GTA New Home Guide - Oct 8, 2016

OCT 8 - 22, 2016 VOLUME 24, ISSUE 18, FREE

GTA EDITION

COMING SOON • URBAN TOWN LIVING IN AURORA TREASUREHILL.COM

INSIDE THIS ISSUE

NEW HOME SALES CONTINUE ON PACE FOR RECORD YEAR

OHBA NAMES WINNERS OF AWARDS OF DISTINCTION

DRYWALL – THE LATEST CAUSE FOR RISING NEW HOME PRICES

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2016-09-27 2016-09-27 11:02 5:06 PM AM

contents OCT 8 - OCT 22, 2016 | VOLUME 24 ISSUE 18

22

ON THE COVER

Treasure Hill Homes

+ online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

MAPS

TNH 10-08-16_master.indd 2

property profiles

neighbourhood profile

24 Fieldgate Homes

64 Maple

Latest release of detached homes at Valleylands

50 Regal Crest Homes & Rosehaven Homes Anchor Woods Holland Landing is coming soon

WITH

DYNAMIC

Time offers urban town living in Aurora

LOOK FOR THE CIRCLE

62 Times Group

Valleymede Towers and Luxe Townhomes

Vibrant suburban life

trending

14

16

Home Sales

GTA record sales pace expands to highrise

RBC

Canadian economy set to snap back after wildfires

2016-09-27 5:06 PM

advice

10

46

BILD Report

Toronto looks to new revenue tools to fix budget

by Bryan Tuckey

12

Fundamentally Speaking

What type of home should you buy?

by Wayne Karl

20 Mortgage Advice Home insurance tips for winter

by Alyssa Furtado

40 Quick Tips

‘Fall’ into your organizing groove

by Hellen Buttigieg

24

50

42 Make Your Move

Avoid being penny wise and pound foolish

by Chuck Resnick

48 Cleaning Advice

Four disgusting things you’re doing at home

by Elisa Krovblit

54 Investment Advice

Creating a space in your home for your business

by Kathryn Kusyszyn

56 Money Matters

62

28 The Heron Group of Companies

Guide to building a budget

by Gal Vaz-Oxlade

60 Legally Speaking Closing costs 101

by Jayson Schwarz

44 Indoor air quality

Seven tips for improving indoor air quality this fall

Changing its name to Herity to mark 40th anniversary

30 OHBA

Winners of the 2016 Awards of Distinction

34 CHBA

Exorbitant duty on drywall hurts business and homebuyers

36

Smashed Ping Pong Tournament

2016’s hottest fundraiser

TNH 10-08-16_master.indd 3

inspiration

buyers’ resource section

74

77

Hot Properties

New releases, openings and preview registrations

Mortgage Rates

66 Designer Advice The fully furnished bathroom

70

Style File

Designing your child’s room for today and tomorrow

in every issue

4

Editor’s Note

6

Contributors

78

What’s Online

79

Advertiser Index

2016-09-27 5:06 PM

Editors' Notes

EXPLORE MAPLE

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

ypnexthome.ca/maple

Neighbourhood focused One of the most exciting innovations at YPNextHome over the last few years has been creating Neighbourhood Profiles – comprising a wealth of data and information – from across the country.

In every issue of New Condo Guide, we’ll show you at least one of these featured neighbourhoods. And if you look online, you’ll find more than 2,800 neighbourhoods you can search as part of your experience on YPNextHome.ca.

That’s a lot of information.

Our curated neighbourhood content provides a lively snapshot of some of Canada’s more popular neighbourhoods. These profiles have been researched and compiled by a nationwide team of writers and editors, and they include photos and, in some cases, exclusive video tours with local celebrities and well-known residents. Demographics, housing types and other information... all leading to listings in the area.

Check it out and let us know what you think.

The burden of drywall

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

+ get social

Yes, drywall – that ubiquitous but mostly unseen panel of calcium sulfate dihydrate used to make interior walls and ceilings – is about to add a significant chunk to new home costs.

How? You can thank a party completely unrelated to the home building industry – Canada Border Services Agency (CBSA).

As our story on page 34 discusses, CBSA in September arbitrarily slapped huge levies on drywall coming into Canada from the U.S. Duties ranging from 105 to 276 per cent were imposed immediately, delivering “detrimental effects” on Canadian businesses and economies.

Just how detrimental? With

drywall producers announcing price increases as high as 50 per cent, builders can no longer absorb the tariff; buyers could be looking at home price increases of $10,000 or more – all within the last month.

“We are urging the government to do what it can to alleviate this extraordinary burden on the industry, especially for those already with contracts in place, and on new homebuyers,” Canadian Home Builders’ Association CEO Kevin Lee told New Home Guide.

Drywall may be a small part of what goes into a home, but with numbers this large, it’s the last thing we need.

Interact with us on social media: ypnexthome

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Contributors

PRESIDENT, YELLOW PAGES NEXTHOME

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

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, NEW HOME & CONDO GUIDE SOUTHWESTERN ONTARIO

Anne-Marie Breen EDITOR

MONEY MATTERS

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

Follow Gail on Twitter at twitter.com/GailVazOxlade

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sonia Bell, Elisa Krovblit Lydia McNutt (on leave)

LEGALLY SPEAKING

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

SENIOR ACCOUNT EXECUTIVE

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

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

Terry Basset NATIONAL CIRCULATION MANAGER

BILD REPORT

John Jenkins

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)

PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

Sandra Hanak-Vujnovic GRAPHIC DESIGNERS

Miguel Cea, Mike Terentiev

more online

Published by

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

MORTGAGE FINESSE

CALUM ROSS Calum Ross is a mortgage columnist for New Home Guide and New Condo Guide. He holds both a B.Comm and MBA in finance from the Schulich School of Business and in 2011 completed the Comprehensive Leadership Program at Harvard Business School. He can be reached at 416.410.9905

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.

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

ADVERTISING Call 416.626.4200 for advertising rates

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

G

T

S

G

fa

re

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

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

Toronto looks to new revenue tools to fix the budget

N

By Bryan Tuckey

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WE ALL KNOW the City of Toronto is

dealing with a deficit, but you should be aware of some of the potential ways that are being considered to fill the budget gap.

The City is considering at a wide range of proposed new revenue tools, including taxes on entertainment, tobacco and alcohol, road tolls and a municipal sales tax to deal with a projected gap of $483 million for 2017.

A new parking tax and increased development and land transfer fees are also being considered, and they could have big impacts on consumers and businesses.

BILD has been working as part of a coalition of business and real estate organizations studying the potential effects of these additional taxes.

The parking tax would not only hurt local businesses, the administration of such a tax would be complex and the tax itself likely ineffective.

The tax on parking spots would impose a per day, per spot fee to all businesses in Toronto which provide parking to their customers.

It would be a substantial business tax increase, and in fact a duplicate tax, because commercial parking spaces are already included as part of property assessments.

A tax on parking spots could negatively impact the city’s business competitiveness and economic development. Small businesses would likely be hardest hit, especially those in strip malls.

The task of identifying which

businesses are required to pay for which parking spaces would be complicated and difficult to track. Some spots are shared and others are tax exempt. It would also necessitate that the city’s inventory of parking spaces be up-to-date.

Overall, a new parking tax is unlikely to be a reliable revenue stream and it would more likely become a nightmare to manage.

Vancouver introduced a similar tax in 2006, and of the 29,600 assessment notices issued, 17 per cent were appealed in the first year at a great administrative cost to the municipality.

In 2007, the City of Toronto considered a parking tax but rejected it due to low projected revenue, administrative issues and concerns over transparency and the impact it could have on business.

Also under consideration by the City are increases to development fees and land transfer taxes. These would result in a big impact on

anyone thinking of buying a home.

Today, these fees already account for a significant portion of the cost of a home. People pay provincial and municipal land transfer tax on resale homes and development fees and charges make up about one-fifth of the cost of new homes.

Toronto needs to develop a longterm plan to be financially sustainable, but needs to do it in a way that is economically competitive for our business owners, equitable and transparent and does not make the housing affordability challenge worse.

More about this will come in the months ahead. City staff will be presenting their recommendations on the tools to council this fall.

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

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Advice | FUNDAMENTALLY SPEAKING

What type of home should you buy?

By Wayne Karl

A o H th o e a m n

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHAT TYPE OF HOME should you

buy? This question used to be a lot easier to answer. First-time buyers would often prefer a townhome or semi. Downsizers might also like something smaller, such as a condo.

Move-up buyers quite likely would go for their “forever” home.

The answer has always depended on buyers’ situations and preferences – everything from the amount of down payment to where you work to whether you have kids.

But increasingly, people’s decisions are being influenced by factors beyond personal choice.

As a report on page 14 discusses, government policy and the impact on prices is shaping the housing landscape in the GTA like never before. Of course, most of us would love a large house on an expansive property on a quiet cul-de-sac in the best neighbourhood. But that’s looking less and less likely – at least as a first choice – for many buyers.

Monthly reports from the Building Industry and Land Development Association almost routinely discuss the new record high of new lowrise home prices, thanks to scarcity of supply. Sure enough, since it was only a matter of time, the same trend seems to be occurring in highrise housing.

All of this puts increasing focus on buyers’ decision-making.

Where do you want to live?

This question is becoming more important, influenced primarily by where you work, how much of

A O

a commute you want and what your transportation options are.

Indeed, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or small town.

What type of home do you want?

Single-family detached, semidetached, townhome or duplex?

While you may have a strong preference for one or the other, your realistic options might be determined by a combination of where you want to live, and, most importantly, how much you can afford. It may not be as simple as selecting the type of home you were really hoping for.

How much can you afford?

Experts agree it is never a good idea to make yourself house-poor, and it is a very common mistake, particularly of first-time buyers, to buy more home than you can really afford. Meeting with a mortgage

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

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

M

V

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

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Trending

GTA record sales pace expands to highrise MONTHLY REPORTS ON NEW HOME

sales in the GTA usually focus on lowrise – specifically, the shortage of supply and skyrocketing prices. But the latest release from the Building Industry and Land Development Association (BILD) highlights that highrise home sales are also on pace for a record year.

As of Aug. 31, 17,949 new highrise homes had been sold in the GTA, a record for this point in the year.

While August is typically a slower sales month, sales this year were unprecedented, with 1,880 highrise units sold, according to Altus Group, BILD’s official source for new home market intelligence.

August was also a record setting month for lowrise homes, with the lowest available supply and the highest prices ever.

“Our industry is building to government intensification policy and we are building at least as many highrise homes as lowrise homes,” says Bryan Tuckey, BILD president and CEO. “The supply of lowrise homes – especially single-family detached homes – has plummeted in the years since the Growth Plan was introduced, but demand for those types of homes has not diminished.

As a result, prices have increased dramatically.”

The average price of a new lowrise home, which includes single-family, semi-detached and townhomes, was a record $931,506 in August.

That is a 16-per-cent increase from a year ago, and up considerably from the $393,398 average of June 2006, when the Growth Plan was introduced.

As of Aug. 31, there were just 1,379 new lowrise homes available to purchase across the GTA in builders’ inventory, a new record low.

Last month, the average price of new single-family homes in the GTA was $1.16 million. In June 2006, a new detached home was $442,420.

At the end of June 2006, there were 10,823 single-family detached homes available for purchase in the GTA. On Aug. 31, this year across the GTA, there were only 592 available for purchase in builder inventories.

“Demand and prices of highrise homes are also starting to climb as more people are priced out of the lowrise market,” says Tuckey.

The average price of new highrise homes in the GTA in August was a record $480,914. This is seven-percent increase from August 2015.

“For much of the last decade, condo prices remained stable because units were getting smaller,” Tuckey says. “The price per square foot for condos has been steadily increasing. In the last few months, we have been seeing marked increases in condo-prices because average unit size stopped decreasing.”

In August, the average size of new highrise units was 808 sq. ft. and the average price per sq. ft. was $595. In June 2006, the average price per sq. ft. was $344 and unit was 913 sq. ft.

Highrise supply was also down in August, with 14,600 units available for purchase. The decline was mainly in homes in the pre-construction stage due to limited new projects introduced in August, typically a slow month for new launches.

While the majority of August’s highrise sales were in Toronto, a significant amount came from the 905, particularly Peel and York.

There were just 491 new lowrise homes sold in August, down 44 per cent from the previous year and marking a 10-year low. Meanwhile, lowrise homes in the first eight months of the year recorded 12,956 sales, down nine per cent from August 2015.

July new home sales by municipality Aug ‘16

Lowrise

Highrise

Total

REGION

2014

2015

2016

2014

2015

2016

2014

2015

2016

Durham

202

113

212

16

72

38

218

185

250

Halton

139

93

59

73

57

178

212

150

237

Peel

359

378

84

53

74

112

412

452

196

Toronto

62

12

11

948

687

1,395

1,010

699

1,406

York

389

282

125

200

188

157

589

470

282

GTA

1,151

878

491

1,290

1,078

1,880

2,441

1,956

2,371

12,322

14,163

12,956

13,842

13,743

17,949

26,164

27,906

30,905

Jan-Aug

SOURCE: ALTUS GROUP

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Trending

Canadian economy set to snap back after wildfires: RBC Economics

MORE TRENDING ONLINE ypnexthome.ca/news

CANADIAN ECONOMIC growth will

snap back after a second-quarter contraction and will get further lift in 2017 from rising energy prices, low interest rates and federal stimulus, according to the latest RBC Economics Outlook report.

The RBC forecast calls for real Gross Domestic Product (GDP) growth of 3.7 per cent (annualized) in the third quarter of 2016, as rebuilding takes place in Alberta, followed by a slower 1.9-per-cent gain in the fourth quarter.

“The Alberta wildfires and sharp pullback in oil sands production in May took the Canadian economy on a brief detour into negative growth,” says Craig Wright, senior vice-president and chief economist at RBC. “Yet the recovery should spur a similarly sharp rebound in growth in the latter half of this year and we anticipate that momentum will carry over into next year.”

Canadian GDP growth is expected to accelerate to 1.8 per cent in 2017 from 1.3 per cent in 2016.

With core inflation likely to hover around the Bank of Canada’s two per cent target, there is little reason for the central bank to take any action on interest rates. RBC expects the Canadian central bank to hold its overnight rate steady through the remainder of 2016 and 2017 as well.

RBC projects that oil prices will gradually rise to $50 a barrel in 2016 and push higher toward $60/barrel in 2017.

However, the Canadian dollar is expected to see minimal benefit from higher oil prices: a U.S. Federal Reserve interest rate hike is likely in the first half of 2017, which would bolster the U.S. dollar, while the Bank of Canada is expected to hold steady on rates.

RBC expects the economies

of Alberta, Saskatchewan and Newfoundland and Labrador to contract further this year as the oil-producing provinces continue to struggle with low revenues and private sector restraint. Some of the recent weakness in Alberta from the wildfires in Fort McMurray should start to reverse in the second half of 2016.

All other provinces except New Brunswick are expected to continue to expand in 2016, albeit at varying paces.

“Momentum appeared to slow this spring in several oil-consuming provinces, including Ontario, Quebec and Manitoba, and we lowered our 2016 growth forecasts for eight provinces,” says Wright. “Our 2017 outlook shows more balanced growth across the country, with Alberta and Saskatchewan returning to positive growth and economic activity moderating in British Columbia.”

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Haven is just around the corner Whether you’re looking to buy now, or later this year, Rosehaven has a home for you.

CURRENT COMMUNITIES NEIGHBOURHOODS OF MOUNT PLEASANT - BRAMPTON Grand Opening Contemporary Freehold Towns 3 New Styles Courtyard, Terrace and Live/Work Towns Starting from the mid $600’s COMING 2016 LAKE POINTE - STONEY CREEK Five 60’ Estate Singles coming this Fall Register at Rosehavenhomes.com AFFINITY CONDOMINIUMS ALDERSHOT / BURLINGTON Contemporary Mid-Rise Condos From the upper $200’s Register at AffinityCondo.com ANCHOR WOODS HOLLAND LANDING 45’ & 38’ Singles and Semis just north of Newmarket Register at AnchorWoods.ca COMING IN 2017 ON THE RIDGE - STONEY CREEK Introducing Freehold Towns Register at LiveOnTheRidge.ca

Ordinary is for others. Separate yourself from the common, the oh-so-typical, the middle-of-the-road, the good-enough, the runof-the-mill. Seek haven from anything less than the exceptional.

This is where life is a step above. If you’ve ever wanted to own a Rosehaven home, this is the time to register.

TIFFANY HILL - ANCASTER 45’ Singles, Condos and Freehold Towns Register at TiffanyHill.ca DREAMFIELDS - BRADFORD Singles and Towns Register at DreamfieldsBradford.com

Visit RosehavenHomes.com For directions, hours & community info. call our hotline (1-888/416) 410-0175 Prices and specifications correct at press time.

Prices quoted are in thousands. E. & O.E.

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THE CEDARVALE - EL. A

Live the Legacy THIS IS YOUR LAST CHANCE TO RESIDE IN ONE OF ANCASTER’S MOST PRESTIGIOUS NEIGHB OURHO ODS Spectacular single family homes on 50, 55, 60 and 66’ lots featuring elegant interior and exterior styles, chef-inspired kitchens, gorgeous flooring options and spa-inspired master baths.

All surrounded by the lush, natural beauty of the Niagara Escarpment – yet close to the best shopping and every modern amenity. Only a few lots remain – this is your moment to live the Legacy.

LU X U R I O U S , D E S I G N E R H O M E S F RO M T H E $ 9 0 0 ’ S

CARRIAGEGATEHOMES.COM

A N C A ST E R

Sales Office Hours:Mon. - Thurs.; 3pm - 7pm, Friday by appointment, Sat. & Sun.; 12pm - 5pm.

Paul Ciardullo; Broker, Effort Trust.

905-975-9191 paulc@efforttrust.ca Prices and specifications are subject to change without notice.

E. & O.E. Renderings are artist’s concept.

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COMING THIS FALL

36’, 40’ AND 45’ DETACHED HOMES ON HWY. 11 JUST NORTH OF DAVIS DRIVE THE COMMUNITY:

THE HOMES:

• Located just minutes north of Newmarket on Yonge Street with easy access to Toronto

• Spacious 3 and 4 bedroom designs featuring 9’ ceilings and hardwood floors

• Minutes to East Gwillimbury GO Train station and Hwy. 404

• Master bedrooms feature walk-in closets and private ensuites

• Parks, schools and acres of protected greenspace at your door • An intimate, small town setting just minutes from all the amenities of Newmarket

• Most plans offer convenient second floor laundry • Open concept kitchens with breakfast bars

REGISTER TODAY: GREATGULF.COM/HILLSBOROUGH

36’, 40’ and 45’ Detached Homes 1,510 - 3,520 sq. ft.

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

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

BILD 2016 BUILDER OF THE YEAR

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

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Advice | MORTGAGE ADVICE

Home insurance tips for winter

By Alyssa Furtado

MORE ADVICE ONLINE ypnexthome.ca/news/advice

CANADA’S UNPREDICTABLE

winters can cause headaches for homeowners. Snow, ice and water can damage everything from your roof to foundation, so it’s important to compare home insurance quotes and pick a policy best suited to your dwelling’s features.

Filing a claim can lead to increased rates, so be proactive in winterproofing your property. Talk to your insurance provider about what your policy covers.

Keep your property maintained The Insurance Bureau of Canada (IBC) reminds that “a home insurance policy is not a maintenance contract,” meaning you’re responsible for general upkeep. It’s crucial to fix any minor damage to your home as soon as it occurs. Neglecting it means you’ll be held liable if it leads to greater damage.

Going away? Check in early, check in often Some insurers will void your coverage if you leave your house empty and unmonitored for more than four consecutive days. If you’re going away on vacation, ask a friend to regularly check to ensure your home is properly heated so the pipes don’t freeze, and that heavy snow, ice and debris is cleared.

Clear snow and ice Accumulation of heavy snow can damage your home’s roof, walls and foundation. Flat roofs are especially vulnerable to collapse, while sloping

roofs create ideal conditions for ice dams. Icicles may be pretty, but they can potentially tear off your gutters and roof shingles and allow snowmelt to seep into your interior walls. Shovel out window wells, outdoor stairwells and clear away snow from the foundation.

fix. Wrap insulation sleeves around pipes in unheated or outdoor areas, draining any exterior pipes and hoses to prevent ice buildup. Unexpected power outages can cause indoor temperatures to dip, so if your home will be empty and you’re feeling extra cautious, turn off the water at the source and drain the pipes. .

Minimize personal liability Keeping your driveway and sidewalk clear of snow and tossing salt or sand on icy patches protects everyone from injury. Your policy’s personal liability portion provides coverage for injury or damage to others sustained on your property, but there are many exclusions. Homeowners can be found negligent if they don’t exercise a “reasonable standard of care” in keeping a property safe.

Consider additional coverage Your standard home insurance policy won’t protect you from “uninsured perils”: predictable or preventable events such as landslides and earthquakes, damage from rodents and insects, almost any kind of flooding – including from freezing pipes and sewer backups. Some of these perils can be insured by buying extra coverage.

Protect your pipes Flooding from frozen burst pipes is the single biggest winter nuisance – and among the most expensive to

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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AWARDWINNING HOME BUILDER

COMING SOON

AURORA

PICKERING

KING CITY

URBAN TOWN LIVING

URBAN TOWN LIVING

80’& 90’ ESTATE SINGLES

Yonge Street & Wellington Street

Brock Road & William Jackson Drive

Keele Street & 15th Sideroad

*Information correct at press time. E. & O. E.

TREASUREHILL.COM

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Property Profile | TREASURE HILL HOMES

cover story

This is your Time Urban town living in Aurora THE TIME HAS COME for Treasure

Hill’s latest community and you couldn’t ask for anything more.

Time is more than just a place to move – it’s an urban experience. This new urban town living development exceeds Treasure Hill’s standard of excellence by introducing innovative new design concepts and the highest quality of craftsmanship.

Located at Wellington Street West and Yonge Street in the sought-after town of Aurora, Time is surrounded by the best of everything. Here, you will be moments away from

restaurants, shops, parks, golf courses, schools, entertainment facilities and much more. Getting around the GTA is made easy with a comprehensive transit system. Easy access to Hwy. 404, Viva Transit and just steps to the Aurora GO Station creates a seamless commuting experience.

The town of Aurora is also known for being a beautiful place to live because of its commitment to preserving the environment.

Rich in natural heritage and lush greenspace, Aurora is home to more

Location

Aurora Builder

Treasure Hill Homes Development

Time Home Type

Urban townhomes Contact

treasurehill.com

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than 700 acres of parkland and approximately 57 kilometres of trails, perfect for an active lifestyle or a relaxing atmosphere.

Showcasing a modern exterior design, true to Treasure Hill’s unique style, the development abandons traditional walls and instead, utilizes innovative external materials to create an urban elegance. At Time, each unit offers condo homeownership set within a townhome-style residence.

Units include two-floor layouts, smooth ceilings, open concept main levels and so much more.

An intelligent use of space along with attractive features is what makes Time one of the most desired new home developments in the GTA. Time has been designed to include convenient powder rooms, as well as efficient and functional kitchen areas.

The floorplans also include two- and

three-bedroom units with convenient master ensuites.

One of TIME’s most appealing features is the private outdoor space that is standard with each unit.

Models are inclusive of a garden patio or rooftop terrace, each one offering a stunning outdoor component, perfect for hosting guests or enjoying your time. These expansive outdoor patios are large enough to embellish with your favourite decor and finishing touches to create a space you will love to spend your Time.

After finalizing a purchase with Treasure Hill, you will have complete access to the Design Studio, where you will have expert help from our professional design consultants.

Although every home at Time is already beautiful with its standard options, the Design Studio is here to inspire you and help personalize

your new residence into your dream home. Whether you would like to customize your flooring, tiles, lighting or anything else, Treasure Hill’s Design Studio can help you complete your vision.

Treasure Hill focuses on creating innovative and exciting spaces using only the best materials and superior craftsmanship, with impressive floorplans, quality construction and great value in the most convenient locations. Our mission is to provide every customer with a home that meets the highest standards.

We endeavour to provide each homebuyer with the feeling that this is a place you will want to call home.

Don’t miss your chance to live at Time! For more information and to register today, please visit treasurehill.com OCT 8 - 22, 2016 | NEW HOME GUIDE 23

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Property Profile | FIELDGATE HOMES

Visit Valleylands in West Brampton to see the

latest release from Fieldgate Homes 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 masterplanned 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.

ABOVE

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

Valleylands – West Brampton Visit the sales centre today to see the latest release of detached homes. Boasting a selection of single detached 38-ft. designs from the $800’s, some with walk-up basements, discerning homebuyers are going to like what they see when they discover these impeccably crafted luxury homes. …continued on page 26

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…continued from page 24

“At Valleylands, the best of west Brampton living is literally at your doorstep.”

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, 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 minutes away.

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

Impressions – Kleinburg Register for the next release at Impressions in Kleinburg coming in October, 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 a host of major retailers and top name brands. Commuting is made easy with Hwys. 27, 400, 427 and 407 all just minutes away.

The next master-planned community is Whitby Meadows, featuring a 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 these communities, visit fieldgatehomes.com

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Trending

The Heron Group of Companies changes name to Herity to mark 40th anniversary

THE HERON Group of Companies, which includes such well-known brands as Heathwood Homes and Heron Homes, has rebranded all of its partner companies under one corporate banner – Herity.

“We are pleased to embrace our heritage and unify all of our companies under our corporate brand name of Herity,” says Hugh Heron, on behalf of the Herity partners.

“We are celebrating the upcoming 40th Anniversary of our original formation in 1977 and over the years, we have grown and evolved, thanks to our hardworking, dedicated team.”

The Heron Group of Companies started out as a land developer and diversified over time into a multidimensional corporation. Now, under the overall Herity banner, its

development operations include Heathwood and Heron Homes, HRG Realty, The Equity Development Group as well as its USA companies of Heron Stone and Heron Student Housing.

Herity also consists of various franchise operations under its Heron Capital brand, such as the highly successful Two Men and a Truck – Canada moving company as well as The Mikey Network, the corporate charity that places Mikey defibrillators in public access areas.

The Herity brand has always stood for excellence, and as the company continues to grow, its commitment of building long term successful relationships based on trust, integrity, professionalism and above all fairness, will remain the corporate standard.

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For more information, visit herity.com

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MORE TRENDING ONLINE ypnexthome.ca/news

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AVER029-Av

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Bungalows from the $600’s

| 905 378 2500

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

2016-09-13 12:36 PM 2016-09-27 2016-09-27 11:02 5:07 PM AM

Trending

OHBA names winners of 2016 Awards of Distinction

MORE TRENDING ONLINE ypnexthome.ca/news

OHBA Home Builder of the Year, Tridel

TRIDEL CAPTURED top honours when

it was named 2016 Ontario Home Builder of the Year by the Ontario Home Builders’ Association (OHBA) at the association’s Annual Conference in Collingwood recently.

The Toronto-based company was the recipient of the award based on its commitment to building sustainable communities, its involvement and initiatives within its communities and its devotion to customer engagement and service. With more than 80 years of experience as a leader in the new home and condo industry, Tridel has built a reputation on its core values of being a responsible global leader and places a strong emphasis on the importance of collaboration with stakeholders to ensure they meet the needs of those who live in and around their communities.

Tridel has built several complete communities that include residential and commercial space as well as community features that showcase the company’s commitment to longterm sustainability. Tridel buildings are designed and built to conserve more energy, water and resources than standard Building Code compliant buildings. In addition, Tridel is a strong advocate for community action and in 2009 Tridel initiated a program called BOLT (Building Opportunities for Life Today) – a collaborative community and industry initiative to connect youth-at-risk to careers in construction. Tridel has raised more than $1.2 million to provide 168 scholarships for this program to date.

OHBA presented Amsted DesignBuild with the 2016 OHBA Ontario Renovator of the Year Award.

Based in Ottawa, Amsted DesignBuild emphasizes the importance of customer satisfaction while designing and building up to the highest industry standards and places a strong emphasis on giving back to the communities where they renovate. With more than 25 years of experience, Amsted has established itself as one of the most recognized custom residential specialists in Ottawa and this year the company earned its sixth consecutive Guildmaster Award which is given to members who have gone above and beyond the standard of building professionalism with their clients. In addition, Amsted recently celebrated its 25th anniversary with an initiative to undertake 25 community acts that give back to the neighbourhoods where they build and renovate homes.

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Other Prestige Award winners: Project of the Year: Lowrise: Great Gulf for Summerlyn Village – Simcoe County

Project of the Year: High- or Midrise:

ARCHITECTURAL DESIGN

Minto Communities for Bside at Minto Westside - Toronto

People’s Choice Award: Branthaven Homes for Lake House – Grimsby

Most Outstanding Production Built Home (One storey) Gordon Tobey Developments Ltd. for: The Hawthorn – Brighton (credit to: Arriscraft International, Hollandale Nurseries Ltd., Clearsphere) Most Outstanding Production Built Home (Two storeys up to 2,500 sq. ft.)

Reid’s Heritage Homes for: Net Zero Discovery Home “Townsend Craftsman” – Guelph (credit to: Building Knowledge Canada Inc., Owens Corning Canada) Most Outstanding Production Built Home (Two storeys 2,501 sq. ft. and over) RND Construction for: Riverpark Green “The Orchard” – Ottawa

Project of the Year – Lowrise

Great Gulf for Summerlyn Village – Simcoe County

Most Outstanding Attached MultiUnit Home (semi/townhome/ stacked) Zinc Developments Inc. for: 35 Wabash – Toronto Most Outstanding Custom Home (Up to 3,000 sq. ft.)

Gordon Tobey Developments Ltd. for: The Twisted Willow – Brighton (credit to: Monaghan Lumber Specialties, Hollandale Nurseries Ltd., Clearsphere) Most Outstanding Custom Home (3,001-5,000 sq. ft.)

Discovery Dream Homes for: The Towerhill – Peterborough Most Outstanding Custom Home (5,001 sq. ft. and over) Fourteen Estates Custom Homes for: The Bolton House – Pickering …continued on page 32 OCT 8 - 22, 2016 | NEW HOME GUIDE 31

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…continued from page 31

Most Outstanding Midrise Building (4 - 10 storeys) Homes by DeSantis for: Aquablu – Grimsby (credit to: KNY Architects Inc., 52 Pick-Up Inc.) Most Outstanding Highrise Building (11+ storeys) The Tricar Group for: Azure – London and Minto Communities for: Minto Yorkville Park – Toronto (credit to: Page + Steele / IBI Group, Ferris and Associates, North Drive) Most Outstanding High- or Midrise Condo Suite (4+ storeys up to 800 sq. ft.)

Project of the Year – High- or Midrise

Minto Communities for Bside at Minto Westside - Toronto

Adi Development Group for: Nautique Lakefront Residences “Norte” – Burlington (credit to: Cecconi Simone) Most Outstanding High or Midrise Condo Suite (4+ storeys 801 sq. ft. and over) Tridel for: Scala “L5T” – North York

ROOM DESIGN Most Outstanding New Home Kitchen (New Lowrise Home up to 2,000 sq. ft.)

Mountainview Homes for: Thundering Waters “Fallsview” – Niagara Falls Most Outstanding New Home Kitchen (New Lowrise home 2,001 sq. ft. and over) Castleform Developments for: 63 Yorkview – Toronto Most Outstanding High- or Midrise Condo Suite Kitchen Zinc Developments Inc. for: 35 Wabash – Toronto Most Outstanding New Home Bathroom Fusion Homes for: Solterra “Belvoir B” – Guelph

PROJECT IMAGE & ADVERTISING Best Video Lowrise Project (1-3 storeys) Losani Homes for: The Woodlands Ancaster – Ancaster (credit to: McOuat Partnership)

Best Video High- or Midrise Project (4+ storeys) Tridel for: SQ at Alexandria Park – Toronto (credit to: The Brand Factory) Best Use of Social Media Geranium Homes for: Corporate Community – Markham (credit to: Builder Insight Group Inc., The Morrison Group)

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Best Project Logo Branding (For individual community logo) Great Gulf for: Summerlyn Village – Simcoe County (credit to: Builder Insight Group Inc.)

ON-SITE SALES PRESENTATION Best New Home Sales Office (Up to 1,500 sq. ft.)

Losani Homes for: The Woodlands Ancaster – Ancaster (credit to: McOuat Partnership)

People’s Choice Award

Branthaven Homes for Lake House – Grimsby

Best New Home Sales Office (1,501 sq. ft. and over) Kylemore Communities/Angus Glen Development Ltd. for: The 6th Angus Glen “Kylemore Presentation Centre” – Markham (credit to: Mike Niven Interior Design Inc., The Brand Factory) Best Design/Decor Centre The Tricar Group for: Azure Sales & Decor Centre – London Best Interior Decorating - Model Home/Suite (Up to 2,000 sq. ft.)

Kylemore Communities/Angus Glen Development Ltd. for: The 6th Angus Glen 2R + D – Markham (credit to: Mike Niven Interior Design Inc.) Best Interior Decorating - Model Home/Suite (2,001 sq. ft. and over) Mattamy Homes Ltd. for: Seaton Taunton Shelburne – Pickering (credit to: Q4 Architects Inc., Nak Design)

Best Website (Builder or Renovator) LIV Communities for: LIV Communities Corporate Website – http://www.livhere.ca (credit to: Impact North Inc.) Best Lowrise Ad Campaign (1-3 Storeys) Pemberton Group/Geranium Corp. for: Friday Harbour – Innisfil (credit to: The Brand Factory)

Best High- or Midrise Ad Campaign (4+ Storeys)

Best Lowrise Project Sales Brochure (1-3 Storeys)

Minto Communities for: Bside at Minto Westside “Bside Nissan Leaf Promotion” – Toronto (credit to: Kim Graham and Associates)

Branthaven Homes for: Lake House – Grimsby Best High- or Midrise Project Sales Brochure (4+ storeys) Minto Communities for: Bside at Minto Westside – Toronto (credit to: Montana Steele Advertising)

OCT 8 - 22, 2016 | NEW HOME GUIDE 33

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Trending

Exorbitant duty on drywall hurts business, homebuyers: CHBA PROVISIONAL DUTIES on gypsum board

(drywall) recently announced by the Canada Border Services Agency (CBSA) represent punitively high additional costs for business and homebuyers, according to the Canadian Home Builders’ Association (CHBA).

CBSA invoked the Special Import Measures Act on Sept. 6, making a preliminary determination of alleged dumping with respect to certain gypsum board originating from the United States to western and northern Canada. Unfortunately, the ensuing duties, effective immediately, will have far reaching detrimental effects on struggling Canadian businesses and economies, CHBA says.

“The scope of the anti-dumping investigation only considers the domestic market for drywall producers, not the impact on the rest of the industry and end-users,” says Kevin Lee, chief executive officer, CHBA. “There was not sufficient attention paid to the unintended downstream effects of this decision or the implications for the public interest.

“These extremely high duties ranging from 105.2 to 276.5 per cent, on about half of the drywall sold in western Canada, will severely affect the businesses of drywall contractors, builders and renovators, who will face losses on contracts already in place for the months ahead. At a time when our governments are seeking to avoid further housing price increases, this duty will send both house prices and affordability further in the wrong direction.”

“Supply shortages and higher costs for drywall are the last thing we need in the already vulnerable Alberta market,” adds Carol Oxtoby, a developer in Calgary. “We should be concerned that smaller companies may be forced into bankruptcy, as existing contracts may force them to fully absorb cost increases. As the Alberta economy seeks to recover, a duty that harms

MORE TRENDING ONLINE ypnexthome.ca/news

businesses and damages affordability for homebuyers is a major step in the wrong direction. Worst of all, the impacts of higher prices and shortages will be felt severely in Fort McMurray, affecting the rebuild there so important after the fires.”

“You already have a high-priced housing market in Greater Vancouver and the lower mainland,” says Nathan Stone, a builder in the BC Fraser Valley.

“No one can afford further increases to construction costs. This increase will have a negative impact on new-home buyers and homeowners’ renovation projects. Many of our drywall companies are at serious risk with contracts already in place.”

Although the duty is on imports to Canada’s western provinces, this issue will also be felt across Canada.

“This is quickly becoming a national issue,” says Bob Finnigan, national president of the CHBA and a builder in Toronto. “We are already seeing ripple effects on price and warnings of supply restrictions in Ontario, as uncertainty about the supply of

drywall grows and Ontario plants potentially start to have to supplying the western markets. As we try to keep house prices contained in the GTA, increases in drywall prices and potential shortages will only make matters worse.”

The CBSA decision on this came with an immediate imposition of the duties. While the process is ongoing and final determination is still months away, the negative impacts on industry and consumers of the duty are already being felt.

“While we respect the process, suffering companies cannot wait (until January) to see the final decision on this,” says Lee. “Even if duties are reduced or eliminated in the end of the review process, or if we have to request a hearing into the public interest because the duties are upheld – the damage to industry will be done.

In the meantime, efforts to reduce house prices and protect affordability, as well as those to support the economy as it seeks to recover, are being undermined severely.”

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VI-000 035-Ge

there’s lots to love about life in stouffville!

Located steps from a natural ravine with miles of trails at your door, and just a short bike ride from the inviting cafes, bistros and shops of Downtown Stouffville, VISTA Flats and Towns is the final release in the award-winning Neighbourhoods of Cardinal Point community.

Nestled against mature woods, this innovative collection of condominium one-storey flats and two-storey towns offer distinctly unique designs and lifestyle choices in a convenient location minutes from Highways 404, 407 and the GO Train.

Introducing VISTA Flats and Towns. Enjoy a new point of view.

incredibly priced from the high

register now! vistaflatsandtowns.com

$300’S

including underground parking

GERANIUMHOMES.COM Prices and specifications are subject to change without notice.

Brokers protected. E.&O.E. October 2016.

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BILD 2014 P2G COMMUNITY OF THE YEAR BILD 2012 HOME BUILDER OF THE YEAR CHBA 2011 GRAND SAM AWARD WINNER

9/22/16 10:34:53 AM 2016-09-27 2016-09-27 11:02 5:07 PM AM

Trending

The development industry got ‘smashed’ at 2016’s hottest fundraiser CRISP TENNIS WHITES, quick paddles

and hard backhands were the order of the day at this year’s Smashed Ping Pong Tournament and after party.

Presented by Zancor Homes and Lifetime Developments, the fifth annual Smashed fundraising event was held on Friday, Sept. 30 at a new location. Smashed took place at Rebel Complex — Toronto’s hot new entertainment venue at the site of the former Sound Academy, located at 11 Polson St. in the Lower Don Lands, just south of Toronto’s historic Distillery District.

“After an extremely fun and successful event in 2015, the industry has been buzzing about Smashed for months now; with all this excitement, this is sure to be our biggest and best year yet,” says Brian Brown, co-chair of the Smashed Charity Ping Pong Tournament and Event, and Lifetime Developments’ vice president. “We are really excited about the new, neverbeen-seen before Rebel Complex location. It will be a refreshing change up and the bigger venue will allow us to have more people joining the fun for a great cause.”

General Admission tickets were $200 in advance or $300 for those competing in the Ping Pong Tournament; all ticket prices included an open bar. The Smashed event dress code was Tennis Whites, and on. Doors opened at 6 p.m., and once the action was over, the after party kicked into high gear at 9 p.m.

The Smashed Ping Pong Tournament is one of the development industry’s hottest events, and has seen an incredible amount of support from the building community over the last few years, having raised more than $350,000.

“We are extremely impressed by,

MORE TRENDING ONLINE ypnexthome.ca/news

and grateful for, the participation of so many who have helped make Smashed such a hit, year after year,” says Brown. “The generosity of those supporting the event, including members of the development industry and friends of Lifetime and Zancor, has always been overwhelming and demonstrates a shared concern for Torontonians in need.”

While the event has been a resounding success thus far, Lifetime and Zancor are not resting on their laurels. The developers went bigger than ever this year, raising the fundraising goal to $250,000, hoping to smash their record from last year.

The proceeds raised at this year’s Smashed event will benefit the Lifeline Foundation, Make a Wish Foundation, and Free the Children.

Lifeline was founded by Lifetime Developments in 2014 with the goal to provide aid and support for Toronto’s vulnerable and at-risk communities by raising awareness and funds, and by facilitating various hands-on initiatives and on-thestreet activities to improve the lives of those at risk. Lifeline is dedicated to building healthy communities and uses the funds raised to support local organizations and initiatives with an emphasis on homelessness, at-risk youth, food bank services, counselling, and educational services.

If you were unable to attend Smashed this year, donations can still be made to Lifeline by visiting lifelinecares.ca For more information, visit smashedpingpong.com

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MARKHAM’S BEST NEW

FREEHOLD TOWNHOME

VALUE!

LIVE. WORK. PLAY. TOWNHOMES. A place for your FAMILY

A place for your DREAMS

WORK

LIVE FEATURE HOME THE RISEBROUGH UP TO

2,365 SQUARE FEET

INCLUDES • 4 bedroom (Corner Design) • 2.5 bathrooms • Walk-in closet • Plenty of windows • Parking for 2 cars • Second floor laundry • A cold cellar (if grade permits)

DON’T MISS OUT!

25’ FREEHOLD TOWNHOMES

LIVE/WORK TOWNHOMES

$800’S

$1Million PLUS

from the mid

from 1,682 sq. ft. up to 2,365 sq. ft.

from

from 2,502 sq. ft. up to 5,089 sq. ft.

Big Back Yards and Terraces Included.

Enjoy the close-knit community vibe...

Boxgrove Village is the perfect place to raise a family.

TERRACES

M ARKH A M

SALES OFFICE HOURS: Mon - Thu: 1:00 - 8:00pm, Fri: CLOSED, Sat - Sun: 11:00am - 6:00pm

905.209.7667

South of HWY 407 & East of 9th Line

BoxgroveVillage.com Prices, plans and specifications are subject to change without notice. All renderings are Artist’s concept.

See sales representative for more details. E. & O.E.

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aristahomes.com

2016-09-13 10:38 AM 2016-09-27 2016-09-27 12:25 5:07 PM

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11:02 AM

COMMUNITIES

ENCORE 2 BRAMPTON IMPRESSIVE NEW FAMILY-SIZED SEMIS DESIGNED FOR GRACIOUS LIVING PLUS ELEGANT DETACHED 38’ LOT HOMES. PHASE 2 OPENS THIS FALL. REGISTER NOW.

KLEINBURG GLEN KLEINBURG AN EXCLUSIVE COLLECTION OF LUXURY HOMES IN A PRIME KLEINBURG ADDRESS ON 38’ & 42’ LOTS. PHASE 2 COMING THIS SEPTEMBER. REGISTER NOW.

RIVERWALK ANGUS

WHAT MAKES A GOLD PARK HOME SUCH A

HOMES WITH FABULOUS VIEWS, ACCESS TO FORESTED TRAILS THAT WIND DOWN TO THE LUSH RIVER VALLEY ON 36’, 42’ & 50’ LOTS. MODELS NOW OPEN.

VALUABLE PURCHASE? IS IT THE 50-YEAR FAMILY TRADITION OF CAREFULLY CRAFTED HOMEBUILDING? IS IT THE FINE FEATURES OR THE INSPIRED DESIGNS? IS IT THE NEIGHBOURHOODS THAT GOLD PARK SELECTS AND THOUGHTFULLY DEVELOPS FROM RAW LAND TO FINISHED COMMUNITIES? OR IS IT THE CHOICE OF ARCHITECTURALLY-INSPIRED ELEVATIONS? WHATEVER THE REASON, THE REASSURING FACT IS THAT TODAY, AND TOMORROW,

A GOLD PARK HOME IS SIMPLY WORTH MORE.

FUTURE COMMUNITIES TOWNS, SEMIS & SINGLES BRAMPTON A BEAUTIFUL COLLECTION OF TOWNS, SEMIS, 45’ & 50’ LOTS AT CLARKWAY & CASTLEMORE.

DETACHED HOMES VAUGHAN DESIRABLE NEW COMMUNITY OF DETACHED HOMES AT PINE VALLEY & TESTON RD. ON 40’ - 70’ LOTS.

CONDOMINIUMS VAUGHAN LUXURIOUS CONDOMINIUMS AT JANE ST. & HWY 7.

G OL D PARK H OM E S.COM Specifications subject to change without notice. E. & O.E.

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Advice | QUICK TIPS

‘Fall’ into your organizing groove

By Hellen Buttigieg

WITH THE KIDS BACK at school, fall is the perfect time to de-clutter and get your home organized before the snow hits the ground.

What’s in your freezer?

An organized freezer allows you to find and use what you have, prevents waste and saves you money. Freeze sauces, meats and berries in zipper freezer bags and use permanent marker to write the contents and date directly on the bags. Use sturdy, flat-bottomed freezer baskets to store the floppy freezer bags. Organize by category (frozen vegetables in one basket, sauces in another). Place new foods at the back of the freezer and use the oldest food first.

Store your seasonal clothing Before storing them, ensure that they have been cleaned. Even if items appear clean after wearing, body oils can cause stains that set over a few months and may attract moths.

Never store clothing in plastic bags for extended periods (even those that come from the dry-cleaners); they trap moisture and encourage mildew.

Use cotton garment bags instead.

Avoid storing clothes in cardboard boxes as acids in the cardboard can cause fabrics to yellow and the glue between the layers can attract insects.

Use lidded plastic storage containers instead. Tuck some cedar blocks or shavings inside (it’s less toxic than moth balls). Always store the clothes in a cool, dry, dark and wellventilated area.

Maximize bathroom storage space Place items you use daily within easy reach, like on the countertop, in the top drawer or in a hanging organizer in the shower area.

Store items used once or twice a week in the next most-accessible place, like the middle drawer or under the sink.

Stash items used only once or

MORE ADVICE ONLINE ypnexthome.ca/news/advice

twice a month in the back of the cupboard or in labeled boxes.

For shared bathrooms, avoid turf wars by giving each person their own shower tote, which can be stored in the person’s bedroom when not in use.

How do you file your paperwork?

Some experts suggest placing new paper behind previous ones (filing to the back) because it’s faster and easier to drop papers in the file that way. On the other hand, when you are looking for papers inside your files, you are more likely to need the most current ones, so you could access them faster if you filed them at the front. This just goes to show that organizing is not one size fits all; you need to find the systems that work best for you.

Hellen Buttigieg is a certified professional organizer, life coach, TV host, owner of We Organize U and author of the bestseller, Organizing Outside The Box. For tips on getting organized, visit weorganizeu.com and sign up for the free newsletter.

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M8-000 041-Ge

BREATHTAKING RAVINE RESIDENCES AT HIGHLAND CREEK Combining an intimate ravine location with an exclusive offering of just 12 exceptional single family homes, 12 ON THE RAVINE is the hidden residential jewel of the Greater Toronto Area.

Here, 43 foot lots up to 300 feet deep nestle against tall stands of century old oak, pine and maple, creating the ideal setting for a collection of homes that showcase Geranium’s meticulous attention to design detail and quality craftsmanship.

Tucked away from the hustle, bustle and sounds of the city, you’re just a stone’s throw from the gently flowing waters of Highland Creek and mere minutes from the University of Toronto Scarborough Campus, Pan Am Sports Centre and Highway 401.

UNIVERSITY OF TORONTO SCARBOROUGH CAMPUS

COLONEL DANFORTH PARK

TORONTO PAN AM CENTRE

EXQUISITE LIVING ON THE RAVINE FROM $1.7 MILLION REGISTER NOW 1 2ON T H E RAVI N E .COM

Prices and specifications are subject to change without notice. Brokers protected. E.&O.E. October 2016.

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Advice | MAKE YOUR MOVE

Avoid being penny wise and pound foolish when planning your move

By Chuck Resnick

MORE ADVICE ONLINE ypnexthome.ca/news/advice

THERE’S AN OLD SAYING about

being penny wise and pound foolish, and I see this play out often in the moving industry.

When anticipating moving your home or business, you have the option of hiring a moving company or doing it yourself. Although people assume DIY is the economical way to go, hiring a professional mover can, in fact, save you time, stress and even money.

Think about it. By doing it yourself, you have to rent a truck, determine supplies/moving equipment and other incidentals. You need to transfer your possessions from point A to B safely and efficiently, and find helpers.

Few are qualified or willing to get behind the wheel of a moving truck, so likely what you end up with is a cargo van, which requires more than one trip. You ask a few friends and/ or family members to help with the reward of cold beverages and pizza, but at the last minute, some of them do not show up. Those who do are probably not trained in things like how to lift boxes without hurting their backs. There is much more chance of injury when people move themselves.

The most common reason why people opt for DIY is expense, because they assume that longtime, recognized, national brand movers are expensive. Relocation specialists offer skilled, trained, bonded, uniformed and experienced movers who have the same goal in mind as you — to move your items as quickly and as safely as possible.

Many movers such as Two Men and a Truck Canada offer a free, no obligation in-home estimate so you know exactly where you stand should you choose to hire them.

Many people don’t realize what it takes to move; you may be surprised at the cost and what it covers. If you hire professionals to pack as well, we have all the supplies that ensure safe traveling for all categories of possessions, from heavy books to fragile lamps. Our boxes, for example, come in standard sizes so they can be stacked in the moving van to maximize space.

We have dollies, stretch wrap, blankets and ties for securing items to the van walls. The goal is to get everything in the truck secured, so it does not shift during travel. DIYers likely lack the knowhow to do this effectively. Even if you do decide to pack your own belongings, consider purchasing professional packing materials from a reputable mover.

Whether you are moving your residence belongings or transferring office furniture, equipment and files, moving specialists know what to plan for and how to arrange the logistics.

You may have a narrow window of opportunity because of booking elevators in a condominium, for example. We make it our business to take on the headaches of the move for you. Moving is one of the most exciting — and stressful — life steps you can take. Enlisting a professional mover is a fabulous stress reducer.

If you are planning a move, think through the steps needed and keep an open mind to your options. Sure, you can do it yourself, but do you really want to? Doing it yourself will likely cost you more in time, money and aggravation. When you look at the big picture, hiring professional movers may be one of the best relocation decisions you could make!

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

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FORE 043-Fo

LOCATION • DESIGN • VALUE WITH OVER 50 YEARS EXPERIENCE

THORNHILL

Luxurious single detached homes on 46’ and 60’ Lots.

Starting from $2.5 million.

MARKHAM

A fabulous selection of freehold townhomes and singles in an established community. starting from the high $800’s.

RICHMOND HILL

DECORATED MODEL HOMES NOW OPEN

Jefferson Forest prestigious new home community. Freehold Townhomes from the high $900’s.

Sales Centre: 679 Valley Vista Drive, Dufferin and Major Mackenzie

Sales Centre: 655 Cornell Centre Blvd., Cornell Centre Blvd. and 16th Avenue.

Sales Centre: 53 Paper Mills Crescent, Yonge and Jefferson Forest

60-DAY MOVE-INS AVAILABLE Setting high standards with superior features.

foresthillhomes.ca *Prices & specifications are subject to change without notice. Finishes vary by Builder. See sales representatives for details. Renderings are artist’s concept. E. & O. E.

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Trending

7 tips for improving indoor air quality this fall season

By Dina Vieira

IF YOU THINK ALLERGIES affect Canadians in springtime only, think again. Late summer and early fall produces mould blooms and ragweed, which can heighten allergies and worsen respiratory problems for those who suffer from asthma. It is estimated that three million Canadians suffer from asthma.

Allergy and asthma sufferers are not the only ones that can benefit from clean indoor air. Almost anyone these days is sensitive to dust, mites, renovation/construction debris, second-hand smoke, pet dander, particle matter and re-circulated air from closed loop HVAC systems. All this stuff we can’t see in the air can potentially lead to a cold and flu brew, particularly in closed or windowless spaces.

Not to fret, there are a number of things you can do to improve the quality of the air you breathe in your home (and office) right now. Here are seven easy steps: 1. Open windows and doors regularly for air circulation 2. Invest in a True HEPA air purifier 3. Limit use of non-organic home fragrance products (candles, room sprays) 4. Dust and clean your home regularly 5. Do a major clean twice per year (fall and spring) to wash large items that collect dust regularly, such as curtains, bed covers, pillows, rugs 6. Add living plants to naturally clean air and add oxygen 7. Limit use of products containing VOCs (volatile organic compounds)

If you do invest in a good quality air purifier, make sure it contains a True HEPA filter (high efficiency particulate arrestance). True HEPA means the filter was manufactured, tested,

MORE TRENDING ONLINE ypnexthome.ca/news

certified and labeled in accordance with stringent True HEPA filter standards.

Filters using True HEPA standards are used in medical facilities, automobiles, aircraft, homes and offices.

Many new homes have air purification systems built in, but if you are buying or renting an older home or condo without True HEPA filtration, investing in a True HEPA air purifier will be worth it, especially if you or your loved ones are affected by asthma, allergies, respiratory issues, pet dander, second-hand smoke or VOCs. If you are renovating or building your home, VOCs might be more of an issue since volatile organic compounds are usually found in paint, flooring, carpets and other chemicals used in construction. A True HEPA air purifier with a VOC indicator will help reduce harmful chemicals in the air that the human eye or nose cannot see or smell. They are very subtle, but an air purifier like the Honeywell HPA250C with Bluetooth technology will indicate when VOCs are present and will work hard to help reduce them automatically.

For more information on how you can improve the air quality in your home or office, visit honeywellcleanair.ca

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COMING this FALL

REGISTER NOW

TOWNS / SEMIS / SINGLES HWY 401

Fusing urban living and a traditional environment, Saddle Ridge in Milton

N

LOCATED AT BRONTE STREET & BRITANNIA ROAD

TRAFALGAR RD.

and restaurants in Escarpment Country.

BRONTE ST.

beautiful views attract tourists and residents alike to enjoy events, shops

TREMAINE RD.

has the best of all worlds. Situated at the base of the Niagara Escarpment,

JAMES SNOW PKWY

DERRY RD.

BRITANNIA RD.

HWY 407

Register online at SaddleRidgeMilton.com

* Information correct at press time. Map not to scale. Conditions may apply. E. & O. E.

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Property Profile | GREENPARK HOMES, STARLANE HOMES

WELCOME TO ESCARPMENT COUNTRY 46 YPNEXTHOME.CA

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Location

Milton Builder

Greenpark Homes, Starlane Homes Development

Saddle Ridge Home Type

Townhomes, semis and singles Contact

saddleridgemilton.ca

Saddle Ridge – one of the GTA’s most desirable new communities IMAGINE A COMMUNITY that fuses urban living with a traditional, picturesque environment in the heart of Milton. That is what you will find at Saddle Ridge. This stunning new community is brought to you by renowned home builders, Greenpark Homes and Starlane Homes.

Each builder at Saddle Ridge is offering a spectacular selection of beautiful models and floorplans.

Starlane is excited to showcase luxury townhomes, semis and 40-ft. singles, while Greenpark will offer stunning townhomes and 46-ft. singles. Every home will be equipped with efficient features and spacious floorplans, perfect for every type of lifestyle.

Saddle Ridge is a master-planned community where Greenpark and Starlane have worked tirelessly to ensure everything the buyer is looking for is all in one location.

Milton is situated at the base of the Niagara Escarpment and is home to stunning views and modern amenities. You will be able to enjoy shopping and dining in downtown Milton, as well as awe-inspiring natural beauty and outdoor activities in Escarpment Country. This location has everything you could ever dream of.

Situated at Bronte Street South and Britannia Road, Saddle Ridge is on the southern edge of Milton. Here, you will find several hiking trails and parks to enjoy, as well as championship golf courses such as Rattlesnake Point Golf Club and Granite Ridge Golf Club. The Halton Falls, Crawford Lake

and Mount Nemo are just some of the many tourist attractions close by.

Saddle Ridge’s impeccable location is conveniently located minutes from the Milton GO Station, as well as Hwy. 401 and 407. This will make commuting throughout the GTA from your new home seamless.

You will also find an assortment of delicious restaurants, quality schools, entertainment facilities and so much more for your family to enjoy.

Greenpark has provided a dream home for more than 55,000 families across the GTA. They are an established home and condominium builder and have built a range of quality homes in the GTA’s most desirable locations for almost 50 years. They are highly regarded across the industry and have been honoured with several accolades.

Starlane Homes has built and sold more than 9,000 new homes in the GTA. Starlane takes great pride in each new home they build.

Celebrating 25 years in 2017, Starlane aims to continue to provide a great experience and stunning homes for all of their customers. Their reputation, attention to detail and great quality has earned Starlane a sparkling reputation in the industry and with customers.

Don’t miss your chance to live at Saddle Ridge in the breathtaking Town of Milton. Visit saddleridgemilton.ca for more information and to register for Saddle Ridge today.

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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 ypnexthome.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

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 Conod 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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COMING OCTOBER

N

FEATURING A COLLECTION OF

45' • 38' SINGLES & SEMIS Located just north of Newmarket in beautiful Holland Landing, Anchor Woods is a dream destination you will be proud to call home. Nestled in lush green space and only minutes from Highway 404, Anchor Woods is the perfect harmony of serenity and convenience. Brought to you by two of Ontario’s most trusted builders, there are 45’ and 38’ singles and 27’ semis starting at 2,000 square feet, with a variety of layouts to fit your lifestyle.

The time is now to turn this dream into your reality. Welcome to Anchor Woods.

LOCATED AT DOANE ROAD & 2ND CONCESSION JUST NORTH OF NEWMARKET OFF HWY 404

REGISTER NOW • ANCHORWOODS.CA

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Property Profile | REGAL CREST HOMES & ROSEHAVEN HOMES

Anchor Woods Holland Landing – coming soon!

WHEN YOU MERGE a beautiful

country environment with big city amenities, the spectacular community of Anchor Woods is what you get. In only a few weeks, Holland Landing will be home to this highly anticipated new community.

Brought to you by two of the GTA’s greatest home builders, Regal Crest Homes and Rosehaven Homes, Anchor Woods will offer a collection of homes with a range from 2,000 to more than 4,100 sq. ft. and will set on stunning 38- and 45-ft. lots, as well as a limited selection of semis. Each of these elegant homes will be equipped with a spectacular list of quality features and finishes. The exterior of

each home at Holland Landing will highlight combinations of brick, stone, arches, accent windows and more.

Located at Doane Road and 2nd Concession, just north of Newmarket, Anchor Woods will be in the midst of a stunning natural setting, while also being in proximity of all the amenities you desire. Just across the street is Holland Landing Nature Reserve and Anchor Park, creating a beautiful and serene place to live. Lake Simcoe and the East Holland River are also close by, great for a peaceful getaway.

The community also backs onto a woodlot, surrounded by picturesque views. An active lifestyle will be

encouraged here, with an abundance of trails connecting East Gwillimbury with Aurora and Newmarket.

Residents will only have to drive a short distance to access all of the modern amenities they need. Nearby, you will find big box stores, charming shops, schools, fitness centres, entertainment facilities, community centres, restaurants, golf courses and so much more. Upper Canada Mall in Newmarket offers premium shopping while Silver Lakes Golf and Conference Centre offers the finest golfing experience.

When you live at Anchor Woods, commuting throughout the GTA is seamless. The East Gwillimbury

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Location

Holland Landing Builder

Regal Crest Homes & Rosehaven Homes

Celebrating its 25th anniversary in 2017, Rosehaven Homes continues to meet and exceed its standards for excellence. The company has built more than 5,000 homes across the GTA and southern Ontario. For more than 50 years, quality and integrity have gone hand in hand at Regal Crest Homes.

Development

Anchor Woods Home Type

Single-family homes from 2,000 to more than 4,100 sq. ft. on 38- and 45-ft. lots, and limited selection of semis Sales centre

Mount Albert Road and Leslie Street, across from the Town of East Gwillimbury Civic Square Contact

anchorwoods.ca

GO Station is just a few blocks away and Hwy. 400 and 404 are quickly accessible, creating perfect options for getting around easily.

Celebrating its 25th anniversary in 2017, Rosehaven Homes continues to meet and exceed its standards for excellence. The company has built more than 5,000 homes across the GTA and southern Ontario. For more than 50 years, quality and integrity have gone hand in hand at Regal Crest

Homes. They continue to provide stunning homes in spectacular locations across the GTA. Don’t miss your chance to live in your dream home at Anchor Woods.

The new sales office will be located at Mount Albert Road and Leslie Street, just across from the Town of East Gwillimbury Civic Square.

Register for this one-of-a-kind community at anchorwoods.ca OCT 8 - 22, 2016 | NEW HOME GUIDE 51

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Advice | INVESTMENT ADVICE

Creating a space in your home for your home business

By Kathryn Kusyszyn

MORE ADVICE ONLINE ypnexthome.ca/news/advice

YOU’RE TAKING the plunge into

entrepreneurship. Now you need to make a myriad of decisions, starting with where in your home to set up your workspace. The right space can make all the difference to the success of your venture. Here are some considerations for effectiveness and productivity.

First off is the actual location.

How much space is required and the type of space available will dictate where to set up shop. Depending on your space, a den, spare bedroom or sunroom can easily suit this purpose. When a full room isn’t available, consider converting a large foyer. At the very least, and if it’s all your home can handle, designate a corner of one room as work-only space. Ensure everyone knows this is a work-only area and off limits. A physical demarcation will assist with organization as well as support clear boundaries.

Make a list of the needs and desires for the type of work you’re going to perform. You may prefer a space that offers such features as privacy, quiet, optimal ventilation, natural light, bright colours, artwork and an inspiring view. Choose the elements that are crucial for you to be at your best. Fulfill the needs first; the majority of desires will follow.

Let’s assume you need a desk, a phone and a computer. These require power, an Internet connection and lighting. Note the outlets and

“Clear entry ways and preferably a direct route to the workspace rather than through living space are ideal. Ask friends and colleagues for their impressions and how you can make it more welcoming.” electricity available. Ensure there is enough power to handle a computer, printer, desk lighting and whatever else you need all at once. Beware of creating tripping hazards with extension cords and power bars.

If you will be seeing clients or colleagues in your space, there are other considerations. Clear

entry ways and preferably a direct route to the workspace rather than through living space are ideal. Ask friends and colleagues for their impressions and how you can make it more welcoming. You may even have building amenities such as a business centre or meeting room — a perfect way to keep clients out of your personal space. Find out from the condo board if this kind of use is permitted.

Just as important to create is the mental space. Entering a workspace that meets your needs and is designated as such allows the mind to focus. When it’s both functional and pleasurable to be in your work space, your work will flow.

Kathryn Kusyszyn is a health and lifestyle consultant in Victoria, BC. She loves sharing the benefits of holistic health through yoga, massage and nutrition, and is a long-time freelance writer. Visit yogakat.ca

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

2016-09-27 2016-09-27 11:03 5:07 PM AM 2016-08-23 2:55 PM

Advice | MONEY MATTERS

Guide to building a budget

By Gail Vaz-Oxlade

MORE ADVICE ONLINE ypnexthome.ca/news/advice

So I’ve created a step-by-step plan.

Using this plan and Gail’s Interactive Budget Worksheet (gailvazoxlade. com/resources/interactive_budget_ worksheet.html), you can build a budget that will tell you how you’re doing and how much to stick in the jars if you’ve decided to live on cash.

Okay, here we go.

PEOPLE TELL ME they don’t know

how to make a budget. Once I started doing the show Til Debt Do Us Part and introduced the magic jars, people headed out to buy their own. But they still couldn’t figure out how much money to put in the bloody things.

1. On the budget worksheet, fill in all the amounts under income.

You’ll need your “gross” income and your “net” income. If you make $60,000 a year gross, you would enter 60,000/12 (which is $60,000 divided by 12.) Ditto for your monthly net income.

If you’re paid on any other schedule, you have to use your lowest monthly income as your base, and use any extra money you receive to boost your planned spending (for things like furniture acquisitions, vacations, and the like).

2. Enter any other sources of income you may have. You must use “monthly” amounts. So if you average $6,000 in annual child support received, you would enter $500 for your monthly amount. If you receive income that is irregular — like an

…continued on page 58

A

to

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…continued from page 56

MORE ADVICE ONLINE ypnexthome.ca/news/advice

If you’re spending more than 35 per cent, either you can look for ways to cut back on your housing costs, you can make more money, or you can trim in other areas (like transportation) so you end up balancing at the bottom line.

annual bonus — do not enter it under income. Why? Well, if you bank on getting it and you don’t you’ll be SOL. Better to use that money for things like gifts, vacations, and other extras — things you don’t have to pay for if the bonus doesn’t materialize.

3. Now it’s time for the fixed expenses. Get out your last bank statement(s). Based on what you spent last month, fill in the fixed expenses. Don’t worry if the numbers seem high at first, just put in what you spent last month, based on what went out of your bank account.

4. We’re going to skip down to “saving” now. Yep, you have to save.

Don’t bother arguing, you have to save. I want you to divide your monthly income by 100 and multiply your answer by five. There, that’s five per cent and is the minimum you should be saving. Ultimately, you need to save 10 per cent, but let’s start with five per cent and work from there. Under “emergency” enter $100.

5. Next we’ll do debt repayment. Add up your monthly debt repayment amounts. Include what you’re spending to repay everything except your mortgage and your car loan/ lease. Put it under “debt repayment.”

Two more things:

6. Now look at the bottom line on the budget — the line that says Income – Expenses. What do you have left? Whatever it is, that’s what you have to work with to budget for your variable expenses. Yup. That’s it. Go ahead and divvy up the money in the various categories under Variable Expenses. If you find you’re left with $20 a month for groceries and you know that just won’t do, then you have two choices: You can go back and cut expenses.

Yup, even in fixed expenses you can find places to cut like cell phone or cable.

You can make more money. Work harder, work smarter. Get a second job, a third job, a better job.

That’s your budget.

8. You’ll also see your percentages automatically calculated. The financial rule of thumb says you shouldn’t spend more than 35 per cent of your net income on housing. (That includes mortgage/rent, condo fees/ maintenance, property tax and utilities.)

If you’re spending more than 35 per cent, either you can look for ways to cut back on your housing costs, you can make more money, or you can trim in other areas (like transportation) so you end up balancing at the bottom line.

It’s your money. You can do anything you want with it except spend more than you make.

7. You’ll see that the budget automatically calculated how much must go into each of your jars each week/month if you plan to live on cash.

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

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Advice | LEGALLY SPEAKING

Closing costs 101

By Jayson Schwarz

MORE ADVICE ONLINE ypnexthome.ca/news/advice

WHEN YOU CLOSE on your new home,

there are three groups who will come a-knockin’ looking for payment — the builder, the government and the lawyer.

Your lawyer generally collects all of the necessary money from you and your mortgage company, doles it out to the builder and government, and keeps his cut.

The builder will get paid the purchase price of the property from your mortgage company, less the deposit — which you’ve already paid.

You may even get a credit for certain items called “adjustments” which will be reflected on a document called the Statement of Adjustments. HST payable, the original purchase price on the property, real estate taxes, hydro expenses, common expenses and maintenance fees (as applicable), connection costs, levies and charges are but a few examples. Review this document carefully and ensure you understand all the charges that you are required to pay. This is the final figure owed to the builder.

The Ontario and City of Toronto governments also want their share, in the form of land transfer taxes and sales tax. There are many other items, but they usually show up on your lawyer’s disbursement account or trust reconciliation, as do many of the municipal compliance request charges.

Speaking of the lawyer’s account... First of all, you have to

B

“Remember, a large part of your closing costs is based on what you negotiate at the beginning of the purchase process.” pay the legal fee, whatever the amount you agreed to. You did have a pre-agreed fee, didn’t you?

Then come disbursements, those monies expended by your lawyer on your behalf necessary to close the transaction, like registration charges, title insurance, couriers and searches. Be careful — it is here that someone may try to take advantage of you by charging high fax, mail and photocopy fees. Have your lawyer

justify all expenditures that don’t make sense.

Remember, a large part of your closing costs is based on what you negotiate at the beginning of the purchase process.

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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Property Profile | TIMES GROUP

Valleymede Towers and Luxe Townhomes Times Group Corp. to release one of Markham’s most sought-after condominium projects RENOWNED FOR completely

transforming the Hwy. 7 corridor, Times Group Corp. is making a triumphant return to the area with its newest and most anticipated project to date.

Adding to the lower Richmond Hill skyline, Times Group Corp. is set to release its latest condominium community, Valleymede Towers and Luxe Towns. Priced from the low $300’s, the community will include

two contemporary 10- and 15-storey condominium towers as well as an exclusive limited collection of 45 threestorey, two- and three-car garage townhomes, priced from $1.2 million.

Offering among the lowest condo fees in the GTA, Times Group Corp. has created a master-planned community with unsurpassed quality and enduring value.

Created with an urban chic hotel feel, Valleymede Towers will stand out

with its striking modern architecture and skillfully layered textures.

Layouts offer the maximum in style and comfort, each with expansive outdoor balconies and terraces.

Standard features at Valleymede include thermally insulated, energy efficient, low E Argon Gas windows, nine- and 10-ft. ceiling heights, plank laminate flooring, and engineered hardwood flooring in suites with 10-ft. ceilings. Designer-inspired

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Location

Richmond Hill Builder

Times Group Development

Valleymede Towers and Luxe Townhomes Home Type

10- and 15-storey condominium towers and three-storey, twoand three-car garage townhomes Contact

valleymedetowers.ca

kitchens include custom designed upper and lower cabinetry, granite countertops, ceramic tile backsplash, under-cabinet valance lighting and Energy Star compliant stainless steel appliance packages.

Exclusive to Valleymede Towers is its incredible selection of luxuriously appointed amenities, including a state-of-the-art fitness studio, a vibrant multi-purpose/party room, a library and a billiards lounge. Other

Created with an urban chic hotel feel, Valleymede Towers will stand out with its striking modern architecture and skillfully layered textures.

features include modern, boutique style lobbies, beautiful guest suite and expansive multi-purpose rooms.

Pioneering sustainable building for more than two decades, Valleymede Towers and Luxe Towns are a true reflection of the company’s environmental conscience and commitment to affordability.

Situated in the highly sought after Hwy. 7 East area (between Bayview Avenue and Leslie Avenue), residents will be surrounded by an incredible array of shopping, world-class golf courses and lush parks. Residents will also get to choose from an array of highly acclaimed schools from noted daycares to the highly anticipated and talked about future York University.

Mere minutes from all major public transportation systems and thoroughfares, residents will have direct access to VIVA, the TTC and Go Transit, with the Bus Rapid Transit (BRT) coming soon across Hwy. 7.

To be among the first to purchase an incredible new suite or townhome, register today at valleymedetowers.ca OCT 8 - 22, 2016 | NEW HOME GUIDE 63

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Neighbourhood Profile

Maple

Fast facts

Vibrant suburban life

Average household income

$120,511

By Anne Marshall

Family structure

SINGLES

COUPLES

FAMILIES

17%

25%

58%

c

S Own vs. rent

84% OWNERS

16%

RENTERS

Education levels

MORE PHOTOS ONLINE

UNIVERSITY

HIGH SCHOOL

32%

40%

COLLEGE

28%

ypnexthome.ca/maple SOURCE: ENVIRONICS

THIS SECTION OF VAUGHAN has

become an appealing destination for those looking to enjoy all the perks of small-town life, within easy driving distance of the city. Just east of Hwy. 400, Maple stretches from Rutherford Road in the south to Teston Road in the north.

deep to find any of the local and independent businesses that usually define a smaller community. Since most development has occurred in the last twenty years, there aren’t a lot of mom-and-pop places: this is chain store and franchise heaven.

Lifestyle Maple is abuzz. This is a suburb, but not a sleepy one. Active families on the go and a much younger population make this a happy, noisy community in which every day has the potential to be a “grand day out.”

Meet the neighbours It doesn’t get more family friendly than Maple, and that’s who you’ll mainly find living here. Few single professionals are drawn to Vaughan for reasons other than work. Maple is very diverse, and the area is modern and well-rounded.

Vibe While attractive shopping and entertainment options draw many visitors to Maple, one has to dig pretty

In the area Maple has all the amenities you’d expect — big box shopping, movie theatre, mall — and then a few you

wouldn’t expect such as Canada’s Wonderland, a roller coaster amusement park. Many residents jokingly boast about their “mountain views” – the park’s Thunder Mountain.

Planes, trains & automobiles Access to Hwy. 400 makes this area attractive to commuters. It’s pretty easy to get around on foot and there is a transit system connecting Maple to the city.

Real estate Maple is late twentieth-century suburban paradise. The more established area near Rutherford boasts houses and townhomes with peaked dormers. Further north, housing continues to expand far into the former farmland .

Anne Marshall has lived in New York City, Glasgow, Scotland, Greensboro, NC, Toronto, and somehow ended up back in the fabulous small city of Guelph, where she grew up. When not busy running her own matchmaking business, writing and raising her eight-year-old son, she loves nothing more than exploring new areas.

IN

» »

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OCTOBER 8 - 22, 2016

central north SHOWCASING NEW HOMES IN THE GTA’S CENTRAL & NORTH REGIONS

IN THIS SECTION

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

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Inspiration | DESIGNER ADVICE

The fully furnished

BATHROOM

By Yanic Simard

WANT THAT PEACEFUL SPA

atmosphere in your new home?

Modern furnishings and minimalist design are a good starting point for a blissful bathroom. However, when we go too clean with our ensuite treatment, sometimes the space can begin to feel less calming and more clinical. With these tips for introducing inviting furnishings, you can add a little warmth to your washroom space and rediscover true relaxation.

Side table » An easy addition, a simple side table or stool placed next to a vanity or tub invites you to sit while drawing a bath, chat with family or a friend while getting ready for an evening out, or perch a good book and a glass of wine. » If you’re worried about moisture damage, a ceramic indoor/outdoor stool is a perfect choice to resist the dampness, with endless options for colour or pattern (or classic black for a punch of drama). Plus, in summer when you spend more time on your balcony and less time in a hot bath, this stool can move outdoors as a compact extra seat. » I often use wood stools in bath spaces (including in my own recent bath renovation), as the organic texture adds a sense of warmth sometimes missing in spaces dominated by stone and glass.

Look for a petite form which can tuck away when not in use to save space.

Chair » Similar to a stool, a chair placed in the bathroom helps tie the space back to other areas of your home, with the added benefit of providing the perfect place to drape clothing or a towel. » Choosing a transparent plastic, polished aluminum, clean white or an open shape (like a classic bentwood bistro chair) will help …continued on page 68 66 YPNEXTHOME.CA

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A HOUSE WITH A YARD? IT’S CLOSER THAN YOU THINK

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…continued from page 66

keep the look light and airy. As with stools, choosing an outdoorfriendly design will ensure the piece can handle a little ambient moisture, and many outdoor options come in powder-coated metal or tinted acrylic for a hint of colour. » If you have room, a small sofa, club chair or chaise creates a look of true luxury, dramatically blurring the lines between spaces and evoking the atmosphere of an elite spa.

Cart » A multi-layered cart is an excellent place to store toiletries and other bathroom essentials in a way that’s both beautiful and convenient.

It’s another design-approved idea I put to the test in my own home!

A cart can easily move out of the way or pull closer to the vanity, and perches perfectly under a window or in a corner without blocking elbow room like a full-height cabinet would. » Use simple jars, drinking glasses or open vases to store items like cotton swabs and toothbrushes, and baskets or boxes for items you want hidden, with space left for rolled towels and an occasional fresh bouquet. » To get that unexpected charm, skip the “bathroom carts,” opting instead for a metal bar cart (especially a vintage find) or a wellsealed butcher-block kitchen cart and boldly repurposing it.

Chest » If you have room for nothing else, you can always create a furnished look in your bathroom by replacing a minimal or built-in vanity cabinet with a chest of drawers or vintage console.

MORE INSPIRATION ONLINE ypnexthome.ca/news/inspiration

» Since a sink can be installed in virtually any furniture piece with the right height and basic structural shape, think outside the box for items that can work, such as a writing desk or old wine barrel (with an added stone top). Just ask the shop to hold the item while you confer with your plumber!

» Look to places like Habitat for Humanity ReStore or other second-hand stores for furniture pieces with a story that just need a little refinishing (which you can then have applied in the form of a bathroom-friendly paint or sealer) rather than extravagant antiques.

Yanic Simard is New Condo Guide’s design editor, principal designer of award-winning Toronto Interior Design Group (tidg.ca), and regular guest expert on City’s Cityline.

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2016-09-13 2:02 2016-09-27 2016-09-27 11:03 5:07 PM PM AM

Inspiration | STYLE FILE

DESIGNING YOUR

CHILD’S ROOM FOR TODAY AND TOMORROW

By Jo Alcorn

DESIGNING A CHILD’S room can seem like a daunting task that comes with a hefty price tag. Add in the belief that a child’s room needs to re-done every few years as they grow and their tastes change, and this task goes from daunting to discouraging. But it doesn’t have to be.

First and foremost, think long term. The design should incorporate elements and furniture that can grow with your child through their years, carrying them from childhood to tweens to their teen years. Don’t get carried away with a character themed room; think more generic, with colour choices and include small, replaceable (read: economical) objects to incorporate their latest character obsessions.

In each of the tween rooms that I recently worked on, I created reading zones. In the girl’s room I included a great HomeSense find – this chair and pink puff will be ideal for entertaining friends when that time comes; but for now, we’ve added a faux sheep skin to make it the ideal spot for her curl up with a favourite book and drift off into

fantasy land. I also added in a great reading light from Bouclair.

In the boy’s room, I wanted to add a zone where he could read, play games, hang out with friends and act as an extra sleeping spot for guests (pending their age and size). A lounge chair from IKEA was the perfect fit and durability for a

child. It provides a relaxing spot to kick back with his feet up, for reading alone or for curling up with a parent. This chair’s purpose can be transformed as he grows up, and might even move out with him!

Storage for kids is key. They have so many little toys, gadgets and books, that it’s great to be able to

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“Storage for kids is key.

They have so many little toys, gadgets and books, that it’s great to be able to stow them away so the floor doesn’t become a clutter zone.” stow them away so the floor doesn’t become a clutter zone. In the girl’s room, I chose chest storage with pull out bins and doors from IKEA. This is another piece that is really timeless. You can fancy it up in the early years to be a dress-up station, while in later years it can be used for clothing storage, art supplies and more.

The bed I selected for the boy’s room has a desk under it and tons of storage (Stuva Loft Bed from IKEA).

There is open shelving where we added in bins for toys and books – and a side closet that can be used …continued on page 72 OCT 8 - 22, 2016 | NEW HOME GUIDE 71

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for clothing or more toys.

Play with textures and colours – don’t get stuck on the traditional.

Allow smaller accessories to be the themed items so they can easily be changed and updated as your child grows. Patterned baskets allow for quick clean-ups and add some fashionable elements to the space.

Fun pillows and throws are budget friendly and can transform the design and mood within seconds.

For instance, in the girl’s room, I chose HomeSense bedding from their adult line, which is feminine by not childish. Also, going with the double size instead of twin means the bedding doesn’t have to be changed when she’s ready for a bigger bed.

For the boy’s room, I chose to work with a light grey paint from Para, knowing that this room will need to age well and be cool for many years to come. The natural grey is a colour that allows the room to feel warm but is not the focal point in the room. Using a lighter colour on the walls allows the pieces within to standout. As he grows and refines his tastes, these grey walls will coordinate with future room modifications.

I love to bring colour and life into a room through artwork; it’s an easy way to update and refresh any space. It also adds a personal touch by including drawings and artwork created by the room owner. For kids who love to draw or paint, having a home for their masterpieces, and one that can be updated at whim, adds a touch of their own personality to their room.

Have fun shopping and creating your child’s ideal room for now and the future. This is the space where your child will dream, read, dress and grow, so go ahead and enjoy designing this space for them.

“Patterned baskets allow for quick clean-ups and add some fashionable elements to the space. Fun pillows and throws are budget friendly and can transform the design and mood within seconds.”

Tribute Communities has been featured as “Model HOME Of The Month”

…continued from page 71

MORE ADVICE ONLINE ypnexthome.ca/news/advice

Jo Alcorn is a celebrity designer specializing in small spaces and design solutions for all budgets. She is the interior expert on HGTV’s new show Critical Listing, and shares her expertise regularly on TV and through her monthly column at the Toronto Sun. Visit whitewashco.ca

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Tribute Communities has been featured as “Model HOME Of The Month” as seen in the New Home Guide model home calendar

Model Home Photo Compliments of Tribute Communities

www.mytribute.ca

When you visit the Gates of Nobleton, you can enjoy an immersive first hand experience of the community’s luxury lifestyle by touring its spectacular designer decorated show homes. These show homes are all brilliantly appointed with an impressive selection of distinctive features and finishes, giving the Gates of Nobleton the highest possible standards of luxury design.

OCTOBER 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

GATES OF NOBLETON By: Tribute Communities City: Nobleton Housing type: Collection of 50-, 60-.

70- and 80-ft. detached homes mytribute.ca

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

BLUE SKY – FIELDGATE HOMES

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

NEWTOWNS AT MOUNT PLEASANT By: Primont Homes City: Brampton Housing type: Final phase of masterplanned community of townhomes primonthomes.com

BLUE SKY By: Fieldgate Homes City: Stouffville Housing type: 36-, 40- and 50-ft. singledetached homes from the $900s fieldgatehomes.com

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

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

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

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

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

CORNELL ROUGE By: Madison Homes and Forest Hill Homes City: Markham Housing type: Freehold townhomes and single-family homes from the mid-$800s cornellrouge.com

PARK RIDGE By: Tribute Communities City: Oshawa Housing type: Detached community offering 36-, 40- and 50-ft. designs mytribute.ca

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

…continued on page 76

74 YPNEXTHOME.CA

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LATEST LISTINGS

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

…continued from page 74

preview registration

COUNTRY LANE – ANDRIN HOMES

WOODHAVEN AURORA By: Brookfield Residential City: Aurora Housing type: 30- to 50-ft. detached homes starting from $1 million woodhavenaurora.ca

SADDLE RIDGE By: Greenpark Homes City: Milton Housing type: Townhomes, semis and 46-ft. single homes greenparkhomes.com

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

AFFINITY CONDOMINIUMS

BOXGROVE VILLAGE

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

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

VISTA

ANCHOR WOODS

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

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

WHITBY CENTRAL

REAL TOWNS

THE BROOK

VICTORY HEIGHTS By: Treasure Hill Homes City: Vaughan Housing type: 40- and 42-ft. luxury singles at Eagles Landing Road and Dufferin Street treasurehill.com

BELLE AIRE SHORES

By: Madison Homes City: Thornhill Housing type: Townhomes starting from the $900’s madisonhomes.ca

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

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

HERITAGE TOWNS

THE LOGGIAS IN RICHDALE

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

SEATON TAUNTON

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-$500’s ballymorehomes.com

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

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

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

76 YPNEXTHOME.CA

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Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS

variable

ATB Financial

2.3

Alterna Bank

2.45

Bank of Montreal Bank of Nova Scotia

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

2.29 4.00op 2.34

2.44

2.49

2.49

2.4

2.69

2.48

3.19

3.59

4.09

2.59

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

2.79 2.34

3.34 2.44

3.99 4.39

4.44 4.64

2.84

3.39

2.39

2.59

3.24

3.49

3.69

3.79

2.7 2.9

Canadian Western Bank CIBC

6 months

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 Royal Bank

2.7 2.6

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

6.75op

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.3 n/a

MTCC

2.9

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

4.74 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 2.45

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

2.49 2.89

3.09

3.39

3.89

4.74

3.2

3.65

4

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

2.39

2.49

2.49

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 Sep 26, 2016. Prepared By Fiscal Agents Financial Information Services 905.844.7700

OCT 8 - 22, 2016 | NEW HOME GUIDE 77

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projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

29

Averton Homes

Main Street Seaton

289-545-0022

59

Briarwood Homes

Young’s Cove

youngscove.ca

Brookfield Residential

Foxtrail

foxtraillife.ca

Fieldgate Homes

Whitby Meadows

fieldgatehomes.com

D

T

Mattamy Homes

Seaton

www.mattamyhomes.com

D

T

Treasure Hill Homes

Shift

treasurehill.com

Tribute Communities

Corporate

mytribute.ca

D

Tribute Communities

Park Ridge

mytribute.ca

D

Tribute Communities

U.C.Towns

mytribute.ca

D

Andrin Homes

Hillsborough Holland Landing

andrinhomes.com

D

Aspen Ridge Homes

King Country Estates

905-558-0255

D

Aspen Ridge Homes

Queensville

yourqueensville.ca

D

29

Averton Homes

Victoria Highlands

416-924-0110

D

29

Averton Homes

Village Green

Averton.ca

69

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 $310,000

Brookfield Residential

Fieldstone

1-855-379-1495

Brookfield Residential

Grand Central

905-778-0873

Brookfield Residential

Treetops

1-855-590-3577

25 21 53

SITE

CONTACT INFO

continued from page 80 PROPERTY TYPE

PRICE RANGE

from $350,000 S

T

PIN

MAP FINDER

70

25N

43

27G

31

28N

from $350,000 from $470,000 from $350,000

44

24N

70

25N

from $750,000

88

31N

from $556,000

71

30M

from $820,000

51

18E

18

13I

from $550,000

46

20D

from $850,000

69

23E

T

from $590,000

69

23E

T

from $560,000

20

12E

20

12E

from $600,000

76

5E

from $600,000

47

16D

from $370,000

49

13A

T

from $330,000

19

11E

T

from $240,000 from $750,000

51

18E

from $600,000

65

20E

from $700,000

52

17D

T

North

69

T

S

from $550,000 S

T

from $560,000

Brookfield Residential

Willow Glen Tottenham

905-406-1044

67

ELM Developments

Georgian Sands

georgiansands.com

19

Great Gulf

Hillsborough Holland Landing

greatgulf.com

Great Gulf

Sharon Village

905-478-7362

Great Gulf

Summerlyn Village

905-775-3461

Mattamy Homes

The Estates of King Township

mattamyhomes.com

T

74

16I

Menkes

Hometown Sharon Village

menkes.com

T

54

19F

49

Regal Crest Homes

Anchorwoods Holland Landing

anchorwoods.ca

D

S

86

19E

49

Rosehaven Homes

Anchorwoods Holland Landing

anchorwoods.ca

D

S

86

19E

Treasure Hill Homes

Acacia Estates

treasurehill.com

56

16J

Treasure Hill Homes

The Estates of King Township

treasurehill.com

87

16I

Tribute Communities

Gates of Nobleton

647-633-3500

Aspen Ridge Homes

Mayfield Village

905-230-2592

D

Averton Homes

Averton Square

Averton.ca

D

21

S D

T D

T

from $2360,000

D T

from $1000,000

18

13I

T

from $360,000

22

9L

T

from $500,000

West 29 & 55

57

25

45

S

Brookfield Residential

The Village

1-866-930-0050

Dunpar Homes

Heritage Gate

416-236-9800

S

T

from $720,000

77

10S

Dunpar Homes

Trafalgar Ridge

416-318-9112

S

T

from $850,000

29

8U

Fieldgate Homes

City Towns Valley Lands in Brampton

fieldgatehomes.com

D

S

T

from $400,000

26

9P

Fieldgate Homes

Lotus Pointe Caledon

905-838-2806

D

T

from $724,000

23

8M

Fieldgate Homes

Valley Lands

905-457-0445

D

T

from $800,000

26

9P

Gold Park Homes

Encore Brampton

905-970-8236

D

from $650,000

63

8M

Great Gulf

Trafalgar Landing

905-844-1605

from $200,000

30

8V

Great Gulf

Westfield

905-866-6876

D

from $537,000

24

8P

Greenpark Homes

Saddle Ridge

saddleridgemilton.ca

D

S

Greenpark Homes

Upper Oaks

upperoaks.ca

D

S

Mattamy Homes

Cranberry Hill

mattamyhomes.com

Mattamy Homes

Hawthorne South Village

mattamyhomes.com

T

Mattamy Homes

Mount Pleasant North

mattamyhomes.com

T

Mattamy Homes

The Preserve

mattamyhomes.com

Mattamy Homes

The Village of Southfileds

mattamyhomes.com

Mattamy Homes

Topper Woods

mattamyhomes.com

from $300,000

S

T T

from $325,000

D

T

from $634,000

59

6S

from $496,000

60

7O

from $406,000

29

7V

66

8M

28

6O

25

7O

27

8M

23

8M

78

11L

C T

from $520,000

T

from $195,000

Mattamy Homes

Wildflowers

mattamyhomes.com

7

Menkes

The Enclaves of Upper Canada

289-891-9103

13

Primont Homes

Newtowns at Mount Pleasant

primonthomes.com

13

Primont Homes

Seasons in Caledon

primonthomes.com

Starlane Home Corporation

Lotus Pointe Caledon - Phase 2

starlanehomes.com

D

Starlane Home Corporation

Mountainview Heights

starlanehomes.com

D

S

T

Starlane Home Corporation

Saddle Ridge

saddleridgemilton.ca

D

S

T

Starlane Home Corporation

Upper Oaks

upperoaks.ca

D

S

Treasure Hill Homes

Tiara Estate Collection

treasurehill.com

45

C

D

S

from $950,000 T

S

T

from $715,000

T

T

from $1090,000

Property Type D Detached S Semi-Detached T Townhome

GTA_Map_alllistings.indd TNH 10-08-16_master.indd 2 79

2016-09-26 5:07 2016-09-27 5:48 PM

projects & communities MAP LISTINGS IN THIS ISSUE PAGE

BUILDER

SITE

CONTACT INFO

PROPERTY TYPE

PRICE RANGE

PIN

MAP FINDER

Central Andrin Homes

Glenway in Newmarket Phase II

GlenwayLiving.com

D

Arista Homes

Aurora Trails

aristahomes.com

D

Arista Homes

Boxgrove Village Markham

boxgrovevillage.com

Arista Homes

IMPRESSIONS

aristahomes.com

D

Arista Homes

Jefferson Forest

jeffersonforest.ca

D

Arista Homes

Vaughan Valley Estates

aristahomes.com

D

IFC & 1

Aspen Ridge Homes

Chelsea Maple Station

aspenridgehomes.com

D

1

Aspen Ridge Homes

Corporate

aspenridgehomes.com

D

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com

D

Aspen Ridge Homes

Scenic on Eglinton

416-805-1781

D

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

T

Averton Homes

Evolution

416-747-9691

T

Brookfield Residential

Corporate

brookfieldhomes.ca

Brookfield Residential

The Arbors

905-503-0992

Brookfield Residential

Woodhaven Aurora

WoodhavenAurora.ca

D

Brookfield Residential

Timberlane

brookfieldhomes.ca

D

Fieldgate Homes

90 Niagara

416-981-0036

Fieldgate Homes

Aurora Trails

25

Fieldgate Homes

25

Fieldgate Homes

25

5 37

S

from $650,000

68

18F

T

from $700,000

14

19G

T

from $850,000

15

22M

T

from $800,000

3

12K

T

from $586,000

10

18J

from $1200,000

7

14L

8

16L

T 45

13L

from $190,000

33

18Q

from $2100,000

34

17R

from $1099,000

4

17L

from $690,000

80

13L

from $320,000

75

13R

from $350,000

48

19H

from $1000,000

56

18I

T

from $1000,000

90

18I

D

T

from $346,000

35

16S

fieldgatehomes.com

D

T

from $620,000

14

19G

BlueSky Stouffville

905-640-0002

D

from $900,000

12

22J

City Lux Towns

fieldgatehomes.com

D

53

16L

Fieldgate Homes

IMPRESSIONS

905-893-9500

D

3

12K

Fieldgate Homes

Zigg

416-545-0223

D

36

16R

43

Forest Hill Homes

Bridle Path of Thornhill

foresthillhomes.ca

D

from $2500,000

50

18E

11 & 43

Forest Hill Homes

Cornell Rouge

905-472-9556

T

from $890,000

16

23M

43

Forest Hill Homes

Jefferson Forest

foresthillhomes.ca

D

T

from $990,000

10

18J

41

Geranium Homes

Twelve on the Ravine - Highland Creek

12ontheravine.com

D

T

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53

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37

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East 29

continues on page 79

GTA_Map_alllistings.indd TNH 10-08-16_master.indd 1 80

T from $400,000

Property Type D Detached S Semi-Detached T Townhome

2016-09-26 5:07 2016-09-27 5:48 PM

Baxter

Line

Line

Line

Line

10th

8th

11th

tC an al

A

rte si Disse tte an In

d

Simco

Ave Bayvi w

Line

Line

5th

6th

W eston Rd

Ma St in

Rd

Line

Line

Mo rn

Clay

SC a

Conc

7th 6th

4th

7th

Scotch

Rd

Conc

Line

Line

5th

Rd

Rd

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EHS

Rd

EHS

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Line

3rd

Line

Centre

3rd

of

2nd

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Wales

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Line

Line

5th

4th

Conc

Am eric an Dr

River

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d

Sideroad

Prince

Mono C

27-28

22

24-25 Sideroad

27-28 Sideroad

3rd

Browns Line

35

40

Queen St W King St W Front St W

Jarvis St

r vic e Rd

e

34

Parliament St

Se

Moore Ave

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

University Ave

e

Christie St

Lansdowne Ave

Edgewood Rd

Laird Dr

36

Bro adv iew Ave

Avenue Rd

Spadina Rd

St Clair Ave W

Davenport Rd Dupont St

Ossington Ave

Moffat Rd

Toronto Mt Pleasant Rd

OakwoodAve

1

Va ug ha nR d

Eastern

i Commiss

Rd

Park

ore esh Lak

Rd

Rd

Carey St Rd

Allen Rd

Po Lawrence Ave W

n ow thd Sou

19

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ld d

York Mills Rd

Dr or ds Win yal Ro

Dr Ford

e Lin

Lin

xley

She

Glencairn Ave

Rogers Rd

Roncesvalles Ave Weston Rd Keele St Parkside Dr High Pk

Meddaugh Rd

Wilson Hts Blvd

Caledonia Rd

Rd

Middletown Rd

Wil

Rd ian Lorne Ind Lorne Pk

d Blv

Middletown Rd

r

37

Cu

Willowdale Ave

Senlac Rd

Dr

d nR sto We

Lake Shore Blvd W

39

Drewry Ave

Eastlake

St rr Ke

Rd

New W estmins ter Dr

Sen tinel

k Cr Dr Blac

Judson St

Park Lawn Rd

82

e rmer WindeAve

The Queensway Evans Ave Horner Ave

Runnymede Rd

Norseman St

Bathurst St

Dufferin St Peter Rupert Ave

Keele St

Jane St

Oakdale Rdy

Prince Edward Dr Royal York

75

ay sw

d Blv Haig

ve rA ate Rd Atw re ho kes La

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The East Mall

Burnhamthorp eR d Bloor St W

Tho

North York

Downsview

Old

Centre St

71

Grandra v i ne D

Tre the wey Dr

Th

The West Mall d lR Mil

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4

Wilson Ave

eK ing

Summeridg e Dr

HWY

Maple Leaf Dr

Etobicoke

Richm

8 50 4 53 85Carrville Rd Langstaff Rd

Norfinch Dr Dr

Islington Ave

Kipling Ave

400

The Westway

Renforth Dr

QEW

la eo Min

Teston Rd

55

ar nm Fe Finch Ave W

Rexdale

Gamble R

McNaughton Rd

Bass Pro Mills Dr

Weston Rd

Weston Downs

Jefferson

49

Rutherford Rd

73

Bloomington Rd

King-Vaughan Rd

Weston Rd

Pine Valley Dr

Martin Grove Rd

Carlingview Dr

Cooksville

Clarkson

403

d ell R rtw Cha

Dr

Middletown

74

Kirby Rd

Langstaff Rd

Dixon Rd

2

Dufferin St

Jane St

7th Concess ion

Mill Rd 72

Rathburn Rd

He

56King Rd

11

Kipling Ave Clarence St

McGillivray Rd

Hunting ton Rd

rry nga Gle

Rd ga sau sis y kw Mis ls P Mil Erin

e Lin 9th

Lennon Rd

Fraser St

Jane St

Wanda St

Holancin Rd

Rd Wist Rd Davis

Rupke Rd

8th Concess ion

53

87

409

427

py Ex er rdin Ga

20

Barrie St

Sideroad 10

Coffey Rd

River Rd

Leonard Rd

St ian M

10th Concess ion

Cold Creek Rd

kwy nP

dale Erin Rd Stn

Rd vis Ma

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17

Rd thra Caw

de

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Rd

wy Pk

M

16th Sideroad

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Dr Gore

Rd ken Tom

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Strawberry La

4th e Lin

Rd

McKinstry Rd

Sideroad 5

Sdrd 20 Sideroad 20

11th Concess ion

Dr ay rkw Cla

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403

hill hurc nC sto Win

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Westover

Sideroad 20

Sideroad 18

12th Concess ion

line Caledon-King Town

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Dr ort Airp

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403

lvd heson B Mat

King St

Snowball

55

56

Steeles Ave W

Blv d

Emma R

Bernhardt R

17th Sideroad

King

Belfield Rd

Dr ark eyp urtn Co d ia R n n a Brit 4

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6

Woodbridge

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7

Star Dr ing

401

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Iroquois Ridge

N

Sideroad 15 Sidero

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Queen St

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St en Que

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Rd Hill

Rd ake rt L Hea

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29

Bronte

M Rd ca iss bec St issa Re ga St

St

Sideroad 10

Tottenham Rd

Adjala/Tecu mseth Tow n Line Concessio n Rd 8

Concessio n Rd 7

Conc Rd 6

St La ys Duff

oe esh Hors

rio nta Huro e Lin 8th

30

Oakville

QEW

Rd

Patterson St

Concessio n Rd 8

Concessio n Rd 5

Concessio n Rd 4

Dr ake is L Inn d wR invie unta Mo

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Rose

St

Trafalgar

403

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King St

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Glen Rd y Haff

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Palermo

Cr 38 Rd

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Rd rpe tho am rnh Bu

27

407

77

Erin Mills

38

Rd

inw Ma

Concessio n Rd 3

Concessio n Rd 2 Mono/Adjala Town Line

EHS

ay xW y Fo Terr

hard Orc

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Tu ck Palmeray

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Concessio n Rd 2

EHS

7th Line

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Henderson Rd

5

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18

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Highview Survey

20

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Waterdown e sid Park

Meda

E

Waterd

Tansley

Burlington Nelson

13

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4

5

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St

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5th

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6

Flamboro Centre

M ng Spri

7th Line

Airport Rd

EHS

t in S Ma

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Bramalea

407

72

Zenway Blvd

Pu

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31

Happy Valley

Nobleton

24

idg

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19th Sideroad

427

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Streetsville

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Milton

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Millgrove

59

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Brampton

Mississauga

3

407

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Lloydtown Au ro ra Rd

15th Sideroad

Elder Mills

52

Holland St

Edward Ave La ers Woodcho pp

16

Linton

Langstaff Rd

107

410

Rd rry De Old

Meadowvale

5

Rd rry De

73

Rd zer ene Eb

ve sA ele Ste

l e B lv

3rd Line

16th Sideroad

27

4th Line

We

Webber Rd

17th Sideroad

5

15

4

Rd nia an Brit

20

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13

8

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St nte Bro

Rd ine ma Tre ine oolL Sch Bell

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4th Line

18

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10

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Northwood Park n St

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22

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22

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Bond Head

8th Line

47

88

Nashville Rd

Huttonville

3

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7

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Hayesland

10

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18th Sideroad

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Bradford W Gwillimbu

Newton Robinson 8th Line

9

9

Pinkerton

27

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19th Sideroad

400

Penville

Schomberg Heights

Rich Hill

78

Madoc

107

Mansewood

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19

28

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63

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Thompsonville

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Green Briar

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Bethesda

15

56

49

Industrial Pkwy

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Sideroad

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Nicolston

Albert St

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27

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15th Sideroad

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Elmgrove

10

Victoria St

Sleswick

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27

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109

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Hurontario St

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Dunby Rd

76

136

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Marsville 3

109

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Cardwell

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5

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Station St

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Camilla

10th Sideroad

109

tic

11

5th Sideroad

E

Sideroad

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Elder

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8

Laurel Station

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10

10

Conc Rd 3-4 25 Conc Rd 2-3

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4th Line

D

Rd 4-5

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20th Sideroad

6th Line

Bowling Green

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25th Sideroad

15th Sideroad

Tarbert

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6

10th

Everett

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Rosemont

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Amaranth

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3

5th Line

Leggatt

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Mansfield

Whitfield

Dean Rd

19

Mulmer

Blacks Corners

Campania

Rd 8-9

SW

2

7th Line

8th Line

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Nixon Rd

O

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Main St

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4

Leskard Rd

N

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Baseline Rd

Cole Rd

Mearns Ave

Concession St 57

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14

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Presto nva le R d

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English Rd

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Duclos

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Wilson Rd

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Sew ells

Dick Re

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St ou ffv ille

La ke Dr

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401

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Trulls Rd

34 Bloor St

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G

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Solina Rd

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Washington Rd

59

Vannest Rd

Olive Ave

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Mitchell’s Corners Tooley Rd

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P

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ll i p

Old Scugog Rd

Ormiston Rd Langmaid Rd

58 King St

Bond St Gibb St

8855

62 hi

Union School Rd Wotten Rd

Enfield Rd

Grandview St N

35

22 rth St Went wo

60

Townline Rd

Burns St

54 Adelaide Ave

Park Rd

Stevenson Rd

Halls Rd

Pickering Beach Rd

Shoal Pt Rd

Westney Rd

Harwood Ave

Squire Beach Rd

Sandy Beach Rd

Henry St

Hopkins St

Dundas St

Hoyer Rd

Nestleton Rd

Cartwright West Quarter Line

Sandy Rd

Graham Rd Russell Rd

53

Enniskillen 3

Sand Bar Rd

Ogemah Rd

Washburn Island Rd

Rd

Wilson Rd

52

34

Grandview St N

Ritson Rd

Harmony Rd

Stevenson Rd N

Oshawa

28 Ma nn in g Rd

Valentia Rd

Eldon Rd

Beacroft Rd

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He ad

Harmony Rd N

Simcoe St

Thickson Rd

Anderson St Garden St

Cochrane St

Brock St

McQuay Blvd

Halls Rd

Salem Rd

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4

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2

Mountjoy Rd

57

Janetville

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33

Nestleton

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57

Byers Rd

3

71

Whitby 36

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Columbus

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Edgerton Rd

Bradburn Rd

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16

Mariposa/Ops Bdry

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Sim coe St

Stevenson Rd N

Duffs Rd

Country La

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Halls Rd N

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3143

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Taylor’s Rd

Barry’s Rd

Station Rd

Diamond Sideroad

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41

44

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24

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26

19

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32

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Myrtle

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7 12

Eden Rd

Eldon Rd

Sideroad 18

Till Sdrd

57

Church St

2

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Dagmar Rd

Ashburn

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2

Bayly St

Myrtle Rd

Scugog

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Proutt Rd

Reach St

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High P

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31

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89

38 West Hill

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38

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407

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407

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48

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29

41 49

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Ward Rd

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47

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Sideroad 18A

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La ier oz Cr

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16

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Cragg Rd Canton Rd

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7 12

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Little Britain Rd

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Spadina Sdrd

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Ball Rd

Roseville Siloam

St Johns Rd

Ballantrae 15

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23

e hor

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St John’s Rd

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Saintfield Marsh Hill

Uxbridge

2nd Concession Rd

72

14

48 57

Bayview Ave

Wellington St

Woodbine Ave

26

Blackwater Rd

Cherry St Faulkner Ave

Bogarttown

Royal Oak Rd

Fenelon Bdry

Dewdrop Rd

Cresswell Rd

Salem Rd

Little Britain Rd

6

B

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Farmstead Rd

Kawartha Lakes

Brock-Scugog Townline Rd

Blue Mountain Rd

Marsh Hill Rd

1

St John’s Sideroad

Bow St

Farmstead Rd

Pinedale

Scugog Line 14

1

Davis Dr

Cedar Valley

Vivian Rd

74

Wetheral Sdrd

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7 7th Concession

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Oakwood

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9

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9th Concession

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York-Durham Line

Newmarket

11

Sideroad 17

Davis Dr

Sideroad 17

68

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13

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King St

Sideroad 17A

West Franklin

8th Concession

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Shier Rd

19

Bales Dr

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Herald Rd

St

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6th Concession Rd

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Zephyr Rd

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54

Green Lane

Miller’s Sideroad

Udora

Peniel Rd

46

10th Concession

21

Camero 9

Rd

Black School Rd

11th Concession

Islay

Rd

9

Valley

33 The Glen Rd 34

12

9th Concession

Vrommanton

6

Grasshill

Woodville

32

2

Leaskdale Rd

Ashworth Rd

69

9th Concess ion

Rd Franklin

38

82

Linden

Cannington

10

5th Concession Rd

Mount Albert Rd

13

12

39

t

St

31

Derryville 12

Woodville

King

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Concession

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Brock

10th Concession

Fowlers Rd

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65

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Farr Ave

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Rd

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51

Brewster Rd

Zephyr

Hollingers Rd

Doane Rd

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Morning Sdrd

77

Hornes Rd

Ravenshoe Rd

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Meyers Rd

Orchard Ct

Sand Rd

Rd

Rd

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46 East Gwillimbury Doane Rd 86

45

51

48

Queensville

Cedarbrae

Foot Dafoe St St

Holborn Rd

Wilfrid

21

Old Shiloh Rd

Leitch Rd

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2nd Concess ion

77

1 Ho ham Sdrd lla nd Rd

Smith Blvd

Brown Hill

Cole Rd

Cedarbrook Dr Rd

Old Homestead Rd

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Boag Rd

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Hartley

Lorneville

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29

Rd

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Concession

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Ravenshoe

27

Lake Ridge Rd

Boag Rd

Rd

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48

14th

81

Prout Rd

38

Holborn Rd

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79

Audubon Way

2nd Concession Rd

Holland Marsh Leslie St

10th Line

32

18

Latimer Rd

Miles Rd Blake Ave

Ravenshoe Rd

Rd

Carley Rd

The Queen sway

West ury

st re nc ve Ra

25

Weir’s Sideroad

Pollock Rd

Glenwood Ave

Line 12

Cryderma n’s Rd

Morton Ave

COOK’S BAY

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Concession Rd 3 Thorah

Concession Rd 2 Thorah

Sideroad 17

Baldwin Rd

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Rd

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Dr

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Lloyd Sdrd

Mile Lane nt ry Bethel Side Rd

Virginia

Park Rd

Gilford Rd

Rd

BrockThorah Twnl W

Thorah Beach Port

Point

P e ff e r l a w

22 Cou

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Maple Beach

Duclos Point

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Island View

Stoney Batter Rd

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Black Hi

Rd 9 ing

Lockie Sd Rd

Church St

Fennell

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Base Line Rd

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Briars 80 Pk

St gh

20

Jacksons Point

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Rd

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Park Rd

3

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Lasher La Valley Vie w Dr

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19

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18

Line

h ore

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The Que ensw ay

Harbour St Pine Ave

Killarney Beach Rd

Roches Point

Island Grove

Metro Rd

Willow Beach

Rd

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39

3rd

e Lak 78

H

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S

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Mapl

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Line

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Old

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