GTA New Home Guide - Apr 19, 2014 by NextHome

April 19 - May 3, 2014 Volume 22 Issue 8

S T O U F F V I L L E

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In Whitchurch-Stouffville

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In Whitchurch-Stouffville

geraniumhomes.com INSIDE THIS ISSUE

MAINTAINING YOUR NEW HOME WARRANTY

HOW TO FIND A HOME NEAR THE BEST SCHOOLS

USING COMMON SENSE FOR A SMOOTH MOVE

ASPIRE FOR OPEN CONCEPT DESIGNS THAT FEEL INTIMATE. What makes for good design? At Aspen Ridge, we believe itâ&#x20AC;&#x2122;s the moment your aspirations become actualizations. The moment your dream kitchen becomes a space where you sip, stir and savour in. When interiors not only have the best finishes, but the finishes that work best with your tastes. Trends fade. Style changes. But good design, it withstands the test of time. Itâ&#x20AC;&#x2122;s what you aspire for.

Model Homes Now Open at

Aspire to great design.

MODEL MANIA NOW SHOWING 5 Communities and 9 models from 3 of Toronto’s leading interior designers. Upper Cornell MARKHAM Kettle Lakes Club RICHMOND HILL King Country Estates NOBLETON Kleinburg Hills KLEINBURG King Oaks KING CITY MORE INFO AT aspenridgehomes.com

NOW OPEN Credit Manor Heights & Mayfield Village BRAMPTON MORE INFO AT aspenridgehomes.com

COMING SOON Upper West Side THORNHILL Woodland Hills NEWMARKET

contents apr 19 - May 3, 2014 || volume 22 issue 8

Fieldgate Homes

Discover Unionville’s finest family community

50 Multi-site

S T O U F F V I L L E

geranium homes

Ballantry Homes

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Gold Park Homes

Riverwalk community a breath of fresh air in Angus

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p. 32

community focus features 24 Markham

April 19 - May 3, 2014 Volume 22 Issue 8

on the cover

62 Tottenham, Sutton Ballymore Homes & Briarwood Homes

geraniumhomes.com INSIDE THIS ISSUE

MAINTAINING YOUR NEW HOME WARRANTY

HOW TO FIND A HOME NEAR THE BEST SCHOOLS

geraniumhomes.com

USING COMMON SENSE FOR A SMOOTH MOVE

bring their “A” game to community building

68 Woodbridge Fieldgate Homes

Model homes now for sale at Vaughan Valley Estates

56 49

regular and special features in every issue

4 Editor’s Note 10 Contributors 60 Hot Dates 118 Ad Index

18 48 49 54 58

BILD

Living Green

Air-purifying hardwood floor first of its kind in world

111 Resource Section

Mortgage Calculator and Rate Table

columnists

homebuyers’ help

Report

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

OMB makes sound and fair decisions by Bryan Tuckey

Tarion Report

Maintain your new home to maintain your warranty

in the news

Fundamentally Speaking

Doors Open Toronto

TD Canada Trust

by Howard Bogach

How to avoid your own moving horror story by Wayne Karl

Mortgage Advice

How to find a home near the best schools

to explore Secrets and Spirits of Toronto sites Advice for buying property with friends or family

Royal LePage

Toronto market posts strong price growth in first quarter

by Alyssa Richard

Taxing Issues

First-time buyers – buy when you’re ready and able by Henry Choo Chong

Legally Speaking

New-home purchases and HST by Jayson Schwarz & Konstantine Chatzidimos

88 Home Sweet Home

Headlines and market predictions versus your reality by Lydia McNutt

104 Make Your Move

Unpack your common sense for a smooth move by Chuck Resnick

//editor’s note

Think you can’t afford a home? It’s more affordable than you first thought

Susan Legge

Editor-in-chief Wall2Wall Media

uch like that bank commercial that says, “You’re richer than you think,” a new home may be more affordable than you originally thought. Perhaps you need only to change your definition of “home” to get into the market. While a detached home is the traditional choice for many, highrise and lowrise suites, lofts and townhomes have become a prime choice among first-time buyers and empty nesters in the market for new place to call home. Not only does townhouse and condominium living afford you the opportunity to live in a prime neighbourhood at a great starting price, when it’s time to move you

can often opt to remain in the same neighbourhood, since many communities offer a mix of designs and sizes, which allows families to relocate easily without having to change jobs or schools. Today’s communities generally have a range of sizes and prices that start at the “affordable” end of the price spectrum. Many builders and developers are gearing up for their grand openings and have new communities available for quick occupancy. It’s an exciting time to be shopping for a new place, so don’t miss this excellent buying opportunity. Have a look through this issue and see what you think. The home of your dreams is waiting.

Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook. Search: New Home Guide

Preparing for busy season Harsh winter weather and healthy conditions have the GTA real estate market primed for a feverish spring

Wayne Karl

Editor Wall2Wall Media Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl Like us on Facebook. Search: New Home Guide

4 New home guide GTA | apr 19 - may 3, 2014

other Nature clearly has no sense of humour. At time of writing – mid-April, no less – temperatures hovered around zero Celsius, and we were greeted with a few centimetres of snow this morning. Snow. In mid April. In Toronto. Indeed, an unusually harsh winter has already delayed the start of the spring real estate season in many Canadian markets, while low inventory is leading to significant price increases in areas where supply isn’t keeping pace with demand. Meanwhile, an improving economy is leading to growing consumer confidence, creating a strong foundation for residential real estate growth. This, according to the 2014 ReMax Spring Market Trends Report.

Spring can’t come soon enough, in more ways than one. Also at press time – April 15, to be exact, and one day before the Bank of Canada’s next interest rate announcement – mortgage rates remain at historically low levels. Collectively, these conditions are producing something of a perfect storm of opportunity for Canadian homebuyers. And while the ReMax report largely focuses on resale, the new home market also stands to benefit. Demand is high and supply in some areas and housing types may be limited, but for buyers who are well financed, well prepared and ready to act fast, new home purchases this spring will likely prove to be wise decisions.

dreams We build

We know. At Ballantry Homes, we build dreams. With over two decades of experience, we’ve designed and constructed thousands of homes, working closely with our family of buyers and our team of forward-thinking architects and interior designers. Ballantry has always treated our customers as #1. Having built some of the finest homes and estate communities in and around the GTA, Ballantry’s reputation for meticulous attention to detail and craftsmanship has earned the trust of thousands of satisfied homeowners.

3 sensational communities to select your new home from

BRAMPTON : FINAL RELEASE Semi-Detached & Detached Homes starting from the low

400’s

MARKHAM : FINAL RELEASE TTownhomes, Semi-Detached & Singles starting from the low

500’s

OAKVILLE : FINAL RELEASE CCondominiums or Urban Townhomes starting from the mid

200’s

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

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 5

Your Life Storey always comes first. 2013 Tarion Award of Excellence Finalist For the last sixty years, Menkes has been a central chapter in the Life Storeys of so many. Menkes has always focused on building homes in the cityâ&#x20AC;&#x2122;s most desirable and accessible locations. Discover elegant family homes in communities across the Greater Toronto Area that exude this companyâ&#x20AC;&#x2122;s trademark character, charm and lasting value. Come home to Menkes today, where your Life Storey always begins and ends with total customer satisfaction.

Facebook.com/MenkesLife Prices and specifications are subject to change. E.&O.E. March 2014.

@MenkesLife

NOW OPEN

NEW RELEASE

Burnhamthorpe Rd. & West Mall Etobicoke Starting from the mid $300’s 416.259.2525

Brown’s Line & Evans Ave. Etobicoke Starting from the $480’s 416.255.7468

Guelph St. & MacFarlane Dr. Georgetown Starting from the low $400’s 289.891.9103

UNDER CONSTRUCTION

FINAL RELEASE

Bathurst St. & Finch Ave. North York Starting from the low $300’s 416.730.1600

Salem Rd. North & Williamson Dr. East Ajax Starting from the low $500’s 905.428.0500

Dundas St. West & Bronte Rd. Oakville Starting from the low $400’s 905.825.3619

menkes.com menkes.com

The Primrose Model Home In Wildflowers, Kitchener.

New Interior And Exterior Designs

Available In Our New Release In Hawthorne Village.

Hawthorne Village in Milton is now even more popular. Coming Soon Never Before Offered Semis’, 34' & 43' Homes Designs. • New Townhomes and Detached Homes • Enjoy the beauty of Escarpment living

• More than 10,000 families living in the community • Home designs to suit any size family

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

mattamyhomes.com

Elev. ‘B’

Sales Centre: 10180 Derry Road

Sales Centre

401 407

Trafalgar

Townhomes From The $350’s Detached Homes From The $450’s

4th Line

MILTON

403 To QEW

Winston Churchill

36' Home, The Hawkesbury, Elev. ‘D’, 1,950 Sq.Ft., $524,990

Trudeau Dr. James Snow Parkway

2-Storey Townhome, The Springvale, Elev. ‘B’, 1,764 Sq.Ft., $411,990

Derry Rd. E

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

contributors New home guide

vice-president, WALL2WALL MEDIA

Jacqueline Hill

editor-in-chief / director of content

Susan Legge

director of sales, national

Josh Heppner

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

Conni Robinson

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

Susan Maxwell art director

Tammy Leung Editor

Wayne Karl contributing Editors

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

Sara Duck, Elisa Krovblit Lydia McNutt

Schwarz Law Barristers and Solicitors

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

Jayson Schwarz

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. He can be reached by visiting schwarzlaw. ca or by email at info@schwarzlaw.ca or phone at 416.486.2040

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

Viosa Barileva, Mike Terentiev, Hannah Yarkony

National Account Manager, Mediative

Paul Slizys

Published By

tarion report

Mortgage advice

make your move

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

is the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

is Vice-President of Marketing and Operations, Two Men and a Truck Canada. twomenandatruck.ca

Howard Bogach

Alyssa Richard

Chuck Resnick

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

newhomeguide.ca Advertising Call

and information.

416.626.4200 for advertising rates

Circulation Free

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

Copyright 2014 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.

10 New home guide GTA | apr 19 - may 3, 2014

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM

E IN V S RALOT

W O NEL H DE O

THORnHill

Singles on 30', 36’ & 40’ lots.

Detached homes on 35' and 41' lots.

Detached homes on 46’ & 60’ lots available.

odeLs t ed M decor a

t ed decor a

ModeLs

New Release Coming Soon From the

600's

905-472-7667

1.1million

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.

12 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 13

//bild report

OMB makes sound and fair decisions » by bryan tuckey The Ontario Municipal Board (OMB) doesn’t get enough credit for the key role it plays in the development approval process.

Bryan Tuckey

is President and CEO of the Building Industry and Land Development Association (BILD) and is a land-use planner who has worked for municipal, regional and provincial governments. He can be found on Twitter (twitter. com/bildgta), Facebook (facebook.com/bildgta) and BILD’s official online blog (bildblogs.ca).

The board provides an impartial, independent tribunal that is responsible for handling appeals of land-use planning disputes. It is removed from local political pressures and renders decisions in the broader public interest based on sound planning principles. BILD fully supports the role of the board as an evidence-based body. According to the City of Toronto, only four per cent of all land-use applications go to the OMB and we feel that it does a good job in handling those disputes. It’s important to note that OMB decisions are based on evidence provided by expert witnesses. This ensures that long-term public policy objectives, rather than short-term political judgments, are observed.

It’s important to note that OMB decisions are based on evidence provided by expert witnesses. This ensures that long-term public policy objectives, rather than shortterm political judgments, are observed.

14 New home guide GTA | apr 19 - may 3, 2014

This is an important issue now, because the City of Toronto staff is considering how to create a Local Appeal Body with locally appointed officials handling disputes. Our industry feels that shouldn’t occur until municipalities have operational experience. In a letter to the City, BILD has recommended that it does not proceed with a LAB because it would cost too much and could involve conflicts of interest, as the board members would be appointed by council. City staff estimate that creating a LAB would cost $1.75 million per year, and that some of the costs would be paid through property taxes. To recover all costs of the LAB, it would cost about $6,000 per appeal application. It costs $125 to file an appeal to the OMB. The OMB works, so why try to replace it? This is one of the arguments we made in our submissions to the province for its public consultations into the Development Charges Act and the Land Use Planning and Appeals System. So, what does this mean for you? Despite what you may have read about the OMB, today many of the board’s decisions have resulted in celebrated projects across Toronto. These success stories include the Distillery Historic District, 18 Yorkville, One Bedford and The Kings (King and Parliament, and King and Spadina). These five developments would not be what they are today without the decision making of the OMB and they have helped Toronto become a world-class city. Contrary to the strong media perception that the OMB most often sides with developers, independent research by a leading expert on public policy, Aaron A. Moore, found that the OMB most often favours expert testimony of municipal planners as they are considered to have greater autonomy than their private sector counterparts. This is why the professional opinions of municipal planners are a critical component to the decision-making process. It is an important planning principle to build complete communities and to do that, a land owner interested in participating has to research and study what the neighbourhood looked like in the past, what it looks like in the present and what it could be in the future. But as a model for handling appeals of land-use planning disputes, we think the OMB works just fine.

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 15

16 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 17

//tarion report

Maintain your new home

to maintain your warranty Âť by howard bogach

Howard Bogach

Warm weather and an inevitable build-up of rain and melting snow make spring a particularly important time to perform a series of home maintenance checks.

Maintenance is an essential part of being a homeowner, ensuring the internal environment of your house stays healthy. Itâ&#x20AC;&#x2122;s also a necessary part of maintaining your new home warranty if you live in a house or condominium that is less than seven years old. All new homes in Ontario come with a warranty that lasts seven years from the date of the first possession. This warranty is guaranteed by Tarion Warranty Corp. It protects you from things such as water penetration through the basement or foundation walls, defects in the electrical, plumbing and heating systems and major structural damage. Conducting regular maintenance on your new home will help ensure that your statutory warranty is protected. One of the most critical aspects of maintenance is proper moisture control. Special care is required to maintain modern,

18 New home guide GTA | apr 19 - may 3, 2014

VALES OF THE HUMBER

E STAT E S I N G L E S 57’ LUXURY SINGLES IN BRAMPTON

STARTING FROM $769,900*

AT VA L E S O F T H E H U M B E R

Sales Centre located at 20 Fogal Road at Highway 50 • 905.265.1205

ACCOLADES IN MARKHAM

TOWNHOMES

ACCOLADES IN MARKHAM

ONLY A FEW REMAIN

STARTING FROM $499,900* Model Home located at 101 Greenspire Avenue just South of Major Mackenzie Drive • 905.471.2852

NAUTICA IN OAKVILLE

U R B A N TOW N S

AT L A K E S H O R E W O O D S

URBAN LIVING IN VAUGHAN

AT L A K E S H O R E W O O D S

$88,000 IN EXCLUSIVE FEATURES INCLUDED**

URBAN LIVING IN VAUGHAN

STARTING FROM $549,990* Sales Centre located at 3420 Rebecca St. Unit 1 in the Great Lakes Plaza • 905.465.9133 AT L A K E S H O R E W O O D S

urbantowns O N

CO M I N G SO O N

moda

Urban Woodbridge U R BLiving A Nin L IVING

AT L A K E S H O R E W O O D S

CO M I N G SO O N

moda urbantowns URBAN

LIVING IN WOODBRIDGE

O N

WOODBRIDGE

B AY V I E W

RICHMOND HILL

CALEDON

AT L A K E S H O R E W O O D S

urbantowns For more information visit treasurehill.com O N

B AY V I E W

*Prices & information correct at press time. All illustrations reflect artist impression. E.O.& E. A s k a s a l e s r e p r e s e n t a t i v e f o r d e t a i l s . **Exclusive retail value of features already included in from price. AT L A K E S H O R E W OODS

//tarion report...continued

energy-efficient homes that are tightly constructed to keep cold air out in winter and cool air in during summer. If water from leaking pipes or fixtures is not immediately cleaned up, and indoor humidity levels are not properly controlled, there can be consequences. Sometimes, the damage is easily seen, such as when hardwood floors expand and warp, or condensation in windows causes fogging; other times, it is hidden inside the walls or roof. Regardless of where it occurs, moisture damage can lead to rot and even structural failure in extreme cases. Aside from the obvious headaches this will cause, you need to know that damage resulting from a failure to properly control moisture may not be covered by the builder’s warranty. Always use your home ventilation system to control moisture. Regular use will exhaust excess airborne moisture caused by bathing, showering, doing laundry and cooking. In a typical home, more than 20 litres of water are added to the indoor environment every day. That’s 7,300 litres in a year, enough to fill a medium-sized swimming pool. Bathroom fans, kitchen range hoods and heat-recovery ventilators are specifically installed in your home to help you control moisture and contaminants. In addition to moisture control, here are a few tips to help maintain your home this spring: Outside the home › Keep flowerbeds and landscaping at least six inches or 150 mm away from the top of the foundation. Placing soil near or above the top of the foundation allows moisture to come into direct contact with the structure of the building. › Clear eavestroughs of debris regularly and extend downspouts so that water is directed away from the building. Water flow can erode the ground near the foundation and create depressions where water collects. Standing water near the foundation can force its way into the basement. › Fix the caulking around windows and 20 New home guide GTA | apr 19 - may 3, 2014

Conducting regular maintenance on your new home will help ensure that your statutory warranty is protected. doors and on the roof if it becomes cracked or separated. › Have your roof inspected regularly to ensure shingles, flashing and chimney caps are in place and sealed properly. Inside the home › Purchase a “hygrometer” to monitor the relative humidity in your home. › In the winter, keep relative humidity in the range of 30 to 45 per cent. When using a humidifier, follow the manufacturer’s instructions. › In the summer, dehumidify the basement to avoid condensation buildup on the cool foundation walls. Relative humidity levels should not exceed 60 per cent. › Repair leaky pipes and fixtures immediately. Clean and completely dry any areas that are dampened or wet within 48 hours. › Store organic materials such as newspapers and clothes away from cool, damp areas. Keep storage areas tidy so that air circulates freely. › If you are adding a hot tub to your home, or have a large collection of plants, consider the amount of moisture they will add to your indoor air and ventilate accordingly. › Never vent your clothes dryer inside your home. If you have a gas- or propane-fired dryer, you may also be venting carbon monoxide inside your home. › Investigate and identify any musty smells and odours. They are often an indicator that there is a hidden moisture problem. Talk to your builder about what else you should be doing each season both inside and outside to ensure proper upkeep. Many will be able to provide you with details about maintenance, including information about specific products provided by manufacturers. Knowing how to properly operate all the systems in your new home – including heating, electrical, plumbing and air conditioning – will help safeguard your warranty. Most importantly, it will help you more fully enjoy your home For a general Home Maintenance Checklist, visit tarion. com. If you have any questions about how improper maintenance could affect your warranty, please do not hesitate to contact us at 1-877-9TARION.

ITâ&#x20AC;&#x2122;S GOING TO BE A GLORIOUS SPRING! OPENING THIS SPRING This spring, Aurora will see a new master-planned community that will be not only the talk of the town but the entire GTA. A community where four fantastic builders offer an unprecedented selection of homes, all loaded with the finest luxury features and finishes. In a location that combines the best of town and country, with its

own community park and access to nearby trails,

TO BE AMONG THE

and just minutes from Yonge Street and the 404.

FIRST AT THE

AURORA

PREVIEW OPENING OF AURORA TRAILS. A u ro ra Tra i l s .co m

LUXURIOUS SINGLES, SEMIS & TOWNS

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

I am happy, I am comfortable,

Current Communities

CHIPPAWA/NIAGARA 50’ Singles & Freehold 35’ WIDE Bungalow Loft Townes from the $320’s. NEW RELEASE OF 50’ LOTS

THOROLD 45’, 40’, 36’ Singles, Semis & Towns from the $250’s. Quick closings on Select Towns & Attached Singles. 8 MODELS OPEN

STONEY CREEK 40’ & 35’ Singles from the mid $400’s. Semis from the mid $300’s. GRAND OPENING CONTINUES!

BRAMPTON 41’, 38’ & 30’ Singles from the $510’s. 25’ Attached Singles & 20’ Towns from the $400’s. NEW LOTS RELEASED!

For directions, hours and community information call our hotline (1-888/416) 410-0175 Prices and specifications correct at press time. Renderings are artist concept. E. & O.E. Prices quoted are in $ thousands except for Kleinburg & Randall pricing.

Redefining luxury, with details and finishes, sure to exceed your expectations. The only way to improve on the experience is to move in.

RosehavenPlatinum.com OAKVILLE

36 Majestic Suites from 1,800 sq. ft. to over 3,000 sq. ft. Move in from $1.8 million

KLEINBURG

60’ to 70’ Estate Singles from 3,700 sq.ft. to over 5,600 sq. ft. Move in from $1.4 million Located in the Heart of the Village

Coming Soon

MOUNT ALBERT Luxurious 50’ Single Detached Homes Bungalow & Two Storey designs up to 3,600 sq. ft. from the $580’s. NOW OPEN!

or visit

CALEDON Stunning 36’ Singles from the low $600’s. Townhomes starting from the mid $400’s. COMING SPRING 2014! Register at MoveUpToCaledon.ca

RosehavenHomes.com

//community focus

Discover Unionville’s finest family community Location Markham Housing Type Freehold townhomes from $575,990, 25-ft. semi-detached from $649,990 and 38- and 42-ft. from $950,990 Contact 905.477.6464 fieldgatehomes.com

he Village of Unionville has a well-established reputation as one of the GTA’s most sought after communities. Located in the heart of the city of Markham, this quaint, charming village offers a welcome retreat from the bustle of modern life. It’s a place where one can spend the day window-shopping on Main Street or enjoying a meal on a sunny patio with friends or just an ice cream with your family. It’s also a place where music, arts and culture are enjoyed through spaces and events such as the annual Markham Jazz Festival, nearby Markham Theatre and the Fred Varley Art Gallery. This rare gem of a village sets the stage for a new home community of exceptional charm and beauty, Upper Unionville. continued on pg 26

24 New home guide GTA | apr 19 - may 3, 2014

OWN IT Live in this fabulous boutique building at Bathurst & Niagara

NOW OPEN

PATIO

416 SQ

. FT.

90 Niagara offers the most innovative designs anywhere in downtown Toronto. Boutique condos and 2-storey lofts, with great interiors seguing into fantastic outdoor balconies and terraces. All in a modern and intimate 5-storey building inviting you to live where the city lives. Own it today!

SLIDIN

G DOOR

S SLIDIN

G DOOR

BEDRO

9'7" x 9'3

LIVING

ROOM

10'3" x

CLOSET

9'2"

LINEN

BATH

KITCH DINING EN/ ROOM 10'0" x

45 boutique condos and 2-storey lofts

12'3"

DEN

9'4" x 7'2

FROM

HVAC CLOSET

$362,990

W/D

One b edroo m+D 416 sf en 67 . patio 9 sf. = 109 5 sf.

TOUR OUR FABULOUS FULLY FURNISHED MODEL SUITE TODAY BATHURST & NIAGARA

CHOOSE YOUR SUITE TODAY, VISIT

90NIAGARA.COM

416-981-0036

Presentation Centre: 90 Niagara Street Hours: Mon. - Thurs.: 12pm - 7pm Sat., Sun. & Hol.: 11am - 6pm. Fridays by appointment. Prices and specifications are subject to change without notice. E. & O. E. Rendering is artistâ&#x20AC;&#x2122;s concept only.

FIEL-90N-AD-GUIDELINES-APR10.indd 1

4/10/14 2:49 PM

//community focus...continued

FIELDGATE HOMES | Upper Unionville

In addition to the exceptional convenience offered by the schools, shops, parks and ponds of The Village of Unionville, this community also offers easy access to the many wonderful shopping and recreation facilities of Markham and the surrounding area. Offering an incredible selection of homes and one of the GTA’s finest locations, it’s easy to see why Upper Unionville is one of the GTA’s best selling new home communities. Located just moments from the heart of Unionville at Kennedy Road and 16th Avenue, this breathtakingly designed master-planned community offers one of the best selections of new home designs anywhere in the region. Featuring an impressive array of freehold townhomes from $575,990, 25-ft. semi-detached from $649,990 and 38- and 42-ft. from $950,990, Upper Unionville has homes that appeal to first-time buyers, empty nesters and everyone in between. All the homes at Upper Unionville offer a classic-yet-contemporary architectural aesthetic that contributes to the rich, vibrant atmosphere that is the hallmark of this community. Exterior elevations feature brick and stone accents, single and double car garages, covered porches, large windows and more. The interiors of these homes are just as stunning, with features such as spa-inspired master suites, spacious kitchen and breakfast areas, ample closet space, upstairs laundry rooms, stately dining rooms and expansive great rooms, to name just a few. One of the most popular freehold townhomes at Upper Unionville is the 1,986-sq.-ft. Langley. Featuring three large bedrooms and a single car garage, this stylish open-concept townhome has it all. The front of the home boasts a striking brick elevation with stone accents, large windows and a second floor balcony off the third bedroom. Inside, homebuyers will be impressed by the intuitive layout of the main floor plan, with a large living and dining room, contemporary kitchen and breakfast area and charming family room with gas fireplace. Upstairs the master suite features a walk-in closet and an ensuite with oval soaker tub and separate shower stall. The second floor also features an upstairs laundry room, main bathroom and two additional bedrooms. Upper Unionville is also ideally situated to take advantage of many of the GTA’s finest amenities. In addition to the exceptional convenience offered by the schools, shops, parks and ponds of The Village of Unionville, this community also offers easy access to the many wonderful shopping and recreation facilities of Markham and the surrounding area. Markville Mall, First Markham Place, Pacific Mall and more are all nearby, and those looking for outdoor recreation can enjoy Angus Glen Golf Course, York Downs Golf & Country Club, Milne Damn Conservation Park, Monarch Park and more. And with GO Transit and Hwys. 407 and 404 all nearby, it’s easy to get to all your other favourite GTA destinations at Upper Unionville. For more information on Upper Unionville, visit the sales centre this weekend, or go to fieldgatehomes.com or call 905.477.6464. 26 New home guide GTA | apr 19 - may 3, 2014

LUXURY SINGLES ONLY

GRAND OPENING

BRAMPTON’S NEW EXCLUSIVE COMMUNITY

50’ • 55’ • 57’ • 65’ • 75’ 86’ • 100’ ESTATE LOTS

N HWY 27

HWY 50

Mayfield Rd.

val e s o f t h e h u m b e r.c o m *Limited quantities available in some price ranges to qualified purchasers. Prices & information correct at press time. Maps not to scale. Some lots may have premiums. E.O.&E. Conditions may apply.

The Gore Rd.

TREASURE HILL PRESENTATION CENTRE

Castlemore Rd.

Fogal Rd. Queen St.

HWY 407

HWY 7

GREENPARK & STARLANE PRESENTATION CENTRE

HWY 427

2 STOREY FROM

$ 663,990 $ 699,990*

McVean Dr.

BUNGALOWS FROM

Goreway Dr.

Countryside Dr.

PRESENTATION CENTRE HOURS: MONDAY TO THURSDAY: 1PM - 8PM FRIDAY: CLOSED • SATURDAY, SUNDAY & HOLIDAYS: 11AM -6PM

Single entry lounge pass starting from $33.25 tax inclusive ($24.50 children ages 2 â&#x20AC;&#x201C; 11) for 2 hours lounge use. 3 hour and 6 hour lounge use also available** ** Online bookings only; higher rates apply for walk-in lounge use

All amenities are included in the price of entry including bar service after 11:00 a.m. (Toronto, Vancouver) and 10:00 a.m. (Edmonton)

For online bookings go to www.plaza-network.com/booking/FlightInfo.aspx?ECONREF=W2W2014

RICHMOND HILL MODEL HOME GRAND OPENING TAKE THE TOUR THIS WEEKEND 7 SPECTACULAR MODELS Jefferson Forest continues to offer a wide selection of Freehold Townhomes all in an established community beside a 400+ acre nature preserve. This could be your LAST CHANCE TO MAKE JEFFERSON FOREST YOUR NEW HOME COMMUNITY. RICHMOND HILL

FREEHOLD TOWNHOMES EAST OFF YONGE NORTH OF GAMBLE 1,600 SQ. FT. TOWNHOMES

$570s

2,000 SQ. FT. TOWNHOMES

$600s

starting from the

starting from the low

SALES OFFICE: Mon. - Thurs. 1pm to 8pm, Sat., Sun., & Hol. 11am to 6pm

VISIT US TODAY!

JeffersonForest.ca

*Prices & specifications are subject to change without notice. Finishes vary by Builder. See sales representatives for details. Renderings are artistâ&#x20AC;&#x2122;s concept. E. & O. E.

THE CAREFREE CONDO LIFESTYLE

DESIGN AND STYLE E@D?G>5C 1D 3 1 B 4 9 > 1 < @ ? 9 > D

UPTOWNES CONSTRUCTION IS NOW UNDERWAY! Main floor Great Rooms showcase huge windows and soaring 10 foot ceilings. Ground level Flex Rooms offer in-floor heating and are the perfect family room, home office or den. And Rooftop Terraces with BBQ hook-ups become the ideal summer retreat. Whatever your style — from cutting edge bold to laid back traditional — Uptownes at Cardinal Point offers interior design opportunities to suit every lifestyle and taste.

BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER Prices are correct at press time and are subject to change without notice. Specic features are as per plan and series. Sq.ft. measurements are approximate. Map not to scale.

THAT IS UNIQUELY YOU! IN STOUFFVILLE’S PREMIER COMMUNITY! UP

PO OWDER (DR (D DRO ROP OPPPE ED CEILING)

F RIDGE

STOVE

Open-concept DISHWASHER

ideal for formal

KITCHEN

17'2" X 7'6"

and casual gatherings.

Gourmet kitchen is perfect for entertaining

BAR TO T P

PANT N RY

Great Room is

with family and friends.

A stylish French Door

Oversized

leads to a

windows fill

wonderful

your home

balcony.

FRENCH DOOR

with plenty of natural light.

CHICAGO SERIES MODEL B2 FABULOUS MAIN FLOOR

BALCONY

Within walking distance of theatre, parks, art centre, shopping, dining GO Transit, and more, Uptownes has everything you love just steps from your door.

Two Bedroom Designs 1,401 to 1,639 sq. ft.

geraniumhomes.com

Hwy 48

John Davis Gate SITE LOCATION

Millard St SALES CENTRE

9th Line

from

900

Bakerhill Blv

364

404

LOFT INSPIRED CONDO TOWNS

Mon to Wed: 1 – 7pm Wknds & Hols: 11am – 6pm Main St

Stouffville

#" - - " / 5 3 " & 4 50 6 ' ' 7 * - - & 1 0 35 ) 0 1 & 80 0 % 4 50 $ , See sales rep for details. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E & O E.

905-640-9999

//cover story

It’s a wonderful life in

WHITCHURCHSTOUFFVILLE

Geranium’s master-planned community in Stouffville

Location Whitchurch-Stouffville Housing Type Two- and three-storey townhomes, semi-detached, detached bungalows, single-family homes and boutique condominium Contact geraniumhomes.com

32 New home guide GTA | apr 19 - may 3, 2014

he Town of Whitchurch-Stouffville, which lies 40 kms northeast of Yonge and Sheppard, has maintained its small-town flavour. Bordered by farmland and greenspace, Stouffville has experienced population growth, yet has managed to preserve its most charming qualities while gradually adapting to change. Stouffville has excellent schools, major retail outlets, as well as thriving specialty shops, services, and a vibrant Main Street – where annual festivals and cultural events are held. Nineteen on the Park is located in the Lebovic Centre for Arts and Entertainment, and The Latcham Gallery has been offering classes and exhibitions since 1979. A network of trails winds through neighbourhoods connecting to parks, ravines and the conservation area. Since 2008, Geranium Homes has been a participant in the town’s evolution where it has brought its master-planned community to fruition. The Neighbourhoods of Cardinal Point was twice nominated as a finalist in the building industry’s awards for

GERANIUM HOMES | Cardinal Point

Boutique condominium coming soon

Sun-filled living space at Uptownes

the Best P2G Community of the Year. “P2G” refers to Ontario’s Places to Grow Act – the government’s plan for controlling growth in a strategic way. This award recognizes the community that represents the best example of smart growth, environmental preservation, innovative site planning, recreational amenities, streetscapes and architecture. “We are very proud of Cardinal Point now home to more than 800 families. We believe our goal to deliver a full range of thoughtfully designed, well-built residences priced within reach of many new home buyers, has been achieved,” says Sue Webb Smith, Geranium’s marketing director. “Today you’ll see two- and three-storey townhomes, semi-detached, detached bungalows and single-family homes all within a thriving, vibrant community.” In every phase, the “Urban Heritage” architectural style uses colour cocoordinated, low-maintenance materials of clay brick and Hardie board. Porches and second floor balconies on the front of the home are emphasized. Since 2009, homes at Cardinal Point have adhered to Energy Star for New Homes labelling standards. Combined with Geranium Green, the company’s own stringent construction practices, new-home buyers are getting a quality built home. Recently the Uptownes at The Neighbourhoods of Cardinal Point opened. A mix of brick and stone provide a timeless exterior, and every three-storey home, whether the Chicago Series of back-to-back or The Gooderham Series of stacked units, includes a spacious rooftop terrace averaging 300 sq. ft., as well as a single-car garage and driveway parking.

Thriving Main Street businesses

Construction of the Uptownes is now underway, and the first block will include the much-anticipated model homes. Plans range in size from 1,401 to 1,639 sq. ft. over three levels, and are priced from the $360’s. Low monthly maintenance fees are just $89. This summer Geranium will introduce PACE on Main boutique condominium residences. Designed for real living, these condos will have an elegant brick and stone façade with unique window treatments, all within steps of everything downtown Stouffville has offer. PACE Credit Union, which now occupies the site, will continue to operate in the new building where additional commercial space will front onto Main Street. “Those looking for apartment-style convenience will find they can live comfortably in suites measuring over 630 square feet with well-proportioned rooms,” says Webb Smith. Luxury suites will range from 632 to 1,035 sq. ft., and include top quality features and finishes. Geranium Homes is the recipient of both Home Builder of The Year and Canadian Home Builder Association’s Grand Sam Award. Live life at your own pace in a home by Geranium in the Town of Whitchurch-Stouffville. For more information, visit geraniumhomes.com apr 19 - may 3, 2014 | New home guide GTA 33

Dear Mortgage, I’m taking time off to make memories.

Take time off from your mortgage payments. A flexible mortgage from TD lets you focus on what’s really important to you. Just add a little extra to your regular payments and you could have the option to take a payment vacation for up to four months1. It’s just one of TD’s flexible mortgage features.

Visit a branch or tdcanadatrust.com/paymentvacation

Conditions apply. See us for details. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

34 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

36 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 37

LIVE GREATLY.

Experience the Great Gulf Difference across the

KING OAKS, KING CITY

WESTFIELD, BRAMPTON

70 ft. Estate Lots in the Last Chance - Only a Few Lots Remain

First Release Now Available at Mississauga Rd. and Steeles!

• A stunning collection of Homes designed by Brian Gluckstein

• Live at Brampton’s most prestigious location

• Winner of Community of the Year at the OHBA Awards of Distinction • Fabulous designs with expansive windows to maximize natural light

$1.3 MILLION

• Brockport Home construction for assured precision building

Bovaird Dr.

Queen St.

Steeles Ave. Hwy. 407

SALES OFFICE: 55 Richard Serra Court, King City (905) 833-6413

Chinguacousy Rd.

Sales Office and Model

• Side door entrance with additional staircase to basement

Mississauga Rd.

Luxury Estate Homes 3,565 - 6,050 sq. ft. from

• Brampton’s deepest and best selling lots

34 Ft. Detached 1,700 - 2,680 sq. ft. from

$570’S 38 Ft. Detached 2,080 - 3,265 sq. ft. from

$620’S

SALES OFFICE: 8540 Mississauga Road, Brampton 905.866.6876

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.

GTA and beyond!

MOUNT PLEASANT, BRAMPTON Bovaird and Creditview Walk To Mount Pleasant GO Station

SUMMERLYN VILLAGE, BRADFORD New Release!

• Lots up to 130 feet deep

• Fully established, award winning community; home to more than 800 families

• Side door entrance with additional staircase to basement

• Surrounded by schools, neighbourhood parks, and every one of your favourite retail locations

• Brockport Home construction for assured precision building

• More than 60 acres of protected open space with miles of integrated walking and biking trails

• 40’ Lot homes that offer more natural light

• Just 10 minutes from the GO Station

34 Ft. Detached 1,780 - 2,685 sq. ft. from

Ashley Field Rd.

Bovaird Dr. James Potter Rd.

Hwy. 407

40 Ft. Detached 2,630 - 3,600 sq. ft. from

$440’S

Hwy. 400

Mississauga Rd.

Queen St.

Chinguacousy Rd.

Williams Pkwy.

$510’S

36 and 40 Ft. Detached 1,465 - 3,270 sq. ft. from

50 Ft. Detached 1,940 - 3,990 sq. ft. from

$620’S

$630’S

Holland St.

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

SALES OFFICE: 22 Downy Emerald Drive, Bradford (905) 775-3461

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

GREATGULF.COM

//In the news

Doors Open Toronto to explore secrets and spirits of Toronto sites

Doors Open Toronto presented by Great Gulf will return on the weekend of May 24 and 25, offering free, rare access to more than 155 architecturally, historically, culturally and socially significant buildings across Toronto.

This year’s event will give residents and visitors an opportunity to explore Toronto’s sites through the theme Secrets and Spirits… Exploring the Mysteries Behind the Door. This year’s theme will highlight secret spaces, stories of spirit sightings and unexplained mysteries at more than 75 locations, including an underground bowling alley in a downtown church, a secret tomb in another church, haunted tunnels beneath a school and bank vaults in a hotel. Other offerings in this year’s Doors Open Toronto will include the Doors Open Speakers Series on current topics in design and architecture, art exhibits, the addition of more than 40 new participants in the 2014 building lineup, and free architectural and “ghostly” walking tours. Walking tours representative of this year’s secret and spirits theme will include: » The Ghosts and Spirits of the Historic Distillery District » The Spirit of the Gibraltar Point Lighthouse at Toronto harbour, and » The Spirits of Exhibition Place, including paranormal hot spots. Full program details, including a complete list of this year’s buildings, tours and talks, will be available on the web at toronto.ca/doorsopen, on Facebook and on Twitter starting in late April. Since its inception in 2000, Doors Open Toronto has attracted more than two million visits to nearly 600 unique locations across the city. It is Canada’s largest Doors Open event and one of the three largest Doors Open events in the world. Doors Open Toronto is dedicated to built heritage, architecture and design. It is sponsored by Great Gulf and produced by the City of Toronto in partnership with the broader community. 40 New home guide GTA | apr 19 - may 3, 2014

Markham

Library with Over & re nt Ce ity un mm Co ell rn Co Your Doorstep. 70,000 sq. ft. Now Open at

Release of New Home Designs! Visit us Today! Tour our 8 professionally decorated models

Freehold Townhomes featuring 2 master bedrooms each with a Semi-Ensuite

500's

from the low

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Singles on 30’, 36’ & 40’ lots

$600's

from the

From 2,057 Sq.ft.

Sales office located at the S/E corner of Cornell Centre Blvd. 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.

//living green

Air-purifying hardwood floor

the first of its kind in the world

A new product recently launched on the North American market makes living spaces healthier from the ground up – literally. The first of its kind in the world,

Pure Genius smart hardwood flooring by Canadian manufacturer Lauzon Distinctive Hardwood Flooring, improves indoor air quality of a home while beautifying the decor. Activated by natural or artificial light and by the movement of air, the unique, high-quality intelligent flooring – which comes in a wide range of styles and finishes – continuously breaks down airborne toxins, creating a constant supply of pure air in the home. In fact, studies show that the air in rooms installed with Pure Genius is up to 85 per cent cleaner than spaces without the flooring. “Many people don’t realize the extent to which the air-tight environments in today’s homes contain pollutants and toxic contaminants, such as formaldehyde emitted from furniture, building materials and common household products,” says Nathalie Lambert, marketing manager of Lauzon, explaining that indoor air is often five to 10 times more polluted than outdoor air. “Poor air quality in the home causes build-up of bacteria, viruses and moulds, and may lead to allergies, fatigue and respiratory problems like asthma.” Pure Genius is specially-formulated using a patented titanium dioxide technology that decomposes bacteria, viruses and moulds, and reduces potential carcinogens by constantly transforming toxic airborne particles into harmless water and carbon dioxide molecules, Lambert says. 42 New home guide GTA | apr 19 - may 3, 2014

After 30 days, she says, rooms installed with Pure Genius flooring have been shown to have a formaldehyde level of only five parts per billion (ppb), compared to 16 to 32.5 ppb found in a typical home. What’s more, Pure Genius helps reduce household odours such as cigarette smoke, pet urine and lingering cooking smells. Highly washable and resistant, the flooring enables hardwood cleaners to disperse better, so “not only is the atmosphere cleaner, but the actual floor itself is cleaner,” Lambert says, adding that the technology works for as long as the finish lasts. The Pure Genius Titanium finish has a guarantee of 30 to 35 years, depending on the collection. “Pure Genius gives new meaning to feeling good in your home decor,” she says. “The purifying effect is so strong, that for an average 1,377-square-foot Canadian home installed with Pure Genius, it’s like having three trees in your home.”

Pure Genius flooring is available at specialty flooring retailers across Canada. A built-in feature of Lauzon’s new Authentik oak flooring and Organik maple flooring series, it is also offered as an option on all Lauzon Ambiance Collection products and on selected products in the Designer Collection.

//in the news

Buying a property solo or with friends or family?

TD advises on specific considerations when taking a less conventional approach to buying property

Today’s homebuyers don’t always look like the traditional nuclear family of the past. As a recent TD survey

discovered, a quarter of Canadians who bought a home in the last 24 months – or are planning to in the near future – did so on their own. Furthermore, four in 10 Canadians think buying property – whether a primary residence or vacation home – with friends or family members is a great way to get started. With this shift towards non-traditional ways of purchasing property, planning carefully can help avoid potential bumps on the road.

“Whether buying a home on your own or together in partnership with family members or friends, many of the guiding principles remain the same,” says Michelle Snow, associate vice-president, retail products at TD. “Start by setting a realistic budget, talking to a mortgage specialist for advice and taking the time to make an informed decision. The real estate ...continued on pg 46

44 New home guide GTA | apr 19 - may 3, 2014

LIVE IN THE centre OF TORONTO

Up to $40,000 in upgrades included* Granite Kitchen Countertop Granite Countertops in Ensuite and Main Bath Stainless Steel Fridge, Stove and Dishwasher White Washer / Dryer Air Conditioning

Stained Oak Staircase ,, ,, Stained 2 1/4 x 3/4 Hardwood floor on Main (non-tiled areas) Upgraded Trim Package Upgraded Pickets and Handrail ...and much, much more.

Your chance to live in this prestigious new residential enclave located in the well-established Bathurst Manor neighbourhood, near Sheppard and Bathurst.

Now Under Construction! SEMIS AND A SELECT NUMBER OF DETACHED HOMES

600’s

From the mid

VISIT OUR PRESENTATION CENTRE TODAY!

Sales Office Hours: Mon. - Thurs. 1 - 8pm, Friday by appointment. Sat., Sun. & Hol. 11am - 6pm

416-630-5039

ARISTAHOMES.COM *Prices and specifications are subject to change without notice. Bonus, finishes and decor dollar amounts may vary per model type. See sales representative for details. E. & O.E. Renderings are artist’s concept. Veneer risers and stringers.

SALES OFFICE 824 Sheppard Ave. West

market may move fast, but that doesn’t mean you have to rush your decision.” Whether buying alone or with someone else, the first step is to decide how much you are comfortable spending, and what the down payment will be. Homebuyers pooling their resources may be able to make a larger down payment on their purchase, and there are benefits to this. For example, homebuyers who put down 20 per cent or more may avoid paying for mortgage default insurance. The premiums for mortgage default insurance are calculated as a percentage of the mortgage and paid up front or by adding it to the principal portion of the mortgage. Eliminating or decreasing this premium can result in significant savings over the lifetime of the mortgage. “Once homebuyers set their budget and down payment, they can take their prospective monthly mortgage payment for a test-drive and ‘pay’ into a TFSA or savings account,” says Snow. “This two-fold solution allows the homebuyer to see how comfortable the monthly mortgage payment is before locking in, and save for a larger down payment at the same time. For co-purchasers, it opens the line of communication to talk about how these monthly payments will work after the purchase.” While agreeing on a budget and down payment are essential, the conversation shouldn’t stop there, Snow advises. Co-purchasers also need to agree on the key characteristics they want in a property, and what they are and are not willing to compromise on. For example, will the primary residence be a house or condominium? 46 New home guide GTA | apr 19 - may 3, 2014

Whether buying alone or with someone else, the first step is to decide how much you are comfortable spending, and what the down payment will be. If it’s a second home to be used as a vacation destination, will it be a cabin in the woods or a cottage by the water? Once these decisions are made, consider how the associated costs, like taxes, insurance, utilities, repairs and maintenance fees will fit into the overall budget. “The last thing new homeowners want is an unwelcome surprise when they’re about to sign on the dotted line,” Snow says. “Whether purchasing alone, or with a co-purchaser, a mortgage specialist can help navigate home financing questions well before they’ve entered the house hunt, so they can make informed decisions that can save money and stress in the long run.”

M O U N T P L E ASA N T

GRAND OPENING

BRAMPTON

CELEBRATE A NEW BEGINNING

Starlane Homes - Up to $10,000* in FREE upgrades Valery Homes - Over $20,000* in FREE upgrades PRESENTATION CENTRE HOURS: MONDAY TO THURSDAY: 1PM - 8PM FRIDAY: CLOSED • SATURDAY, SUNDAY & HOLIDAYS: 11AM -6PM

McLaughlin Rd.

BONUS PACKAGES AVAILABLE:

PRESENTATION CENTRE

Chinguacousy Rd.

449,900*

Wanless Dr.

Creditview Rd.

429,900*

STARTING FROM

Mayfield Rd.

Mississauga Rd.

STARTING FROM

SINGLES

SEMIS

30’•36’•38’•41’

Sandalwood Pkwy W.

Bovaird Dr. W.

*L imited quantities available in som e price ranges to qualified p urchaser s . Prices & information correc t at pres s tim e. Map not to sc ale. Som e lot s may have premiums . E.O.& E. S ee s ales rep. for details .

VISIT US AT MEADOWSBRAMPTON.COM

//fundamentally speaking

how to avoid your own

moving horror story » by wayne karl

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

With that, the sordid tale ended. When buying a home, you likely will consult with a team of The job not complete, left for us to trusted professionals – a mortgage broker, lawyer, perhaps a realtor or builder sales associate and maybe a home inspector. move the furniture indoors, now the victims of one of the Top 10 scams Then, assuming you move ahead with your purchase, eventumonitored by the Better Business ally you will likely need a mover. Bureau (BBB). People often don’t consider a mover as an important “I could write a thesis on this,” John member of their team of professionals. However, given the Levi, president of the Canadian critical role they perform – taking possession, at least tempoAssociation of Movers (CAM) told me. rarily, of all your worldly goods and moving them without loss CAM offers consumers the or damage – it’s a function not to be taken for granted. Not following tips on how to avoid being doing your due diligence and taking the time to select a scammed by unscrupulous movers: reputable mover can invite untold problems. » F ind reputable movers through the Case in point: the following example, which admittedly CAM, BBB or provincial governdoesn’t involve a new-home move, but the experience is all too ment consumer protection agencies common. So is the lesson learned – unfortunately, the hard way. » A sk three movers for estimates in I recently contracted a “professional” moving company to writing carry out a last-minute move of five pieces of furniture on » Get the terms and conditions in writing behalf of my son, a university student. For a variety of reasons, » Ensure your goods will be protected we decided to hire movers rather than rent a truck. for loss or damage After calling several firms – including large, well-known companies and smaller, independent ones – I selected a moving » R ead customer reviews on movers’ websites and other forums company in Whitby, where the pick-up was to take place. Drop-off would be in Waterloo. “Consumers have recourse with We agreed on price ($350) and time (9 a.m.) – after I was their provincial government’s very clear the move would involve an out-of-town destination. consumer affairs department and with All details were confirmed in a “contract” exchanged via email. the Better Business Bureau,” says Levi. The crew was on time for the move the next morning, but “Both of these avenues are fraught with almost immediately began talking about a higher rate – $360. difficulties and often take many Not a huge difference, but it immediately raised my suspicions. months to come to some form of I’ll spare you all the gory details, but it’s important resolution – satisfactory or otherwise. to share the lowlights of what happened next: And often, the mover simply out-waits » The company I originally contracted the job to the the consumer. night before was inexplicably unavailable to actually “It’s far simpler and more effective do the move the next morning, and apparently passed to engage a reputable mover in it off to another firm. advance rather than trying to fix a bad » My original contact, who was easily available on cell situation after-the-fact.” phone repeatedly the night before, suddenly was My example, though painful and nowhere to be found. infuriating, is minor compared to » Once the truck was loaded, the fee increased to $450. other common horror stories involving » Upon arrival in Waterloo, the movers said the fee was similarly unsuspecting clients. $500. “It’s taking longer than we thought, and the Make sure you take the proper steps furniture is heavier.” – and the time – to protect yourself. » “Sure,” I said, “right after I call the police.”

48 New home guide GTA | apr 19 - may 3, 2014

NEW COMMUNITIES TO

WELCOME A NEW SPRING.

WELCOME TO CRANBERRY HILL. New Family Memories Will Be Made Here. Cranberry Hill is our first community in the wonderful location of Waterdown, where you have complete access to city life without having to live in the city. • Distinctive, Affordable Townhomes • 30’ and 36’ Detached Homes • Homes with large windows, front porches, recessed garages in a variety of styles • Master planned family community with parks, playgrounds, walking/biking trails • Excellent local schooling

• Swift access to Highways 401, 403, 407, QEW and Aldershot GO Station • City access to Hamilton and Toronto • Recreational opportunities along the Bruce Trail and at the brand new YMCA • Built to meet modern family needs and dreams

Elev. ‘A’

. Dr

les Sa ntre Ce

n Du

t an Br St.

r da d. Ce gs R . d rin Sp ans R Ev

ide

s ark

g rin r. Sp k D e Cre y6 Hw

Townhomes From The $360’s ~ Detached Homes From The $420’s

Hwy 407

36' Home, The Primrose, Elev. ‘B’, 2,217 Sq.Ft.

QE 03

QEW

2-Storey Townhome, The Columbine, Elev. ‘A’, 1,402 Sq.Ft.

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

mattamyhomes.com

Before You Shop For A New Home,

Tour Our Models.

Model Homes are the perfect way to see exactly what life will be like in a Mattamy home. We have four Model Homes in The Preserve in Oakville and four more in Widlflowers in Kitchener. At your leisure you can examine the exterior architectural styling, the interior layout and the many standard features and upgrades that we offer. Youâ&#x20AC;&#x2122;ll find that our Model Homes are an art form well worth exploring.

WILDFLOWERS KITCHENER

THE

PRESERVE OAKVILLE

Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm Follow us: All illustrations are artistâ&#x20AC;&#x2122;s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

NEW HOMES

ARE BLOSSOMING

IN THE FOLLOWING COMMUNITIES

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Presentation Centre

AURORA

BRAMPTON

St. John’s FOREST AU RO R A

Homes Never Seen efore In Aurora.

Get Connected To Our New Release In Brampton’s Mount Pleasant North.

a special place with gracious homes in bourhood that backs onto a luscious old where greenspace is a focal point.

Mount Pleasant North is a neighbourhood where you are close to everything that makes life special right outside your front door.

new 45' and Village Home designs en before in this community

• New release of Townhomes and Detached Homes.

ordering picturesque community

• Village Square with shopping, library, recreation centre, reflecting pool and GO Station

ing/biking trails and playgrounds e right where you live

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homes From The $350’s ~ d Homes From The $640’s

38' Home, Plan 4, Elev. ‘A’, 2,458 Sq.Ft.

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

KITCHENER

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4 New Model Homes And A New Release Have Bloomed In Wildflowers.

The Most Variety of Hom Ever Offered In Hawthor

You’ll find lots of new reasons to visit our first Kitchener community. Wildflowers is a master-planned neighbourhood that has grown to be very popular.

There are more than 10,000 familie life at the escarpment in Hawtho We invite you to join the

• New release of Detached Homes • Mature forest borders the neighbourhood • Parks, playgrounds, walking/biking trails, scenic ponds add to the experience

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• Established schools and recrea

• New school is planned for the community

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Townhomes From The $3 ~ Detached Homes From The

Trafalgar

Detached Homes From The $290’s

36' Home, The Windmer Elev. ‘G’, 2,564 Sq.Ft.

Trudeau Dr. James Snow Parkway

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Derry

Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Ho

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TORONTO Our Urban Masterpiece In The Heart Of Toronto Is Coming Soon.

me Designs rne Village.

Downsview Park will be our tribute to the best of urban living with contemporary home designs that bring the city to life. Live surrounded by a 300 acre urban park right in the city.

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OAKVILLE

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//mortgage advice

How to find a home near the best schools » by alyssa richard

Alyssa Richard

is the Founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

When you get ready to start your house hunt, you’ll likely start by compiling a list of “needs” and “wants.” Your needs will include the size of the home, including how many bedrooms and bathrooms your family wants. Your wants, on the other hand, may include more conveniences, such as new upgrades and appliances and extra storage. If you’re part of a growing family, finding a home near a good school is probably also near the top of your needs list. Depending on where you live, it may not always be possible to find something within walking distance. But beyond just proximity, you may be more concerned about the testing results of any schools your kids could potentially go to. So, where can parents find this information? Unfortunately, it can take time to dig around for it online. Every year, the Fraser Institute releases “report cards” for schools all across Canada. Divided by province and then again by elementary and secondary schools, parents can view charts online

and download PDFs that reveal everything, from average exam marks, fail rates and graduation rates, to gender gaps in certain studies and more. Each school then receives an overall rating out of 10 – 10 being the best score a school can get. In most provinces, there are also other organizations that measure student achievement through standardized tests. For example, the Education Quality and Accountability Office (EQAO) in Ontario is responsible for measuring achievement in reading, writing and mathematics in relation to the province’s curriculum requirements. EQAO takes the average scores of these tests (in percentages) and gives each school a grade between zero and 100 – 100 being a perfect score. The task of looking for these scores for every individual school your kids could potentially go to is daunting. Finding a home you can commit to buying is hard enough – making sure it’s within the boundaries of the school district you want, and close to good schools, only adds to your stress throughout the process. Fortunately, if you’re a homebuyer in Toronto, there’s a new website that revolutionizes the process. Scholarhood.ca helps buyers find homes close to the best schools in Toronto. The site showcases the boundary data for all of Toronto’s school districts on a map, and uses up-to-date metrics from the Fraser Institute and EQAO to show how schools rank in each district. When you find a district you’d like your kids to go to school in, you can request all the listings within the boundary lines. Apparently, it can be that easy.

//community focus

Ballantry Homes Building homes, building dreams Location Ajax, Brampton, Halton Hills, Markham, Newmarket, Oakville, Oshawa, Unionville Contact ballantryhomes.com

50 New home guide GTA | apr 19 - may 3, 2014

avid Hill doesn’t just build houses. He builds homes. Communities. And most importantly, the president of Ballantry Homes builds dreams. In 1989, Hill started his career selling 10 building lots in Scarborough. Since then, he has built one of the most respected home building firms in the GTA, with incredibly successful developments in Ajax, Brampton, Halton Hills, Markham, Newmarket, Oakville, Oshawa and Unionville. And that success has come because Ballantry isn’t just about building walls and roofs and floors – it’s about creating spaces that work for families. Ballantry Homes are designed for the way people live. Their forwardthinking architects and designers bring an in-depth understanding of how today’s families function – how they cook and eat, work and relax, how they move through the space, where they spend their time. Open-concept plans maximize natural light and make it easy to move around and interact. Kitchens come with thoughtful lifestyle features like upper corner cabinets, pull-out shelves, breakfast bars and centre islands. Bathrooms have soaker tubs and roomy shower stalls with made-to-measure tile flooring – you’ll never find one of those pre-fab fibreglass stalls in a Ballantry home.

BALLANTRY HOMES | Multi-site

For Ballantry, building homes and communities is all about quality and craftsmanship. It’s about always taking one step up, always doing better. “My philosophy is ‘build a good house and stand behind the product,’” says Hill. “I always think about the way people are going to live in the house; it’s not just about the house.” To that end, customization options are readily available to buyers looking for unique features. The builder has transformed lofts into master bedrooms, changed second floor plans, and built home offices and separate studio flats. The company would much rather see its buyers with a place that suits them right from the start, and not have to leave to face extensive renovations down the road.

For Ballantry, building homes and communities is all about quality and craftsmanship. It’s about always taking one step up, always doing better. The company is known for its solid construction, sophisticated designs and meticulous attention to detail, all of which is built on 25 years of learning and expertise. But despite this success, Hill enthusiastically encourages feedback from homeowners – hearing what works and what doesn’t is the best way to continue improving their offering. “I’m always looking to improve the product, from the floorplans to the designs to the standards of finish,” says Hill. “I want to build a home that can be lived in. Mostly, I want the customer to be happy.” Ballantry’s customers-first approach has won multiple awards. It has received accolades from JD Power and Associates, as well as Tarion Warranty Corp. It’s an attitude that’s evident in the houses and condos Ballantry builds, and in the aboveand-beyond service it provides. For example, each buyer in one Ballantry development is surprised with a move-in gift basket. As a welcomehome gesture, the company gives each homeowner a collection of thoughtful essentials (often forgotten in a move) such as doormats, toilet paper, hangers, light bulbs and more plus a gift basket filled with goodies. New residents are delighted. Service. Quality. Craftsmanship. Trust. Having built some of the finest homes and estate communities in the Greater Toronto Area, Ballantry is respected by both homeowners and the builder community for building great homes and solid communities. For more information about a Ballantry development near you, please visit ballantryhomes.com apr 19 - may 3, 2014 | New home guide GTA 51

//In the news

Toronto housing market posts strong price appreciation in first quarter of 2014 Upward pressure on prices continues The latest Royal LePage House Price Survey shows robust yearover-year price appreciation in the first quarter for standard twostorey homes and detached bungalows, with both rising 6.8 per cent to $716,698 and 4.1 per cent to $589,250, respectively. Standard

condominiums posted a more modest increase of 1.5 per cent to an average price of $364,979. “Homes in the detached category are flying off the shelf in the densely urban regions of Toronto,” says Gino Romanese, senior vice-president, Royal LePage. “Insufficient inventory to match the high demand for centrally located homes – especially for the quintessential two-storey family home – has led to the upward pressure on prices in the last quarter.” In addition to scarce inventory, demographic factors are also at play in the current market dynamic, with a

52 New home guide GTA | apr 19 - may 3, 2014

noticeable influx of members of the Echo Generation looking to buy their first detached home. “Multiple-offers are nothing new in recent history when it comes to quality family homes in this city, and the last quarter was no exception,” Romanese adds. “However, with the weather now taking a turn for the better, we are starting to see more listings roll in, with a more fulsome surge of inventory expected after the Easter weekend, which should be most welcome news for buyers.” The condominium segment continues to hold its own despite the negative pundits, but according to Romanese, specific price trends and activity levels vary at a neighbourhood level. “The real estate landscape in Toronto continues to be the tale of 100 markets with visible variances from neighbourhood to neighbourhood.” Nationally, most regions showed healthy year-over-year price growth, with the average price of a home in Canada rising between 2.5 per cent and 5.4 per cent. In the first quarter, the average price of a two-storey home increased 5.4 per cent to $428,943, while detached bungalows rose 4.4 per cent year-overyear to $380,765. Standard condominiums posted slightly lower gains of 2.5 per cent to $252,174. “With the slightest trace of a weather recovery in most parts of the country, we are now finally seeing the arrival of housing inventory. This, combined with pent-up demand following a particularly long and harsh winter, is setting the stage for an exceptionally robust spring 2014 market,” says Phil Soper, president, Royal LePage. “This is good news for buyers, as the price spikes we have seen in a number of cities will be alleviated by this additional supply.” “With a number of supportive economic factors in place, the country’s healthy real estate market continues to display its strength,” Soper adds. “The federal government is heading towards a balanced budget for the first time in over six years, while all signs point to a continued low interest rate environment. Moreover, the strengthening global economy and a weaker Canadian dollar are fueling demand for Canadian exports and reducing dependence on the household sector to sustain our economic success.”

Nationally, most regions showed healthy year-over-year price growth, with the average price of a home in Canada rising between 2.5 per cent and 5.4 per cent

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//taxing issues

First-time buyers – buy when you’re ready and able » by henry choo chong

This year, my wife and I would like to get into our first home. We have saved almost $80,000 for a down payment. This was three years of eating at home, once per week dine out and no vacations. Movies and pub nights were out, with the odd exception. Although the real estate market has changed, homes are pricier than three years ago. Is this the right time to buy? Or should we wait it out?

Henry Choo Chong,

CGA, sits on many committees and provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225. Questions to Taxing Issues can be emailed to choochonghcga@yahoo.ca

Steve and Kathy, North York

The Canadian real estate landscape, though it has experienced challenges in some areas and housing types, is proving resilient. Experts do not foresee a U.S. style crash, but a decline in sales with moderate price increases is likely for some areas. Quick flips and fast returns may be a thing of the past. First-time homebuyers should not try to time the market, but buy when you are ready and able. Leave market timing to the experts, if such a thing is possible. A home used as your primary residence is a great investment. From a financial and tax perspective, there are at least three good reasons. In Canada, the sale of a family home is tax-free. A home that is a principal residence that is subsequently sold at a higher price than initially purchased, will be exempt from income taxes. That’s right, Stephen Harper will not share in your good fortune. Secondly, pay yourself first, not a landlord. For many, mortgage payments are a way of “forced savings.” It makes more economic sense to fatten your pocket than a landlord. Thirdly, you can decorate and enjoy the home as you please. No money saved, but gratifying to the soul. However, before venturing out into the land of homeownership, it would be

54 New home guide GTA | apr 19 - may 3, 2014

prudent to do some homework. There were changes introduced in 2012 by the federal finance ministry that affect mortgages and the housing industry: ›› Buy what you can afford Many times, the heart is bigger than the pocketbook. Know what price range is comfortable and try not to deviate. ›› Get the best interest rate and terms Shop around for the best rate and terms. Financial institutions want your business more than you need them. A half point rate differential can cost you thousands. So can a mortgage that is closed or not portable ›› Big down payment Put down as much as possible to avoid a high-ratio mortgage. Be aware of some new mortgage rules introduced in 2012, such as: • Purchasers requires mortgage insurance (CMHC) for less than 20 per cent down payment • Amortization period – reduced from 30 to 25 years. Could add several hundred dollars to monthly payments • Gross Debt Service Ratio (GDS) 39 per cent. Banks use this to determine what you can afford based on gross income to housing costs. Check if you are on-side. ›› First-time homebuyers should make sure monthly mortgage payments are manageable and will continue to be so even if interest rates rise as early as next year and payments increase ›› Closing costs Set aside an additional two to three per cent of purchase price of the house for closing such as, Land Transfer Tax, legal costs and unwelcome surprises. You do not want get caught short several thousand dollars on closing day in order to complete the deal. Speak to a real estate lawyer and he or she will give you some ideas ›› HST, Land Transfer Tax Under certain circumstances, first-time homebuyers can qualify for Toronto Land Transfer Tax and HST rebates. Remember, you pay 13 per cent HST on new homes, not resales. If you’re buying a new home, check if HST is included in price quoted. What happens to the HST rebate? Who gets it? ›› Home Buyers Plan (HBP) Use your Registered Retirement Savings Plan (RRSP) as part of the down payment. An individual and their spouse, provided they qualify, may withdraw up to $25,000 each, tax-free, from their RRSPs. You then have 15 years to repay the amounts to your RRSP, starting after the second year of your withdrawal.

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goldparkhomes.com • 1-705-516-1045 All renderings are Artist’s concept. Prices and specifications are subject to change without notice. E. & O.E.

Lot #86 - 1 Nadmarc Court Model Homes & Sales Office Hours: Mon. - Wed. 1pm - 7pm, Thurs. & Fri. by appointment only, Sat., Sun. & Hol. 12pm - 5pm.

//community focus

GOLD PARK’S RIVERWALK

a breath of fresh air in Angus Discover a superb collection of detached homes on 36-, 42- and 50-ft. lots along the Nottawasaga River The Stoneview Elevation A 3,325 sq. ft.

Location Angus Housing Type Detached homes on 36-, 42and 50-ft. lots Sales Centre 1 Nadmarc Crt., open Monday to Wednesday from 1 to 7 p.m., Thursday and Friday by appointment, Saturday, Sunday and holidays from noon to 5 p.m. Contact 705.516.1045 goldparkhomes.com

he opportunity to own a brand new spacious detached home on a generous lot in scenic surroundings for prices beginning from just the low $300,000s is a reality in Angus, where Gold Park Homes has just opened the Riverwalk community. Run, don’t walk, to explore all that this exclusive collection of 178 homes has to offer. Situated adjacent to the Nottawasaga River, Gold Park’s homes grace 36-, 42- and 50-ft. lots that are elegantly announced by stone entrance gates. The creation of the second generation of Gold Park’s founding family, the new neighbourhood follows in the footsteps of the homes that came before in this gorgeous location, which has grown into a mature, fully established area. Location, location, sensation!

The new homes have picturesque views and easy access to forested trails that lead to the river’s green valley in the countryside just south of the community. Outdoorlovers will appreciate living so close to the 11,000 acres of wilderness and natural lands overseen by the Nottawasaga Valley Conservation Authority. Hiking, mountain biking, jogging, picnicking, birding, nature photography, canoeing, 56 New home guide GTA | apr 19 - may 3, 2014

kayaking, fishing… the list of activities and recreational opportunities is long and impressive. All of this can be yours in a place that represents the very best of smalltown Ontario. Part of Essa Township, which is known as the place “where town and country meet,” Angus is home to a library, Catholic and public elementary schools, a public secondary school, shopping centre, other retail stores, a golf centre, sports fields and the Angus Recreation Centre. Barrie (home to Georgian College) is a few km to the east, Wasaga Beach is less than half an hour away, and Toronto and its

GOLD PARK HOMES | Riverwalk

If you’ve been considering buying your dream home, call Gold Park – the name you can trust to make that dream come true.

multitude of amenities are just an hour’s drive. Lake Simcoe is close by as well, with its beaches, water sports and year-round fishing. Hwys. 89 and 400 are just minutes away, making commuting to the GTA easy. Hurry for the best value!

Homes at Riverwalk range in size from 1,597 to 3,325 sq. ft., and prices begin from the low $300,000s. For a limited time, Gold Park is offering Bonus Packages adding up to $10,000 for the 36-ft. collection, $15,000 on the 42-ft. collection and $25,000 on the 50-ft. homes. A name you can trust…

For more than 30 years, Gold Park Homes has been in the forefront of the building and development industry, earning a reputation for new home quality and craftsmanship with both the public and its peers. Gold Park has built successful communities across the GTA and beyond, all the while maintaining the close, personal involvement that has been at the foundation of its success. The principals are

committed to making the home buying process a pleasure, and to accommodating purchasers in the things that really matter, in the design and construction of their home. It’s a pledge of performance that is reflected in the company’s sterling reputation for after-sales service. If you’ve been considering buying your dream home, call Gold Park – the name you can trust to make that dream come true. Act now…

The Riverwalk sales centre and model home are located at 1 Nadmarc Crt. in Angus. From Hwy. 400, exit west onto Dunlop Street West, travel south on Line 5, west on Gold Park Gate, south on Greenwood Drive and west on Nadmarc. Hours are Monday to Wednesday from 1 to 7 p.m.; Thursday and Friday by appointment; Saturday, Sunday and holidays from noon to 5 p.m. For more information, call 705.516.1045 or visit goldparkhomes.com apr 19 - may 3, 2014 | New home guide GTA 57

//legally speaking

New-home

purchases and HST » by jayson schwarz and Konstantine Chatzidimos

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.

Konstantine Chatzidimos

is an associate in the law firm Schwarz Law LLP.

Purchasers of new, resale and condominium homes who visit our offices are often confused about the way the harmonized sales tax (HST) affects their transactions. This inspired us to write a few words in the hopes of demystifying this oftmisunderstood aspect of the new home purchase. Purchases of new freehold and condominium homes in Ontario – unlike resale or “used” homes – are subject to the HST. HST is a combination of the eight per cent Ontario provincial sales tax (PST) and the five per cent federal goods and services tax (GST). The percentage of HST applicable to the transaction is directly related to the purchase price of the home. However, homebuyers are able to claim a rebate of some of the PST and GST. For example, the rebate associated with the PST portion of the tax is available for new homes priced up to $500,000. The PST rebate for new properties under $400,000 is six per cent of the purchase price (or 75 per cent of the eight per cent PST portion of the HST), with the rebate amount reduced for homes priced between $400,000 and $500,000. There is a similar rebate mechanism for the five per cent GST portion of the HST. What is important to understand is that the vast majority of Ontario builders incorporate the rebated amount of HST in their purchase price. This is because the HST rebate is immediately available only to purchasers who are buying new properties with the intent that they will be their primary place of residence or the primary place of residence of a family relation. In this case, the purchaser does not have to submit a rebate application directly to the Canada Revenue Agency (CRA). The purchaser will sign the rebate application and provide it to the builder, which will then send the rebate application to CRA when the builder claims a deduction in its net tax calculation for the amount of the rebate. Structured this way, the HST is effectively a non-issue for purchasers as the builder takes care of all the paperwork. In cases where the purchased property will not be the principal residence of the buyer or a family relation of the buyer, but will instead be an investment property, it is the responsibility of the buyer to inform the builder. This is because the builder must add back the HST rebate to the purchase price which will have to be paid by the buyer upon closing. This does not mean that the HST rebate is lost to the buyer as they will have a two-year period in which to claim the HST rebate directly from CRA, provided certain guidelines are met such as a ‘reasonable expectation’ that the first use of the property is – or will be – by a tenant occupying it as their primary place of residence for at least one year. Required supporting documentation will include the Agreement of Purchase and Sale, the Statement of Adjustments,

58 New home guide GTA | apr 19 - may 3, 2014

the insurance policy on the property, as well as the lease with the first tenant. The rebate in this case is calculated in the same manner it is in respect of owneroccupied dwellings. It is important to note that while investor-purchasers of new long-term rental accommodation are eligible for the HST rebate, speculators are excluded. Anyone who buys and rents a new freehold or condominium home must repay the full amount of the rebate (plus interest) if the property is sold within one year – unless the new purchaser acquires it for use as their (or a relation’s) primary place of residence. It is also important to note that lying to the builder about your intention to live in the new property when you will, in actuality, rent it out can cause you problems with the CRA. If you do this and the CRA finds out, you will be liable to pay back the full amount of the HST rebate you received on closing plus applicable interest and penalties. In addition, you will be swearing affidavits under oath or affirming the truth and you could be guilty of perjury. Please note that the underlying legislation is more complex than it may appear from reading this article. For a comprehensive explanation of the HST’s impact on investor purchasers of new real estate, it is strongly suggested that you consult a lawyer. Perhaps the most difficult part of writing these articles relates not the actual writing, but thinking of a topic to address. So help me! Mail, deliver or fax letters to the magazine or to us, use the website (schwarzlaw.ca), email info@ schwarzlaw.ca and give us your questions, concerns, critiques and quandaries. We will try to deal with them in print or electronic form.

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//hot dates

apr 19-20

apr 19-21

Harbourfront Centre Spring Fling Festival

Easter at the Toronto Zoo

To celebrate the return of spring and the opening of Torontoâ&#x20AC;&#x2122;s waterfront, this festival has a number of activities throughout the weekend for the whole family. Spring themed activities will include gardening at the Discovery Garden, scavenger hunts, basket weaving classes, and a look at nature through binoculars at the Signs of Spring event. There will be live music by the rock Monkey Bunch, and workshops to learn more about Afrofusion, Mexican folklore and Tribal Vision Dance. harbourfrontcentre.com

Easter at the Toronto Zoo has colouring, hands-on crafts and meet-and-greets with giant panda performers as well as a litter of educational activities with a festive twist. Hop on over to one of the Zooâ&#x20AC;&#x2122;s Daily Keeper Talks, which are intimate introductions to the habits of creatures both tiny and titanic. There are also numerous Spring Awakening Volunteer Stations showcasing the different varieties of eggs found in nature. Decked out with vibrantly decorated eggs in select exhibits, the Zoo provides a scientific take on this most chocolatey of holidays. torontozoo.ca

harbourfront centre

Apr 19 to May 3 Calendar of events beginning from April 19 to May 3, 2014

60 New home guide GTA | apr 19 - may 3, 2014

apr 19-20

Springridge Farm Easter Festival springridge farm

A weekend of Easter fun at Springridge Farm with plenty of different activities for the family. There are egg hunts with the Bunny, professional puppet show Peter Rabbitâ&#x20AC;&#x2122;s Eggcellent Easter Show, bunny face painting, bunny ears to colour and wear, access to the farm yard, visiting with baby animals, a wagon ride farm tour, and a singing chicken show. The Easter Bunny will also be hanging around the farm all weekend, hiding eggs, eating carrots and playing with the kids. springridgefarm.com

toronto zoo

April 19 - May 3, 2014

Showcasing new homes in the GTAâ&#x20AC;&#x2122;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

//community focus

Ballymore and Briarwood bring their “A” game to community building

nder the Bs in the index of Canada’s top residential builders, you’ll find Ballymore Homes and Briarwood Homes listed on the same page. But the two home builders have much more in common than just their alphabetical proximity. They also share a commitment to quality home building that has led to their buyers giving them both an “A+” rating for customer service and satisfaction.

Ballymore Homes

Ballymore Homes has always been committed to giving homebuyers more. More selection. More quality. More value. Since 1995, the principals of the firm have concentrated their construction and business experience in the Ontario housing industry on one goal: to design and build a quality home for their homeowners. From exclusive collections of estate homes backing on to golf courses, to full-scale neighbourhoods offering a wide range of single-family residences, semis and townhomes, Ballymore Homes has shown an exacting attention to detail in both design and craftsmanship, as well as an unwavering commitment to customer satisfaction. Briarwood Homes

For almost three decades, Briarwood Homes’ main focus has been all about building. Not just building great homes, but also building great relationships with its homebuyers, earning their trust, and providing them with peace of mind. Since its founding, the family-run business has demonstrated a passion for what they do, and it clearly shows. The company’s philosophy is firmly grounded in

building fine custom homes, with a dedication to old world craftsmanship this is reflected in every Briarwood home built today. Briarwood is proud of its success in the creation of unique communities, each in a prime, select location. Yet even more impressive are the great choices that the building firm offers its buyers – the innovative designs and the exceptional features and finishes. These two successful builders are currently collaborating on two joint developments in Southern Ontario. Townhomes at Mill Street

Village in Tottenham

One of Ballymore and Briarwood’s joint projects is Mill Street Village in Tottenham where the two builders are inviting families to put down roots in an area where small-town living is a daily delight, and where you can still get a lot of home for your money. ...continued on pg 64

62 New home guide GTA | apr 19 - may 3, 2014

FANTASTIC LOCATION & UNBELIEVABLE VALUE IN SUTTON

36 ' Windsor Gate Elevation A

40' Windsor Hall Elevation B

36ft. Lots 40ft. Lots starting from

$359,990

starting from

$389,990

IT’S ALL ABOUT FINDING THE RIGHT BALANCE AND A PLACE TO LOVE With a population of 5,000, Sutton is a closely knit community and part of the Town of Georgina. The town of Keswick is just a 10-minute drive where you’ll find big box retailers such as Wal-Mart, Home Hardware, Food Basics, Fresh Co. and other retailers to satisfy all your shopping needs. It’s all just minutes from Highway 48, and minutes from the new 404 extension at Ravenshoe Rd., with Toronto less than 40 minutes to the south.

TOWNHOMES Starting from

SUTTON

$279,990

MyJubilee.ca

SALES OFFICE: 4950 Baseline Road, Sutton, ON, LOE 1RO

1.877.455.0201

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

//community focus...continued

BALLYMORE HOMES & BRIARWOOD HOMES | Multi-site

These two successful builders are currently collaborating on two joint developments in Southern Ontario. Sales have been brisk, but a good selection of townhomes remain in the newest phase of the community. The townhomes are designed to be generous in both their proportions and appointments, with prices starting at $299,990. Both builders are offering a townhome bonus package of luxury features, including stainless steel fridge, stove and dishwasher, white front load washer and dryer, three-in. natural oak hardwood flooring in the family room, nine-ft. ceilings on the main floor and a cosy gas fireplace. Tottenham provides commuters with easy access to Hwys. 50, 400 and 401. The village offers parks, shopping, restaurants, an arena, golf course and recreation centre. Residents also benefit from the wider range of attractions and amenities available in the neighbouring towns of Bradford, Alliston and Vaughan. Singles at Jubilee in Sutton

Just minutes from Jackson’s Point on Lake Simcoe, Jubilee is an exciting new collection of fully-detached singles and freehold townhomes – the result of another productive partnership between Ballymore and Briarwood. At Jubilee, you and your family will rejoice in all the many opportunities to grow closer and enjoy each other’s company while surrounded by Mother Nature in all her finest. With a population of 5,000, Sutton is a small, closely knit community and part of the Town of Georgina. For those looking for a quiet country setting in which to raise their family, it’s absolutely ideal. The lake, parklands and trails, golf courses and more all surround you. The Town of Keswick is just a 10-minute drive where you’ll find big box retailers to satisfy all your shopping needs. It’s all just minutes from Hwy. 48 and close to the 404, with Toronto less than 40 minutes to the south. In addition to Mill Street Village and Jubilee, Ballymore and Briarwood will also be collaborating on an exciting new project in Brampton, with details soon be announced. For additional details, please visit both builders’ websites – ballymorehomes.com and briarwoodhomes.ca 64 New home guide GTA | apr 19 - may 3, 2014

Location Tottenham, Sutton Housing Type Tottenham, townhomes Sutton, single-family homes and freehold townhomes Contact ballymorehomes.com briarwoodhomes.ca

NEW RELEASE OF TOWNHOMES IN TOTTENHAM

Our Standards are other builder upgrades All our townhomes include: • Stainless Steel Fridge, Stove and Dishwasher • White Front Load Washer/Dryer • 3” Natural Oak Hardwood in Family Room

Towns from

$299,990

• 9 Foot Ceilings on main level • Gas Fireplace • Cold Cellar

Carries from

$3,000

CASH BACK*

$1,050.00a month P&I** TOT T E N H A M

1-855-232-8100 • millstreethomes.com SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm Prices and specifications are subject to change without notice. All renderings are artist’s concept. E. & O. E. *Only applicable on the purchase of a townhome. **See sales representative for details.

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 65

Comfort With Dow

Condo Living in Stouffville

Style

2013-06-03 11:53 AM Page 1

Comfortable Living Starting from mid thWith Downtown Style! $200’s • 5 golf curses minutes away • Steps to Main Street Stouffville • Arts & Culture • Restaurants & Entertainment

We are building • Sports & Recreation • Hiking Trails • Wineries

• Shopping

Last chance to

• All Amenities

ENJOY SPRING PROMOTION $200’s

Glengrove_JJ13_1_Layout 1 2013-06-03 11:5

• Walk to Transit

• 3 Minutes to GO Station

• 5 golf courses m • Steps to Main St Stouffville • Arts & Culture • Restaurants & Entertainment

249,900

• 10 Minutes to Hwy 404 • 5 golf courses minutes away CONSTRUCTION HAS BEGUN!!! Last chance to enjoy pre-construction pricing • Steps to Main Street Stouffville • 15 Minutes to Hwy 407 Phase 1 & 2 • Indoor Swimming Pool, & Recreation courses minutes away • Sports & • Arts• 5&golfCulture • Restaurants Entertainment Sauna & Whirlpool 481 Rupert Avenue, Stouﬀville, Ontario L4A 1T4 • Hiking Trails • Steps to Main Street • SportsStouffville & Recreation • Hiking Trails• •Wellness Wineries • Shopping • Heritage Railway Centre • Wineries • Shopping • 3 Minutes to GO Station • 10 Minutes to Hwy 404 • 15 Minutes to Hwy 407 • Arts & Culture• Walk to Transit • All Amenities • Library • Heritage Railway • Restaurants & • Indoor Swimming Pool, Sauna & Whirlpool • Wellness Room Centre • Library • Games & Media Room • Lounge uction pricing PHASE 1 &2 • All Amenities • Games & Media Entertainment

HAS BEGUN!

CONSTRU

• Heritage Raily

Starting from mid

Star

C Wit

• Lounge

com

Elevators and underground parking • Walk to Transit

• Indoor swimming Pool, • 3 Minutes to GO Station Sauna & Whirlpool • 10 minutes to Hwy 404 • Wellness Centre • Library • 15areminutes to Hwy 407 Protected areMedia Protected 481Room Rupert Co-Brokers Avenue, Stouﬀville, Ontario L4A 1T4 •Co-Brokers Games & * Lounge

nsit o GO Station to Hwy 404 to Hwy 407

481 Rupert Ave. Stouffville, ON

905-640-7571

481 R Stou

glengroveonthepark@bellnet.ca

905 640-7571

glengroveonthepark@bellnet.ca

905

481 Rupert Ave. Stouffville

905-640-7571

are Protected Co-Brokers

glengroveon

www.glengroveonthepark.com

Co-Br

• Walk to Transit • 3 Minutes to GO Station • 10 minutes to Hwy 404

Life Happens Here.

™

Whether you’re looking for a new home or a smart investment, Lindvest offers you some great choices.

B. Streets

Brownstones at Westown

Westown

Starting at $709,900 Bloor St and Bathurst St, Toronto, ON Move in this year!

Starting at $329,900 Weston Rd and Sheppard Ave, Toronto, ON

Starting at $194,900 Weston Rd and Sheppard Ave, Toronto, ON Inventory homes available — Condo Town Suites & Semis

ng omi

Soo

Style, meet heritage.

Grand Cornell Brownstones

Gracefields

Aurora Glen

Starting from $339,900 9th Line and Highway 7, Markham, ON

Starting at $414,900 Highway 2 and Rudell Rd, Newcastle, ON

Starting at $639,900 Leslie St and Wellington Ave, Aurora, ON

For more information about current and upcoming communities, visit us online.

“Lindvest”, the Lindvest logo, and “Life Happens Here” are trade-marks of Lindvest Properties Limited and are used under license. Reproduction in any form, without prior written permission of Lindvest Properties Limited, is strictly prohibited. Renderings are artist’s concept only. Pricing, specs and availability subject to change without notice. E.&O.E.

//community focus

Corvina

Model homes now for sale at

Vaughan Valley Estates Location Woodbridge Housing Type Designer-decorated luxury detached model homes â&#x20AC;&#x201C; 4,354-sq.-ft. Corvina, and 3,336-sq.-ft. Umbria Contact fieldgatehomes.com

68 New home guide GTA | apr 19 - may 3, 2014

iscover two stunning designer-decorated model homes now for sale at Vaughan Valley Estates in Woodbridge. These spectacular homes represent the pinnacle of luxurious Vaughan living. Exquisite luxury awaits homebuyers in the four-bedroom, 4,354-sq.-ft. Corvina model. It all starts with a stunning exterior of stone and stucco with three-car garage. Inside, the whole family can enjoy lavish living with a private ensuite and walk-in closet for each

FIELDGATE HOMES | Vaughan Valley Estates

Inside, the whole family can enjoy lavish living with a private ensuite and walk-in closet for each bedroom. bedroom. The master suite includes a gas fireplace, spacious balcony and spa-inspired ensuite. The main floor features a gourmet kitchen with access to a large deck, library, family room living room and dining room. The Corvina is priced at $1.53 million. Equally luxurious, the four-bedroom plus loft, 3,336-sq.-ft. Umbria model features an expansive master suite that includes a fireplace. On the main floor, homebuyers will be impressed by the great finishes in the library. Thereâ&#x20AC;&#x2122;s also a front balcony off the second floor media loft, and so much more to see in this spectacular luxury residence. The Umbria is priced at $1.33 million.

Corvina

Learn more about both of these model homes at fieldgatehomes.com

Corvina Umbria

Umbria

apr 19 - may 3, 2014 | New home guide GTA 69

Model Home Photo Compliments of Fieldgate Homes www.fieldgatehomes.com

over 55 years of excellence

The Calabria model at Fieldgate Homes’ Vaughan Valley Estates in Woodbridge stands on a 50-ft. lot and offers 3,752 sq. ft. of sheer magnificence. With natural stone, gleaming hardwood and designer touches, this model defines luxury and style.

APRIL2014

Fieldgate Homes has been featured as “MODEL HOME OF THE MONTH” as seen in the New Home Guide model home calendar

Grand Opening April 26th in the Town of Beaverton

Enjoy small town living near the shores of Lake Simcoe with this exclusive collection of detached bungalows and two storey homes on 40â&#x20AC;&#x2122; & 50â&#x20AC;&#x2122; lots.

Starting from

289,900

74 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

s t yl

l l e in Ori

Life

Phas

e 2 N ow S el l

g in

“THE ALPS” MODEL

FEATURING EXECUTIVE TWO STOREYS & BUNGALOWS “THE FUJI“ MODEL For further information contact: “THE FUJI“ MODEL MANCINI Homes Ltd.

Stone and Brick Veneer • Hardwood Floors Oak Stairs • Walkout Lots Walking Distance to Lake Head University

MANCINI H O M E S LT D .

where tradition and innovation meet

452 Nineteenth Avenue Richmond Hill, ON L4E 3P7

905-773-9997

| mancinihomes.ca | info@mancinihomes.ca

DVP

e Av

n sto ng

lva Sy

s ng Ki e v nA

Sheppard Ave E

Passmore Ave

401 53 26

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 builderâ&#x20AC;&#x2122;s ads for exact locations.

n Dr orto

Brim

Galloway Rd

t Rd

Main St

Gerard St

Manse Rd

rlet

Centennial

Lakeshore Blvd W

Ossington Ave. Dovercourt Rd.

Horner Ave

Christie St. Bay St. University Ave.

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

Logan Ave.

Danforth Ave.

St Clair Ave E

Eglinton Ave E

Sheppard Ave E Milner Ave

Progress Ave

Lawrence Ave E

East Ave

Spadina

Dundas St. W.

Bathurst St.

Evans Ave

Keele St.

QEW 4

Don Valley Pkwy

QEW

Yonge St.

Yonge St

Queensway

Avenue Rd Bloor St.

Cosburn Ave

O'Connor Dr.

Woodbine Ave

Dupont St.

Laird Dr

Dufferin St

Davenport Rd.

Pharmacy Rd Victoria Park

Dundas St W

Sca

Warden Ave

Allen Expressway

401

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Ave E

Birchmount Rd

80 Rogers Rd

Leslie St Eglinton

Ellesmere Rd

Huntingwood Dr

Finch Ave E

Bellamy Rd

Bloor St W

ng s

Bathurst St

Eglinton Ave W

Briar Hill Ave

y Pkwy

13 Steeles Ave.

McNicoll Ave

Markham Rd

Rathburn Rd

Weston Rd

d kR

ew e

Caledonia Rd

to n

427

Kipling Ave

Tre th

Keele St

W es

Don Valle Brimley Rd

Th e

k lac

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

Scarborough Golf Rd

Martin Grove Rd

Kennedy Rd

Westway

Orton Park Rd

Islington Ave

Dixon Rd

pressway

401

Finch Ave W

Drewry Rd

Pleasant Ave

Bayview

Jane St

Wilson Ave

Mills

401

400

Don

409

Signet Dr

ale

Midland Ave

Humberline Dr

Allen Ex

Dufferin St

Finch Ave W

ion

Alb

McCowan Rd

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

Alness St

central region:

Tapscott Rd

Morningside Ave

Neilson Rd Morrish Rd

Sewells Rd Conlins Rd

Reesor Rd

Beare Rd

Meadowvale Rd

Da n

76 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Jane St

Park Lawn

Royal York Rd

Renforth Dr

416-630-5039

Arista Homes

IMPRESSIONS

Fieldgate Homes

Price Range

•

Page No.

from $650,000

45 7B

impressionskleinburg.com •

• •

from $500,000

35 5F

IMPRESSIONS

905-893-9500

•

• •

from $500,000

Insert, 25 & 35 5F

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $500,000

35 5F

Lindvest Properties

Corporate

lindvest.com

•

from $195,000

67 4C

Fieldgate Homes

90 Niagara

416-981-0036

•

from $363,000

Insert & 25 7H

National Homes

The Townes of Richview

416-746-1234

•

from $570,000

37 3E

Menkes

Humber Mews

416-255-7468

•

from $480,000

6-7 3I

Menkes

Dwell city town

416-259-2525

•

from $350,000

6-7 3I

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

Batavia Homes

Goddard on the valley

416-630-5039

•

from $650,000

National Homes

The Churchill Collection in Forest Hill 416-922-1414

•

from $1390,000

Georgian Corporation

Lex Towns

416-428-3419

•

• •

from $495,000

12G

Tiffany Park Homes

Westhaven

416-792-6655

•

from $633,000

Graywood Developments Ltd

Westhaven

416-792-6655

•

from $633,000

Coventry Homes

Danforth’s Crossing

416-924-8338

•

from $450,000

12G

Fieldgate Homes

The Brownstones at Westown

lidvest.com

•

from $330,000

Emsatec Canada Inc.

The Brownstones 5

416-531-7760

•

from $350,000

Lindvest Properties

The Brownstones at Westown

lindvest.com

•

from $330,000

Lindvest Properties

Grand Cornell Brownstones in Markham lindvest.com

•

from $340,000

Tribute Communities

Canterbury

647-352-2130

•

from $767,000

Beaverbrook Homes

Evolution

416-747-9691

• from $270,000

Conservatory Group

Port Union

416-287-3128

•

Pemberton Group

Park Lake Residences

416-769-4343

H&R Developments

Westown

Monarch Corporation

from $520,000

18E

• from $180,000

hr-newhomes.com •

•

• from $190,000

Evergreen

416-495-3526

•

from $470,000

14F

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

from $190,000

10F

Tribute Communities

RCMI

416-363-4800

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

from $550,000

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $390,000

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

Decade Homes

Yorkdale Village

416-638-5656

•

from $250,000

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

• from $324,000

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

Goddard on the valley

Tel

central region:

Arista Homes

Site

Fi Map nd er

Builder

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

# Si te

Steeles Ave W

Kipling Av

ence

Clar St

Isl on 48

t ing

Huntington

Langstaff Rd

3 46

Major Mackenzie

Teston Rd

400

9 King Rd

Rutherford Rd

Maple

25 5

Centre St

Thornhill

Clark Ave W

33 28

23 16

31 44 7

Langstaff Rd

Keele St

King-Vaughan Rd

Weston Rd

Kirby Rd

Dufferin St

City of Vaughan

Pine Valley

Nashville Rd

Jane St

Cold Creek

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

Bathurst St

e Av

12 Line R

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 builderâ&#x20AC;&#x2122;s ads for exact locations.

Tel

Primont Homes

Renaissance Townes

905-770-7002

Arista Homes

Vellore Woods

Fieldgate Homes

Price Range

•

aristahomes.com •

from $690,000

Vaughan Valley Estates

905-303-4728

•

from $1333,000

Insert & 25 9F

Madison Homes

Thornhill

905-417-1203

•

from $1100,000

11 14g

Great Gulf Homes

King Oaks

905-833-6413

•

from $1300,000

38-39 12A

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com •

Tribute Communities

Gates of Nobleton

647-633-3500

•

from $850,000

Tiffany Park Homes

Valleybrooke Estates

905-303-1620

•

from $870,000

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $800,000

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

Madison Homes

Thornhill Ravines

905-417-1203

•

from $1100,000

14g

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

from $700,000

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1301,000

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

12A

Zancor Homes

Royal Collection

905-833-0883

•

from $550,000

12A

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $950,000

13g

Fieldgate Homes

Rivers Edge

905-320-5642

•

• •

from $730,000

Oskar Group

Le Sedici

lesedici.com

from $600,000

10E

Page No.

43 8F

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

20 3

oad

ider

S rson Jeffe

15 16 14

19th

nzie

ath Str

acKe

rM Majo

ea e Av rn

dr Wel

16th

. Ave

404

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Bathur

central region: Richmond Hill

ick R

Q R

Mill

Leslie

Neal D

ent

ills R

nM Elgi

Reg

404

d Yorklan

Gam 1

Ave.

ble R

404

St Yonge

22 Rd King 24

D E

Bloo

road

Side

Ave

on ingt

Bayview

Leslie S

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;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

Hampshire Mews

416-637-3520

14 Arista Homes

Jefferson Forest

jeffersonforest.ca •

15 Madison Homes

Jefferson Forest

jeffersonforest.ca •

15 Forest Hill Homes

Jefferson Forest

16 Fieldgate Homes

Page No.

from $450,000

53 5I

•

from $570,000

29 4H

•

from $570,000

29 4H

jeffersonforest.ca •

•

from $570,000

29 4H

Jefferson Forest

905-884-8017

•

from $570,000

Insert, 25 & 29 4H

27 Acorn Homes

Oak Knoll

905-773-9257

•

from $615,000

73 4C

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

Centra Homes

The Mills Collections

416-238-2404

•

from $940,000

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

St. Regis Homes

Mission Hill on Bayview

905-884-8885

from $850,000 6C

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

20 North Star Homes

King’s Crossing

416-291-9666

•

from $530,000

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

Richmond Hill

Tel

central region:

Heathwood 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

e Ave

les A

grove

Hend

Stee

Alder

404

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Thornhill ve E

John St

in Woodb

404

8 Hwy. 4

Denison

nald

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McDo

11 Con

Van

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Edwar

Hwy 7

w Ave.

Hwy 7

Dr lock 61 Bul y7 Hw

Bayvie

Ave

9 tE on S ingt

22 Well

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hn St Jo

d. ide R

404

Town of Aurora

404

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Leslie S

dy Rd

ard

Orch

Gor

S ham

le ffvil Stou

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oad

17 20

Milla

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34 86 85

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;s ads for exact locations.

ve 19 A

ider da S

Rd ton ming Bloo

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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

404

oad

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hn's St Jo

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Rd lbert 54 Mt A

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McCow

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Town of Newmarket

ock

Mul

Spruce

404 y 31 Pkw 81 het Cac

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53 52 8 42 12

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10 Con

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Elgin D avis

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Bayview Av

Town of 50 Markham

ane

L reen

44 1 55 7

e Ave

6 35 57 41 11 70

in Woodb

nzie 5 acke

y Rd

Kenned

sR Mill

McCow

ve 18 A

v 19 A

an Rd

Ave Warden

Thornhill

Town of Markham

Town of WhitechurchStouffville

t Yonge S

Town of Aurora

Town of Newmarket

St N

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

Main

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82 cessio

Al d

9 Con

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erson

Ave

S Yonge

Fieldgate Homes

The New U

Treasure Hill Homes

Primont Homes

Tel

Price Range

Page No.

905-477-6464

• •

from $576,000

Insert & 25 5G

Accolades in Markham

905-471-2852

•

from $500,000

19 6F

Heirloom in Markham

905-770-7002

• •

from $450,000

13 7f

11 Madison Homes

Greensborough

madisonhomes.ca •

•

11 7F

15 Fieldgate Homes

Aurora Trails

fieldgatehomes.com •

•

15 Arista Homes

Aurora Trails AuroraTrails.com •

•

21 13E

15 Paradise Homes

Aurora Trails AuroraTrails.com •

•

21 13E

15 OPUS HOMES

Aurora Trails AuroraTrails.com •

•

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

from $640,000

Insert & 25 18f

24 Ballantry Homes

Cornell

ballantryhomes.com •

•

from $520,000

5 8g 11 & 41 8F

•

21 & 25 13E

21 13E

30 Madison Homes

Cornell Rouge

cornellrouge.com •

•

from $600,000

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $520,000

41 8f

50 Geranium Homes

Uptownes at Cardinal Point

905-640-9999

•

from $365,000

30-31 7F

50 Geranium Homes

Uptownes at Cardinal Point

905-640-9999

•

from $365,000

30-31 7F

59 Primont Homes

Harmony

905-305-8871

•

13 5I

86 Cherrywood Homes

Glengrove on the Park

905-640-7571

• •

from $250,000

66 18E

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

17F

Mattamy Homes

St. John Forest

mattamyhomes.com

from $486,000

13E

Arista Homes

The New U

905-534-1564

•

• •

from $550,000

Paradise Homes

The New U

905-477-0317

•

• •

from $550,000

Starlane Home Corporation The New U

905-534-0493

•

• •

from $550,000

LeBovic Homes

Bovaird Trail

905-640-7361

•

• •

from $2597,000

14H

Country Wide Homes

Wismer Commons

905-907-1500

•

from $450,000

Brookfield Homes

The Arbors

905-503-0992

•

from $590,000

14F

10 Briarwood Homes

Havelock Town Manors

289-301-0077

•

from $569,000

12 Laurier Homes

windsong

905-201-5979

•

from $495,000

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

13 National Homes

Stonehaven

416-746-1234

•

from $570,000

12D

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

starlanehomes.com •

from $434,000

18F

20 Starlane Home Corporation BlueSky Stouffville

•

28 Preston Homes

Copper Hills

905-954-4050

from $500,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

from $495,000

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

from $575,000

50 Geranium Homes

Cardinal Point Downtown Stouffville 905-640-9999

•

from $600,000

50 Geranium Homes

Copperstone Ballantrae

905-640-9999

•

from $1.1,000

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

52 Fieldgate Homes

Potter’s Bend

905-294-3125

•

from $700,000

53 H&R Developments

Castle Square

hr-newhomes.com

•

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

16B

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

64 Starlane Home Corporation Upper Unionville

905-534-0493

•

• •

from $520,000

64 Paradise Homes

Upper Unionville

905-477-6464

•

from $520,000

65 Fieldgate Homes

Victoria Manor

905-294-3125

•

from $896,000

66 Treasure Hill Homes

Aurora Woods on Bayview

905-727-5794

•

from $769,000

13H

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

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

Site

M Fi ap nd er

Builder

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

# Si te 4

Mono Adjala 14

King

Schomberg

Keswick

Georgina

k La

im eS

East Gwillimbury

45 34 70 400 16 5 Bradford

Tecumseth and Tottenham65 71

Beeton

Hwy 5

Shelburne

Alliston61

Essa

400

37 55

Barrie

Oro

Orillia

Lindsay

Uxbridge

Cannington

7 3

Scugog

Oshawa

401

400

ark

Map

30 wD levie

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.

on P

Bay

Mols

Big

e Av tle Lit Yo ng eS t t Rd Poin

Steel St

Lakesh ore Burton Av Dr e

400

lop

Newcastle

Manvers

n Du

Barrie

D view le

mR Sale

Map

Rd agh Ard 4

r lle Mi

og Scug

Lake

eon

Georgina Island 33 obcayg B

Mara

s Dr

400

Vespra

90 48 Lisle 44 Angus

Sunnidale

Tosorontio Everett

43 34 39

Wasaga Beach

Bracebridge

n Vetera

60 41

Tay

400

irv

Midland

Huron Rd

iew

Thornbury

Georgian Bay

t tS

1 St.

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

84 Duckwor

north region:

nc Vi ia Rd

Mancini Homes

Price Range

•

• •

Page No.

from $270,000

74 9G

75 8C

from $325,000

72 6I

West Ridge Place Orillia

905-773-9997

•

12 Previn Court Homes

Victorian Village

1-855-777-3846

•

15 Marydel Homes

Seven Meadows

marydelhomes.com •

•

from $290,000

71 10F

16 Great Gulf Homes

Summerlyn Village

905-775-3461

•

from $440,000

38-39 7I

44 Brookfield Homes

Treetops

1-855-590-3577

•

from $350,000

17 6I

65 Brookfield Homes

Willow Glen Tottenham

905-406-1044

•

from $300,000

16 7J

71 Ballymore Homes

Mill Street Village

1-855-232-8100

• •

from $300,000

65 7J

Pacific Homes Limited

MarlLake Village

1-877-428-5115

•

from $210,000

Red Berry Homes

MarlLake Village

1-877-428-5115

•

from $210,000

Losani Homes

Summit Shores

losanihomes.com/readybuilt

from $390,000

Mancini Homes

Princeton Woods

705-730-1978

•

from $330,000

14E

National Homes

The Forest

416-746-1234

•

from $490,000

Mariposa Homes

Trailside

705-329-3330

•

from $249,000

Fandor Homes

Hamptons on Big Bay Point

705-792-6807

•

from $250,000

18D

Grandview Homes

Big Bay Point

705-735-0732

•

from $355,000

13E

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

from $290,000

11 Ballymore Homes

Lakeside Meadows

1-877-455-0201

•

from $293,000

13 Averton Homes

Victoria Highlands

416-924-0110

•

from $450,000

13 Rosehaven Homes

Victoria Highlands

416-410-0175

•

from $580,000

14 Rosehaven Homes

King Country Estates

905-558-0098

•

from $700,000

14 Aspen Ridge Homes

King Country Estates

905-558-0255

•

from $780,000

14 Country Wide Homes

King Country Estates

905-907-1500

•

from $750,000

17 Brookfield Homes

Grand Central

905-778-0873

•

from $440,000

17 Brookfield Homes

Grand Central

905-778-0873

•

from $340,000

24 Kaitlin Corporation

Blue Shores

1-866-625-2583

•

from $380,000

•

32 Country Homes

Alcona by the Lake

1-866-531-3424

•

from $300,000

33 Sandiego Homes

Lakeside Living in Innisfil

705-436-5445

•

from $285,000

37 Pristine Homes

Pebbleshores

705-436-5547

•

from $240,000

39 Stonebridge Building Group Stonebridge by The Bay

1-877-420-0880

•

from $200,000

40 Royalpark Homes

Emerald Forest

royalpark.com

•

from $200,000

41 Delpark Homes

Pretty River on Georgian Bay

1-888-257-1999

from $298,000

43 Bremont Homes

Centretown

1-877-855-1122

•

from $234,000

44 RAYMAC Homes

Brennan Enclave

705-516-0681

•

from $252,000

44 Orchard Ridge Homes

Treetops

1-855-590-3577

•

from $280,000

45 Rosehaven Homes

Dreamfields in Bradford

416-410-0175

•

from $300,000

45 Regal Crest Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $311,000

45 Country Wide Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

46 Devonleigh Homes Inc.

Creekside

705-444-0555

•

from $210,000

47 Devonleigh Homes Inc.

Parkside by Devonleigh

705-435-9991

•

from $275,000

48 Devonleigh Homes Inc.

Brownley Meadows

705-423-9662

•

from $225,000

55 Briarwood Homes

Briarwood Estates

705-294-2288

•

from $420,000

58 Lakeview Homes

Greenbrook Village

519-306-0665

•

from $280,000

59 Brookfield Homes

Fieldstone

1-855-379-1495

•

from $590,000

59 Delpark Homes

Fieldstone MyFieldstone.ca

•

from $570,000

60 Briarwood Homes

Pretty River Collingwood

1-888-257-1999

•

from $310,000

70 Far Sight Homes

Greenfields

1-855-299-7929

•

from $285,000

71 Briarwood Homes

Mill Street Village

1-855-232-8100

• •

from $297,000

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel 905-722-7210

north region:

Site Cedar Ridge

Fi Map nd er

Builder

Delpark Homes

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

# Si te IFC-Inside front cover

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. Thatâ&#x20AC;&#x2122;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.

86 NEW HOME GUIDE GTA | APR 19 - MAY 3, 2014

April 19 - May 3, 2014

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s west region

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

//home sweet home

Headlines & market predictions versus your reality » by Lydia McNutt If you read my column in the April 5 issue of New Home Guide (For Sale: A logical approach to an emotional decision) then you’ll remember my dread of having to endure weeks (possibly months) of painful open houses and showings. Well, lucky for us, that For

Lydia McNutt

is an award-winning writer and editor of New Condo Guide. Lydia’s love of architecture, interior design and the written word have landed her happily at home at Wall2Wall Media, where real estate rules. Email Lydia.McNutt@ wall2wallmedia.com, and follow her on Twitter @ LydiasTweets

Sale sign turned to Sold quicker than expected. Now, those worries about selling our home have shifted to buying one and meeting everything on our must-have list – budget and timing included. In a casual chat with a real estate agent about our plan – selling our home first, then buying – he advised me and my husband to take the reverse route and buy first. “It’s a sellers’ market,” he said. “Selling won’t be the problem, it’s buying that you should be more concerned with.” Well, the agent was right on one count – our house sold in a matter of days. But buying before selling? While the idea of taking our time to house hunt, pack and move appealed to us (my husband are I are both meticulous planners; we had our whole wedding timed, right down to the minute!), the possibility of paying two mortgages simultaneously, or settling for less than list price on our home in the interest of a quick sale, were certainly not in the plan. Ultimately, our comfort level dictated that selling before buying was the way to go. We now know exactly how much equity we have to put toward our new house, and we won’t get stuck paying two mortgages. To us, this peace of mind is worth the risk of possible bidding wars and being beaten out by a bigger, better offer. In fact, we almost expect that scenario. After all, it is a sellers’ market, right? While it’s a good idea to pay attention to the headlines and all the advice offered – professional and otherwise – take it with a grain of salt. You can never really predict what will happen in the real estate market, though many may try. Experts guess at where the market is going based on trends and historic data. And while the picture may look a certain way from a national, provincial or city-wide perspective, what happens from one street to the next, from one price range to the next, can differ dramatically. Your guess as to what the housing market holds in your specific circumstances is as good as anyone’s. Is it a buyers’ or sellers’ market? Will prices rise or drop in the next few weeks while we search for the best home and the best deal? What will happen to mortgage interest rates in the

88 New home guide GTA | apr 19 - may 3, 2014

short term? Should we buy now, or wait until the feverish, spring-time frenzy blows over? Rather than losing sleep worrying about things you can’t predict or control, think about your own circumstances and plan your future based on your personal facts. Take an honest look at your financial situation. Review your assets and debts, including mortgage (current and expected payments), car loans, lines of credit, student loans and other bills. Are you secure in your job? Are you planning to grow your family? Will you be taking parental leave from work, and if so, can you afford to pay all your bills on your now-decreased income? Once you figure out what your reality is and where your comfort level lies, you’ll be better equipped to make a decision without being bombarded by the latest headlines. The key message? Buy when you’re ready for the market, not when the market is ready for you.

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BIGGER & BETTER

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loaded with extras worth $92,800 Finished basement providing additional living space. Includes finished laundry facilities & 3 piece washroom.

$28,000 2 1/2” x 3/4” Mirage Hardwood Flooring, in a natural finish for the main floor hallway, living room, dining room, main floor library (if applicable), family room, upper hallway & master bedroom.

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APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 93

west region:

Mississauga

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 builderâ&#x20AC;&#x2122;s ads for exact locations.

905-795-8307

Vandyk Communities

Windows on the Green

Amacon

The Towns at Parkside Village

Starlane Home Corporation Churchill Woods

Greenpark Homes

Price Range

•

vandykcommunities.com

• from $300,000

705-435-9991

•

from $550,000

starlanehomes.com •

• •

from $562,000

Churchill Woods

churchillwoods.ca •

• •

from $529,000

Conservatory Group

Central Park North

905-890-0195

•

from $465,000

Dunpar Homes

Heritage Gate

heritagegate.ca

•

from $500,000

Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

Dunpar Homes

Park View Trail

416-253-5888

•

from $500,000

11F

from $570,000

Page No.

89 8B

Mississauga

Derry Village Mississauga

Tel

west region:

Forest Hill Homes

Site

Fi M ap nd er

Builder

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

Si te

# IBC-Inside back cover

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St ch ur

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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 builderâ&#x20AC;&#x2122;s ads for exact locations.

46 51

60 5

lin

Brampton, Caledon, Bolton

irp

west region:

ea ea

rio

Caledon

410

Page No.

valesofthehumber.com

•

from $664,000

27 10N

Starlane Home Corporation Vales of the Humber Estates

valesofthehumber.com

•

from $664,000

27 10N

Greenpark Homes

Vales of the Humber Estates

valesofthehumber.com

•

from $664,000

27 10N

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

• • from $325,000

BC 6P

10 Starlane Home Corporation Mount Pleasant Meadows

meadowsbrampton.com

•

from $430,000

47 6O

10 Valery Homes

Mount Pleasant Meadows

meadowsbrampton.com

•

from $430,000

47 6O

11 Fieldgate Homes

Lotus Pointe Caledon

fieldgatehomes.com

•

25 5L

12 Great Gulf Homes

Westfield

905-866-6876

•

from $570,000

38-39 7Q

Centretown

905-495-5067

•

• •

from $356,000

12 9M

22 Townwood Homes

Marigold

townwoodhomes.com

•

from $475,000

93 11L

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $410,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $510,000

38-39 6P

66 Ballantry Homes

Spring Valley Village

ballantryhomes.com

•

from $420,000

5 9M

Tribute Communities

Landscapes

905-893-3331

• •

from $399,000

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

Monarch Corporation

The Village of Southfields

905-843-0707

• •

from $390,000

Empire Communities

Lakeside

empirelakeside.com •

•

from $350,000

VanMar Homes

Credit Ridge Estates

416-746-1234

•

from $550,000

Tiffany Park Homes

The Estates of Spring Valley

905-216-5620

•

from $583,000

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca

•

from $400,000

Starlane Home Corporation Gates of Countryside

starlanehomes.com

•

from $520,000

Aspen Ridge Homes

Mayfield Village

905-230-2592

•

• •

from $350,000

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com

•

• • from $255,000

Lotus Pointe Caledon

LotusPointeCaledon.ca

•

11 Starlane Home Corporation Lotus Pointe Caledon

LotusPointeCaledon.ca

•

11 Rosehaven Homes

Lotus Pointe Caledon

moveuptocaledon.ca

•

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

32 Forest Hill Homes

Ravines of Castlemore

37 Oxford Homes

Adena Ridge

38 Andrin Homes

Turnberry Townhomes AndrinTowns.com

45 Brookfield Homes

Pathways

1-855-379-1495

•

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

51 Acorn Homes

Castlegate

acornhomes.ca

•

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant 416-410-0175

•

55 Townwood Homes

The Neigbourhoods of Mount Pleasant

LoveMountPleasant.com •

11 Greenpark Homes

•

• from $300,000

•

from $314,000

10N

•

from $430,000

905-794-8875

•

from $650,000

905-584-6444

from $600,000

•

from $350,000

from $420,000

•

from $400,000

•

from $850,000

•

from $850,000

from $575,000

11K

•

from $400,000

•

from $270,000

•

55 Townwood Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

from $270,000

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

from $339,000

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

from $400,000

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $510,000

Brampton, Caledon, Bolton

Price Range

Vales of the Humber Estates

west region:

Tel

Treasure Hill Homes

21 Primont Homes

IFC-Inside front cover; IBC-Inside back cover

Site

Fi Map nd er

Builder

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

# Si te

Co un t

Erin5

ne Li

h 9t

n ai

th 10

yR d

Hillsburg

h 8t ne Li

d oa

er Sid h 5t Rd

rry

n ai lli

6 Dr e 29 d 8 E si rk St Pa s da un D

Burlington Bay

1 38

Q 403

4 39 39

W Rd ia Ne

St w

21 E lvd

rth

r ho

Niagara on the Lake 40

Hannon42 41

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

Hamilton 3

irv ng

QEW

sio es Co nc h

Jer

Waterdown Burlington

Dr .

Mohawk

lle yvi

ita Rd

d er Sid as

sio es nc Co

403 Hwy 2

QEW

e Rd

©s

nor

rlo

d oa

er Sid

Rd n

es nc

r ove

E undas St

403

Snak

y8 Hw

407

Br e lin se Ba er w Lo

ita Br E Rd

sio

sle

rli Ca

nc Co

n sio es

Co th

lb Ki

es nc

rid

sio

s es

Burlington

M E sA ve le St

Rd e

er sb

ou M

d oa E ill lv el pb

m Ca

W al

20 er Sid 15 Rd n sio es nc

ll R

Sid e

Sid er

d oa Sid er

Sid er oa d 25

Acton, Halton Hills, Milton, Burlington, Waterdown

Flamborough

Waterdown

25 Tr 5 em ai n

Rd Rd ne e Li Lin 4 3

iss

west region:

ne Li

401

n sio

1 7 9 17

al af Tr

401

ill

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

Milton

w To

oa d

Sid er

y. 7

Halton Hills Georgetown Ja m

on Br

ne Li

oa d Sid er

oa d

D E

oa d Sid er

Cl ay

hi ll Rd

d rR Rd ga al ne af Li Rd Tr 6 ne Li 4

rt Rd ou ll sC hi le rc vd Co Chu Bl t on e S ct c la al W

vd Bl ne Rd Li ill ne ch th Li /9 ur 8 Rd Ch w on ie st Rd nv in e ai n W Li nt ou 10 M

Acton

Stoney Creek

Grimsby

44 37

St. Catharines

Niagara 420

Price Range

Page No.

Cranberry Hill

mattamyhomes.com

from $360,000

Insert 8N

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

•

from $350,000

8-9 9G

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

from $420,000

6-7 9C

Schuit Homes

Perth Park

905-628-9559

• 1Q

Great Gulf Homes

Edgewood

905-356-9408

•

Spallacci Homes

Simona Place

spallaccihomes.com •

Spallacci Homes

Eden Park

905-381-4280

•

from $320,000 2Q

Spallacci Homes

Eden Park

spallaccihomes.com •

from $320,000 2Q

Arista Homes

Milton Trails

905-864-3306

Country Green Homes

The Uptowns of waterdown

905-690-7600

•

from $250,000 7M

Lakeview Homes

Cannery Park

1800-565-5150

•

from $350,000 12R

Beaverhall Homes

Forestwood

905-636-1365

•

from $495,000 9G

12 Tobyn Park Homes

Park City

parkliving.ca

13 Heathwood Homes

The Village at Traditions

905-876-3140

•

from $441,000 8h

20 Parkbridge Lifestyle Communities Inc.

Cherry Hill at Vineland

1-800-479-9777

•

from $194,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

• •

from $250,000 8m

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $336,000 6B

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 Losani Homes

Ancaster Glen

289-239-7629

from $370,000 1P

39 Losani Homes

The Fairgrounds

289-286-0928

from $250,000 2Q

40 Losani Homes

Greenhill Glen

905-538-8752

from $270,000 4Q

41 Losani Homes

Sherman Oaks

905-574-0828

from $290,000 2R

42 Losani Homes

Paramount

905-560-2061

from $230,000 3R

43 Losani Homes

Orchard Park

905-930-9943

from $390,000 5Q

44 Losani Homes

Discovery

905-563-0666

from $330,000 8R

•

from $305,000 12Q 2Q

• from $180,000 11l

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Mattamy Homes

Site

Fi Map nd er

Builder

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

Si te

# IBC-Inside back cover

A 9

r rD

e Rd

E Rd pe or th m ha rn

n Li

Ford Dr

n Li

Tr a

al d on M

ac D

sh a St or e Rd

ee Sp

e rM

Up p

St W as nd 25

ate

hil

Du 15

Tr e

le M id d

pe or th m ha rn Bu

e Av

tti

so at W

n Rd

Devo

o ris or M

n Li

tw ar

403

n Li

Oakville

Ro ya ll R l W in d d

rlo

ush R

Pineb

401

s Dr

Frank

tio

e Rd

u Aven

t sS dr ew

Main

Cambridge 24

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

eim R

Blenh

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;s ads for exact locations.

Elgi

Clyde

St.

ler Rd

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

rdale

west region:

Guelp

Beave

n Rd

essio

tain Foun

100

ck Rd

le Blo

Midd

Conc

s Rd

Myer

Page No.

Mattamy Homes

The Preserve

mattamyhomes.com •

•

Insert 4E

Treasure Hill Homes

Nautica at Lakeshore Woods

905-465-9133

•

from $550,000

19 6J

Menkes

Millstone On The Park

905-825-3619

•

from $420,000

6-7 3G

Markay Homes

Bronte Park Town Manors

416-746-1234

•

from $590,000

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

I BUILD COMMUNITIES. â&#x20AC;&#x153;Doing business is more complicated with countless policy initiatives affecting our industry. My involvement provides the opportunity to share industry perspectives as well as provide solutions to our government partners to achieve vibrant, well planned communities for future residents.â&#x20AC;?

Darren Steedman, Vice President Metrus Development Inc. Builder / Developer Member since 1980

I AM

Get Involved: bildgta.ca APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 102

April 19 - May 3, 2014

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s west region

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

//make your move

Unpack your common sense for a smooth move » by Chuck Resnick When it comes to moving, a little common sense goes a long way in transporting your belongings to your destination so that they arrive in good shape and on time.

Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

Considering the importance our “stuff” has in making us feel comfortable in our surroundings, these items deserve special thought and care. Thinking ahead is the best thing you can do when it comes to making arrangements and packing. Organization should be your mantra, efficiency your goal. If you are doing the packing, look ahead to lifting, stacking and unpacking the boxes during your move. People often run to the grocery or liquor store to pick up cartons, and then use newspaper as cushioning. Although this approach can save you a few dollars, in the long run, you may pay for it in stress, time and broken items. Instead, think about purchasing cartons and packing paper from the professional mover you’ve chosen. The boxes come in uniform small, medium and large sizes, which are easy to stack in a moving truck or van. Trust me, this convenience is huge on moving day. Unlike newspaper, packing paper does not leave behind ink that then has to be cleaned during an already hectic time in your life. During the packing itself, be generous with whatever you are using to cushion your things, especially fragile items. People often cram too much in each box in an attempt to keep the number of cartons down. As good as that sounds, it can backfire, as too many items with not enough cushioning may shift during transportation and damage each other. In addition, someone will have to lift each box and place it into the moving vehicle. Packing too many heavy items into one container can result in no one being able to pick it up, or worse yet, the box breaking from the weight. Common sense will tell you that heavier items should be packed in smaller boxes, and vice versa.

104 New home guide GTA | apr 19 - may 3, 2014

Did I mention labeling? Again, a little common sense goes a long way to success at the other end. When you pack the moving vehicle, remember to place the boxes you’ll need first, last — and label accordingly with the contents and which room it goes into. Even better, if you are driving to your next residence, place things such as garbage bags, tissues, dish liquid, etc. into the car. You should also carry valuables such as jewelry, your laptop, important papers and the like separately from the bulk of your items. Another way to apply common sense to packing is to look at each item with the thought, “Do I really need and use this?” Especially if you are moving from a house into a condominium suite or apartment, paring down possessions is important. The fewer things you move, the less your move will cost in terms of time and money. And speaking of money, if your budget allows, hire movers to do your packing and transporting. We do this every day, and we have it all down to an efficient system. Professional movers want our moves to go smoothly as much as our clients do. Everyone is born with common sense, but few use it. If you are planning a move, I encourage you to be one of those savvy few!

APR 19 - MAY 3, 2014 | NEW HOME GUIDE GTA 105

Wentworth St

Bloor St.

Bloor St

Gibb St

Wentworth St

King St W Bond St W

52 91 14

401

Adelaide Ave

Manning Rd

Phillip Murr

King S

Adelaide Ave

Rossland Rd

47 Bayly St E

44 48 401

42 45

Westney Rd S

401

Granite Court

Spruce Hill

ou nt

gst

46 Rd

Whites Rd

Glenanna Rd

Appleview Rd

Kin

Altona Rd

Liverpool Rd

Fairport Rd

Stroud's

Dixie Rd

Brock Rd Sandy Beach

Highview Rd

Brock Rd R aks rO o j Ma Valley Farm

Montgomery F

Squires Beach Rd

Dr Notion Rd

Kingston Rd

Magill 92Dr

Church St S

Rossland Rd

Delaney Dr

41 Rossland Rd

Lak

riv

Riverside

3 Concession

Pickering Beach Rd

Sheppard Ave

Altona Rd

Shoal Point Rd

Finley Ave

32 Sideline

Ajax-Whitby

Harwood Ave

Finch Ave

32 Sideline

Rosebank Rd

4 Concession

North Rd

McQuay

Liverpool Rd

Whites Rd

North Rd

Gordon St

Cochrane St

To wn of Ajax

43 90

4 Concession

5 Concession

Brock Rd

30 Sideline

City of Pickering

7 Conncession

9 Concession

28 Sideline

Brock St S Henry St

54 66

Ravenscroft

16 Sideline

Whitevale Rd

5 4 3

24 Sideline

Blair St

Taunton Rd W

Taunton Rd E

Westney Rd N

Church St N

20 Sideline

Olive Ave

Beatrice St

55 Taunton Rd W

13 37

Salem Rd

Greenwood Rd

Brock Rd

Hopkins St

Dundas St E

To wn of W hitb y Salem Rd

16 Sideline

Thornton Rd

Kendalwood R

Audley Rd

Paddock Rd

16 Sideline Brock Rd Cen tral St

Stevenson Rd

Townline Rd

Audley Rd

7 Concession

9 Concession

8 Concession

12 Sideline

Brock St N

Lakeridge Rd

Fifth Conces

Baldwin St S

4 Sideline R

6 Sideline

Park Rd S

Garden St Blair St

Garden St

Coronation R

6 Concession

4 Sideline

4 Sideline R

Dryden Bv

Conlin Rd

Halls Rd N

Anderson St

Ritson Rd S tS eS co Sim

Centre St.

Garrard Rd

Country Lane

Columbus Rd

Brawley Rd

Country Lane

Rossland/Winchester R

Myrtle Rd W

Cochrane

60 3

Village of Bro oklin

11 10

Cedarbrook T

Ashburn Rd

Thickson Rd

Baldwin St N

Duffs Rd

Church St E

Thornton Rd

Wilson Rd S

Pickering, Ajax, Whitby, Oshawa

Garrard Rd

Lake Ridge R

east region:

Mary St N

Sim

Harmony Rd S

Central Park

Stevenson Rd

106

Conlin Rd

City of Oshawa

8 Concession

13 12

Stevenson Rd

Ritson Rd N

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 builderâ&#x20AC;&#x2122;s ads for exact locations.

19 18 17 15 14

Wilson Rd N

devie

Gran

Harmony Rd N

Grandeview S

Bay

Townline Rd. Grandeview S

Page No.

Tribute Communities

Charing Cross

905-571-1011

•

from $390,000

15 14E

Menkes

Somerset

905-428-0500

•

from $520,000

6-7 7G

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

Brookfield Homes

Hills of Harrowsmith

905-697-1681

•

from $300,000 15G

Great Gulf Homes

Stonecrest

greatgulf.com

•

from $298,000 15F

Emery Homes

Town Central

1-877-953-6379

•

from $350,000 4J

Highmark Homes

Triumph

whitbytriumph.ca •

from $350,000 10G

Lakeview Homes

The Forest of Lyndebrook

416-746-1234

•

from $490,000 10F

Stafford Homes

Elements Townhomes

elementsajax.com

from $390,000 7H

13 Liza Communities

Folkstone

1-877-365-9555

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $334,000 14F

31 Preston Homes

Prestonvale Heights

905-432-2800

•

from $350,000 15J

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $339,000 15G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $273,000 6J

47 Senator Homes

Whitby by the Lake

senatorhomes.com •

•

from $250,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

from $250,000 9G

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $550,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

from $300,000 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 $579,000

• •

105 5H

Pickering, Ajax, Whitby, Oshawa

Price Range

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

# Si te

107

Mill St

Parkhill Rd.

115

24 16

te Wa

Peterborough

9 31 Lansdowne Ave.

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

Durham 23

Bloor St.

Hwy 2

Oke

Nash Rd

Angelina St North

Lindsay St. North

Major St.

Lorne St.

Lindsay

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

Harmony Rd

Hw Mya2rsh

401 14

Bloor St.

LAKE

ONTARIO

St. Ridout W al to

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

Kin

Concession St

Baseline Rd. E

Concession Rd 3

Bowmanville/ Newcastle

Hwy

401

7 12

Lake Scugog

ill Mc G

Lake Scugog

LAKE ON TA

Port Hope

MacDonald Cartier Freeway

106

RIO

115

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

* Due to scale restrictions locators are approximate. Please see builderâ&#x20AC;&#x2122;s ads for exact locations.

To Toronto

Hwy

Nash Rd

St. Hw

Baseline Rd. W

King

Mearns

7 y4 30 Hw 3 Goodwood Rd

Centre

Rd.

Quaker Village Dr

Uxbridge

Brock Rd To

Che Monaghan Rd.

Brock St

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

Hwy 134

Liberty St. N Liberty St. S

West Townline Rd. N.

le Rd

Varcoe Rd Darlington Blvd

n io Un

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

Hwy 28

Av e Trulls Rd

Regional Rd 57

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:

Prest

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

Simcoe St. (From Oshawa)

y. 4 H

108 Hw

Page No.

Mason Homes

Port Hope Lakeside Village

905-885-6565

•

from $229,000 12K

Far Sight Homes

King’s Bay Golf & Country Club Estates

905-642-8383

•

from $408,000 15B

Far Sight Homes

The Estates at Sunset Ridge

905-642-9015

•

from $690,000 2E

Brookfield Homes

Foxtrail

brookfieldhomes.ca •

from $400,000 5B

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $479,000 14E

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

Parkview Homes

Harmony

705-748-4663

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 Estates

1-888-894-9888

•

from $330,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $266,000 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

1-866-514-3573

•

from $300,000 10c

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

Foxmeadows Estates

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-787-0963

•

from $260,000

35 Mason Homes

Parklands

1-866-443-7900

•

from $238,000 3H

39 H&R Developments

Gracefields

hr-newhomes.com •

from $322,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $290,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Brookfield Homes

• • from $260,000 14E

• from $178,000

• • from $286,000

3I 9I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $245,000 11B

BrookHill

905-697-1681

•

• •

from $300,000 10B

48 Jeffery Homes

BrookHill

905-697-0765

•

• •

from $300,000 10B

72 Vandyk Communities

West Park Village

vandykcommunities.com •

• •

from $210,000

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

109

Published by

VIEW OUR MAGAZINES ON ANY

DIGITAL DEVICE anytime, anywhere!

Now you can view all New Home Guide magazines online using any smartphone, tablet or desktop device.

NEWHOMEGUIDE.CA

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

apr 19 - may 3, 2014 | 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

monthly payment

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

01 02 03

Calculate the combined monthly before-tax income of you and your spouse. Divide by three. This figure is the monthly payment you can afford to make on your home. 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.

112 New home guide GTA | apr 19 - may 3, 2014

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 firsttime buyers take the 25-year amortization.)

Multiply this figure by the amount you need to borrow. Divide by 1,000.

06 07

Add to this your estimated monthly heating costs and monthly property taxes. 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 andget pre-qualified.

Mortgage payment calculation chart %

Interest Rates

10 years

Amortization Periods

15 years

20 years

25 years 4.73

4.21

4.99

4.48

3.00%

9.65

6.90

5.54

3.50%

9.88

7.14

5.79

3.25% 3.75%

9.76

9.99

4.00%

10.11

4.50%

10.34

4.25% 4.75%

5.00% 5.25%

5.50% 5.75%

6.00%

6.50%

6.25% 6.75%

7.00%

7.25%

7.50%

7.75%

10.23 10.46 10.58

9.00%

7.75

7.88

11.00%

11.25%

11.31 11.43

8.53

8.66

8.80

11.56

8.93

11.81

9.21

11.68

5.82

6.85

6.10

9.07

7.12 7.41

7.55

7.69

7.84

12.58 12.84 13.10

13.24 13.37 13.50

13.64

13.77

12.00%

14.18

14.04

12.25%

14.32

12.75%

14.59

14.46

7.16

8.74

8.12

10.33

9.20

8.62

9.52

8.95

11.06

11.22

11.36

11.52

11.66

11.82

9.05

9.36 9.68

5.64 5.79 5.95

6.11

6.26 6.42

6.59

6.75

7.93

8.45

9.12

9.63

10.65

7.59

7.76

8.78

10.16

10.32

7.42

8.10

9.29

10.49

7.08

8.45

9.84

10.00

9.46

9.80 9.97

10.15

8.28 8.63

8.80 8.98 9.16

9.34

9.52

9.70

9.88

10.81

10.32

10.06

11.15

10.67

10.43

11.97

10.98

12.28

11.31

12.13

5.49

7.95

7.79

8.28

10.92

5.34

8.59

8.86

10.77

5.19

7.25

7.47

10.05

10.63

5.04

7.63

8.44

9.90

7.00

4.90

8.28

9.62

12.45

6.70

6.85

4.76

6.91

12.19

9.76

6.40

4.61

7.32

8.14

9.48

5.96

4.34

7.99

9.34

13.91

12.50%

6.57

11.94

11.50%

11.75%

5.67

6.55

8.40

10.48

10.75%

6.44

5.40

7.26

11.19

8.14

12.97

10.25%

6.17

6.25

5.53

9.75%

9.50%

10.50%

6.30

10.19

7.63

7.50

12.71

10.00%

5.26

9.25%

6.04

6.98

12.32

7.38

8.27

11.07

8.50%

5.13

10.94

10.82

8.75%

5.91

6.74

12.06

4.86

8.01

8.00% 8.25%

7.26

5.66

10.70

7.02

30 Years

10.49

10.85

10.25 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 apr 19 - may 3, 2014 | New home guide GTA 113

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

ATB Financial 2.7 4 2.94 2.89 2.99 3.04 6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 2.6 4 2.98 2.98 2.98 2.94 6.30op 6.30op Bank of Montreal 3 4 3.14 3.04 3.85 4.39 6.30op 6.30op Bank of Nova Scotia 2.6 4.55 3.29 3.14 3.44 2.94 6.45op 6.50op Canadian Western Bank 4 3.14 3.04 3.75 4.39 6.45op 6.30op CFF Bank 3.69 3.75 3.79 3.79 CIBC 3 3.09 2.79 3.75 2.97 6.70op 6.35op HSBC Bank Canada 2.65 4.45 2.7 3.95 2.93 3.09 6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 Manulife Bank 2.7 4.45 3 3.05 3.1 3.19 4.00op National Bank n/a 4.4 3.14 3.04 3.75 2.99 6.70op 6.70op Presidentâ&#x20AC;&#x2122;s Choice Finan 3 3.24 3.59 3.69 Royal Bank 3 3.14 3.04 3.75 4.54 6.30op 6.30op TD Canada Trust 3 3.09 2.79 3.44 2.97 Tangerine 3 3.19 3.24 3.49 3.69 6.30op

5 years 3.39 2.98 2.99 4.79 4.99 3.24 4.99 3.49 3.89 3.24 3.39 4.09 4.94 3.39 3.99

TRUST COMPANIES Community Trust n/a Effort Trust n/a Home Trust Company 2.5 Investors Group Trust n/a MTCC 2.6

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.25 3.95 4.74 3.25 3.6 3.7 4.6 6.30op 2.89 2.89 2.79 2.94 3.14 3.14 3.75 4.64 6.30op 3.29 3.14 3.44 2.94 6.50op

4.99 4.95 3.09 4.99 4.79

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4 Comtech Credit Union 2.95 6.2 6.40op First National Fin. LP 3.95 FirstOntario C.U. 2.7 6.34op London Life n/a 4.2 6.50op Luminus Financial 2.55 MCAP 2.6 Meridian Credit Union 2.6 4 Parama Credit Union 2.85 Steinbach Credit Union 2.5

3.01 3.1 3.33 3.65 3.99 6.25op 2.99 3.25 3.29 2.99 2.99 6.30op 2.99 2.59 2.79 2.87 3.19 3.09 3.14 3.29 2.95 3.29 6.34op 3.14 3.14 3.95 4.74 5.34 6.30op 3.05 2.75 2.95 2.9 2.95 6.3 3.6 3.95 4.35 4.89 5.14 3.09 3.14 3.65 4.39 2.95 6.30op 2.85 3.05 3.15 3.25 3.4 2.7 2.8 2.9 2.95 3.2

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 April 7, 2014. Prepared By Fiscal Agents Financial Information Services 905.844.7700

apr 19 - may 3, 2014 | New home guide GTA 114

Brookfield Homes/ Orchard Ridge Homes

Alliston – Treetops

GTA

HOT SHEET 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 Lindvest

North York – The Brownstones at Westown

Model suite now open at this collection of stacked two-bedroom condominium townhomes at Weston Rd. and Sheppard Ave. W. lindvest.com Tiffany Park/Graywood/Mantella

Mono – Fieldstone

Grand opening at Bloor and Islington – wtraditional townhomes with terraces and two-car parking. tiffanytowns.ca Tribute Communities

Nobleton – Gates of Nobleton

Grand opening now on – luxurious detached homes on 50-, 60- and 70-ft. lots. mytribute.ca VANDYK Communities

Mississauga – Windows on the Green

Now under construction – suites still remain for this boutique, midrise condo, close to amenities in the heart of Mississauga. vandykwotg.com VANDYK Communities

Cobourg – West Park Village

Master-planned community featuring bungalow townhomes, attached singles and single-detached homes. Models now open. vandykwestpark.com Tribute Communities

Oshawa – U.C.

Grand opening of this new master-planned community in north Oshawa. mytribute.ca

Augustine Group

Lake Simcoe – Crates Landing

Now open – the beauty of Lake Simcoe at an affordable price. crateslandingcondos.com Averton Homes

Mount Albert – Victoria Highlands

Now open – community of bungalows and two-storey homes. victoriahighlands.com

Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca

Rosehaven Homes

Oakville – The Randall Residences

Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

Arista Homes

new RELEASES

Grand opening now on for these semis and select number of detached homes. aristahomes.com

Markham – Grand Cornell Brownstones

North York – Goddard on the Valley

Arista/Fieldgate/Paradise/Starlane

Unionville – Upper Unionville

Now open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles. livingatupperunionville.com Fieldgate Homes

Brampton – Valleylands on Chinguacousy

Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com Menkes

North York – Bloom Park Towns

Now open – townhomes at Bathurst St. and Finch Ave. menkes.com Mattamy Homes

Brampton – Mount Pleasant North

Now open – this selection of three-storey townhomes and detached homes on 30-, 38and 45-ft. lots. mattamyhomes.com

Lindvest

A new collection of stacked condominium townhomes at Ninth Line and Hwy. 7. lindvest.com Empire Communities

Brampton – Lakeside

New 38-ft. designs in a community of townhomes, semis and detached homes. empirelakeside.com Monarch

Ajax – TranQuility

New release of detached single-family homes on private ravine and pie-shaped lots. monarchgroup.net Rosehaven Homes & Townwood Homes

Brampton – Mount Pleasant

New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots. lovemountpleasant.com Mattamy Homes

Oakville – The Preserve

Richmond Hill – The Humberlands

A new release of Village Homes and 34-, 38- and 45-ft. detached homes, many on a private crescent. mattamyhomes.com

Ballymore Homes/Briarwood Homes

Markham – Cornell Rouge

Fieldgate Homes

Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com

Tottenham – Mill Street Village

Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Aspen Ridge Homes & Great Gulf Homes

King City – King Oaks

Now open – designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.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 National Homes

Forest Hill – The Churchill Collection

Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Menkes

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

Forest Hill Homes & Madison Homes

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

Aspen Ridge Homes

Markham – Upper Cornell

New release now available – semis and detached homes on 30-ft. lots. aspenridgehomes.com Great Gulf Homes

Bradford – Summerlyn Village

Limited edition detached homes on premium conservation lots. greatgulf.com Reids Heritage Homes

Meaford – Gates of Kent

Kleinburg – Kleinburg Crown Estates

New block of bungalow townhomes – elegant and carefree condominium living, close to all amenities. Starting from $244,900 reidsheritagehomes.com

Rosehaven Homes

Bowmanville – Northglen

Monarch Corporation

Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net

Kleinburg – Kleinburg Heritage Estates

Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com

Delpark Homes

New release of 33- and 40-ft. lots, starting from $303,990. delparkhomes.ca

apr 19 - may 3, 2014 | New home guide GTA 115

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GTA

HOT SHEET 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!

preview registration Arista Homes

Vaughan – Vellmore Woods

Coming soon to Vaughan – exclusive 36and 42-ft. singles. aristahomes.com Menkes

Etobicoke – Dwell City Towns

Richmond Hill – Jefferson Forest

Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca Great Gulf

Brampton – Mount Pleasant

Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com CountryWide Homes

Newmarket – Woodland Hills

Coming soon – towns and singles, some with court, ravine and pie-shaped lots. countrywidehomes.ca Brookfield Residential

Tottenham – Willow Glen

Preview opening on now – register now for these towns and singles from the $300’s. brookfieldhomes.ca Bremont Homes

Brampton – Crown of Creditview and Nobleton

An elite collection of estate homes in two private enclaves, from the $700’s. bremonthomes.com Treasure Hill Homes

Richmond Hill – Urbantowns at Bayview

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

Markham – Accolades

Ballantry Homes

Oakville – OakPark

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

Newmarket – Stonehave

A ravine enclave in a mature community – 35-, 40- and 50-ft. lots near highways, shopping and schools. 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

Whitby – Forest of Lyndebrook

Register now for Whitby’s best 40-ft. lot value – detached homes with double-car garages from the $400’s. lakeviewhomesinc.com Beaverhall Homes

Milton – Forestwood in Milton

Now previewing in Milton – semi-towns and singles in a sought-after location. beaverhall.com Marydel Homes

Beaverton – Seven Meadows

Last chance to live in this established Markham community of singles, semis and townhomes. treasurehill.com

Grand Opening April 26 – small-town living in this collection of detached bungalows and two-storey homes. marydelhomes.com

Decade Homes

Amacon

Mississauga – Churchill Woods

CountryWide/Greenpark/ Royalcliff/Starlane/Townwood

Sutton – Jubilee

CountryWide Homes

Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca

Arista/Fieldgate/Paradise

Kleinburg – Impressions

Pre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes. impressionskleinburg.com Greenpark/Starlane

Bradford – DreamFields

Oakville – Oak Park

Milton – Hawthorne Village On The Escarpment

Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com Menkes

Etobicoke – Humber Mews

Coming soon – townhomes at Browns Line and Evans Ave. menkes.com

Toronto – Yorkdale Village

Brampton – Gates Of Countryside

Monarch Corporation

Ajax

Coming soon to Ajax – 40-ft. designs. Discover a lifestyle infused with nature. Register now! monarchgroup.net 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 Heathwood Homes

Richmond Hill – Hampshire Mews

Now previewing in Richmond Hill – an enclave of urban towns on Yonge St. heathwood.com

Mississauga – The Towns at Parkside Village

Ballymore Homes/Briarwood Homes

Coming soon to Sutton – singles on 36-, 40and 50-ft. lots from the $300’s. myjubilee.ca Starlane Homes & Valery Homes

Brampton – Mount Pleasant Meadows

Coming spring 2014 – semis and singles at Creditview Road and Wanless Drive. meadowsbrampton.com Arista/Fieldgate/Paradise/Opus

Aurora – Aurora Trails

Register now to be among the first at the preview opening of these luxurious singles, semis and towns. auroratrails.com Lindvest

Newcastle – Gracefields

New phase with 50-ft. lots this spring. lindvest.com Sunrise Homes

Oakville – Bronte Harbourside

Launching soon – 18 exquisite homes close to the water in a rare Oakville location. sunrisehomes.ca apr 19 - may 3, 2014 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

Fieldgate Homes - Corporate

Arista Homes - Aurora Trails

Fieldgate Homes - IMPRESSIONS

Insert, 25 & 35

Arista Homes - Goddard on the valley

Fieldgate Homes - Jefferson Forest

Insert, 25 & 29

Arista Homes - IMPRESSIONS

Fieldgate Homes - Lotus Pointe Caledon

Arista Homes - Jefferson Forest

Fieldgate Homes - Model Home Of The Month

Arista Homes - Vellore Woods

Fieldgate Homes - The New U

Insert & 25

Fieldgate Homes - Valley Lands

Insert & 25 Insert & 25

Aspen Ridge Homes - Corporate

IFC & 1

Insert

Ballantry Homes - Cornell

Fieldgate Homes - Vaughan Valley Estates

Ballantry Homes - Spring Valley Village

Forest Hill Homes - Cornell Rouge

Ballantry Homes - The Neighbourhoods of OAK PARK

Forest Hill Homes - Derry Village Mississauga

89 29

Ballymore Homes - Jubilee

Forest Hill Homes - Jefferson Forest

Ballymore Homes - Mill Street Village

Geranium Homes - Uptownes at Cardinal Point

bild - Promo

102

Gold Park Homes - Riverwalk

30-31 55

Briarwood Homes - Jubilee

Great Gulf Homes - King Oaks

38-39

Brookfield Homes - Treetops

Great Gulf Homes - Mount Pleasant

38-39

Brookfield Homes - Willow Glen Tottenham

Great Gulf Homes - Summerlyn Village

38-39

canpages - Promo

Great Gulf Homes - Westfield

38-39

Cherrywood Homes - Glengrove on the Park

Greenpark Homes - Vales of the Humber Estates

Delpark Homes - Cedar Ridge

Heathwood Homes - Hampshire Mews

53 91

Digital - Promo

110

Homes by DeSantis - Lyonâ&#x20AC;&#x2122;s Creek

Family of Mags - Promo

116

LeBovic Homes - Old Taunton in Pickering

Fieldgate Homes - 90 Niagara Fieldgate Homes - Aurora Trails Fieldgate Homes - BlueSky Stouffville

118 New home guide GTA | apr 19 - may 3, 2014

Insert & 25 21 & 25 Insert & 25

Lindvest Properties - Corporate Madison Homes - Cornell Rouge Madison Homes - Greensborough

105 67 11 & 41 11

Madison Homes - Jefferson Forest

Paradise Homes - Aurora Trails

Madison Homes - Thornhill

Paradise Homes - IMPRESSIONS

Mancini Homes - West Ridge Place Orillia

Plaza Premium Lounge - Promo

Marydel Homes - Seven Meadows

Previn Court Homes - Victorian Village

Mattamy Homes - Corporate

Insert

Primont Homes - Castlemore

Mattamy Homes - Cranberry Hill

Insert

Primont Homes - Centretown

Mattamy Homes - Hawthorne Village

8-9

Primont Homes - Harmony

Mattamy Homes - Mount Pleasant North

Primont Homes - Heirloom in Markham

13 12

Mattamy Homes - The Preserve

Insert

Primont Homes - Renaissance Townes

Mattamy Homes - Wildflowers

Insert

Rosehaven Homes - Corporate

22-23

Menkes - Bloom Park Towns

6-7

Rosehaven Homes - Lyonâ&#x20AC;&#x2122;s Creek

Menkes - Dwell city town

6-7

Schwarz Law LLP - Barristers & Solicitors

Menkes - Humber Mews

6-7

Starlane Home Corporation - Mount Pleasant Meadows

Menkes - Millstone On The Park

6-7

Starlane Home Corporation - Vales of the Humber Estates 27

Menkes - Somerset

6-7

Sunrise Homes - Bronte Harbourside

Menkes - The Enclaves of Upper Canada

6-7

Td bank - Corporate

Townwood Homes - Marigold

Treasure Hill Homes - Accolades in Markham

Model Home Calendar - Promo Monarch Corporation - Corporate

92 120 & IBC

National Homes - Corporate

Treasure Hill Homes - Corporate

National Homes - Stonehaven

Treasure Hill Homes - Nautica at Lakeshore Woods

National Homes - The Churchill Collection in Forest Hill

Treasure Hill Homes - Tiara Estate Collection

National Homes - The Forest

Treasure Hill Homes - Vales of the Humber Estates

National Homes - The Townes of Richview

Tribute Communities - Charing Cross

OPUS HOMES - Aurora Trails

Valery Homes - Mount Pleasant Meadows

apr 19 - may 3, 2014 | New home guide GTA 119

Monarch first. Before the ‘60’s changed the world. Before the Baby Boom began. Before the Roaring ‘20’s took us dancing to the Charleston or out to the movies, Monarch was here. First. For 96 years, families have trusted Monarch for the most important investment of their lives. So choose the one builder who has always been there for Canadian families. And visit Monarch. First.

MONARCH COMMUNITIES KLEINBURG | KLEINBURG CROWN ESTATES | GRAND OPENING OF DESIGNER MODELS SINGLES FROM THE UPPER $700,000’s* Sales Centre located at 165 Timber Creek Boulevard 416-495-3513 CALEDON | SOUTHFIELDS | NEW RELEASE SINGLES & LIVE.WORK TOWNS FROM THE LOW $600,000’s TOWNHOMES FROM THE UPPER $300,000’s Sales Centre located at 12515 Old Kennedy Road (Old Kennedy Rd. and Mayfield Rd.) 905-843-0707 AJAX | TRANQUILITY | DESIGNER DECORATED MODELS SINGLES FROM THE UPPER $500,000’s Sales Centre located at 3 Bignell Crescent (Salem Rd. North & Rossland Rd. East) 416-495-3542 SCARBOROUGH | EVERGREEN | A FEW CHOICE HOMES REMAIN TOWNS FROM THE UPPER $400,000’s Sales Centre located at 70 Town Centre Court (Town Centre Crt. and Borough Dr.) 416-495-3574 SCARBOROUGH | DANFORTH ROAD & EGLINTON | COMING THIS FALL KITCHENER | TOPPER WOODS | COMING SOON

ALSO BUILDING HIGH RISE COMMUNITIES IN:

ETOBICOKE WATERFRONT | THE KINGSWAY | DOWNTOWN TORONTO HOURS: Monday – Thursday: 1pm – 8pm, Friday: 12pm – 5pm, Weekends & Holidays: 11am – 6pm

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MonarchGroup.net

first.

*Special pricing noted above includes all applied eligible bonuses and is not to be combined with any other promotions featured. Please see a sales associate for full details. E.&O.E. 10036

mattamyhomes.com

The Community Reflecting Pool.

Get Connected To Our New Release Of Townhomes & Detached Homes In Mount Pleasant North. Right now you’ll find a great new selection of never-seen-before home designs in this highly popular Brampton community. • Connected to outdoor recreational facilities • Shopping in the village square right where you live

• Parks & Reflecting Pool in the community • GO Transit right in the neighbourhood BRAMPTON

Townhomes From $324,990 Detached Homes From $384,990

Elev. ‘B’

Sales Centre: 6 Worthington Ave. Brampton, ON

Sales Centre

Hwy. 407

Hwy. 410

Hurontario St.

Queen St.

Chinguacousy

38' Home, Plan 4, Elev. ‘A’, 2,458 Sq.Ft., $501,990

Creditview Rd.

3-Storey Townhome, The Goderich, Elev. ‘B’, 1,583 Sq.Ft., $338,990

Mississauga Rd.

Bovaird Dr./Hwy.7

Follow us: Sales Centre Hours: Monday - 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.