GTA New Home Guide - Aug 20, 2016 by NextHome

AUG 20 - SEPT 10, 2016 VOLUME 24, ISSUE 15, FREE

GTA EDITION

COMING SOON Freehold Townhomes in The City

staffordhomes.ca

INSIDE THIS ISSUE

3 THINGS TO CONSIDER FOR YOUR FIRST MORTGAGE

PRICE OF NEW GTA LOWRISE HOMES DOUBLES IN 10 YEARS

WHERE ARE THE SAFEST CITIES IN CANADA?

GRAND OPENING IN VAUGHAN

GO TO TOWN

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TORONTO Scenic on Eglinton - Presentation Centre & Model Suites 416.805.1781

TORONTO Studio - Presentation Centre & Model Suite 647.352.7736

TORONTO The Jack - Presentation Centre & Model Suite 416.203.7034

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COMING SOON BRAMPTON Mayfield Village

KESWICK Simcoe Landing Phase 2

PICKERING New Seaton

QUEENSVILLE Queensville

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contents AUGUST 20 - SEPTEMBER 10, 2016 | VOLUME 24 ISSUE 15

ON THE COVER

Staﬀord Homes and The Goldman Group A luxury townhome collection to be released this fall at Downsview Park

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24 Fieldgate Homes

64 West Queen West

A new release of 38-ft. singles in Brampton

Dunpar Homes

Trafalgar Ridge – your hedge against housing inﬂation

66 The Daniels Corporation

Daniels FirstHome Sunny Meadow is coming this fall

The home of the hip

trending

OHBA

Finalists for 2016 Awards of Distinction

Home Prices

Price of new homes more than doubles in last decade

advice

BILD Report

Land-use regulations in GTA contribute to affordability crunch by Bryan Tuckey

Fundamentally Speaking

Take advantage of low mortgage rates while you can — but carefully by Wayne Karl

Tarion Report

What is interim occupancy? by Howard Bogach

22 Stat Chat

Should you buy what foreign investors buy? by Ben Myers

28 Mortgage Advice

Three things to consider for your first mortgage by Alyssa Furtado

Quick Tips

A place for everything and everything in its place by Hellen Buttigieg

24 20 Fraser Institute

Ontario could boost manufacturing sector by following Michigan’s example

20 54 Home Upgrades

What are the short-term and long-term benefits?

58 Foreign Buyers

Should Toronto introduce a foreign buyers’ tax?

CHBA

Residential construction a huge contributor to economy

34 Housing Market

More Canadian housing markets edge into risky territory

50 Crime Rates

by Elisa Krovblit

60 Legally Speaking

Deciphering legal language by Jayson Schwarz

62 Moving Advice

Read and understand your contract for a successful move

Saving tips for first-time homebuyers

BMO Study

Reducing or eliminating debt is Canadians’ top financial priority

by Chuck Resnick

buyers’ resource section

Hot Properties

New releases, openings and preview registrations

inspiration

46 Designer Secrets

in every issue

How to choose furniture for your new home that fits

What are the safest cities in Canada?

Mortgage Rates

Editor’s Note

Contributors

Reclaimed Wood

What’s Online

by Jackie Marchildon

Advertiser Index

by Jane Lockhart

52 CREA

Toronto helps buoy Canadian home sales picture

Four disgusting things you’re doing at home unknowingly

68 Homeownership

42 Rail Deck Park

An iconic park is coming to Toronto’s downtown core

40 Cleaning Advice

A trend we hope never ends

Editors' Notes

EXPLORE WEST QUEEN WEST

TAKE A TOUR ONLINE SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

ypnexthome.ca/west-queenwest

Targeted info for your benefit We recently brought a formal focus group of Canadians together to ask about real estate. We specifically questioned what factors in someone’s life would make them want to move. One of the top three reasons was the desire to live in a different neighbourhood. Respondents said they wanted access to better schools and amenities such as transit, shopping, greenspace and parks. With so many areas for you to choose from, we created a Canadawide resource of neighbourhood

information and listings — on a local level. On YPNextHome.ca, you’ll find statistical information on more than 2,700 neighbourhoods, featuring data, listings, fun facts and more. We’ve got a ton of interesting info on key residential neighbourhoods, including photos and video tours. Check out West Queen West, for example. We hope you’ll explore a few of the neighbourhoods we’ve curated for you on our website. Drop us a line or send a photo to tell us what you love about your favourite neighbourhood.

Land-use rules adding costs

WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social 4 YPNEXTHOME.CA

The issue might be more pressing in Toronto, where housing affordabilty is more seriously challenged, but municipal land-use regulations are having an impact elsewhere in Canada. This, according to a new study from the independent think-tank the Fraser Institute. The Impact of LandUse Regulation on Housing Supply in Canada cited Toronto, Vancouver and Calgary as the markets having the most negative impacts. The first of its kind in Canada, the study analyses the impact of construction approval times,

timeline uncertainty, regulatory costs and fees, rezoning and the effect council and community groups have on development – on the growth of housing supply. Essentially, the longer the approval process, the more the growth of new housing is reduced, and the more expensive it becomes. At a time when new lowrise homes in the GTA seem to hit record prices on a monthly basis – and more than doubling in the last 10 years – changes to ease the approval and construction process would be welcomed, indeed.

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Contributors

TARION REPORT

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

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ASSOCIATE PUBLISHER, NEW HOME GUIDE GTA, NEW CONDO GUIDE

Anne-Marie Breen ASSOCIATE PUBLISHER, NEW HOME & CONDO GUIDE, SOUTHWESTERN ONTARIO

MORTGAGE ADVICE

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

Susan Maxwell EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sonia Bell, Sara Duck (on leave), Elisa Krovblit, Jackie Marchildon, Lydia McNutt (on leave)

DESIGNER ADVICE

JANE LOCKHART Jane lockhart is Founder and Principal Designer of Jane Lockhart Interior Design in Toronto. She can be reached at 416.762.2493. janelockhart.com

SENIOR ACCOUNT EXECUTIVE

Nina Downs nina.downs@ypnexthome.ca SENIOR ACCOUNT EXECUTIVE

Dionne Fraser dionne.fraser@ypnexthome.ca DISTRIBUTION & SALES CO-ORDINATOR

Terry Basset

DESIGNER ADVICE

YANIC SIMARD Yanic Simard is the principal designer of the awardwinning Toronto Interior Design Group (tidg.ca), and a regular guest expert on Citytv’s CityLine

NATIONAL CIRCULATION MANAGER

John Jenkins

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

LEGALLY SPEAKING

Miguel Cea, Mike Terentiev

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

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)

more online We have even more content online! Read more stories from our team of contributors at ypnexthome.ca, including stories by:

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and information. CIRCULATION Free distribution in select high-traffic street boxes, stores, banks, financial institutions and select condominium sales offices. COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Ltd., Toronto, Ont. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication. TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. EDITORIAL SSubmissions from interested parties will be considered. Please submit to the editor at Susan.Legge@ypnexthome.ca

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

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Please recycle this magazine! Yellow Pages NextHome 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.

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Advice | BILD REPORT

Land-use regulations in GTA contribute to affordability crunch By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

A NEW STUDY by the Fraser Institute

finds that onerous municipal regulations are limiting housing supply and exacerbating housing affordability in the GTA. Supply of housing is critical, says the report, because the degree to which growing demand for homes drives price increases depends on supply. For the study, the first of its kind in Canada, the Fraser Institute evaluated the impact of land-use regulation on housing supply in 68 Canadian markets. It looked at five measures of regulation including approval timelines, timeline uncertainty, the impact of municipal councils and community groups, rezoning, regulatory costs and fees, as well as their effect on supply. Not surprisingly, the study found that those cities with the most regulation, such as Toronto and Vancouver, had less growth in housing supply and surging prices. The report says long and uncertain project approval timelines have the most detrimental impact on supply. Increasing the time it takes a builder to obtain a permit by six months reduces the growth of new housing by more than half. These findings support what BILD has been saying about delays in the approvals process. Development approvals within the GTA can take as long as 10 years and these delays add to the growing price of new homes. The industry has long pointed to simplifying and streamlining 10â&#x20AC;&#x192;YPNEXTHOME.CA

the planning approval process by removing red tape and updating zoning bylaws across the region as some of the things that governments could do to start to address housing affordability. The report recommends reforming municipal regulation to encourage more building. It says that simplifying the building permits process where housing demand has grown could lower homebuilding costs, increase supply and help reduce home prices. As part of the research for the report, the Fraser Institute surveyed developers to gauge the impact of uncertainty in approval timelines. They found that higher than average levels of uncertainty discouraged development drastically and reduced supply of new housing by half. Opposition from council and community groups was identified by the study as a substantial contributor to decreasing supply. BILD has pointed out on numerous occasions

that much of the opposition to development in the GTA is due to a disconnect between public policy and public perception. Provincial policy mandates intensification, which there is little public understanding of and even less support for. We continue to encourage governments to educate the public on how and why their neighbourhoods are changing. The report also pointed out that housing affordability in the GTA is a relatively new issue. Prior to 2009 Torontoâ&#x20AC;&#x2122;s housing prices grew slower than the rest of urban Canada, said the report, whereas since 2009 prices have grown faster than any other urban centre. Bryan Tuckey is president and CEO of the Building Industry and Land Development Association and a land-use planner who has worked for municipal, regional and provincial governments. Follow him on Twitter @bildgta, facebook.com/bildgta, and bildblogs.ca

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Advice | FUNDAMENTALLY SPEAKING

Window of opportunity Mortgage rates remain at historical lows, so take advantage while you can – but carefully By Wayne Karl

LOW RATES continue to dominate in

the mortgage world, after the Bank of Canada dropped its influential overnight target rate – not once, but twice – last year. In its latest announcement on July 13, the BoC again held the rate at 0.50 per cent – where it has been since the previous July. BoC had earlier dropped the rate from 0.75 per cent, where it had been since January 2015, when the Bank dropped it from one per cent. Clear as mud? Just a bunch of numbers, right? Perhaps, but some experts are now saying rates won’t begin to inch up from these historical lows until well into 2017. While the BoC may have held rates in July, it also took the opportunity in its Monetary Policy Report at the time to repeat an earlier warning about the housing market. The Bank intimated a need for action to tackle rapid house price increases in Vancouver and Toronto, citing “elevated and rising” risks. Canada Mortgage and Housing Corp. (CMHC) followed that up in its Housing Market Assessment, reporting that evidence that problematic conditions in Canada’s housing market as a whole has increased from weak to moderate. Continuing low rates mean the extended window of opportunity for those looking to buy a home remains open. But so too does the likelihood that other policy changes or adjustments to mortgage regulations are coming. The time to prepare is now. If you could lock in at a low rate over 10 years, for example, that gives you the comfort of knowing what 12 YPNEXTHOME.CA

your mortgage payments will be over that period, while over that time you can also take advantage of any pre-payment and lump-sum payment options to pay down your mortgage. Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, some markets have recently experienced cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities. Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing. Experts stress that even as rates remain low, buyers should explore everything from putting down a larger

down payment to taking advantage of pre-payment options to “stresstesting” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances. One day, the mortgage landscape will change. And if you’re among those homeowners who have been somewhat spoiled by continuing low rates, you could be could be in for an unpleasant surprise. Take advantage of today’s low rates while you can, but also spend the time necessary to find a broker or banker you trust, who knows their business, and who can help you explore what options might be best for you. More so than in any other area of homebuying, you’re going to rely on this advice – now more than ever. It will prove to be time well spent. Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl

Advice | TARION REPORT

What is interim occupancy? By Howard Bogach

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHEN PURCHASING a brand new

condo, buyers are understandably excited to finally get the keys to their home. What some buyers may find surprising, however, is that their new home is not actually theirs yet. “Interim occupancy” allows a builder to finish construction on a project while also beginning an orderly move-in process for buyers. Homeowners often reach out to Tarion with questions on this topic. Some issues distort the intent of what is essentially a practical way to get buyers into their homes faster, while also allowing the builder to complete the project. While Tarion does not have oversight over interim occupancy (it is covered in the Condominium Act) it is part of the new home buying process, and can benefit from some clarification. After a building is declared fit for occupancy by the municipality, condo buyers can start moving in. This usually starts with the lowest floors, as the builder continues to complete suites on higher floors as well as the common elements. At this stage, buyers are not technically taking ownership yet. In fact, they may all have to wait for some time before they do. The benefit is that, in the meantime, buyers can enjoy their new homes as well as some of the buildings’ amenities. For people on the lowest floors, interim occupancy means they get to move into their homes sooner, but they will likely have a longer wait time before ownership title is actually transferred. In order to live in your new condo before you actually own it, the 14 YPNEXTHOME.CA

developer will charge an interim occupancy fee. This comprises three parts: interest on the unpaid balance of the purchase price; an estimate on the municipal taxes; and a projected common expense contribution. It’s a misconception that a builder profits or has any benefit to gain from extending this phase in the building of a condo. In fact, there are stipulations in the Condominium Act around the calculation of the occupancy fees which seek to prevent developers from making a profit in this way. Furthermore, it is in a builder’s best interest to transfer title as soon as possible. Builders make their money when they are able to provide title and register the project – which can only be done when the building is complete. Interim occupancy may last a while. Buyers, especially those on the lower floors, will likely see common areas incomplete, and some of amenities still be under construction. Nevertheless, since a municipal inspector will have already inspected the building and determined that it is fit for occupancy, the building should be safe to live in. If you feel your builder has moved you in to a new building that is not fit

for occupancy, call Tarion. We have helped homeowners in circumstances where we agreed that their building was not safe for occupancy, and have worked with builders to speed up some of the essential work. Finally, remember that interim occupancy is also an important part of the warranty process for condominiums. As soon as you are granted occupancy of your unit, your one, two and seven-year warranties begin. You can fill out your first warranty form within the first 30 days of occupancy. The warranty on the common elements of your building will not begin until your condominium is registered. When you do finally get to experience the “ownership” part of the new homeownership process, your building should be complete, your amenities ready to use and you can finally enjoy all the benefits of your new home. . 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.

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Trending

OHBA names finalists for 2016 Awards of Distinction THE ONTARIO HOME BUILDERS’

Association (OHBA) has named the finalists for its 2016 Awards of Distinction. Judged by a panel of industry professionals from across Canada, the entries encompass 39 categories of building, design, sales and marketing with submissions from all over Ontario. A complete list of finalists can be found at ohbaaod.ca Winners of the OHBA Awards of Distinction will be announced on Sept. 20 at the Blue Mountain Resort in Collingwood. This year marks the 25th anniversary of the OHBA Awards and the association will reflect on 25 years of building excellence, and the gala awards ceremony will highlight the 2016 OHBA Conference. In addition to the individual category awards, OHBA will also announce the winner of the coveted 2016 Ontario Home Builder of the Year. Finalists are: Minto Communities – BILD/Durham Region HBA/Greater Ottawa HBA Reid’s Heritage Homes – Guelph & District HBA/Waterloo Region HBA Tridel – BILD

16 YPNEXTHOME.CA

Finalists for the 2016 Ontario Renovator of the Year award are: Amsted Design-Build – Greater Ottawa HBA Eurodale Developments – BILD OakWood Renovation Experts – Greater Ottawa HBA OHBA also invites consumers to vote for the People’s Choice Award. Anyone can vote, including the general public, by visiting ohbaaod. ca/peopleschoice.php. People’s Choice Award voting goes from Aug. 16 to 26. Finalists for this award, which include the six best projects of the year in both the high- to mid- and lowrise categories, are: Branthaven Homes for: Lake House in Grimsby Fusion Homes for: Solterra Community in Guelph Great Gulf for: Summerlyn Village in Simcoe County Haven Developments for: SIX25BV in Toronto Minto Communities for: Bside at Minto Westside in Toronto Tridel for: Scala in North York

“The Awards of Distinction program recognizes excellence in building, renovations and sales and marketing in Ontario,” says OHBA President John Meinen. “The Awards program is an opportunity for the industry to come together and pay tribute to the creativity, design and technological advances that are happening at every level of building – from single-family homes to midrise and highrise projects. The building industry continues to be a major driving force in our province’s economy and OHBA proudly celebrates the achievements of our members.” The Ontario Home Builders’ Association is the voice of the building, land development and professional renovation industry in Ontario representing 4,000 member companies organized into 30 local associations across the province. Our members have built more than 700,000 homes in the last 10 years in more than 500 Ontario communities. The industry contributes more than $43 billion to Ontario’s economy annually, employing more than 325,000 people across the province.

Trending

Price of new lowrise homes more than doubles in last decade

THE AVERAGE PRICE of new lowrise homes in the GTA hit $887,543 in June, more than double the June 2006 average of $393,398, according to the Building Industry and Land Development Association (BILD). In the past 12 months alone, average prices for new lowrise homes – including detached, semi-detached and townhomes – grew by more than $100,000. In June 2015 the average price was $785,800. Prices of new highrise homes also reached record levels. The average price of highrise homes in the GTA in June was $469,516, up six per cent from the previous year and 1.5 times more than the $314,370 average of June 2006. The price per square foot in June 2016 was $587, also a new record. “The price of lowrise homes has 18 YPNEXTHOME.CA

grown exponentially as supply has dropped,” says Michelle Noble, BILD vice-president of marketing and communications. The number of new homes available for purchase in the GTA continues to decline. In June, the supply of new homes in builders’ inventory fell to 18,427. The lowrise market was a major factor in the decline as ground-related inventory hit a near record low of 2,064 homes. The highrise market also decreased, falling to 16,363. The supply situation was very different a decade ago. There were 29,968 new homes in builders’ inventory in June 2006, of which 16,560 were lowrise and 13,408 were highrise homes. Inventory of detached homes in the GTA fell to 1,002 in June, down

from 10,823 a decade ago. The average price of a detached home in the GTA in June 2016 was $1.06 million. In June 2006 the average price was $442,420. “Supply of new lowrise homes has declined dramatically in the last 10 years due to government policy and lack of available serviced land,” Noble says. “Demand for groundrelated homes is far outpacing supply, with some projects selling out just hours after launching. There were 4,166 new homes and condominiums sold in the GTA in June, down 22 per cent from the previous year. Lowrise sales declined 31 per cent to 1,671 homes while highrise sales fell 14 per cent to 2,492. A detailed breakdown of new-home sales in June is available below.

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Trending

Ontario could boost manufacturing sector by following Michigan’s example: Fraser Institute

TO REVIVE ONTARIO’S BATTERED

manufacturing sector, policymakers could learn a lesson from Michigan where manufacturing employment and output have rebounded strongly following the recession eight years ago, according to a new study released by the Fraser Institute, an independent, non-partisan Canadian public policy think-tank. “Michigan and Ontario have a lot in common, but while Michigan has revived its manufacturing sector since the recession, Ontario’s manufacturing sector continues to struggle,” says Ben Eisen, the Fraser Institute’s director of provincial prosperity studies and co-author of Ontario vs. Michigan: Policy Lessons from the Wolverine State. For much of the early part of this century, Michigan – home of the Detroit automakers – lagged behind both Ontario and the rest of the United States in terms of employment and economic growth. 20 YPNEXTHOME.CA

The Wolverine State was especially hard hit during the recession of 2008 when its economy contracted by almost three per cent and its population declined as residents left. Starting in 2011, Michigan’s state government introduced a suite of significant policy reforms designed to reverse the state’s decline. These reforms included: 1) replacing the complex and onerous Michigan Business Tax (MBT) with a simpler and flatter corporate income tax of six per cent, 2) implementing sharp budget cuts followed by a period of limited spending growth in order to balance its budget, and 3) the introduction of “right-to-work” legislation. The study shows that these reforms coincided with a remarkable economic turnaround, during which Michigan’s economy outperformed Ontario’s. One of the most important dimensions of Michigan’s economic turnaround has been the resurgence

of its manufacturing sector. From 2011 to 2014, manufacturing employment in Michigan grew at an average annual rate of 6.1 per cent while it actually shrank at an average annual rate of 0.5 per cent in Ontario. Michigan has also done a better job at balancing its books than policymakers at Queen’s Park. While Ontario has experienced a dramatic and economically harmful run-up in public debt since 2011, Michigan has seen a slight decline in net public debt. “In the face of daunting challenges, Michigan took charge of its economic future by implementing an ambitious reform package that has coincided with job growth and a lower debt burden,” says study coauthor Robert Murphy. “Although there are some factors beyond direct provincial control that influence economic performance, policy choices matter and Ontario should take note of Michigan’s reforms and its economic turnaround.”

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Yonge St. & Wellington St.

Brock Rd. & William Jackson Dr.

*Information correct at press time. Illustration is artistâ&#x20AC;&#x2122;s concept. E. & O. E.

TREASUREHILL.COM

Advice | STAT CHAT

Should you buy what foreign investors buy? By Ben Myers

MORE ADVICE ONLINE ypnexthome.ca/news/advice

YOU CAN’T READ an article about Canadian housing these days without the author talking about foreign investors' impact on the market. Purchases by international residents are more of a problem in the single-family market in the Greater Toronto Area (GTA), where there is a major shortage of supply, and prices are being driven up to new record highs on a daily basis. I have long contended that foreign buyers (estimated at five per cent to 10 per cent of new pre-construction condominium buyers) have been very positive for the new GTA highrise market, as they bridge the long gap between launch and occupancy in the market, and help bring forth relatively affordable rental supply. I recently took a course on Global Real Estate Trends at MIT’s Centre for Real Estate in Boston Massachusetts, as I’m always looking for new information, trends and expert analysis to apply to my examination and understanding of the Canadian and Toronto residential markets. In one of the lectures, my professor — who has a PhD in economics from Harvard — mentioned tips for understanding real estate markets. The two that stuck out were: markets tend to mis-price assets in marginal locations (leading to overpricing and over-construction), and the best bet are core assets with high location premium. This is how many foreign investors look at the Toronto condominium market, and perhaps 22 YPNEXTHOME.CA

it’s a good way for you to look at the market, too. Forget cheaper marginal locations, buy core assets. Great locations remain great locations, and there is no guarantee that a good location will become a great location. This is why so many foreign investors stick with great locations, because they know they’ll retain their values, and these areas are often the quickest to recover when a market does experience a correction (for example, the New York and San Francisco downtown condo markets). For years I’ve had to listen to people tell me that too many condos are being built, young folks don’t really want to live in highrise buildings and that investors would “run for the hills” as soon as the market showed even the smallest sign of a price correction. None of these dire predictions have even come close to occurring. In fact, investors are more bullish on the Toronto condominium market than ever before, and seeing the huge demand for privately held condos being rented out, institutions and pension funds want to build new rental apartments in the GTA. Many foreign and domestic investors have made a fortune betting on the urbanization of Toronto and people's

desire to live in dense communities with ample amenities. Buying real estate in great locations is a very long-standing investment strategy for many wealthy individuals and corporations across the globe. So should you buy condominiums like foreign investors? I would say yes (if you can afford to of course). Downtown mixed-use highrise projects within walking distance of transit and employment will continue to be the most desirable places to live, and the premium you pay now for the privilege to own a suite in these buildings will seem like peanuts 15 years from now. If you’re on the fence about buying a condominium as an investment property, track down a realtor with experience in the pre-construction market and pick their brain. There is a lot to like about the Toronto housing market, and many outside the GTA and Canada can see that quite clearly. Happy condo hunting. Fortress Real Developments partners with builders across Canada, and Ben assists in evaluating the market and projects that Fortress engages in. Follow his blog posts and commentary on the Canadian housing market at fortressrealdevelopments.com/news or follow him on Twitter at @benmyers29.

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Property Profile | FIELDGATE HOMES

Fieldgate Homes announces a new release of 38-ft. singles in Brampton Saturday, Sept. 10 at 11 a.m. ABOVE

The Cardinal A elevation, 2,010 sq. ft.

24 YPNEXTHOME.CA

TIME AND TIME AGAIN, when we ask our homeowners why they chose to buy a Fieldgate home, we get some pretty familiar answers. Many say that the deciding factor was Fieldgate’s award winning floorplan designs, while others say it was the beautiful master-planned community design. Whatever your reason for choosing Fieldgate, with New Releases coming soon to all three of our current new home communities, we’re confident that you will find a home that you’ll love in 2016 with Fieldgate Homes.

Valleylands – West Brampton Visit the sales centre on Saturday, Sept. 10 to see a new release of 38-ft. detached homes from the $800’s. Discerning homebuyers are going to like what they see when they discover these impeccably crafted luxury homes. At Valleylands, the best of west Brampton living is literally at your doorstep. 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, …continued on page 26

…continued from page 24

“At Valleylands, the best of west Brampton living is literally at your doorstep.” Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. Nature lovers can soak up the Credit River landscape at nearby El Dorado Park and golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance. If that weren’t enough, the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away.

Coming Soon – Stouffville, Kleinburg & West Whitby An all new release of 36-, 40and 50-ft. detached homes will be coming soon to Stouffville’s popular Blue Sky Community. In this popular community setting, GTA homebuyers have a lot to look forward to.

Impressions – Kleinburg There will be a new release this fall. Register for the next release at Impressions in Kleinburg, featuring a stellar collection of luxurious family residences in a charming village setting. Featuring exquisite single detached 38- and 44-ft. homes starting from more than $1 million, you can discover a lifestyle of true comfort and prestige in this exceptional family community. Throughout all of the GTA, there’s no place quite like the Village of Kleinburg. Perfectly nestled between the east and west branches of the Humber River, Kleinburg offers all the pleasures of small town life just minutes from the big city conveniences of Vaughan and the surrounding area. Vaughan’s many other charming neighbourhoods also offer convenient shopping destinations – such as Vaughan Mills – boasting 26 YPNEXTHOME.CA

a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and 407 all just minutes away. Our next master-planned community is Whitby Meadows. It will feature an exceptional selection of 30-, 36-, 42-ft. single

detached homes, semis and freehold townhomes in west Whitby’s finest natural setting. To register for the next release at any of our three current communities, please visit fieldgatehomes.com

Advice | MORTGAGE ADVICE

3 things to consider for your first mortgage By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHILE THE PROSPECT OF HOME

ownership is exciting, securing a mortgage can be overwhelming for first-time homebuyers. There are many things to consider and unraveling the process can be complicated. If you’re in the early stages of buying, ask yourself these questions to make the dream of home ownership a reality. How much can I afford? Every prospective first-time homebuyer asks the question: “How much can I afford?” While factors like income, credit history and employment play a role in the amount that can be borrowed, many lenders use two simple calculations to gauge how much to lend: The gross debt service (GDS) and total debt service (TDS) ratios. The GDS ratio is made up of potential housing costs, which includes mortgage payments, property taxes, and utility costs. The combined sum of these monthly expenses shouldn’t exceed 32 per cent of monthly income before taxes. The TDS ratio adds all other forms of debt into the GDS ratio. Loans, lines of credit, car payments and credit card balances all apply. The second rule of affordability is that your entire debt load shouldn’t be more than 40 per cent of your gross monthly income. It’s important to note that these 28 YPNEXTHOME.CA

percentages are maximums and lower ratios result in a more comfortable lifestyle. Use these calculations to help determine your purchase price limit. A mortgage affordability calculator can help you determine how much you can afford before visiting your lender. What about the down payment? Down payments provide security to lenders and are expressed as a percentage of the total value of the home. Homebuyers are required to put a minimum five per cent% down payment on any property under $500,000. For properties costing between $500,000 and $1 million, you need to put down five per cent on the first $500,000 and 10 per cent on the remaining amount (for example, on a $600,000 property, you’d need to put down $35,000). If you put down less than 20 per cent, you’ll need to pay mortgage default insurance, which is commonly known as CMHC Insurance. But if you purchase a property that costs more than $1 million, you need to make a minimum 20 per cent down payment and you don’t need mortgage default insurance. While typical down payments come from cash savings, government programs can help. If you’re a first-time homebuyer, you can take advantage of the Home Buyers’ Plan (HBP), which allows up to $25,000 saved in an RRSP to be withdrawn tax-free. If you’re buying with a partner who’s also a first-time homebuyer, they can also withdraw up to $25,000. The HBP is considered a loan and you must start repaying it two years after you withdrew the money over a 15year period. If you miss a payment, the amount you don’t pay back is considered taxable income.

Can I pay off the mortgage faster? Large down payments have the benefit of reducing monthly payments over the amortization period, or the time it takes to pay off the entire mortgage. Most mortgages are amortized over 25 years. Reducing the amortization period to 15 or 20 years will mean your regular payments will increase but you’ll pay off your mortgage faster and save thousands of dollars in interest payments. Prepayment options can help further reduce the mortgage before the full length of the amortization period. Depending on the type of mortgage, lenders will let you increase your monthly payments or allow lump-sum payments. And instead of making monthly payments on your mortgage, you can choose to make them weekly or accelerated biweekly. This can reduce the amortization period by a few years. The bottom line Debt service ratios can help to determine the right price, while a higher down payment and additional prepayments can serve to reduce the amortization period. Striking a balance between price, payments and amortization is the key to affordable homeownership. Alyssa Furtado is founder and CEO of RateHub.ca, a website that compares mortgage rates, credit cards and deposit rates with the goal to empower Canadians to search smarter and save money.

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Property Profile | STAFFORD HOMES & THE GOLDMAN GROUP

cover story

Downsview Park luxury townhome collection to be released this fall IF YOU’VE BEEN KEEPING UP WITH

what’s happening on Toronto’s urban development scene, you will have noticed Downsview Park making headlines, and for good reason. This urban, contemporary development delivers the best of the city while providing you with comforts more typical of suburban living. Ranging in size from 2,970 to 3,150 sq. ft., including lower levels, these three- and four-storey townhomes live up to Stafford’s strong reputation for high-quality, 30 YPNEXTHOME.CA

beautiful designs and efficient living spaces. You have the choice of three to six bedrooms, including a full-floor master retreat if you prefer. Great attention has been spent on the details and finishes, from nine-ft. ceilings and hardwood floors to granite counters and stainless appliances in the kitchen – and that’s before upgrades. The design consultants at Stafford’s Design Studio will ensure your home is completely personalized.

Building luxury, sustainable, Green homes that put homeowners close to the action without a commute is a rare opportunity, which is why Stafford Homes jumped at the chance to develop this community. “We’ve designed our new townhome collection while keeping in mind what makes people happy,” says Jonathan Goldman, president of Stafford Homes. “We’re not manufacturing a product here. We’re building spaces that influence how people live their lives and raise

“Stafford’s new development is where luxury homes, schools, parks and community spirit meet city living. Providing fast and easy access to downtown, you’ll find Hwy. 401 just minutes away, connecting you with the Don Valley Parkway or Hwy. 404 if the north is calling.”

Location

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Stafford Homes & The Goldman Group Development

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their families; a lifestyle that will shape the future of homeowners by its proximity to parks, schools, shopping, theatres, restaurants… It’s about the bigger picture.” Private, green backyards and garages are a big perk of this collection, one that’s almost never found beyond the urban sprawl. Just steps away from your private backyard is a neighbourhood park, complete with play structure, splash pad and more. That’s in addition to Downsview Park, a dynamic outdoor

park that reflects the diverse nature of the surrounding area and plays home to a plethora of educational, sports and cultural events. Stafford’s new development is where luxury homes, schools, parks and community spirit meet city living. Providing fast and easy access to downtown, you’ll find Hwy. 401 just minutes away, connecting you with the Don Valley Parkway or Hwy. 404 if the north is calling. And Downsview Park subway station, now under construction, is just

five minutes away. From there, Yorkdale’s world-class shopping experience is two subway stops away, Bloor and Yonge 11 stops away, and Union Station 15 stops away. By the end of 2017, York University will also be a five-minute train ride away. Only 155 townhomes make up this exclusive collection, making this an excellent investment opportunity for now and the long-term. Reigster at staffordhomes.ca AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 31

Trending

Residential construction a huge contributor to economy: CHBA

THE CANADIAN HOME BUILDERS’

Association (CHBA) has released its report on the 2015 Economic Impacts of Residential Construction. The new estimates show that, in 2015, the industry supported more than one million jobs in new home construction, renovation and repair and continues to be one of the largest employers in Canada. One of every 18 workers in Canada is employed, directly or indirectly, in residential construction. Total wages paid in 2015 were $58.5 billion. 32 YPNEXTHOME.CA

The investment value of new homes, renovations and repairs produced by the industry in 2015 exceeded $128 billion, based on Statistics Canada Building Permits data. Commenting on the 2015 results, Kevin Lee, CHBA CEO notes that, “at a time when many sectors of Canada’s economy continue to be challenged, it is reassuring to see that residential construction continues to be an important source of jobs, incomes and economic activity in every

community across the country.” At the national level, construction of new homes represented 46 per cent of total residential investment, while renovation and repair of existing homes accounted for 54 per cent. Each year, CHBA produces detailed economic impact data for the residential construction industry, drawing on data compiled by Canada Mortgage and Housing Corporation and Statistics Canada. Analysis is conducted by Will Dunning Economic Research for the CHBA.

design is everything. Mount Albert’s first family-sized townhomes. Averton is proudly writing a new page in the history of Mount Albert, with a unique collection of up to 3 bedroom townhomes that can be found amidst the rolling hills and countryside north of Toronto.

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Trending

More Canadian housing markets edge into risky territory By Wayne Karl

DISCUSSION ABOUT CANADIAN

housing markets has been dominated by hot cities such as Toronto and Vancouver in recent months, but hot is edging into overheating, and it’s a problem. And it’s not just those two markets anymore. Evidence of problematic conditions in Canada’s housing market as a whole has increased from weak to moderate, according to the latest Housing Market Assessment (HMA) from Canada Mortgage and Housing Corp. (CMHC). In Vancouver, there is now sufficient evidence to raise the overall assessment of problematic conditions 34 YPNEXTHOME.CA

in the housing market to high. The HMA is intended to serve as an early warning system, alerting Canadians to areas of concern developing in housing markets so they can make better informed homebuying decisions. CMHC defines evidence of problematic conditions as imbalances in the housing market, caused by overbuilding, overvaluation, overheating and price acceleration, or combinations thereof, which are significantly above historical averages. “For Canada overall, we now detect strong evidence of overvaluation,” says Bob Dugan,

chief economist, CMHC. “As a result, our overall assessment has moved from weak to moderate since the last report (April). Moreover, the greater range of evidence of problematic conditions in Vancouver has led us to conclude that there is now strong evidence of problematic conditions in our overall assessment of the Vancouver housing market.” Other report highlights include » Overvaluation and overbuilding remain the most prevalent problematic conditions observed across the 15 centres covered by the HMA. » Strong evidence of problematic

“Oshawa is the hottest market right now – listings-to-sales ratios are over 75 per cent – attracting first-time buyers and others, since the price point is about 50 per cent lower than average prices in Toronto.” CMHC Housing Market Assessment, April-July 2016 OVERHEATING

OVERVALUATION

OVERBUILDING

ACCELERATION Apr 2016

July 2016

Apr 2016

July 2016

ASSESSMENT Apr 2016

July 2016

Apr 2016

July 2016

Apr 2016

July 2016

CANADA Victoria Vancouver Edmonton Calgary Saskatoon Regina Winnipeg Hamilton Toronto Ottawa Montreal Quebec Moncton Halifax St. John’s Evidence of problematic conditions

conditions is seen in Vancouver, Toronto, Calgary, Saskatoon and Regina. In Toronto and Vancouver, this is due to the combination of price acceleration and overvaluation. In Calgary, Saskatoon and Regina, this is due to the combination of overvaluation and overbuilding. » Moderate evidence of problematic conditions is also seen in Edmonton, Winnipeg, Hamilton, Montreal and Quebec. » Evidence of overvaluation has increased in Hamilton. » Overall evidence of problematic conditions has decreased in Ottawa.

Weak

Moderate

Strong

In Vancouver, it’s not just single-family homes that are showing evidence of overheating. The worrisome characteristics are also surfacing in townhomes and condos. “We’re seeing moderate evidence of overheating and price acceleration in Vancouver because supply is not keeping pace with demand,” says Robyn Adamache, principal market analyst for Vancouver, CMHC. “We’re also continuing to see strong evidence of overvaluation mainly because single-detached home prices are higher than those supported by economic fundamentals.”

Canada’s other ultra-hot market, Toronto, is causing a spillover in adjacent areas. Since 2013, migration patterns have shown that Hamilton, for example, is attracting buyers who have been priced out of the Toronto market, in search of more affordable homes. Durham Region is benefitting from a similar trend, says Dana Senagama, principal market analyst for Toronto. “Oshawa is the hottest market right now – listings-tosales ratios are over 75 per cent – attracting first-time buyers and others, since the price point is about 50 per cent lower than average prices in Toronto.” AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 35

Advice | QUICK TIPS

A place for everything and everything in its place

By Hellen Buttigieg

MORE ADVICE ONLINE ypnexthome.ca/news/advice

RANDOMLY TUCKING things away in spots that are convenient at the moment just won’t do. If things don’t have designated homes, they never get put away properly, making them all but impossible to find the next time they’re needed. Find the right spot for everything that comes into your home, share the organizational tactics with your family and stop being a human directory for everyone and everything in your home. Organizing your home Designate a basket or drawer as your household’s “lost and found” area. Deposit any stray items like bobby pins, sunglasses, earrings, etc. It’ll soon become the first place family members look for missing objects. What did I do with that manual? Have you added new appliances and electronics to your home recently? Staple the receipt and warranty to the instruction manual and tape it to the bottom of the item so it’s easy to find if you need to refer to it. For portable items like cell phones and MP3 players, store the manuals in an accordion file by category. Where’s the remote? Use Velcro to attach the remote to the side of the television set when not in use and never waste time searching for it again. Or, consider purchasing an electronic remote finder that makes a loud, distinctive sound to help you find it (this also works for keys). 36 YPNEXTHOME.CA

Where are my keys? Choose a “home” for your keys and get into the habit of always keeping them in that spot. Hang them on a designated hook or toss them in a bowl. Leave a copy of your keys with a trusted neighbour. Everything needs a home Whenever you bring a new item into your home, immediately find a permanent place for it to live. To help you determine the best spot for it, ask yourself what else is like it, and where (and how often) will you use it. Store similar things together, and store items near their place of use. Items used daily should be placed in the most accessible areas (within arm’s reach), whereas seldom-used items can be stored in out-of-the-way spaces. Keep a label maker handy to label drawers, shelves and containers

so you don’t have to rely on your memory when you need to find something quickly. Organizing your life Time spent relaxing is not time wasted. Give yourself permission to enjoy several agenda-free days. Leave your e-mail and cell phone behind and delight in some of life’s simple pleasures without interruption. This is especially crucial if you are selfemployed and your boss is a tyrant! We can’t get very far in life on an empty fuel tank; we have to get off the busy highway once in awhile to refill it. Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the best-seller, Organizing Outside The Box. For tips on getting organized, visit weorganizeu.com and sign up for the free newsletter.

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STARTING FROM THE MID $800’S At Trafalgar Ridge, Dunpar Homes combines its award-winning luxury town designs with Oakville’s urban prestige. The exclusive community boasts three bedroom, spacious townhome designs, each featuring two-car garages, unmatched landscaping and a plethora of luxury finishes.

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Property Profile | DUNPAR HOMES

Dunpar Homes Your hedge against housing inflation IN THE PAST FEW MONTHS, Toronto’s

real estate market has become crazy hot. Escalating prices from wild bidding wars have put lowrise homes out of reach for many families. The situation has caused a shortage of supply since many homeowners are reluctant to sell for fear of not finding an affordable replacement. As for condos, the prices have remained the same, but the square footage has dropped. Besides, not everyone wants to live in a condo. The townhome is an attractive alternative, giving tons of space and coming in at a doable price point because smaller footprints mean lower land costs. Trafalgar Ridge, for example, is an exclusive Oakville 38 YPNEXTHOME.CA

enclave of 112 luxury townhomes by Dunpar Homes. Thanks to the smaller footprint – several large lots combined to create the townhome enclave – it’s in a premium location close to shopping, great schools, greenspace and major transportation routes. Even though the townhomes are considered luxury real estate – and they’re in an area with skyrocketing prices – they represent good value for money, with substantial square footage (1,940 to 2,800 sq. ft.) and priced from the $700’s. Location, location, location Trafalgar Ridge can’t be beat for location: walking distance to Oak Park

Plazas at Trafalgar and a short drive to Oakville Place; easy access to the major transportation routes of QEW, 401 and 403, as well as local transit and GO Train; and walking distance to Sheridan College. The site was chosen carefully and intentionally, abiding with the builder’s mission to create vibrant and sustainable communities in hubs with all amenities – shopping, good schools, greenspace, transit and highways. Residents of Trafalgar Ridge also have a huge selection of nearby parks – Castlefield, Oak Park, Laurelwood and Pelee. Dunpar is committed to creating communities where families can thrive, raise their children in safety,

Location

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Trafalgar Ridge Home Type

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with access to good education and a healthy amount of outdoor activity. It’s been well documented that access to nature is beneficial for health and well-being, reducing anxiety, increasing ability to study and positively affecting physical health as well. While greenspace is plentiful, the location is near enough QEW, 401, 403, and the Oakville GO Station, for convenient commuting to Mississauga, Toronto, Burlington. Luxury on a dime Because a goal of Dunpar Homes is to build within the context of the chosen community, the Georgian style design of Trafalgar Ridge is deliberately consistent with the surrounding neighbourhoods. Exterior features also reflect the high-end feel of the neighbourhood – community landscaping, two-car garages, custom natural Indiana limestone, natural stone planter boxes and artisan hand-tumbled clay bricks for an authentic texture. Most of the luxury isn’t visible from the street, though. At 1,940 to 2,800 sq. ft., the townhomes are luxurious with space. And John Zanini, CEO of Dunpar Homes, personally oversees the space planning at the architectural design stage. “I’m basically a professional space planner, and like to build from the inside out with every square inch planned to work,” he says. “The master can easily fit a king bed with two end tables and still allow for circulation. All spaces have been planned to work in a

generous manner.” Among the interior features are ceiling heights of 9.5 ft. on the main floor, kitchens with granite or marble counters, smooth ceilings throughout, quality custom cabinetry and stainless steel kitchen appliances, a master ensuite with double sinks and marble counters, efficient HVAC system and above-code insulation. The low cost of low maintenance Another hidden benefit of townhomes is how low maintenance they are. Less yard to worry about but still excellent outdoor access to tons of local parks. And Dunpar has

taken low maintenance to another whole level because part of your luxury living package at Trafalgar Ridge includes outdoor landscaping and snow removal. Trafalgar Ridge is under construction and occupancy is scheduled for the early 2017. Limited Time Upgrade package included with your new home. Call for details. For information on Trafalgar Ridge, visit us online at dunparhomes.com Sales office is by appointment only. Please call 416.318.9112 to schedule an appointment. AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 39

Advice | CLEANING ADVICE

4 disgusting things you’re doing at home unknowingly people, pet hair, fungus, dust mites, allergens, food and dirt from the outside. “Carpeting is 4,000 times dirtier than the toilet seat. Just think about pets coming in from a walk or out of a litter box.” The fix: Use a good vacuum, preferably with a HEPA filter or a central vac. Steam clean carpeting once or twice a year, but not more. Too much moisture can encourage mould growth under the carpet.

By Elisa Krovblit

MORE ADVICE ONLINE nexthome.yp.ca/news/advice

AN EXPERT ON THE chemistry of

clean, Kim Dunn holds a degree in industrial microbiology and owns a Molly Maid franchise. She spoke with us about the disgusting things we’re doing at home – and it has us changing our ways. The first thing you need to be aware of, explains Dunn, is fomites. “Fomites are any contaminated inanimate object. We are surrounded by fomites – germ-holding things,” she says. So what are the worst culprits? You’ll be surprised – and more than a little grossed out by the things you’ve been doing. Disgusting thing you’re doing #1: Sponges The gross factor: A sponge has 10 million bacteria per square inch. “It’s as dirty as it smells!” she says emphatically. “It’s loaded with bacteria – Salmonella, E. coli, Pseudomonus – and has a surface area 1,000 times that of a cloth. Just think of all of those nooks and crannies. The toilet seat is cleaner than a cutting board wiped down with a dirty sponge – the sponge is 200,000 times dirtier,” says Dunn. The fix: It’s always moist and damp – and a rinse isn’t a cleansing,” she explains. Use a micro fibre cloths, which does the job and is much more sanitary. If you insist on using a sponge for more than a day or two (Dunn’s staff are instructed to toss sponges after two days) then you 40 YPNEXTHOME.CA

Disgusting thing you’re doing #4: The TV remote need to disinfect them with one of these three methods: 1. Run them through the dishwasher 2. Soak them in a concentration of one part bleach to nine parts water for at least five minutes 3. Boil them in a pot of water at 60 C for five minutes (in the microwave or on the stove). Disgusting thing you’re doing #2: The loofah Exfoliating is over-rated, but if you must do it, ditch the loofah and go with a body wash that includes an exfoliant. The gross factor: A person sheds 1.5 million skin flakes an hour. “Guess what’s stuck on that loofah? Staph aureus is a common bacteria on the skin, but Staph A on the inside isn’t a good thing.” The fix: You can’t bleach it, the best you can do is soak it in a 50/50 mixture of vinegar and water for at least an hour. It’s always in a humid area; if you have to use one, hang it up to help it stay dry between uses. Disgusting thing you’re doing #3: Wall-to-wall carpeting The gross factor: It’s a botanical zoo. Skin cells multiplied by the number of

The gross factor: They’re dropped on the floor, get sat on by people and pets, stuffed into dirty crevices of the couch and constantly touched by everyone in the family – and more often than not have grease stains (we don’t wash our hands when eating popcorn and change the channels). If we want to continue with the toilet seat comparison, the TV remote is about 4,000 times dirtier than the toilet seat. And if you haven’t wiped it down since the day you brought the TV home – then much, much dirtier. The fix: Once a week take a cloth slightly moistened with alcohol or a disinfectant cloth like a Lysol or Clorox wipe and wipe down the remote. In fact, the grunge factor goes for all the remotes in your home, plus things like the computer keyboard, the light switch and any other surface you constantly touch – however briefly. In love with design and decor, Elisa is senior editor of Condo Guide, Home Decor & Renovations, Renters Guide and Commercial Investor. When not searching out some unusual solutions to her century home’s reno projects, she’s busy discovering the next best thing in Toronto. Elisa.Krovblit@ypnexthome.ca

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Trending

Why you should be excited about Toronto’s Rail Deck Park By Wayne Karl

PICTURE THIS: a huge swath of parkland – 21 acres – built overtop a fully active rail corridor. No, this is not in Chicago or New York. It’s Rail Deck Park in Toronto. Toronto Mayor John Tory and Councillor Joe Cressy recently announced the City of Toronto’s intention to protect more than 21 acres of land in the downtown core for the future development of the iconic city park. The initiative is part of the City’s TOCore project, a response to the rapid development and intensification of the city’s downtown that is placing pressure on physical and social infrastructure. Toronto’s western rail corridor, from Bathurst Street to Blue Jays Way, represents the last opportunity to create a significant signature park to serve the growing downtown population and create a legacy for future generations of city residents and visitors, the City says. “Great cities have great parks,” says Tory. “As Toronto grows, we need to take bold action to create public space and make sure we build a city that makes future generations proud. This is our last chance to secure a piece of land that could transform the way we experience our city.” “Such a forward-thinking initiative would be a game changer, not only for downtown Toronto, but for all of Toronto,” Jeanhy Shim, industry consultant and president of Housing Lab Toronto, told New Home Guide. For downtown Toronto condo residents, such a park would provide a significant amount of greenspace, which is badly needed, she adds. Currently, the Toronto Islands, Coronation Park, Trinity Bellwoods or Corktown Common are the only large downtown parks, but really not enough for the explosion of condo 42 YPNEXTHOME.CA

units and residents who live and work in the downtown core. The thousands of condo unit owners and prospective buyers in the area should definitely be excited by the prospect of Rail Deck Park, says Pauline Lierman, director of market research at Urbanation Inc., a Toronto condominium market research and analysis firm. “The potential from a real

estate perspective is strongest for resale values in the CityPlace neighbourhood as it nears buildout (about 1,536 units are still proposed there). But it will also mean substantially more for new sites representing further densification,” such as The Well and additional sites off Wellington Street, King Street and surrounding Liberty Village. “The current park at CityPlace is

“The population of downtown Toronto has the potential to nearly double to 475,000 people by 2041”

well-loved, as are the many parks in the immediate area. This will go a long way to alleviating stress on them, plus adding further appeal to the area. It will also help bridge the areas north and south of the rail lines in a permanent way. This is one aspect that hurts the downtown – transects from both the rail corridor and the Gardiner. All this feeds into stronger demand to live nearby.”

There’s also an important lifestyle benefit, Shim says. “As condo units, (and their so-called balconies, are getting smaller downtown, parks are an essential extension of one’s living space, especially for downtown dwellers. Access to nature is important for human health and well-being, not just in the obvious physical benefits of having a place for sports and recreation, but also

important for mental and emotional well-being.” The population of downtown Toronto has the potential to nearly double to 475,000 people by 2041, the City says. This population growth is propelled by people choosing to live downtown, a part of the city that currently has one of the lowest levels of parkland. To protect the rail corridor, the City will have to secure the air rights and create an Official Plan Amendment to ensure it is developed for public use only. A long-term vision would see a park created from decking over the corridor, creating a marquee greenspace that will serve the high density surrounding neighbourhoods and help connect the city to its waterfront. “More and more families are choosing to call downtown home, and they need somewhere to play with their kids, enjoy the outdoors and relax with friends,” says Cressy. “Turning this underutilized part of our city into a beautiful and sustainable public space is truly a win-win, and will complement the transformative work being done with The Bentway and Fort York.” As for next steps, an interdivisional staff team will advance the Rail Decking Project and staff will report to the Executive Committee in September. If the plan goes ahead, Toronto would follow other cities that have successfully transformed rail corridors into iconic spaces, including Chicago’s Millennial Park, New York’s Hudson Yards and Manhattan West, New York. In Canada, the City of Vancouver recently agreed to purchase the Arbutus rail corridor for parkland. AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 43

Advice | MONEY MATTERS

Good reasons why you should not co-sign By Gail Vaz-Oxlade PEOPLE HAVE GOOD HEARTS. And people often feel they should do something to help friends and family when the going gets tough. Hey, I’m all for offering help when it’s needed. But you should consider any financial help you offer as a gift, since loans often cause huge problems when it comes to repayment time. Here’s a letter I received recently:

Gail, I need some help. I don’t know what to do. My sisterin-law and brother-in-law are constantly in a mess, financially. They have young kids, and both my husband and I love those children. We don’t want to see them lose their home. But I also am very afraid of how our help could hurt us. My sisterin-law has asked us to co-sign a consolidation loan to help them out of the mess they have made. She’s a rampant shopper. He can’t manage to make his business work. My husband wants to do it, but I’m afraid that if we do this it might get in the way when we go to buy a home next year. Am I just being selfish? –D

MORE ADVICE ONLINE ypnexthome.ca/news/advice

D, YOU ARE NOT BEING SELFISH.

Wanting to stay solvent is sensible, not selfish. Who is to say that another loan is going to solve the problem? What have your sister-in-law and brotherin-law done to demonstrate they’re serious about their debt problems? A consolidation loan is not enough. More reasons to think about cosigning for their consolidation loan: People who need a co-signer can’t qualify on their own because the lender believes they will default. I have heard of the odd positive cosigning experience like a young adult with no credit history whose parents sign because they know and trust their kid. But I’ve heard five times as many negative stories. If someone can’t qualify for a loan on their own, you have to wonder if you’re doing them a favour by adding more to their debt load. Co-signed debt is 100 per cent your debt. A lot of people don’t

realize this. If the primary borrower drops defaults for any reason, you are 100 per cent responsible. Co-signed debt is factored into calculations that determine if you get approved for any kind of borrowing, including a mortgage. So how do you say no to family or friends who see you as financially stable and a good resource for solving their problems? Try this… Tonya, Paul and I would love to help, but right now we’re not in a position to do so financially. We would be happy to sit down with you and Tony to talk about ways you could clean up the financial mess you’re in. We’d be happy to help in other ways, like taking the kids when you’re working to get that debt paid off. But we can’t co-sign right now. What else can we do to help you? If Tonya and Tony stomp out in a huff because all they want is your signature, count your blessings. It would only be a matter of time before that co-signed loan came between you anyway. At least now you’re not also on the hook financially.

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

44 YPNEXTHOME.CA

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Inspiration | DESIGNER SECRETS

How to choose...

FURNITURE FOR YOUR NEW HOME THAT FITS By Jane Lockhart

Much has been written in general terms about the importance of buying the right furniture for your home. But it’s my mission to provide the best, practical advice about shopping for the rightsized furniture so everything fits and functions properly. Basically, I’m going to divulge the design information you usually only get when you pay for it. Listen up. Although style selection can be challenging, when it comes to sofas, there are really only a few sofa styles. Some have fitted backs, while others are pillowed. Some have curved or rounded arms and yet other sofas have square arms. So select your style based on how you will be using the sofa.

46 YPNEXTHOME.CA

It’s all about the arms If you plan to entertain a lot and need a room to feel more open or casual go for a lower arm that’s the full depth of the sofa and square in shape. This won’t block natural light and it is the most comfortable arm for guests to use. If you plan to lie down a lot on the sofa (watching TV), use a rounded arm that is also a bit lower so it’s easier to rest a pillow against the arm for ultimate comfort. For formal entertaining which often happens in the living room a sofa with a higher arm keeps guests more upright and more forward facing. It’s harder to lean over and chat with someone else when the arm is higher so this styles works best when it’s set directly across from another sofa or set of chairs to keep conversation straight ahead, and back and forth.

Sofa or loveseat? The love seat, or two-seater, was popular decades ago when everyone “bought the set” and everything coordinated perfectly but today we tend not to decorate this way. Generally, we advise most customers to look for a full-sized sofa combined with a pair of chairs. This combo allows seating for the most number of guests during a large gathering. Whereas loveseats tend to be “oversized and underused” single chairs, with only one person using it at a time. It can also be too close for comfort for two people to share, especially if they don’t know each other well. The standard sofa has morphed into the sofa-chaise combo. Smaller than a sectional, it fits into a room generally the same way that a full

three-seater sofa does making it a very versatile piece. The sofa-chaise has one end of a regular sized sofa extended beyond a regular seat depth. It is usually about 56- to 60-in. long and acts as an ottoman, so one less piece of furniture is required. This also works as an additional seat for casual entertaining, guests will often perch on the end of the chaise as they would an ottoman. Standard sizes of furniture A typical sofa ranges in size from 84 to 88 in. Any longer than this range would be considered oversized by today’s standards. In the 1980s, sofas were up to 96 in. long, but with people living in smaller spaces in general, …continued on page 48 AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 47

“The key to measuring for your sofa is not just the sofa size itself but also the furniture that needs to go on either side of it.“ …continued from page 47

oversized furniture is not only less popular it’s also less useful. Condo sized sofas are about 72 in. long although some can be as small as 68 or as long as 76 in. The key to measuring for your sofa is not just the sofa size itself but also the furniture that needs to go on either side of it. Remember that you will need at least

24 in. or two ft. on either side of a sofa for a side table. Although a sofa size may seem small initially, by time you add other pieces around it will look right. Chairs tend to be in the same size category, from at the smallest at 30 to 36 in. wide, and about 32 to 36 in. in depth. Any smaller and the chair is either a dining chair or it wont be comfortable for really

hunkering in to read or watch TV. For tight spaces consider an armless chair, but remember this chair style may not work for long term sitting, most people prefer an arm to lean into. Size really does matter when selecting furniture. For more information, visit janelockhartinteriordesign.com

Jane Lockhart is founder and principal designer of Jane Lockhart Interior Design. She was creative director and host of W Network’s top-ranked show, Colour Confidential, and has a Canadian-built furniture collection, Jane by Jane Lockhart, by Statum Designs. Visit online at janelockhart.com

48 YPNEXTHOME.CA

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Trending

CRIME RATES

What are the safest cities in Canada? By Sonia Bell

TOP 10 SAFEST CITIES IN CANADA …and they’re all in Ontario and Quebec

QUEBEC

ONTARIO

1 6 9 4

Crime Severity Index 1. Quebec ............................. 41.8 2. Barrie ................................ 43.3 3. Toronto ............................ 45.7 4. Ottawa .............................. 46.5 5. Guelph .............................. 48.4 6. Sherbrooke ...................... 49.2 7. Hamilton .......................... 50.5 8. St. Catharines-Niagara ... 52.2 9. Gatineau ........................... 53.6 10. Saguenay .......................... 53.8

2 3

5 7

SOURCE: Statistics Canada

THE SAFETY OF AN AREA IS ALWAYS

top of mind when searching for a new home. Statistics Canada recently released their study on policereported crimes in 2015. The 2015 report examines the Crime Severity Index (CSI), which measures the volume as well as the seriousness of 50 YPNEXTHOME.CA

each crime in comparison to others. This year marked the first time in twelve years that Canada experienced an increase in the CSI – up five per cent year over year. The overall volume and severity of violent crime was up six per cent, while non-violent crime was up four

per cent. The significant increase in Alberta’s police-reported crime contributed to the national increase. On a positive note, however, the CSI is still 31 per cent lower when compared to ten years ago in 2005. This rise in the CSI is largely attributed to more incidences

“Saskatoon and Regina had the highest increase in CSIs, a trend that has sustained itself since 2010, with a 112.5 and 107.6 CSI respectively.”

Police-reported Crime Severity Index and crime rate, by census metropolitan area Crime Severity Index 2015

Crime Severity Index 2014-2015

Crime Rate 2015

Crime Rate 2014-2015

index

% change

rate

% change

Victoria

72.6

6,059

Vancouver

96.2

7,407

Abbotsford–Mission

96.2

7,452

Kelowna

98.0

8,170

Edmonton

101.6

7,625

78.3

5,279

Saskatoon

112.5

8,427

Regina

107.6

8,146

Calgary

0 0s

Winnipeg

87.2

5,738

Thunder Bay

80.1

-11

6,078

-6

Greater Sudbury

59.4

-3

4,319

-5

Barrie

43.3

-1

3,581

-5

Windsor

62.0

4,470

London

65.4

5,305

-3

Guelph

48.4

-1

3,811

Brantford

77.1

5,731

Kitchener–Cambridge–Waterloo

59.8

4,558

St. Catharines–Niagara

52.2

3,544

Hamilton

50.5

-1

3,483

-2

Toronto

45.7

2,892

Peterborough

55.0

4,287

-4

Kingston

56.5

4,793

-4

Ottawa

46.5

3,329

-2

Gatineau

53.6

-5

3,725

Montréal

59.1

-2

3,572

-4

Trois-Rivières

56.7

3,417

-2

Sherbrooke

49.2

-6

3,204

-3

Québec

41.8

-6

2,959

Saguenay

53.8

-3

3,194

-1

Saint John

56.3

4,693

-2

Moncton

78.5

6,771

Halifax

62.8

-5

4,819

-9

St. John’s

74.1

5,885

CANADA

69.7

5,198

True zero or a value rounded to zero Value rounded to 0 (zero) where there is a meaningful distinction between true zero and the value that was rounded

of fraud, breaking and entering, robbery, and homicide. Alberta experienced the largest increase, while other provinces including British Columbia, Ontario and Saskatchewan also experienced small increases. Overall, eight out of 13 provinces and territories reported an increase in the CSI by the end of last year. Out of the 33 census metropolitan areas (CMAs), 20 reported an increase in CSI. Moncton had a 20-per-cent increase in CSI, Victoria and Edmonton both experienced a 16-per-cent increase, and Abbotsford-Mission had a 14-percent increase. Calgary was up 29 per cent – the largest yearover-year increase. This jump was largely attributed to an increase of breaking and entering, theft under $5,000 and motor vehicle theft. These types of crime were also responsible for the uptick in New Brunswick, Saskatchewan and the Northwest Territories. Saskatoon and Regina had the highest increase in CSIs, a trend that has sustained itself since 2010, with a 112.5 and 107.6 CSI respectively. These cities also experienced an increase in traditional crime rate, which looks at the volume of police-reported crime relative to the population size, and led to a national increase of three per cent. The highest increases were found in Calgary, with a 25-percent increase, and Moncton, experiencing a 21-per-cent increase. However, similar to the CSI, crime rates have also been on a downward trend since the early 90s. In light of all these increases, what cities came out on top? Here are the top ten safest cities based on CSI. Interestingly, the safest cities all reside in Ontario and Quebec. AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 51

Trending

Toronto helps buoy Canadian home sales picture

HOME PRICES IN TORONTO

continue to play a large role in the performance of Canada’s housing market overall. According to the latest statistics from The Canadian Real Estate Association (CREA), national home sales declined for a third consecutive month in July 2016. But what’s going on in Toronto and Vancouver is quite another story. The national average sale price climbed 9.9 per cent in July from one year ago. But taking the Greater Toronto Area and Greater Vancouver out of the equation, it advanced seven per cent year-over-year. The number of homes trading hands via Canadian MLS Systems fell by 1.3 percent month-over-month in July 2016. With similar monthly declines having been posted in May and June, national sales activity in July came in 3.9 percent below the record set in April 2016. Sales activity was down from the previous month in slightly more than half of all markets in July, led 52 YPNEXTHOME.CA

by Greater Vancouver and the Fraser Valley. Transactions in these two markets peaked in February of this year, and have since then dropped by 21.5 and 28.8 per cent respectively. Accordingly, much of the national sales decline in recent months reflects slowing activity in B.C.’s Lower Mainland. “National sales and price trends continue to be heavily influenced by a handful of places in Ontario and British Columbia and mask significant variations in local housing market trends and conditions across Canada,” says CREA President Cliff Iverson. The number of newly listed homes rose by 1.2 per cent in July 2016 compared to June. While new supply climbed in fewer than half of all local markets, increases in Greater Vancouver and the Fraser Valley, Greater Toronto, Calgary and Edmonton outweighed declines in smaller markets. Two-storey single-family home prices continued to post the biggest year-over-year gain (15.9 per cent),

followed by townhomes (15.3 per cent), one-storey single-family homes (14.3 per cent) and condo units (11.1 per cent). Price increases continue to vary widely among housing markets. Greater Vancouver (32.6 per cent) and the Fraser Valley (37.6 percent) posted the largest year-over-year gains, followed by Greater Toronto (16.7 per cent), Victoria (17.5 per cent) and Vancouver Island (11.6 per cent). By contrast, prices were down -4.2 per cent and -1.5 per cent in Calgary and Saskatoon respectively. The national average price continues to be pulled upward by sales activity in Vancouver and Toronto, which remain two of Canada’s tightest, most active and expensive housing markets. The national average price for homes sold in July 2016 was $480,743, up 9.9 per cent year over year. If Toronto and Vancouver are excluded from calculations, the average price is a more modest $365,033 and the gain seven per cent.

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Trending

The short-term and long-term benefits of upgrades By Melandro Quilatan & Tania Richardson

WHEN IT COMES TIME to make

standard colour, features and finishes selections after purchasing a new home, buyers have the option of selecting upgrades as well. Is it wise to invest in upgrades, and if so, which are the best when it comes to your living comfort and resale value down the road? Nowadays, builders’ standard features are better than ever before — finishes that were once considered upgrades have become standard to most suites such as quartz slab kitchen countertops. However, as the level of standard material expectations have been elevated, so have the next level options. Therefore, upgrading is perhaps even more tempting. It has become a bit of a cliché, but today’s standards are the upgrades of yesterday. When buying pre-construction, however, choosing some upgrades may be a great decision on your part. Selecting an item that is of an even higher quality relates to better performance from that product. Longevity is an important characteristic of many upgrades. They may simply last longer, so having to replace them is not an issue for many years to come. They may also be more durable, which is significant if you have pets or children. As an example, upgraded flooring may have some protection against sun damage, off-gassing and daily use. Become informed about product selection as well. Flooring, which is so important to everyday life, deserves special consideration. Hardwood is an excellent choice, but some people still cling to the outdated belief that they would have to sand and refinish these floors in 54 YPNEXTHOME.CA

“It has become a bit of a cliché, but today’s standards are the upgrades of yesterday. When buying pre-construction, however, choosing some upgrades may be a great decision on your part.”

MORE TRENDING ONLINE ypnexthome.ca/news

the future. Unless the hardwood floors are site stained, there is no need to refinish them in the future. Developers and designers prefer pre-finished hardwood flooring for their inherent shop-finished protection, ease of installation and incredible resiliency. When it comes to desirability and resale value, hardwood is a definite plus, especially with people who suffer from allergies. They are also easy to clean. Heated floors are also great to invest in. So are automated shades and window treatments, especially with the massive expanses of glass in today’s architectural designs. It would be cumbersome to manually open and close draperies on large spans of wall-to-wall, floor-to-ceiling windows, so accomplishing that with the push of a button is great. Speaking of automated systems, you may be able to upgrade your unit to tie in

lighting, surround sound and security so that you can literally control your suite from a keypad or from your mobile. What a convenience! On the practical side, closet organization is a hugely popular upgrade today, especially with condominium suites being compact for affordability. Having a place for everything so each belonging can be in its place is a tremendous peace of mind. Today’s upgrades are also fashion forward and right in style. When it comes to return-on-investment, the focus should be on kitchens and bathrooms. Fully-integrated kitchen appliances reduce visual clutter and aesthetically expand the space. As suite designs tend to feature openconcept living areas that incorporate the kitchen, today’s appliances resemble furniture. Although stainless …continued on page 56 AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 55

…continued from page 55

steel still remains a favorite finish, panel ready fridges and dishwashers provide the “clean-line” aesthetic. Leading manufacturers tend to push the creative edge by breathing new life into coloured appliances — finished in unique ways. For example, Miele’s back-painted glass front faces. Any upgrade you incorporate now adds value when it comes time to sell. Resale consideration is important, but if you are going to live in your suite for years, remember to choose features, finishes and upgrades for your own enjoyment. Choosing upgrades at your colour selection appointment before the condo is built saves you money, mess and stress from having large elements upgraded in the future. At your colour selection appointment, ask your decor consultant for advice. These professionals are familiar with the choices, and they are experts at knowing which finishes will look amazing when combined. Certain levels of customization are necessary if your goal is to create something unique to you. Generally speaking, if you are debating whether or not to spend more on upgrades, remember that usually you get what you pay for! 56 YPNEXTHOME.CA

“Today’s upgrades are also fashion forward and right in style. When it comes to returnon-investment, the focus should be on kitchens and bathrooms.” Tania Richardson and Melandro Quilatan are Principal Partners in Tomas Pearce Interior Design Consulting Inc., which offers a complete range of interior design services, project management and interior styling to a multi-national clientele. They can be reached through tomaspearce.com

Trending

Foreign buyers’ tax in Toronto? Please, no: industry By Wayne Karl

NOW THAT BC HAS INTRODUCED

a 15-per-cent foreign buyers’ tax intended to calm real estate purchases by non-Canadian residents, speculation is rampant that similar legislation is coming to Ontario – or more specifically, Toronto. Ontario Finance Minister Charles Sousa, part of the committee announced by Federal Finance Minister Bill Morneau in June to look for ways to improve housing affordability in Canada’s hottest markets, has said he will be looking at the effectiveness of BC’s, as a possible measure to address eroding affordability in Toronto. And Prime Minister Justin Trudeau has repeated that tackling affordable housing is on his agenda. But like their counterparts in Vancouver, realtors in Toronto want nothing to do with such action. “I don’t know there was a need 58 YPNEXTHOME.CA

for it in Vancouver, as their market was already softening for the past three months,” Richard Silver, senior vice-president, sales, Sotheby’s International Realty Canada, told New Home Guide. “If you were to do this in Toronto, people would move to the suburbs even more. We need to keep an eye on what will happen in Vancouver as it may not solve the problem but create others. What happens to the ancillary industries if the building market shuts down? My concern is that this was a knee-jerk reaction for a political agenda not enough research.” The Toronto Real Estate Board (TREB) cautions that the Ontario government should review the issue of foreign purchasers in depth before making any policy decisions. “Government policy and tax decisions should be made in an informed manner,” says Jason

Mercer, TREB’s director, market analysis. “Currently, there is a lack of data on the rate of foreign ownership of real estate in Ontario. “Realtors are one of the best sources of information on real estate market conditions, and TREB is working to contribute to the discussion on this issue.” TREB will be surveying its members in the fall with regard to foreign buyers, and releasing the results of this publicly, Mercer says. “This data could be extremely valuable to the Ontario government and the federal working group before they make any policy decisions with regard to foreign buyers of real estate.” “Knee-jerk” is also how the realty industry in Vancouver describes the BC government’s action. “Housing affordability concerns all of us who live in the region,” says

“Very little good ever comes from knee-jerk political involvement in any marketplace. This ‘solution’ could cause a large number of unforeseen issues, and I don’t think enough research was done before implementing.”

the Real Estate Board of Greater Vancouver. “Implementing a new real estate tax, however, with just eight days’ notice and no consultation with the professionals who serve home buyers and sellers every day, needlessly injects uncertainty into the market.” Silver foresees similar challenges in Toronto, should a foreign buyers’ tax be implemented here. “There could be major repercussion to builders who have sold units in buildings to offshore buyers, who will now have to pay 15 per cent more than they agreed upon. You could have ﬂoors of buildings walking from their deposits rather than closing. “Very little good ever comes from knee-jerk political involvement in any marketplace. This ‘solution’ could cause a large number of unforeseen issues, and I don’t think

enough research was done before implementing.” Moreover, “targeting certain groups as unwelcome homebuyers is neither good for our communities nor the home building industry,” Katherine Perrott, urban planner and PhD candidate, Department of Geography and Planning, University of Toronto told New Home Guide. More creative, all-encompassing solutions should be considered, she says. “It has become commonplace to regard housing as a wealthgenerating investment in the GTA, where homeowners have been able to downsize or cash out of the market at great profit. Real estate speculation, by both domestic and international purchasers, compounds price growth where housing is an investment vehicle. Increasing housing prices in the GTA, Vancouver and other cities are presenting a

challenge to the Canadian ideal of homeownership and the housing and mortgage systems as we know them. “Instead of a ‘foreign’ buyer tax, a better alternative would be directing public funding, and the creativity of planners and housing industry professionals to develop innovative and affordable housing types and ownership models that meet the needs for housing-as-shelter, over and above housing-as-investment.” TREB also says that while foreign buyers may be contributing to the overall pool of buyers in the GTA and Ontario on a broad basis, the demand side of the price growth equation should not be considered in a vacuum. In particular, provincial and municipal land-use and tax policies that may be suppressing the supply of housing for sale could be having a very significant impact on the GTA market. AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 59

Advice | LEGALLY SPEAKING

Deciphering legal language Deeds, transfers, mortgages, charges, discharges and undertakings By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

FOR THE AVERAGE homebuyer, there are some legal terms that require translation. The Government of Ontario keeps records of every piece of property in the province. These records are called the “title documents.” The document on file that says who owns the property is called the “transfer” or “deed.” All of these documents are filed with the government — a process that is called “registering” the document. When a bank lends money and gets a record of this loan on title, the document is called the “mortgage” or the “charge.” When the charge is paid off, a new document is filed with the government office and it is called a “discharge.” If only part of the charge is paid off, a document called a “partial discharge” can be filed. There are many other documents, but these are a good starting point. Usually when a developer/builder starts a new project, he/she will go to a bank or other financial institution and just like you, arrange for a mortgage or charge. The difference, however, is that this can be a huge charge. As an example, the builder/developer may have a $50- or $60-million “blanket” charge applied to enable him/her to create and build the project. The next thing that happens is that the house or condo is built and sold, and it is time for closing. In the Agreement of Purchase and Sale will be a clause that will relate to the discharge of that part of the 60 YPNEXTHOME.CA

blanket charge which affects the property you are buying. The builders’ lawyers (the good ones, in any case) add the clause that the purchaser will accept the promise (undertaking) of the builder’s lawyer to register the partial discharge in a reasonable period of time, but will give on closing two important things: a) a letter (“discharge statement”) from the bank or other financial institution (“mortgagee” or “chargee”) setting out how much money has to be paid to the chargee to obtain the partial discharge; and b) a direction from the builder to the purchaser, telling the purchaser to pay the amount of money needed to obtain the partial discharge directly to the chargee. The clauses I will not accept stop with the purchaser being forced to accept the builder’s or the builder’s lawyer’s undertaking to register a partial discharge, without the other information. Now, I do not believe the builder or the builder’s lawyers who do not include this information would give the promise without meaning it, but what about things out of their control?

For example, if: » the builder goes bankrupt » the builder has a dispute with the bank » some other party seizes the money from the builder » the builder has an internal shareholders dispute and assets are frozen » the lawyer goes to Argentina with the money » the builder goes to Tahiti with the money If we had followed a) and b), none of that would matter. My complaint is that it does not cost the builder anything to give this peace of mind and security to the purchaser. It is just usually the fault of a lawyer trying to prove how good he or she can be. Watch for these tricky clauses and consult a lawyer, because only a lawyer can provide legal advice and care enough to catch these kinds of things. Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law LLP. Visit schwarzlaw.ca or email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

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Advice | MOVING ADVICE

Read and understand your contract for a successful move By Chuck Resnick

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THERE’S AN OLD RULE in business:

what is not in writing was never said. Although some agreements may need just a handshake, others that involve a multitude of variables require a contract so that all the parties understand what is expected of them. This is particularly true when you hire professional movers. You’re obviously the “who,” but we also need to know exactly “what,” “where” and “when” in order to transport your items to your new place. Within those general categories, there can be many details, and finding out about them on moving day is counterproductive. Think ahead. The first thing to do is find a reputable mover. You can check online with the Better Business Bureau or the Canadian Association of Movers, and of course, find out who friends and family members have used. Select a company that has a tried-and-true track record. Then ask questions — and remember that the movers should be asking you a lot of questions as well to determine exactly what the move will entail. When we meet customers to arrange their move, we need to know about everything they expect to take so that we can prepare as accurate an estimate as possible. In many ways, estimating is a science. Computers help, but the results are only as good as the information we input. Telling us on moving day that you forgot you want to take the shed in the backyard can 62 YPNEXTHOME.CA

hold things up for hours. It will also add to your costs. And speaking of costs, we need to know well ahead of time if you want us to provide the service of packing. Deciding this two days before the move likely won’t work. In addition, if we have quoted only on moving and not on packing, a new contract will have to be drawn up with a higher price. If you do the packing yourself, read the contract as to whether or how much your items are covered, should damages occur. We also need to know whether you have anywhere other than Point A to Point B in mind for moving day. If you forgot to tell us that your dining room set has to be dropped off somewhere else first, just like the meter running in a taxi, you will pay more for unexpected side trips. Plus, unless we know in advance, we may pack the dining room set in an awkward place for unloading part

way to your destination. Again, this will cost you time and money — two things that are precious commodities on moving day. It is our responsibility as professional movers to ask the right questions, but until we develop ESP, we need to rely on you to explain what you need from us. A contract protects you as much as the movers, but only if you read it, understand it and abide by it. At Two Men and a Truck Canada, we follow ‘The Grandma Rule’: We treat everyone the way we would want our grandmothers to be treated, with dignity, courtesy, respect, honesty and trust. We all want everything to go smoothly on moving day — and when we communicate and work together, it does! Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

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Neighbourhood Profile

West Queen West The home of the hip

Fast facts Average household income

$105,920

By Elisa Krovblit

Family structure

COUPLES

FAMILIES

52% 32%

SINGLES

16%

Own vs. rent

48% OWNERS

52% RENTERS

Education levels

MORE PHOTOS ONLINE

UNIVERSITY

HIGH SCHOOL

47%

30%

COLLEGE

23%

ypnexthome.ca/west-queenwest SOURCE: ENVIRONICS

WEST QUEEN WEST IS the strip

along Queen Street bound by Dufferin Street to the west and Bathurst Street to the east. Packed with independent boutiques and trendsetting style, the street is a mix of commercial and residential.

designer creations, and numerous galleries offer incredible talents, with both up-and-comers and artists of some acclaim. Bars and lounges are intermingled with tattoo parlours, fast food and fashionable dining rooms.

Lifestyle The lifestyle is “alternative.” There’s a strong sense of admiration for art and artists, with numerous galleries, performance venues and independent designers. Side streets and back alleys are filled with graffiti, but not just gang-style tags – it’s art.

Meet the neighbours The area attracts young urbanites. With the proliferation of bars, lounges and restos, there are the twentysomethings and thirty-somethings who are drawn to the nightlife. Though a lot of singles and childless couples, the area is family friendly to a degree, and becoming more so.

Vibe The area lives and breathes art, fashion, style and creativity. Shops offer trendsetting independent

In the area The area is a hub and has a bit of everything. Trinity Bellwoods Park is at the heart of the area —

“The area lives and breathes art, fashion, style and creativity.” a huge greenspace for enjoying time outdoors. Close to hospitals, CAMH is a prominent feature in this community. Planes, trains & automobiles The Queen Street streetcar runs 24 hours, making it easy to travel across the city or get to the subway. There is access to the Gardiner Expressway at the southern end of Dufferin, just south of the CNE grounds. Real estate Demand to live in this trendy neighbourhood is high. Prices trend upwards of average — especially for the luxury of space.

In love with design and decor, Elisa is senior editor of Renters Guide, Home Decor & Renovations, Condo Guide and Commercial Investor. When not searching out some unusual solutions to her century home’s reno projects, she’s busy discovering the next best thing in Toronto. elisa.krovblit@ypnexthome.ca

64 YPNEXTHOME.CA

AUG 20 - SEP 10, 2016

west region SHOWCASING NEW HOMES IN THE GTA’S WEST REGION

IN THIS SECTION

» MAPS AND LISTINGS FOR NEW-HOME COMMUNITIES IN THE WEST REGION » BUILDER NEWS AND THE LATEST IN NEW HOMES IN THE WEST REGION

Property Profile | THE DANIELS CORPORATION

Daniels FirstHome Sunny Meadow in Brampton First-time buyers, register now for a brand new exciting community coming this fall THE NEW HOME LANDSCAPE in

Brampton is about to become a hot destination for first-time homebuyers. Registrations are pouring in for Daniels FirstHome Sunny Meadow, The Daniels Corporation’s newest community under the company’s FirstHome banner. This much-anticipated homeownership opportunity at Sunny Meadow Boulevard and Sandalwood Parkway is well under construction and will go on sale this fall. The first release will include fullybuilt condominium walk-up and back-to-back townhomes priced from just $209,900. Yes – $209,900! And that is for homes built to Daniels’ legendary quality in an amenity-rich area. Parks, Professor’s Lake, schools 66 YPNEXTHOME.CA

and access to Hwy. 410 can all be accessed within minutes. The value is incredible. “The response we’ve had so far tells us that homes priced within the reach of first-time buyers continue to be in demand at this location,” says Daniels Vice-President Don Pugh. “Our first FirstHome Brampton community on Bramalea Road just north of Sandalwood Parkway was a massive success. Given the overwhelming response we have received for FirstHome Sunny Meadow, we expect these homes will sell out even faster, especially considering our FirstHome program is designed to help make the homeownership process easy and attainable.” It begins with remarkable price

points and the ability for first-time buyers to purchase with only five per cent down. At Daniels FirstHome Sunny Meadow, purchasers will choose from one-, two-, three- and three-bedroom plus den layouts. “What’s really great is that by building these homes before going on sale, we offer the opportunity to tour a model of each design at the Preview Event,” Pugh says. “This gives buyers tremendous confidence when they are selecting the right layout for their family needs. They can see, touch and feel the quality of the features and finishes that we include, and they can move in as early as 60, 90 and 120 days. And being able to move in within months rather than years is a real bonus for our homebuyers.”

Location

Brampton Builder

The Daniels Corporation Development

Sunny Meadow Home Type

Condominium townhomes in one-, two-, three- and three-bedroom plus den layouts from $209,900 Contact

905.460.9308 danielsfirsthome.ca

“What’s really great is that by building these homes before going on sale, we offer the opportunity to tour a model of each design at the Preview Event”

Pugh adds, “We know that coming up with a down payment is one of the biggest obstacles first-time buyers face. That’s why we introduced Daniels ‘Gradual Deposit Payment Plan.’ With this exclusive program, our clients only play $3,000 with the Agreement of Purchase and Sale, another $3,000 within 10 days of the purchase, and then $1,000 every month until they reach five per cent of the purchase price or final closing on their new home. And we also work with financial institutions to cap the mortgage rate and make qualifying for a mortgage more accessible, and the final piece of our program includes lifestyle incentives that help to keep your overall monthly carrying costs low. First-time buyers won’t find anything else like this in the GTA.” Named the 2016 Ontario Highrise Builder of the Year at the Tarion Homeowners’ Choice Awards, The Daniels Corporation (danielshomes. ca) is one of Canada’s preeminent builder-developers, building more than 26,000 new homes across the

Greater Toronto Area for more than 34 years. Among its many initiatives, Daniels was chosen to partner with Toronto Community Housing to revitalize Regent Park – 69 acres in Toronto’s Downtown East. Committed to community, Daniels offers innovative programs that help people achieve homeownership, champions neighbourhood initiatives that enhance quality of life, and supports numerous charities and non-profit organizations.

Sales at Daniels FirstHome Sunny Meadow in Brampton will be on a first-come, first-served basis. Be sure to register to receive an invitation to Daniels’ Homeownership Seminar later this summer, and an invitation to attend Daniels’ Preview Event this fall by calling 905.460.9308 or visiting danielsfirsthome.ca Stay up to date on this exciting new community by following Daniels FirstHome on Facebook and Twitter.

AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 67

Trending

Saving tips for first-time homebuyers

HOMEOWNERSHIP is a big dream

for many young Canadians, and is likely the single biggest investment most of us will make in our lives. While saving for a down payment can be challenging, Farhaneh Haque, director of mortgage advice at TD Canada Trust, says that young Canadians can save for a down payment a little quicker by following a few simple rules. “First, examine your budget and set a savings goal,” says Haque. “Take advantage of online budgeting tools to gain insights into where you spend your money. Also remember that in addition to your down payment, you will need to save for the additional costs involved with a home purchase, which include moving costs and legal fees.” Next, curb your spending and increase your savings. “Even a small adjustment in your spending habits can go a long way toward helping you save a bigger down payment,” 68 YPNEXTHOME.CA

“Even a small adjustment in your spending habits can go a long way toward helping you save a bigger down payment” says Haque. “For example, consider using transit to get to work instead of driving and paying for parking — it can really add up over time.” One of the most effective — yet overlooked — strategies is to put money aside before you can spend it. Haque suggests setting up a regular, pre-authorized transfer service that moves a specific amount from each pay cheque into a high-interest savings account. Making savings automatic is a simple and effective way to stay disciplined while saving for a down payment. Finally, Haque reminds first-time homebuyers that they may be able to take advantage of the federal government’s Home Buyers’ Plan. “Those who have been actively saving

for their retirement can access up to $25,000 from their RSPs to bump up their down payment when they purchase their first home. The RSP funds must be paid back within 15 years, so it is important to factor this repayment into your monthly budget.” For more advice on saving for a down payment,visit tdcanadatrust.com/homeownership

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AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 69

Trending

Reducing or eliminating debt is Canadians’ top financial priority: BMO STUDY

CANADIANS’ SINGLE-MOST important financial priority is to reduce or eliminate debt, according to a new BMO Wealth Management report. The Personal Balance Sheet examined how Canadians adapt financially as they move through different life stages – balancing saving, investing, borrowing and spending to reach their financial goals. The report found almost onethird (30 per cent) of Canadians said their single-most important financial priority is to reduce or eliminate debt. According to Statistics Canada, the debt-to-disposable income ratio 70 YPNEXTHOME.CA

was 165.3 per cent for the first three months of 2016. This is the amount Canadians owe for every after-tax dollar they earn, that is – $1.65 for every dollar earned. The BMO report found Canadians’ other financial priorities include:

• Effective investing and tax efficiency, 24 per cent • Saving more, 23 per cent • Budgeting, 14 per cent • Spending on personal needs or goals, four per cent Priorities shifted depending on the age of respondents. While the most

“Financial needs and goals are always changing as people move from one life stage to the next, so it’s important to have the flexibility to adapt your financial strategy accordingly”

“If you experience a financial setback, a financial professional can help you re-establish control over your finances by re-orienting your strategy” important priority for Boomers (ages 35 to 54) is to reduce or eliminate debt (34 per cent), the number one priority for Millennials (ages 18 to 34) is saving more (26 per cent). Canadians aged 55 and over prioritize effective investing and tax efficiency (29 per cent). “Financial needs and goals are always changing as people move from one life stage to the next, so it’s important to have the flexibility to adapt your financial strategy accordingly,” says Chris Buttigieg, senior manager, Wealth Planning Strategy, BMO Wealth Management. “It’s a good idea to re-evaluate your financial plan on a regular basis to ensure your saving, investing, borrowing and spending are in balance as priorities shift over time.” Conquering financial fears

The report also found that almost one third of Canadians (29 per cent) are concerned they will not be able to save enough to reach their financial goals. Millennials are more likely to have this concern (35 per cent) than Boomers (29 per cent). Canadians reported the following events had made it difficult for them to save or invest to achieve their financial goals:

• Stock market losses (36 per cent) • Failed business ventures (23 per cent) • Divorce or separation (18 per cent) • Financial loss on a property sale (13 per cent) “These types of financial losses weigh on people’s minds and may make them more tentative, fearful or hesitant to prepare for the future,” says Buttigieg. “If you experience a financial setback, a financial professional can help you re-

establish control over your finances by re-orienting your strategy. This can include introducing plans to reduce, consolidate or eliminate specific debts, or recommending different approaches to saving and investing to help you refocus your financial goals.” FINANCIAL PLANNING TIPS FOR CANADIANS AT VARIOUS LIFE STAGES:

New Grads: Putting a plan in place to

achieve future goals, such as saving for a down payment for a home or reducing outstanding student debt, is most important. By establishing a budget that focuses on saving and reducing borrowed amounts as opposed to spending on current wants, it may be possible to achieve these goals more quickly. Parents: When gifts are given to

children on birthdays and holidays, parents may wish to use this tradition as an opportunity to teach children about the importance of balancing between spending on current wants and the desire for future needs. Parents should also consider life, creditor, critical illness and disability insurance to protect their families in the event the unexpected occurs. Retirees: Reducing expenses and having a consistent cash flow or income stream in retirement is important to help make accumulated savings last. This is a good time to consider scaling back on financial support paid to younger family members. If one’s goal in retirement is to travel, financial plans should be built with this expectation in mind – including the cost of travel medical insurance. AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 71

Inspiration

Reclaimed wood A trend we hope never ends By Jackie Marchildon RECLAIMED WOOD isn’t a new trend in interior design, but it’s certainly an interesting one that continues to gain momentum. At the recent Interior Design Show 2016 (IDS16), we caught up with five wood-working companies to see what they have in store for this year.

Zenporium Displaying the first piece that caught my eye at IDS16, Zenporium speaks to a louder issue by using only guiltfree wood, or “reclaimed, salvaged or sustainable wood,” as co-owner Serene Gebara explains it. On top of being good to the environment, this company also happens to create some stunning furniture including a desk made with pieces of wood from an old boat. Wood Anchor One of the most minimalist and interesting booths at IDS16, Wood Anchor’s set-up showcased its windrow table and stunning imbue light above it. Based out of Winnipeg, Wood Anchor creates sculpture furniture such as using salvaged trees and in this case, aluminum for the frame of the chandelier-like fixture.

Zenporium, zenporium.com

Wood Anchor, woodanchor.com

Zenporium, zenporium.com

Metalwood Studio, metalwoodstudio.com

Wood Anchor, woodanchor.com

Artemano Not all this company’s pieces are made using repurposed wood, as many are sourced from recycled wood from old fishing boats, railroads or home construction projects. Artemano’s furniture successfully showcases the versatility and warmth of wood in interior design.

most often create furniture from a nostalgic piece of wood in clients’ lives — the idea is that a tree from your grandparents’ backyard could become a beautiful centrepiece in your family room.

Storyboard Furniture With a “from tree to table” mentality, Storyboard Furniture designs furniture from ill-fated or fallen trees. Pieces are especially beautiful because they

Metalwood Studio Working with salvaged wood, Metalwood Studio regularly relies on Century Mill Lumber to source its materials. Their wood is locally sourced and often from fallen trees or trees cleared by selective logging. Pieces come in all shapes and sizes, and because no tree is the same, they are all one-of-a kind.

72 YPNEXTHOME.CA

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

Arista Homes has been featured as “Model Home of The Month” as seen in the New Home Guide model home calendar

Model Home Photo Compliments of Arista Homes

aristahomes.com

Arista Homes always makes a great first impression! Arista’s “Rembrandt” model at Impressions of Kleinburg captures the sophistication and elegance of the extraordinary homes now being built in this one of a kind community.

AUGUST 2016

Hot Properties

Find your next home! This page features a few of the latest properties to keep your eye on in the Toronto area. Find more properties at ypnexthome.ca

LATEST LISTINGS

TRAFALGAR RIDGE By: Dunpar Homes City: Oakville Housing type: Luxury, three-bedroom townhomes from the mid $600’s dunparhomes.com

SPICE URBAN TOWNS By: Hi-Rise (West) Inc. City: Toronto Housing type: Bungalow and two-storey urban towns with rooftop terraces from mid $300’s spiceondanforth.com

CHELSEA MAPLE STATION By: Aspen Ridge Homes City: Vaughan Housing type: Stylish modern townhomes across from the Maple GO aspenridgehomes.com

CHELSEA MAPLE STATION – ASPEN RIDGE HOMES

KLEINBURG GLEN

new openings NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Phase 2 of masterplanned community of townhomes primonthomes.com

COUNTRY LANE By: Andrin Homes and Heathwood Homes City: Whitby Housing type: Detached homes on 26-, 36and 45-ft. lots countrylanewhitby.com

TRAILS AT CARDINAL POINT By: Geranium Homes City: Stouffville Housing type: Limited collection of freehold towns and single-family ravine homes geraniumhomes.com

74 YPNEXTHOME.CA

By: Gold Park Homes City: Kleinburg Housing type: Collection of luxury homes in a prime location, from the upper $600’s goldparkhomes.com

GLENWAY NEWMARKET By: Andrin Homes City: Newmarket Housing type: Two- and three-bedroom townomes from the $500’s, detached homes and bungalows on 50-ft. lots from the $800’s glenwayliving.com

AURORA VIEWS By: Treasure Hill Homes City: Aurora Housing type: Single detached homes on 40and 45-ft. lots treasurehill.com

GATES OF NOBLETON By: Tribute Communities City: Nobleton Housing type: Collection of 50-, 60-. 70- and 80-ft. detached homes mytribute.ca

new releases VALLEYLANDS By: Fieldgate Homes City: West Brampton Housing type: New release of single detached 38- and 50-ft. designs from the $800s fieldgatehomes.com

SUMMERLYN VILLAGE By: Great Gulf City: Bradford Housing type: 36- and 40-ft. detached homes. Prices starting from the $680s. greatgulf.com

THE ENCLAVES OF UPPER CANADA By: Menkes City: Georgetown Housing type: 40-ft. detached homes starting from the mid-$800s menkes.com

HILLLSBOROUGH HOLLAND LANDING By: Andrin Homes City: East Gwillimbury Housing type: Detached homes on 38-, 40and 45-ft. lots, starting from the low $800s andrinhomes.com

…continued on page 76

LATEST LISTINGS

Find your next home! Find more properties at ypnexthome.ca

…continued from page 74

REAL TOWNS – MADISON HOMES

preview registration ALDERIDGE By: Mattamy Homes City: Etobicoke Housing type: Single and semi-detached homes in established neighbourhood mattamyhomes.com

UPTOWNS ON BAYVIEW By: Primont Homes City: Richmond Hill Housing type: Upscale townhomes located at Bayview and 19th avenues primonthomes.com

AFFINITY CONDOMINIUMS By: Rosehaven Homes City: Burlington Housing type: Two contemporary mid-rise condominium buildings from the high $200s rosehavenhomes.com

VISTA By: Geranium Homes City: Stouffville Housing type: Condominium one-storey flats and two-storey towns from the high $300’s vistaflatsandtowns.com

THE CROSS WINDS By: Delpark Homes City: Bowmanville Housing type: A limited collection of detached homes backing onto the creek thecrosswindshomes.com

BELLE AIRE SHORES By: Fernbrook Homes, Pristine Homes & Zancor Homes City: Innisfil Housing type: Coming this spring – townhomes and 36-, 42-, and 50-ft. singles belleaire.ca

HERITAGE TOWNS By: Montevello Developments City: Toronto Housing type: Townhomes in Junction Triangle from 1,593 sq. ft. from high $700’s heritagetowns.ca

BOXGROVE VILLAGE By: Arista Homes City: Markham Housing type: Family sized freehold townhomes and live/work towns boxgrovevillage.com 76 YPNEXTHOME.CA

ANCHOR WOODS

WHITBY CENTRAL

By: Rosehaven Homes, Andrin Homes & Regal Crest Homes City: Holland Landing Housing type: 45- and 38-ft. detached and semi-detached homes anchorwoods.ca

By: Brookfield Residential City: Whitby Housing type: Single-detached homes in a family neighbourhod brookfieldhomes.ca

THE BROOK REAL TOWNS By: Madison Homes City: Thornhill Housing type: Townhomes starting from the high $800s madisonhomes.ca

SEATON TAUNTON By: Mattamy Homes City: Pickering Housing type: Affordable townhomes alongside greenspaces and other amenities mattamyhomes.com

By: Delpark Homes City: Oshawa Housing type: Single-family homes on 30-, 36- and 40-ft. lots thebrookhomes.com

KLEINBURG SUMMIT By: Mattamy Homes City: Vaughan Housing type: Upscale towns and detached homes mattamyhomes.com

THE LOGGIAS IN RICHDALE By: Senator Homes City: Richmond Hill Housing type: Luxurious 40-, 50- and 60-ft. detached homes on deep lots senatorhomes.com

THE VILLAGES OF KILLARNEY BEACH By: Ballymore Homes City: Innisfil Housing type: Detached homes on 40- and 50-ft. lots. Prices starting from the mid-$500s ballymorehomes.com

Builders If you would like to include your preview registration, new release or site opening in this feature, just email the details to wayne.karl@ypnexthome.ca

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.6

Alterna Bank

2.45

Bank of Montreal

2.9

Bank of Nova Scotia

2.9

Canadian Western Bank CIBC

6 months

1 year

2 years

3 years

4 years

5 years

4 4.00op 4 6.30op

2.94 4.00op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op 2.79 3.14 6.75op 2.99 6.30op 3.19

2.29 4.00op 2.34

2.44

2.49

2.59

2.4

2.69

2.48

3.19

3.59

4.09

2.69

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

3.34 2.34

3.99 2.44

4.44 4.39

4.64

2.84

3.39

2.39

2.59

3.24

3.49

3.69

3.79

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 2.59

3.09

3.39

3.89

4.49

4 6.30op 6.2 6.40op 3.1 4.25 6.50op 4.2 6.50op

2.79 6.30op 2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.39

2.34

2.4

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.54 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.49

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank

n/a

President’s Choice Finan 2.70 Royal Bank

2.6

4.45 6.20op 4.45 4.4 6.70op

6.75op TD Canada Trust

2.6

Tangerine

2.7

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Company Investors Group Trust

2.3 n/a

MTCC

2.9

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.45

Comtech Fire C.U.

2.6

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. RATES ON REQUEST op OPEN ----- NOT QUOTING N/A NOT AVAILABLE Aug 15, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

AUG 20 - SEPT 10, 2016 | NEW HOME GUIDE 77

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

continued from page 80 PROPERTY TYPE

PRICE RANGE

MAP FINDER

East 41

Andrin Ltd.

Country Lane in Whitby

CountryLaneWhitby.com

Arista Homes

Whitby Meadows

aristahomes.com

Averton Homes

Beacon Hill Bowmanville

905-674-6166

Averton Homes

Main Street Seaton

289-545-0022

Briarwood Homes

Youngâ&#x20AC;&#x2122;s Cove

youngscove.ca

28N

25N

from $400,000 from $350,000 S

Brookfield Residential

Foxtrail

foxtraillife.ca

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

Heathwood Homes

Country Lane in Whitby

CountryLaneWhitby.com

Mattamy Homes

Seaton

www.mattamyhomes.com

Treasure Hill Homes

Shift

treasurehill.com

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

Aspen Ridge Homes

King Country Estates

905-558-0255

Aspen Ridge Homes

Queensville

yourqueensville.ca

Averton Homes

Victoria Highlands

416-924-0110

Averton Homes

Village Green

Averton.ca

Ballymore Homes

Mill Street Village

millstreethomes.com

Ballymore Homes

The Villages of Killarney Beach

ballymorehomes.com

Briarwood Homes

Mill Street Village

millstreethomes.com

Briarwood Homes

Pretty River Collingwood

1-888-257-1999

from $350,000 from $470,000

27G

28N

24N

25N

18E

13I

from $550,000

20D

from $720,000

23E

from $560,000

12E

from $350,000

North 23

from $820,000

T S

from $550,000 S

from $560,000 from $310,000

Brookfield Residential

Fieldstone

1-855-379-1495

from $600,000

Brookfield Residential

Grand Central

905-778-0873

from $600,000

16D

Brookfield Residential

Treetops

1-855-590-3577

from $370,000

13A

Brookfield Residential

Willow Glen Tottenham

905-406-1044

from $330,000

11E

Great Gulf

Hillsborough Holland Landing

greatgulf.com

from $570,000

18E

Great Gulf

Sharon Village

905-478-7362

from $600,000

20E

Great Gulf

Summerlyn Village

905-775-3461

from $700,000

17D

Mattamy Homes

The Estates of King Township

mattamyhomes.com

16I

Menkes

Hometown Sharon Village

menkes.com

19F

Regal Crest Homes

Anchorwoods Holland Landing

anchorwoods.ca

19E

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

19E

Treasure Hill Homes

Acacia Estates

treasurehill.com

Aspen Ridge Homes

Mayfield Village

905-230-2592

Averton Homes

Averton Square

Averton.ca

T D T D

from $2360,000

16J

from $360,000

from $500,000

West 49

Brookfield Residential

The Village

1-866-930-0050

Dunpar Homes

Heritage Gate

416-236-9800

from $720,000

10S

Dunpar Homes

Trafalgar Ridge

416-318-9112

from $750,000

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

from $400,000

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

from $724,000

Fieldgate Homes

Valley Lands

905-457-0445

from $800,000

Great Gulf

Trafalgar Landing

905-844-1605

from $200,000

Great Gulf

Westfield

905-866-6876

from $537,000

Heathwood Homes

Meadow Green

647-287-7042

from $650,000

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

from $634,000

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

from $496,000

Mattamy Homes

The Preserve

mattamyhomes.com

from $406,000

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

from $760,000

Mattamy Homes

Topper Woods

mattamyhomes.com

Mattamy Homes

Wildflowers

mattamyhomes.com

Menkes

The Enclaves of Upper Canada

289-891-9103

Primont Homes

Newtowns at Mount Pleasant

primonthomes.com

Primont Homes

Seasons in Caledon

905-843-8686

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

from $300,000

from $325,000

T C

from $520,000

from $195,000

from $850,000 T

from $715,000

from $1090,000

11L

Property Type D Detached S Semi-Detached T Townhome

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

MAP FINDER

Central 35

IFC

Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

Arista Homes

Aurora Trails

aristahomes.com

Arista Homes

Boxgrove Village Markham

boxgrovevillage.com

Arista Homes

IMPRESSIONS

aristahomes.com

Arista Homes

Jefferson Forest

jeffersonforest.ca

Arista Homes

Vaughan Valley Estates

aristahomes.com

Aspen Ridge Homes

Chelsea Maple Station

aspenridgehomes.com

18F

from $700,000

19G

from $800,000

22M

from $800,000

12K

from $586,000

18J

from $1200,000

14L

16L

Aspen Ridge Homes

Corporate

aspenridgehomes.com

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com

Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

Aspen Ridge Homes

Upper West Side

uwscommunity.com

Averton Homes

Averton Common

Averton.ca

Averton Homes

Corporate

Averton.ca

Averton Homes

Evolution

416-747-9691

Brookfield Residential

Corporate

brookfieldhomes.ca

Brookfield Residential

The Arbors

905-503-0992

Brookfield Residential

Woodhaven Aurora

WoodhavenAurora.ca

Fieldgate Homes

90 Niagara

416-981-0036

Fieldgate Homes

Aurora Trails

fieldgatehomes.com

Fieldgate Homes

BlueSky Stouffville

fieldgatehomes.com

Fieldgate Homes

City Lux Towns

fieldgatehomes.com

Fieldgate Homes

IMPRESSIONS

905-893-9500

Fieldgate Homes

Zigg

416-545-0223

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

Forest Hill Homes

Cornell Rouge

905-472-9556

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

Great Gulf

Corporate

416-449-1340

Lakeview Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

Madison Homes

Briar Hill

madisonhomes.ca

Madison Homes

Cornell Rouge

905-472-9556

Madison Homes

REALTowns Thornhill

Madisonhomes.ca

Madison Homes

Thornhill Ravines

Madison Homes

8-9

17 29

T 45

13L

from $190,000

18Q

from $2100,000

17R

from $1099,000

17L

from $690,000

13L

from $320,000

13R

from $350,000

19H

from $1000,000

18I

from $346,000

16S

from $620,000

19G

from $600,000

22J

from $1000,000

12K

16R

from $2500,000

18E

from $850,000

23M

from $990,000

18J

T T

D C

T S

T T

T D

18F

from $500,000

16Q

from $850,000

23M

from $900,000

17L

905-417-1203

from $1800,000

16L

Zigg

ziggcondo.com

from $380,000

18J

Mattamy Homes

Alderidge

mattamyhomes.com

13S

Mattamy Homes

Cornell

mattamyhomes.com

22M

Mattamy Homes

Corporate

mattamyhomes.com

Mattamy Homes

Downsview Park

mattamyhomes.com

15P

Mattamy Homes

Heron Park

www.mattamyhomes.com

Mattamy Homes

Kleinburg Summit

mattamyhomes.com

Mattamy Homes

Lago

monarchgroup.net

Mattamy Homes

Picasso on Richmond

monarchgroup.net

Mattamy Homes

Richmond Green

mattamyhomes.com

Mattamy Homes

Riva del Lago

monarchgroup.net

Mattamy Homes

Upper Summerside

www.mattamyhomes.com

Menkes

Dwell City Town

Menkes

T S

from $260,000

from $400,000

22Q

13K

from $220,000

14S

from $550,000

16S

18K

from $300,000

14S

from $450,000

19R

416-259-2525

from $690,000

12S

Humber Mews

416-259-2525

from $550,000

12S

Primont Homes

JadeGarden at Cornell

primonthomes.com

22M

Primont Homes

Renaissance Townes

905-417-3363

15K

Primont Homes

Uptowns on Bayview

primonthomes.com

18K

Rosehaven Homes

Corporate

rosehavenhomes.com

T C S

T from $750,000

Stafford Homes

Downsview Park

staffordhomes.ca

from $800,000

Treasure Hill Homes

Aurora Views on Wellington

treasurehill.com

from $1460,000

19H

Treasure Hill Homes

Time

treasurehill.com

18H

Treasure Hill Homes

Victory Heights

treasurehill.com

18L

continues on page 79

Property Type D Detached S Semi-Detached T Townhome

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Baxter

Line

Line 8th

10th

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Simco

Laird Dr

Ave

Eastern Ave

Mo Coxwell Ave

Ave

Jarvis St

University Ave

Parliament St

Queen St W King St W Front St W

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Bro adv iew

Christie St

Bloor St W Harbord St Wellesley St College St Carlton St Gerrard St

Eglinton Ave W

33lea Blvd

Greenwood Ave Donlands Ave Jones Ave Pape Ave

Avenue Rd

Mt Pleasant Rd

Spadina Rd

St Clair Ave W

Moore Ave

Bayvi w

5th

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3rd

Scotch

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6th

W eston Rd

Conc

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Va ug ha nR d

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Wilson Hts Blvd

Sheppard Ave

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Leslie St

Senlac Rd

Willowdale

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d ell R rtw Cha

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Cummer Ave

Willowdale Ave

Drewry Ave

Rd ian Lorne Ind Lorne Pk

Clarkson

Dr Ford r Gr D ple Ma

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41 49

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Richmond

Park Lawn Rd

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Lake Shore Blvd W

Runnymede Rd

Prince Edward Dr Royal York

Judson St

Gamble Rd

North York

Downsview

Sunset

Jefferson Sideroad St

HWY

Sen tinel

River

Dufferin St

Jane St

Oakdale Rdy

ay sw

Meddaugh Rd

Barrie St

Fraser St

Wanda St

Jane St

Rd Wist Rd Davis Holancin

Weston Rd

Langstaff Rd

Weston Rd

400

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Norseman St The Queensway

56 A

8 50 4 6 53 85Carrville Rd

Tre the wey Dr

The East Mall

Henderson Dr

McNaughton Rd

Wilson Ave

Burnhamthorp eR d Bloor St W

Wellington St

Teston Rd

Bass Pro Mills Dr

Norfinch Dr Dr

Islington Ave

Kipling Ave

d Blv Haig

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Bloomington Rd

Maple Leaf Dr

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King-Vaughan Rd

ar nm Fe

Martin Grove Rd

Finch Ave W

Rexdale

Rathburn Rd

The West Mall d lR Mil

Sideroad 10

Coffey Rd

Rupke Rd

7th Concess ion

Mill Rd

Weston Downs

Kirby Rd

Rutherford Rd

Etobicoke

Renforth Dr

Rd thra Caw QEW

la eo Min

McKinstry Rd

Sideroad 5

River Rd

Leonard Rd

Pine Valley Dr

Evans Ave Horner Ave

56King Rd

Langstaff Rd

The Westway

Morning S

Miller’s Sideroad

16th Sideroad

Dixon Rd

427

py Ex er rdin Ga

Bernhardt Rd King St

Strawberry La

409

Carlingview Dr

1 H

Emma Rd

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Kipling Ave Clarence St

McGillivray Rd

Hunting ton Rd

r te D dga Fiel

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Cooksville

wy Pk

Snowball

Dr Gore

rat io kwy nP

dale Erin Rd Stn

Rd vis Ma

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Sideroad 20

8th Concess ion

10th Concess ion

Cold Creek Rd

Dr ay rkw Cla

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Rd ken Tom

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Rd nk Ba Tornado Dr

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Belfield Rd

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Oakville

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Rd rpe tho am rnh Bu

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Patterson St

Tottenham Rd

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Rd ake rt L Hea

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Concessio n Rd 4

Concessio n Rd 3

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Glen Rd y Haff

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Palermo

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407

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Millgrove

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427

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407

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Zenway Blvd

107

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Nobleton

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6th Line

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15th Sideroad

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Brampton

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Newton Robinson

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Thompsonville

Sideroad 25 Adjala

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Sideroad

Albert St

Sleswick

St sh Bu

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Nicolston

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5th

Elmgrove

Victoria St

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15th Sideroad

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e Lin 17th

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10 13

Egbert

10th

Sideroad 10

Sideroad 30 Adjala

Shady Glen La

Rd kley Hoc

East Garafraxa

Airport Rd

3nd Line

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5th Sideroad

Dunby Rd

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Cardwell

Laurel Station

d roa de

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Barclay

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Elder

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Camilla

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Elba

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Crombie

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Wales

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Everett

Blacks Corners

Campania

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Earnscliffe

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r ve Ri

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Sdrd

Boy ne

Mansfield

Whitfield

Dean Rd

Prince

3rd 5th

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5th

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124

30th Sideroad

Maple Grove

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Concession 10

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Dovehaven Rd

McLaughlin Rd

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401

Rundle Rd

34 Bloor St

HWY

Concession 11

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Salem

Taunton Rd

Nash Rd

Concession 12

Hampton

Solina Rd

Trulls Rd

Courtice Rd

e Murray Av

Vannest Rd

Pebblestone Rd Tooley Rd

Concession Rd 6

Washington Rd

Townline Rd

East Ave Port Union Rd

ll i p

Old Scugog Rd

Ormiston Rd Langmaid Rd

Olive Ave

Solina

Mitchell’s Corners

62 hi

Union School Rd Wotten Rd

Enfield Rd

Townline Rd

Gibb St

58 King St

22 rth St Went wo

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

Wilson Rd 35

Bond St

Park Rd

Stevenson Rd

Hopkins St

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Henry St

Burns St

54 Adelaide Ave

Grandview St N

Harmony Rd

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Harmony Rd N

Ritson Rd

Stevenson Rd N

Garden St

Cochrane St

Concession Rd 7

Oshawa

Dundas St

Grandview St N

Simcoe St

Thickson Rd

Anderson St

Mountjoy Rd

Concession Rd 10

Enniskillen

Fallis Rd

Cadmus

Devitts Rd 57

Byers Rd

Conlin Rd

Nestleton

McKee Rd

Concession Rd 9

33 16

Malcolm Rd

Edgerton Rd

Bradburn Rd

Burketon

Boundary Rd

Winchester Rd

28 Ma nn in g Rd 36

Ritson Rd

Thornton Rd

Columbus

Whitby Brock St

Victoria St

Valentia Rd

Eldon Rd

Beacroft Rd

Mississaugas Trail

He ad

Stevenson Rd N

Duffs Rd

Columbus Rd

Mariposa/Ops Bdry

Bush Rd

White Rock Rd

Fingerboard Rd

Sim coe St

Diamond Sideroad

Cedarbrook Tr

Country La

Salem Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

eE Av

Raglan Rd

Raglan

7 12

Taylor’s Rd

Barry’s Rd

Station Rd

Till Sdrd

Grey Sideroad

Bryant Sdrd

Country La McQuay Blvd

Halls Rd

3143

Coates Rd

Lyndebrook Rd

Shirley Rd

Howden Rd

Brooklin Coronation Rd

Halls Rd N

Salem Rd

Ravenscroft Rd

Ajax

Cochrane St

Kinsale Rd

Sideline 4

Westney Rd

Taunton Rd

Ashburn Rd

Sideline 2

Ashburn

Rossland Rd 31

Scugog Line 3

t Rd

Myrtle

Eden Rd

Eldon Rd

Sideroad 18 Old Simcoe Rd

Church St

Heron Rd

Dagmar Rd

Myrtle Rd

Scugog

Scugog Line 4

Scugog Line 2

Brawley Rd

Greenwood

oin

Concessio

Proutt Rd

Reach St

Chalk Lake Rd

5th Concession Rd

Pine Pt Rd

Ma Brown’s Rd

Beacock Rd

Rd st Ma

Lakeridge Rd

Balsam Rd

HWY

Bayly St

Sideroad 18A

8th Conc Rd

7th Conc Rd

Greenwood Rd

Riverside Dr

Church St

Liverpool Rd

ton gs Kin

Sheppard Ave

Lawrence Ave E

38 West Hill

Valley Farm Rd

Brock Rd

Whites Rd

Dixie Rd

Rosebank Rd

Finch Ave

Jobb Rd

High P

Mount Zion Paddock Rd

Sideline 22

Concession Rd 3 Altona Rd

Guildwoo d

Balsam Sideline 5

rd pa ep Sh

Meadowvale Rd

Daw es R d

Woodbine Ave

nR sto ng Ki

Beare Rd

Scarborough 42 St Clair Ave E Rd rth nfo Da

Military

Morningside Ave

Bellamy Rd

Eglinton Ave E

Milner Ave

4th Conc Rd

Plug Hat Rd

il Tra

Brim o rt on

Scarborough Golf Club Rd

Victoria Park Ave

Midland Ave

Pharmacy Ave

Birchmount Rd

Brimley Rd

Don Vally Pkwy

Ellesmere Rd

Sewells Rd

Neilso n R d

Nugget Ave

Sheppard Ave

E Ave

Old Finch Ave Rd

Whitevale

Sideline 12

407

Westney Rd

Sideline 14

Pickering Sideline 24

Box Grove Steeles Ave E

evin McL

401

Sideline 14

Sideline 16

North Rd

Tapscott Rd

tingwood Dr H un

Middlefield Rd

404

rD no

11th Line

ark Dr

Denison St

Agincourt

O’Co n

7th Concession Rd Sideline 28

14th Ave

Markham Rd

n Rd Alde

Glen Major

8th Concession Rd

Whitevale Rd

McNicoll Ave

ortimer Ave

Passmore Ave

ns P k

9th Line

HWY

Esna P

u se

17 16 Locust Hill 55

Main St

Woodbine Ave

Leslie St 12

Unionville

Brock Rd

Houston Rd

Mabels Rd

L AKE SCUGOG

Scugog Line 6

Ried Rd

Pine Rd

Claremont Sideline 22

D on

Markham 73

Sideline 20

17th Ave

Sideline 24

Major Mackenzie Dr

Sideline 32

Sideline 34

Markham-Pickering Townline

Elgin Mills Rd

Demara Rd

nd Isla

Epsom

Cottage Rd

Rainbow Ridge Rd

Pogue Rd

Whitfield Rd

Scugog Line 8

Ward Rd

Uxbridge Pickering Townline

Ramsey Rd

. La ier oz Cr

Cross C

7 Mile Chandler Dr Island Rd

Harper Rd

Scugog Line 9

HWY

Scugog Line 9

Clements Rd

Cricket Hollow Rd

Ranch Rd

Seagrave

Hood Dr

C Little Britain Rd

Little Britain Rd

Zion Rd

Utica

Dicksons Hill

Reesor Rd

Kennedy Rd

6th Ave

Warden Ave

d Hill

McCowan Rd

919th Ave

Ridge Rd

Webb Rd

Altona

10th Line

efferson

Stouffville 12

Main St

Sideroad 18A

Cragg Rd

Medd Rd

Allbright Rd

Sideline 26

Markham Rd

Stouffville Rd

Glasgow

Royal Oak Rd

Scugog Line 12

L Dewdrop Rd

Cresswell Rd

Salem Rd

Algonquin Rd

Spadina Sdrd

43Reach

Brookdale Rd

6th Conc Rd

R Bethesda Rd

Victoria Square

Secord Rd

Blackwater Rd

Scugog Line 12

Whitchurch-stouffville

Kawartha Lakes

Cookston Rd

Taylor Corners

Farmstead Rd

Little Britain Rd

7 12

Marsh Hill

Marsh Hill Rd

O’Beirn Rd

Bethesda

Sideroad 17 Sideroad 17

Goodwood Rd

HWY

Sideroad 17A

Shier Rd 8th Conc Rd

HWY

Uxbridge

Prouse Rd

Wetheral Sdrd

Brock Rd

Saintfield Blue Mountain Rd

Canton Rd 8

Wagg Rd

Hillsdale Dr

Aurora

Beach Rd

Sideroad 17

Lake Ridge Rd

6th Concession Rd

4th Conc Rd

3nd Concession Rd

Farmstead Rd

Brock-Scugog Townline Rd

Oakwood

7 7th Concession

Camb

GrahamRd

Pinedale

Scugog Line 14

Manilla

6th Concession

Victoria Corners Rd

Victoria Corners

Skyline Rd

9th Concession

2nd Concession

Ball Rd

Roseville Siloam

Aurora Rd Lak es

Jesse Thomson Rd

Lloyd Sdrd

P e ff e r l a w

St Johns Rd

Vandorf Rd

4th Concession

Goos

Quaker Rd

5th Concession

Uxbridge

e hor

Peniel Rd

10th Concession

Sunderland

Foster Dr

Feasby Rd

Ballantrae 15

Weir’s Sideroad

Bow St

St John’s Rd

Wesley Cors

Weirs Rd

Sandford

Sandford Rd

2nd Concession Rd

48 57

Bayview Ave

Woodbine Ave

Kennedy Rd

Cherry St Faulkner Ave

Bogarttown

Vallentyne

9 Rd

33 The Glen Rd 34 Black School Rd

11th Concession

Islay

Valley

32 12

8th Concession

Grasshill

Woodville

Cannington

9th Concession

King St

Linden

Derryville 12

Vrommanton

Zephyr Rd

5th Concession Rd

St John’s Sideroad

Udora

Davis Dr

Cedar Valley

Vivian Rd

Brock

Woodville

King

Concession

Leaskdale Rd

Ashworth Rd

York-Durham Line

ulock Dr

14th

Hartley

Lorneville

5th Concession Rd

Davis Dr

Newmarket

Stoney Batter Rd

West Franklin

Wilfrid

10th Concession

Fowlers Rd

4th Concession Rd

Bales Dr

9th Concess ion

Herald Rd

Rd Franklin

Foot Dafoe St St

Rd ain M

Mount Albert Rd

Green Lane

Centre St

ng ndi La

Ravenshoe Rd

Brewster Rd

Zephyr

Hollingers Rd

Doane Rd

Farr Ave

Cedarbrae

3rd Concession Rd

Hornes Rd

28 13th Concession

Q u a r ter

Lorneville

Brock-Thorah Townline East

Concession

Old Shiloh Rd

Meyers Rd

Orchard Ct

Queensville Sideroad

Queensville

Bridle Path

Cedarbrook Dr Rd

Concession Rd 3 Thorah

Concession Rd 2 Thorah

14th

Old Homestead Rd

Georgina Prout Rd

Holborn Rd

46 East Gwillimbury Doane Rd 86

Cole Rd

Morning Glory Rd

g Irvi n

Leitch Rd

Boag Rd

Maple Hill

Smith Blvd

Brown Hill

2nd Concession Rd

Leslie St

Sand Rd lla nd

Ravenshoe

BrockThorah Twnl W

Thorah Beach Port

Point

Frog St

2nd Concess ion

24 Park Rd

Boag Rd

Holborn Rd

ing ter Ca

Island View

Audubon Way

Miles Rd Blake Ave

Holland Marsh

Carley Rd

The Queen sway

Ravenshoe Rd

Rd st re nc ve Ra

River

Maple Beach

Duclos Point

Virginia

Latimer Rd

Glenwood Ave

th Line

Cryderma n’s Rd

Pollock Rd

COOK’S BAY

Sdrd

Mile Lane

Lasher La Valley Vie w

nt ry Bethel Side Rd

Baldwin Rd Morton Ave

Briars Pk

Sutton

St gh

22 Cou

Old Homestead Rd

Black 80 Hi

Rd 9 ing

Church St

Gilford Rd

Base Line Rd

Lockie Sd Rd

e dge

Park Rd

Jacksons Point

3 8A

Boyers Sideroad

h ore

Dalton Rd

Deer Park Rd

The Que ensw ay

Harbour St Pine Ave

Line

20th Sideroad

Roches Point DeGrassi Point

Island Grove

Metro Rd

Willow Beach

t tS ar Ew

ey Beach Rd 3rd

e Lak 78

Belle Aire Beach Rd

Lake

d eR

Mapl

fil

Nantyr Park

Civic Cen tre

20th Side road

Line

Cate r

7th

6th

John’s Rd

Nantyr

Mattamy Model Home Interior

UPSCALE TOWNS & DETACHED DESIGNS COMING SOON TO KLEINBURG SUMMIT Lush landscapes. Irresistible small town appeal. Fully connected to the city. So much comes together here to make Kleinburg a most distinctive place to call home. In that spirit, we’re delighted to announce we’ll soon be opening our brand new community of Kleinburg Summit. Prepare to make a lifetime of new memories here.

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