GTA New Home Guide - May 10, 2013

May 11 - 25, 2013 Volume 21 Issue 10

5`SOb 5cZT W\b`]RcQSa ;]c\b >ZSOaO\b O a^SQbOQcZO` \Se Q][[c\Wbg INSIDE THIS ISSUE

CELEBRATING QUALITY COMMUNITIES IN THE GTA

HOMEOWNERS SELECT THE INDUSTRY’S FINEST

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BILD CONFERS ITS ANNUAL AWARDS

Hero.

Daredevil.

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Dare to live the dream you’ve always dreamed of.

Discover a location you’ll love:

· Family-friendly streetscapes · Schools, shopping, hospitals · Dining, culture & entertainment · Parks, lakes & recreation · Lionhead Golf & Country Club · GO Transit Mount Pleasant station · Brampton Transit new Züm bus · Highways 401 & 407

Brampton Credit Manor Heights NOW OPEN Discover our new release of 50’ and 70’ Single Family Homes at Credit Manor Heights Learn more DERXW %UDPSWRQ·V family-friendly community Call 905.216.5155 or visit aspenridgehomes.com

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Markham

King City

Kleinburg

Nobleton

Richmond Hill

Upper Cornell MODEL NOW OPEN

King Oaks NEW RELEASE

Kleinburg Hills NOW OPEN

King Country Estates NEW RELEASE

Kettle Lakes Club NOW OPEN

Northeast corner of 9th Line & Bur Oak

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

Hwy. 27 & Major Mackenzie Dr.

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

Bayview Ave. & Bethesda Side Rd.

Semis & Singles from the mid $490’s

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

40’, 50’ & 60’ Lots Singles from $780’s

Semis from $570’s Singles from $780’s

Executive Towns from the mid $500’s

905.554.3446

905.539.0181

647.921.0381

905.558.0255

289.231.2849

© Aspen Ridge Homes. Prices and specifications are subject to change. See sales representative for details. All Rights Reserved. E.&O.E. May 2013. 21124.

contents may 11 - 25, 2013

||

page 90

Smart Shopper

Exclusive discounts and deals for our readers

volume 21 issue 10

cover story

p. 32 great gulf Mount Pleasant: great homes in Brampton

46

24

community focus features 14 brampton Tribute Communities

Three all-new model homes now open at Landscapes

24 markham Fieldgate Homes

30-ft singles now under construction at Potterâ&#x20AC;&#x2122;s Bend

68

46 markham & Brampton Primont Homes

Inventory sales event at Heirloom and Castlemore

68 brampton Mattamy Homes

Connecting families to the spice of life at Mount Pleasant North

72 ancaster Schuit Homes

Private residences of Perth Park offer award-winning design

14

72

66

70

36

regular and special features in every issue

4 10 56 118

editor’s note contributors hot dates ad index

88

quick tips

111 resource section

by Hellen Buttigieg

115 GTA Hot Sheet

If you don’t use it, it’s time to lose it

108 money matters

Want to get out of debt?

by Gail Vaz-Oxlade

columnists

18

BILD Report

Celebrating quality communities in the GTA

by Bryan Tuckey

20 mortgage finesse

Is paying off your mortgage bad for your net?

by Calum Ross

38 tarion report

New-home owners honour the industry’s finest

by Howard Bogach

48 Legally Speaking

Not every lawyer is a real estate lawyer

by Jayson Schwarz

50

taxing issues

Capital expenditures and deductible expenses

by Henry Choo Chong

120 fundamentally speaking What type of home should you buy?

by Wayne Karl

homebuyers’ help

66 builder perspectives

Furniture plans help with smooth moves 90 smart shopper Exclusive discounts and deals for our readers 94 style file Deco delight

by Sara Duck

104 trendspotting

Bedroom bouquet

by Elisa Krovblit

Mortgage Calculator and Rate Table

Two pages of new openings, new releases and preview registrations

in the news

36 averton homes

Victoria Highlands draws hundreds to Mount Albert 40 bILD awards Quality projects take centre stage at 33rd annual BILD Awards 70 skyline international Skyline completes acquisition at Blue Mountain 86 td canada trust Good and bad debt – tips to borrow smartly

editor’snote

Buyers’ opportunity

Low mortgage rates keep home shoppers in the driver’s seat through the summer

T

he Bank of Canada’s recent announcement to hold interest rates is good news for home shoppers.

There are many excellent mortgage products available from banks and brokers that will suit your individual needs, and some are even lower than posted bank rates. With a pre-approval in hand, you’re protected if rates rise, and if they go down, you’ll likely get an even lower rate. A pre-approval can be a win-win situation for shoppers since it means you don’t have to wait to get financing approval on a home when you put in an offer. This is an especially good tool to have in hot markets. Removing the “conditional on financing” clause could mean your offer is accepted first, since you already have your financing in place.

So, when will rates rise? Recently, we’ve been hearing that rates may not see an increase until next year at least.

The Bank will make its next scheduled rate announcement on May 29 – but don’t wait until then to get pre-approved for a mortgage. It can take a few days.

Many lenders now offer online pre-approvals to make the process easier.

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

Like us on Facebook. Search: New Home Guide

What type of home?

When answering this question, be sure to take all factors into consideration

T

o each his own, as the saying goes, and when it comes to choosing what type of new home to purchase, today’s buyers have plenty of options. For some, choices are dictated primarily by budget, location or family circumstances; for others, financial freedom and where they are in life may allow them to select purely by home type.

Indeed, the answer to this question varies and depends on many factors. One common mistake buyers – particularly first-timers – make is buying more home than they can handle. Experts agree making yourself house-poor is not a wise decision, and the best news is that with the variety of product available from builders today, you are sure to be able to find a new home that suits your taste and budget.

It’s also important to remember that homeowners buy and sell many times over in their lifetime, so if your first or second home isn’t quite your dream home, you can always plan to move up, downsize or adjust however you need to in your homeowning future.

And as our story on page 40 illustrates, GTA builders offer excellent, award-winning homes to suit just about everyone. Get out there and explore!

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

4 New home guide GTA | may 11 - 25, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

BRAMPTON

OAKVILLE

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

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My Somerset – Ajax Durham’s Community & Model Home of the Year 37’ & 42’ Detached Homes Salem Rd. N. & Williamson Dr. E., Ajax UNDER CONSTRUCTION Starting from $479,990 905.428.0500

My Millstone – Oakville Urban Townhomes Dundas St. W., east of Bronte Rd., Oakville UNDER CONSTRUCTION Starting from the low $300’s 905.825.3619

My Humber Mews – Etobicoke A Townhome enclave in South Etobicoke Browns Line & Evans Ave., Etobicoke COMING SOON Register now at menkes.com 416.642.8955

My Dwell – Etobicoke Design forward Townhomes North of Burnhamthorpe Rd. off the West Mall, Etobicoke COMING SOON Register now at menkes.com 416.642.8955

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My Bloom – North York

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Starting from the low $400’s 289.891.9103

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BUY TODAY AND RECEIVE FREE LAMINATE FLOORING & GRANITE COUNTERTOPS *Condo Model Suite is located in Hawthorne Village in Milton • 10180 Derry Road, Milton, Ontario (905) 875-2692 Condo Model Suite Hours: Monday to Thursday 1pm-7pm; Friday 1pm-5pm; Saturday, Sunday and Holidays 11am-5pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

Low-Rise Condo Model Suite Now Open.

Right now, in our Sales Centre at Hawthorne Village, you’ll find a complete Condo Model Suite. So now you can take a tour of our latest, most affordable way to enjoy living in our most popular communities.

Low-Rise Condo Suites offer the convenience of easy access to the street so you’ll feel like part of the community.

Each Condo Suite is well organized and thoughtfully designed. Each Suite is large enough to relax and entertain in style and you’ll find unique design elements you don’t find in a conventional downtown tower. These homes come with large windows for more natural light. There is private parking and a locker for each Suite.

And if you buy a new Condo Suite today, in either Hawthorne Village or Mount Pleasant Village you’ll receive free laminate flooring and granite countertops PLUS No Condo Fees for one year and No Occupancy Fees.

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

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vice-president, wall2wall Media

Jacqueline Hill

New home guide

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

contributors

Conni Robinson

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

Susan Maxwell

editor-in-chief, National real estate

Susan Legge Editor

Wayne Karl art director

Sarah Jang

contributing Editors

Sara Duck, Elisa Krovblit Lydia McNutt (on leave) BILD Report

Bryan Tuckey Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/ bildgta), Facebook (facebook.com/ bildgta), Youtube (youtube.com/ bildgta) and BILD’s official online blog (bildblogs.ca)

Taxing Issues

Henry Choo Chong, CGA

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

mortgage finesse

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

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

He can be reached at 416.410.9905

Legally Speaking

Jayson Schwarz, Schwarz Law Barristers and Solicitors

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

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

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

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Dhaval Naik, Sandra Hanak-Vujnovic Mike Terentiev, Caroline Wassef National Account Manager, Mediative

Paul Slizys

Published by

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

tarion report

Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide.

For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/ TarionWarrantyCorp.

quick tips

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

Contact Hellen at 905.829.2219 or info@weorganizeu.com

money matters

Gail Vaz-Oxlade Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com.

Follow Gail on Twitter at twitter. com/GailVazOxlade

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

newhomeguide.ca

Advertising Call 416.626.4200 for ­advertising rates and information.

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

Circulation

Copyright 2013 All rights reserved by New Home Guide,

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

Terms Advertisers,

Editorial content are not responsible for typographical errors, mistakes or ­misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E.

Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.

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

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

10 New home guide GTA | may 11 - 25, 2013

dreams

Where and families come together in 3 Superb Communities MARKHAM

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Detached homes on 46’, 50’ and 60’ lots. Ravine lots available.

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$

525,990

905-472-7667

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$

600,990

905-201-7700

from

$

1,089,990

905-417-1203

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

11

12 New home guide GTA | may 11 - 25, 2013

may 11 - 25, 2013 | New home guide GTA 13

communityfocus

A model Brampton community Three all-new model homes now open at Landscapes

S location Brampton housing type Semi-detached and detached homes contact mytribute.ca

pring has finally arrived at Landscapes in Brampton. Tribute Communities is proud to announce that three all-new designer decorated model homes are now open at this popular location. These stunning new models have each been given their own distinctive looks by talented interior designer Cindy Kunz and her highly qualified team at the Tribute DĂŠcor Studio. Drawing inspiration from a wide range of different styles, Brampton homebuyers are sure to be thrilled by these fresh-yet-functional family homes.

The first new model home is the 1,783-sq.-ft. Daisy model. This family friendly four-bedroom, semi-detached model incorporates a unique blend of modern and rustic elements that combine to create an ambiance that is comfortable and contemporary. Soft tones of cream and grey confer a sense of calm and well being, and a spacious open-concept layout makes for an inviting feel throughout the main floor. The Daisy model has also been equipped with popular upgrade features and finishes such as a twosided gas fireplace connecting the formal room and the Great Room, a C O N T I N U E D on p a g e 1 6 . . .

14 New home guide GTA | may 11 - 25, 2013

may 11 - 25, 2013 | New home guide GTA 15

communityfocus |

CONTINUED

TRIBUTE COMMUNITIES

Landscapes

frameless, open shower to accompany the oval soaker tub exotic. Distinctive upgrade features and finishes include in the master ensuite, seven-in. engineered flooring and maple wood kitchen cabinets with a rich, dark stain, a much more. Tribute’s Décor team can help you decorate large kitchen island that’s perfect for family dinners and a Daisy model of your very own, priced from just entertaining, and – truly the heart of the home – a stun$429,990. ning wall of marble mosaic tiling surrounding the fireplace.

Another one of the model homes currently being fea- The Tulip with finished basement is priced from just tured is the 1,641-sq.-ft. four-bedroom, semi-detached $436,990.

Tulip model. It is finished in a decorative style one could Landscapes is a complete master-planned community, define as “simply casual,” which is an apt description for offering a wide variety of two- and three-storey townhomes, the laid-back luxury on display. This open, spacious model semi-detached and fully detached homes. Inside and out, has a crisp, clean look that conveys effortless, youthful these homes reflect the contemporary style and high quality charm. Although the theme is casual, the features and of construction that’s made Tribute Communities one of finishes are of the highest quality – with hardwood floor- the most well regarded home builders in the GTA. Located ing, a corner gas fireplace in the great room and a glass on Countryside Drive, just west of Dixie Road adjacent to and marble backsplash in the kitchen among the many the rich natural beauty of the Heart Lake Conservation wonderful features and finishes on offer in this excep- Area, yet minutes away from schools, Hwy. 410, and all tional family home. This Tulip model is priced from just the conveniences of Brampton, Landscapes offers the best $416,990. of all worlds.

The final model home to explore is a 2,198-sq.-ft. semidetached Tulip model, which finds its extra size in 557 sq. Visit Landscapes this weekend to tour the new model ft. of beautifully finished basement, including a recreation homes and discover life in this one-of-a-kind family comroom and three-piece bathroom. With a Moroccan-inspired munity. To learn more about Landscapes or any of Tribute’s theme, this four-bedroom home’s warm jewel tones and other fine GTA communities, please visit mytribute.ca spice colours offer an atmosphere that is comfortable, yet

16 New home guide GTA | may 11 - 25, 2013

may 11 - 25, 2013 | New home guide GTA 17

bildreport

Bryan Tuckey is President and CEO of the Building Industry and Land Development Association (BILD) and can be found on Twitter (twitter.com/bildgta), Facebook (facebook.com/bildgta), Youtube (youtube.com/bildgta) and BILD’s official online blog (bildblogs.ca).

Celebrating

quality communities in the GTA

by Bryan Tuckey On Friday, April 26, more than 1,100 industry

professionals gathered for a much-anticipated event, the 33rd annual BILD Awards, which recognizes the GTA’s best new homes and communities in 48 categories ranging from marketing campaigns to architectural design and community building.

The prestigious Home Builder of the Year award was given to Tridel for the company’s focus on quality, superior customer service, innovation and commitment to green building. The company also shows industry leadership, builds partnerships and contributes to the community. A key component of the judging process for this award is a customer satisfaction survey completed by recent occupants of the builder’s communities.

In the Green Builder of the Year category, the Minto Group and Times Group were the winners. Minto was recognized in the lowrise sector for its belief in the power of collaboration, continuous improvement and making the world a better place. The company’s environmental policy states “Minto believes that it has a corporate responsibility to the environment and that actively pursuing green 18 New home guide GTA | may 11 - 25, 2013

initiatives is compatible with growth and prosperity.”

In the highrise sector, Times Group was rewarded for its commitment to sustainability and for adopting green construction practices and technologies early. The company develops sustainable communities and provides support to local conservation associations.

Our other pinnacle awards include the Place to Grow Community of the Year Awards. Kylemore Communities was awarded top honours in the lowrise category for its Angus Glen Community development, while Liberty Developments was recognized for Centro Square Condos on the highrise side.

Massey Tower by MOD Developments and Edition Richmond by Curated Properties were selected as the year’s top projects in the lowrise and highrise categories, respectively. INDX Condos by Lifetime Developments and CentreCourt Developments was selected as the winner of the People’s Choice Award. We had more than 1,300 people vote during an online public engagement campaign.

We presented the second annual Stephen Dupuis Community Building Award to Lucy Stocco of Tribute Communities in recognition of her community service efforts. A recent recipient of the Queen’s Diamond Jubilee Medal, Lucy was selected because she is an industry and community leader, as well as exceptionally dedicated to giving back to the communities she has built.

The Riley Brethour Award for outstanding and consistent professional achievement in residential sales and marketing was presented to George Carras, owner of RealNet Canada Inc. He is a past winner of BILD’s Member of the Year award and exhibits consistent leadership and involvement in the improvement of the industry and the Association.

In a special dedication, the Association recognized Joseph Lebovic of Lebovic Enterprises Ltd. with the prestigious BILD Lifetime Achievement Award. A welldeserved award from his peers, he has dedicated his life to building quality complete communities across the GTA and is a champion of the industry.

There is a list of all of the winners on bildawards. com – find out if your home or neighbourhood was recognized and celebrate with us.

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19

mortgagefinesse

Is paying off your mortgage

bad for your net?

by Calum Ross

In a society where financial-planning education

and free financial resources are readily available, it is difficult to believe that most people do not understand how to use their cash flow and capital effectively. When determining many people’s top financial objectives, a large number of people put building their net worth and paying off their mortgage at the top of their list. While at face level these seem to be rational choices, I will show you why these goals may contradict one another, and how being mortgage-free is a detriment to building net worth.

With rates of returns in the equity markets once again showing positive returns, RRSP contributions and investments are once again a hot topic. The challenge that this presents for most individuals is clear – with a finite income, how does one allocate capital to acquire that net worth figure that brings you to the point where work is something you choose to do rather than need to?

The RRSP-versus-mortgage debate has long been the source of controversy. While there is no definitive answer, here are some rules that will enable you to make an informed decision. The major factors influencing the choice of options are the mortgage interest rate versus the expected return in the RRSP, the investment time horizon versus the mortgage time horizon, the availability of RRSP contribution room, and the ability to capitalize on mortgage prepayment privileges.

Given an expected RRSP return equal to or greater than the mortgage interest rate, and an investment time horizon equal or greater than the likely mortgage life, maximizing RRSP contributions generally maximizes net worth because the tax-sheltered growth of an RRSP means you get compounded growth for a long period. Conversely, as the mortgage interest rate is greater, or the investment time horizon decreases, it becomes more attractive to prepay the mortgage.

Those who are fortunate enough to have used up all of your RRSP contribution room should look at whether borrowing to invest outside of your RRSP is wise. While all the same principles stated above apply, there are a couple of distinct elements to review. When considering building an investment portfolio outside of your RRSP, compare your after-tax rate of return relative to your after-tax cost of borrowing. Generally, if you borrow to invest (with the expectation of gain) then the interest borrowed on that money becomes tax deductible. This means the real rate of interest to the borrower becomes one less your marginal tax rate percentage times interest rate on the money borrowed. For those in the top tax bracket, this can reduce the cost of borrowing by nearly 50 per cent.

Next, determine your after-tax rate of return. When investing outside of RRSPs, keep in mind that not all investment income is treated equally for tax purposes, and the difference depends on your personal tax bracket.

To optimize your after-tax rate of return, seek capital gains first, dividend income second, and interest income third.

A common misconception is that wealthy people do not have mortgages. The odds are that if you know a wealthy person without a mortgage then they likely inherited their money, do not have a good financial adviser, 20 New home guide GTA | may 11 - 25, 2013

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

or are highly risk averse. With interest rates where they are today, paying off your mortgage is, in all likelihood, not a wise financial decision if your hope is to have the highest and best use of your capital.

Take solace in this – the next time you are at a party or family function and someone smugly tells you that they have paid off their mortgage, odds are they know little about personal finance and will likely limit their personal net worth as a result. After all, who really worries about a mortgage of a couple of hundred thousand dollars when your investment portfolio is a couple of million dollars and could be used to retire your mortgage any day you choose? By deploying this strategy, what you are doing is using other people’s money to build your net worth.

At the end of the day, the correct formula for using debt for investing comes back to your investment objectives, personal goals and risk tolerance. Clearly if your after-tax rate of return is greater than your after-tax cost of borrowing, then you are getting ahead financially. Furthermore, if your cash flow allows you to take advantage of the above strategies, then it can greatly assist you in your retirement planning.

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21

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INSPIRE

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STOUFFVILLE

PORT HOPE

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Guaranteed to

I PRESS Geranium Homes invites you to enjoy life to its fullest.

With fabulous floorplans that are the perfect fit for your family...

Neighbourhoods that are the ideal place to call home...

And award-winning Energy Star ® designs that can save you money...

COMMUNITIES COMING SOON STOUFFVILLE

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communityfocus

Inventory sale at Potter’s Bend 30-ft. singles now under construction at Markham’s Potter’s Bend – move in now

location Markham housing type Inventory, 30-ft. singles attached by garage from $604,990; other homes available, 30-ft singles attached by garage from $559,990, 35-ft. detached singles from $650,990 contact 905.294.3125 fieldgatehomes.com

W

ith construction well underway at Potter’s Bend, potential homebuyers are scrambling to take advantage of last-minute inventory sales pricing in this popular Markham community.

Potter’s Bend is one of Fieldgate Homes’ most celebrated communities.

Ideally situated at 16th Avenue and McCowan Rd., Potter’s Bend is located in a beautiful, established neighbourhood setting. Shopping, schools, golf courses, places of worship and more are close at hand, offering residents every convenience. Hwys. 404 and 407 are nearby and homeowners have easy access to public transportation, including GO Transit, just minutes away.

“At Potter’s Bend, people have the opportunity to live in a very desirable Markham neighbourhood, in homes with great finishes that are affordable,”

says Jim Andrews, director of sales and marketing for Fieldgate Homes.

Currently on sale at Potter’s Bend are six inventory 30-ft. singles (atC O N T I N U E D on p a g e 2 6 . . .

The most popular feature of this stunning model is the second floor balcony located off the upstairs hallway, which adds to its architectural appeal; available as an inventory home.

24 New home guide GTA | may 11 - 25, 2013

may 11 - 25, 2013 | New home guide GTA 25

communityfocus |

CONTINUED

fieldgate homes

Potter’s Bend

The 2,119-sq.-ft. inventory model Whieldon Elevation B features four bedrooms and a great open-concept main floor plan, perfect for entertaining.

tached at the garage) now under construction. Homes range natural oak staircases, gas fireplace in the family room, in size from 1,715 to 2,119 sq. ft., with prices ranging from three-piece rough-ins for a bathroom in the basements and $579,990 to $623,990. In addition to these inventory units, cold cellars with steel insulated doors. Luxurious master there is also a good selection of lots remaining from the ensuites feature oval soaker tubs and separate shower stalls. current release with December 2013 closings available.

A generous bonus package offers granite kitchen counterThese homes feature all brick or brick and stone exte- tops and 8,000 Décor Dollars to customize your home. riors, displaying intricate architectural detailing including Fieldgate Homes’ state-of-the-art décor centre is keystones and soldier coursing. Some models feature second located just 10 minutes from Potter’s Bend. On-site profloor balconies and most homes come with large front fessional decorators are on hand to help Purchasers with porches. Architecturally controlled exterior colour pack- their selections of finishes and lend their expertise in ages ensure the most pleasing streetscapes throughout the helping new homeowners design their dream homes. community. Interiors are equally impressive and are as beautiful as they are functional. All homes come with three- Visit the sales centre today to take advantage of this in. by .75-in. natural prefinished oak hardwood flooring on incredible inventory purchasing opportunity before it’s the main floor, as well as 13-by-13-in. ceramic tile flooring too late. Call 905.294.3125 to speak with a sales reprein the foyer, kitchen and bathrooms. sentative or visit fieldgatehomes.com to review the spaOther standards include nine-ft. main floor ceilings, cious floorplans.

26 New home guide GTA | may 11 - 25, 2013

Itâ&#x20AC;&#x2122;s the feeling Rosehaven designs into some of the most desirable homes in Southern Ontario.

Homes that are as unique as you are. So choose Rosehaven and every time you step through the front door youâ&#x20AC;&#x2122;ll say I am happy, I am comfortableâ&#x20AC;Ś I am home!

Chippawa / Niagara - Lyonâ&#x20AC;&#x2122;s Creek

Brampton - Mount Pleasant

50â&#x20AC;&#x2122; Singles & 35â&#x20AC;&#x2122; WIDE Bungalow Loft Towns from the low $300â&#x20AC;&#x2122;s Lyonâ&#x20AC;&#x2122;s Creek Blvd. & Sodom Rd., east of the QEW.

41â&#x20AC;&#x2122;, 38â&#x20AC;&#x2122; & 30â&#x20AC;&#x2122; Singles, 20â&#x20AC;&#x2122; Towns & 25â&#x20AC;&#x2122; Attached Singles from the $380â&#x20AC;&#x2122;s On Mississauga Rd., north of Bovaird Rd.

Thorold - Gibson Heights

Kleinburg - Kleinburg Heritage Estates

45â&#x20AC;&#x2122;, 40â&#x20AC;&#x2122; & 36â&#x20AC;&#x2122; Singles, Towns, Semis & Attached Singles from the 240â&#x20AC;&#x2122;s Richmond St. & Winterberry Blvd., south of Hwy. 58

60â&#x20AC;&#x2122; & 70â&#x20AC;&#x2122; Singles from $1.4M. Set in the heart of Kleinburg Village at Hwy 27 and Islington Ave.

Ancaster - Tiffany Hill

Nobleton - King Country Estates

45â&#x20AC;&#x2122; Singles from the $470â&#x20AC;&#x2122;s Garner Rd. E. & Raymond Rd., east of Hwy. 6

56â&#x20AC;&#x2122; & 50â&#x20AC;&#x2122; Singles from the $820â&#x20AC;&#x2122;s Hwy 27 & Park Heights Tr., north of King Rd.

/rosehavenhomes

@thisisrosehaven

COMING SOON: Stoney Creek - On The Ridge - At Upper Centennial Pkwy and Mud St. W, south of the QEW. Register at liveontheridge.ca For directions, hours, community information, visit: ROSEHAVENHOMES COM s Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg pricing.

27

Opening Saturday, May 25th, at 11 am Sharp!

Join the over 700 families who have already chosen to live in the last truly great location in prestigious Unionville, minutes from schools, parks and golf courses and the charm of Main Streetâ&#x20AC;&#x2122;s quaint boutiques and bistros.

Register now for the best lot selection!

LivingAtUpperUnionville.com F O U R G R E AT B U I L D E R S , O N E I N CR E D I B L E M A STE R-P LA NNE D C O M M UNI TY

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Prices and specifications are subject to change without notice. E. & O.E. All renderings are Artistâ&#x20AC;&#x2122;s concept.

28 New home guide GTA | may 11 - 25, 2013

Register Today!

Great New Lot Selection and New Urban Townhomes Luxurious selection of Singles, Semis and Towns.

42’ Design

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25’ & 28’ Designs

34’ Design

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priced from the low

20’ LANE TOWNHOMES

priced from the low

25’ LUXURY TOWNHOMES

priced from the mid

25’&28’ SEMIS priced from the low

600s

$

34’ SINGLES priced from the low

700s

$

38’ SINGLES priced from the mid

800s

$

400s $500s $500s

$

42’ SINGLES priced from the upper

800s

$

may 11 - 25, 2013 | New home guide GTA 29

30

may 11 - 25, 2013 | New home guide GTA 31

coverstory

MOUNT PLEASANT

F

Great Homes in Brampton from Great Gulf!

ollowing a long-standing tradition Brampton is one of Southern Ontario’s fastest-growing of offering superb new home communi- cities because of the quality of life nurtured there. These ties in Brampton, Great Gulf is gearing include a variety of cultural, entertainment, indoor and up to introduce Mount Pleasant. This outdoor activities to enjoy year-round. prestigious new community of semis and deThis city is packed with opportunities for all ages and tached homes on 34- and 40-ft. lots is ideally interests. In downtown Brampton, Gage Park is the city’s situated close to the Mount Pleasant GO Train oldest municipal park offering floral gardens, majestic station, as well as an array of amenities. Visit trees, a gazebo and fountain. Equally as beautiful, Donald our sales centre today to experience the M. Gordon Chinguacousy Park Greenhouse and Gardens Great Gulf difference. beckon with natural appeal. And these are only two exLive at Creditview and Bovaird, in the midst amples of the glorious spots where residents and visitors of everything busy families need. Within blocks, gather at this time of the year. The city is home to more residents will be able to than 850 parks and 217 km of city-owned trails. Disaccess schools, shopping, cover playgrounds, picnic areas, tennis courts, athletic Brampton is golf courses, restaurants, fields, skateboard parks, a ski hill and trails for cycling, one of Southern parks and more. Hwys. 401, inline skating and walking. and 410 are only a few Within these v ibrant coveted sur roundings, Ontario’s fastest- 407 minutes’ drive, so commut- Mount Pleasant will offer an intimate, quiet residential growing cities ing from this home base will oasis of just 232 homes. Full-depth lots create generous be convenient. backyards, and each home is designed to meet 32 New home guide GTA | may 11 - 25, 2013

GREAT GULF

Mount Pleasant

location Brampton housing type Semis and detached homes on 34- and 40-ft. lots sales centre 9806 James Potter Rd., west of Creditview Road

contact greatgulf.com

and exceed the needs of today’s modern families.

Inside, the homes feature standard luxurious appointments, including nine-ft. main floor ceilings, extended upper kitchen cabinets, finished oak stairs (with oak or metal pickets), a gas fireplace, soaker tub in the master ensuite and much more, all as per plan. Everything is installed with Great Gulf’s trademark attention to quality and detail, and the home designs can satisfy a wide range of lifestyle needs.

Mount Pleasant has detached homes on 34-ft. lots in sizes from 1,755 to 2,685 sq. ft. and starting in price from $489,990; on 40-ft. lots from 2,625 to 3,600 sq. ft. priced from $592,990. Semis also available from 1,650 to 2,515 sq. ft. priced from $396,990.

For more than 35 years, Great Gulf has been creating neighbourhoods that continually change the way people think about homes. To date, the company has built more than 40,000 beautiful homes in innovative communities across the Greater Toronto Area and beyond. Great Gulf has earned a reputation for excellence in Brampton where some of the company’s past successes include Castlemore crossing, Fletcher’s Meadow, Willow Ridge and The Neighbourhoods of Sandalwood.

Please visit our sales centre at 9806 James Potter Rd., west of Creditview Road, or for more information, visit greatgulf.com may 11 - 25, 2013 | New home guide GTA 33

VICTORIA HIGHLANDS SAVES HOME OWNERS $300,000. GRAND OPENING DRAWS HUNDREDS OF HOMEBUYERS TO MOUNT ALBERT. Hundreds of interested homebuyers attended the Grand Opening of Victoria Highlands by Averton Homes in Mount Albert.

In the charming hamlet of Mount Albert, Averton Homes unveiled this master-planned community of luxurious family-sized homes. Situated at Ninth Line and King Street East in East Gwillimbury, Victoria Highland is less than 10 minutes from Newmarket and Stouffville, 20 min from Markham and 30 minute GO train ride to Toronto.

In this captivating setting, Averton has created the visually stunning Victoria community cradled by peaceful and picturesque surroundings. More than 400 families already live in this neighbourhood that offers an oasis in a hectic world.

An extension of this established neighbourhood, Victoria Highlands is now offering a choice of bungalows and two-storey detached homes with two- and three-car garages on 33’, 40’, 50’ and 65’ traditional deep lots. With models ranging in size from 1,800 to 4,200 sq. ft. each home has been designed based on the feedback of the hundreds of families who’ve already purchased a home in Mount Albert, and appointed each with the luxury features and modern conveniences they demand.

The community offers something for everyone, from first-time buyers to growing families to empty-nesters who enjoy having grandchildren come to visit.

With prices beginning from the mid-$400,000s to over $800,000, these homes are priced up to

victoriahighlands.com OR 416-924-0110 Prices and specifications are subject to change without notice. E. & O.E. Rendering is artist’s concept.

34 New home guide GTA | may 11 - 25, 2013

$300,000 LESS than similarly appointed homes in the GTA, making Victoria Highlands an outstanding value not to pass up.

Décor Store offers the opportunity to add that extra touch of beauty to a home that is built with the finest quality, craftsmanship and value.

Floor plans are highlighted by features, such as gourmet kitchens and spa-inspired ensuites.

Contemporary interiors are designed for the modern family’s lifestyle and feature appointments such as 9’ main floor ceilings, quality designed kitchen and bathroom cabinetry, imported ceramics, and much more.

Prospective purchasers are invited to visit Averton’s Sales Centre at Highway 48 and Mount Albert Road.

Hours are Monday and Thursday from 1 to 8 p.m.; Saturday and Sunday 11 a.m. to 6 p.m.; Friday by appointment.

For more information, call 416-924-0110, or visit www.victoriahighlands.com.

Averton recognizes the need to be green, and in Victoria Highlands all of the homes are built to the ENERGY STAR® standard for increased comfort and energy savings.

Since 1958, the Averton Group of Companies has completed over 100 residential projects and created over 10,000 homes and condominiums across North America, winning multiple awards for quality and design. With offices in Ontario, Albert and British Columbia, the Averton Group is one of the leading residential development companies in Canada whose master-planned communities and a wide range of housing meet the diverse living needs of Canadians across the country.

For those wishing to see Averton’s quality first hand, a stunning Décor Store showcases the wide range of finishing options and upgrades the builder offers homebuyers. From cabinetry, ceramic tiles, marble and granite, to carpets and hardwood floors, cornice moldings, plumbing fixtures, and much more, the

MOUNT ALBERT

Sales Centre:

Mon. - Thurs., 1pm - 8pm. Fri. by appointment.

Sat., Sun. & Hol.: 1pm - 6pm may 11 - 25, 2013 | New home guide GTA 35

inthenews

Grand Opening of

Victoria Highlands

draws hundreds of homebuyers to Mount Albert Hundreds of interested homebuyers attended

the Grand Opening of Victoria Highlands by Averton Homes in Mount Albert recently.

In the charming hamlet of Mount Albert, Averton Homes unveiled this master-planned community of luxurious family-sized homes. Situated at Ninth Line and King Street East in East Gwillimbury, Victoria Highland is less than 10 minutes from Newmarket and Stouffville, 20 minutes from Markham and 30-minute GO train ride to Toronto.

In this captivating setting, Averton has created the visually stunning Victoria community cradled by peaceful and picturesque surroundings. More than 400 families already live in this neighbourhood that offers an oasis in a hectic world.

An extension of this established neighbourhood, Victoria Highlands is now offering a choice of bungalows and twostorey detached homes with two- and three-car garages on 33-, 40-, 50- and 65-ft. traditional deep lots. With models ranging in size from 1,800 to 4,200 sq. ft., each home has been designed based on the feedback of the hundreds of families whoâ&#x20AC;&#x2122;ve already purchased a home in Mount Albert, and appointed each with the luxury features and modern conveniences they demand.

The community offers something for everyone, from designed kitchen and bathroom cabinetry, first-time buyers to growing families to empty nesters imported ceramics and much more. who enjoy having grandchildren come to visit. With prices Averton recognizes the need to be green, beginning from the mid-$400,000s to more than $800,000, and in Victoria Highlands all of the homes these homes are priced up to $300,000 less than similarly are built to the Energy Star standard for appointed homes in the GTA, making Victoria Highlands increased comfort and energy savings. an outstanding value not to pass up.

Avertonâ&#x20AC;&#x2122;s sales centre is located on Hwy. Floorplans are highlighted by features, such as gourmet 48 and Mount Albert Road. kitchens and spa-inspired ensuites. Contemporary interiors are designed for the modern familyâ&#x20AC;&#x2122;s lifestyle and feature For more information, call 416.924.0110 or appointments, such as nine-ft. main floor ceilings, quality visit victoriahighlands.com

36 New home guide GTA | may 11 - 25, 2013

DISCOVER LIVING IN AURORA

COMING SOON

St. Johnâ&#x20AC;&#x2122;s Sideroad

Wellington St. E. Presentation Centre

Vandorf Side Rd.

Bloomington Rd. E.

PRESENTATION CENTRE HOURS .PO 5IVST QN QN 'SJEBZ $MPTFE 4BU 4VO )PMJEBZT BN QN

COMING SOON

NOW OPEN

urbantowns

THORNHILL WOODS

FREEHOLD TOWNHOMES

FREEHOLD TOWNHOMES

40â&#x20AC;&#x2122; SINGLES $ 985,900*

Great Lakes Boulevard & Rebecca Street

Bayview Avenue & Highway 7

Dufferin Street & Rutherford Road

RICHMOND HILL

THORNHILL

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

OAKVILLE

urbantowns

Hwy. 404

t DFJMJOHT PO NBJO nPPS t 0BL TUBJSDBTF GSPN CBTFNFOU UP OE nPPS t 1SFmOJTIFE w XJEF PBL IBSEXPPE nPPSJOH t (SBOJUF LJUDIFO DPVOUFSUPQ t 4NPPUI DFJMJOHT PO NBJO nPPS BOE VQQFS IBMMXBZ urbantowns t %JTUJODUJWF $IBUFBV 'SFODI 1SPWJODJBM 5VEPS TUZMF FMFWBUJPOT

up to 4,500 sq.ft.

Leslie St.

Luxury Homes in an Exclusive Community with upgraded features including:

Bayview Ave.

RAVINE & WOODED LOTS AVAILABLE

$

FROM

Yonge St.

GU t GU 4*/(-&4

FROM

up to 3,500 sq.ft.

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

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

37

tarionreport

New-home owners

honour the

industry’s finest by howard bogach

Ontario homeowners have selected the building

industry’s finest for Tarion’s 2013 Awards of Excellence. Although it may seem cliché, I think of each of the 20 finalists as true winners because they made it to the top of their categories by providing the very best customer service for their homebuyers. It’s no small feat to be considered as a Tarion Awards of Excellence finalist, as there were 252 builders eligible for an award.

I was joined by the Honourable Tracy MacCharles, Minister of Consumer Services at a recent luncheon to honour the finalists. The Minister offered her congratulations to the 2013 Tarion Awards of Excellence recipients for so capably representing Ontario’s building industry.

Along with members of Tarion’s Board of Directors, Minister MacCharles and I presented the 2013 Tarion Awards of Excellence to: • Tridel, Toronto – highrise category • Fusion Homes, Guelph – large volume category • Klemencic Homes, Trenton – medium volume category • Parry Homes Inc., London – small volume category It’s no surprise to me that many of the award recipients and finalists have been recognized in previous years as leaders in customer service. Providing exceptional service takes commitment and dedication on behalf of everyone involved. For many of these builders, that means investing in a culture of customer service excellence throughout the organization.

The awards are based on the results of a comprehensive survey sent to more than 40,000 Ontario homeowners who took possession of a new home between Oct. 1, 2011 and Sept. 30, 2012. More than 6,800 survey responses were received, representing 17 per cent of consumers who bought a new home in Ontario during that time. The results were tabulated by Crunch Research in partnership with Harris Decima.

Survey questions covered every stage of the homeowner-builder relationship beginning with the signing of the agreement of purchase and sale, through construction, pre-delivery inspection and after sales service.

The Awards of Excellence represent an honour every business person strives for; recognition of a job well done, based on the people whose opinions matter most – their own customers. I consider it a privilege that these are the only awards in Ontario that recognize new home builders exclusively for customer service and congratulate all of the 2013 Tarion Award of Excellence finalists.

38 New home guide GTA | may 11 - 25, 2013

Howard Bogach is President and CEO of Tarion Warranty Corp. His column appears monthly in New Home Guide.

For more information about how Tarion helps new-home buyers, visit tarion.com or find us on Facebook at facebook.com/TarionWarrantyCorp.

2013 Tarion Award of Excellence Finalists and Recipients: Highrise builder category (More than 100 highrise possessions per year)

›› The Daniels Corporation, Toronto ›› Del Ridge Homes, Markham ›› Monarch Corporation, Toronto ›› The Tricar Group, London ›› Tridel, Toronto Large volume builder category (More than 100 possessions per year)

›› Branthaven Homes, Burlington ›› Fusion Homes, Guelph ›› Menkes Developments Ltd., Toronto ›› Monarch Corporation, Toronto ›› Pidel Homes, Guelph Medium volume builder category (21-100 possessions per year)

›› Grimesway Construction Ltd., Lindsay ›› Klemencic Homes, Trenton ›› Mirtren Homes of Belleville, Trenton ›› Terra View Homes, Guelph ›› Wrighthaven Homes Ltd., Elora Small volume builder category (5-20 possessions per year)

›› Marlo Homes Inc., Tecumseh ›› Medway Homes, Arva ›› Parry Homes Inc., London ›› Southridge Heights Inc., Tillsonburg ›› Triple T Holdings Ltd., Peterborough

may 11 - 25, 2013 | New home guide GTA 39

inthenews

Quality projects take centre stage at 33rd annual BILD Awards HOME BUILDER OF THE YEAR Tridel

The building and development industry

celebrated the best in design, construction, sales and marketing at the 33rd annual BILD Awards on Friday, April 26.

More than 1,100 industry professionals attended the event, which recognized the GTA’s best in 48 distinct categories ranging from ad campaigns to architectural design and community building.

Tridel was awarded the prestigious Home Builder of the Year award for the company’s focus on quality, superior customer service, innovation and commitment to green building, industry leadership and partnerships and contributions to the community. A key component of the judging process is a customer satisfaction survey, completed by recent occupants of the builder’s communities.

This year’s Green Builder of the Year awards were awarded to the Minto Group and Times Group.

Minto was recognized in the lowrise sector for its belief in the power of collaboration, continuous improvement and making the world a better place. The company’s environmental policy states “Minto believes that it has a corporate responsibility to the environment and that actively pursuing green initiatives is compatible with growth and prosperity.”

In the highrise sector, Times Group was rewarded for its commitment to sustainability and for adopting green construction practices and technologies early. The company develops sustainable communities and provides support to local conservation associations.

Other pinnacle awards included the development-oriented Place to Grow Community of the Year Awards. Kylemore Communities was awarded top honours in the lowrise category for its Angus Glen Community development, while Liberty Developments was recognized for Centro Square Condos on the highrise side.

Massey Tower by MOD Developments and Edition 40 New home guide GTA | may 11 - 25, 2013

Richmond by Curated Properties were selected as the year’s top projects in the low-rise and high-rise categories, respectively. INDX Condos by Lifetime Developments and CentreCourt Developments was voted winner of the People’s Choice Award. More than 1,300 people cast their vote during an online public engagement campaign.

In a special dedication, the Association recognized Joseph Lebovic of Lebovic Enterprises Ltd. with the prestigious BILD Lifetime Achievement Award.

“Joseph Lebovic has dedicated his life to building quality complete communities across the GTA,” said BILD President and CEO Bryan Tuckey, adding that Lebovic is “a champion of the industry.”

The Riley Brethour Award for outstanding and consistent professional achievement in residential sales and marketing was presented to George Carras of RealNet Canada Inc. A past winner of BILD’s Member of the Year award, Carras has exhibited consistent leadership and involvement in the improvement of the industry and the Association.

In recognition of her community service efforts, Lucy Stocco of Tribute Communities was presented with the second annual Stephen Dupuis Community Building Award.

A recent recipient of the Queen’s Diamond Jubilee Medal, Lucy was deemed is an outstanding example of industry leadership in charity and community work for her exceptional dedication to improving the communities in which she builds.

For a complete list of recipients, as well as winners from previous years, visit bildawards.com. You can also find additional information by visiting BILD’s official blog at bildblogs.ca or the Association’s Facebook (facebook.com/ bildgta), Twitter (twitter.com/bildgta) or Youtube (youtube. com/bildgta) accounts.

GREEN BUILDER OF THE YEAR – LowRise The Minto Group

P2G COMMUNITY OF THE YEAR – LowRise Kylemore Communities, Angus Glen Community – City of Markham, RN Design, TACC Construction, Guthrie Muscovitch Architects, The Brand Factory

PROJECT OF THE YEAR – LowRise Curated Properties, Edition Richmond – Cecconi Simone, Audax Architecture, Kim Graham & Associates, Paul Johnston Unique Urban Homes

bEST PUBLIC RELATIONS CAMPAIGN Reserve Properties, 109OZ – Kim Graham & Associates

RILEY BRETHOUR AWARD George M. Carras, RealNet Canada Inc.

STEPHEN DUPUIS COMMUNITY BUILDING AWARD Lucy Stocco, Tribute Communities

LIFETIME ACHIEVEMENT AWARD Joseph Lebovic, Lebovic Enterprises

BEST DIRECT MAIL – LowRise Aspen Ridge Homes – The Brand Factory

may 11 - 25, 2013 | New home guide GTA 41

BEST E-MAIL MARKETING PIECE – LowRise Great Gulf Homes, Lighthaus – Community

BEST NEWSPAPER AD – LowRise Great Gulf Homes, HOT in Mississauga – L.A. Inc.

BEST BROCHURE – LowRise Great Gulf Homes, Lighthaus – Community

BEST PROJECT LOGO – LowRise Great Gulf Homes, Lighthaus – Community

BEST PROJECT SIGNAGE – LowRise St. Regis Homes, Mission Hill on Bayview – PM Design + Marketing

BEST PROJECT RENDERING – LowRise Great Gulf Homes, Mount Pleasant

BEST SOCIAL MEDIA CAMPAIGN – LowRise Empire Communities, Victory – BAM Builder Advertising & Marketing

BEST WEBSITE – LowRise Orchard Ridge Homes, Prairiewood – 52 Pick-up Inc., ADhoc

42 New home guide GTA | may 11 - 25, 2013

BEST LOWRISE SALES OFFICE Great Gulf Homes, HOT in Mississauga – Cecconi Simone

BEST NEW HOME DESIGN Semi or townhome under 1,500 square feet Curated Properties, Edition Richmond, “Sky Loft Residence 07, 08” – Cecconi Simone, Audax Architecture

BEST NEW HOME DESIGN Semi or townhome over 1,500 square feet Pemberton Group, U Towns: The Urban Townhome Collection

BEST NEW HOME DESIGN Single, under 2,500 square feet Great Gulf Homes, Mount Pleasant, “The Carnation”

BEST NEW HOME DESIGN Single, 2,500 - 4,000 square feet Orchard Ridge Homes, Clairewood, “The Iris” – Cassidy & Company

BEST NEW HOME DESIGN Single, over 4,000 square feet Orchard Ridge Homes, Crafthouse, “Crafthouse I” – Symbolics Architecture + Design, 52 Pick-up Inc.

BEST MODEL HOME Caliber Homes, Kleinburg Crown Estates – Hunt Design Associates

BEST SALESPERSON OR TEAM – LowRise Torbel Group and Somerset Homes, Wallace Walk – In2ition Realty

26 BEST SALES MANAGER(S) – LowRise Peter Comyns, PMA Brethour Realty Group

may 11 - 25, 2013 | New home guide GTA 43

Lot Release THIS IS AN INCREDIBLE OPPORTUNITY to purchase at Vaughan Valley Estates and join the over 700 families who have already made this inspiring community their home.

SELECT FROM A

Variety of Home Designs

From the elegant curve of your new staircase, to the gleam on the designer faucet, every aspect of your new home will convey a sense of uncompromising quality and instill a pride of ownership that will last forever.

H E A R FRO M OUR P URC H A S E R S .

“We loved the Decor Store experience.”

“We love our Vaughan Valley home!”

SAM & ROSEMARY CONTE

FABIAN & DOMENICA DA SILVA

DON’T MISS OUT ON THIS FABULOUS LOT SELECTION

Over 55 years of Excellence

905-303-1929 44 New home guide GTA | may 11 - 25, 2013

905-303-4728

VISIT US TODAY and MODEL HOMES TOUR our SUPERB

6

41', 50', 60' & 80' SINGLES starting from

769,990

$

!

PLUS

$40,000

up to

in Decor upgrades*

VaughanValley.ca Scan here to view our model homes

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

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

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

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

Prices and specifications subject to change without notice. *Available on specific lots only, finishes and dĂŠcor dollar amount vary by model type. See Sales Representative for more details. E. & O. E. 04-13.

communityfocus

Inventory sales event in

Brampton & Markham Visit Primont’s Castlemore and Heirloom communities before May 31 to take advantage of incredible inventory savings! location Markham and Brampton housing type Markham, freehold towns and semis; Brampton, towns, semis and 40-, 50and 65-ft. singles Sales centre Markham, Fimco Crescent off of Donald Cousens Parkway, just south of Major Mackenzie Drive; Brampton, County Road 50, just north of Hwy. 7 contact Markham, 905.201.2804 Brampton, 905.856.5777 primonthomes.com 46 New home guide GTA | may 11 - 25, 2013

C

onstruction is well underway at Primont’s popular Castlemore and Heirloom communities, so there’s never been a better time to find the perfect family home with Primont. Like all Primont communities, Castlemore and Heirloom offer breathtaking collections of exquisite family homes at some of the finest locations in the GTA. And with both communities offering 2013 closings, you won’t have to wait long to move-in to your stunning new Primont home. Plus, for a limited time you can get up to $10,000 cash back when you purchase an inventory home in either of these fine communities.

Heirloom is an inviting family community of stylish freehold towns and semis at an exceptional Markham location, just minutes from Hwys.

404 and 407. Homes feature beautiful brick and stucco exteriors and a fine selection of interior features and finishes. And with schools, shopping, restaurants, a community centre, neighbourhood parks and GO Transit nearby, you’re not just moving in to a home – you’re moving in to a vibrant, established community setting. A new release of executive townhomes – priced from just $389,900 – is currently available at Heirloom. The

Primont homes

Castlemore & Heirloom

Heirloom sales team is also proud to announce that they’ll now be operating out of an all-new designer decorated model home on Fimco Crescent, located off of Donald Cousens Parkway, just south of Major Mackenzie Drive.

Call 905.201.2804 to learn more!

On the other side of the GTA, Primont has been receiving a lot of attention for its stunning family community in Brampton’s iconic Castlemore Village. At Castlemore, potential homebuyers are sure to be impressed by the fine selection of stunning towns, semis, and 40-, 50- and 65-ft. singles. This incredible northeast Brampton community offers inspiring vistas overlooking the West Humber ravine and the Claireville Conservation Area. This natural setting is ideal for nature lovers, who can step out their front doors and enter into a world of hiking, cycling and more. Residents of Castlemore can also delight in the incredible combination of natural beauty and urban convenience, with Bramalea City Centre and a fine array of shops, schools, plazas and parks all just minutes away. With homes starting from just $409,900, and inventory closings available, it’s never been a better time to make the move to this highly prestigious community. Visit Castlemore’s sales centre, located on County Road 50, just north of Hwy. 7, or call 905.856.5777 to learn more.

In addition to communities that are currently under construction, Primont also has several other communities that offer beautiful homes and exceptional value at great

GTA locations. Brampton’s Centretown community features an impressive array of breathtaking townhomes and picture perfect two-car garage singles in a positively stunning master-planned community atmosphere.

Located in the northwest part of Brampton, Mount Pleasant is a charming storybook community of unparalleled beauty. Bordering picturesque farmland, yet offering all the major conveniences of Brampton – such as shopping, schools, restaurants and more – Mount Pleasant is a neighbourhood that truly offers the best of all worlds. And with easy access to Brampton Transit, GO Transit and Hwy. 410, it’s easy to get anywhere you want to go when you live at Centretown in Mount Pleasant. Centretown’s townhomes and singles are priced from just $355,900.

Homebuyers are also falling in love with an exciting new release of only 38 stunning townhomes at Markham’s Harmony community. Located right across from South Unionville Square, Harmony is an exclusive family community of stylish executive townhomes. The breathtaking homes in this established neighbourhood offer homebuyers the rare opportunity to live in one of South Unionville’s most desirable areas.

These luxury executive townhomes are priced starting from $539,800.

For more information on any of these wonderful Primont communities, visit primonthomes.com may 11 - 25, 2013 | New home guide GTA 47

legallyspeaking

Not every lawyer is a real estate lawyer

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, email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

Who is making the referral? Is the referral coming from a real estate agent, a mortgage broker or a bank? This is not necessarily bad, but you have to be careful.

Quite often, lawyers develop relationships with various groups over the years and receive referrals because they do a great job. On the other hand, ensure that your lawyer is independent and will represent your interests even if it puts him/her into an adversarial position with one of those parties. This is quite important, so make Not all lawyers are created equal. If you needed a sure you get comfortable with this issue heart surgeon, you certainly would not go to see a podiatrist. By the same before you hire someone. token, lawyers generally have expertise in one area greater than another.

Now to bring this back to the original Do not believe that the ­granting of a law degree instantly bestows knowl- idea, what you need to understand is that edge of all laws on the head of a lawyer. there are general law practitioners just The first thing you need to do to find a lawyer is the same thing you like there are family doctors. What this ought to be doing to find a home – research! Where do you look? Start means is that a lawyer may have a widewith media and look in magazines (editor’s note – you already have your ranging practice composed of many areas. issue of New Home Guide, so you’re off to a good start!), newspapers, The smart lawyer who falls into this catlisten to radio, watch real estate television. Generally speaking, the egory knows that if there is a serious issue lawyers who appear in public, speaking or writing that arises outside about real estate, are thought to be experts in the of their expertise area. Go to seminars and listen to the speakers. they should bring ...so make sure you get Generally, if a lawyer is taking the time to parin a specialist, just comfortable with this issue like your family ticipate in a seminar, he/she knows what he/she before you hire someone. is talking about and is happy to take on new clients doctor would. The that come out of those seminars. bad lawyers try to Next, go online and check out the websites of do it all. The different real estate lawyers. Look to see whether they give good, infor- general practitioner can probably handle mative advice; whether they give you pricing; and whether they make your real estate deal just fine, but make you feel comfortable. sure he/she understands any complicated Call the Law Society of Upper Canada, Lawyer Referral Service, offers and that he/she reviews them carewhich can be found in the telephone book. This service keeps lists of fully, pointing out any problems. Ensure lawyers and refers requesting members of the public to lawyers who that he/she knows what can be negotipractice in the area requested. This just gets you someone in the area. ated and what cannot, or you may lose You really need to check them out when referred. your deal.

Speak to friends who have used a lawyer for the type of service you Remember, your lawyer is a very imrequire and ensure they did the job professionally, courteously and for portant part of the process, so take your the price quoted. time and find the right one.

by Jayson Schwarz

48 New home guide GTA | may 11 - 25, 2013

BUYING, SELLING OR REFINANCING A HOME?

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

Konstantine Chatzidimos

Jayson Schwarz

Helping YOU make your home buying dream a reality

Call

849

$ plus HST

For Free Offer Review

BRAMPTON

toronto

10 Wilkinson Rd. Unit 22., Brampton, Ontario L6T 5B1

1984 Yonge St.,Toronto, Ontario M4S 1Z7

office

office

905.455.5777 416.486.2040 Toll Free: 1.888.609.8888

Fax 905.452.8135

Toll Free: 1.888.609.8888

Fax 416.486.3325

www.schwarzlaw.ca

*Certain Terms and Conditions shall apply. Full disbursement disclosure. may 11 - 25, 2013 | New home guide GTA 49

taxingissues

Henry Choo Chong, CGA provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5220. Any questions to Taxing Issues should be e-mailed to choochonghcga@yahoo.ca

Capital expenditures & deductible expenses

by Henry Choo Chong

Q.

I recently purchased a rental investment property. Fortunately, the home was rented quickly. However, last summer because of several days of heavy rainfall, the roof leaked terribly and our ceilings were partially water damaged. I had to reshingle and replace almost half of the entire roof and repair the ceiling and floors. It also cost me more than $1,200 for a new fridge and stove. I have an individual who prepares my income taxes who has advised me that these are capital items and I could not deduct them for my income taxes. I find that ridiculous to be out of pocket that amount of money and I cannot deduct it.

Sam, Toronto

A.

Real estate rental deductions are always contentious, and Canada Revenue Agency frowns on expenditures that should be capitalized as opposed to being expensed immediately. As an accountant who deals with real estate investors on a regular basis, I can tell you your concern is not isolated. The Income Tax Act does provide guidance with regards to capital items and current expenses.

Capital expenditures – Generally, these are expenditures that will provide benefits and a useful life for several years – such as appliances, air conditioners and dishwashers. The Income Tax Act provides for Capital Cost Allowance (CCA) deduction for capital expenditures that can be expended over the useful life of the asset.

Deductible Expenses – Generally, these expenditures may be deducted in the year they are incurred. They would include all expenditures directly related to the property such as property taxes, 50 New home guide GTA | may 11 - 25, 2013

insurance, utilities, mortgage interest, advertising cost, legal cost, accounting fees, and repairs and maintenance.

It would appear your repairs were performed to maintain the property to its original condition and would therefore be considered a current expense.

However, the fridge and stove must be capitalized.

Investors should always have a good accountant who deals with real estate investments on a regular basis to ensure the right advice is given.

Q.

I recently started my own small business, which is registered as a non-incorporated business. It earned approximately $34,000, less expenses. Additionally, I am employed full-time, as is my wife. What is my final date and can I choose my own year-end for my company?

Yves, Oakville

A.

Congrats on joining the ranks of entrepreneurs. Many individuals talk about starting their own business but are reluctant to do so for various reasons. The primary obstacle is finances, followed by lack of knowledge about where to start.

Individuals who are strictly T4d – that is, employed full- or part-time – were to file their year’s personal tax return on or before April 30 of the following year. Selfemployed (including non-incorporated businesses) taxpayers and their spouse had to June 15 to file their tax return for the previous year. However, any income taxes owing would have to be remitted on or before April 30 of the filing year.

Therefore, you should have your tax returns prepared before the end of April to avoid any interest penalties.

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THIS IS WHERE YOU BELONG. Imagine a place surrounded by acres of pine forests, valleys, creeks and trails.

Now imagine unwinding on your private backyard loggia while taking in your panoramic views. This is the spectacular setting that the master builders of CountryWide Homes have selected for these THREE signature communities â&#x20AC;&#x201C; with an exclusive portfolio of French and Italian inspired stately manors and an exhaustive list of uncompromising standards, there could be no better place for the next stage of your life.

NOBLETON

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H E I G H T S

commons

51

Join TEAM MIKEY at the WALK OF LIFE On Sunday, May 26th 2013

1 km, 3 km/5 km Walk and 5 km Run

The Mikey Network will not only participate in this great event but also raise money for the Cardiac Health Foundation of Canada. The Mikey Network is committed to placing â&#x20AC;&#x153;MIKEYSâ&#x20AC;? (public access defibrillators) in as many high-risk locations as possible so people affected by sudden cardiac arrest might have a second chance at life. Through The Mikey Network, the beat goes on.

Evergreen Brick Works 550 Bayview Ave., Toronto On., M4W 3X8 Registration: 8:30 AM, Runners start at: 10:00 AM, Walkers start at: 10:15 AM, Post walk celebration starts at: 11:00 AM

52

REGISTER TODAY!

mikeynetwork.com

Urban Towns

COMING SOON TO RICHMOND HILL An exclusive enclave of

on Yonge St.

REGISTER NOW AT

heathwood.com

LUXURIOUS INVENTORY HOMES! ONLY 6 - TOWNHOMES AVAILABLE

ONLY 1 60’ LUXURY HOME AVAILABLE!

CONSTRUCTION HAS STARTED!

MOVE IN

The Sandpipper - 1,481 sq.ft. from $420,900 to $425,900

NOW!

The Robindale - 1,587 sq.ft. to 1,640 sq.ft. from $439,900 to $450,900

The Greenwich B 4,040 sq.ft. from $879,900

MILTON 905-876-3140

MILTON 905-876-3140

By appointment only

By appointment only

heathwood.com

ONLY 5 - TOWNHOMES AVAILABLE MOVE IN THIS SPRING! The Siena 1,968 sq.ft. from $429,900 The Milano - 2,196 sq.ft. to 2,259 sq.ft. from $464,900 to $474,900

407 & MAVIS 905-874-4741 Monday to Friday by appointment only.

Open House Saturday and Sunday 1pm to 4pm.

Prices and specifications are subject to change without notice. E. & O. E. ENERGY STAR® mark is administered by Natural Resources Canada. Traditions and Terracotta Village Phase 3 are Energy Star® communities. By appointment only.

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=W2W2013

H E I G H T S

F>7I; ) =H7D: EF;D?D=

SALES CENTRES

Steeles Ave. West

Kennedy Rd.

Mississauga Rd.

Bovaird Dr. West Queen St. West

Hurontario St. / HWY 10

50’&70’ LUXURY SINGLES 410

H E I G H T S

407 401

SALES OFFICE HOURS:

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

yourkingdom.ca

Located on Mississauga Rd. just North of Steeles Ave.

*See builder for details. Information is correct at press time. Specifications are subject to change without notice. All illustrations reflect artist impression. E. & O.E.

new Eldorado Public School, major highways and great amenities.

Phase 3 backs onto the Lionhead Golf Course, and is close to the

55

hotdates

may 11-12

Toronto Comics Arts Festival

toronto reference library

May 11 to 25

Calendar of events beginning from May 11 to 25, 2013

may 18-20

Pirates and Princesses at Black Creek Pioneer Village

international centre

Every kid loves fairy tales, and Black Two days of comic-related events, like Creek Pioneer Village is putting on a readings, presentations, workshops, whole three-day weekend of fairy-tale panel discussions and more. There fun, Pirates and Princesses. Children are also galleries and exhibition areas are encouraged to dress up in tiaras for comic authors and artists to or pirate gear as they come for a display their work. v i l l a ge -w ide t re a su re hu nt , torontocomics.com Cinderella’s morning tea, interactive entertainment, stories by Debra Hale may 15-16 and other fun activities.

Forest of Reading Festival of Trees

harbourfront CENTRE

blackcreek.ca

may 25-26

Harbourfront Centre hosts the largest Doors Open on children’s literary event in the country, Toronto's Waterfront featuring two days of book signings, waterfront awards presentations, workshops and Doors Open on Toronto’s Waterfront activities for readers of all ages. presented by The Waterfront BIA is Tickets include admission to ALOUD: part of the 14th Annual Doors Open A Celebration for Young Reader.

Toronto presented by Great Gulf readings.org Homes, produced by the City of Toronto. New this year, tour the Toronto Police Marine Unit, and the William Lyon Mackenzie Fire Boat at the Toronto Fire and Marine Station 334. waterfrontbia.com

56 New home guide GTA | may 11 - 25, 2013

May 11 - 25, 2013

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

IN THIS SECTION

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

58

K

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E

D

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B

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24

4

26

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Mississauga

6

7

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8

9

10

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12

13

14

16

17

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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.

15

19

Price Range

1

Vandyk Communities

Windows on the Green

vandykcommunities.com

4

Conservatory Group

Central Park North

905-890-0195

•

•

9

Regal Craft Homes

The Neighbourhoods of m

905-828-7888

•

14 Eden Oak

Estates of Credit Ridge

19 Dezen Homes

Page No.

• from $270,000

5H

from $465,000

7F

• •

from $305,000

4f

www.edenoak.com •

from $450,000

McLaughlin

905-696-7938

•

from $544,000

8B

20 Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $500,000

8B

23 Dunpar Homes

Park View Trail

416-253-5888

•

from $449,000

11F

27 Dezen Homes

Ravines on Fletcher’s Creek

905-814-7846

•

from $695,000

8B

45 ELM Developments

Baker’s Lane

905-771-8880

• •

from $480,000

13H

8I

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Landscapes

905-893-3331

9

Mattamy Homes

Mount Pleasant Village

Price Range

Page No.

• •

from $399,000

15 8M

mattamyhomes.com •

•

from $200,000

8 6P

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $330,000

BC 10N

21 Primont Homes

Centretown

905-495-5067

•

• •

from $356,000

12 9M

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

•

from $430,000

53 9Q

45 Brookfield Homes

Pathways

905-584-2225

•

from $395,000

17 8K

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

•

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

•

from $390,000

55 7Q

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $390,000

55 7Q

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $389,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $397,000

67 6P

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $390,000

5 9M

55 7Q

2

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

6L

2

Monarch Corporation

The Village of Southfields

thevillageofsouthfields.ca •

• •

from $390,000

6L

3

Empire Communities

Lakeside

empirelakeside.com •

•

from $350,000

7N

4

VanMar Homes

Credit Ridge Estates

416-746-1234

•

from $550,000

8P

6

National Homes

Gates of Countryside

416-746-1234

•

•

from $290,000

9M

6

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

9M

6

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

9M

6

Greenpark Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

9M

6

Starlane Home Corporation Gates of Countryside

starlanehomes.com •

from $520,000

9M

•

8

Great Gulf Homes

Castlemore Crossing

905-793-5607

•

from $616,000

10J

9

Mattamy Homes

Mount Pleasant North

mattamyhomes.com •

•

from $250,000

6P

10 Stanford Homes

Fletcher’s Meadow

905-456-9398

•

from $292,000

6o

11 Berkshire Homes

Credit Springs

519-938-8449

•

from $434,000

3D

13 Conservatory Group

Walnut Grove in Spring Valley

905-455-2725

•

•

from $250,000

6P

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

18 Saberwood Homes

Heart Lake Village

30 Gold Park Homes 32 Forest Hill Homes

•

• • • from $190,000

905-773-6549

• from $300,000

8N

Castlemore Crossing

905-794-0366

•

from $285,000

10K

Ravines of Castlemore

905-794-8875

•

from $520,000

8K

33 Monarch Corporation

Strawberry Fields

905-843-0707

•

•

from $390,000

6M

33 Coscorp Inc.

Strawberry Fields

905-843-8989

•

from $310,000

6M

36 Greenpark Homes

Castlemore

greenparkhomes.com •

from $355,000

11L

905-584-6444

8L

37 Oxford Homes

Adena Ridge

from $600,000

5H

38 Andrin Homes

Turnberry Townhomes AndrinTowns.com

•

from $320,000

9M

•

44 Falconcrest Homes

Timberbank Manors

905-230-4663

50 Mosaik Homes

The Estates of Spring Valley

905-216-4806

•

•

acornhomes.ca

from $310,000

6P

7P

51 Acorn Homes

Castlegate

•

from $498,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

6P

55 Townwood Homes

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

6P

57 Rosehaven Homes

Riverstone’s Rivers Edge

416-410-0175

•

from $710,000

10K

58 Devonleigh Homes Inc.

Meadowlands

519-942-3312

•

•

from $250,000

3C

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

•

from $400,000

8P

from $579,000

10k

67 Starlane Home Corporation Rivers Edge

starlanehomes.com •

Brampton, Caledon, Bolton

Builder

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Price Range

Page No.

Perth Park

905-628-9559

•

71 1Q

13 Heathwood Homes

The Village at Traditions

905-876-3140

•

•

from $421,000

53 8h

13 Heathwood Homes

Traditions Heathwood

905-876-3140

•

•

from $880,000

53 8h

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

•

from $220,000

9 9G

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

•

from $420,000

6-7 9C

2

Great Gulf Homes

Edgewood

905-356-9408

•

from $289,000 12Q

3

Double Oak Homes

Silver Creek Hollow

905-702-8388

•

from $600,000 9d

4

Conservatory Group

Milton Heritage Homes

905-875-1953

•

from $275,000 9g

5

Arista Homes

Milton Trails

905-864-3306

9h

9

Branthaven Homes

Origins

branthaven.com

•

from $300,000 10M

11 Tobyn Park Homes

Village of Walkers Green

905-319-8455

•

from $270,000 11l

12 Tobyn Park Homes

Park City

parkliving.ca

13 Lakeview Homes

Morrison Village

1-800-565-5150

•

15 Rosehaven Homes

Waterdown Meadows

waterdownmeadows.com •

•

• from $180,000 11l

• • 11R

• 8m

18 Parkbridge Lifestyle Communities Inc. Antrim Glen

1-800-856-4318

•

from $250,000 1O

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $250,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $290,000 6B

27 North Star Homes

Valleygreen

northstarhomesinc.com •

from $310,000 9H

28 Intracorp

Foothills

905-864-8997

•

from $490,000 8H

34 Phelps Homes

Lakeside Estates

phelpshomes.com •

from $696,000 5Q

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

38 Phelps Homes

Magnolia

phelpshomes.com •

from $400,000 7R

• • 8m

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Schuit Homes

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Mattamy Homes

The Preserve

3

Dawn Victoria Homes

8

•

from $320,000

mattamyhomes.com •

•

from $360,000

North Morrison House

905-822-5000

Fernbrook Homes

Bronte Creek

905-847-6377

•

from $550,000

3G

8

Legend Creek Homes

Bronte Creek

905-827-6441

•

from $410,000

3F

8

Monarch Corporation

Bronte Creek

416-495-3563

•

from $670,000

3G

9

National Homes

Glen Abbey at Westmount

416-746-1234

•

$0,000

4G

9

Century Grove Homes

Upper Glen Abbey Estates

905-465-1379

•

•

from $470,000

3G

14

Tribute Communities

The Courtyard Condominium Residences 905-257-6200

• from $260,000

5D

16

Rosehaven Homes

Woodland Trails

1

Page No.

liveinoakville.ca

• from $540,000

• •

from $420,000

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4E

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4D

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Millstone On The Park

Price Range

west region:

Menkes

Tel

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

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builderperspectives

Furniture plans help with smooth moves

Jo-Ann Capelaci

I recently met with Jo-Ann Capelaci (joanncapelaci.com),

who I knew years ago as a partner in Colours & Concepts, a company she started with Susan Harvey. At the time there were very few who specialized in managing the décor process on behalf of new-home builders. Geranium Homes was one of the company’s first clients and is still working with them today. Capelaci’s team of professionals assist new-home buyers with the important process of selecting their entire interior finishes for their home.

Today, Capelaci divides her time between her clients in Toronto and her business in the Los Angeles area where for 10 years she has been designing multi-million-dollar homes. In addition, the merchandising services (similar to home staging) offered through her company Designsflo have helped clients with the sale of their residences. Sharing her knowledge and experience with people is a happy by-product of an interesting career and Capelaci has created a series of topical workshops Geranium will be presenting this fall.

For her custom home clients, Capelaci designs a furniture plan early in the process, which also then becomes a foundation for the lighting plan. If a client has purchased their home before calling Capelaci, she suggests they start immediately. To get the ball rolling, she begins with a thorough customer interview. She first needs to understand how her clients will actually use each room. This is an important step and takes into consideration all sorts of factors, from the age of the occupants to the amount of sunlight a room receives. “The most common mistake people make is buying or keeping furniture that is too large for their new home.

66 New home guide GTA | may 11 - 25, 2013

We also see a tendency to over crowd rooms. Today’s trend is towards less cluttered spaces; rooms feel more spacious and we feel better in a home with less stuff,” says Capelaci.

A plan starts with each room’s focal point; ensures space is allocated for navigating around and through areas; establishes scale and proportion for furnishings and creates rooms that are open and inviting to residents and guests. If a particular room is to serve multiple functions for the family, then Capelaci often suggests using built-in furniture with lots of storage to alleviate clutter.

Capelaci sees a further benefit to having a furniture plan when you shop for new items. “Knowing what will fit in your next home, may result in a much easier and more pleasant moving experience,” she adds.

As a certified interior designer, Capelaci keeps abreast of new and popular materials.

“For instance, flooring is one of the most visible finishes a buyer will choose and two of my current favourites are wood for its beauty and versatility and large format porcelain tile, there are excellent options that look like actual stone,” she explains.

Just for fun, Capelaci suggests adding a touch of sparkle to a home’s interior. “This is particularly effective in an area that is quite masculine in appearance.”

This is part of a series of articles on topics of interest to new-home buyers, authored

by Sue Webb Smith, marketing director for Geranium Homes

BRAMPTON

GREAT DESIGN EQUALS GREAT VALUE BOVAIRD AND CREDITVIEW 34 & 40 ft. Detached 1,755 - 3,600 sq. ft. from

$489990

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

Before you buy, see the Great Gulf difference: • Secondary bedrooms with ensuites

• Side door entrance

• His/Hers master walk-in closets

• Additional staircase to basement

• Rough-in 3 piece basement plumbing

• Nine foot ceilings

• All brick exteriors

• Hardwood flooring

• Full depth lots

• Oak stairs

• Neighbourhood park

• Second floor lofts

• Walk to GO Station

Bovaird Dr.

Mississauga Rd.

• Gas fireplace

James Potter Rd.

Williams Pkwy.

Chinguacousy Rd.

$396990

Ashby Field Rd.

Semi-detached 1.650 - 2,515 sq. ft. from

Queen St. Hwy. 407

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

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

communityfocus

Mattamy connects families to the spice of life in

Mount Pleasant North

M location Brampton housing type Townhomes, urban townhomes, village homes, detached homes and live-work units sales office 6 Worthington Ave., open Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m.; and Saturday and Sunday 11 a.m. to 6 p.m. contact 905.846.3172 mattamyhomes.com

68 New home guide GTA | may 11 - 25, 2013

attamy Homes has a long history of offering homes with a variety of architectural styles and interior floorplans. The company has also invested heavily and thoughtfully in making the streetscapes interesting and varied and providing community features that help develop a true sense of “community.” A perfect example of how all this looks and works can be found in Mount Pleasant North in Brampton. One look and you’ll see that variety truly is the spice of life.

Right now, Mattamy has townhomes and detached homes that will appeal to first-time buyers looking for affordability in an established neighbourhood, as well as small families and large families seeking well-planned space and plenty of it.

Mattamy has planned this community well with a very diverse selection of architecture including smartly-styled urban townhomes, village homes, which have become Mattamy’s most popular home style in Brampton, three-storey townhomes offering lots of space, 30-, 36and 38-ft. detached homes with that unique Mattamy identity and live-work units available right now where you can own a business downstairs and live upstairs.

Mount Pleasant North and the adjacent community of Mount Pleasant Village connect you to a wonderful Village Square with local

MATTAMY HOMES

Mount Pleasant North

shops, a recreation centre, a library and GO Transit connections. The idea is that within five minutes of your front door, you’ll find everything you need.

These neighbourhoods offer fresh thinking on how modern communities are organized. Quite simply, you won’t find a more forward-thinking approach to neighbourhood planning and community features that offer great benefits to all who live there.

One of the most striking features of Mount Pleasant North is the integration of natural elements into the neighbourhoods so residents have places to just sit and enjoy the scenery and feel the peace and calm that enriches the soul. There are wonderful park spaces and natural elements. A massive greenbelt runs through the community, forming a natural corridor connecting all neighbourhoods. There are walking/biking trails, parks, recreation areas and naturalized areas. More than 124,000 trees and shrubs add to the naturalization and provide sanctuary for songbirds and wildlife. There are about 30 kilometres of

walking/biking trails.

A lot of attention has been paid to environmental practices. As Mount Pleasant North grows, it will do so with a well-defined notion of how to ensure that residents will always have ample green space and natural elements to make this a beautiful, enjoyable place to live.

And Brampton itself is a perfect example of how to grow dynamically and vibrantly as a city with distinctive neighbourhood pockets. It offers a strong industrial base, a well-rounded and admired education system, wonderful recreational and environmental features and abundant shopping, cultural facilities, nightlife and fine dining. You will always find something to do and enjoy throughout the year. Brampton is the third largest city in the GTA and offers its residents everything that makes life enjoyable. It truly is a place where families come first.

Townhomes are available from $249,990, detached homes from $354,990 and the innovative live-work units start at $569,990.

As spring gently eases into place, it’s a perfect time to go for a nice long stroll through Mount Pleasant and see exactly why so many families have made this Brampton’s most popular community. You’ll find unique streets and neighbourhood features that make it very easy to enjoy life without having to drive somewhere else to find them. Quite simply, Mount Pleasant North and Mount Pleasant Village provide all the right connections to bring complete enjoyment to all those who live there.

The Mattamy sales centre is located at 6 Worthington Ave., Brampton, 905.846.3172. Hours are Monday to Thursday 1 to 8 p.m.; Friday 1 to 6 p.m.; and Saturday and Sunday 11 a.m. to 6 p.m.

For more information, visit mattamyhomes.com may 11 - 25, 2013 | New home guide GTA 69

inthenews

Skyline completes acquisition at Blue Mountain $20-million acquisition includes retail assets and remaining developable land Skyline International Development

Inc., one of Canada’s leading owners, operators and developers of resorts and destination communities, has closed on a $20-million investment and acquisition in Blue Mountain, Ont. Skyline has purchased both retail and undeveloped residential land interests in and adjacent to the renowned Blue Mountain Village at the base of Blue Mountain Resort which offers ski, golf and lodging.

Under the retail portion of the agreement, Skyline has acquired 50 per cent of existing commercial retail space within the Blue Mountain Village from current owner Intrawest ULC. In addition, Skyline will manage the remaining 50 per cent of the Village’s retail space. Skyline “We are very excited to be part owners of one of North Amerhas also acquired the land to build an addition- ica’s premier destinations. The Blue Mountain Village acquisition al 20,000 sq. ft. of retail space to expand the is an important milestone for Skyline’s growth. As of today, we Village retail. Skyline’s retail interest under can offer visitors and home buyers a unique set of four-season agreement at Blue Mountain is currently gen- activity-focused destination communities, extending from downerating $1.5 million of net operating income. town Toronto and reaching across southern Ontario,” says Gil In the residential portion of the acquisition, Blutrich, Skyline chairman. “We look forward to bringing the Skyline has acquired 136 acres of remaining knowledge and expertise of our team to the table to make Blue developable land in and adjacent to the Village, Mountain this country’s top vacation destination, while offering with plans to double the Village’s current resi- more home buyers the chance to live in the heart of this thriving dential footprint. Skyline intends to develop resort community and be connected to the rest of our portfolio.”

1,200 residential units, townhouses and singleFounded in 1998 by visionary entrepreneur Gil Blutrich, family homes along the golf course and in the Skyline has expanded rapidly, growing its asset base from $20 Village centre in the years ahead. million (in 2000) to close to $300 million today with the acquisition of premier resort properties in southern Ontario. The Founded in 1998 by visionary company recently introduced its innovative SkyLife Club, Ontario’s first year-round city and country club offering familyentrepreneur Gil Blutrich, Skyline oriented recreational, leisure and social activities and benefits has expanded rapidly, growing through the premier portfolio of Skyline Hotels & Resorts.

“Blue Mountain Village and real estate development is an ideal its asset base from $20 million fit for our organization given Skyline’s experience as an owner (in 2000) to close to $300 million and manager of other well-known Ontario resort properties such today with the acquisition of as Deerhurst and Horseshoe Resorts,” says Skyline CEO Michael premier resort properties in Sneyd. “This acquisition not only makes financial sense and aligns with our long-term growth strategy, but strengthens our southern Ontario. market position and creates opportunities for Skyline’s continued Canada-wide expansion.”

70 New home guide GTA | may 11 - 25, 2013

Best Single Family Home 2500 sq ft & over Best Bathroom in a Home 2500 sq ft & over Best Kitchen in a Home 2500 sq ft & over

For a private viewing call 403

905.628.9559 306 Woodworth Dr, Ancaster

schuithomes.com

Award Winning Designer & Builder may 11 - 25, 2013 | New home guide GTA 71

communityfocus

Private residences of Perth Park

Offer award-winning design

T

here are only nine opportunities to enjoy award-winning design

by Schuit Homes at Perth Park in Ancaster, an exquisite collection of private residences that reach out to a parkland setting.

Within this community, only moments from Hwy. 403, stands a model residence showcasing its one-of-a-kind design and setting. It now bears the additional distinction of being a multi-award-winner, having just been named by the HHHBA as Best Single Family Home, Best Bathroom and Best Kitchen in a home of 2,500 sq. ft. or more.

These recent HHHBA awards can be added to Schuit Homes’ collection of more than 25 major industry awards presented to a company possessing a unique flare and ability to craft custom homes of distinction and quality. In his 24-year history of building in Brantford, Burlington, Dundas and Ancaster, builder Jerry Schuit continues to raise the bar for custom luxury homes that deliver outstanding innovation and quality.

“I want my clients to be excited by purchasing a Schuit home. My homes are intended to touch the senses visually and emotionally.”

Once you enter Perth Park, you’ll note a difference in the air that

72 New home guide GTA | may 11 - 25, 2013

I want my clients to be excited by purchasing a Schuit home. My homes are intended to touch the senses visually and emotionally. continues as you advance along your private, coachlight-lit roadway of paving stones to your front entrance. This is a community of elegance and warmth where homes will stand on lots of 57 to 75 ft. in width. Along with custom finishes, homes can embrace main floor master suites,

SCHUIT HOMES

Perth Park

location Ancaster housing type Custom homes on 57- to 64-ft. lots contact 905.628.9559 schuithomes.com

guest suites, stone exteriors, lofts, and every amenity you can imagine.

Each of these nine properties will face architecturally designed parkland with four lots backing onto a ravine and the Hamilton Golf & Country Club, a tranquil setting without the intrusive sounds of the city. Families of all ages can have a design layout that offers personal convenience and comfort with plenty of private space. Livable, versatile, indulgent living will satisfy. Transitional design will make your new home timeless, yet modern, the signature of Schuit Homes.

Today, luxury is all about comfort and convenience and this model home exudes both within 3,750 sq. ft. of gracious living. Like this awardwinning home, every Schuit home is an award-winner for homeowners, designed to accommodate every need. Work with Schuit designers to choose your custom finishes of granite, marble or porcelain from a list of many others. As you focus on each room in your home, you’ll be guided every step of the way to blend surfaces and textures to fashion the home of your dreams for you and your family – mouldings, ceiling treatments, lighting, flooring – all become equal parts of the living masterpiece

that will become your home.

Jerry Schuit, company president, and Marco Martorano, project manager, conspire together to design homes of elegance with supreme craftsmanship.

“We choose our locations to increase, not only the value of the home but the level of pleasure of the homeowners day-to-day living,” says Schuit.

Schuit Homes is accepting reservations from those interested in these private residences. Once registered, a Schuit representative will contact you to begin the process of creating your new home within the exquisite community of Perth Park.

may 11 - 25, 2013 | New home guide GTA 73

ONTARIO’S

PREMIER

GUIDE

TO

ADULT

LIFESTYLE

COMMUNITIES

COMMUNITIES FREE SPRING 2013

Design · Decor · Lifestyle · Travel

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

INSIDE THIS ISSUE

THE NEXT GENERATION OF APPLIANCES

LIVING LARGE IN A SMALLER SPACE

FOCUS FEATURES ON TOP LIFESTYLE COMMUNITIES

LC_Cvr_Spring 2013_FIN.indd 1

Available throughout the Greater Toronto Area and Southwestern Ontario.

4/12/13 11:20:47 AM

SPRING 2013 edition available now!

newhomeguide.ca For your free copy please call 416.626.4889 74 New home guide GTA | may 11 - 25, 2013

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

May 11 - 25, 2013

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

Ki

e Av

n sto ng

lva Sy

s ng Ki e v nA

to

n

RD

17

78

32

Sheppard Ave E

2A

401 53 26

58

t Rd

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

90

n Dr orto

RD

Brim

Galloway Rd

K

Ossington Ave. Dovercourt Rd.

DVP

Main St

Gerard St

18

41

in

Manse Rd

J

rlet

8

50

23

83

42

St Clair Ave E

25

ev

18

Passmore Ave

17

Centennial

Lakeshore Blvd W

Christie St.

Horner Ave

Spadina

Dundas St. W.

Bathurst St. Bay St. University Ave.

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

Logan Ave.

Danforth Ave.

Cosburn Ave

55

cL

M

16

East Ave

I

Keele St.

QEW 4

57

Yonge St

86

Evans Ave

28

Yonge St.

12

Don Valley Pkwy

QEW

Jane St

27

Avenue Rd Bloor St.

Laird Dr

Queensway

Dupont St.

O'Connor Dr.

43

Woodbine Ave

H

Dufferin St

Davenport Rd.

Rd

Pharmacy Rd Victoria Park

20

Sca

an

Warden Ave

Dundas St W

Allen Expressway

gh

Birchmount Rd Eglinton Ave E

Lawrence Ave E

88

15

Sheppard Ave E Milner Ave

Progress Ave

McCowan Rd

St Clair Ave.

Dufferin St

Va u

Ave E

401

Brimley Rd

80 Rogers Rd

Leslie St Eglinton

38

Ellesmere Rd

Huntingwood Dr

Finch Ave E

5

14

Bellamy Rd

Bloor St W

ay

w

ng s

Bathurst St

Eglinton Ave W

11

13 Steeles Ave.

McNicoll Ave

12

Markham Rd

Rathburn Rd

Ki

Caledonia Rd

Briar Hill Ave

Rd

Rd

y

11

y Pkwy

Eglinton Ave W

d kR

ew e

Keele St

to n

ee

427

Kipling Ave

Cr

Th e

B

k lac

Tre th

Ave Lawrence Ave E

York Mills

401

Sheppard Ave E

10

Don Valle

W es

54

1

40

9

Scarborough Golf Rd

G

Martin Grove Rd

Kennedy Rd

Westway

33

87

Finch Ave W

Drewry Rd

Pleasant Ave

8

Orton Park Rd

F

Islington Ave

Dixon Rd

pressway

401

89

Allen Ex

24

Jane St

Wilson Ave

39

7

Bayview

31

400

21

6

Mills

401

Weston Rd

34

5

Don

409

Bv

Signet Dr

27

ale

xd

6

4

Midland Ave

E

Humberline Dr

Re

Rd

3

Dufferin St

Finch Ave W

ion

Alb

2

McCowan Rd

D

1

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

Alness St

C

B

A

central region:

Tapscott Rd

7

Morningside Ave

42

Neilson Rd Morrish Rd

Rd

Sewells Rd Conlins Rd

h

Reesor Rd

rt

Beare Rd

fo

Meadowvale Rd

Da n

76 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Park Lawn

Royal York Rd

Renforth Dr

19

Price Range

Page No.

41

Monarch Corporation

Evergreen

416-495-3526

•

from $470,000

IBC 14F

86

Menkes

Humber Mews

416-642-8955

•

6-7 3I

86

Menkes

Dwell city town

416-642-8955

•

6-7 3I

87

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

88

Monarch Corporation

Birkdale

monarchgroup.net

•

from $420,000

IBC 13D

3

Camrost Felcorp

iLoft at Mystic Pointe

416-251-8888

6

Oz Properties

Garden Towns

416-898-5100

•

3B

11

Tribute Communities

Canterbury

647-352-2130

•

from $700,000

9E

12

Pemberton Group

The Uptown Residences

416-987-3500

• from $400,000

9G

18

Regal Crest Homes

Centennial Gardens

416-686-0556

• • from $323,000

13G

20

Beaverbrook Homes

Evolution

416-747-9691

3H

21

Conservatory Group

Oakdale Village

416-243-0511

•

•

from $323,000

5C

23

Conservatory Group

Upper Beach

416-698-7796

•

• •

from $400,000

12H

24

Forest Green Homes

Lexington On The Green

416-235-0220

•

from $208,000

4D

26

Conservatory Group

Port Union

416-287-3128

•

•

from $520,000

18E

27

Cresford Development Corp.

Windermere by the Lake

416-977-5300

• • from $200,000

5H

28

Pemberton Group

Park Lake Residences

416-769-4343

• from $180,000

5H

34

H&R Developments

Westown

hr-newhomes.com

• from $190,000

5C

39

Beaverbrook Homes

Yorktowns

647-259-0733

•

from $460,000

5C

42

Stafford Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

42

Brookfield Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

43

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

•

from $190,000

10F

49

Tribute Communities

RCMI

416-363-4800

50

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

54

Tribute Communities

1717 Avenue Road

416-430-1717

55

Stafford Homes

Keystone Mews

416-757-6684

• •

from $475,000

11F

70

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $390,000

7G

75

H&R Developments

Berczy Square

hr-newhomes.com •

77

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000 9H

78

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

80

Brandy Lane Homes

Village Mews

416-651-6555

•

from $470,000

6F

83

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

89

Decade Homes

Yorkdale Village

416-638-5656

•

from $350,000

6D

90

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

• from $273,000

• from $270,000

• from $550,000

•

4H

8I

9H 8C

5I

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

Tel

central region:

Site

Fi M ap nd er

Builder

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

# Si te

77

Steeles Ave W

Kipling Av

K

ence

J

7

Clar St

42

Isl on 48

t ing

I

Huntington

Langstaff Rd

46

2

21

6

40

18

Major Mackenzie

Cr

H

Teston Rd

24

54

400

11

39

8

27

Weston Rd

G

7

King-Vaughan Rd

6

400

9 King Rd

10

Rutherford Rd

26

Maple

7

55

52

51

49

25

3

5

20

10

22

Centre St

15

19

14

Clark Ave W

35

Thornhill

34

38

14

8

4

40

47

12 43

33 28

13

41

7

23 16

31 44 7

45

53

12

Langstaff Rd

32

37

11

Dufferin St

F

Kirby Rd

5

Pine Valley

City of Vaughan

1

4

Jane St

E

3

Nashville Rd

2

Keele St

D

1

Cold Creek

C

B

A

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

78

Bathurst St

e Av

e

Rd

50

12 Line R

d

16

17

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

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

15

19

Tel

Price Range

Page No.

1

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $780,000

1 4E

24

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $770,000

Insert, 25, 44 & 45 9F

24

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

44-45 9F

44

Madison Homes

Thornhill

905-417-1203

•

from $1090,000

11 14g

51

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

1 12A

53

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $986,000

37 13g

54

Fieldgate Homes

Rivers Edge

905-303-4728

• •

from $730,000

Insert & 25 8E

1

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

from $750,000

4E

11

Summit View Homes

The Summit of Valleybrooke

905-417-7980

•

•

from $300,000

8E

35

Hallstone Homes

Clairtrell Mews

905-886-5757

•

from $670,000

15K

37

Flato Developments Inc.

Montebello

905-731-2000

•

from $390,000

11D

38

Liberty Development

Centre Park Townes

905-731-8302

from $399,000

13I

39

Tiffany Park Homes

Valleybrook Estates

905-303-1620

from $320,000

8e

42

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

43

Primont Homes

Rothbury Ravine Estates

905-305-8871

•

from $675,000

13f

44

Forest Hill Homes

Thornhill Ravines

madisonhomes.ca •

from $690,000

14g

46

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

8E

47

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

48

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1250,000

6H

48

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

6H

51

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

12A

52

Zancor Homes

Royal Collection

905-833-0883

•

•

from $550,000

12A

55

Oskar Group

Le Sedici

lesedici.com

from $600,000

10E

•

5I

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

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

# Si te

79

1

2

3

4

5

6

7

8

6

G

404

4 17 22 Rd King 24

F

20 3

9

oad

ider

S rson Jeffe

15 16 14

H

19th

d

1

Gam

22

13 23

St

St

St

11

nzie

ath

Str

acKe

rM Majo

ea

N

e Av 404

Dr

st St

P

25 2

Q R

.

Ave

am Denh

O

16th

rn

dW

ick R

dr Wel Bathur

central region: Richmond Hill

7

r

ent

Mill

80

Neal D

St

26

Reg

d

ills R

nM Elgi

8 19 18

K

404

Leslie

d Yorklan

21

J

M

Ave.

ble R

I

L

12

St Yonge

E

5

27

11

t

D

m

Bloo

road

Side

Ave

C

on ingt

Bayview

B

10

Leslie S

A

9

* Due to scale restrictions locators are approximate. Please see 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

Page No.

4

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

1 6D

6

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

Insert 2C

•

•

from $600,000

30-31 4H

14 Arista Homes

Jefferson Forest

15 Madison Homes

Jefferson Forest

905-770-8661

•

•

from $600,000

30-31 4H

15 Forest Hill Homes

Jefferson Forest

iloveforest.ca

•

•

from $600,000

30-31 4H

16 Fieldgate Homes

Jefferson Forest

905-884-8017

•

•

from $600,000

30-31 4H

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

27 Acorn Homes

Oak Knoll

acornhomes.ca

•

2

The Royal at Bayview Glen

905-709-5700

• from $190,000

17 Heathwood Homes

The Reserve at the Woodlands

416-637-3520

•

•

from $748,000

2D

18 Heathwood Homes

Silverwood Lane

heathwoodrichmondhill.com •

•

4K

19 Heathwood Homes

Forestbrook

heathwoodrichmondhill.com •

from $583,000

4K

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

2E

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

5I

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

4L

Pemberton Group

from $600,000

37 7Q

89 4C

6Q

Richmond Hill

Tel

central region:

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

81

les A

e Ave

Hend

Thornhill ve E

grove

Stee

in Woodb

56

Alder

K

John St

62

45

Dr

d eroa

66

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

St

404

8 Hwy. 4

St

nald

Denison

McDo

ve 14 A

Van

d St Sid dorf

Edwar

59

11 Con

26

Hwy 7

w Ave.

Hwy 7

75

Dr lock 61 Bul y7 Hw

23

Bayvie

J

Ave

24

E

Town of Aurora

t

404

dy Rd

64

28

404

n St 21 ngto 22 Welli

9

.

e Rd

's Sid

hn St Jo

47

47 13

64

Gor

t

S ham

St

404

14

Leslie S

I

Kenne

ve 16 A n Rd r a C lto

n Rd

18

hts

Heig

Dr

54

D

r

D avis

Elgin

13

le ffvil Stou

Rd

r Side

oad

17 20

Milla

34

19

85

rd St

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

ve 19 A

ider da S

3

Rd ton ming Bloo

oa d

18

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

404

oad

es Beth

r Side

hn's St Jo

17

n Rd Vivia

Rd lbert 54 Mt A

16

orf d Van

a Rd or Aur

of Town chhur c e it Wh f ville Stouf

15

an Rd

McCow

H

n Warde

30

ock Mul

Town of Newmarket

80

ard Orch

4

51

Ea

t gle S

Spruce

G

nR

404 y 31 Pkw 81 het Cac

a McCow

65

Ra

25

tS

Main S le Dr ymervil

2 zie n 53 52 8 42 60 12

9 Line

acke

G

12

e Ave

or M Maj

cessio

Town of 50 Markham

46

11

.

ane

L reen

10

44 1 55 7 14

9

in Woodb

d

ills R

nM

10 Con

67 6 35 57 41 11 70

8

y Rd

Kenned

Elgi

7

Bayview Av e

10

e

6

McCow

ve 18 A

v 19 A

5

an Rd

F

4

Ave Warden

E

Thornhill

3

Town of Markham

Town of WhitechurchStouffville

2

t Yonge S

D

Town of Aurora

Town of Newmarket

1

St N

C

B

A

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

48

Rd

Main

n Rd

en

82 cessio

Al d

9 Con

cessio nR

Dr

erson

Ave

t

S Yonge

Heirloom in Markham

Tel

Price Range

905-201-2804

• •

from $390,000

Page No.

13 7f

11 Madison Homes

Greensborough

905-201-7700

•

•

from $594,000

11 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

from $440,000

Insert & 25 18f

30 Madison Homes

Cornell Rouge

905-472-9556

•

•

from $520,000

11 & 21 8F

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

•

from $450,000

21 & 95 8f

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

•

from $495,000

1 7F

52 Fieldgate Homes

Potter’s Bend

fieldgatehomes.com •

•

from $560,000

Insert & 25 6G

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

34-35 16B

59 Primont Homes

Harmony

905-305-8871

•

from $540,000

13 5I

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

•

from $420,000

28-29 5G

64 Arista Homes

Upper Unionville

905-534-1564

•

•

from $420,000

28-29 5G

64 Paradise Homes

Upper Unionville

905-477-6464

•

•

from $420,000

28-29 5G

65 Fieldgate Homes

Victoria Manor

fieldgatehomes.com •

from $779,000

Insert & 25 3G

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

1

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

2

Country Wide Homes

Pavo Point

905-554-5975

•

from $400,000

5F

8

Country Wide Homes

Wismer Commons

905-907-1500

•

•

from $450,000

6F

10 Monarch Corporation

Nichols Manor at Heritage

416-495-3542

•

from $550,000

2F

12 Laurier Homes

windsong

905-201-5979

•

•

from $495,000

6G

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

6G

14 Ballygarven Homes

Upper Canada Meadows

905-395-1294

•

from $330,000

11C

17 Conservatory Group

Heritage Estates

905-640-2274

•

•

from $283,000

18E

18 Kylemore Communities

Angus Glen West Village

905-887-9950

•

from $2000,000

4G

starlanehomes.com •

from $518,000

18F

20 Starlane Home Corporation BlueSky Stouffville

24 Ballantry Homes

Cornell

905-294-0221

•

•

from $450,000

8g

26 Arista Homes

Boxgrove

905-201-1102

•

• •

from $432,000

8H

28 Preston Homes

Copper Hills

905-954-4050

•

28 Greenpark Homes

Copper Hills South

from $500,000

14d

CopperHillsSouth.ca •

•

from $585,000

14d

28 Starlane Home Corporation Copper Hills South

CopperHIllsSouth.ca •

•

from $620,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

8F

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

6G

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

•

from $575,000

7F

50 Geranium Homes

Cardinal Point Downtown Stouffville 905-640-9999

•

•

from $575,000

7F

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

9C

53 H&R Developments

Castle Square

hr-newhomes.com

•

6g

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

60 Best Homes

Wismer Gardens

905-479-9600

•

from $410,000

6G

62 North Star Homes

Pacific Villas

416-332-8115

•

from $337,000

6G

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

•

from $500,000

6G

63 Fieldgate Homes

Bond Lake Village

905-313-1021

•

from $399,000

12J

66 Treasure Hill Homes

Aurora Woods on Bayview

treasurehill.com •

from $749,000

13H

67 Portside Developments

Greensborough

416-746-1234

•

from $329,000

7F

80 New Era Homes

Landmark Estates

905-953-9046

•

from $380,000

10D

85 Orchard Ridge Homes

Prairiewood

orchardridgehomes.com •

from $800,000

16F

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

Primont Homes

Site

M Fi ap nd er

Builder

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

# Si te 6

83

K

9

59

Mono Adjala

32

25

14

Schomberg

51

15

King

Bradford Tecumseth and Tottenham65 71 9

11 20

48

Georgina Keswick

e

co

im

eS

k La

11

East Gwillimbury

37 13 55

Barrie 33

50 45 34 70 400 16 17

44

27

400

Alliston61

47

Essa

Beeton

12

0

10

Hwy 5

Shelburne

89

40

00

Vespra4

90 48 Lisle 44 2 Angus

Sunnidale

Tosorontio Everett

1

Wasaga Beach

Oro

6

Orillia

11

11

12

29

48

31

Lindsay

Uxbridge

Cannington

7 3

9

26

Scugog

Oshawa

Dr

14

S

401

42

15

27

E

49

400

22

Dr

Ma

iew plev

18

30 Dr

18

19

Attention Builders Want to add your community to our maps?

Need to update existing information?

Please fax the details to (416) 789-9554

* Due to scale restrictions locators are approximate.

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

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Price Range

•

Aspen Ridge Homes King Country Estates 905-558-0255 • Brookfield Homes Grand Central 905-778-0873 • Brookfield Homes Treetops 705-435-3577 • Orchard Ridge Homes Treetops 705-435-3577 • Brookfield Homes Fieldstone MyFieldstone.ca • Brookfield Homes Willow Glen Tottenham 1-888-720-9508 Briarwood Homes Mill Street Village millstreethomes.com Ballymore Homes Mill Street Village millstreethomes.com Pacific Homes Limited MarlLake Village 1-877-428-5115 • Red Berry Homes MarlLake Village 1-877-428-5115 • Starcrest Homes Nottawasaga Village 1-877-534-4445 • Mason Homes Cloverlea Lindsay 705-324-1653

Mancini Homes Princeton Woods 705-730-1978 • Democrat Homes Wasaga Sands 1-866-409-2724 • Mariposa Homes West Ridge Place Orillia 705-329-3330 • Mancini Homes West Ridge Place Orillia 905-773-9997 • Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay 519-599-1900 • Fandor Homes Hamptons on Big Bay Point 705-792-6807 • Grandview Homes Big Bay Point 705-735-0732 • Grandview Homes Bear Creek Hollow 1-866-386-1629 • Berkley Homes Wasaga Beach 1-877-422-1185 • Ballymore Homes The Simcoe 1-877-455-0201 Ballymore Homes The Neptune 1-877-455-0201 Previn Court Homes Victorian Village 1-855-7PREVIN • Southpointe Homes Southpointe 1-888-431-1732 • Rosehaven Homes King Country Estates 905-558-0098 • Country Wide Homes King Country Estates 905-907-1500 • Great Gulf Homes Summerlyn Village 905-775-3461 • Fernbrook Homes Grand Central 905-778-0873 • Melody Homes Sunflowers 705-721-7200 • Zancor Homes Sunflowers 705-721-7200 • Pristine Homes Timberwolf Lodge 905-851-1224

Oxford Homes Mount Albert Village 905-251-3203

Kingsview Homes Renaissance Collection 705-734-9518 • Kaitlin Group Ltd. Blue Shores 1-866-625-2583 • Grandview Homes Forest Beach Estates 1-866-386-1629 • B.G. Schickedanz Lake Scugog Meadows North 905-695-1953 • Alliance Homes RidgeHill 705-434-4433 • Alliance Homes Jackson’s Landing 1-866-722-7771 • Country Homes Alcona by the Lake 1-866-531-3424 • Maple Lane Homes Wallace Mills 705-436-7215

Sandiego Homes Lakeside Living in Innisfil 705-436-5445 • Senator Homes Lakeside Cove 705-797-1967 • Sunfield Homes Centre Point 705-734-1887 • Pristine Homes Pebbleshores 705-436-5547 • Brandy Lane Homes Mountain Trails 1-888-445-9608 Stonebridge Building Group Stonebridge by The Bay 1-877-420-0880 • Royalpark Homes Emerald Forest royalpark.com • Delpark Homes Pretty River on Georgian Bay 1-888-257-1999 Mason Homes Just 4U masonhomes.ca/4U • Bremont Homes Centretown 1-877-855-1122 RAYMAC Homes Brennan Enclave 705-516-0681 • Rosehaven Homes Dreamfields in Bradford 416-410-0175 • Regal Crest Homes Dreamfields in Bradford dreamfieldsbradford.com • Country Wide Homes Dreamfields in Bradford dreamfieldsbradford.com • Devonleigh Homes Inc. Creekside 705-444-0555 • Devonleigh Homes Inc. Parkside by Devonleigh 705-435-9991

Devonleigh Homes Inc. Brownley Meadows 705-423-9662 • Democrat Homes Maplewood democrathomes.com • Brookfield Homes Park Central 905-778-0873

Fram Building Group The Shipyards 705-446-2626

Briarwood Homes Briarwood Estates 705-294-2288 • Lakeview Homes Greenbrook Village 519-217-5944 • Briarwood Homes Pretty River Collingwood 1-888-257-1999 • Far Sight Homes Greenfields 1-855-299-7929 •

Page No.

•

from $267,000

87 9g

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• •

•

• • • •

• • •

• •

•

•

• • • •

• • •

• •

•

•

• • •

• • •

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•

•

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

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel 1-877-455-0201

north region:

IFC-Inside front cover

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

Site Lakeside Meadows

Fi Map nd er

Builder

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

# Si te

11 Ballymore Homes

85

inthenews

Good debt, bad debt and everything in between:

how to borrow smartly Access to credit is an ongoing need for Canadians

as they navigate through expenses that range from the unexpected to buying a house. In fact, a recent TD Canada Trust survey found the top three credit options used by most Canadians within the past five years are bank-issued credit cards (92 per cent), department store cards (48 per cent) and mortgages (42 per cent).

TD Canada Trust’s Farhaneh Haque, director of mortgage advice, and Stephen Menon, associate vice-president of credit cards, have teamed up to outline the popular credit products available and provide Canadians with tips on how to borrow responsibly.

“Believe it or not, some debts can actually work for you,” says Haque. “Borrowing money to invest in something that will increase in value, like a home, could be considered good debt. In contrast, carrying a balance on your credit card to fund shortterm lifestyle spending is not sustainable and should be paid off immediately.”

“Used responsibly, financial products like credit cards and lines of credit can help you finance major expenses cost effectively and manage your cash flow,” adds Menon. “However, these benefits may be outweighed if you’re taking on too much debt.

Credit products should not be used for perpetual borrowing, with no plan in place to repay the debt.” ›› Credit cards According to the survey, credit cards are the most widely used personal credit product. More Canadians applied for a credit card in the past year (29 per cent) than any other personal credit product. Two-thirds of Canadians (66 per cent) agree that setting up pre-authorized bill payments on a travel rewards credit card is a good way to maximize the travel rewards earned and manage your finances.

“When used correctly, credit cards can help manage and track your spending and build your credit history,” says Menon. “A credit card can also maximize your spending power if you choose a card that comes with travel or cash back rewards. But no matter which credit card you have, ensure you pay your credit card bills 86 New home guide GTA | may 11 - 25, 2013

in full and on time each month to avoid interest charges on your purchases.” ›› Home Equity Line of Credit Seven in 10 Canadians (70 per cent) say they have never used a home equity line of credit, even though 82 per cent correctly believe that a home equity line of credit can be a lower-cost option than a personal loan for financing a home renovation.

“Many homeowners have the option to use the equity they’ve already built in their homes to finance upgrades which may improve their home’s resale value,” says Haque. “A Home Equity Line of Credit could allow you to use up to 65 per cent of the lesser of the appraised value or purchase price of your home, with a lower interest rate than most alternative forms of unsecured credit.” ›› Mortgages The majority of Canadians think a mortgage is “good” debt (88 per cent) and understand that weekly mortgage payments, versus monthly, will help reduce the mortgage amortization period (84 per cent).

“Many borrowers want to pay down their mortgage ahead of schedule and be debt-free sooner, but they worry about not having the cash available if they need it in the future,” says Haque. “If you have paid down your mortgage ahead of schedule, and if you qualify, you may be able to use that prepaid amount to take a temporary ‘vacation’ from your scheduled payments at a later date. A payment vacation can be particularly useful if you’re starting a new family or find yourself temporarily unemployed.”

Discover Sutton this Season with

spring savings

10,000

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THE ASHBERRY A 2,869 sq.ft. on a 50’ lot

431,900

$

in free* upgrades

THE STONEHURST B 2,085 sq.ft. on a 50’ lot

427,900

$

A fabulous selection of 50' lot designs!

SUTTON Jackson’s Point

Come Tour our Fully Decorated Models!

Townhomes starting from $266,900ÊUÊ{ÓÊvÌ°Ê- } ià starting from $335,900 UÊxäÊvÌ°Ê Õ }> ÜÃÊ> `ÊÓÊ-Ì ÀiÞà starting from $380,900 SALES OFFICE: 4950 Baseline Road, Sutton, ON, L0E 1R0 Mon. - Wed. 1pm - 8pm. | Thurs. & Fri. by appt. only. | Sat., Sun. & Hol. 11am - 6pm

s LakesideMeadows.ca

*Cannot be combined with any other promotion. Bonus varies on home purchased and has no cash value. Prices and specifications subject to change without notice. E.&.O.E. Renderings are Artist’s concepts.

87

quicktips

If you don’t use it,

it’s time to lose it by hellen buttigieg

There are many charities that will take things you

no longer need so don’t hold onto items just because you have them. If they’re of no use to you it’s time they stopped taking up your space and moved on to a home where they’re needed. Hold a garage sale if you have the time. The money you earn can go towards new purchases once you’ve carved out some space.

Get a jump-start on de-cluttering Books collecting dust? Although I keep a collection of books that I often re-read or refer back to, I make it a habit to use the one-in/oneout rule. I love books and my house would be overrun with them if I didn’t begin this habit a long time ago. Any time I’m tempted to buy a new book, I remind myself that if I do, I will have to let one go. This encourages me to borrow books from the library when possible. I often get questions about what to do with books that are no longer used and are taking up space. Donate books in good condition to your local library, hospitals or schools. There is even a great program that sends books to troops (Books for Soldiers, booksforsoldiers.com).

Toy toss Put aside time with the kids to go through their old toys and decide what they want to donate. Remind them they need to make space if they want new toys. Drive to the charity together and drop off the toys. Remind the kids how kind and giving their gesture was and that other less fortunate children will truly appreciate their donation.

It’s never too early to start teaching children this valuable practice.

Clean out the garage If your garage is cluttered, it’s a good time to tackle it. Empty out the entire garage, or work in sections (depending on the amount of clutter and the amount of time you have to clear it). Place like items together in categories: car care, tools, sporting, gardening, etc.

Create a pile for things you no longer need or want. Heavy duty shelving units and clear bins work great for storing these items within their categories. Brackets and hooks work for large items. Don’t forget to take the discarded items to the dump if they cannot be sold or donated.

88 New home guide GTA | may 11 - 25, 2013

Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the best-seller, Organizing Outside The Box. For tips on organizing your home, your office and your life, visit weorganizeu.com and sign up for the free newsletter.

Have you been putting off your garage sale? Have you been storing items for years with the intention of having a garage sale, but never get around to it? Pull out your calendar today and book a definite date to have it. Blocking the time now increases the likelihood of following through with it later. Another option is to forgo the garage sale entirely and donate these items instead.

Has your clutter expired? If you can’t quite bring yourself to let go of certain items, even though you aren’t using them, consider packing them in a box and writing a “best before” date on it six months away. Put this date on your calendar as a reminder. If you don’t go into that box again before the expiry date, donate it to charity without opening it again. This provides you with a coolingoff period, making it easier to detach.

Out with the old, in with the new Is your outdated home office equipment slowing you down? Maybe it’s time to upgrade or replace it. Or, have you replaced your equipment but kept the old laptop or printer “just in case?” Take back your space and give your office a fresh start by letting go of the old. Do this and I predict your productivity will increase in the years ahead!

Having trouble deciding? Clutter is the result of postponed decisions. When you are de-cluttering, make the keep/toss/ donate decisions easier by asking yourself whether the item serves a purpose or adds beauty or meaning to your life. Getting organized is not about getting rid of all your stuff, it’s about honouring what truly serves you and letting go of what’s just taking up space. If you don’t love it or use it, it’s time to lose it.

One-of-a-kind Yonge & Bloomington location

Renowned Acorn home designs with exquisite features

Beautifully landscaped parks, walkways & vista viewpoint in an innovative master planned community

38’ SIGNATURE COLLECTION

Conveniently close to many superb amenities

ARTIST’S CONCEPT OF ENTRANCE FEATURE

28’ CARRIAGE COLLECTION

Very rarely does such a great combination of nature, amenities, location & elegance come together in one place.

Here, your ownership of common element areas within your community will always be maintained to your high standards. Distinctive detached homes starting from $599,900 with up to $7,500 IN FREE UPGRADES. Presentation Centre Hours: Mon. - Thurs.: 1pm - 8pm; Sat. & Sun.: 11am - 6pm; Closed Fridays & Holidays 905-773-9257 acornhomes.ca

N

Bloomington SITE

Yonge

This beautiful landscape of rolling hills & mature trees is a perfect compliment to Acorn’s signature architecture.

SALES CENTRE

Hwy 404

Backing onto nearly 100 acres of nature & greenspace

Illustrations are artist’s concept.

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

may 11 - 25, 2013 | New home guide GTA 89

smartshopper

smart Shopper 1 ADORNMENTS ON QUEEN

Exclusive discounts and deals for our readers

Mannequins are popularly known as “Judy’s,” and Adornments On Queen has a very special one to offer! A floor-standing model, adjustable in height, it stands a minimum of 52-in-h with a tripod base of 18-in-w. Solid and attractively decorated in script fabric, it is a practical and beautiful addition to the boudoir. Ready for your day’s clothing, an item requiring alterations or simply to display a favourite dress. Regularly $137 but until May 31, 2013 enjoy 15 per cent off.

1

338 Queen St. E., toronto | 416.955.4791 visit adornmentsonqueen.com

2

2 bayden cabinetry

Luxurious top-of-the-line vanity designed by Bayden. High-quality finish with self-closing full extension drawer slides and crystal hardware. As shown with Bianco Carrara counter, sink and faucet.

Regular price is: $4,499, promotional price is $3,999. Offer valid to May 18, 2013.

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

3 3 a special place

Turning your bedroom into a relaxing oasis begins with the perfect upholstered bed. Whether you go for patterned, textured or plain, A Special Place has a spectacular array of designer fabrics to choose from. Queen size bed as shown, is regularly $2,129 on sale for $1,699 until May 31, 2013.

1280 castlefield ave., toronto | 416.481.2077 1755 pickering pkwy, #18, pickering | 905.428.6317 for a location near you visit aspecialplace.ca

90 New home guide GTA | may 11 - 25, 2013

5 5 x-tile canada Changing up your floors is a breeze with X-Tileâ&#x20AC;&#x2122;s Easy, Habitat, Serena and Touch series that now come in 17 beautiful colours. This contemporary and versatile look will give the impression you spent a lot more than you did on your flooring.

At $1.99 per sq. ft., this is X-Tilesâ&#x20AC;&#x2122; best deal to date! Offer valid to May 18, 2013.

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

4

4 Alta Moda Furniture Choose from hundreds of fabrics and different finishes to customize your very own Brooklyn chair from Alta Moda for $1,150 until May. 31, 2013. Regular price is $1,495. Pictured here in distinguished Herringbone.

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

6 6 arrow furniture Unbelievable deal! 65 per cent off of this 80-in TV stand with long nickel hardware and solid wood and veneers in a beautiful blond finish. $299 while quantities last.

For locations visit arrowfurniture.com

may 11 - 25, 2013 | New home guide GTA 91

CHINESE HOME & CONDO GUIDE 網上 參閱

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

各式電子工具都可瀏覧

ChineseHomeGuide.com

/ Apr 27 - May 25, 2013 四月二十七日至五月二十五日

R 即將駕臨 YORK 夾 HARBOU 繫連生活方便的脈搏

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

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

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創刋一 週年誌慶 2013-04-05 4:37 PM 4/19/13 9:16:13 AM

newhomeguide.ca 92 New home guide GTA | may 11 - 25, 2013

may 11 - 25, 2013 | New home guide GTA 93

stylefile

deco delight

CY-9507-SN Chandelier. $890.

Visit barrymorefurniture.com

Iâ&#x20AC;&#x2122;m inspired by the upcoming remake of F. Scott Fitzgeraldâ&#x20AC;&#x2122;s The Great Gatsby, which will be in theatres this month. I want to decorate my space with Art Deco inspired pieces from the glamourous age of the 1920s. by sara duck

Fleming Chair. $1,995.

Visit elte.com

Mirror.$80.

Visit Bouclair.com

The Great Gatsby by F. Scott Fitzgerald. $10. Visit chapters.indigo.ca

Lismore Essence Saucer Champagne

by Waterford Wedgwood. $235 for set of two.

Visit thebay.com

94 New home guide GTA | may 11 - 25, 2013

Hayworth Mirror and Vanity. $260-$490.

Visit pier1.ca

GTAâ&#x20AC;&#x2122;s exciting free monthly home design magazine Featuring the newest products and hottest design trends for your home, inside and out.

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HD_Cover_April 2013.indd 1

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May issue on stands now!

96 New home guide GTA | may 11 - 25, 2013

Incredible Selection of

Semis & 33’ Singles Elevation B - 2155 sq. ft.

Elevation B - 2081 sq. ft.

THE SPRINGVALLEY Semi detached starts from

352

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THE HEARTLAND 33’ Lot starts from

,990

Additional 33’ Singles from $357,990

Take a look today! You’ll be moved tomorrow!

Townhomes from

A LS O AVAIL ABL E

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TOT T E N HA M

SALES PAVILION SALES OFFICE HOURS: Mon-Thurs: 1-8pm, Fri. – closed, Sat., Sun. & Hol.: 11am – 6pm

millstreethomes.com

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

1-855-232-8100 97

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.

Powered by

98 New home guide GTA | may 11 - 25, 2013

May 11 - 25, 2013

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

IN THIS SECTION

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

32 Sideline

32 Sideline

Altona Rd

Rosebank Rd

Altona Rd Church St S

Squires Beach Rd

Brock Rd

Sandy Beach

Appleview Rd

Spruce Hill

Montgomery F

eD

Lak

tD

Wentworth St

Gibb St

60

29

46

40

34

2

King S

tE

Adelaide Ave

10

31

Wentworth St

Bloor St.

Olive Ave

Ritson Rd S tS eS co Sim

Stevenson Rd

Phillip Murr

Bloor St Park Rd S

57 n 65

Finley Ave

ou

Harwood Ave

em

Garden St Blair St

Westney Rd S

401

Kendalwood R

Whites Rd

Granite Court

Dr Notion Rd

47

52 91 14

King St W Bond St W

Adelaide Ave

3

26

Beatrice St

18

22

Conlin Rd

68

Harmony Rd S

ug

Fairport Rd

wS

Ro

Dixie Rd

42 11

Cochrane St

46 Rd

49

56

Manning Rd

17 Rossland Rd

Park Rd S

on

Townline Rd

Bayly St E

Dundas St E

38 1

Dryden Bv

Taunton Rd W

Centre St.

gst Kin

45

55 44 48 401

Kingston Rd

Bv

Sheppard Ave

Liverpool Rd

401

30

5

7

8 36

55

67

21

15

devie

15

Whites Rd

Brock Rd R aks rO o j Ma Valley Farm

6

Brock Rd

Riverside

50

Church St N McQuay

Glenanna Rd

16 Sideline Rossland Rd

16

50

Garden St

Magill 92Dr

54

23

33

City of Oshawa

Mary St N

Stroud's

Paddock Rd Ravenscroft

28

Lakeridge Rd

58

Greenwood Rd

43

Audley Rd

To wn of Ajax

66

Country Lane

Taunton Rd W

Anderson St

Highview Rd

Westney Rd N

41

Salem Rd Brock St N

Delaney Dr

Salem Rd

24

Audley Rd

Garrard Rd

Gran

K

North Rd Baldwin St S

4

Garrard Rd

Rossland Rd

4 Sideline R

Taunton Rd E

Thornton Rd

Central Park

J

North Rd

13 37

35

Conlin Rd

To wn of W hitb y

Rossland/Winchester R

53

14

8 Concession

13

Church St E

Stevenson Rd

51

24 Sideline Coronation R

tN

I

20 Sideline

Thickson Rd

eS

Finch Ave

Brock Rd co

3 Concession

16 Sideline Sim

H

16 Sideline Brock Rd Cen tral St

90

12 Sideline

4 Concession

6 Sideline

Ritson Rd N

4 Concession

4 Sideline Halls Rd N

Fifth Conces

68

12

Wilson Rd N

G

30 Sideline

Village of Bro oklin

Brawley Rd

11

Baldwin St N

5 Concession

10

Myrtle Rd W

9

Country Lane

Columbus Rd

Lake Ridge R

6 Concession

8

Cochrane

7

7

Ashburn Rd

7

7 Concession

8 Concession

9 Concession

6

Cedarbrook T

City of Pickering

5

Duffs Rd

Whitevale Rd

4

12

F

28 Sideline

7 Conncession

3 Garrard Rd

E

9 Concession

2

Stevenson Rd

D

1

Pickering, Ajax, Whitby, Oshawa

4 Sideline R

C

B

A

east region:

Harmony Rd N

Grandeview S

ly

Townline Rd.

Bay

100 Grandeview S

Wilson Rd S

Thornton Rd

Hopkins St Blair St

Henry St

Brock St S

Gordon St

Ajax-Whitby

Shoal Point Rd

Pickering Beach Rd

riv ew a

Liverpool Rd

17

18

19

Attention Builders Want to add your community to our maps?

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

* Due to scale restrictions locators are approximate.

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

16

Price Range

Page No.

Brookfield Homes

Hills of Harrowsmith

Brook-Hill.ca

•

from $300,000

17 15G

3

Great Gulf Homes

Stonecrest

greatgulf.com

•

•

from $334,000

105 15F

4

Menkes

Somerset

905-428-0500

•

from $480,000

6-7 7G

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

1

Beaverhall Homes

Parkside Walk

905-430-1227

5

Monarch Corporation

Lexington County

416-495--3542

•

from $490,000

6

Emery Homes

Town Central

1-877-953-6379

•

from $300,000 4J

11 Conservatory Group

Carruther’s Creek Village

905-426-8081

•

•

from $247,000 7J

13 Liza Communities

Folkstone

1-877-365-9555

•

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $287,000 14F

24 Tribute Communities

Imagination

905-683-1228

•

from $286,000 8G

25 Melody Homes

Brooklin Winchester

1-888-679-5744

•

from $260,000 11E

31 Preston Homes

Prestonvale Heights

905-432-2800

•

•

from $350,000 15J

33 Tribute Communities

The Neighbourhoods of Windfields Farm 905-436-7444

•

from $356,000 13F

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $333,000 15G

35 Tribute Communities

The Village of Brooklin West

905-655-9979

•

from $380,000 11E

35 Tribute Communities

The Village of Brooklin Townhomes 905-655-9979

•

from $340,000 11E

36 Liza Communities

Heritage Village

1-888-655-6188

•

•

from $325,000 11G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $190,000 6J

49 Senator Homes

Harbourside

905-430-5957

•

• •

from $270,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

•

from $250,000 9G

55 Jeffery Homes

Kedron Park Ravines

905-433-2173

from $580,000 14G

56 Delpark Homes

The Woods of Nichol Trail

905-665-9555

•

•

from $426,000 11I

57 Geranium Homes

The Courts of South Rouge

geraniumhomes.com •

from $700,000 2K

58 Mattamy Homes

Seaton

mattamyhomes.com

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

65 Brookfield Homes

Rosebank By The Lake

PickeringRosebank.ca •

from $550,000 2K

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $520,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

•

from $257,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

91 Sundance Homes

The towns of nichol green phase 1

905-441-3312

•

from $260,000 11J

92 Glen Rouge Homes

The Cornerstone

905-239-9777

•

from $588,000

•

•

107 5H

from $285,000 11H

from $225,000

8I

5I

6I

Pickering, Ajax, Whitby, Oshawa

• •

east region:

Tel

M Fi a nd p er

Site

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

Builder

D

# Si te

2

101

Mill St

Parkhill Rd.

7B

7

28

115

28

7

t.

24 16

rS

te Wa

28

Peterborough

9 31 38 Lansdowne Ave.

7A

7

35

2

7

134

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

ach

Re

4

Durham 23

St

7

7

Bloor St.

2

Rd

33 Oke

6

Angelina St North 34

Major St.

Lorne St.

Harmony Rd

Hw Mya2rsh

20

32

401 14

Bloor St.

LAKE

ONTARIO

.

St. Ridout W al to

n

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

gS

Kin

Concession St

Baseline Rd. E

37

Concession Rd 3

13

Bowmanville/ Newcastle

21

12

Hwy

39

8

401

14

16

7

7 12 7A

Lake Scugog

18

Dr

18

ill Mc G

17

Lake Scugog

15

LAKE ON TA

Port Hope

1

MacDonald Cartier Freeway

106

RIO

35

29

5

115

19

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

17

To Toronto

Hwy

Nash Rd

y2

St. Hw

Baseline Rd. W

26

King

48

45

11

Mearns

10

.

36

Hwy

Nash Rd

9

Lindsay St. North

Lindsay

8

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

35

7

Rd

K

J

I

H

G

F

E

19

7 y4 30 Hw 10 Goodwood Rd

Centre

Rd.

ng

D

Quaker Village Dr

Uxbridge

15

Brock Rd To

mo

Che Monaghan Rd.

C

Brock St

St

to

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

B

Hwy 134

Liberty St. N Liberty St. S

6

West Townline Rd. N.

5

le Rd

4

Varcoe Rd Darlington Blvd

n io Un

3

.

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

2

t.

1

Hwy 28

Av e Trulls Rd

Regional Rd 57

A

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

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

Reg. Rd. 18

east region:

y2

Prest

to

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

On

Simcoe St. (From Oshawa)

w

y.

4 H

102 Hw

5

Page No.

1

Mason Homes

Port Hope Golf & Country Club

905--885-6565

•

from $210,000 12K

2

Parkview Homes

Woodland Acres

705-748--2828

•

from $220,000 3G

5

Mason Homes

Cobourg

905-885-6565

• •

from $200,000 19I

6

Mason Homes

Cloverlea Lindsay

705-324-1653

•

• •

from $200,000 7a

7

Brookfield Homes

Foxtrail

brookfieldhomes.ca

•

from $390,000 5B

8

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

8

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $351,000 14E

8

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

9

Parkview Homes

Harmony

705-748-4663

9

Parkview Homes

Lyon’s Gate II

705-748-4663

•

from $303,000

2I

9

Parkview Homes

Mapleridge Townhomes

705-741-1004

•

from $228,000

2I

9

Parkview Homes

Timberwoods

705-748-4665

•

from $228,000

2I

9

Parkview Homes

Valleymore

705-748-4663

•

from $199,000

2I

10 Deer Park

Deer Park Estates

416-223-3777

•

from $600,000 2e

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. Schickedanz

Lake Scugog Meadows

1-877-878-9899

•

from $298,000 17B

20 Geranium Homes

Verandas

905-885-0555

•

from $260,000 10I

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10c

26 Kaitlin Group Ltd.

Country Classics

1-866-514-3573

•

•

from $300,000 10c

28 B.G. Schickedanz

Chateau Villas at Baxter Creek Estates

905-695-1953

•

from $185,000 3K

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

The Meadows

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-434-7797

•

from $260,000

35 Mason Homes

Avonlea

1-866-443-7900

•

from $190,000 3H

36 Senator Homes

Courtice Village

905-723-5989

•

•

from $239,000 7K

38 Melody Homes

Fairview Heights

1-800-932-5332

•

•

from $172,000

39 H&R Developments

Gracefields

hr-newhomes.com

•

from $285,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com

•

from $290,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

•

from $221,000 11B

45 Delpark Homes

Northglen

905-419-7222

•

• •

from $221,000 11B

45 Esquire Homes

Northglen

northglen.ca

from $219,000 11B

48 Brookfield Homes

BrookHill

Brook-Hill.ca

•

• •

from $200,000 10B

48 Jeffery Homes

BrookHill

905-697-0765

•

• •

from $200,000 10B

72 Vandyk Communities

West Park Village

vandykcommunities.com •

• •

from $210,000

• • from $260,000 14E

• from $150,000

• • from $288,000

2I

3I 9I

2I

3I

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

103

trendspotting

bedroom bouquet

April showers bring May flowers, and make bouquets for June. Bring these florals into your home and youâ&#x20AC;&#x2122;ll enjoy blooms every season! by elisa krovblit

one

four

two

five

three

one WholeHome Classic Shanna 10-Piece Comforter Set. $180 for any size.

Visit sears.ca. two Organic Cotton Sakura Duvet Cover and Shams in Desert Sunset. $26 TO $117. visit WEstelm.cOM three Rosette Nursery Collection. $40 TO $160. Visit dwellstudio.com four Marimekko Unikko Dusk, Duvet Cover and Sham. $40 TO $110 for Full/Queen. Visit crateandbarrel.ca five Emelina Knopp Duvet Cover and Pillow Case. $35 for full/queen.

Visit IKEA.ca

104 New home guide GTA | may 11 - 25, 2013

OSHAWA

DESIGNED FOR LIVING UP TO $300,000 LESS THAN GTA PRICES! 83

3

Kitchen with island, breakfast area and walk-out

2

Open-concept great room with gas fireplace

3

2 car garage with interior access

4

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5

Master suite with his and hers walk-in closets

6

Second floor family room with 10 ft. ceiling

7

Spacious 4 bedroom design

Hwy. 401

Harmony Rd. N

Adelaide Ave. E

Grandview St. N

Rossland Rd. E

Clearbrook Dr.

Wilson Rd. N Taunton Rd. E

6+

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Before you buy, see the Great Gulf difference: 1

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GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artistâ&#x20AC;&#x2122;s concept. All square footages are approximate. Actual usable space varies from stated floor area.

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Our 2013 shopping guide profiles some of the GTAâ&#x20AC;&#x2122;s top home and dĂŠcor shops and services.

106 New home guide GTA | may 11 - 25, 2013

newhomeguide.ca

may 11 - 25, 2013 | New home guide GTA 107

moneymatters

Want to get out of debt? by gail vaz-oxlade There are a lot of people walking around

with the debt monkey on their backs. A lot of people.

And some of them can’t understand how they got roped into carrying the little beastie around with them.

All of them wish they could shake the bugger off. So, why don’t they?

Answer seems easy enough, doesn’t it? Just pay off the debt.

But wait. To do that, a body would have to admit to having debt and there are people who haven’t yet ‘fessed up to how much they owe. Some even pull out the wide eyes and Betty-Boop lips as they announce, “I don’t know how much I owe.”

Really? You don’t know how much you owe? You’re just lucky that you’re not in the room with me, ‘cos I’d give you a good smack!

I assume, because you’re reading this, you’re interested in getting the monkey off your back. To do that, you have to do exactly what I say…

Use the Own Up to Your Debt Worksheet at gailvazoxlade.com/resources/own_up_to_debt_ worksheet.html

DO NOT plan to take longer than three years to pay off your debt. There’s a phenomenon called “debt fatigue” that sets in if you live with your debt for too long.

108 New home guide GTA | dec may 8, 112012 - 25,-2013 jan 5, 2013

1 Start by gathering every last statement you have for your debt. You’ll need your most recent statements to get a clear picture of what’s going on.

If you’ve dumped them all, just wait ‘til your next statements arrive and collect them all in one place.

2 List all the debt you have including: ›› credit cards ›› lines of credit ›› loans (for your wedding, furniture, whatever) ›› auto financing ›› student loans ›› buy-now-pay-later loans (even if they haven’t come due yet) ›› outstanding bills (utilities, phone bills, cell phone,) ›› the tax man ›› spousal / child support in arrears ›› family loans

Start by gathering every last statement you have for your debt. You’ll need your most recent statements to get a clear picture of what’s going on. ›› loans from friends ›› pay advance loans (from stores) ›› pay advances from your employer 3 Identify what you used the money for since you want to be able to remember what you’re paying all that interest on. Hmmm, all those restaurant meals don’t look like such a good investment now, do they?

4 Put in your current balance from your last statement.

5 Put in the interest rate charged.

6 The worksheet will calculate approximately* what your payment will be if you decide to pay off your debt over one, two or three years and give you a monthly total. (*Hey, I built this worksheet and it’ll give you good guidance, but if you want a perfect amount, check the web for debt repayment calculators. The point of this exercise is for you to see your reality and come to terms with what you’re going to do about it.)

7 Do not plan to take longer than three years to pay off your debt. There’s a phenomenon called “debt fatigue” that sets in if you live with your debt for too long. Thirty-six months should be your maximum repayment time frame.

8 If re-payment looks impossible, here are some steps to take: a. Get your interest rate down. $5,000 on a credit card charging 25 per cent will cost you $521 a month to repay in one year. Get your interest down to 12 per cent using a consolidation loan and you’ll pay only $467 a month on that balance. Transfer your balance to your personal line of credit and pay just 6.5 per cent and it’ll only cost you $444 a month to pay off that $5,000 in one year. Better yet, transfer your balance to a credit card with an introductory interest rate of just 2.5 per cent and it’ll cost you $427 a month.

There, you just saved $100.

Gail Vaz-Oxlade is the host of Til Debt Do Us Part, author of Debt Free Forever and blogs daily at gailvazoxlade.com. Follow Gail on Twitter at twitter.com/GailVazOxlade

b. Find a way to trim your budget so you can put more money towards your debt repayment. Use Gail’s Interactive Budget Worksheet to create a budget that will let you increase your debt repayment amount. Com’on now, you can trim another ten percent. You can do it! I know you can. c. Make more money. Yes, you may have to find a second job until you’ve made a dent in your debt.

It’ll be worth it to get the monkey off your back, I promise.

9 This is the hardest part: Tell someone what your plan is. Better still tell two, five, 11 people. If you go public, the pressure will be on to stick with the plan.

10 For reinforcement, find (or borrow, but don’t buy) a backpack and fill it with the stuff you have charged but have not yet paid for: CDs, books, those snappy shoes, that new cell phone. The idea is to make the backpack heavy. For the first week, and every time you’re feeling weak and want to go shopping, hoist that sucker on to your back and take it with you. Sound hokey? Carry that monkey around for a few weeks and you’ll see how motivated you are to get that debt off your back.

Congratulations! You’re making progress. I’m proud of you. Stick with it and before you know it you’ll be debt free and light of step. may 11 - 25, 2013 | New home guide GTA 109

Model Home Compliments of Averton Homes www.averton.ca

Victoria!, The Catherine, 3,011-sq.-ft., Mt. Albert.

MAY2013

averton homes has been featured as â&#x20AC;&#x153;model home of the monthâ&#x20AC;? as seen in the new home guide model home calendar

homebuyersâ&#x20AC;&#x2122;help

HomeBuyersâ&#x20AC;&#x2122; 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

may 11 - 25, 2013 | New home guide GTA 111

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

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

125

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

01

05

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

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

02

06

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

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

03

07

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

04

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

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

112 New home guide GTA | may 11 - 25, 2013

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

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

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

monthly payment

$

Mortgage payment calculation chart %

Amortization Periods

Interest Rates

10 years

15 years

20 years

25 years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76 4.90

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19 5.34

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 may 11 - 25, 2013 | New home guide GTA 113

Compare mortgage rates for your best deal 6 Months

1 Year

ATB Financial 2.6

CHARTERED BANKS

4 6.30op

3.1 6.30op

3.14 3.55 4.39 6.50op

3.04

Alterna Svgs/Alterna Bk 2.85

4 6.30op

3.05 3.09 3.09 2.99 6.30op

3.09

Bank of Montreal 3.1

4 6.30op

3 3.04 3.55 4.54 6.30op

3.09

Bank of Nova Scotia 3

4.55 6.45op

3.75 2.69 3.99 2.99 6.50op

4.99

Canadian Western Bank

4 6.45op

3 3.04 3.55 4.54 6.30op

5.14

CIBC 3.2

6.70op

3 3.14 3.55 2.99 6.35op

5.14

HSBC Bank Canada 3

2.7 3.95 2.98 4.99 6.35op

3.49

3.15

3.65

3.64

3.69

3.44

3

3

2.79

2.99

3.08

3.09 3.14 3.55 4.54 6.30op

5.14

3 3.05 3.1 3.1 4.00op

3.09

ICICI Bank Canada ING Direct

Variable

4.45 6.20op

3.05 3

Laurentian Bank n/a

4.4 6.70op

Manulife Bank 3 4.45

2 years

5 years

2.79

2.89

2.99

National Bank n/a

3.1 3.14 3.55 4.54 6.30op

3.39

Presidentâ&#x20AC;&#x2122;s Choice Finan

3.2

Royal Bank 3

4 6.30op

TD Canada Trust 3.2

3.2

2.79

4 years

MonCana Bank 4 6.70op

2.79

3 years

3.35

3.44

3 3.04 3.55 4.54 6.30op

5.14

3 6.30op

2.99

5.14

3.09

3.04

3.24

3.55

TRUST COMPANIES AGF Trust

n/a

2.99

3.1

3.5

3.64

Community Trust

n/a

6.5

3.1

3.35

3.95

4.64

Effort Trust n/a

4.45 6.30op

3.25 3.6 3.9 4.5 6.30op

4.95

Home Trust Company

3.2

2.49

3.95

2.74

2.99

2.99

Investors Group Trust n/a

4 6.50op

3 3.14 3.55 4.54 6.30op

5.14

MTCC 3

4.55 6.45op

3.75 6.50op

4.99

2.69

2.89

5.24

3.99

2.99

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

2.99 3.25 3.29 3.09 3.49 6.25op

Comtech Credit Union 2.79

6.6 8.40op

2.99 3.25 3.29 3.19 9.00op

3.09

First National Fin. LP

3.95

2.74

2.99

2.99

FirstOntario C.U. 2.79

6.34op

2.99 3.14 3.19 3.24 6.34op

2.97

London Life n/a

3 3.14 3.55 4.54 6.30op

5.14

MCAP 2.9

3.6 3.95 4.35 4.89 7.00op

5.14

Meridian Credit Union 2.85 4.45

3.1 3.14 3.7 2.98 6.30op

3.19 3.4

4 6.50op

2.69

2.79

Parama Credit Union

2.9

3

3.05

3.15

3.25

Steinbach Credit Union

2.4

2.4

2.5

2.7

2.8

3

2.99 6.50op

3.04

2.79

3.89

3.19

Teachers Credit Union 4

4.45 6.30op

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 22, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | may 11 - 25, 2013

hot sheet GTA

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

Please say you saw it in New Home Guide!

new openings Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca Glen Rouge Homes Ajax – The Cornerstone Now open, featuring 16 single-detached homes on 42-, 45-, 48- and 50-ft. lots, north of Hwy. 401, a short distance to the Ajax GO Station. glenrougehomes.com Fieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com Acorn Homes Richmond Hill – Oak Knoll Grand opening on now for distinctive 28and 38-ft. single-detached homes backing onto nature. acornhomes.ca

new RELEASES Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com 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 Toronto – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Brookfield Homes Mono – Fieldstone Now open – single-family homes on 60and 70-ft. homesites. myfieldstone.ca Menkes Georgetown – The Enclaves of Upper Canada Now previewing – semi-links and detached homes in Georgetown. menkes.com

Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41and 45-ft. lots. lovemountpleasant.com Mattamy Homes Oakville – The Preserve A new release of Village Homes and 34-, 38and 45-ft. detached homes, many on a private crescent. mattamyhomes.com Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages.

Eight models now open. cornellrouge.com Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands. ballantryhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca Madison Homes Markham – Cornell Rouge New release of semis and detached homes on 30-, 36- and 40-ft. lots. madisonhomes.ca Primont Homes Brampton – Castlemore Now open – prime towns, semis and singles in a ravine setting. primonthomes.com

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

Great Gulf Homes Oshawa – Stonecrest Last chance to purchase semis and 30-ft. singles. greatgulf.com

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

Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca

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

Monarch Corporation Kleinburg – Kleinburg Crown Estates Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com

Fieldgate Homes Vaughan – Vaughan Valley Estates New release – selection of 41- and 50-ft. luxury singles on traditional lots. fieldgatehomes.com

Yorkwood Homes Richmond Hill – Hillside Manors Now previewing – luxury town manors, with greenbelt lots available. hillsidemanors.ca

Rosehaven Homes Oakville – The Randall Residences Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com

Menkes North York – Bloom Park Towns Now open – townhomes at Bathurst St. and Finch Ave. menkes.com Geranium Homes Stouffville – Cardinal Point Grand opening of two new two-storey model homes in this master-planned ravine community. geraniumhomes.com

may 11 - 25, 2013 | New home guide GTA 115

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Brought to you by

2013-04-05 4:37 PM 4/19/13 9:16:13 AM

hot sheet GTA

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

Please say you saw it in New Home Guide!

preview registration CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca Mosaik Homes Brampton – Castlemore Crossing & The Estates Of Credit Ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com Ballantry Homes Oakville – Oak Park Register now for this collection of urban townhomes and midrise condominiums. ballantryhomes.com Mattamy Homes 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 Madison Homes 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 Kleinburg – Kleinburg Hills Coming in spring – new community of luxury detached homes. kleinburghills.com Brookfield Homes Tottenham – Willow Glen Register now for these towns and singles from the $200’s. brookfieldhomes.ca 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. treasurehills.com Treasure Hill Homes Aurora – Aurora Woods Grand opening celebration – 40- and 45-ft. luxury singles at Bayview Avenue and Vandorf Side Road. treasurehills.com Highcastle/Delpark/Esquire Bowmanville – Northglen Pre-construction pricing on bungalows, singles, towns and semis. northglen.ca Averton Homes Mount Albert – Victoria Highlands Preview opening for this community of bungalows and two-storey homes. victoriahighlands.com Arista/Fieldgate/Paradise/Starlane Unionville – Upper Unionville Coming soon – register now for singles, semis and new urban townhomes. livingatupperunionville.com Countrywide/Greenpark/Royalcliff/ Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca Oskar Group/Ashley Park Maple – Le Sedici Villette A limited offering of three-storey executive townhomes up to 2,400-sq.-ft. lesedici.com VanMar Brampton – Credit Ridge Estates Register now for brand new designs of 38- and 41-ft. homes, plus 50- and 70-ft. designs available. vanmarhomes.com

Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs.

Discover a lifestyle infused with nature.

Register now! monarchgroup.net Empire Communities Brampton – Lakeside Register now for these townhomes, semi-detached and detached homes. empirelakeside.com Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com Heathwood Homes Richmond Hill – Hampshire Mews Coming soon to Richmond Hill – an exciting new community. heathwood.com Ballantry Homes Oakville – OakPark Register now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.com National Homes Brampton – Claireville Coming soon – affordable townhomes up to 2,200 sq. ft. near Claireville Conservation. nationalhomes.com Delpark Homes Sutton – Cedar Ridge Coming soon – register now for towns and singles from the upper $200’s. delparkhomes.ca Brookfield Homes Uxbridge – Foxtrail Register now for bungalow townhomes from the high $300’s. brookfieldhomes.ca Lakeview Homes Whitby – Forest of Lyndebrook Coming soon – Phase 3, 40-ft. traditional detached homes in Baldwin (Brock), north of Taunton. lakeviewhomesinc.com Rosehaven Homes Waterdown – Waterdown Meadows Limited release of single-detached homes on 35-, 40- and 45-ft. lots. waterdownmeadows.com Arista/Fieldgate/Forest Hill/ Madison Homes Richmond Hill – Jefferson Forest Grand Opening coming soon – register now for townhomes and a select number of singles. jeffersonforest.ca may 11 - 25, 2013 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

89

Brookfield Homes - Pathways

17

Arista Homes - Jefferson Forest

30-31

Brookfield Homes - Treetops

93

Arista Homes - Upper Unionville

28-29

Brookfield Homes - Willow Glen Tottenham

17

Arista Homes - Vaughan Valley Estates

44-45

Canpages - Promo

98

Chinese Home & Condo Guide - Promo

92

Country Wide Homes - Corporate

51

55

Aspen Ridge Homes - Corporate

Aspen Ridge Homes - Credit Manor Heights

IFC

1&55

Aspen Ridge Homes - Kettle Lakes Club

1

Country Wide Homes - Credit Manor Heights

Aspen Ridge Homes - King Country Estates

1

Family of Magazines - Promo

Aspen Ridge Homes - King Oaks

1

Fieldgate Homes - BlueSky Stouffville

Aspen Ridge Homes - Kleinburg Hills

1

Fieldgate Homes - Jefferson Forest

Aspen Ridge Homes - Upper Cornell

1

Fieldgate Homes - Potterâ&#x20AC;&#x2122;s Bend

Insert & 25

Fieldgate Homes - Rivers Edge

Insert & 25

Averton Homes - Model Home Of The Month

110

116

Insert & 25

30-31

Ballantry Homes - Spring Valley Village

5

Fieldgate Homes - The Humberlands

Insert

Ballantry Homes - The Neighbourhoods of OAK PARK

5

Fieldgate Homes - Upper Unionville

28-29

Ballymore Homes - Lakeside Meadows

87

Fieldgate Homes - Valley Lands

Ballymore Homes - Mill Street Village

97

Fieldgate Homes - Vaughan Valley Estates

Beaverbrook Homes - Victoria Highlands

34-35

Fieldgate Homes - Victoria Manor

Insert & 25

Insert, 25, 44 & 45

Insert & 25

Briarwood Homes - Mill Street Village

97

Forest Hill Homes - Cornell Rouge

Brookfield Homes - Fieldstone

17

Forest Hill Homes - Jefferson Forest

30-31

Brookfield Homes - Grand Central

17

Geranium Homes - Corporate

22-23

Brookfield Homes - Grand Valley Trails Brantford

17

Great Gulf Homes - Mount Pleasant

Brookfield Homes - Hills of Harrowsmith

17

Great Gulf Homes - Stonecrest

118 New home guide GTA | may 11 - 25, 2013

21 & 95

67

105

Heathwood Homes - Terracotta Village at The Credit Valley

53

Monarch Corporation - Evergreen

Heathwood Homes - The Village at Traditions

53

National Homes - Corporate

19

Heathwood Homes - Traditions Heathwood

53

Orchard Ridge Homes - Treetops

93

Home Decor & Renovations - Promo

96 Paradise Homes - Upper Unionville

28-29

Plaza Premium Lounge - Promo

54

Primont Homes - Castlemore

13

Primont Homes - Centretown

12

Primont Homes - Harmony

13

Primont Homes - Heirloom in Markham

13

LeBovic Homes - Old Taunton in Pickering

Lifestyle Communities - Promo

Madison Homes - Cornell Rouge

107

74

11 & 21

Madison Homes - Greensborough

11

Madison Homes - Jefferson Forest

30-31

Madison Homes - Thornhill

IBC

11

Mattamy Homes - Hawthorne Village

9

Regal Crest Homes - Credit Manor Heights

55

Mattamy Homes - Mount Pleasant Village

8

Rosehaven Homes - Corporate

27

Schuit Homes - Perth Park

71

Schwarz Law LLP - Barristers & Solicitors

49

Mattamy Homes - Salisbury Square

BC

Menkes - Bloom Park Towns

6-7

Menkes - Dwell city town

6-7 Shopping Guide - Promo

Menkes - Humber Mews

106

6-7 Starlane Home Corporation - Upper Unionville

Menkes - Millstone On The Park

6-7

Menkes - Somerset

6-7

Menkes - The Enclaves of Upper Canada

6-7

Mikey - Walk of Life

52

28-29

Tarion - Award of Excellence

39

Treasure Hill Homes - Nautica at Lakeshore Woods

37

Treasure Hill Homes - Thornhill Woods

37

Monarch Corporation - Birkdale

IBC

Treasure Hill Homes - Urbantowns on Bayview

37

Monarch Corporation - Corporate

IBC

Tribute Communities - Landscapes

15

may 11 - 25, 2013 | New home guide GTA 119

fundamentallyspeaking

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

What type of home

and desires are bound to change throughout the various stages of home ownership. You might not be able to afford the home of your dreams right off the bat, but once you’re in the market, it’s easier to move up.

So, while the answer to the question – What type of home should you buy? – is specific to circumstances, there are also some common guidelines you can follow.

How much can you afford?

Experts agree it is never a good idea to make yourself housepoor, and it is a very common mistake, particularly of firsttime buyers, to buy more home than you can really afford.

Meeting with a mortgage broker or your banker will help determine your full financial picture, assessing everything from your credit rating to how much you have saved for a down payment. And with tougher mortgage rules recently taking effect, buyers should “stress-test” their plans – seeing how well you could cope with higher mortgage payments brought on by rising interest rates.

should you buy?

by Wayne Karl

What type of home should you

buy? Whether you’re a first-time buyer, moving up to a larger home or downsizing to a smaller one, the answer to this question is a very individual one. It short, it really depends on your situation – everything from the amount of your down payment to where you work to whether you have kids to other personal circumstances.

Of course, most of us would love a large house on an expansive property on a quiet cul-de-sac in the best neighbourhood. But that’s not always possible.

For your own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect the your property’s appeal, and ultimately its value.

After all, those are the qualities potential buyers look for when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people.

While experts suggest you take a longterm view when buying a home, it’s also important to not look too far down the road.

Let’s be honest, your first home may not be your dream home, and your needs 120 New home guide GTA | may 11 - 25, 2013

How much will it really cost?

Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget.

Where do you want to live?

This question is becoming more important for a number of reasons, though influenced primarily by where you work, how much of a commute you want and whether your transportation options include mass transit or only driving. Indeed, especially with gas prices on the rise, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or small town.

What type of home do you want?

Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Single-family detached, semi-detached, townhome or duplex?

Some many questions, so many choices. The good news is, home builders today are in sync with customer preferences for location and amenities, and with market realities with regard to pricing and needs for energy efficiency, so your options for new-home product have never been better.

Buy Monarch.

Be Happy.

Itâ&#x20AC;&#x2122;s never been a better time to buy a Monarch home.

Enjoy incredible buyer incentives at all of our communities and make your dreams of a new home come true today.

MONARCHGROUP.NET

It’s never been a better time to buy a Monarch home. Enjoy incredible buyer incentives

It’

at all of our communities and make your dreams of a new home come true today.

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Evergreen Townhomes

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MONARCHGROUP.NET Prices, specifi cations and promotions are subject to change without notice. Renderings are artist’s concept and images are for mood and impression only. *Square footage includes fi nished space in lower level. E.&O.E. May 2013. 21246.

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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.