from $410,000

3F

8

Branthaven Homes

Bronte Creek

905-847-5376

• • from $470,000

3G

8

Monarch Corporation

Bronte Creek

416-495-3563

•

from $670,000

3G

9

National Homes

Glen Abbey at Westmount

416-746-1234

•

4G

9

Century Grove Homes

Upper Glen Abbey Estates

905-465-1379

•

•

from $470,000

3G

14

Tribute Communities

The Courtyard Condominium Residences 905-257-6200

• from $260,000

5D

16

Rosehaven Homes

Woodland Trails

liveinoakville.ca

• from $540,000

• •

from $420,000

9

4E

6-7 3G

7D

4D

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

De ta Se che m d i To w Co nho n d me o

# Si te 1

Builder

101

trendspotting

colour punch

by elisa krovblit

All beiged and greyed out? Me too. Strong colours and rich hues are alluring and on-trend. While few people are willing to go full colour on all the furniture in their home, throwing punches of colour into the scheme with accent pieces – not just accessories – brings a strong modern edge to any décor!

IKEA PS Cabinet. $129.

1 visit Ikea.ca

Flynn Ottoman in Saffron. $249.

2 Visit Urbanbarn.com

Spider Coat Rack. $100.

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4 Visit PBteen.com

Chloe Leather Chair in Mont Blanc Cupid. $1,899.

5 Visit crateandbarrel.ca

102

BRAMPTON

NOW OPEN

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1

" FAMILY

F

P

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Kitchen with island, breakfast bar, and patio walk-out

2

Main floor den — perfect for home office

3

Side entrance to future basement apartment

4 5 6

Master bedroom with walk-in closets and luxurious ensuite Three full bathrooms on second floor

DN DEN

DINING

"

DINING

UP

D

UP

DN

D

3UP

Queen St.

LIVING

UP

Hwy. 407

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5

SH

SH

"

LIVING

5 "

CL

5

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UP OPEN TO ABOVE

OPEN TO ABOVE PWD

"

PWD

OPEN

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BELOW

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FOYER

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SALES OFFICE 9806 James Potter Road Brampton (905) 459-5772

DN ENSUITE ENSUITE

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LAUNDRY LAUNDRY DN

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"

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James Potter Rd.

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"

DEN

LIN

2

FOYER

Chinguacousy Rd.

Ashley Field Rd.

"

"

Second floor family room with separate staircase Bovaird Dr.

Mississauga Rd.

DN

LIN

LIN

4

S KITCHEN KITCHEN " " " "

Before you buy, see the Great Gulf difference: 1

"

"

LIN

$489990

FAMILY

LIN

$ 396990

S

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34 & 40 ft. Detached 1,755 - 3,600 sq. ft. from

DW

RAILING

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DW

RAILING

BOVAIRD & CREDITVIEW!

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The Orchid, 3,365 sq. ft .

GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area.

Sales office hours: Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri.

"

communityfocus

ROSEHAVEN HOMES – Lyon’s Creek Models under construction at Lyon’s Creek in Chippawa’s best location!

V

isitors will be in for a real treat as construction of model homes is underway at Lyon’s Creek where Rosehaven is offering a spectacular collection of stunning new homes in Chippawa’s finest location.

With the excitement of Marineland and Niagara Falls so close, Lyon’s Creek’s setting in the secluded south side of the Welland River is by far the more sought-after residential area with the neighbourhood’s major amenities being situated there, including shopping, schools, sports facilities, park – even a golf course.

Designs being offered at Lyon’s Creek are proving to be real showstoppers. A particular favourite is the exciting new collection of freehold 35-ft.-wide townhome bungalows up to 2,728 sq. ft. with loft option – perfect for those who are ready to move out of their large family home but not ready to give up space or interesting design. With their surprisingly spacious floor layout, double car garage and long list of luxury features, these amazing low maintenance townhome designs offer that detached home feeling from the low $300’s.

Purchasers at Lyon’s Creek can also choose from a wide selection of 45- and 50-ft. singles, semis and freehold towns with a new release of 50-ft. lots coming soon for some of the most popular designs.

Homes here are truly grand, with covered porches and balconies, coffered and vaulted ceilings, master bedroom suites with walk-in closet, gourmet kitchens with breakfast bar and island, soaring nine-ft. main floor ceilings, dramatic eight-ft.-tall front entry doors and elegant gas 104 New home guide GTA | marCH 16 - 30, 2013

location Chippawa housing type Freehold 35-ft.-wide townhome bungalows, 45- and 50-ft. singles, semis and freehold towns with a new release of 50-ft. lots sales centre 4210 Lyon’s Creek Rd. contact rosehavenhomes.com

fireplaces. All homes in this high quality community are being built to Energy Star standards of energy efficiency.

Lyon’s Creek is surrounded by beautiful valley lands and dense forest, in the picturesque historic town of Chippawa.

Spend a languorous afternoon touring the scenic beauty of Ontario’s Wine Country, sampling the fruits of the region at one of

ROSEHAVEN HOMES

Lyon’s Creek

the many wine festivals. Or stroll thorough the historic village of Chippawa, with its unique shops, antique boutiques and restaurants that exude an authentic smalltown atmosphere. Niagara’s world-class attractions and casinos are just a short drive away. Whether you feel like hiking or biking the trails, canoeing on the river, or taking in a round of golf, Lyon’s Creek is the perfect location for a vibrant and healthy lifestyle.

Four detached and two townhome model homes will be ready for viewing later in the spring. But as pre-construction pricing will end soon, interested purchasers are urged to visit ahead of the crowds. For the presentation centre at 4210 Lyon’s Creek Rd., take the QEW to Lyon’s Creek Rd., then east on Lyon’s Creek to Sodom Rd. and the sales office. Register now for the upcoming model home viewing and to stay informed about the new 50-ft. detached lot release at rosehavenhomes.com marCH 16 - 30, 2013 | New home guide GTA 105

»» now available!

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Observing actual birds tweeting ENJOY BIGGER BACKYARDS THAT DRAW YOU OUTDOORS SPECTACULAR HOMES ON LOTS 100’ TO 200’ DEEP At Eby Estates not only will your beautiful, big backyard call you outdoors, but so will the Eby Estates community. We’re located just minutes from Hwy 8, great shopping, dining, schools and public transit. Enjoy a spectacular home with inspired architecture and unique stone and brick accents. Choose from 30’, 36’ and 40’ lots.

2012

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LEARN MORE AT: williamsburghomes.ca or 519.208.5834

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Gravel Ridge Trail

Fischer-Hallman

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Conestoga Parkway

7/8

Bleams Rd.

HWY #8

Exit #278

401

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

marCH 16 - 30, 2013 | New home guide GTA 107

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1 3 2 Adornments on Queen Keep your jewellery and accessories organized while hiding it all from view with this nifty Floor-Standing Jewellery Cabinet and Cheval Mirror. Available in black, white and walnut. Get 15 per cent off this piece when you mention Home Decor & Renovations magazine at checkout. Offer valid from March 16 to April 19, 2013.

338 Queen St. E., Toronto | 416.955.4791 Visit adornmentsonqueen.com

3 bayden cabinetry

2

Luxurious top-of-the-line vanity designed by Bayden.

High-quality finish with self-closing full extension drawer slides and crystal hardware. As shown with Bianco Carrara counter, sink and faucet. Regular price is $4,499 and the promotional price is $3,999.

Offer valid from March 16 to April 19, 2013.

315 Supertest Rd., Toronto | 416.818.8143 Visit bayden.ca

108 New home guide GTA | marCH 16 - 30, 2013

4 x-tile canada

4

Changing up your floors is a breeze with X-Tile’s Easy, Habitat, Serena and Touch series that now come in 17 beautiful colours. This contemporary and versatile look will give the impression you spent a lot more than you did on your flooring. At $1.99 per sq. ft., this is X-Tiles’ best deal to date! Valid from March 16 to April 19, 2013.

78 Signet Dr., Unit 6, Toronto | 416.749.7111 563 Queensway E., Mississauga | 905.949.8453 for Showroom Hours Visit x-tile.net

5 5 K-Wood Kitchens Getting organized never looked so stylish. Now with a special offer from K-Wood Kitchens, you can install sliding closet doors, size starting from $500. If you are the DIY type, they can be yours starting from only $300, size 36-in. by 96-in. Available in mirror, wooden panels, glass and laminated glass. These are all made of real glass. As for patterned glass, these are available but must be custom-made; please inquire for cost. Hardware included. Offer valid from March 16 to April 19, 2013.

36 CONTINENTAL PLACE, SCARBOROUGH | 416.332.0381 KWOODKITCHENS.COM

6

6 alta moda In need of a bedroom update? All Solid Wood Durham Furniture is on sale for 10 per cent off regular price. Don’t miss this great opportunity to save 10 per cent off the finest Canadian made bedrooms around. Check our website for the discounted price. Now through April 2, 2013. No exceptions.

680 rivermede rd., concord | 416.636.5495 visit altamodafurniture.COM

marCH 16 - 30, 2013 | New home guide GTA 109

Model Home Compliments of Great Gulf www.greatgulf.com

This luxurious open-concept kitchen is just one of the many features of the stunning Ascot model at Great Gulf’s King Oaks neighbourhood in King City.

MARCH2013

great gulf has been featured as “model home of the month” as seen in the new home guide model home calendar

homebuyers’help

HomeBuyers’ Resource Section You love the home, see what you can afford!

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

marCH 16 - 30, 2013 | New home guide GTA 111

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

mortgage amount ÷ 1,000 (mortgage amount $125,000)

125

Follow these steps to see if you’ll qualify for a mortgage on your dream home

01

05

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

02

06

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

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

03

07

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

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice.

(Most first-time buyers take the 25-year amortization.)

112 New home guide GTA | marCH 16 - 30, 2013

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less.

Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

monthly payment

$

Mortgage payment calculation chart %

Amortization Periods

Interest Rates

10 years

15 years

20 years

25 years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76 4.90

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19 5.34

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 marCH 16 - 30, 2013 | New home guide GTA 113

Compare mortgage rates for your best deal 6 Months

1 Year

ATB Financial 2.8

CHARTERED BANKS

4 6.30op

3.1 6.30op

3.14 3.7 4.39 6.50op

3.19

Alterna Svgs/Alterna Bk 3

4 6.30op

3.05 3.09 3.09 3.29 6.30op

3.24

Bank of Montreal 3.1

4 6.30op

3 3.04 2.79 2.99 6.30op

3.09

Bank of Nova Scotia 3

4.55 6.45op

3.75 2.69 3.99 4.39 6.50op

4.99

Canadian Western Bank

4 6.45op

3 3.04 3.65 4.64 6.30op

5.24

CIBC 3.2

6.70op

3 3.14 3.65 2.99 6.35op

5.24

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

ICICI Bank Canada

Variable

4.45 6.20op

3.05

ING Direct

3

Laurentian Bank n/a

4.4 6.70op

Manulife Bank 3 4.45

2 years

3 years

4 years

5 years

3.15

3.65

3.64

3.69

3.44

3

3

2.79

3.25

3.08

3.09 3.14 3.7 3.64 6.30op

3.79

3 3.05 3.1 3.1 4.00op

3.09

MonCana Bank

2.94

2.99

3.04

National Bank n/a

3.1 3.14 3.7 3.19 6.30op

3.79

President’s Choice Finan

4 6.70op

3.2

Royal Bank 3.2

4 6.30op

TD Canada Trust 3.2

2.94

3.2

2.94

3.35

3.44

3 3.04 2.99 4.64 6.30op

3.24

3.29

3 3.04 2.79 2.99 6.30op

TRUST COMPANIES

n/a 2.99 3.1 3.5 3.64

AGF Trust

Community Trust

n/a

3.1

Effort Trust n/a

4.45 6.30op

3.25 3.6 3.9 4.5 6.30op

4.95

Home Trust Company

2.49

3.95

2.89

4.64

3.14

6.5

3.2

3.35

3.19

5.24

3.95

2.74

3.15

2.99

Investors Group Trust n/a

4 6.50op

3 3.14 3.65 4.64 6.30op

5.24

MTCC 3

4.55 6.45op

3.75 2.69 3.99 4.39 6.50op

4.99

OTHER FINANCIAL INSTITUTIONS

Airline Financial C.U. 4

2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.29

First National Fin. LP

3.95

2.74

2.99

3.09

FirstOntario C.U. 2.79

6.34op

3.09 3.19 3.24 3.29 6.34op

3.12

London Life n/a

3 3.14 3.65 4.64 6.30op

5.24

MCAP 2.9

3.6 3.95 4.35 4.89 7.00op

5.24

Meridian Credit Union 2.85 4.45

3.1 3.14 3.7 3.4 6.30op

3.19

Parama Credit Union

2.9

3.1

3.15

3.15

3.25

3.5

Steinbach Credit Union

2.5

2.5

2.6

2.8

2.9

3.1

3.05 6.50op

3.15

2.79

3.89

3.19

Teachers Credit Union 4

4 6.50op

4.45 6.30op

2.69

2.79

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice.

R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Feb. 25, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | marCH 16 - 30, 2013

hot sheet GTA

BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

new openings Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Model homes open March 2 for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca

Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Fieldgate/Madison/ Arista/Forest Hill Homes Richmond Hill – Jefferson Forest The wait is over – freehold townhomes and detached singles on crescents and cul-de-sacs in a ravine setting. iloveforest.ca Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com

Dunsire Developments Kitchener – Mill Creek Village Grand opening on now – one-, two- and threebedroom townhome designs. millcreekvillage.ca Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages.

Eight models now open. cornellrouge.com Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands. ballantryhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca

National Homes Toronto – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca

Decade Homes Toronto – Yorkdale Village Grand opening of one- and two-storey townhome close to subway, Yorkdale Shopping Centre and Hwy. 401. yorkdalevillage.com

Brookfield Homes Mono – Fieldstone Now open – single-family homes on 60- and 70-ft. homesites. myfieldstone.ca

Fieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com

Menkes Georgetown – The Enclaves of Upper Canada Now previewing – Semi-links and detached homes in Georgetown. menkes.com

Aspen Ridge/CountryWide Homes Kleinburg – Kleinburg Hills Grand opening of single family homes on 40- and 50-ft. lots near Hwy. 27 and Major Mackenzie Dr. kleinburghills.com

Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net

Menkes North York – Bloom Park Towns Now open – townhomes at Bathurst St. and Finch Ave. menkes.com

Primont Homes Brampton – Centretown Now open – townhome and single designs. primonthomes.com

Geranium Homes Stouffville – Cardinal Point Grand opening of two new two-storey model homes in this master-planned ravine community. geraniumhomes.com

Monarch Corporation Kleinburg – Kleinburg Crown Estates Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net

National Homes Markham – Wismer Woods Now open in Markham – luxury detached homes from $679,900. nationalhomes.com

Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41and 45-ft. lots. lovemountpleasant.com

Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com

Glen Rouge Homes Ajax – The Cornerstone Now open, featuring 16 single-detached homes on 42-, 45-, 48- and 50-ft. lots, north of Hwy. 401, a short distance to the Ajax GO Station. glenrougehomes.com

Mattamy Homes Brampton – Mount Pleasant North Now open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots. mattamyhomes.com

new RELEASES

Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com Rosehaven Homes Oakville – The Randall Residences Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

Lakeview Homes Shelburne – Greenbrook Village Phase 2 now open – 40-ft. homes in Shelburne. greenbrookvillage.ca Primont Homes Brampton – Castlemore Now open – prime towns, semis and singles in a ravine setting. primonthomes.com Great Gulf Homes Oshawa – Stonecrest Last chance to purchase semis and 30-ft. singles. greatgulf.com Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca Fieldgate Homes Vaughan – Vaughan Valley Estates New release – selection of 41- and 50-ft. luxury singles on traditional lots. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com

marCH 16 - 30, 2013 | New home guide GTA 115

Ontario’s Most-Read New Homes Group We are the largest magazine distribution system in Ontario.

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BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com.

Please say you saw it in New Home Guide!

Great Gulf Brampton – Mount Pleasant Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com CountryWide Homes Kleinburg – Kleinburg Hills Coming in spring – new community of luxury detached homes. kleinburghills.com Brookfield Homes Tottenham – Willow Glen Register now for these towns and singles from the $200’s. brookfieldhomes.ca

Lebovic Homes Pickering – Lebovic Homes Grand opening of large luxurious freehold townhomes, semis and detached homes. lebovichomes.ca Yorkwood Homes Richmond Hill – Hillside Manors Now previewing – luxury town manors, with greenbelt lots available. hillsidemanors.ca Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs.

Discover a lifestyle infused with nature.

Register now! monarchgroup.net Alliance and Cosmopolitan Homes Beeton – West Country A community of bungalows and two-storey singles in a natural setting. mywestcountry.ca

preview registration

Bremont Homes Brampton – Crown of Creditview and Nobleton An elite collection of estate homes in two private enclaves, from the $700’s. bremonthomes.com

CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca

Treasure Hill Homes Richmond Hill – Urbantowns at Bayview Coming soon – register now freehold townhomes at Bayview and Hwy. 7. treasurehills.com

Mosaik Homes Brampton – Castlemore Crossing & The Estates Of Credit Ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com

Treasure Hill Homes Aurora – Aurora Woods Coming in March – 36-, 40- and 45-ft. luxury singles at Bayview Avenue and Vandorf Side Road. treasurehills.com

Brookfield Homes Oshawa – Hills of Harrowsmith Coming soon – two-storey designs on 30- and 36-ft. lots. brookfieldhomes.ca

Ballantry Homes Oakville – Oak Park Register now for this collection of urban townhomes and midrise condominiums. ballantryhomes.com

Highcastle/Delpark/Esquire Bowmanville – Northglen Pre-construction pricing on bungalows, singles, towns and semis. northglen.ca

Heathwood Homes Richmond Hill – Hampshire Mews Coming soon to Richmond Hill – an exciting new community. heathwood.com

Acorn Homes Richmond Hill – Oak Knoll Unveiling soon – distinctive 28- and 38-ft. single-detached homes backing onto nature. acornhomes.ca

Averton Homes Mount Albert – Victoria Highlands Preview opening for this community of bungalows and two-storey homes. victoriahighlands.com

Mattamy Homes Milton – Hawthorne Village On The Escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com

North Star Homes Cookstown – Millfair Village Coming soon – luxury 50- and 60-ft. singles in the heart of Cookstown. mymillfair.com

Ballantry Homes Oakville – OakPark Register now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.com

Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.com Madison Homes Richmond Hill – Jefferson Forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca

Countrywide/Greenpark/Royalcliff/ Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca Oskar Group/Ashley Park Maple – Le Sedici Villette A limited offering of three-storey executive townhomes up to 2,400-sq.-ft. lesedici.com

Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com

National Homes Brampton – Claireville Coming soon – affordable townhomes up to 2,200 sq. ft. near Claireville Conservation. nationalhomes.com Delpark Homes Sutton – Cedar Ridge Coming soon – register now for towns and singles from the upper $200’s. delparkhomes.ca Brookfield Homes Uxbridge – Foxtrail Register now for bungalow townhomes from the high $300’s. brookfieldhomes.ca

marCH 16 - 30, 2013 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

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25

Ballantry Homes - Cornell

5

Fieldgate Homes - Valley Lands

25

Ballantry Homes - Spring Valley Village

5

Fieldgate Homes - Vaughan Valley Estates

Ballantry Homes - The Neighbourhoods of OAK PARK

5

Fieldgate Homes - Victoria Manor

25, 30-31

25

Ballymore Homes - Lakeside Meadows

89

Forest Hill Homes - Cornell Rouge

Ballymore Homes - Mill Street Village

79

Geranium Homes - The Neighbourhoods of Cardinal Point

Beaverbrook Homes - Victoria Highlands

33

Great Gulf Homes - Model Home of the Month

110

Briarwood Homes - Mill Street Village

79

Great Gulf Homes - Mount Pleasant

103

Brookfield Homes - Fieldstone

17

Great Gulf Homes - Stonecrest

65

Brookfield Homes - Foxtrail

17

Heathwood Homes - Terracotta Village at The Credit Valley

41

Brookfield Homes - Grand Central

86

Heathwood Homes - The Village at Traditions

41

Brookfield Homes - Grand Valley Trails Brantford

17

Heathwood Homes - Traditions Heathwood

41

Brookfield Homes - Hills of Harrowsmith

17

LeBovic Homes - Old Taunton in Pickering

61

Brookfield Homes - Pathways

17

Lifestyle Communities - Promo

92

Brookfield Homes - Willow Glen Tottenham

17

Madison Homes - Cornell Rouge

118 New home guide GTA | marCH 16 - 30, 2013

21 & 85

22-23

11 & 21

Madison Homes - Greensborough

11

Madison Homes - Thornhill

11

Mancini Homes - West Ridge Palace Orillia

91

Mariposa Homes - West Ridge Palace Orillia

Primont Homes - Centretown

12

Primont Homes - Harmony

13

Primont Homes - Heirloom in Markham

13

91 Reid’s Heritage Group - Eby Estates

Mattamy Homes - Cornell

9

Mattamy Homes - Hawthorne Village

9

Mattamy Homes - Mount Pleasant North

8

Mattamy Homes - Mount Pleasant Village

8 & BC

Mattamy Homes - Salisbury Square

8

Mattamy Homes - The Preserve

9

Mattamy Homes - Wildflowers

8

107

Rosehaven Homes - Corporate

29

Schwarz Law LLP - Barristers & Solicitors

39

Shopping Guide - Promo

84

Starlane Home Corporation - BlueSky Stouffville

27

Starlane Home Corporation - Churchill Woods

27

Starlane Home Corporation - Copper Hills South

27

Starlane Home Corporation - Gates of Countryside

27

Starlane Home Corporation - Rivers Edge

27

Menkes - Bloom Park Towns

6-7

Menkes - Dwell city town

6-7

Menkes - Humber Mews

6-7

Menkes - Millstone On The Park

6-7

T.D. Bank - Corporate

36

Menkes - Somerset

6-7

Treasure Hill Homes - Aurora Woods on Bayview

47

Menkes - The Enclaves of Upper Canada

6-7

Tribute Communities - Landscapes

15

Monarch Corporation - Corporate

IBC Vandyk Communities - The Neighbourhood of Summerhill

43

Vandyk Communities - West Park Village

43

Vandyk Communities - Windows on the Green

43

Yorkwood Homes - Hillside Manors

87

Your First Home & Condo - Promo

90

Monarch Corporation - Kleinburg Crown Estates

IBC

Monarch Corporation - The Village of Southfields

35

One of a Kind Show - Promo

20

Oskar Group - Le Sedici

49

Primont Homes - Castlemore

13

marCH 16 - 30, 2013 | New home guide GTA 119

fundamentallyspeaking

Homeownership

Affordability continues to improve

Wayne Karl is an award-winning writer and editor with experience in real estate and business.

In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

by Wayne Karl if interest rates were to move swiftly and significantly higher.”

The Bank of Canada again held its trend-setting bank rate at one per cent on March 6. RBC anticipates the BoC will leave the rate unchanged through 2013 and gradually begin to increase it in early 2014. At the same time, the Canadian economy is expected to be on stronger footing, offsetting any negative effects that might materialize in the housing market from a slow and steady rise in interest rates, says RBC. The way RBC’s affordability measures work is, the higher the measure, the more difficult it is to afford a home. For example, an affordability measure of 50 per cent Amid all the recent talk of weakening means that home ownership costs, including mortgage market conditions, growing levels of household debt and payments, utilities and property taxes take up 50 per cent economic uncertainty, comes some good news courtesy of a typical household’s pre-tax income. A decline in the of RBC Economics Research. Canada’s housing afford- measure represents an improvement in affordability. ability continued to improve in the For the Ontario market, it became fourth quarter of 2012, thanks primara little easier to own a home during As a result, the cost of ily to small declines in mortgage rates fourth quarter of 2012. RBC’s owning a home at market the and home prices, which together lightmeasures inched lower by 0.1 and 0.3 price represented slightly ened the financial load on homeownpercentage points for detached bunless of a pinch on ers. This according to RBC’s latest galows and condominium apartments, household budgets in the Housing Trends and Affordability report, respectively, while for two-storey homes fourth quarter. and following similarly positive results rose marginally by 0.1 percentage points. from the third quarter of last year.

Affordability for bungalows is at 42.9 However, there is also something of a cautionary note per cent, for two-storeys 48.9 per cent and for condos 29 in RBC’s news. per cent.

“Exceptionally low interest rates have been the key For the Toronto market, specifically, affordability imfactor keeping home affordability from reaching dangerous proved in two of the three categories in the fourth quarter: levels in recent years,” says Craig Wright, senior vice- 52.8 per cent for bungalows, down 0.4 per cent; and 33.1 president and chief economist, RBC. “Residential prop- per cent for standard condominiums, down 0.4 per cent. erty values are elevated in Canada and, for many house- For standard two-storey homes, the measure rose 0.3 per holds, ownership remains accessible only because of cent to 62.2 per cent, meaning this category became rock-bottom mortgage rates. It could be a different story slightly less affordable.

120 New home guide GTA | marCH 16 - 30, 2013

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MONARCHGROUP.NET Prices, specifications and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes finished space in lower level. E.&O.E. March 2013. 20751.

mattamyhomes.com

For A Limited Time Only, No Occupancy Fees And No Condo Fees For A Year!

Affordable Low-Rise Condos Now Available On The Village Square.

Imagine stepping out of your home into a world where you are mere steps from the GO Train.

Enjoy a skate and visit the recreation centre or library. Local shopping won’t even require a car. Welcome to our new collection of Low-Rise Condos, your affordable opportunity to be connected to life in the Village.

And right now we’re including laminate flooring and granite kitchen counters. Low-Rise Condos are very affordable and low maintenance, with elevator access, parking and a private locker for each unit. In a Low-Rise Condo in Mount Pleasant Village, you’ll find yourself at the centre of life in the square.

Mount Pleasant Village now offers a whole new affordable way to connect to the city.

low-rise condos

Bovaird Dr./Hwy.7

from $199,990

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.