GTA New Home Guide - July 20, 2013 by NextHome

July 20 - Aug 3, 2013 Volume 21 Issue 14

INSIDE THIS ISSUE

THE ROLE OF GOVERNMENT IN HOME AFFORDABILITY

NEW LOWRISE HOME SALES CONTINUE TO CLIMB

LOCATION, LOCATION AND COMMUNITY

Aspire.

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Markham Upper Cornell Northeast corner of 9th Line & Bur Oak Semis & Singles starting from the high $400’s aspenridgehomes.com or call 905.554.3446

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There are communities. And then there’s Cornell. This is where the master plan started with people, not roads, and with what today’s families need long before we designed the first home. Cornell is a place famous for its block parties, Canada Day celebrations and a sense of community built on neighbourhoods becoming friends. Our planners call the community design “new urbanism.” We simply call it wonderful.

HWY 7

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contents July 20 - aug 3, 2013

volume 21 issue 14

cover story

p. 32 menkes developments Millstone on the Park â&#x20AC;&#x201C; Oakvilleâ&#x20AC;&#x2122;s finest Urban Towns

community focus features 24 b rampton Fieldgate Homes

New release of new designs in a new location at Valleylands

48 r ichmond hill Heathwood Homes

Hampshire Mews a luxury infill collection of Urban Towns

72 brampton Empire Communities

Empire launches Lakeside in Brampton

46 42

regular and special features in every issue

4 10 58 1 18

editor’s note contributors hot dates ad index

columnists

BILD Report

The role of government in new home affordability

by Bryan Tuckey

Market research

Sales continue to climb for lowrise new homes

by Lloyd Martin & Mark Jin

tarion report

Tarion Warranty Corp. is here to help by Howard Bogach

28 the mortgage minute

Investing in real estate? Great, but don’t quit your day job by Peter Kinch

taxing issues

Deductions, deductions by Henry Choo Chong

Legally Speaking

When buying your first home, do your due diligence by Jayson Schwarz

design inspiration

Location, location and community by David Hirsh

120 fundamentally speaking

How did the new mortgage rules affect you? by Wayne Karl

homebuyers’ help

Builder perspectives

in the news

arista & fieldgate

rbc economics

Sue Webb Smith, marketing director, Geranium Homes 68 quick tips Getting started in replacing procrastination with motivation

rosehaven, homes by desantis

TD canada trust

92 style file

oskar group, ashley park homes

50 54

The challenge of an everchanging online universe insurance needs

Steps for homeowners to recover from flooding 10 minutes with...

by Hellen Buttigieg

Hardwood made easy by Yanic Simard

111 resource section

Mortgage Calculator and Rate Table

115 GTA Hot Sheet

Two pages of new openings, new releases and preview registrations

Vaughan Valley Estates launches new luxury lifestyle program Ontario’s economic growth to pick up pace in 2013 Lyon’s Creek model home grand opening a success Tips for ‘new Canadians’ to build credit An exciting event for downtown Maple!

108 geranium homes

Neighbourhood celebration of new-home owners at Verandas

editor’snote

“Get it in writing”

This rule still applies when buying a home

n a real estate market such as Toronto’s, the term “get it in writing” has never been more important. In the case of a new home purchase, your Agreement of Purchase and Sale, the contract spells out the terms between you and your developer and/or builder. Without it, if there is a misunderstanding or disagreement, it’s impossible to prove what was agreed upon. Since building a new home is more complicated than a resale transaction where a home and/or property likely already exists, there is no set Agreement of Purchase and Sale or standard contract for buying a new home. In some provinces, builders may have standard contracts prepared by the local home builders’ association or their new-home warranty program. Builders often prepare their own agreements, which can vary from one builder to another and from province to province. Before you sign a contract, review it carefully with the builder and ask questions to make sure you fully understand what’s it in. Your next step is to take it to a real estate lawyer and have it reviewed. Once it is signed it becomes a legal document, so seeking the services of an experienced lawyer is an important step toward ensuring that your dream home becomes a reality.

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

Know your builder and warranty Understand what’s covered – and what’s not

s parts of the GTA (at time of writing) are still reeling from severe rainfall, flooding and power outages, it’s the perfect time to discuss new-home warranties. You wouldn’t dream of buying a new car, TV or other big-ticket item without first inquiring about the manufacturer’s warranty, would you? When it comes to buying a new condo, you should be even more diligent. Some people may be so excited about their purchase that they’re more interested in choosing finishes than reading the fine print of a sales agreement. Or maybe they assume all builders are created equal, and that certain things are covered, when in fact they may not be. Or it might be a lack of awareness of just how new-home warranties work in Ontario. Welcome to Tarion Warranty Corp. – a non-profit company designed to protect the rights of new-home buyers and to regulate builders. With four main responsibilities – homeowner education, warranty enforcement, builder licensing, and identifying and prosecuting illegal building – it is, unfortunately, a necessary but extremely valuable body. It is also one you should get to know. President Howard Bogach explains how Tarion helps new-home buyers in his column on page 18. Just like for cars or electronic devices, all manufacturers and product are not created equal. Learning about your new-home builder and warranty is a crucial part of the homebuying process

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

4 New home guide GTA | jul 20 - aug 3, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

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

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

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

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

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

menkes.com

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MY STOREYS. MY MENKES.

NOW PREVIEWING

mattamyhomes.com

This Is A Perfect Weekend For A Front Porch.

There’s nothing like a weekend in spring. It’s a renewal with nature bursting to life all around us and people outside gardening, walking, laughing. It’s great to be back outside in the neighbourhood. And in a Mattamy community, we have homes with front porches so you can sit and say ‘hello’ to neighbours passing by, or just watch nature grow. Front porches help make our neighbourhoods nicer places to live. They allow you to have neighbours stop by for a chat. They provide a nice place to sit and read a book during a gentle spring rainfall. They make our homes more interesting and inviting. If you don’t have front porches where you live, stop by a Mattamy community this weekend, go for a stroll and say ‘hello’. 8 New home guide GTA | jul 20 - aug 3, 2013

%5$03721

Bovaird Dr./Hwy.7

Townhomes From $305,990 • Detached Homes From $354,990

Bovaird Dr./Hwy.7

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Townhomes From $313,990

McLaughlin Rd. S.

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Detached Homes From $289,990

Trafalgar To QEW

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Low-Rise Condos From $219,990

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Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm /,.( 86 21 )$&(%22. ZZZ IDFHERRN FRP PDWWDP\KRPHV*7$

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

vice-president, wall2wall Media

Jacqueline Hill

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

New home guide

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

Bianca DiPietro contributing Editors

Sara Duck, Elisa Krovblit Lydia McNutt editorial intern

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

Legally Speaking

Henry Choo Chong,

Jayson Schwarz, Schwarz Law -

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

Barristers and Solicitors

CGA

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

the mortgage minute

Peter Kinch Peter is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

Tal Klachook

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

Sandra Hanak-Vujnovic Mike Terentiev National Account Manager, Mediative

Paul Slizys

Published by

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

#500-401 The West Mall Etobicoke, ON M9C 5J5 market research

Lloyd Martin Lloyd Martin is principal with Trimart Research Corp., with 30 years in the business. His industry knowledge and professional experience leads the Trimart team to provide exceptional service and sales results. He can be reached at 905.660.7788

market research

Mark Jin Mark Jin is market research manager at Trimart Research Corp. He can be reached at 905.660.7788 or mark@trimart.ca

design inspiration

David Hirsh David Hirsh is President and CEO of Brandy Lane Corp. Hirsh prides himself on his hands-on approach to all stages of the development and building process. The company’s newest community is Wyldewood Cove, coming soon to Collingwood. Visit brandylanehomes.com

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.

newhomeguide.ca T 416.626.4200 F 416.784.5867 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

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 | jul 20 - aug 3, 2013

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12 New home guide GTA | jul 20 - aug 3, 2013

jul 20 - aug 3, 2013 | New home guide GTA 13

bildreport

Government plays a part in

new home affordability by Bryan Tuckey

I’ve been talking a lot about affordability of new homes in the GTA, development charges and municipal accountability lately. So I was interested to read the timely report called, Big City Spenders, recently released by the Canadian Federation of Independent Business (CFIB). It analyzes municipal spending trends with a focus on Toronto, Vancouver and Montreal and challenges the assertion that municipalities don’t have enough revenue to provide essential services. Interestingly, the report provides evidence that operating spending has increased consistently to match inflation, as opposed to population and that “spending is far outpacing inflation and population growth.” In Toronto, where spending adjusted for inflation increased by 40 per cent between 2000 and 2011, the population only grew by eight per cent, according to the report. When reading, the question came to mind: where is the money being spent? According to the research, more than half of the Toronto’s operating spending is on employee wages, salaries and benefits every year and it wasn’t much different in Vancouver and Montreal. I agree with the report’s conclusion that it’s time to change the conversation from being about cash-strapped municipalities facing an infrastructure deficit to focusing on what is driving spending. I know our industry and new homeowners do their fair share to contribute to municipal, provincial and federal coffers. We estimate that in 2012 alone, the industry and new-home buyers contributed more than $1 billion toward the construction of growth-related infrastructure like sewers, roads and transit in the GTA through development charges paid to municipalities. In fact, we recently commissioned and released a report looking at the impact of a variety of government charges and fees on the affordability of a new home in the GTA. We looked at six municipalities and found that on average, more than one-fifth the cost of a new home goes to government through a variety of fees and charges such as development charges, parkland fees and taxes. In dollars, the average adds up to $118,400 on a new single-detached home and for a new highrise home, it’s roughly $64,400. Over the last decade, about 400,000 new homes have been purchased across the GTA – the government revenue generated is in the billions. Here’s why I think both of these reports really deserve some of your attention right now: municipalities are looking at how they are going to pay for critical 14 New home guide GTA | jul 20 - aug 3, 2013

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).

infrastructure like roads, bridges, sewers and public services, that will be used by not only new residents, but existing residents as well. It’s time for municipalities and all levels of government to look at both sides of the ledger because we believe increases to development charges and other government fees on the cost of a new home is not a sustainable revenue generator.

Here’s why I think both of these reports really deserve some of your attention right now: municipalities are looking at how they are going to pay for critical infrastructure like roads, bridges, sewers and public services, that will be used by not only new residents, but existing residents as well.

marketresearch

Sales continue to climb for

lowrise new homes by Lloyd Martin & Mark Jin

Lloyd Martin is principal with Trimart Corp., with 30 years in the business. His industry knowledge and professional experience leads the Trimart team to provide exceptional service and sales results. He can be reached at 905.820.6711

Mark Jin is market research manager at Trimart Research Corp. He can be reached at 905.820.6711 or mark@trimart.ca

(Hazelton Place). These sites have achieved top start of busiest period for new home sales, is shaping up to be a regional sales with their successful openings great success. The upward sales trend which commenced in January and continue to attract buyers with affordabilhas achieved 40.8 per cent of the Annual Trimart Forecast. ity and great location. As of May, Total Market Area (TMA) sales were up 2.1 per The strong sales surge will continue with 30 cent compared to April 2013, achieving 1,847 new home sales for new openings scheduled throughout the market the month. This is the highest monthly sales recorded so far this this summer, which will continue to stimulate year, and fifth consecutive month that the lowrise new home sales sales in the coming months. realized an increase in sales compared to the previous month. The achievement we see in new home sales doesnâ&#x20AC;&#x2122;t stop here; MONTHLY SALES - 2013 Canadian housing starts jumped 13.8 per cent to a seven-month high of 200,200 annualized units in May 2013 from the up2000 wardly revised 175,900 in April. The monthly surge in homebuild1800 ing in May, which was much stronger than market expectations, 1600 reflected increases among all components led by a sizable increase in the urban multiple-unit starts (up 22.2 per cent to 114,300). 1400 The comparatively stable urban single-unit starts saw a modest 1200 increase in the month (up 3.0 per cent to 62,900). 1000 In contrast to the same month last year, Total Market Area 800 sales saw a 15.3-per-cent decrease. However, the West and GTR regions showed sales gains of 31.8 per cent and 53.7 per cent, 600 respectively. As for the previous month comparison, the North 400 and GTR regions showed sales gains of 19.1 per cent and 18.6 per 200 cent, respectively. This was heavily influenced by many new open0 ings in Unionville (North) and Guelph (GTR). As of May 2013, TMA realized over 7,360 YTD sales. Despite a decline in invenJAN FEB MAR APR MAY tory of 3.5 per cent compared to the previous month, the total inventory remains above the 11,000 mark for the fourth month in a row and 11.5 per cent higher than same month last year. Total Market Area Sales for the last five The trend in the GTA to urban intensification combined months demonstrates a strong upward trend. strongly with the buyersâ&#x20AC;&#x2122; preference for homeownership. The May sales marks the highest new home sales urban townhome product is gaining in stature, design and con- so far for the year and will continue to show sumer acceptance, with examples such as the Royalpark Home strength with inventory levels maintaining in Toronto (Baker Street), Your Home Development in Brampton above the 11,000 mark and new openings (Howden Woods) and the Daniels First Home in Mississauga rapidly increasing. NEW HOME SALES

This yearâ&#x20AC;&#x2122;s spring season, traditionally the

16 New home guide GTA | jul 20 - aug 3, 2013

jul 20 - aug 3, 2013 | New home guide GTA 17

tarionreport

Tarion Warranty Corp. is here to help by howard bogach

What if after moving into your new home, you one day discovered that it, along with 20 of your neighbours’ homes, had sunk a half foot into the ground? Imagine placing a deposit on your dream home only to have the builder close up shop without so much as breaking ground. When you buy a new home in Ontario, you can turn to Tarion for help. Tarion staff recently traveled to Southwestern Ontario to meet with a group of residents affected by the recent closure of a builder. In some cases, Tarion will be assuming the warranty for homes already built. In others, buyers of unfinished homes will be making claims to Tarion for financial losses associated with the deposit given to the builder. The other case I referred to was a very complicated situation where Tarion worked with 21 homeowners to raise and repair the sunken homes, while relocating residents for up to two months at a time. In both of these situations, Tarion stepped in to help the homeowners because their builders weren’t able or willing to do so. That is, after all, what we’re here for. Tarion’s role is to backstop the builders’ warranty. Most homeowners have little interaction with Tarion aside from submitting their warranty forms or asking questions about coverage, because they are able to work directly with their builders to resolve their issues. The warranty was designed this way – to set out construction performance and customer service standards that builders must follow. But when something does go wrong along the way, Tarion is there to help. When a homeowner contacts Tarion to make a warranty claim, our process typically involves working with them and their builder to see if we can help them find a resolution. In situations where a builder is unwilling

18 New home guide GTA | jul 20 - aug 3, 2013

or unable to address an issue that falls under the statutory warranty, we work directly with the homeowner to resolve the matter. This may mean making repairs to warranted items, hiring experts to find a solution to a very complex problem, or paying out claims for deposits given to a builder who is not able to deliver on his promise to build a home. First and foremost, our goal is always to ensure that homeowners receive the warranty protection they are entitled to, regardless of whether the builder is able or willing to honour the warranty. We are able to protect homeowners because Tarion maintains a strong guarantee fund, which is used to pay out claims. Similar to the way an insurance company operates, we follow recognized accounting and actuarial standards for the insurance industry to ensure we have sufficient resources to meet claims as they arise. Over the years, we’ve worked to provide more protection for homebuyers and better regulation for the industry. We’ve raised the warranty’s liability cap from $100,000 to $300,000, expanded the delayed occupancy warranty, added unauthorized substitution coverage and created many consumer friendly improvements over the years including the MyHome portal. We’ve also introduced an independent Ombudsperson’s Office. What started out, 36 years ago, as a simple warranty for construction is now a very robust warranty that covers homeowners from the time they sign a purchase agreement until seven years from when they take possession. We continue to look for ways to better serve homeowners and provide the most comprehensive new home warranty protection in Canada.

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416.746.1234 s nationalhomes.com ALSO COMING SOON TO NEWMARKET AND ETOBICOKE NOW OPEN! TORONTO - The Churchill Collection in Forest Hill - At Spadina & St. Clair with views of Winston Churchill Park and the city skyline Executive Towns from $1.39M to the $1.7M’s* Visit ChurchillCollection.ca or call 416-922-1414 *Prices and specifications subject to change without notice. ** Limited lots available. E.&O.E. Pottery barn is a registered trademark of Williams-Sonoma, Inc. Pottery Barn is not a sponsor of this promotion, and is not affiliated with National Homes. jul 20 - aug 3, 2013 | New home guide GTA 19

builderperspectives

The challenge of an ever-changing

Online universe

As Geranium Homes’ marketing director,

it’s my job to ensure we employ all of the available marketing and research techniques and new technologies to secure our position in the new home marketplace. Over the past five years, we’ve strived to continuously expand and refresh our online presence. Working with Digital Front Technologies (digitalfront.ca), our web savvy consultants assist us by recommending and implementing a variety of SEO (search engine optimization) and marketing strategies, now expanded to include social media, blogs and e-marketing. The time and energy we invest in establishing and managing an online presence has definitely paid off – for example, in 2012, we know that 66 per cent of our total number of homebuyers first registered online. And a growing number of those registrants found us through web links and searches. Digital Front owner, David Kastelic, is my daily contact person and he has recently spearheaded a refresh of our website – geraniumhomes.com. This came about in part because of the growth in the number of people using mobile devices to access the Internet. David says “It is essential that website usability does not limit itself to traditional computers. As much as possible, the same information and services must be available to users regardless of the device they are using. “Responsive web design and development is a game changer,” he further explains. “It is important to regularly review and update a website to ensure that it can adapt to different mobile viewport devices to prevent the loss of prospective clients. This practice is beneficial to both the client and developer. It effectively handles fragmentation issues from different types of platforms, devices and frameworks. From 2011 to 2012, we’ve 20 New home guide GTA | jul 20 - aug 3, 2013

recorded a 50 per cent increase in site visits by people using various mobile devices.” One of the key tools we employ is SEO. Whereas traditional advertising combines television, radio, print, signage and direct mail to grab the consumer’s attention and direct them to a product or service, on the web businesses rely on search engines. “Ensuring a website gets listed to the leading search engines is done through SEO. Optimizing a website according to search engine standards will warrant a favourable SE ranking, which makes the website ‘easy to find.’ This results in greater brand recognition,” adds Kastelic. Of course, Geranium not only has a website but maintains a very active social media presence which contributes to a healthy and engaged database. These work hand-in-hand. As Kastelic says, “Websites provide the opportunity to know precisely the kind of people interacting with your brand, and create an opportunity for engagement. However, we can’t identify just who each individual is, nor can we reach out and make their experience more valuable, personal and exciting. This is where social media comes in. It helps to build an ongoing relationship between your brand and your potential customers with a deeper level of trust and commitment. While each has a different purpose, they have one common goal – that is to convert more users to customers.” The notable and ongoing rise in traffic to Geranium’s website is a strong indication of our continued success in a thriving, ever changing online universe. 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.

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RICHARD WENGLE I SAMANTHA FARJO Limited quantities available to qualified purchasers. Information correct at press deadline. Some lots may have premiums. All illustrations reflect artistâ&#x20AC;&#x2122;s impression. E.O.& E. Ask a sales representative for details.

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jul 20 - aug 3, 2013 | New home guide GTA 21

Geranium Homes

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Luxury Singles on 38â&#x20AC;&#x2122; & 42â&#x20AC;&#x2122; Lots Up to 3,377 sq. ft. from

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communityfocus

fieldgate homes

Valleylands

The Dufferin’s breathtaking front elevation of brick and stone contributes to the luxurious atmosphere of this exceptional family home.

NEW RELEASE New designs in a new location at

Valleylands in Brampton location South Brampton housing type Townhomes from $385,990; 28-ft. linked singles from $399,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $525,990; bonus packages available for each housing type contact 905.457.0445 fieldgatehomes.com

24 New home guide GTA | january jul 20 - aug 5 - 19, 3, 2013 2013

hen driving along Chinguacousy Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community. It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy. The southwest corner of Queen St. West and Chinguacousy Rd. is the site of the all-new location for this latest release at Valleylands. This new release features new designs in 28-ft. linked singles that range from 1,657 to 1,915 sq. ft., 38-ft. singles that range from 2,010 to 2,662 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft. These latest offerings are in addition to the exceptional collection of townhomes and 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With t o w n s s t a r t i n g f r o m $3 85, 9 9 0 , l i n k e d s i n g l e s f r o m $399,990 and singles starting from $525,990, and with 70-ft. designs up to 4,331 sq. ft., there’s a home for everyone at Valleylands. One of the many popular designs currently available at Valleylands is the breathtaking 3,008-sq.-ft. Dufferin Elevation B. This classic-yet-contemporary two-storey, four-bedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows C O N T I N U E D on p a g e 2 6 . . .

jul 20 - aug 3, 2013 | New home guide GTA 25

communityfocus |

CONTINUED

Homebuyers love the Dufferin’s conveniently located sunken main-floor laundry room and lavish master suite.

and charming dormers. One enters the home to discover a spacious front foyer, followed immediately by a cozy library. Further down the hall is the large open-concept living/ dining room with coffered ceiling. Across from the living/ dining room, the home’s staircase offers easy access to a sunken main floor powder room and laundry room. Further down the main hallway, one enters into a sizable family room complete with a gas fireplace. Across from the family room, the kitchen and breakfast area offers a kitchen island and ample counter space, creating the perfect space for the family to gather for a home cooked meal. Upstairs, the elegant master suite features two walk-in closets, tray ceilings, an intimate master retreat and a lavish ensuite complete with oval soaker tub, his and hers sinks and separate glass shower. Bedroom two enjoys its own private ensuite and bedrooms three and four share a stylishly appointed ensuite. The Dufferin is priced from $645,990. For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within 26 New home guide GTA | jul 20 - aug 3, 2013

One of the many popular designs currently available at Valleylands is the breathtaking 3,008-sq.ft. Dufferin Elevation B. This classic-yetcontemporary twostorey, four-bedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows and charming dormers.

a short distance. And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze. Wellregarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away. In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away. With more than 55 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floor plan designs. For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com

. g in v li rt a t S . g in h rc a e s p Sto

MODEL HOMES

GRAND OPENING OF MODEL HOMES IN MISSISSAUGAâ&#x20AC;&#x2122;S NEWEST COMMUNITY

Semis and Freehold Towns Starting from $498,900* up to 2,300 sq.ft.

www.churchillwoods.ca *Limited quantities available in some price ranges to qualified purchasers. Prices & information correct at press time. Map not to scale. Some lots may have premiums. All illustrations reflect artist impression E.O. & E. Conditions may apply. Ask a sales rep. for details.

themortgageminute

Investing in real estate? Great – but don’t quit your day job

Peter Kinch is an award-winning mortgage broker and best-selling author of The Canadian Real Estate Action Plan Visit peterkinch.com or contact him at peter@peterkinch.com

by peter kinch an investor could be forgiven for taking real estate market over the past four years. The government has warned on a negative attitude, but the reality is us on numerous occasions not to get overburdened with “cheap” debt. now, more than ever, that it’s time for The continued low rate environment encourages homeowners to access perspective. Investors should take a step more equity and allows the housing market to grow. back; it wasn’t that long ago that programs Around January, the government has grown concerned about an for the self-employed were limited and overheated housing market and begins turning up the volume on calls buying rental properties had a variety for consumer restraint. By March, the federal finance minister decides of restrictions. to tighten mortgage rules to avert an over-heated housing market. IronBy 2006, in Canada, we saw amortizaically, this action triggers an early start to the spring market as home tions shoot from 25 to 40 years. The buyers adapt a “Get in while you can” mentality and rush to make pur- minimum down payment on a rental propchases before the new rules take effect. erty went from 25 per cent to zero. SelfThe result has been a prolonged period of low rates as central bankers employed borrowers needed only to state around the globe look for ways to stimulate their economies. their income and as long as the cash flow What does this mean for real estate investors? When the government on a rental property was positive, they could looks at tinkering with mortgage rules, they tend to target the “fringe” still get a mortgage with little or no money players in the market – those deemed to be the highest risk of default: down at fully discounted rates. And alinvestors and self-employed borrowers. though many still lament the loss of these With all the changes that have taken place over the past four years, programs, it is important to remember, that is was these reckless lending practices (particularly in the US) that eventually led to the subprime crisis and the subsequent global credit crisis that followed. So it should come as no surprise that Canadian banks want to return to conservative roots and reign in lending deemed to be “risky” in nature. However, this again is where a little perspective is important. When an elastic band is stretched, it can never go back to its original form. Like the elastic band, Canadian banks are retrenching from their fully stretched days of 2007, but they are not reverting all the way back to where they were in the 1990s. If a real estate investor looks at the marketplace over a 10- to 15-year perspective, then today’s banking environment for real estate investors is more relaxed than it was 15 years ago. At the end of the day, the secret it simply to understand which sandbox you’re playing in. There has been a predictable trend in the Canadian

28 New home guide GTA | jul 20 - aug 3, 2013

CURRENT COMMUNITIES CHIPPAWA/NIAGARA 50’ Singles & 35’ WIDE Bungalow Loft Townes from the low $300’s Sodom Rd. & Mann St. 5 MODELS NOW OPEN.

THOROLD 45’, 40’, 36’ Singles, Semis, Attached Singles & Towns from the $240’s Move in this Summer on Select Towns & Attached Singles Richmond St. & Winterberry Blvd. 8 MODELS OPEN

BRAMPTON 41’, 38’ & 30’ Singles, 25’ Attached Singles & 20’ Towns from the $380’s Mississauga Rd., North of Bovaird Rd.

PLATINUM COLLECTION OAKVILLE 36 Majestic Suites from 1,800 sq.ft to over 3,000 sq.ft. from $1.8M Reynolds St. & Randall St. MODEL SALES SUITE OPEN

KLEINBURG 60’ to 70’ Estate Singles from 3,700 sq.ft. to over 5,600 sq.ft. move in from $1.4M Located in the Heart of the Village Highway 27 & Islington Ave.

COMING SOON STONEY CREEK 40’ & 35’ Singles and Semis Mud St. & Upper Centennial Pkwy COMING EARLY 2014

ANCASTER - PHASE II 45’ Singles and Introducing Freehold Towns Garner Rd. & Raymond Rd. COMING EARLY FALL 2013 Register today at Tiffanyhill.ca

Call our hotline or visit us online for complete directions, hours, community information for all our projects:

rosehavenhomes.com (1-888 / 416) 410-0175

Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands except for Kleinburg & Randall pricing.

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*Beat The Heat applies to new firm deals dated between July 12th and August 31st, 2013. Cannot be used with any other promotion. Specifications are subject to change without notice. Available on specific lots only. No cash value. See sales representatives for details. Renderings are artist's concept. E & O.E.

coverstory

Millstone on the park

Oakvilleâ&#x20AC;&#x2122;s finest

Urban Towns with rooftop terraces location Oakville housing type Single-storey towns with patio or balcony and two-storey towns with rooftop terraces sales centre South side of Dundas Street West, just west of Postmaster Drive and east of Bronte Road, open Monday to Thursday from 1 to 8 p.m. and weekends and holidays from 11 a.m. to 6 p.m.; closed on Fridays contact 905.825.3619 | millstonepark.ca

32 New home guide GTA | jul 20 - aug 3, 2013

he Millstone on the Park community in Oakville has an exciting new release of Urban Townhomes with rooftop terraces. The Urban Collection features single-storey towns with a patio or balcony and two-storey towns with breathtaking rooftop terraces. These homes range from 859 sq. ft. to 995 sq. ft. Priced from $309,990, these stylish townhomes provide an ideal price point for people entering the real estate market for the first time. This exquisite release of stylish urban townhomes represents the artful completion of the very popular and well-situated Millstone on the Park neighbourhood. Esteemed builders Menkes Developments and Fernbrook Homes are pleased to announce the Final Phase at this beloved Oakville community with the release of the all-new Urban Town Collection. Located in the western half of the community and only a short stroll from the park, these sleek urban towns are perfect for families who are looking for affordable housing in a prime Oakville location. With the Urban Town Collection, these awardwinning builders offer the best of all worlds â&#x20AC;&#x201C; an unbeatable location, elegant homes and exceptional value.

MENKES DEVELOPMENTS & FERNBROOK HOMES

Complementing the distinctive single-family home streetscapes that are the defining feature of this established community, Millstone’s new urban towns feature an attractive blend of designs with distinctive English or French architectural flair, contributing to the air of timeless sophistication that already permeates the neighbourhood. These refined townhomes all offer a wide array of impressive features such as stylish kitchens, open-concept Great Rooms with quality laminate flooring, serene bathrooms and spacious master suites. As a special bonus, purchasers will also receive four kitchen appliances, stackable washer/dryer and central air-conditioning. Act now to take advantage of the special bonus of a free locker and two years free maintenance being offered during the Grand Opening!

Millstone on the Park is ideally located to take advantage of the many conveniences of Oakville and the surrounding area. Numerous public and Catholic elementary and secondary schools are easily accessible from the community. There’s also easy access to shopping at Bronte Village Mall, Oakville Town Centre and the Abbey Plaza. Bronte Creek Provincial Park is just minutes away, and major golf courses such as Deerfield, Saw-Whet and Richview are also nearby. Millstone on the Park also makes it easy to get around, with convenient access to public and GO transit as well as Hwys. 407, 403 and the QEW. Millstone on the Park is built by Menkes Developments and Fernbrook Homes – two of the GTA’s most successful and respected builders. Menkes’ most recent family communities include The Enclaves of Upper Canada in Georgetown, Bloom Park Towns in North York, The Chateaus in the Highlands of Castlemore in Brampton, Walker Farm Estates in Newmarket and Somerset in Ajax, to name a few. Distinctive Fernbrook communities include Fontainbleu in Richmond Hill, The Chateaus in the Highlands of Castlemore and Stonecastle in Brampton, Joshua Creek & Bronte Creek in Oakville and more. Don’t miss the chance to live in a well-designed urban townhome at Millstone on the Park. Visit the Millstone on the Park presentation centre located on the south side of Dundas Street West, just west of Postmaster Drive and east of Bronte Road. The sales office is open Monday to Thursday from 1 to 8 p.m. and weekends and holidays from 11 a.m. to 6 p.m.; closed on Fridays. For more information, call 905.825.3619 or visit millstonepark.ca

jul 20 - aug 3, 2013 | New home guide GTA 33

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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34 New home guide GTA | jul 20 - aug 3, 2013

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Open Monday to Thursday from 1 to 8 p.m.; Friday by appointment only; Weekends and Holidays from 11 a.m. to 6 p.m. Renderings are artist’s concept.* Specifications are subject to change without notice. E. & O. E. See Sales Representative for details.

taxingissues

Deductions, deductions by Henry Choo Chong

Last year, my wife and I welcomed her elderly parents into our home. They lived in north Simcoe and we are in Richmond Hill. They loved their home; unfortunately they can no longer maintain it on their own. We can financially and physically help them in their senior years. Can we deduct the money we give them for living expenses? Where and how on our tax return? Ron and Beth, Richmond Hill

The Baby Boomer generation may have to put condo living on hold for several years. Many boomers have the financial responsibility of not just university kids but aging parents too. Our generation (myself included) is blessed with having the people most close to us at home – children and parents. Unfortunately, neither Ottawa nor Ontario provide a deduction for your financial assistance. However, they do provide a “caregiver” tax credit. You may qualify to claim a $4,223 federal tax credit and a similar provincial amount. This will reduce your federal and provincial income taxes by $633 and $210 respectively. You should note, parents must be at least 65 years old and mentally or physically dependant on adult children.

My kids attend pre-school and elementary private institutions. The cost is astronomical but my wife and I believe it is best for our kids. How much of the tuition may I deduct and how? Wong, Markham

Generally, private school tuition is not tax deductible. An attempt was made several years past to deduct private school tuition; however it was politically unpopular and was reversed the following year.

Henry Choo Chong, CGA provides accounting and tax services to individuals and businesses in the GTA. He can be reached at 416.485.5225. Any questions to Taxing Issues should be e-mailed to choochonghcga@yahoo.ca

Fees to education institutions may be deductible as childcare and claimed by the lower income spouse. A receipt must be provided by the school for the portion of the fees that are considered “childcare.” Additionally, depending if there is some religious affiliation, part of the fees may be allocated as a charitable donation. Again, the institution must provide receipts and qualify for charitable status.

I recently sold a real estate investment property. How much income tax will I pay? I calculated I made approximately $80,000. Karim, Mississauga

Generally, real estate that is sold for more than its cost may result in a capital gain for the individual. Fifty per cent of the gain must be included in your income tax return in the year of sale. Using your figures and assuming you have other income, such as from employment, we can use a 40-per-cent tax rate. Therefore, the $80,000 capital gain is reported. Forty thousand (50 per cent of the gain) must be included in income. This is taxed at 40 per cent. Your tax obligation on the gain is $16,000 (40,000 x 40 per cent) to Canada Revenue Agency. Consult your accountant/tax advisor before committing to pay any income taxes.

The opinions and views expressed herein are those of the author and not those of New Home Guide. New Home Guide does not necessarily endorse or encourage any specific tax strategies. Please consult a tax professional for advice specific to your particular situation. 36 New home guide GTA | jul 20 - aug 3, 2013

Luxury Living in Prestigious Unionville. Visit Upper Unionville this weekend and see the master planned community made for families. Kids are minutes from school and the park. You’re minutes from golfing, shopping or strolling on Main Street Unionville. This is your chance to live in the truly great location in prestigious Unionville.

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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. 06-13.

jul 20 - aug 3, 2013 | New home guide GTA 39

inthenews

COMMUNITY barbecue LAUNCHES NEW LUXURY LIFESTYLE PROGRAM AT

Vaughan Valley Estates On Saturday, July 6, new-home bu y ers

from across the GTA were invited to Vaughan Valley Estates for a complimentary barbecue and the kick-off of an exciting new bonus program. The event allowed existing owners to meet and mingle with their neighbours, and for prospective purchasers to tour the four fabulous model homes, each appointed with the inspired décor choices of one of two award-winning interior designers. Those attending were also able to take advantage of the special bonus incentive being offered through the builders’ new Luxury Lifestyle Program – with up to $40,000 in free superior upgrades available to those who purchased that weekend. More than 300 families already reside in the coveted Woodbridge community, and another 60 purchasers bought at the recent release of Phase 2. Between its two builders, Arista Homes and Fieldgate Homes, Vaughan Valley Estates now offers the discerning purchaser a stunning selection of luxury 41-, 50-, 60- and 80-ft. estateinspired homes, priced from $769,990. With a wide range of distinguished exterior elevations, all are appointed within with the most luxurious features and finishes, and crafted with the meticulously high standards that homebuyers have come to expect from both Arista and Fieldgate. 40 New home guide GTA | jul 20 - aug 3, 2013

Bordered by the ultra-exclusive Greenbrook Estates community and a 30-acre nature reserve, Vaughan Valley Estates is conveniently located close to both Hwy. 400 and the 407. Also situated nearby are major retailers, including Vaughan Mills and the Power Centre, and an abundance of excellent restaurants, cafés, community centres and schools. Details about the community can be found at vaughanvalleyestates.com

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legallyspeaking

When buying your first home,

do your due diligence

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.

by Jayson Schwarz Purchasing your first home will likely be the largest

investment you ever make. Think about that... Why, you ask? The answer is that in my 35 years of practicing law, I have seen young couples spend more time researching a new telephone than a new home! The most important advice I can give, and if you take anything from this article, it is this: research everything ahead of time, such as prospective builders, areas, amenities, property taxes, lawyers, your financial ability, zoning, bylaws and neighbours. And don’t allow yourself to be pressured by anyone. What can you afford?

Review your available cash for deposit and annual income to pay a mortgage and expenses. Once you have done that, speak to the mortgage specialists at the bank you deal with and speak to a reputable mortgage broker. Companies such as the Mortgage Centre in Mississauga and Mortgage Providers in Toronto have the experience and integrity to get you the best deal. Find out how much money you can borrow and how much of a deposit you’ll need to put down. This will allow you to focus on homes you can afford. Get a pre-approval in writing so you have something to rely on, because especially today, it is critical that you do not get caught up in the rush of buying a house that is beyond your budget.

will sign and what is to be included in the offer. It is important that your lawyer explains all the potential costs you will face and what you may encounter. Ensure that you arrange a pre-agreed fee with the solicitor. Get the fees locked in. The fee to close a standard resale home or condominium priced less than $500,000 should be somewhere between $800 and $900, plus HST and disbursements. This may vary in special circumstances. Also, make sure you get a free offer review. Then have your lawyer provide you a list of disbursements – those monies expended on your behalf necessary to properly search and close the transaction. This is where some lawyers may try to charge large fax, mail and photocopy fees. Make your lawyer justify all expenditures that don’t make sense. Miscellaneous

Do you want a condo or a freehold?

Condo living provides a carefree lifestyle – someone else cuts the grass and shovels the snow – but you pay additional monthly common expenses and sometimes others determine how the amenities, if not your unit itself, can be used. Freehold provides the freedom to do what you want, but maintenance and upkeep fall on your shoulders. The choices are boundless. Once you determine what kind of home you want, you need to decide new or resale. If new, the offers are long and filled with clauses that could cost you money or result in long delays. Be sure to see an experienced real estate lawyer familiar with these kinds of agreements before it is final and no longer conditional. Research the builder and go to other sites the company has done and ask people about quality and after-sales service. Find the right lawyer

A lawyer must advise you at the time you make your offer, to guide you in understanding the offer (Agreement of Purchase and Sale). The right lawyer will explain how real estate agents work, what documents you 44 New home guide GTA | jul 20 - aug 3, 2013

Do you have a will? If you do, is it up to date and does it represent your current situation and state of affairs? A will prevents sibling disputes, clarifies who will look after children, keeps the government out of your affairs, allows for an orderly disposition of everything from possessions to your realty, stocks and bonds, and will help guide your funeral arrangements. You will also need insurance for the home. This is the right time to look at life and disability insurance, to determine if you should be insuring your mortgage in case something happens to the major wage-earner. As you can see, there is a lot to consider when buying your first home. Being prepared will help you enjoy the experience and find that dream home.

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

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BRAMPTON

toronto

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

1984 Yonge St.,Toronto, Ontario M4S 1Z7

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. jul 20 - aug 3, 2013 | New home guide GTA 45

inthenews

Ontario’s economic growth to pick up the pace in 2013: RBC Economics Ontario’s economic growth is expected

to improve this year and next, due to employment gains, improving trade performance and still-strong housing construction at the start of 2013, according to the latest RBC Economics Provincial Outlook. RBC anticipates real GDP growth of 1.7 per cent in 2013 and 2.8 per cent in 2014, both up from 1.5 per cent in 2012. Ontario’s growth was re-energized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress. “We saw a jaw-dropping 51,000 surge in employment gains in May as well as year-to-date annual job growth jumping to 2.0 per cent, more than double the increase in 2012,” says Craig Wright, senior vice-president and chief economist, RBC. “These encouraging developments should go a long way in convincing skeptics that Ontario’s economic engine has restarted.” On the external trade front, RBC notes that in the first four months of 2013, exports grew 0.5 per cent,

Ontario’s growth was re-energized in the early stages of 2013 after stalling in the second half of 2012. RBC indicates that Ontario’s international trade deficit decreased slightly, bucking the decade-long deteriorating trend and reducing its drag on economic growth, and the jobs market experienced significant progress. 46 New home guide GTA | jul 20 - aug 3, 2013

despite momentary fatigue in motor vehicles and parts – Ontario’s top exports – which last year recorded a significant 17-per-cent increase. With U.S. auto sales in the midst of a solid recovery, RBC anticipates there is scope for further gains in auto sector exports. “Generally speaking, the U.S. economy is on an uptick, which bodes well for Ontario’s economy. We expect U.S. demand for the province’s goods and services to improve in the period ahead,” says Wright. In early 2013, the number of homes (or, more specifically, condos) under construction in Ontario were near 30-year highs, and residential investment remained a factor adding to growth. Nonetheless, RBC expects residential construction activity to slow later this year as sales and starts decline and homes under construction are completed. “While we anticipate slowing residential construction activity will leave a hole in the province’s economic accounts, strong investment in non-residential structures and infrastructures will more than fill it up,” says Wright.

communityfocus

HAMPSHIRE MEWS in Richmond Hill Luxury infill collection of Urban Towns

eathwood Homes is now previewing at Hampshire Mews in Richmond Hill, an exclusive enclave of Urban Towns and townhomes in the amenity-rich area of Yonge Street, just north of Elgin Mills. There are only 60 homes available, and considering their location, luxury and value, they are bound to sell quickly. It’s the perfect place to be “home at last” in Richmond Hill. Even better, you don’t have to wait for your neighbours to arrive. They and all the amenities are here now, just waiting for you. Graced with the natural attribute of the scenic Oak Ridges Moraine, Richmond Hill is home to fine schools, parks, golf courses and recreational facilities, many in the immediate vicinity of Hampshire Mews. Homeowners can walk to the grocery store, movie theatres, coffee shops, and there is public transit literally at the doorstep. Within a few minutes’ drive, residents can be at the Richmond Hill Centre for the Performing Arts, York Central Hospital, Seneca College, and a fantastic variety of other facilities. Commuters have easy access to York Region transit, VIVA and GO Transit, and Hwys. 404, 400 and 407 are just minutes away. 48 New home guide GTA | jul 20 - aug 3, 2013

The space-maximizing interior layouts and luxurious features combine to offer “inspired designs for modern living.” The Hampshire Mews community features a landscaped central amenity area for relaxing and enjoying the outdoors. In this remarkable setting, Heathwood’s captivating brick and stone exteriors, with architectural highlights such as arched and accent windows, keystones and peaked gables, look simply stunning. The space-maximizing interior layouts and luxurious features combine to offer “inspired designs for modern living.” In addition, each Urban Town carries with it Heathwood’s “Hi Advantage” program. With the “Hi Advantage,” each Heathwood buyer will receive even more luxury features including elegant oak pickets and handrail in a natural finish, granite kitchen countertops, central air conditioning, up to nine-ft. ceiling heights, imported ceramic floor tiles up to

Heathwood homes

Hampshire Mews

13-by-13-in. in size, and stainless steel kitchen appliances. At Hampshire Mews, Heathwood is introducing its brand new “Green Home Energy Program.” The “Green Home Energy Program” is a comprehensive program of conservation, efficiency and sustainability that saves energy and water, and helps the environment. In addition to helping preserve the earth’s finite natural resources and being the right thing to do, the program also saves homeowners money on their household utility bills. Among the highlights are low-flow faucets/showerheads and dual flush toilets for reduced water consumption, and energy efficient LED and fluorescent lighting. Further, each home is packed with additional insulation, including insulated garage doors and a very efficient home heating/cooling system to ensure that on the warmest or coldest of days, you are very comfortable in your home. The combination of location, spectacular home designs and luxurious appointments makes Hampshire Mews the perfect choice in Richmond Hill. Choices at Hampshire Mews range in size from 1,037 to 1,475 sq. ft., and are priced from the low-$400,000s. Heathwood Homes has been bringing communities to life for more than 40 years. The company has built some of the finest new home neighbourhoods across the GTA and beyond, and has earned a reputation as a builder with a difference.

location Richmond Hill housing type Urban towns and townhomes sales centre Corner of Yonge Street and 19th Avenue

The new Richmond Hill community is an exceptional residential opportunity previewing now at the corner of Yonge Street and 19th Avenue in Richmond Hill. For more information, visit heathwood.com

contact heathwood.com

jul 20 - aug 3, 2013 | New home guide GTA 49

insuranceneeds

Steps for homeowners to recover from floodING

As floodwaters recede in parts of the GTA

after the recent record rainfall, the long process of recovery and repair begins. The cost of the damages will be borne by: » Municipal, provincial and federal governments; » Insurance and reinsurance companies; and » Individual businesses and residents. At this point, the proportion of damages each party will incur is unclear. Understandably, this is particularly unsettling for individual businesses and residents. What’s more, many businesses and residents are struggling to understand what insurance policies cover. That’s because each class of insurance treats flood damage differently. Protection against flood damage can be added to most commercial insurance policies purchased by businesses, condo corporations and farms. Similarly, protection against flood damage is typically included in the comprehensive coverage option available under most auto insurance policies. On the other hand, flood damage is specifically excluded from most home insurance policies in Canada. Government assistance programs exist for homeowners and tenants suffering flood damage. It’s important to note that flood damage is distinct from water and sewer backup damage.

50 New home guide GTA | jul 20 - aug 3, 2013

Most home insurance policies provide some form of protection against water and sewer backup damage. In some cases, you may need to specifically add, and pay for, this protection. Adding to the confusion for homeowners and tenants is the fact that seemingly similar home insurance coverages, like sewer backup protection, can differ by company. For example, some policies exclude loss or damage caused both directly and indirectly by flood. If your policy excludes damage caused indirectly by flood, then you may not be protected against sewer backup damage even if no floodwaters entered your home. That’s because the sewer backup damage was indirectly caused by flood.

Protection against flood damage can be added to most commercial insurance policies purchased by businesses, condo corporations and farms.

C O N T I N U E D on p a g e 5 2 . . .

commons

H E I G H T S

THE

POINT AT WOODBRIDGE

UPPER WEST SIDE IN THORNHILL ESTATES

insuranceneeds |

CONTINUED

If your application is approved, the Program will cover the costs of returning essential property to its condition prior to the flood.

So, what should you do if you suffer flood damage? The first step is to file a claim with your home insurance provider. You should do this even if you suspect your claim may not be covered based on what you’ve heard from others. As mentioned earlier, each insurance company offers different coverage. Even if both you and your neighbor are insured by the same company, your policy may be different. For example, you may have added sewer backup protection to your policy whereas your neighbor may not have. Your claim will be assessed based on your policy and situation. If your claim is not covered, ask for a letter indicating so. This letter will assist you if you choose to escalate the matter. What if you have concerns with your home insurance claim or wish to escalate it? The insurance industry hasn’t always had the best reputation, but in recent years things have changed. Today, most companies try to find ways to cover (rather than deny) claims based on policy terms. Nonetheless, disputes, mistakes and misunderstandings do happen. If you have concerns with your home insurance claim or wish to escalate it, take a few minutes to write down your concerns and what you believe should be done to resolve them. Then, contact the individuals or organizations listed below. The adjuster handling your claim. Share your concerns and proposed remedies with the adjuster and ask for an explanation or a response. If you speak with the adjuster, follow-up your conversation with an email and ask the adjuster to do the same.

52 New home guide GTA | jul 20 - aug 3, 2013

The agent (or broker) who sold you the policy. Share your concerns and proposed remedies with the agent. Ask the agent to contact the insurance company and to appeal on your behalf. Also ask the agent to review your policy to make sure you’re properly covered. The insurance company’s claims manager. If your concerns are still not addressed, ask the handling adjuster to escalate the matter to the company’s claims manager, director or vice-president. Again, request any explanations or responses be provided to you in writing. The insurance company’s ombudsperson. All insurance companies in Canada are required to have an ombudsperson. This person is responsible for reviewing and responding to complaints, not just those relating to claims. Before approaching the ombudsperson, make sure you first attempt to resolve the matter with the handling adjuster and claims manager. The General Insurance OmbudService (GIO). This organization provides consumers with a free, independent and impartial process to resolve auto, commercial and home insurance complaints. Before you can apply to the GIO for assistance, you must first attempt to resolve the matter with the insurance company’s ombudsperson. The provincial insurance regulator. The insurance industry in Canada is highly regulated. As such, you have the option of filing an official complaint with the provincial insurance regulator. As is the case with the GIO, the insurance regulator will often require that you have exhausted all other options before they will review your complaint. In addition to the individuals and organizations listed above, you can contact your local Better Business Bureau to file a complaint. You can also take legal action against your insurance company. Taking legal action should be your very last resort, as this will be your most costly option.

403

N TA RI O

CO N FE D ER N

IO AT W

HA M TH O

RAT HBU

IS V A M

COMING SUMMER 2013

*Materials, prices, specifications, and floor plans are subject to change without notice. All renderings are artistâ&#x20AC;&#x2122;s conceptions. All floor plans are approximate dimensions. Actual usable floor space may vary from stated floor area. E. & O.E.

10minuteswith...

left

Accepting CHBA Grand Sam Award is Sue Webb Smith (centre) with Boaz Feiner of Geranium Homes and marketing team. right

Geranium’s annual support for local food bank.

10 Minutes with Sue Webb Smith, Geranium Homes, Marketing Director Housing Division, Geranium Corp. Sue Webb Smith is marketing director

for the housing division of Geranium Corp. and she wears the additional hats of strategist, spokesperson and social networking maven. A passionate member of the Geranium team, she is an industry whirlwind who is always thinking, creating and multi-tasking, whether she’s puttering in her garden in the summer or schussing down ski slopes when the snow flies. Her enthusiastic performance at Geranium Homes was instrumental in the company capturing the 2011 CHBA Grand Sam, as well as the 2012 BILD Home Builder of the Year and 2010 Best PR Campaign Awards. In addition to having total responsibility directing advertising and public relations, Sue is involved in the many aspects of Geranium’s housing div ision, participating in the architectural design process, development of model homes, sales management and homeowner relations. She and her team produce multiple prospect and buyer events annually. Her diverse knowledge stems from decades of experience. Webb Smith was born and educated in England where she enjoyed a successful career in public relations for a large textile company, and later for a major European natural gas company. Her life path led her to Canada in the early 1970s, where she continued her PR career and worked in advertising for the J. Walter Thompson Company. When an opportunity to own and operate a furniture store 54 New home guide GTA | jul 20 - aug 3, 2013

on Bayview Avenue arose, she felt the time was right to flex her entrepreneurial spirit. “Then the recession hit,” she says,” and I returned to my career roots. I went to work doing PR and marketing in the new home-building industry and discovered I really liked it.” Webb Smith joined Geranium in the mid-1980s, and helped launch the company to the forefront of the home building industry, culminating with a Grand Sam Award win. During the recession of the early 1990s Geranium shifted its focus to land development winding down its low-rise construction division. Sue used this as an opportunity to establish a boutique consulting service, Webb Smith Marketing Group. “I went on my own as a consultant,” she explains. “I worked for several builders successfully, and once again came to the attention of Geranium’s Founding Partner Earl Rumm who approached me about coming back to Geranium and working with President Boaz Feiner. I accepted the offered position in 2008. It’s one of the best decisions I’ve ever made.” Webb Smith’s first undertaking was the second release in The Neighbourhoods of Cardinal Point in Stouffville, the first neighbourhood to be master planned by Geranium Corporation and built by Geranium Homes. “In Fall 2008, sales were at approximately 60 homes,” she says. “Just five years later, our sales there have almost reached 600. A lot has happened over the past few years, and I’m enjoying the

SNAPSHOT NAME OF BUILDER

Geranium Homes BUILDER TRACK RECORD

challenge. I love to use my imagination in my work and since marketing is such a multifaceted occupation, it fits with my personality perfectly.” To stay ahead of the curve, Webb Smith has spearheaded Geranium’s Internet presence. She initiated an overhaul of Geranium’s website design and introduced social media platforms with the help of professionals in the field. “We keep up with how people amass information, which is changing all the time. The website is now in its second iteration to incorporate advances in technology and user preferences.” An extensive researcher, she is often brought into the development process early and asked her opinion, even before land is purchased. “That level of trust means a lot. I help with strategy from start to finish, from budget to completion. To me, it’s like a puzzle. We don’t do anything cookie-cutter at Geranium; we work together to continually innovate.” Though a natural leader, she stresses the importance of teamwork. “Everyone is on the same team, from our management and employees to our ad agency, PR firm, web specialists. Anyone who comes into the sphere feels a sense of inclusion.” Through that teamwork, Webb Smith has implemented a twice-yearly newsletter, buyer referral and communication programs, added customer service feedback mechanisms, generated Hard Hat Tours for purchasers and prospects, and created the “How We Build” book. “These practices help us achieve transparency. Honesty and integrity permeate the company, and the entire team strives for excellence.” Webb Smith’s “can do” attitude plays a role in elements of Geranium’s corporate charity and sponsorships. She enlisted artists to write and illustrate Coby Builds a House, a self-published 18-page illustrated children’s book used as a fundraiser for charities. She spearheads Geranium’s participation in the Annual Thanksgiving Food Drive for the Whitchurch-Stouffville Food Bank. “We get our homeowners and trades involved. This level of engagement contributes to the feeling of being good neighbours and raises awareness of a vital local organization.” The scope of Webb Smith’s responsibilities is awe-inspiring, her enthusiasm contagious. On any given day, you can find this natural-born multi-tasker smiling through it all, flexing her creative muscles to help keep Geranium at the forefront of the industry.

Geranium Homes is the award-winning home building division of Geranium Corp. The company approaches each development with a fresh perspective, creating neighbourhoods with individuality befitting the locale with appropriate natural and built amenities to add value. Emphasis is on appealing streetscapes that result in welcoming neighbourhoods and homes. Geranium Homes was the 2012 BILD Home Builder of the Year, and the Canadian Home Builders’ Association’s 2011 Grand Sam winner. CURRENT PROJECTS

The Neighbourhoods of Cardinal Point in Stouffville (Phase 5); Forest Trail Estates in Ballantrae; The Verandas in Port Hope; The Village at Sally Creek in Woodstock; and coming soon, Copperstone in Ballantrae and The Uptownes in Cardinal Point. PAST PROJECTS

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

jul 20 - aug 3, 2013 | New home guide GTA 55

designinspiration

Location, Location, Community by David Hirsh

Your home is so much more than the walls that define your living spaces. It’s more than the furniture and hand-picked accessories that reflect your personal style. It goes beyond modern appliances and a fancy 50-in. television. Your home extends beyond your house or condominium and indeed, includes everything located directly outside your front door. Everyone has heard the number one rule in real estate – location, location, location. This has become quite the cliché, but that’s because it’s absolutely true. Where your home is located is just as important as your home itself. “Coming home” is as much about arriving at your favourite neighbourhood after working or an evening out, as it is about physically entering your residence. Now, mind you, we may all have different ideas of what exactly makes a neighbourhood our personal favourite, but it’s fair to say that local amenities are often key. Amenities include nearby shopping, dining and entertainment venues. Proximity to schools, hospitals and public services might also top one’s priority list. Exactly which amenities are required to make a neighbourhood complete will vary from one person, couple and family to the next, but the main purpose of these amenities is common to all – to add to the convenience and enjoyment of your everyday life.

56 New home guide GTA | jul 20 - aug 3, 2013

David Hirsh is President and CEO of Brandy Lane Corp. Known for his creative and innovative approach to residential design, Hirsh prides himself on his hands-on approach to all stages of the development and building process. The company’s newest community is Wyldewood Cove, coming soon to Collingwood. Visit brandylanehomes.com

Residential builder/developers are responsible for not only constructing the homes, but also for the evolution of the surrounding community. There are two ways of looking at this process. A builder might pick a prime area in which to build – one that is an appointed hot spot. In this case, the new residential project would be adding to an already established and most likely well-serviced area, making it even more desirable. Residential development can also lead to the creation of new businesses and growth in the economy. That’s a win-win for both builders and homeowners. However, the biggest opportunities for change lie in building residences in up-and-coming areas. These types of developments are certainly more challenging, but are also very rewarding for both the builder and the homebuyer. When this happens, you’ll likely see a builder creating a unique neighbourhood where one did not exist before, that realizes its future potential. Once this type of development begins, the builder becomes a catalyst in the creation of initiatives that are undertaken by the city or municipality to improve existing infrastructure such as building new schools and public transit expansion. A homebuyer will usually benefit from being able to purchase real estate at a lower dollar amount, as the perceived current value isn’t as high as it would be in an established area. This investment will then grow over time. All of this boils down to the same thing – in order to build homes and communities that truly serve homeowners, a builder or developer must understand the potential clientele they are serving. A good builder will know their client well and will be able to build according to what they need in an area that will service their desires. Now that’s the epitome of community!

Amenities include nearby shopping, dining and entertainment venues. Proximity to schools, hospitals and public services might also top one’s priority list.

jul 20 - aug 3, 2013 | New home guide GTA 57

hotdates

july 20 - Aug 5

Scotiabank Caribbean Carnival

Various locations in toronto

July 20 to Aug 3 Calendar of events

beginning from July 20 to Aug. 3, 2013

58 New home guide GTA | jul 20 - aug 3, 2013

venues across the Queen East/Beaches area and boasts an eclectic line-up. beachesjazz.com

july 22-28

Formerly Caribana, the Scotiabank Canadian Open Caribbean Carnival hits the streets Glen Abbey Golf & and stages of Toronto this summer Country Club for its 44th year, featuring events that Golf Canada presents RBCâ&#x20AC;&#x2122;s celebrate the music, cuisine and arts Canadian Open golf championship of the Caribbean region. This popular at the Glen Abbey Golf Club. The event features some of the biggest championship, with its 109-year highlights of the summer, including histor y, is one of the oldest the Caribana Grand Parade, Annual tournaments in professional golf and Gala and the new tent villages. seeks to promote enthusiasm for the Known for drawing close to a million game and respect its traditions. spectators in past years, the Caribbean rbccanadianopen.com Carnival is the largest cultural festival june 28 - July 1 of its kind in North America. torontocaribbeancarnival.com

july 20-28

Beaches International Jazz Festival

Toronto Animation Arts Festival 350 King St. W.

A celebration of the world of animation, this festival showcases some of the Various locations in very best animation from around the toronto world along with special activities to The annual Beaches International Jazz celebrate the medium. Over 100 Festival showcases jazz, blues, big shorts and 5 feature films from around band, vocalists, African, Caribbean, the world will be shown. Special reggae, hip-hop, South American, workshops run by master trainers will Latin, rhythm and blues and more. be on offer The event takes places at several taafi.com

July 20 - Aug 3, 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

west region:

Mississauga

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

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

Amacon

The Towns at Parkside Village

705-435-9991

Vandyk Communities

Windows on the Green

Conservatory Group

Regal Craft Homes

Price Range

•

vandykcommunities.com

• from $270,000

Central Park North

905-890-0195

•

from $465,000

The Neighbourhoods of m

905-828-7888

•

• •

from $305,000

14 Eden Oak

Estates of Credit Ridge

www.edenoak.com •

from $450,000

19 Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

20 Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $500,000

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

45 ELM Developments

Baker’s Lane

905-771-8880

• •

from $480,000

13H

from $550,000

Page No.

53 8F

Mississauga

Tel

west region:

Site

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Builder

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

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

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

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west region:

ea ea

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Caledon

410

Price Range

Page No.

Mount Pleasant North

mattamyhomes.com •

• • from $306,000

8-9 6P

Mattamy Homes

Mount Pleasant Village

mattamyhomes.com •

• • from $200,000

BC 6P

19 Mattamy Homes

Salisbury Square

mattamyhomes.com •

•

from $314,000

8-9 10N

21 Primont Homes

Centretown

905-495-5067

•

• •

from $356,000

12 9M

45 Brookfield Homes

Pathways

905-584-2225

•

from $405,000

17 8K

60 Primont Homes

Castlemore

905-856-5777

• •

from $410,000

13 9K

62 Fieldgate Homes

Valley Lands

905-457-0445

•

• •

from $386,000

Insert & 25 9O

65 Great Gulf Homes

Mount Pleasant

905-459-5772

•

from $493,000

69 6P

66 Ballantry Homes

Spring Valley Village

905-457-3698

•

from $390,000

5 9M

Tribute Communities

Landscapes

905-893-3331

• •

from $399,000

Coscorp Inc.

The Village of Southfields

thevillageofsouthfields.ca •

• •

Monarch Corporation

The Village of Southfields

thevillageofsouthfields.ca •

• •

from $390,000

Empire Communities

Lakeside

empirelakeside.com •

•

from $350,000

VanMar Homes

Credit Ridge Estates

416-746-1234

•

from $550,000

National Homes

Gates of Countryside

416-746-1234

•

from $290,000

Townwood Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

Country Wide Homes

Gates of Countryside

905-907-1500

•

from $400,000

Regal Crest Homes

Countryside Meadows

countrysidemeadows.ca

•

from $346,000

Royal Cliff Homes

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000

Starlane Home Corporation Gates of Countryside

starlanehomes.com •

from $520,000

Great Gulf Homes

Castlemore Crossing

905-793-5607

•

from $616,000

10J

10 Stanford Homes

Fletcher’s Meadow

905-456-9398

•

from $292,000

11 Berkshire Homes

Credit Springs

519-938-8449

•

from $434,000

13 Conservatory Group

Walnut Grove in Spring Valley

905-455-2725

•

from $250,000

•

17 Pemberton Group

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000

18 Saberwood Homes

Heart Lake Village

905-773-6549

25 Heathwood Homes

Terracotta Village at The Credit Valley 905-874-4741

•

• from $300,000

from $430,000

30 Gold Park Homes

Castlemore Crossing

905-794-0366

•

from $285,000

10K

32 Forest Hill Homes

Ravines of Castlemore

905-794-8875

•

from $520,000

33 Monarch Corporation

Strawberry Fields

905-843-0707

•

from $390,000

33 Coscorp Inc.

Strawberry Fields

905-843-8989

•

from $310,000

37 Oxford Homes

Adena Ridge

905-584-6444

from $600,000

38 Andrin Homes

Turnberry Townhomes AndrinTowns.com

•

from $320,000

44 Falconcrest Homes

Timberbank Manors

905-230-4663

•

from $310,000

48 Aspen Ridge Homes

Credit Manor Heights

905-216-5155

•

48 Regal Crest Homes

Credit Manor Heights

yourkingdom.ca

•

from $390,000

48 Country Wide Homes

Credit Manor Heights

yourkingdom.ca

•

from $390,000

50 Mosaik Homes

The Estates of Spring Valley

905-216-4806

•

51 Acorn Homes

Castlegate

acornhomes.ca

•

from $498,000

11K

55 Rosehaven Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000

55 Townwood Homes

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

55 Townwood Homes

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000

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

64 Meridian Homes

Credit Valley Manors

905-216-5186

•

from $400,000

from $579,000

10k

67 Starlane Home Corporation Rivers Edge

starlanehomes.com •

Brampton, Caledon, Bolton

Tel

Mattamy Homes

west region:

Site

Fi Map 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; IBC-Inside back cover

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Burlington Bay

403

Hannon

W Rd

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

Hamilton

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sio Co nc

es lle yvi

QEW

Mohawk

Waterdown Burlington

Sid St

QEW

403 Hwy 2

d er

e Rd

©s

nor

r ove

sio es nc Co

403

rlo

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407

ita e lin se Ba er w Lo

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Flamborough

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ita Br E Rd

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8 6

n sio es

Co th

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Burlington

n ai M E sA ve le St

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Acton, Halton Hills, Milton, Burlington, Waterdown

west region:

Waterdown

Rd Rd ne e Li Lin 4 3

13 25 Tr 5 em ai n

n sio

1 on

iss

24 4 Br

401

ill

401

ne Li

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

Milton

w To

al af Tr

oa d

Sid er

y. 7

Halton Hills Georgetown Ja m

on Br

ne Li

Sid er

oa d Sid er

D E

oa d 22

Sid er

Cl ay

hi ll Rd

d rR Rd ga e al n i af L Rd Tr 6 ne Li 4

rt Rd ou ll s C chi le r vd Co Bl hu C t on e S ct c la al W

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

Acton

Stoney Creek

2 34

Grimsby 37

St. Catharines

Niagara 420

Price Range

•

Page No.

•

from $250,000

74 7M

•

from $220,000

8-9 9G

•

from $420,000

6-7 9C

The Uptowns of waterdown

905-690-7600

17 Mattamy Homes

Hawthorne Village

mattamyhomes.com

33 Menkes

The Enclaves of Upper Canada

289-891-9103

•

Schuit Homes

Perth Park

905-628-9559

• 1Q

Great Gulf Homes

Edgewood

905-356-9408

•

from $289,000 12Q

Double Oak Homes

Silver Creek Hollow

905-702-8388

•

from $600,000 9d

Conservatory Group

Milton Heritage Homes

905-875-1953

•

from $275,000 9g

Arista Homes

Milton Trails

905-864-3306

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 Heathwood Homes

The Village at Traditions

905-876-3140

•

13 Lakeview Homes

Morrison Village

1-800-565-5150

•

13 Heathwood Homes

Traditions Heathwood

905-876-3140

•

15 Rosehaven Homes

Waterdown Meadows

waterdownmeadows.com •

•

• from $180,000 11l

•

from $421,000 8h

• • 11R •

from $880,000 8h

• 8m

18 Parkbridge Lifestyle Communities Inc. Antrim Glen

1-800-856-4318

•

from $250,000 1O

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $250,000 12R

22 Country Green Homes

Park Place Village

905-690-7600

•

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $290,000 6B

27 North Star Homes

Valleygreen

northstarhomesinc.com •

from $310,000 9H

28 Intracorp

Foothills

905-864-8997

•

from $490,000 8H

34 Phelps Homes

Lakeside Estates

phelpshomes.com •

from $696,000 5Q

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

38 Phelps Homes

Magnolia

phelpshomes.com •

from $400,000 7R

• • 8m

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Country Green Homes

Site

Fi Map nd er

Builder

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

Si te

# IBC-Inside back cover

M id d

ld na

ac Do

sh a St or e Rd

ate

Tr e

Up p

St W as nd Du 8

hil

e Av

or th m ha rn Bu

tti

so at W

o ris or M

n Rd

Devo

E Rd pe or th m ha rn

Ro ya ll R l W in d d

tw ar

n Li

Ford Dr

n Li

Tr a

403

n Li

Oakville

rlo

ush R

Pineb

401

s Dr

Frank

tio

e Rd

u Aven

t sS dr ew

Main

Cambridge 24

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

eim R

Blenh

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

Elgi

Clyde

St.

ler Rd

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

rdale

west region:

Guelp

Beave

n Rd

essio

tain Foun

ck Rd

le Blo

Midd

Conc

s Rd

Myer

Page No.

Mattamy Homes

The Preserve

mattamyhomes.com •

•

from $360,000

6-7 4E

Treasure Hill Homes

Nautica at Lakeshore Woods

treasurehill.com

•

from $550,000

21 6J

Menkes

Millstone On The Park

905-825-3619

•

from $320,000

6-7 3G

Dawn Victoria Homes

North Morrison House

905-822-5000

Fernbrook Homes

Bronte Creek

905-847-6377

•

from $550,000

Legend Creek Homes

Bronte Creek

905-827-6441

•

from $410,000

Monarch Corporation

Bronte Creek

416-495-3563

•

from $670,000

National Homes

Glen Abbey at Westmount

416-746-1234

•

$0,000

Century Grove Homes

Upper Glen Abbey Estates

905-465-1379

•

from $470,000

Tribute Communities

The Courtyard Condominium Residences 905-257-6200

• from $260,000

Rosehaven Homes

Woodland Trails

liveinoakville.ca

• from $540,000

• •

from $420,000

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

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

# Si te 1

Builder

quicktips

Getting started

Replace procrastination with motivation

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

by hellen buttigieg

t can take a long time to build up clutter and just as long to clear it out. You know it’s been put off for far too long, but sometimes the procrastination is caused because you don’t know where to start. Make a plan and find the right place to start. Work on one thing at a time and you’ll find, drawer by drawer, closet by closet and room by room, it will eventually all get done.

Where to start? One of the most common questions is, “Where do I start?” Picking a place to begin can often be the biggest obstacle to decluttering, immobilizing us from taking action. Think about what you are making room for. If your goal is to unload some “financial burdens,” the logical place to start is the home office where the financial papers are piled. If your goal is to have more romance in your life, it would make sense to start the organizing process in the bedroom. Plan before de-cluttering Before beginning any de-cluttering project, determine in advance how you will dispose of the items you no longer want. If you have valuable pieces and would like to sell them, decide whether you will do this yourself or hire someone to do it for you. If you would like them to go to charity, which one and where is it located? It’s not until those boxes and bags leave your home that you will reap the full rewards of de-cluttering. Planning in advance will curb procrastination and ensure full completion of the task. Begin with the “no-brainers” Toss old newspapers, things that are broken or have missing parts and clothing items that are permanently damaged. If you can devote 10 minutes a day to this process, you’ll be amazed at how much progress you can make in just one week. The important thing is to block out time every single day to do it. Jump-start your spring cleaning with baby steps Start the clearing process with a “best before” box. 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.

68 New home guide GTA | jul 20 - aug 3, 2013

Empty spaces result in smiling faces When reorganizing a closet, a dresser or a cupboard, empty it out first. It’s motivating and gratifying to see the space empty. You are also likely to sort through the contents more thoroughly. However, when organizing a large area, empty only a section at a time, sort it and then move on to the next section. Overcome procrastination If you’ve got an unfinished project hanging over your head but can’t seem to motivate yourself to work on it, take a moment to think about what the payoff of completion would be. Write three benefits of completing the project and keep this where you’ll see it throughout the day.

BRAMPTON

SEE THE GREAT GULF DIFFERENCE IN BRAMPTON.

THE BEST FEATURES, BEST DESIGN, BEST VALUE $592990

• Full Depth Lots at Bovaird and Creditview

• Second floor lofts

• Gas fireplace

• His/Hers master walk-in closets

• Side door entrance

• Rough-in 3 piece basement plumbing

• Additional staircase to basement

• All brick exteriors

• Nine foot ceilings

• Full depth lots

• Hardwood flooring

• Neighbourhood park

• Oak stairs

• Walk to GO Station

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

• Secondary bedrooms with ensuites

Mississauga Rd.

Bovaird Dr. James Potter Rd.

Williams Pkwy.

Chinguacousy Rd.

40 ft. Detached 2,625 - 3,600 sq. ft. from

Ashby Field Rd.

$492990

34 ft. Detached 1,755 - 2,685 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.

inthenews

Lyon’s Creek model home

grand opening a success! crowd pleaser. Freehold 35-ft.-wide townlaunched the grand opening of model homes in the Lyon’s Creek com- home bungalows with loft up to 2,728 sq. munity located in Chippawa. Local MPP Kim Craitor and Councillor ft. and double car garages are also available Joyce Morocco kicked off the celebrations with the official ribbon starting from the low $300’s. cutting ceremony and tour of the seven model homes, which were well At Lyon’s Creek, buyers are impressed received by all who attended. with Homes by DeSantis’ offering of stunAlong with the media and interested buyers, excited homeowners ning detached and semi-detached twocame with their friends and family to see the progress of their homes storeys, bungalows, bungalows with lofts and to meet their future neighbours. Seeing the models first hand was and townhome designs starting from the the highlight of the days events, where everyone enjoyed a taste of the mid $200’s. Available to tour is the inNiagara Lifestyle. novative 2,588-sq.-ft. Berkshire Bungalow Touring the model homes, it’s easy to see why the designs at Lyon’s with loft boasting a soaring 17-ft. ceiling Creek are proving to be real showstoppers. Those who fall in love with the in the Great Room that sets off the open Welland 3,244-sq.-ft. model home, will be thrilled to discover it’s offered concept design from an incredible from an affordable $408,990 as one of Rosehaven’s brand new release of $359,900. Purchasers looking for bunga14 additional 50-ft. detached two-storey and bungalow lots. The popular lows will discover a selection of designs Chippawa II bungalow, very similar to the model available to tour, is another from 1,200 to 1,788 sq. ft. Magnificent detached two-storey homes up to 2,926 sq. ft. are set on spacious 45-ft. lots. If you didn’t get the chance to attend our grand opening release, drop in to see these fabulous model homes for yourself. Six detached models and one townhome are ready for viewing now at Lyon’s Creek located on Mann Street, off Sodom Rd, just south of Lyon’s Creek Road. Visit lyonscreekchippawa.com for more information. Recently, Rosehaven Homes and Homes by desantis

70 New home guide GTA | jul 20 - aug 3, 2013

Live the Niagara

The Welland - Rosehaven Homes

LIFESTYLE

COME TOUR OUR

7 MODEL HOMES TODAY!

Get more out of life when you own at Lyon’s Creek in the fabulous Niagara region with so much to see and do. Tour the wineries, visit the sights, golf, boat, hike and more. You’ll wonder why you didn’t move to Lyon’s Creek sooner.

Mann St.

NIAGARA RIVER

St. Main P o

Sodom Rd.

s Lyonk Rd. Cree

To Falls

Marineland Pkwy

CHIPPAWA McLeod Rd.

rta

MODELS & PRESENTATION CENTRES

Fort Erie

The Berkshire - Homes by DeSantis

50’ & 45’ Detached, Semis & Townes starting from the mid $200’s. Visit our Model Homes and Presentation Centres today and see just how easy it will be to start Living the Niagara Lifestyle! SALES OFFICE HOURS:

Mon - Wed: 2pm - 7pm; Sat, Sun & Hol. 11am - 5pm

homesbydesantis.com

Presentation Centres and Model Homes on Mann St. off Sodom Rd. just south of Lyon’s Creek Rd.

LyonsCreekChippawa.com Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

rosehavenhomes.com jul 20 - aug 3, 2013 | New home guide GTA 71

communityfocus

Empire I Communities

launches Lakeside in Brampton location Brampton housing type Urban semis, townhomes, semi-detached and detached homes sales centre 11200 McLaughlin Rd. at Wanless Drive contact 905.495.0441 | empirecommunities.com

72 New home guide GTA | jul 20 - aug 3, 2013

t is an event that Brampton new homebuyers have eagerly awaited. Empire has launched another new master-planned community – Lakeside. For 20 years, Empire has been creating beautiful communities throughout the GTA and Southwestern Ontario. Lakeside is no exception. Empire is introducing an exceptional community featuring outstanding all new brick and stone home designs in urban semis, townhomes, semi-detached and detached homes on 38-ft. lots. The carefully crafted Lakeside homes are three-, fourand five-bedroom layouts to suit every family size and need. With spacious floorplans, ranging from 1,254 to 3,211 sq. ft., these homes feature welcoming front porches for relaxing with a cup of tea or chatting with neighbours. Inside, families will enjoy the wonderful open concept designs between the kitchen and living room, kitchens with stylish coloured backsplashes, many kitchens with pantries, bathrooms with a curved shower curtain rod and indulgent rain showers in the master bathrooms. Empire has thought of everything. Many of these homes have been designed with a side door entry to allow loved ones to live independently yet together. All homes are Energy Star rated to keep the energy bills lower and create a healthy living environment for families. “It’s all part of Empire’s commitment to providing for the needs of our buyers and their families,” says Paul Golini,

empire communities

Empire is introducing an exceptional community featuring outstanding all new brick and stone home designs in urban semis, townhomes, semi-detached and detached homes on 38 ft. lots.

executive vice-president of Empire. “These are truly distinctive and unique homes that are adaptable according to the buyers’ needs.” The smaller homes are perfect for young families just starting out. Those homes on larger homesites are designed for that special move-up dream home market or the larger multi-generational families that want to stay together. Lakeside is comprised of five neighbourhoods, each with its own natural features as the name suggests. Waterside is highlighted by a large pond with the Lakeside Gazebo nearby. Woodside is located beside an untouched forest with trails for walking or jogging. Families in Trailside will appreciate the forest as well as walking and biking trails – perfect for those that love the outdoors. By its name, Parkside offers The Lakeside Park with a playground and large fields – great outdoor space for families to play and

Lakeside

picnic. Promenade is ideal for active families with shopping within a short walking distance. Families at Lakeside will not only have the wonders of the outdoors at their doorstep, they will also be close to a host of entertainment options, hospitals, schools and restaurants. The homes at Lakeside are truly affordably priced with urban semis starting at $349,990; townhomes at $399,900; semi-detached homes from $429,990 and detached homes from $599,990. To see these beautiful home designs visit the showroom at 11200 McLaughlin Rd. at Wanless Drive. For more information, call 905.495.0441 or visit empirecommunities.com jul 20 - aug 3, 2013 | New home guide GTA 73

NEW RELEASE OF FREEHOLD

BACK TO BACK TOWNS URBANSTYLE TOWNS FROM THE MID

200s NOW OPEN CENTRE RD.

WATERDOWN

The ideal location in the charming town of Waterdown, a beautiful home you are proud to come home to, picturesque walking trails and a genuine sense of community – you will find it all here, welcome home.

PARKSIDE DR.

6 DUNDAS ST.

403

905-690-7600 CountryGreenHomes.com 74 New home guide GTA | jul 20 - aug 3, 2013

HAMILTON ST.

It’s your time, It’s your community, It’s your neighbourhood for life.

407 QEW

Mon - Thurs 1-7pm Friday by Appt Sat & Sun 11-5pm

jul 20 - aug 3, 2013 | New home guide GTA 75

inthenews

Tips for new Canadians to build credit Every year, thousands of

people immigrate to Canada in search of new opportunities and a better life. Today, Statistics Canada estimates that immigrants account for more than one-in-five Canadians and projects that by 2055 immigration will account for 90 per cent of the country’s population growth. But figuring out how things work in a new country can be challenging, from locating new schools and communities to navigating the banking system. According to a poll from TD Canada Trust, most newcomers said they did not know how to open a bank account (47 per cent), apply for a credit card (58 per cent) or mortgage (87 per cent) or send money to family overseas (72 per cent) in their first three months in Canada. The biggest surprise new Canadians encountered setting up their finances was the credit rating system (24 per cent) and not having access to credit right away (23 per cent). “One of the major challenges new Canadians face when they arrive is establishing a credit history so they can buy or rent a home, get a credit card, purchase a car, and even secure a mobile phone plan and insurance,” says Stephen Menon, associate vicepresident of credit cards at TD Canada Trust. “But in order to build a good credit rating, you need to apply for credit, which is challenging when you are new to Canada and don’t have a Canadian credit history.” 76 New home guide GTA | jul 20 - aug 3, 2013

A credit rating reflects the ability of a potential customer to pay back borrowed money, and is recorded by at least one of Canada’s major credit-reporting agencies: Equifax Canada or TransUnion Canada. The following tips can help newcomers build their Canadian credit rating: 1. Apply for a secured credit card According to the poll, a quarter of new Canadians (23 per cent) said they wish they knew more about how to get approved for a credit card. Menon recommends newcomers apply for a secured credit card as soon as they arrive. “A secured credit card has all of the advantages of a credit card, but requires that a certain amount of money be set aside to provide the bank with the security that the money will be paid back,” says Menon. “If used responsibly over time, a solid credit history can be built by paying credit card bills on time until eventually the credit rating is high enough to apply foran unsecured credit card.” 2. Pay all of your bills on time and in full Late bill payments have the potential to negatively affect a credit rating, so Raymond Chun, senior vice-president at TD Canada Trust, recommends setting up pre-authorized debits to avoid missing recurring bill payments. According to the research, 49 per cent of newcomers pay their bills through online banking and 30 per cent use a mobile app for banking services. “If you can’t afford to pay an entire bill, think about setting up an automatic transfer of the minimum monthly payment to avoid negatively affecting your credit rating,” says Chun. 3. Check your credit rating before applying for a mortgage Eighty-seven per cent of newcomers didn’t know how to apply for a mortgage in their first three months in Canada and 38 per cent said they wish they knew more about local mortgage rules. Farhaneh Haque, director of mortgage advice at TD Canada Trust, says qualifying for a mortgage and favourable interest rate depends on a number of factors, including a solid credit rating. She recommends homebuyers check their rating at least six months before applying for a mortgage, so they have time to correct it if there are any flaws. “It can take up to 18 months to build a credit history robust enough to apply for a mortgage, but I encourage newcomers to meet with an expert earlier to learn more about the home buying process in Canada,” Haque says. “An expert can help calculate what’s affordable and provide guidance on how to budget to service mortgage payments, live comfortably and save for the future in Canada.”

ONTARIO’S

PREMIER

GUIDE

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 78 New home guide GTA | jul 20 - aug 3, 2013

July 20 - Aug 3, 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

e Av

n sto ng

lva Sy

s ng Ki e v nA

Sheppard Ave E

401 53 26

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.

n Dr orto

Brim

Galloway Rd

Ossington Ave. Dovercourt Rd.

DVP

Main St

Gerard St

Manse Rd

rlet

St Clair Ave E

Passmore Ave

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

East Ave

Keele St.

QEW 4

Yonge St

Evans Ave

Yonge St.

Don Valley Pkwy

QEW

Jane St

Avenue Rd Bloor St.

Laird Dr

Queensway

Dupont St.

O'Connor Dr.

Woodbine Ave

Dufferin St

Davenport Rd.

Pharmacy Rd Victoria Park

Sca

Warden Ave

Dundas St W

Allen Expressway

Birchmount Rd Eglinton Ave E

Lawrence Ave E

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

Ellesmere Rd

Huntingwood Dr

Finch Ave E

Bellamy Rd

Bloor St W

ng s

Bathurst St

Eglinton Ave W

Briar Hill Ave

y Pkwy

Eglinton Ave W

d kR y

Caledonia Rd

to n

ew e

13 Steeles Ave.

McNicoll Ave

Markham Rd

Rathburn Rd

Th e

k lac

Tre th

Keele St

W es

Don Valle

Westway

Ave Lawrence Ave E

Kennedy Rd

427

Kipling Ave

Dixon Rd

York Mills

401

Sheppard Ave E

Scarborough Golf Rd

Martin Grove Rd

Orton Park Rd

Islington Ave

401

pressway

Jane St

Wilson Ave

Finch Ave W

Drewry Rd

Pleasant Ave

Bayview

400

Mills

401

Weston Rd

Don

409

Signet Dr

ale

Midland Ave

Humberline Dr

Allen Ex

Dufferin St

Finch Ave W

ion

Alb

McCowan Rd

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

Alness St

central region:

Tapscott Rd

Morningside Ave

Neilson Rd Morrish Rd

Sewells Rd Conlins Rd

Reesor Rd

Beare Rd

Meadowvale Rd

Da n

80 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

Arista Homes

Goddard on the valley

416-630-5039

Fieldgate Homes

IMPRESSIONS

Monarch Corporation

Price Range

•

from $650,000

42-43 7B

impressionskleinburg.com •

• •

from $515,000

Insert & 25 5F

Evergreen

416-495-3526

•

from $470,000

IBC 14F

Menkes

Humber Mews

416-642-8955

•

6-7 3I

Menkes

Dwell city town

416-642-8955

•

Menkes

Bloom Park Towns

416-730-1600

•

from $320,000

6-7 8B

Monarch Corporation

Birkdale

monarchgroup.net

•

from $473,000

IBC 13D

Camrost Felcorp

iLoft at Mystic Pointe

416-251-8888

Arista Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

Paradise Homes

IMPRESSIONS

impressionskleinburg.com •

• •

from $490,000

Oz Properties

Garden Towns

416-898-5100

•

Tribute Communities

Canterbury

647-352-2130

•

from $700,000

Pemberton Group

The Uptown Residences

416-987-3500

• from $400,000

Regal Crest Homes

Centennial Gardens

416-686-0556

• • from $323,000

13G

Beaverbrook Homes

Evolution

416-747-9691

Conservatory Group

Oakdale Village

416-243-0511

•

from $323,000

Conservatory Group

Upper Beach

416-698-7796

•

• •

from $400,000

12H

Forest Green Homes

Lexington On The Green

416-235-0220

•

from $208,000

Conservatory Group

Port Union

416-287-3128

•

from $520,000

18E

Cresford Development Corp.

Windermere by the Lake

416-977-5300

• • from $200,000

Pemberton Group

Park Lake Residences

416-769-4343

• from $180,000

H&R Developments

Westown

hr-newhomes.com

• from $190,000

Beaverbrook Homes

Yorktowns

647-259-0733

•

from $460,000

Stafford Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

Brookfield Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

from $190,000

10F

Tribute Communities

RCMI

416-363-4800

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

Tribute Communities

1717 Avenue Road

416-430-1717

Stafford Homes

Keystone Mews

416-757-6684

• •

from $475,000

11F

Mattamy Homes

Cornell

mattamyhomes.com •

•

from $390,000

H&R Developments

Berczy Square

hr-newhomes.com •

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $2100,000 9H

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

Brandy Lane Homes

Village Mews

416-651-6555

•

from $470,000

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

Decade Homes

Yorkdale Village

416-638-5656

•

from $350,000

Sundance Homes

Braeburn Lane

sundancehomes.ca •

from $430,000

15D

•

Page No.

• from $273,000

• from $270,000

• from $550,000

•

6-7 3I

9H 8C

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

Tel

central region:

Site

Fi Map nd er

Builder

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

# Si te

Steeles Ave W

Kipling Av

ence

Clar St

Isl on 48

t ing

Huntington

Langstaff Rd

Major Mackenzie

Teston Rd

400

Weston Rd

King-Vaughan Rd

400

9 King Rd

Rutherford Rd

Maple

Centre St

Clark Ave W

Thornhill

12 43

33 28

23 16

31 44 7

Langstaff Rd

Dufferin St

Kirby Rd

Pine Valley

City of Vaughan

Jane St

Nashville Rd

Keele St

Cold Creek

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

Bathurst St

e Av

12 Line R

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

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

Tel

Price Range

Page No.

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $770,000

Insert, 25, 38 & 39 9F

Arista Homes

Vaughan Valley Estates

905-303-1929

•

from $770,000

38-39 9F

Madison Homes

Thornhill

905-417-1203

•

from $1090,000

Fieldgate Homes

Rivers Edge

905-303-4728

•

• •

from $730,000

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

from $750,000

Aspen Ridge Homes

Kleinburg Hills

647-921-0381

•

from $780,000

Summit View Homes

The Summit of Valleybrooke

905-417-7980

•

from $300,000

Hallstone Homes

Clairtrell Mews

905-886-5757

•

from $670,000

15K

Flato Developments Inc.

Montebello

905-731-2000

•

from $390,000

11D

Liberty Development

Centre Park Townes

905-731-8302

from $399,000

13I

Tiffany Park Homes

Valleybrook Estates

905-303-1620

from $320,000

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

Primont Homes

Rothbury Ravine Estates

905-305-8871

•

from $675,000

13f

Forest Hill Homes

Thornhill Ravines

madisonhomes.ca •

from $690,000

14g

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $900,000

14E

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1250,000

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1100,000

12A

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

12A

Zancor Homes

Royal Collection

905-833-0883

•

from $550,000

12A

Treasure Hill Homes

Thornhill Woods

treasurehill.com •

from $986,000

13g

Oskar Group

Le Sedici

lesedici.com

from $600,000

10E

11 14g

Insert & 25 8E

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

404

4 17 22 Rd King 24

20 3

oad

ider

S rson Jeffe

15 16 14

19th

Gam 1

13 23

nzie

ath Str

acKe

rM Majo

e Av rn

ick R

25 2

Q R

. Ave

404

st St

16th

am Denh

dr Wel Bathur

central region: Richmond Hill

ent

Mill

Neal D

Reg

ills R

nM Elgi

8 19 18

404

Leslie

d Yorklan

Ave.

ble R

St Yonge

Bloo

road

Side

Ave

on ingt

Bayview

Leslie S

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

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

Price Range

Page No.

Heathwood Homes

Hampshire Mews

heathwood.com

from $420,000

47 5I

Fieldgate Homes

The Humberlands

905-773-7738

•

from $850,000

25 2C

14 Arista Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $600,000

30-31 4H

15 Madison Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $600,000

30-31 4H

15 Forest Hill Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $600,000

30-31 4H

16 Fieldgate Homes

Jefferson Forest

jeffersonforestliving.com •

•

from $600,000

30-31 4H

27 Acorn Homes

Oak Knoll

acornhomes.ca

•

from $605,000

99 4C

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

Centra Homes

The Mills Collections

416-238-2404

•

from $940,000

Aspen Ridge Homes

Kettle Lakes Club

289-231-2849

•

from $550,000

17 Heathwood Homes

The Reserve at the Woodlands

416-637-3520

•

from $748,000

18 Heathwood Homes

Silverwood Lane

heathwoodrichmondhill.com •

•

19 Heathwood Homes

Forestbrook

heathwoodrichmondhill.com •

from $583,000

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

22 Yorkwood Homes

Hillside Manors

905-770-4662

•

from $472,000

25 Treasure Hill Homes

Urbantowns on Bayview

treasurehill.com

•

26 Arten Development Group

The Manors of Roseview Grand

roseviewgrand.com

• •

from $650,000

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

les A

e Ave

Hend

Thornhill ve E

grove

Stee

in Woodb

Alder

John St

d eroa

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

404

8 Hwy. 4

nald

Denison

McDo

ve 14 A

Van

d St Sid dorf

Edwar

11 Con

Hwy 7

w Ave.

Hwy 7

Dr lock 61 Bul y7 Hw

Bayvie

Ave

Town of Aurora

404

dy Rd

404

n St 21 ngto 22 Welli

e Rd

's Sid

hn St Jo

47 13

Gor

S ham

404

Leslie S

Kenne

ve 16 A n Rd r a C lto

n Rd

hts

Heig

D avis

Elgin

le ffvil Stou

r Side

oad

17 20

Milla

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

Rd ton ming Bloo

oa d

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

n Rd Vivia

Rd lbert 54 Mt A

orf d Van

a Rd or Aur

of Town chhur c e it Wh f ville Stouf

an Rd

McCow

n Warde

ock Mul

Town of Newmarket

ard Orch

t gle S

Spruce

404 y 31 Pkw 81 het Cac

a McCow

Main S le Dr ymervil

2 zie n 53 52 8 42 60 12

9 Line

acke

e Ave

or M Maj

cessio

Town of 50 Markham

ane

L reen

44 1 55 7 14

in Woodb

ills R

10 Con

67 6 35 57 41 11 70

y Rd

Kenned

Elgi

Bayview Av e

McCow

ve 18 A

v 19 A

an Rd

Ave Warden

Thornhill

Town of Markham

Town of WhitechurchStouffville

t Yonge S

Town of Aurora

Town of Newmarket

St N

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

Main

n Rd

86 cessio

Al d

9 Con

cessio nR

erson

Ave

S Yonge

Tel

Price Range

Page No.

Heirloom in Markham

905-201-2804

• •

from $400,000

13 7f

11 Madison Homes

Greensborough

905-201-7700

•

from $601,000

11 7F

20 Fieldgate Homes

BlueSky Stouffville

905-640-0002

•

from $440,000

25 18f

24 Ballantry Homes

Cornell

905-294-0221

•

from $420,000

5 8g

•

from $460,000

11 8F

•

from $460,000

35 & 93 8f

from $495,000

1 7F

•

from $390,000

22-23 7F

from $573,000

Insert & 25 6G

30 Madison Homes

Cornell Rouge

905-472-9556

30 Forest Hill Homes

Cornell Rouge

cornellrouge.com

41 Aspen Ridge Homes

Upper Cornell

905-554-3446

•

50 Geranium Homes

Cardinal Point Downtown Stouffville 905-640-9999

•

52 Fieldgate Homes

Potter’s Bend

59 Primont Homes

Harmony

fieldgatehomes.com •

•

905-305-8871

•

from $540,000

13 5I

64 Starlane Home Corporation Upper Unionville

905-534-0493

•

• •

from $520,000

37 5G

64 Fieldgate Homes

Upper Unionville

905-477-6464

•

from $520,000

Insert, 25 & 37 5G

64 Arista Homes

Upper Unionville

905-534-1564

•

from $520,000

37 5G

64 Paradise Homes

Upper Unionville

905-477-6464

•

from $520,000

37 5G

65 Fieldgate Homes

Victoria Manor

fieldgatehomes.com •

from $779,000

25 3G

Beaverbrook Homes

The Terrace On Rouge Creek

905-640-7360

• •

from $390,000

Marydel Homes

Woodland Hills

905-898-7380

•

from $400,000

10B

Country Wide Homes

Pavo Point

905-554-5975

•

from $400,000

Country Wide Homes

Wismer Commons

905-907-1500

•

from $450,000

10 Monarch Corporation

Nichols Manor at Heritage

416-495-3542

•

from $550,000

12 Laurier Homes

windsong

905-201-5979

•

from $495,000

12 Laurier Homes

Windsong North

905-201-5979

•

from $598,000

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

20 Starlane Home Corporation BlueSky Stouffville

starlanehomes.com •

from $518,000

18F

26 Arista Homes

Boxgrove

905-201-1102

•

• •

from $432,000

28 Preston Homes

Copper Hills

905-954-4050

•

from $500,000

14d

28 Starlane Home Corporation Copper Hills South

CopperHIllsSouth.ca •

•

from $620,000

14d

30 Madison Homes

Forest Hill

cornellrouge.com

•

from $400,000

42 National Homes

Wismer Woods

416-746-1234

•

• •

from $680,000

50 Geranium Homes

The Neighbourhoods of Cardinal Point 905-640-9999

•

from $575,000

51 Oxford Homes

Coventry Valley

905-836-8902

from $600,000

53 H&R Developments

Castle Square

hr-newhomes.com

•

54 Beaverbrook Homes

Victoria Highlands

416-924-0110

•

from $450,000

16B

55 Country Wide Homes

Woodland Hills

905-907-1500

•

10C

60 Best Homes

Wismer Gardens

905-479-9600

•

from $410,000

62 North Star Homes

Pacific Villas

416-332-8115

•

from $337,000

62 North Star Homes

Mill Fair Village

NorttStarHomesInc.com

• from $500,000

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

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

Mono Adjala

King

Schomberg

Tecumseth and Tottenham65 71

11 20

Georgina Keswick

k La

East Gwillimbury

37 13 55

Barrie 33

50 45 34 70 400 16 17 5 Bradford

400

Alliston61

Essa

Beeton

Hwy 5

Shelburne

Vespra4

90 48 Lisle 44 2 Angus

Sunnidale

Tosorontio Everett

Wasaga Beach

Oro

Orillia

Lindsay

Uxbridge

Cannington

7 3

Scugog

Oshawa

401

400

iew plev

30 Dr

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

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

ark on P

Bay

Mols

Big

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

Steel St

Lakesh ore Burton Av Dr e

400

lop

Newcastle

Manvers

n Du

Barrie

wD levie d R alem Map

Rd agh Ard 4

r lle Mi

og Scug

Lake

eon

Georgina Island 33 obcayg B

Mara

s Dr

Bracebridge

n Vetera

27 36

Tay

400

60 41

irv

10 5 19 43 34 39

Midland

Huron Rd

iew

Thornbury

Georgian Bay

t tS

1 St.

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

88 Duckwor

north region:

nc Vi ia Rd

Tel

Price Range

• • • • • • • •

• • • • • • • • • • • • • • • • • • • • • • • • •

• • • • •

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

$450,000 $290,000 $328,000 $563,000 $290,000 $291,000 $291,000 $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 $570,000 $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 $280,000 $280,000 $300,000 $311,000 $210,000 $275,000 $225,000 $300,000 $285,000 $340,000 $350,000 $250,000 $310,000 $285,000

Page No.

19 7I 95 9g 17 & 90 8I 17 5J 17 7J 91 7J 91 7J 4F 4F 6F 13H 14E 5E 8C 8C 1D 18D 13E 13e 4D 9g 9g 6I 8G 7k 7k 7k 7I 8I 19E 19E 4E 9H 17F 2E 8H 13I 6H 9G 7G 7F 7F 17C 6D 7G 3F 5E 6I 3E 15E 5E 6G 6I 6I 8I 8I 8I 3e 6h 6G 16B 8I 3F 7G 3I 3E 6I

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Site

north region:

Builder

National Homes The Forest nationalhomes.com • Lakeside Meadows 1-877-455-0201 • Ballymore Homes Grand Central 905-778-0873 • Brookfield Homes Fieldstone MyFieldstone.ca • Brookfield Homes Willow Glen Tottenham 1-888-720-9508 Brookfield Homes Mill Street Village millstreethomes.com Briarwood Homes Mill Street Village millstreethomes.com Ballymore Homes MarlLake Village 1-877-428-5115 • Pacific Homes Limited MarlLake Village 1-877-428-5115 • Red Berry Homes Nottawasaga Village 1-877-534-4445 • Starcrest Homes Cloverlea Lindsay 705-324-1653 Mason Homes Princeton Woods 705-730-1978 • Mancini Homes Wasaga Sands 1-866-409-2724 • Democrat Homes West Ridge Place Orillia 705-329-3330 • Mariposa Homes West Ridge Place Orillia 905-773-9997 • Mancini Homes Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay 519-599-1900 • Hamptons on Big Bay Point 705-792-6807 • Fandor Homes Big Bay Point 705-735-0732 • Grandview Homes Bear Creek Hollow 1-866-386-1629 • Grandview Homes Wasaga Beach 1-877-422-1185 • Berkley Homes The Simcoe 1-877-455-0201 Ballymore Homes The Neptune 1-877-455-0201 Ballymore Homes Victorian Village 1-855-7PREVIN • Previn Court Homes Southpointe 1-888-431-1732 • Southpointe Homes King Country Estates 905-558-0098 • Rosehaven Homes King Country Estates 905-558-0255 • Aspen Ridge Homes King Country Estates 905-907-1500 • Country Wide Homes Summerlyn Village 905-775-3461 • Great Gulf Homes Grand Central 905-778-0873 • Fernbrook Homes Sunflowers 705-721-7200 • Melody Homes Sunflowers 705-721-7200 • Zancor Homes Timberwolf Lodge 905-851-1224 Pristine Homes Mount Albert Village 905-251-3203 Oxford Homes Renaissance Collection 705-734-9518 • Kingsview Homes Blue Shores 1-866-625-2583 • Kaitlin Group Ltd. Forest Beach Estates 1-866-386-1629 • Grandview Homes Lake Scugog Meadows North 905-695-1953 • B.G. Schickedanz RidgeHill 705-434-4433 • Alliance Homes Jackson’s Landing 1-866-722-7771 • Alliance Homes Alcona by the Lake 1-866-531-3424 • Country Homes Wallace Mills 705-436-7215 Maple Lane Homes Lakeside Living in Innisfil 705-436-5445 • Sandiego Homes Lakeside Cove 705-797-1967 • Senator Homes Centre Point 705-734-1887 • Sunfield Homes Pebbleshores 705-436-5547 • Pristine Homes Mountain Trails 1-888-445-9608 Brandy Lane Homes 1-877-420-0880 • Stonebridge Building Group Stonebridge by The Bay Emerald Forest royalpark.com • Royalpark Homes Pretty River on Georgian Bay 1-888-257-1999 Delpark Homes Mason Homes Just 4U masonhomes.ca/4U Centretown 1-877-855-1122 Bremont Homes Brennan Enclave 705-516-0681 • RAYMAC Homes Treetops 705-435-3577 • Brookfield Homes Treetops 705-435-3577 • Orchard Ridge Homes Dreamfields in Bradford 416-410-0175 • Rosehaven Homes Dreamfields in Bradford dreamfieldsbradford.com • Regal Crest Homes Dreamfields in Bradford dreamfieldsbradford.com • Country Wide Homes Creekside 705-444-0555 • Devonleigh Homes Inc. Parkside by Devonleigh 705-435-9991 Devonleigh Homes Inc. Brownley Meadows 705-423-9662 • Devonleigh Homes Inc. Maplewood democrathomes.com Democrat Homes Park Central 905-778-0873 Brookfield Homes The Shipyards 705-446-2626 Fram Building Group Briarwood Estates 705-294-2288 • Briarwood Homes Greenbrook Village 519-217-5944 • Lakeview Homes Pretty River Collingwood 1-888-257-1999 • Briarwood Homes Greenfields 1-855-299-7929 • Far Sight Homes

Fi Map nd er

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

# Si te IFC-Inside front cover

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

jul 20 - aug 3, 2013 | New home guide GTA 90

Grand Opening Phase 2 in Tottenham

The Springfield, 3,050 sq.ft., from $493,990

40’ Singles from

413

,990

Don’t miss your chance to become a part of this very successful community. With over 100 homes sold since our launch, we are celebrating the success of Mill Street Village by opening PHASE 2 and releasing a new selection of fabulous lots!

Take a look today! You’ll be moved tomorrow! ALSO AVAILABLE Townhomes from

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Semis from

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1-855-232-8100

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.

SALES PAVILION

stylefile

Hardwood Made Easy

by Yanic Simard Photo by Sarana Tile Historically, wood floors began as a prized possession

› Mix with: Complementary olive green.

of the extravagantly wealthy, or a ramshackle solution for the common people Lyptus A recent invention, this – constructing a smooth and elegant floor took painstaking labour and eucalyptus-based product is harvested craftsmanship, sometimes needing years to create one masterpiece for a well- from fast growing trees and is often appointed mansion. In 1885, the invention of the side-matcher brought a cost-effective substitute for tongue-and-groove planks to the middle class, and later the dry kiln helped mahogany. Can be stained dark or prevent the common warping and shifting natural to such an organic product. light to inject exotic flair. In the 21st century, wood remains a favourite choice for modern and traditional › Mix with: Near-black grey. homes alike, and with so many options (each coming in a multitude of stains) Walnut Walnut features a beautiful, the possibilities are truly endless! Here’s my guide to finding the right hardwood dramatic grain, reminiscent of Zebra floor – any style, any budget. wood striping, and its grey undertones integrate well with modern material So hard to choose! schemes. However, the low hardness Although many woods are labelled “hardwood,” not all floors are created equal. rating means walnut is best kept to The Janka Hardness Rating assigned to every wood guides you as to how well low traffic areas. each species will endure the daily beating it takes: the lower the rating, the › Mix with: Dark, subdued purple. more prone to denting, so I recommend sticking to Red Oak’s rating of 1290 Bamboo Bamboo is not truly a or above. Oak, especially the harder white oak, has many burls and swirls, “hardwood” flooring, as it is actually but with its ability to hold stain well it can easily be given a variety of tones, created by pressing together many making it one of the most popular choices. I recently used a stunning Oak strands of a grass. However, the resulting Ravensdale in a dark modern satin finish (from Kentwood Floors) throughout material is very hard, with a distinct a client’s condo – it’s one of my favourites. Although there are endless colour linear graining perfect for modern decor. combinations, here are some of my other wood favourites, with paint suggestions Keep in mind that bamboo made with to get you started: inexpensive binding agents may scratch easily – a deal that sounds too good to Maple One of the toughest affordable woods, patriotic Maple has a subtle grain, be true just may be. perfect for those who prefer a more minimal and consistent look. Usually has a › Mix with: Cheerful cherry red. light reddish colour, especially as it does not absorb dark stains well. Pine Southern Yellow Pine is very soft › Mix with: Clean, fresh white. (in fact, not even a hardwood), but its Ash With a solid hardness rating, ash sapwood is another durable light-coloured propensity for marking can actually option that features a highly consistent grain. Heartwood ash can have much be charming. Look for reclaimed pine darker brown tones, and either will stain well for a range of colour options. planks to get characterful floors at a › Mix with: Bright sky blue. low cost; just don’t install pine Mahogany Quality, sustainable mahogany still exists, but it has become rare expecting it to stay flawless. in recent decades and the demand pushes the price higher and higher. Very › Mix with: Rustic green-grey. durable and stains beautifully, making it worth the investment for floor aficionados. C O N T I N U E D on p a g e 1 0 0 . . . 92 New home guide GTA | jul 20 - aug 3, 2013

2013 SHOPPING GUIDE

2013 issue now available! >`]ÂżZW\U O aSZSQbW]\ ]T bVS 5B/Â¸a b]^ V][S R{Q]` aV]^a O\R aS`dWQSa

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1/11/13 4:23:35 PM

416.626.4889

Love to shop? Our 2013 shopping guide profiles some of the GTAâ&#x20AC;&#x2122;s top home and dĂŠcor shops and services. 94 New home guide GTA | jul 20 - aug 3, 2013

newhomeguide.ca

A FABULOUS SELECTION OF 50' DESIGNS!

THE ASHBERRY A 2,869 sq.ft. on a 50â&#x20AC;&#x2122; lot

THE STONEHURST B 2,085 sq.ft. on a 50â&#x20AC;&#x2122; lot

A value packed, luxury family neighbourhood

50' Singles Ă&#x192;Ă&#x152;>Ă&#x20AC;Ă&#x152;Â&#x2C6;Â&#x2DC;}Ă&#x160;vĂ&#x20AC;Â&#x153;Â&#x201C;

380,900

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UNBEATABLE TOWNHOME VALUE

Townhomes Ă&#x192;Ă&#x152;>Ă&#x20AC;Ă&#x152;Â&#x2C6;Â&#x2DC;}Ă&#x160;vĂ&#x20AC;Â&#x153;Â&#x201C;

289

,900

Come Tour our Fully Decorated Models!

UĂ&#x160; Â&#x153;Ă&#x2022;LÂ?iĂ&#x160;`Â&#x153;Â&#x153;Ă&#x20AC;Ă&#x160;iÂ&#x2DC;Ă&#x152;Ă&#x20AC;Ă&#x17E;Ă&#x160;Â&#x2C6;Â&#x2DC;Ă&#x152;Â&#x153;Ă&#x160;Â&#x153;Ă&#x203A;iĂ&#x20AC;Ă&#x192;Â&#x2C6;Ă˘i`Ă&#x160;vÂ&#x153;Ă&#x17E;iĂ&#x20AC; UĂ&#x160;"ÂŤiÂ&#x2DC;Ă&#x160;VÂ&#x153;Â&#x2DC;ViÂŤĂ&#x152;Ă&#x160;Â?Â&#x2C6;Ă&#x203A;Â&#x2C6;Â&#x2DC;}Ă&#x160;Ă&#x153;Â&#x2C6;Ă&#x152;Â&#x2026;Ă&#x160;>Ă&#x160;Li>Ă&#x2022;Ă&#x152;Â&#x2C6;vĂ&#x2022;Â?Â?Ă&#x17E;Ă&#x160;Ă&#x160; Ă&#x160;Ă&#x160;Ă&#x160;Ă&#x160;Ă&#x160; designed kitchen including an Ă&#x160;Ă&#x160;Ă&#x160;Ă&#x160;Â&#x2C6;Ă&#x192;Â?>Â&#x2DC;`Ă&#x160;EĂ&#x160;LĂ&#x20AC;i>Â&#x17D;v>Ă&#x192;Ă&#x152;Ă&#x160;L>Ă&#x20AC;Ă&#x160; UĂ&#x160; >Ă&#x20AC;}iĂ&#x160;Â&#x201C;>Ă&#x192;Ă&#x152;iĂ&#x20AC;Ă&#x160;Li`Ă&#x20AC;Â&#x153;Â&#x153;Â&#x201C;Ă&#x160;Ă&#x153;Â&#x2C6;Ă&#x152;Â&#x2026;Ă&#x160;`Â&#x153;Ă&#x2022;LÂ?iĂ&#x160;`Â&#x153;Â&#x153;Ă&#x20AC;Ă&#x160;iÂ&#x2DC;Ă&#x152;Ă&#x20AC;Ă&#x17E;]Ă&#x160; large walk-in closet... ensuite with corner soaker tub and separate shower UĂ&#x160;1ÂŤĂ&#x192;Ă&#x152;>Â&#x2C6;Ă&#x20AC;Ă&#x192;Ă&#x160;Â?>Ă&#x2022;Â&#x2DC;`Ă&#x20AC;Ă&#x17E;Ă&#x160;Ă&#x20AC;Â&#x153;Â&#x153;Â&#x201C;

>Ă&#x20AC;Ă&#x20AC;Â&#x2C6;iĂ&#x192;Ă&#x160;vĂ&#x20AC;Â&#x153;Â&#x201C;Ă&#x160; $1,000 a month. Just like rent! SALES OFFICE: 4950 Baseline Road, Sutton, ON, L0E 1R0 Mon. - Wed. 1pm - 8pm. | Thurs. & Fri. by appt. only. Sat., Sun. & Hol. 11am - 6pm Prices and specifications subject to change without notice. E.&.O.E. Renderings are Artistâ&#x20AC;&#x2122;s concepts.

1-877-455-0201 lakesidemeadows.ca

SUTTON

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newhomeguide.ca 96 New home guide GTA | jul 20 - aug 3, 2013

Coming Soon to the Town of Beaverton

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

Starting from the mid $ s

200

Prices & specifications subject to change without notice. E. O. & E. jul 20 - aug 3, 2013 | New home guide GTA 97

inthenews

An exciting

event

for downtown Maple! standards of luxury and energy efficiency. help the Oskar Group and Ashley Park Homes break All the homes have multiple balconies and ground on Le Sedici Villette, their new townhouse de- large rooftop terraces. Standard features velopment in Maple. include hardwood, granite, marble and a A former vacant lot at the corner of Keele and Killian host of other luxuries. High efficiency Roads will be transformed into an enclave of Georgian heating systems with zone control and style residences. The townhomes fronting onto Keele spray foam insulation will ensure comfort include commercial space on the ground floor suitable and energy savings. for professional offices or small merchandisers. The eight Ryan Guetter from Weston Consulting rear homes (in two blocks of four providing four end expressed delight that the project his units) will be traditional townhomes with up to 2,400 company helped the Oskar Group bring sq. ft. of living space. through the concept, design and permit Located in the Heritage District of Maple, the de- stages was finally coming to fruition. “It’s velopment, penned by Vincent Santamaura of SRN Ar- very exciting to be here for this,” he said. chitects Inc., underwent strict oversight by Vaughan Marilyn Iafrate expressed her happiCultural Design and the Vaughan Heritage Committee. ness with the design and how it will The result will provide a select group of 16 homeowners complement and enhance the commuwith a beautiful, spacious residence built to the highest nity. “It’s long overdue and will make a big difference to Downtown Maple.” The principals of Oskar Group were also happy that the long road of design and paperwork was over and the construction could now begin. The Oskar Group has previously concentrated on commercial management and development and intends this first foray into residential to establish their credentials in the residenLeft to right, tial home building market. By working architect Vincent with custom home builder Aldo MirigelSantamaura, lo of Ashley Park Homes, the Oskar Group Mark is ensuring that Le Sedici Villette will be Sokolowski, a showpiece that will pave the way for builder Aldo Mirigello and future high quality developments. Councilor Marilyn Iafrate attended to

planning consultant Ryan Guetter.

98 New home guide GTA | jul 20 - aug 3, 2013

For more information, visit lesedici.com

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 $604,900 $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 99 New home guide GTA | jul 20 - aug 3, 2013

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.

s t y l e f i l e s | C O N T I N U ED

Pattern power Straight The most common “pattern,” laying wood planks in straight rows

parallel to the longest edge of the space creates continuous lines that highlight the length, making your home appear bigger. Diagonal Similar to straight, but with the lines following a diagonal to create even longer bands to maximize the visual length. Some installers may not suggest it as it can create more work (and sometimes more waste), but the results are trendy and stunning. Herringbone This classic but energetic pattern is very popular in modern homes; the repeating zig zag recalls elegant suiting, and yields a sophisticated look that suggests luxury. Parquet Not usually still in favour for new installations, parquet floors with their iconic swirling checkerboard patterns can often be visually minimized rather than replaced. I recently had a client’s parquet stained a very dark brown, with several top coats applied to create a gorgeous finish that virtually erases the many joints. Inlay More commonly seen in high-end traditional spaces, wood inlay uses contrasting tones of wood (or even other materials) mixed together to create decorative designs. Often see as a thin border around the edges of rooms, or medallions in foyers. A significant investment, the technique creates a 100 per cent custom look. Hardwood vs laminate ›› Solid hardwood is truly what the name implies: a solid plank milled from lumber – what you see on the surface is the same as the core. The material can be sanded and refinished repeatedly, but is less moisture resistant. ›› Engineered hardwood uses a layer of solid wood (often around 3/4-in.) with plywood or other material as the core – the surface is still often thick enough to be sanded and refinished occasionally. Can use a tongueand-groove system to create a “floating” floor, rather than one that must be nailed and glued in place (making a DIY much easier). ›› Laminate flooring is similar to engineered, but does not use a real hardwood surface, instead replicating the look through a printed image for maximum cost effectiveness. Cannot be sanded or refinished as it will remove the surface. Prefinished vs raw ›› Prefinished flooring comes already stained and treated, which often means a more thorough final coat that can be more durable and more consistent, and the product is usually less expensive pre-made. ›› Raw wood is delivered and installed untreated, to be finished on site after installation. This allows the stain to be customized on site for a more perfectly flat finish - prefinished wood will show unevenness in the subfloor that raw wood can have sanded out. Maintenance ›› Even the hardest wood can still suffer scratch marks, so use protective felt pads under furniture legs, keep pet nails trimmed, and use area rugs in the busiest traffic zones. Vacuum or sweep regularly, but use a brush head or felt padded vacuum, or a soft broom. 100 New home guide GTA | jul 20 - aug 3, 2013

Yanic Simard is the Principal Designer of the Toronto Interior Design Group, a regular design guest expert on City’s Cityline and columnist for The Toronto Star newspaper. Follow him on Twitter @yanicsimard or on facebook.com/yanic.simard. Read his blogs on tidg.ca and every Thursday on the Thermador Facebook Page’s blog (facebook. com/ThermadorCanada). Yanic is design editor of New Condo Guide and writes for many other Canadian and international publications. Send questions or comments to info@tidg.ca

›› Wipe up any spills immediately – as long as you don’t let water stand, hardwood is safe to use in a kitchen to keep the look continuous from other spaces. ›› It can be hard to retroactively match your floor, so I recommend replacing everything at once, including upgrading from metal vent covers. I’ve seen many homeowners decide down the road they wish they had sprung for some finishing details that are very difficult to match when the wood has naturally aged, so invest up front for a truly beautiful floor you will cherish for years! One last idea If you want the look of wood at a lower cost, here’s a recent discovery: Sarana tile carries a new faux-wood ceramic tile line called “Over” which comes in trendy colourways – I’m in love with the “Black & White” variety, which makes for amazing, dramatic zebra-like herringbone. With an affect like this, you won’t miss the real wood one bit!

TIME IS RUNNING

OUT!

6 MONTH FREE INTERNET, CABLE & HOME PHONE QUARTZ KITCHEN COUNTERS EXCLUSIVE LAMINATE FLOORING* CUSTOM CABINETRY DESIGNER CERAMICS STAINLESS STEEL FRIDGE, STOVE, DISHWASHER, STACKABLE WHITE WASHER /DRYER AIR CONDITIONING SPACIOUS BALCONIES LANDSCAPED GARDENS CONVENIENT PARKING BICYCLE STORAGE

GRAND CONDOS AND 2 STOREY LOFTS WITH ELEGANT DESIGNS SPACIOUS 1, 2 AND 3 BEDROOM SUITES STARTING IN THE $200,000’S

PRESENTATION CENTER + SALES OFFICE: 4630 KINGSTON RD, UNIT 6 647-342-0784 WWW.ESQUIREHOMES.CA

ONLY

3 LEFT

HOMES

ALL BRICK TOWNHOMES IN BEAUTIFUL GUILDWOOD STARTING AT $349,900

PRICE AND SPECIFICATIONS SUBJECT TO CHANGE WITHOUT NOTICE. *IN MAIN LIVING AREA ONLY. E. & O.E.

3 MONTHS FREE INTERNET, CABLE AND HOME PHONE STAINLESS STEEL FRIDGE, STOVE AND DISHWASHER WHITE WASHER AND DRYER NATURAL OAK STAIRCASE NATURAL LAMINATE FLOOR PREMIUM KITCHEN CABINETS DESIGNER CERAMIC FLOOR jul 20 - aug 3, 2013 | New home guide GTA 101

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.

102 New home guide GTA | jul 20 - aug 3, 2013

July 20 - Aug 3, 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

North Rd

32 Sideline

Altona Rd

Rosebank Rd

Altona Rd Church St S

Squires Beach Rd

Brock Rd

Sandy Beach

Spruce Hill

Montgomery F

Lak

Wentworth St

Gibb St

King St W Bond St W

Adelaide Ave

King S

Adelaide Ave

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

Harwood Ave

Westney Rd S

401

Kendalwood R

Appleview Rd

Whites Rd

Granite Court

Dr Notion Rd

52 91 14

17 Rossland Rd

Beatrice St

Conlin Rd

Harmony Rd S

Fairport Rd

Dixie Rd

42 11

Cochrane St

46 Rd

Garden St Blair St

Audley Rd

Bayly St E

Manning Rd

Dryden Bv

Park Rd S

gst

38 1

Centre St.

Kin

Liverpool Rd

401

Dundas St E

Sheppard Ave

Brock Rd R aks rO o j Ma Valley Farm

55 44 48 401

Kingston Rd

Taunton Rd W

devie

Whites Rd

Riverside

Brock Rd McQuay

Glenanna Rd

16 Sideline Rossland Rd

8 36

Cityof Oshaw a

Mary St N

Stroud's

Church St N

Paddock Rd Ravenscroft Magill 92Dr

Garden St

Audley Rd

Country Lane

Taunton Rd W

Anderson St

Highview Rd

Greenwood Rd

Townline Rd

Tow n of Ajax

Lakeridge Rd Garrard Rd

Westney Rd N

Salem Rd Brock St N

Delaney Dr

Salem Rd

Baldwin St S

Garrard Rd

Rossland Rd

4 Sideline R

Taunton Rd E

Stevenson Rd

Gran

North Rd

13 37

Conlin Rd

Tow n of W hitby

Rossland/Winchester R

8 Concession

Church St E

Thornton Rd

Central Park

30 Sideline Coronation R

24 Sideline

Thickson Rd

Finch Ave

20 Sideline co

3 Concession

16 Sideline Sim

Brock Rd

12 Sideline

4 Concession

6 Sideline

Ritson Rd N

4 Concession

Wilson Rd N

4 Sideline Halls Rd N

Fifth Conces

Cochrane

Village of Brooklin

Brawley Rd

Ashburn Rd

5 Concession

Myrtle Rd W

Country Lane

Columbus Rd

Lake Ridge R

6 Concession

Baldwin St N

Whitevale Rd

Cedarbrook T

7 Concession

8 Concession

9 Concession

Duffs Rd

4 Garrard Rd

28 Sideline

7 Conncession

16 Sideline Brock Rd Cen tral St

Cityof Pickering

9 Concession

Stevenson Rd

Pickering, Ajax, Whitby, Oshawa

4 Sideline R

east region:

Harmony Rd N

Grandeview S

Townline Rd.

Bay

104 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

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.

Price Range

Page No.

Brookfield Homes

Hills of Harrowsmith

Brook-Hill.ca

•

from $300,000

17 15G

Great Gulf Homes

Stonecrest

greatgulf.com

•

from $295,000

107 15F

Menkes

Somerset

905-428-0500

•

from $480,000

6-7 7G

Beaverhall Homes

Parkside Walk

905-430-1227

Monarch Corporation

Lexington County

416-495--3542

•

from $490,000

Emery Homes

Town Central

1-877-953-6379

•

from $350,000 4J

Highmark Homes

Triumph

whitbytriumph.ca •

from $350,000 10G

11 Conservatory Group

Carruther’s Creek Village

905-426-8081

•

from $247,000 7J

13 Liza Communities

Folkstone

1-877-365-9555

•

from $335,000 10G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $287,000 14F

24 Tribute Communities

Imagination

905-683-1228

•

from $286,000 8G

25 Melody Homes

Brooklin Winchester

1-888-679-5744

•

from $260,000 11E

31 Preston Homes

Prestonvale Heights

905-432-2800

•

from $350,000 15J

33 Tribute Communities

The Neighbourhoods of Windfields Farm 905-436-7444

•

from $356,000 13F

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $333,000 15G

35 Tribute Communities

The Village of Brooklin West

905-655-9979

•

from $380,000 11E

35 Tribute Communities

The Village of Brooklin Townhomes 905-655-9979

•

from $340,000 11E

36 Liza Communities

Heritage Village

1-888-655-6188

•

from $325,000 11G

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $190,000 6J

49 Senator Homes

Harbourside

905-430-5957

•

• •

from $270,000 9J

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

from $250,000 9G

55 Jeffery Homes

Kedron Park Ravines

905-433-2173

from $580,000 14G

56 Delpark Homes

The Woods of Nichol Trail

905-665-9555

•

from $426,000 11I

57 Geranium Homes

The Courts of South Rouge

geraniumhomes.com •

from $700,000 2K

Seaton

mattamyhomes.com

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

65 Brookfield Homes

Rosebank By The Lake

PickeringRosebank.ca •

from $550,000 2K

66 Monarch Corporation

Tran Quility

monarchgroup.net •

from $520,000 7G

67 Midhaven Homes

Breeze

1-877-773-6888

•

from $257,000 15F

68 Storybook Homes

Brookstone Estates

905-438-9516

•

from $1050,000 11B

90 LeBovic Homes

Old Taunton in Pickering

905-428-3434

•

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 $570,000

•

from $285,000 11H

from $225,000

• • 5H

Pickering, Ajax, Whitby, Oshawa

58 Mattamy Homes

•

east region:

Tel

M Fi a nd p er

Site

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

Builder

# Si te

105

Mill St

Parkhill Rd.

115

24 16

te Wa

Peterborough

9 31 38 Lansdowne Ave.

134

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

ach

Durham 23

Bloor St.

33 Oke

Angelina St North 34

Major St.

Lorne St.

Harmony Rd

Hw Mya2rsh

401 14

Bloor St.

LAKE

ONTARIO

St. Ridout W al to

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

Kin

Concession St

Baseline Rd. E

Concession Rd 3

Bowmanville/ Newcastle

Hwy

401

7 12 7A

Lake Scugog

ill Mc G

Lake Scugog

LAKE ON TA

Port Hope

MacDonald Cartier Freeway

106

RIO

115

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

To Toronto

Hwy

Nash Rd

St. Hw

Baseline Rd. W

King

Mearns

Hwy

Nash Rd

Lindsay St. North

Lindsay

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Colborne St

7 y4 30 Hw 10 Goodwood Rd

Centre

Rd.

Quaker Village Dr

Uxbridge

Brock Rd To

Che Monaghan Rd.

Brock St

ro n

Reg Rd 8

Elgin Park

Durham Reg

Main St

Hwy 134

Liberty St. N Liberty St. S

West Townline Rd. N.

le Rd

Varcoe Rd Darlington Blvd

n io Un

St. Joseph's Rd onva

Waverly Rd

Lambs Rd Hains St

Hwy 28

Av e Trulls Rd

Regional Rd 57

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

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

Reg. Rd. 18

east region:

Prest

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

Simcoe St. (From Oshawa)

y. 4 H

106 Hw

• •

Page No.

48 Brookfield Homes

BrookHill

Brook-Hill.ca

•

Mason Homes

Port Hope Golf & Country Club

905--885-6565

•

from $210,000 12K

Parkview Homes

Woodland Acres

705-748--2828

•

from $220,000 3G

Mason Homes

Cobourg

905-885-6565

• •

from $200,000 19I

Mason Homes

Cloverlea Lindsay

705-324-1653

•

• •

from $200,000 7a

Brookfield Homes

Foxtrail

brookfieldhomes.ca •

from $390,000 5B

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

Kylemore Communities

Port of Newcastle

905-987-5146

•

from $351,000 14E

Storybook Homes

Bond Head Estates

905-438-9516

•

from $850,000 14E

Parkview Homes

Harmony

705-748-4663

Parkview Homes

Lyon’s Gate II

705-748-4663

•

from $303,000

Parkview Homes

Mapleridge Townhomes

705-741-1004

•

from $228,000

Parkview Homes

Timberwoods

705-748-4665

•

from $228,000

Parkview Homes

Valleymore

705-748-4663

•

from $199,000

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

17 10B

28 B.G. Schickedanz 30 Empire Communities

• • from $260,000 14E

• from $150,000

•

from $300,000 10c

Chateau Villas at Baxter Creek Estates 905-695-1953

•

from $185,000 3K

Estates of Wyndance

905-649-8197

•

from $900,000 3e

31 Parkview Homes

The Meadows

705-741-1004

34 Carrington Homes

Woodlands of Upper Courtice

905-434-7797

•

from $260,000

35 Mason Homes

Avonlea

1-866-443-7900

•

from $190,000 3H

36 Senator Homes

Courtice Village

905-723-5989

•

from $239,000 7K

38 Melody Homes

Fairview Heights

1-800-932-5332

•

from $172,000

39 H&R Developments

Gracefields

hr-newhomes.com •

from $285,000 14B

39 Thornridge Homes

Gracefields

thornridgehomes.com •

from $290,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

45 Delpark Homes

Northglen

905-419-7222

•

45 Esquire Homes

Northglen

48 Jeffery Homes 72 Vandyk Communities

1-866-514-3573

•

from $350,000

• • from $288,000

3I 9I

•

from $221,000 11B

• •

from $221,000 11B

northglen.ca

from $219,000 11B

BrookHill

905-697-0765

•

• •

from $200,000 10B

West Park Village

vandykcommunities.com •

• •

from $210,000

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

Price Range

east region:

Tel.

Fi M ap nd er

Builder Site

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

# Si te

107

inthenews

A neighbourhood

celebration

OF NEW-HOME OWNERS AT THE VERANDAS Torrential rain did not deter homeowners

of The Verandas in Port Hope from attending a Welcome to the Neighbourhood Barbecue hosted by Geranium Homes on Saturday, June 22. Residents have been moving in to this new community of detached bungalow homes since March. “We had a good representation from both those who have moved in and others waiting for their homes to be built and completed this fall,” said Sue Webb Smith, Geranium’s marketing director. “We always host community get togethers for our homebuyers and find it really helps when neighbours meet one another even before they move in to their homes.” A second phase offering new 48- and 42-ft. lots was released for sale during the weekend and many who came to view Phase 2 stayed for the barbecue. The Verandas is equally appealing to empty nesters and young families who appreciate the designs and affordability of these fully detached Energy Star qualified homes. Three fully furnished and decorated Model Homes are open to tour which provide visitors with an opportunity to experience the great use of space in these modest sized homes and gain a feel for the quality of finishes included in every home. Set on 42- and 48-ft. lots, 10 different floorplans of two- and three-bedrooms are available with optional plans for more choice; including finished basement areas. Sizes range from 1,118 sq. ft. up to 2,397 sq. ft. (with optional finished lower level included). Phase 2 prices start from $277,900 for a 42-ft. lot. Located just minutes from Port Hope’s historic downtown, The Verandas will have a landscaped park, walking 108 New home guide GTA | jul 20 - aug 3, 2013

paths and gazebo overlooking a pond upon completion. Situated within a private enclave setting, the 117 homes have attractive exteriors featuring covered front porches, double car garages and heritage influenced maintenancefree materials designed for beautiful streetscapes. In addition to “Geranium Green” excellent construction standards, the homes at The Verandas are Energy Star for New Homes qualified, featuring third-party verification and up to 20 per cent energy savings (over homes built to Ontario Building Code minimum standards) from the day you move in. Port Hope’s many amenities and conveniences are nearby, including municipal transit and VIA rail. The Verandas is just south of Hwy. 401, a 50-minute drive to Toronto and 30 minutes from Oshawa and Peterborough. The new Northumberland Hills Hospital is 10 minutes away. The Verandas neighbourhood is close to parkland, schools and shops. Geranium Homes has been creating family neighbourhoods across Ontario for 35 years. In 2012, Geranium Homes won top industry awards: receiving The Building Industry and Land Development (BILD) Association’s Home Builder of the Year and the 2011 Canadian Home Builders’ Association Grand SAM Award. The Verandas sales centre is located on Marsh Road, just west of Toronto Street. Hwy. 401 Exit 461 Welcome/ Port Hope. Hours are 11 a.m. to 5 p.m. Saturday to Thursday. Closed Friday. Call 1.877.540.0555 or visit geraniumhomes.com

OSHAWA

NEW RELEASE OF SEMIS!

UP TO $300,000 LESS THAN GTA PRICES!

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GREATGULF.COM

%% 67 )/225 3/$1 %% 1' )/225 3/$1 (/(9 $ Actual usable space varies from stated (/(9 $ %% 67 )/225 3/$1 (/(9 $ Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. floor area. Sales oﬃce hours: Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri.

(

Model Home Photo Compliments of Mattamy Homes www.mattamyhomes.com

Enjoy time relaxing by the fire in your Mattamy family room.

JULY2013

mattamy 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

jul 20 - aug 3, 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

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.

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.

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.

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 | jul 20 - aug 3, 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 jul 20 - aug 3, 2013 | New home guide GTA 113

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

ATB Financial

2.5

Alterna Svgs/Alterna Bk

2.85

Bank of Montreal

3.1

Bank of Nova Scotia

6 Months

1 Year

2 years

3.1

3.14

6.30op

6.50op

3.05

3.09

6.30op

6.30op 3.14

3 years 3.55 3.09

4.39 3.24

3.14

6.30op

6.30op 2.89

3.75

4 years

4.55

3.75

6.45op

6.50op

Canadian Western Bank

3.14

6.45op

6.30op

HSBC Bank Canada

6.70op

3.09

3.14

3.75

3.29

CIBC

3.14

3.99

4.54

3.75

4.54 3.29

5 years 3.54 3.31 3.59 4.99 5.14 5.14

6.35op

4.45

2.7

6.20op

6.35op

3.95

2.98

4.99

3.49

ICICI Bank Canada

3.05

3.15

3.65

3.64

3.69

3.99

ING Direct

2.75

2.99

3.09

3.39

Laurentian Bank

n/a

3.19

3.75

4.54

5.14

4.4

3.14

6.70op

6.30op

Manulife Bank

4.45

3.15

3.2

3.25

3.29

4.00op

MonCana Bank

3.29

3.35

3.39

3.54

National Bank

4.4

3.14

3.75

4.54

3.69

6.70op

6.30op

n/a

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

3.15

3.29

3.49

3.69

Royal Bank

3.14

3.75

3.39

3.69

TD Canada Trust

3.14

6.30op

3.09

3.14

3.65

3.29

3.69

6.30op

TRUST COMPANIES Community Trust

n/a

6.5

3.14

3.19

3.65

4.54

5.14

Effort Trust

n/a

4.45

3.25

3.6

3.9

4.5

4.95

6.30op

Home Trust Company

3.2

3.95

2.79

2.89

2.94

3.09

3.49

Investors Group Trust

n/a

4.2

3.14

3.75

4.54

5.14

6.50op

6.30op

MTCC

4.55

3.75

6.45op

6.50op

2.89

3.99

3.29

4.99

3.25

3.29

3.19

3.14

OTHER FINANCIAL INSTITUTIONS 6.6

2.99

Comtech Credit Union

2.79

8.40op

9.00op

First National Fin. LP

3.95

2.99

2.89

3.09

3.24

3.54

3.09

3.14

3.34

3.19

3.39

FirstOntario C.U.

2.7

London Life

n/a

MCAP

6.34op 4.2

3.14

6.50op

6.30op

2.7

Meridian Credit Union

2.85

6.34op

4.45

3.6

3.14 3.95

3.75 4.35

4.54 4.89

5.14 5.14

7.00op 3.1

3.14

3.55

2.98

3.29

6.30op

Parama Credit Union

2.9

3.15

3.25

Steinbach Credit Union

2.5

2.6

2.7

2.8

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 JULY 15 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

114 New home guide GTA | jul 20 - aug 3, 2013

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

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 Arista Homes North York – Goddard on the Valley Grand Opening now on for these semis and select number of detached homes. aristahomes.com Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca Arista/Fieldgate/Paradise/Starlane Unionville – Upper Unionville Now open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles. livingatupperunionville.com Fieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com Acorn Homes Richmond Hill – Oak Knoll Grand opening on now for distinctive 28- and 38-ft. single-detached homes backing onto nature. acornhomes.ca 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

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 designerfurnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com National Homes Forest Hill – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Brookfield Homes Mono – Fieldstone Now open – single-family homes on 60- and 70-ft. homesites. myfieldstone.ca Menkes Georgetown – The Enclaves of Upper Canada Now previewing – semi-links and detached homes in Georgetown. menkes.com Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net Primont Homes Brampton – Centretown Now open – townhome and single designs. primonthomes.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 Rosehaven Homes Oakville – The Randall Residences Now open – ultra-luxurious condominium residences in downtown Oakville. therandallresidences.com

new RELEASES FarSight Homes Alliston – Greenfields Phase Two, new lot release of detached single-family and detached bungalow plus loft homes on 32- and 40-ft. lots. farsight.ca Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots. lovemountpleasant.com Mattamy Homes Oakville – The Preserve 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 Aspen Ridge Homes Markham – Upper Cornell New release now available – semis and detached homes on 30-ft. lots. aspenridgehomes.com Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca Fieldgate Homes & Arista Homes Vaughan – Vaughan Valley Estates Spring lot release of 41-, 50-, 60and 80-ft. singles. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com

jul 20 - aug 3, 2013 | New home guide GTA 115

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BUILDERS: If you would like to include your new model home or site opening, email wayne.karl@wall2wallmedia.com. Please say you saw it in New Home Guide!

preview registration Arista/Fieldgate/Paradise Kleinburg – Impressions Pre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes. impressionskleinburg.com

Madison Homes Richmond Hill – Jefferson Forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca

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

Great Gulf Brampton – Mount Pleasant Preview opening at Bovaird and Creditview – full depth lots with unique standard features. greatgulf.com

Empire Communities Brampton – Lakeside Register now for these townhomes, semi-detached and detached homes. empirelakeside.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

Greenpark/Starlane Mississauga – Churchill Woods Register now for these towns and semis in one of Mississauga’s newest communities. churchillwoods.ca

Treasure Hill Homes Aurora – Aurora Woods Grand opening celebration – 40- and 45-ft. luxury singles at Bayview Avenue and Vandorf Side Road. treasurehills.com

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

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

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

Averton Homes Mount Albert – Victoria Highlands Opening Saturday, June 8 – this community of bungalows and two-storey homes. victoriahighlands.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

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 Tribute Communities Oshawa – U.C. Register now for this new master-planned community in north Oshawa. mytribute.ca

Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com Heathwood Homes Richmond Hill – Hampshire Mews Now previewing in Richmond Hill – an enclave of urban towns on Yonge St. heathwood.com Ballantry Homes Oakville – OakPark Register now for this collection of urban townhomes and midrise condominiums, coming soon to Oakville. ballantryhomes.com National Homes Bradford – The Forest Coming soon – 36- and 40-ft. detached homes up to 3,400 sq. ft., with model homes decorated by Pottery Barn. 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 Arista/Fieldgate/Forest Hill/ Madison Homes Richmond Hill – Jefferson Forest Priority preview now open for these townhomes and a select number of singles. jeffersonforest.ca Beaverhall Homes Milton – Forestwood in Milton Now previewing in Milton – semi-towns and singles in a sought-after location. beaverhall.com Marydel Homes Beaverton – Seven Meadows Coming soon to Beaverton – enjoy smalltown living in this collection of detached bungalows and two-storey homes. marydelhomes.com jul 20 - aug 3, 2013 | New home guide GTA 117

advertiserindex Acorn Homes - Oak Knoll

Canpages - Promo

Amacon - The Towns at Parkside Village

Chinese Home & Condo Guide - Promo

Arista Homes - Goddard on the valley

42-43

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Arista Homes - Jefferson Forest

30-31

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Arista Homes - Upper Unionville

Arista Homes - Vaughan Valley Estates

Aspen Ridge Homes - Corporate

38-39

IFC

102

Esquire Homes - Guildwood on the park

101

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116

Fieldgate Homes - BlueSky Stouffville

Aspen Ridge Homes - Upper Cornell

Fieldgate Homes - IMPRESSIONS

Insert & 25

Ballantry Homes - Cornell

Fieldgate Homes - Jefferson Forest

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

Insert & 25

Ballantry Homes - The Neighbourhoods of OAK PARK

Fieldgate Homes - Rivers Edge

Insert & 25

Ballymore Homes - Lakeside Meadows

Fieldgate Homes - The Humberlands

Ballymore Homes - Mill Street Village

Fieldgate Homes - Upper Unionville

Branthaven Homes - Bohemian Towns

Fieldgate Homes - Valley Lands

Briarwood Homes - Mill Street Village

Fieldgate Homes - Vaughan Valley Estates

Brookfield Homes - BrookHill

Fieldgate Homes - Victoria Manor

Brookfield Homes - Fieldstone

Forest Hill Homes - Cornell Rouge

Brookfield Homes - Grand Central

17 & 90

Insert, 25 & 37

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22-23

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Geranium Homes - Cardinal Point Downtown Stouffville

Brookfield Homes - Pathways

Grand Alarms - Grand Alarms

Brookfield Homes - Willow Glen Tottenham

Great Gulf Homes - Mount Pleasant

118 New home guide GTA | jul 20 - aug 3, 2013

Great Gulf Homes - Stonecrest

109

Monarch Corporation - Birkdale

IBC

Heathwood Homes - Hampshire Mews

Monarch Corporation - Corporate

IBC

Home Decor & Renovations - Promo

Monarch Corporation - Evergreen

IBC

Lifestyle Communities - Promo

Madison Homes - Cornell Rouge

Madison Homes - Greensborough

Madison Homes - Jefferson Forest

30-31

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Marydel Homes - Seven Meadows

Mattamy Homes - Hawthorne Village

Mattamy Homes - Mount Pleasant North

National Homes - Corporate

National Homes - The Forest

Paradise Homes - Upper Unionville

Plaza Premium Lounge - Promo

Primont Homes - Castlemore

Primont Homes - Centretown

Primont Homes - Harmony

Primont Homes - Heirloom in Markham

Rosehaven Homes - Corporate

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

Schwarz Law LLP - Barristers & Solicitors

Shopping Guide - Promo

Spallacci Homes - Eden Park

Starlane Home Corporation - Churchill Woods

8-9

Mattamy Homes - Mount Pleasant Village

Mattamy Homes - Salisbury Square

8-9

Mattamy Homes - The Preserve

6-7

Mattamy Homes - Wildflowers

8-9

Menkes - Bloom Park Towns

6-7

Menkes - Dwell city town

6-7

Menkes - Humber Mews

6-7

Menkes - Millstone On The Park

6-7

Starlane Home Corporation - Upper Unionville

Menkes - Somerset

6-7

Treasure Hill Homes - Nautica at Lakeshore Woods

Menkes - The Enclaves of Upper Canada

6-7

Tribute Communities - UC

jul 20 - aug 3, 2013 | New home guide GTA 119

fundamentallyspeaking

how have the

new mortgage rules affected you? by wayne karl

It’s been slightly more than a year since the latest round of mortgage rule changes took place – July 9, 2012, to be exact. At the time, there was much handwringing from various parties – from builder associations to real estate experts to economists – that the new regulations would have too much of a cooling effect, at a time when the economy was wavering and parts of the housing market were softening. A common concern was that many young, prospective homebuyers would be negatively impacted by the new rules, and the fallout would trickle down and cause a slowdown in the overall housing market. Did such predictions turn out to be true? First, let’s revisit the changes: » The maximum amortization period was reduced to 25 years from 30. It was 35 years in 2008, and was reduced to 30 years in 2011. » The maximum amount of equity homeowners can take out of their homes when refinancing was lowered to 80 per cent from 85. » Insured mortgages would be available only to homes with a purchase price of less than $1 million. » The maximum gross debt service ratio was fixed at 39 per cent and the maximum total debt service ratio at 44 per cent. 120 New home guide GTA | jul 20 - aug 3, 2013

Wayne Karl is an awardwinning 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

Like most things real estate, the answer as to the accuracy of the forecasts depends on the specifics – of market location and type, and who the buyers are. At least one source, BMO Bank of Montreal, has produced a report that suggests fear of the changes may have been unwarranted: the majority (66 per cent) of first-time buyers indicate that the changes have not affected their timeline for buying their first home; one-in-five (19 per cent) said the changes have prompted them to wait longer to buy, while 14 per cent will buy sooner. BMO, in fact, goes as far as to say the new mortgage rules actually helped the real estate market, not hinder it, in that they contributed to a soft landing. “While Canadian home sales weakened markedly at the time of the mortgage changes a year ago, they have since stabilized and have even partially recovered in recent months,” says Doug Porter, chief economist, BMO Capital Markets. The survey also reveals that first-time buyers in Ontario are the most likely (76 per cent) to say that the mortgage rule changes will not affect their buying timeline. Buyers in BC – particularly Vancouver, Canada’s most expensive market – meanwhile, are the most likely (33 per cent) to wait longer to buy their first home because of the measures. Although shorter amortizations, in this case, were mandated by government, BMO and other lenders have long stressed the advantages of paying off your mortgage as quickly as possible. Saving as large a down payment as possible, getting pre-approved for a mortgage, choosing a shorter amortization and stress-testing your mortgage at higher rates are among the most responsible approaches you can take to home financing. It’s up to you whether you want to thank the federal government for such a reminder.

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