GTA New Home Guide - Nov 9, 2013 by NextHome

November 9 - 23, 2013 Volume 21 Issue 21

See page 32 for our cover story

INSIDE THIS ISSUE

BILD REPORT: GROWING THE GTA

NEW-HOME DESIGNS TO SATISFY YOUR NEEDS

TIPS TO HELP YOU BUY YOUR FIRST HOME

Diva

aspenridgehomes.com

Three Model Homes Now Open Richmond Hill Kettle Lakes Club NEW rELEaSE Bayview ave. & Bethesda Side rd. Executive Towns from the mid $500’s

289.231.2849

Aspire. aspenridgehomes.com

Markham Upper Cornell MODEL HOME NOW OPEN Northeast corner of 9th Line & Bur Oak Semis & Singles from the mid $490’s

King City King Oaks NEW rELEaSE MikE NivEN MODEL East side of keele St., south of king rd. 60', 70' & 80' Singles from $1.1 million

Kleinburg Kleinburg Hills NEW rELEaSE Hwy. 27 & Major Mackenzie Dr. 40', 50' & 60' Lots Singles from the $800’s

Nobleton King Country Estates NEW rELEaSE TWO MODELS East side of Hwy. 27 just north of king rd. Semis from the $580’s Singles from the $780’s

Brampton Credit Manor Heights NOW OPEN Mississauga rd. & Steeles ave. Towns from the $400’s Singles from the $600’s

905.554.3446

905.539.0181

647.921.0381

905.558.0255

905.216.5155

contents november 9 - 23, 2013

volume 21 issue 21

cover story

p. 32 forest hill homes New home excellence awaits in three communities in the GTA

community focus features 24 south brampton Fieldgate Homes

New release of singles, semis and freehold towns at Valleylands

aurora

Lebovic Homes

offers the ultimate in exclusive luxury living in Aurora

innisfil

Briarwood Homes

Live and play by the shore of Lake Simcoe at Briarwood Estates

104 oakville Mattamy Homes

presents four stunning models in The Preserve in Oakville

104

regular and special features in every issue

4 10 58 1 26

editor’s note contributors hot dates ad index

columnists

BILD Report

How best to grow the GTA?

by Bryan Tuckey

Separating fact from fiction for first-time buyers by Peter Kinch

the mortgage minute

taxing issues

homebuyers’ help

interest rates

119 resource section

cmhc

123 GTA Hot Sheet

Aspen ridge

Selling a real estate investment property

advice from a pro

by Henry Choo Chong

Make your first home purchase a wise one by Barbara Lawlor

industry outlook

Two pages of new openings, new releases and preview registrations

Adaptable new home designs satisfy a variety of needs Legally Speaking

Financing, and what happens when it goes wrong? by Jayson Schwarz

in the news

designer advice

Beyond the basics: 5 designer essentials by Yanic Simard

128 fundamentally speaking

Four tips to help guide your decision to buy your first home by Wayne Karl

How to take finances from mine and yours to ours at any age Mortgage Calculator and Rate Table

by Hugh Heron

finances

the daniels corp.

Daniels President Mitchell Cohen receives honourary doctorate

the mikey network

city of Toronto

Auto|One Group raises more than $11,000 for Mikey Network Toronto’s reputation ranks second in international study

Bank of Canada holds interest rate, drops forward guidance Housing starts to remain stable in 2014 Richmond Hill mayor officially opens Kettle Lakes Club

106 minto

Minto Longbranch opens with record-breaking sales

108 rbc

Canadians paying off debt by spending less: RBC poll

116 economy

Promising U.S. outlook for 2014 bodes well for Canada

editor’snote

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

uch like that bank commercial that says, “You’re richer than you think,” a new home may be more affordable than you originally thought. Perhaps you need only to change your definition of “home” to get into the market. While a detached home is the traditional choice for many, highrise and lowrise suites, lofts and townhomes have become a prime choice among first-time buyers and empty nesters in the market for new place to call home. Not only does townhouse and condominium living afford you the opportunity to live in a prime neighbourhood at a great starting price, when it’s time to move you can often opt to remain in the same neighbourhood, since many communities offer a mix of designs and sizes, which allows families to relocate easily without having to change jobs or schools. Today’s communities generally have a range of sizes and prices that start at the “affordable” end of the price spectrum. Many builders and developers are gearing up for their grand openings and have new communities available for quick occupancy. It’s an exciting time to be shopping for a new place, so don’t miss this excellent buying opportunity. Have a look through this issue and see what you think. The home of your dreams is waiting.

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

Like us on Facebook. Search: New Home Guide

Be prepared

This adage is never more true than when buying your first home

he moment you decide to buy your first home is an important one – from getting your finances in order, to learning about mortgages, to researching builders and to getting out there to look at potential communities. Indeed, the excitement grows at every step. Buying your first home can also be an emotional experience. There will be houses you fall in love with, communities you really want to live in and neighbours you can envision befriending. As exciting as all of this is, it’s also important to not let your emotions get carried away – to buy more with your heart than your head. This is why you should take your time, do your research and conduct due diligence on every development, builder and home you consider. This issue of New Home Guide, like all editions we put together, contains a variety of content to guide you through this process. Our goal is to help identify subjects, neighbourhoods, communities, housing types and builders for you to consider – in short, to help you prepare. With this knowledge, and your own enthusiasm, you’re well on your way!

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

4 New home guide GTA | novEmber 9 - 23, 2013

Like us on Facebook. Search: New Home Guide

dreams We build

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

3 sensational communities to select your new home from

BRAMPTON : NEW RELEASE

MARKHAM : GRAND OPENING

OAKVILLE : GRAND OPENING

Semi-Detached & Detached Homes

TTownhomes, Semi-Detached & Singles

CCondominiums or Urban Townhomes

starting from the high

300’s

starting from the low

400’s

starting from the mid

200’s

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

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 5

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

UNDER CONSTRUCTION Starting from the low $300’s 416.730.1600

My Somerset – Ajax Durham’s Community & Model Home of the Year 37' & 42' Detached Homes Salem Rd. N. & Williamson Dr. E., Ajax UNDER CONSTRUCTION Starting from the low $500’s 905.428.0500

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

My Dwell – Etobicoke Design forward Townhomes North of Burnhamthorpe Rd. off the West Mall, Etobicoke NOW PREVIEWING Starting from $279,990 416.259.2525

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

menkes.com

Prices and specifications are subject to change. E.&O.E. September 2013.

A masterplanned, all Townhome community Bathurst St. & Finch Ave., North York

@MenkesLife

My Bloom – North York

Facebook.com/MenkesLife

Starting from the low $400’s 289.891.9103

MY STOREYS. MY MENKES.

NOW PREVIEWING

mattamyhomes.com

Today We Invite You To View Our Brand New Townhomes, 30' And 36' Home Designs In Our New Release!

Enjoy Entertaining In Your Chef’s Kitchen

Sales Centre

St. John’s Sideroad

404

Hwy 404

Wellington St.

Hwy 404

Leslie St.

Bayview Ave.

Townhomes From $429,990 • Detached Homes From $519,990

Aurora Rd.

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

St. John’s FOREST AU RO R A

St. John’s Forest is a new community with features such as playgrounds, walking/biking trails and homes with front porches to sit and watch the day go by. We are happy to announce we have just released new Townhome, 30' and 36' home designs in our latest release. Townhomes in St. John’s Forest are always in great demand and this new collection is no exception. With all these new home designs we’re sure you’ll find a home that perfectly suits your family’s wants and needs. In this new release you will find new, very inviting starting pricing on all our homes. Come visit us today and start enjoying life in prestigious Aurora.

view

to all the floor plans in St. John’s Forest visit: www.mattamyhomes.com

Elev. ‘D’

Townhome, The Blyth, Elev. ‘D’, 1,390 Sq.Ft., $429,990

LIKE US ON FACEBOOK

36' Home, The Southampton, Elev. ‘G’, 2,747 Sq.Ft., $689,990

www.facebook.com/mattamyhomesGTA

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

vice-president, WALL2WALL MEDIA

Jacqueline Hill

New home guide

editor-in-chief / director of content

contributors

Susan Legge

director of sales, national

Josh Heppner

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

Conni Robinson

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

Susan Maxwell art director

Bianca DiPietro Editor

Wayne Karl contributing Editors

BILD Report

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

Taxing Issues

Legally Speaking

Henry Choo Chong,

Jayson Schwarz, Schwarz Law -

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

Barristers and Solicitors

CGA

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

Industry outlook

Hugh Heron Hugh Heron is principal and partner in the Heron Group of Companies and president of Heathwood Homes, as well as a former member of the board of directors of Canada Mortgage and Housing Corp., and a past president of the Toronto Home Builders’ Association and the Ontario

Sara Duck, Elisa Krovblit Lydia McNutt senior account executive Nina Downs nina.downs@wall2wallmedia.com senior account executive

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

Terry Bassett

distribution & sales co-ordinator

Jennifer Bistron

administrative assistant

Antoinette Jackson production Manager

Bala Gnanapandithan production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Sandra Hanak-Vujnovic Mike Terentiev National Account Manager, Mediative

Paul Slizys

Published by

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

the mortgage minute

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

style file

Yanic Simard Yanic is design editor of New Home Guide sister publication New Condo Guide and principal designer of Toronto Interior Design Group. Yanic often applies his signature high/low and old/ new combination techniques in developing his unique designs. He has created designs for clients in Toronto, Montreal and Miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca for more information.

10 New home guide GTA | novEmber 9 - 23, 2013

advice from a pro

Barbara Lawlor Barbara Lawlor is president of Baker Real Estate Inc., and an in-demand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condominium developments in the GTA and overseas.

#500-401 The West Mall Etobicoke, ON M9C 5J5 T 416.626.4200 F 416.784.5867 Advertising Call 416.626.4200 for advertising rates and information.

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

Circulation

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

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

Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com. Please recycle this magazine! Wall2Wall Media participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM

THORnHill W SE NE EA L RE

W SE NE EA L RE

Semis and Detached homes on 30’, 36’ and 40’ lots.

Detached homes on 35' and 41' lots.

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

odeLs t ed M decor a

t ed decor a

ModeLs

New Release Coming Soon from

525,990

1,089,990

905-417-1203

905-472-7667

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

WHitby’S

beSt 40’ LOt VaLue iS

50% SOLD

Homes sold by appointment only. Register at 416-746-1234 or visit www.newhomepriority.ca

All with double car garages set in an infill location at Baldwin north of Taunton. Preview priced from the upper $400’s 10

SHELBURNE

ort

89 Airp

2nd Li

Main

Rd124

ORANGEVILLE nt

Hu io ar St

90 day closings available 30 minutes north of Brampton

County

40’ Full Depth Singles in a Master Planned Community from $279,990 up to $367,990 for 3240 sq.ft.

www.lakeviewhomesinc.com * Ask sales rep for details. Prices correct at press time E&OE.

519-306-0665 551 Wainsborough Way, Shelburne ON (West side of HWY 124) approximately 1.5 km north HWY 89 Sales Office Hours: Mon-Wed 1pm-7pm Weekends/Holidays 11am-6pm

Various herb jellies by Beverly McClare Made in Grand Pre, NS

#OOAKX13 16

PHASE PHASE 2 2 NOW NOW OPEN OPEN

CAMBRIDGE STYLE B CAMBRIDGE STYLE B

Our highly anticipated release of Phase 2 is here! Our highly anticipated release of Phase 2 is here! Come and experience an exceptional collection of estate-style residences Come and experience an exceptional collection of estate-style residences on 60’, 70’ and 80’ homesites in this highly desired community surrounded on 60’, 70’ and 80’ homesites in this highly desired community surrounded by an abundance of natural beauty and outdoor activities. by an abundance of natural beauty and outdoor activities.

ESTATE LIVING ESTATE LIVING Bungalow & 2-Storey Designs Bungalow & 2-Storey Designs

MONO Presentation MONO Centre

10 10

9 9

50 50 . Rd ld CALEDON ayfie d Rd. M iel yf Ma

Presentation Centre CALEDON

ORANGEVILLE ORANGEVILLE

t. t. oS oS ari ari nt nt ro ro Hu Hu

410 410

BRAMPTON BRAMPTON

MyFieldstone.ca MyFieldstone.ca

Zenway Blvd. Zenway Blvd.

. . Rd Rd rt rt po po Air Air

Island Lake

d. d. yR yR ed ed nn nn Ke Ke e e Lin Lin 1st 1st

Island Lake

FROM HIGH FROM HIGH

400 400

407 407 Pearson

427 427

409 409

Int. Airp. Pearson Int. Airp.401

401

Presentation Centre Presentation Centre 20719 Hwy. 9, Mono, ON 20719 Hwy. 9, Mono, ON 1-855-379-1495 1-855-379-1495 Mon. - Thurs. 1-7pm Mon. - 11am-6pm Thurs. 1-7pm Sat., Sun & Holidays / Closed Fridays Sat., Sun & Holidays 11am-6pm / Closed Fridays

facebook.com/BrookfieldHomesON facebook.com/BrookfieldHomesON

Prices and specifications are subject to change without notice. Prices and specifications Illustration are subject istoartist’s changeconcept. without E.&O.E. notice. Illustration is artist’s concept. E.&O.E.

Get an Upscale Townhome From the Low $400’s. Get an Upscale Townhome From the Low $400’s.

don’t miss out! construction has started!

access to acres of UP TO

$40,00SE0S*

n at u r a l w o odl a n d in the centre of the city

IN BONU

Now is your chance to live in this prestigious new residential enclave located in the well-established Bathurst Manor neighbourhood, near Sheppard and Bathurst. SEMIS AND A SELECT NUMBER OF DETACHED HOMES Starting from the mid

600’s

SALES OFFICE 824 Sheppard Ave. West

Sales Office Hours:

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

416-630-5039 ARISTAHOMES.COM

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

bildreport

How best to grow

the GTA?

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

by Bryan Tuckey

The Ontario Association of Architects hosted a well-attended Site Plan Symposium earlier this month to release a report and recommendations on ways to improve the site plan approval process across the province. BILD members Daryl Keleher, Associate Director at Altus Group and Robert Glover, Principal at Bousfields Inc. authored the extensive report, which highlights timing and cost issues related to the process. The pair spoke to their findings at the symposium. They reviewed more than 400 projects that have gone through the asof-right site plan approval process in Ontario and the top five municipalities studied were: Cities of Toronto, Mississauga, Brampton, Markham and Ottawa. One interesting finding was that despite the Planning Act requirement of an approval within 30 days of site plan submission, more than 35 per cent of all applications took more than nine months to approve. Half of all applications took more than three months to get approved. The study showed that the top three reasons for timing issues were: circulation time of submission between departments; slow or no response from municipal staff; and conflicting comments from different departments or agencies, the authors told the 250 people at the symposium. To prepare the report, the authors spoke with members of the architects’ association, municipal planning directors and members of the development industry. In addition to timing, the research revealed that the site plan approval process has unpredictable costs and they are increasing. This represents yet another government-imposed fee affecting the affordability of new homes and businesses in the province. At BILD, we have been working to shed light on the affordability issue. We have research that shows government fees and charges can add up to one-fifth of the cost of a new home across the GTA. The authors also told the symposium attendees that their research showed that the process can be subjective and expectations of requirements can be unclear. The legislation is not the problem, they heard, but the administration of it needs improvement. Streamlining applications, exempting certain applications and creating dedicated site plan review teams were some of the recommendations included in the report. 20 New home guide GTA | novEmber 9 - 23, 2013

We have research that shows government fees and charges can add up to one-fifth of the cost of a new home across the GTA. Others spoke at the symposium, including the City of Toronto’s Acting Director, Zoning By-law and Environmental Planning, Joe D’Abramo and the City of Vaughan’s Commissioner of Planning John Mackenzie, who both talked about site plan process improvements that have been implemented and others that are underway in their municipalities. Sharing the industry’s on-theground perspective, Gary Switzer of MOD Developments, who is also Chair of BILD’s Toronto Chapter, spoke about his experience working through the site plan approval process and agreed that the process can be made more efficient. A starting point would be the findings and the discussion started by this report.

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

IN EXCLUSIVE FEATURES INCLUDED ( VISIT OUR MODEL SUITE FOR FURTHER DETAILS )

FROM

549,990

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

UP TO 2,064 sq.ft.

Bronte Rd. Model Suite SITE

Great Lakes Blvd.

Burloak Dr.

MODEL SUITE HOURS Mon. to Thurs.: 1pm-8pm Friday: Closed Saturday & Sunday: 11am-6pm

Lakeshore Rd.

88,000

URBAN TOWNS New St.

ADVANTAGE

Rebecca St.

THE URBAN LIVING

HWY 403

INTRODUCING

Appleby Line

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

NOW OPEN

COMING SOON

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

ACCOLADES

ONLY 2 REMAIN THORNHILL WOODS

IN MARKHAM

40’ • 45’ SINGLES $ 758,900*

SINGLES, SEMIS & TOWNS

40’ SINGLES $ 949,900*

Bayview Avenue & Vandorf Side Road

Markham Road & Major Mackenzie Drive

Dufferin Street & Rutherford Road

AURORA

MARKHAM

THORNHILL

FROM

up to 4,500 sq.ft.

FROM

up to 2,835 sq.ft.

For more information visit treasurehill.com *Limited quantities available. To qualified purchasers. Prices & information correct at press time. Map not to scale. Lots may have premiums. All illustrations reflect artist impression. E.O.& E. Ask a sales rep. for details. **Exclusive retail value of features already included in from price.

Finalist 2013 BILD Awards

PLACES TO GROW COMMUNITY OF THE YEAR

Don’t Miss Out On Geranium’s

UNBEATABLE

New Home

VALUE!

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

Sizes, prices and specifications are correct at press time and subject to change without notice. All illustrations are artistʼs concept. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.&O.E.

Only 11 INVENTORY HOMES Remain! With Winter 2013 and Summer 2014 closings, this is your final opportunity to own a fully detached single in Stouffville’s most successful ravine community! Visit our model homes and tour our established neighbourhood with its many parks and walking trails. It’s all here and it’s only a short walk to GO transit and the fabulous shops, restaurants and amenities of downtown Stouffville.

FABULOUS FINISHES INCLUDED! ✓ Soaring 9 ft. main floor ceilings ✓ Oak hardwood flooring ✓ Oak stairs with upgrade pickets ✓ Upgrade kitchen cabinets ✓ Granite kitchen countertops ✓ Undermount stainless steel kitchen sink ✓ Upgraded single lever kitchen faucet ✓ Ceramic tile backsplash in kitchen ✓ 10 interior main floor pot lights ✓ Central air conditioning

404

SAL E CEN S T & M RE ODE LS

Ninth Line

GERANIUMHOMES.COM

Bakerhill Blvd

Hwy #48 Stouffville Rd

Millard St

Main St

Luxury Singles on 38’ Lots Up to 2,511 sq. ft. from

599,900

905-640-9999

Mon - Wed 1:00 - 7:00pm; Sat, Sun & Holidays 11:00am - 5:00pm; Thurs by appointment; Closed Friday

BA L L A N T R A E • S TO U F F V I L L E • P O RT H O P E • WO O D S TO C K

communityfocus

New release of 38-, 41- & 45-ft. singles, semis & freehold towns IN SOUTH BRAMPTON

fieldgate homes

Valleylands

The 45-ft. Dufferin’s breathtaking front elevation of brick and stone and great interior entertainment space contribute to the luxurious atmosphere of this exceptional family home.

location South Brampton housing type Townhomes from $397,990; 28-ft. linked singles from $409,990 and singles on 38-, 41-, 50-, 60- and 70-ft. lots from $531,990; bonus packages available for each housing type, 120-day closings available for towns, 30-ft. linked singles, 38-, 41- and 50-ft. lots contact 905.457.0445 fieldgatehomes.com

24 New home guide GTA | january novEmber 5 -919, - 23, 2013 2013

hen driving along Chinguacousy Road in southwest Brampton, one gets the feeling that they’re in the midst of a very special community. It’s a place where the valleys of the Credit River offer a breathtaking outdoor playground of lush green parkland. It is within this remarkable setting that esteemed builder Fieldgate Homes has announced an exciting Grand Opening for the new location of its popular family community, Valleylands on Chinguacousy. The southwest corner of Queen St. West and Chinguacousy Rd. is the site for this latest release at Valleylands. This new release features new designs in freehold townhomes up to 2,100 sq. ft., 28-ft. linked singles that range from 1,657 to 1,915 sq. ft., 38-ft. singles that range from 2,010 to 2,662 sq. ft. and 45-ft. luxury singles that range from 2,640 to 3,310 sq. ft. These latest offerings are in addition to the exceptional collection of 41-, 50- 60- and 70-ft. singles still available at the original Valleylands location nearby. With towns starting from $397,990, linked singles from $409,990 and singles starting from $531,990, and with 70-ft. designs up to 4,331 sq. ft., there’s a home for everyone at Valleylands. C O N T I N U E D on p a g e 2 6 . . .

communityfocus |

CONTINUED

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

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

One of the many popular designs currently available at Valleylands is the breathtaking 3,008-sq.-ft. Dufferin Elevation B. This classic-yet-contemporary two-storey, fourbedroom, 45-ft. detached home offers a spectacular front elevation of brick and stone that features a covered porch, double-car garage, large bright windows and charming dormers. One enters the home to discover a spacious front foyer, followed immediately by a cozy library. Further down the hall is the large open-concept living/dining room with coffered ceiling. Across from the living/dining room, the home’s staircase offers easy access to a sunken main floor powder room and laundry room. Further down the main hallway, one enters into a sizable family room complete with a gas fireplace. Across from the family room, the kitchen and breakfast area offers a kitchen island and ample counter space, creating the perfect space for the family to gather for a home cooked meal. Upstairs, the elegant master suite features two walk-in closets, tray ceilings, an intimate master retreat and a lavish ensuite complete with oval soaker tub, his and hers sinks and separate glass shower. Bedroom two enjoys its own private ensuite and bedrooms three and four share a stylishly appointed ensuite. The Dufferin is priced from $665,990. For most families, school is a top priority, so it’s nice to know that Valleylands is ideally situated to take advantage of many of Brampton’s wonderful educational facilities. A new elementary school is proposed for construction right in the Valleylands community, and Queen Street elementary school and Sir William Gage middle school are just a short walk north of the community. There are also a number of public and Catholic primary and secondary schools within a short distance. And with post-secondary tuition costs on the rise, it’s nice to know that Valleylands is ideally situated to make the live-at-home college lifestyle a breeze. Wellregarded institutions such as Sheridan College and Algoma University both have campuses that are just a short drive or bus ride away. In addition to excellent proximity to schools, Valleylands is also in a great location to take advantage of a whole host of other lifestyle amenities. The Heartland Town Centre is only five minutes away, offering major retailers such as Best Buy, Home Depot and Costco. Nearby Erin Mills Town Centre, Trinity Common Mall and Bramalea City Centre also offer wonderful selections of shops and restaurants. For those in search of live entertainment, there’s the Rose Theatre, offering a year-round calendar of musical and theatrical performances. Golfing enthusiasts will be impressed with the great selection of golf courses within a short driving distance, and the commute to Toronto is a breeze with Hwys. 401 and 407 just minutes away. With more than 55 years of experience, Fieldgate Homes is one of the GTA’s finest home builders, known for their exceptional floor plan designs. For more information on Valleylands, please call 905.457.0445 or visit fieldgatehomes.com

26 New home guide GTA | novEmber 9 - 23, 2013

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 27

It’s the feeling Rosehaven designs into some of the most desirable homes in Ontario. Homes that are as unique as you are. So choose Rosehaven and every time you step through the front door you’ll say I am happy, I am comfortable… I am home!

current communities

Fort Erie

RICHMOND ST.

HWY 406

. VD

WINTERBERRY

DECEW RD.

. DAMS RD

BEAVER

QEW

TO NIAGARA

SANDALWOOD PKWY.

KING ST. E.

CONFE DERATION AVE.

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rta

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s Lyonk Rd. Cree

To Falls

BOVAIRD SALESDR.

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407 RYMAL RD. E.

TO TORONTO

N KING ST. E.

LINC

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TO NIAGARA

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SITE

RYMAL RD. E.

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WOODBINE AVE.

RAYMOND RD.

HW Y4 03

HWY 6

TO NEWMARKET MOUNT ALBERT RD.

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MCLAUGHLIN

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GARNER RD. E. RYMAL RD. W.

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inthenews

MITCHELL COHEN RECEIVES HONOuRARY DOCTORATE FROM RYERSON UNIVERSITY

Long-time social housing advocate, successful city builder, philanthropist and songwriter recognized At Ryerson University’s Fall 2013 Convocation, Mitchell Cohen, president of The Daniels Corp., was honoured with a Doctor of Laws degree. He was one of three distinguished individuals recognized for making outstanding contributions to their fields. The presentation took place as part of the Faculty of Community Services convocation ceremony on Oct. 18, 2013. Cohen delivered a moving speech to Ryerson graduates and others in the audience, which included his family, Chancellor Lawrence Bloomberg, President Sheldon Levy, Provost Mohamed Lachemi, members of the Platform Party, Ryerson faculty and staff, and Daniels team members. He reminisced about his own university graduation in the 1960s. “I had absolutely no idea what I wanted to do. What I did know was that, along with all of us who had come of age in the ’60s , I had an obligation, a responsibility in fact, to make the world a better place.” And Cohen has done just that. By 1973, he had earned a Masters degree in Social Psychology and a Bachelor of Science in Psychology, and was also writing songs and playing guitar in a makeshift studio in his apartment. He answered a help-wanted ad in the Montreal Gazette and was hired as a community development worker for the YMCA. This position led to helping a group of tenants create a better life through the creation of a non-profit housing co-operative, launching a lifelong passion for Cohen. “Fast forward 40 years, and along with all of my partners at Daniels, I am still doing community development work, supporting a group of tenants who are creating a better life for themselves and their families through the Regent Park revitalization,” Cohen said. Cohen paid tribute to Ryerson’s role in the awardwinning revitalization. The Daniels Centre of Learning is led by the Centre for Community Learning and Development in collaboration with Ryerson, the University of Toronto and George Brown College. At the Centre, residents access information, free training programs and post-secondary education opportunities. “It is such an 30 New home guide GTA | novEmber 9 - 23, 2013

Left to right:

Ryerson University President Sheldon Levy; Mitchell Cohen, president of The Daniels Corp.; Ryerson University Chancellor Lawrence Bloomberg. Photo: Clifton Li

honour to receive this degree from a school that not only educates in the classroom, but in the broader community as a true city-builder,” Cohen said. He also credited John Daniels and all members of the Daniels team for being “committed to social justice, using the power of our platform to lead, to create, and to build both a local and global community in which every one of us has food on the table and a secure, affordable place to call ‘home’.” Earlier this year in St. James Palace, London, Cohen joined a delegation of 12 Canadian CEO’s and H.R.H. The Prince of Wales to discuss plans to advance the cause of socially responsible business in Canada. Cohen also received one of the 2013 Queen Elizabeth II Diamond Jubilee Medals presented to select Canadians for their significant contributions and achievements. In addition, Cohen was also honoured with an Award of Merit from St. George’s Society in 2010. To find out more about The Daniels Corp., visit danielshomes.ca

THIS FALL

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

coverstory

Forest Hill Homes New home excellence awaits in three communities in the GTA

or more than 40 years, Forest Hill Homes has been building fine communities throughout the GTA and southwestern Ontario. What is its recipe for success? This experienced builder has managed to combine high standards, innovative ideas and designs, quality craftsmanship and a hands-on approach to customer satisfaction in each community it builds. This builder’s job doesn’t end on closing, and that’s what keeps homebuyers coming back, time and time again. That’s the Forest Hill Homes difference. Derry Village – Mississauga

Forest Hill Homes is bringing this unique brand of business and building commitment to Mississauga’s highly successful Derry Village. With construction now nearly completed and eight fully decorated models now open for viewing and purchasing, this exceptional community has taken shape and continues to offer spacious, well designed, sensational semi-detached homes. “We are truly excited about our Mississauga community, Derry Village,” says Tamar, sales and marketing manager for Forest Hill Homes. “This built-up community offers families an excellent opportunity to own a spacious, well-appointed, home in an excellent location close to many schools, shopping, transportation options and services. Our success to date is a clear indication that Derry Village offers exceptional value.” 32 New home guide GTA | novEmber 9 - 23, 2013

With closing dates within 90 days, Derry Village truly offers today’s discerning buyer a tremendous option within the Mississauga marketplace. Forest Hill Homes in Derry Village offers exceptional living spaces loaded with

location Mississauga, Thornhill, Richmond Hill housing type Mississauga, semi-detached homes; Thornhill, upscale detached homes on 46-, 50- and 60-ft. lots; Richmond Hill, 40-ft. single-detached homes and freehold townhomes contact Mississauga, 905.795.8307; Thornhill, 905.417.8231; Richmond Hill, 905.770.0081 foresthillhomes.ca

forest hill homes

Multi-site

This builder’s job doesn’t end on closing, and that’s what keeps homebuyers coming back, time and time again. That’s the Forest Hill Homes difference. upgrades. Features include four bedroom designs on traditional deep lots with classic all-brick exteriors; nine-ft. main floor ceilings; double-door front entries; spacious kitchens featuring breakfast bars and islands in upgraded furniture finished cabinetry; large ensuites with separate shower, soaker tub and double sinks; cold cellars; direct access from garage to home and basement; upgraded hardwood in the living/dining room and family room; stained oak staircases with upgraded oak handrail and iron pickets. The foyer, powder room and ensuite bath feature upgraded porcelain tiles. Central air conditioning and a pot light package are just a few more of the other outstanding features in each sensational semi in Derry Village. The Celebration 2,010-sq.-ft. model home is a prime example of the Forest Hill Homes design excellence. Upon entering through the double doors into a spacious foyer, you will feel truly welcome. The spacious living and dining rooms are open concept – perfect for entertaining. The kitchen has a built-in pantry and breakfast bar and opens up to both the family room and the living/dining room area. The well-planned second floor features a spacious four-bedroom layout, perfect for families. Two of the bedrooms share a twin bath that features a double sink. A second floor laundry room is next to a large linen closet for great convenience. The master bedroom is an expansive and private retreat with a walk-in closet and ensuite featuring a glass shower enclosure. Come visit our must-see eight fully decorated model homes. These designs are functional, unique and Mississauga’s best semi-detached designs. Closings are now being offered from 90 days. To speak to a sales representative, call 905.795.8307.

BridlePath – Thornhill

BridlePath of Thornhill is a one-of-a-kind unique and upscale community, located near Major Mackenzie Dr. and Dufferin St. Surrounded by 200 acres of mature trees and lush green conservation lands this provides natural and beautiful seclusion from – yet convenient proximity to a built-up community with lots of shopping and transportation. Visit our four upgraded models on 46-, 50- and 60-ft. lots, with superior standout features including three-car garage, oak stairs from basement to second floor, granite kitchen countertops, upgraded kitchen cabinets and walkout lots and much, much more. When it comes to location and amenities, few neighbourhoods can compare to The BridlePath. Closings are now being offered from 90 days. To speak to a sales representative, call 905.417.8231. Jefferson Forest – Richmond Hill

This forested community on Yonge Street just north of Gamble Rd. offers 40-ft. single detached homes and freehold townhomes ranging from 2,000 to 3,586 sq. ft. Many lots back onto beautiful wooded areas and each house is loaded with exclusive luxury features such as hardwood on the main floor and a granite kitchen countertop. As well, for a limited time only Forest Hill Homes is offering an additional bonus $10,000 in décor upgrades. Closings are now being offered from 120 days. To speak to a sales representative, call 905.770.0081. For more information on the builder and its communities, visit foresthillhomes.ca

novEmber 9 - 23, 2013 | New home guide GTA 33

the luxury lifestyle program Receive up to $40,000 in Luxurious Upgrades* Don't miss your opportunity to surround yourself with luxury in Woodbridge's most coveted community.

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NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 35

36 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 37

themortgageminute

Mortgage smarts

separating fact from fiction for first-time buyers by peter kinch

If you’re a first-time home-

buyer, you’re hearing a lot of talk in the real estate market these days. Will prices go up? Will the market crash? Will I ever be able to afford a house? How will the new mortgage rule changes affect me? How will I ever pay off this debt? It’s easy to get caught up in all the noise, but harder to separate the fact from the fiction. As I edge closer to celebrating my first half century on this planet, I find myself using the phrase “If I knew then…” more and Time is your ally. more – which got me thinking about Time can turn next wave of any bad real estate the first-time homebuydecision into a ers, and what pearls good one. of wisdom I could bestow on them.

I had an interesting conversation with a colleague the other day regarding property values in Vancouver. He relayed me a story of a friend who had bought a house on the west side of Vancouver in the mid 1990s and it is now worth more than four times the amount he paid. In terms of equity, it was the equivalent of winning the lottery. We pondered the question, what will people be saying 20 to 25 years from now? Is it quite possible that a young 25-yearold couple today might look back in the year 2033 and say “If only we had bought that house back in 2013? Why didn’t we? Oh yeah, there were new mortgage rules and a lot of global uncertainty…” Here are a few things that I’ve learned about real estate 1. Real estate has peaks and valleys, but there has never been a future peak that is lower than the past one. Just give it time. 2. Time is your ally. Time can turn any bad real estate decision into a good one. 3. Equity is your safety net. It can supplement a pension and give you financial options in later years. 4. Your mortgage is a forced savings program. C O N T I N U E D on p a g e 4 0 . . .

38 New home guide GTA | novEmber 9 - 23, 2013

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themortgageminute |

CONTINUED

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

heated housing market. Again, this is to the advantage of first-time buyers because it will help to bring house prices back within your range.

So let’s assume that 20 to 25 years from now, you’ll be looking back and saying to yourself one of two things ›› I’m sure glad I bought that first house, or ›› I wish I had just bought something back in 2013 A lot of people are in this situation today and paralyzed by all the noise around them. And in the absence of facts or perspective, fear will take over. So what are the factors that are influencing your decisions today?

Global uncertainty There is no doubt that we live in an age of global uncertainty and face the threat of financial chaos in Europe and a pending credit crisis in the U.S. However, this is not the first time our world has faced these challenges, and it won’t be the last. The key factor to look at is what you can control in your world. Ask yourself about your own employment options – your own employment future. The key to creating long-term wealth in real estate through equity is your ability to afford your monthly mortgage payments and making them consistently over a long period of time – regardless of what is happening on the other side of the world. If you do so, one day you’ll wake up and realize two things: 1. Your mortgage is paid off, and 2. Your house is worth more than the day you bought it – regardless of what happened during the years in between.

Mortgage rules Yes, there are new mortgage rules that have been implemented over the past Your mortgage is paid few years, but in some respects, this could be to your advantage. Many off, and your house is So if you’re a first-time homebuyer in first-time homebuyers are unaware here’s my advice to you: create worth more than the 2013, that you can still buy a home with as a budget that you can afford and be day you bought it – little as five per cent down. The main comfortable with. Buy a home that regardless of what rule change that impacts your ability does not put a strain on your budget. to afford a home is that you can no happened during the Focus on taking baby steps and don’t longer access a 30-year amortization. get overwhelmed by the big picture. years in between. Your payments will now be deterMake the monthly payments into that mined based on you paying off that forced savings program called a mortmortgage over a maximum 25-year period. Although this gage, and then let time be your friend and real estate will does make your payments a little higher in the beginning, do what it has done for many generations before – eventuit increases the amount of equity you build with each ally go up as your mortgage goes down – and that is what payment (remember your forced savings plan). we call “creating equity.” In addition, the rule changes imposed by the governAnd then maybe, just maybe, as you’re about to celment have had the exact effect they were hoping to ac- ebrate your first half century on this planet, you‘ll look complish, which was to slow what was becoming an over- back and say, “I’m glad I got started in 2013.” 40 New home guide GTA | novEmber 9 - 23, 2013

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 41

42 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

Markham

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taxingissues

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

Selling a

real estate investment property

by Henry Choo Chong

I purchased a rental investment property several years ago. Every year I have filed the rental income on my tax return. This year I sold the property. In addition to my rental income, what tax implications will I have to report? Jared, Toronto

but also other costs incurred that had to be capitalized. As well, the proceeds of disposition are all the cost, including the selling price and adjustments pertaining to the sale of the investment. In addition to the capital gains/losses, you may have a recapture of income. This occurs when you are taking Capital Cost allowance (depreciation) on the building, in any of the years that it was owned by you. The balance in this account is called the â&#x20AC;&#x153;undepreciated portion.â&#x20AC;? A recapture of income occurs when the lesser of the proceeds and the cost of the property is higher than the Undepreciated Capital Cost (UCC). The recapture of income is taxed in its entirety at your personal tax rate. Alternatively, a terminal loss occurs when the lesser of the proceeds and the cost of the property is less than the UCC. This terminal loss can be applied in the current year to reduce other income (such as salaries or business income). Any unused amounts can be carried back three years or carried forward. Good record keeping is essential to calculate the correct gains or losses.

Hopefully, you made a profit! The real estate market has been healthy for the past several years and continues to be strong, over the long term. Selling a real estate investment property will generate either a capital gain/loss or a recapture of income/terminal loss. You will have a capital gain when the proceeds of the sale exceed the original cost of the property. A capital gain must be included in your personal tax return (if you own it personally) and is taxed on 50 per cent of the gains at your personal tax rate. A capital loss occurs when the cost is greater than your proceeds. The capital losses should be included on your personal return and applied against capital gains in that year. Any excess losses can be carried back three years, or carried forward indefiThe opinions and views expressed herein are those of the author nitely to reduce capital gains. and not those of New Home Guide. New Home Guide does In calculating the capital gain/loss, determining the not necessarily endorse or encourage any specific tax strategies. adjusted cost of the property is an essential factor. The Please consult a tax professional for advice specific to your adjusted cost must include not just the purchase price particular situation.

44 New home guide GTA | novEmber 9 - 23, 2013

advicefromapro

Make your first home purchase a wise one by barbara lawlor

Barbara Lawlor is president of Baker Real Estate Incorporated and an in-demand columnist and speaker. A member of the Baker team since 1993, she oversees the marketing and sales of developments in the GTA and overseas. Keep current with The Baker Blog at blog. bakerrealestate.com

home, and there is the First-Time Home in your life. It will be one of the biggest financial investments you Buyers’ tax credit of up to $750 in tax ever make, so going in prepared to make an educated decision is relief for closing costs for qualified critical. Although today’s buyers are more educated than ever before, purchasers. Your best research tool is to I am still amazed at how many first-time buyers show up at our ask. Check with sales representatives as presentation centres ill prepared. With the amount of information to whether developers are offering any available out there, you can and should do a lot of legwork before financial incentives that might tip the even looking at what is available. scales in your favour. First, if you are considering purchasing your first home – Attending a first-time buyer seminar congratulations! You are buying at a time when mortgage rates are is another great idea, as these information incredibly low, considering the fact that in Canada, we have seen sessions cover how the buying process double-digit rates in the past. Your mortgage rate will have a major works. Typically, bank representatives, impact on what you can afford now and carry in the future. Just look designers, sales people, lawyers and other at how many years it takes to pay off a mortgage. Even a fraction of a professionals are on hand to answer percentage point lower now means thousands of dollars saved during questions personally. Again, ask, ask, ask. your amortization period. My advice is to sit down with a professional Make the most of this opportunity, and at your financial institution and find out what you can afford. Then set you can conduct your home search with out on your hunt for the most home you can get within your budget. more confidence. Set realistic expectations during your shopping. You may have Even if you are a seasoned resale your sights set on a four-bedroom corner home, but in fact, your homebuyer, do your homework when you budget will accommodate a three-bedroom design in the middle of buy new for the first time. Find out what the streetscape. Take heart: today’s new homes are designed for space is covered under your Tarion warranty maximization, so even a compact layout can “live” much larger than coverage – one of the very best reasons to its square footage. choose new. Ask what features and finishes Right now, there are amazing new home choices to be had across come with your purchase price, decide the Greater Toronto Area. To narrow your selection, pay attention to what might be important enough to you some basic considerations, and you will be a happy purchaser. You may to upgrade, and be thankful that you have be able to afford more than you think. The down payment may seem the opportunity to personalize your overwhelming at first, but remember that in Canada you can use up surroundings in this way. Today’s to $25,000 of your RRSPs (per person) toward this cost on a qualified appointments are simply stunning, and many homebuyers find the standards of such high quality that they are happy to pass on upgrades. Even if you are a seasoned resale homebuyer, do Mortgage rates and real estate prices are bound to rise eventually, so the sooner your homework when you buy new for the first you buy your first new home and get into time. Find out what is covered under your Tarion the market, the better. Those of us who warranty coverage – one of the very best reasons have been around for decades are still in awe that mortgage rates in Canada remain to choose new. this low. The choice is yours – be prepared and choose wisely. Buying your first home is an exciting milestone event

46 New home guide GTA | novEmber 9 - 23, 2013

RICHMOND HILL A select number of Freehold Townhomes in a spectacular forest setting at Yonge, just north of Gamble

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inthenews

AUTO|ONE Group raises $11,500 for The Mikey Network

left to right:

Kevin Ledgister, AutoIOne Palladini sales and leasing vice-president – inventory and fixed operations; Mikey Network Chairman Hugh Heron; Executive Director Morty Henkle; and Mark Forrester, AutoIOne Palladini sales and leasing.

Photo: Nicola Betts

As part of an ongoing commitment to support The Mikey Network,

the management and staff at The Auto|One Group recently helped raise $11,500 from their customer appreciation “James Bond” event which featured a silent and live auction event where more than 400 clients, friends and family attended at the company’s Toronto offices. Auto|One Group is one of Canada’s largest and most customer-focused sales and leasing operations, specializing in all makes, models and years of vehicles. The company also has commercial leasing, custom sourcing and vehicle detailing/service facilities in Toronto and Vancouver. About the Mikey Network The Mikey Network, founded in 2003, is a registered Canadian charity working to create public awareness and provide education about heart healthy lifestyles. To date, more than 1,400 Mikey defibrillators have been placed across Canada, and 16 lives have now been saved. The Mikey Network was named for Mike Salem, a valued partner at Heathwood Homes and The Heron Group who experienced sudden cardiac arrest and died on a golf course in 2002. Other Mikey Network programs include Mikey’s Kids – The Mikey At Home Program, The Mikey’s Young At Heart School Defibrillator Program, Mikey On the GO, Mikey Cops Are Tops. For more information or to donate, visit mikeynetwork.com 48 New home guide GTA | novEmber 9 - 23, 2013

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industryoutlook

Adaptable new home designs SATISFY A VARIETY OF NEEDS by Hugh Heron

Hugh Heron is Principal and Partner in the Heron Group of Companies and President of Heathwood Homes, as well as a former Member of the Board of Directors of Canada Mortgage and Housing Corp., and a Past President of the Toronto Home Builders’ Association and the Ontario Home Builders’ Association.

Another fantastic flexibility feature in modern home designs is the home office. It is a common practice for people to purchase a home with one more bedroom than they need, in order to use it for their computer desk, files and so on. Many layouts incorporate a second floor loft level that overlooks part of the first floor and would make a beautiful artist studio. And of course, an office is yet another potential use for a finished basement. Some home designs even include a specific main-floor home office, often placed near the front entrance for entrepreneurs who have the occasional client One of the most fascinating things about the visit in person. This allows for business to new-home building industry is how designs have evolved over the years be conducted without disrupting the rest to accommodate buyers’ needs. I remember in the 1980s, we built a of the family elsewhere in the home. home in Scarborough that was not a duplex, but would allow for two Another advantage of buying new is the families to live in it. We were actually ahead of our time, but things ability to have special wiring installed have changed. Nowadays, flexible new-home designs are perfect for a during construction instead of having to variety of family configurations under one roof. rip apart walls later on. Closets can be One example is the layout that includes a second or third bedroom fitted with shelves for office supplies, and with an ensuite. Families could use it for a nanny, in-laws or grown any number of other options can be incorchildren. A washroom or rough-in in the lower level can also transform porated to fit your needs, such as French that area into a potential suite for any or all of the above. Sometimes, doors to brighten up your office environyou may find designs with a separate entrance to the basement, which ment. Speaking of brightening, modern is even more conducive to multi-family living. The lower level can new home plans feature larger and more also serve as the spot where family members get together to watch windows than ever before to allow natural TV or entertain. light into the surroundings. The variety and flexibility of today’s Even if just one family lives in the home, parents new home designs is incredible. Dens, appreciate this extra upper-level space when libraries, offices, lofts, open-concept areas, private spaces… keep your eyes open and they have a party, because they can send the do your homework, and you’ll find a mulkids upstairs to entertain themselves. titude of interesting layouts to consider. Today, we are also seeing designs with a second family room on the One person, a couple, a family, extended second floor. Even if just one family lives in the home, parents appreci- family or empty-nesters – whatever your ate this extra upper-level space when they have a party, because they lifestyle configuration, do some thoughtful can send the kids upstairs to entertain themselves. Like the lower level, shopping and you can find a great new this space can be used as a sharing spot for all generations involved. home that will meet your needs! 50 New home guide GTA | novEmber 9 - 23, 2013

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 51

communityfocus

Lebovic Homes offers the ultimate exclusive luxury living

in Aurora

cclaimed builder Lebovic Homes is proud to announce the Grand Opening of a prestigious new luxury golf course community in Aurora. Located on a picturesque landscape of rolling hills and farmland this breathtaking community of just 75 multi-million-dollar homes has the unique distinction of being the very last new home community anywhere on the protected lands of the Oak Ridges Moraine. The luxurious homes featured in this new community have all been designed by BILD Lifetime Achievement Award winner Joseph Lebovic, whose many fine home designs have been copied and admired by discerning home builders the world over. Situated on a quiet cul de sac running through the heart of a world-class 18-hole golf course, these homes constitute the most elite collection of luxury residences that Aurora has ever seen. Every home boasts three above-ground storeys, a fourcar garage, an elevator and a flat rooftop garden, not to mention an impressive selection of the finest interior features and finishes. Homes in this new community range from 6,000 to 9,000 sq. ft. and start from $2.6 million. One of the many striking home designs available in this community is the Michelangelo. The ground level of this home boasts a spacious four-car tandem garage along the side of the home, a washroom, a recreation room, a laundry room, a covered porch at the front of the home and a spacious foyer and direct elevator access to the remaining two floors and rooftop patio right from the garage. 52 New home guide GTA | novEmber 9 - 23, 2013

The main level features a stylish open-concept floor plan, with a large gourmet kitchen and breakfast area, family room, dining room and living room seamlessly connected in this elegant space. The main floor also offers large balconies on both the front and back sides of the home. On the upper level the luxurious master suite features his and hers walk-in closets and his and hers ensuite washrooms, while the remaining three bedrooms all offer amble closet space and access to ensuite bathrooms. Finally, the rooftop patio provides the ideal space to relax in style and enjoy this picture perfect golf course setting. For those looking for a little more space, Lebovic homes is proud to offer two immaculate custom residences right beside this golf course community. The first home, located on a two-acre lot at 2 Bovair Trail, is an 11,047-sq.-ft. home that offers three storeys of positively stunning luxury living. Some of the many elite features offered in this home are a four-car tandem garage, up to 10 bedrooms, up to 10.5 bathrooms, a master suite with his and hers ensuite bathrooms, an indoor pool, a banquet room, four laundry rooms and more. Another home located on a 2.3-acre lot at 10 Bovair trail is of similarly luxurious proportions. This home features a three-car garage, elevator

LEBOVIC HOMES

Aurora

Lebovic Homes has been building homes in the GTA for almost 60 years. Famous for breathtaking home designs and high quality features and finishes, the company has a well-earned reputation as one of the region’s most respected builders.

location Aurora housing type Luxury homes in a golf course community Sales centre Open 11 a.m. to 5 p.m. Saturday and Sunday contact During sale hours 905.841.8649 Outside of sales hours 905.640.7361 lebovichomes.com

access from garage to all floors of the house, up to 10 bedrooms available, up to 10.5 bathrooms available, four laundry rooms, walkout access to the yard at ground level and more. Sales office hours for the golf course and Bovair Trail homes are from 11 a.m. to 5 p.m. Saturday and Sunday. During sales hours, call 905.841.8649 for more information. Outside of sales hours, call 905.640.7361 to arrange an appointment. Lebovic Homes is also proud to offer a wide selection of affordable family homes in Pickering at Old Taunton. With more than 500 homes at an ideal location just north of Hwy. 401, Old Taunton features enormous

floorplans and enormous value. Choose from an excellent selection of towns, semidetached and single designs starting from the $400’s. And coming soon to Pickering is Duffin Heights, an expansive new masterplanned community that features more than 25,000 family homes, 150-acre shopping plaza and more. Lebovic Homes has been building homes in the GTA for almost 60 years. Famous for breathtaking home designs and high quality features and finishes, the company has a wellearned reputation as one of the region’s most respected builders. To view floorplans, or to learn more about Lebovic Homes’ many fine communities, visit lebovichomes.com

novEmber 9 - 23, 2013 | New home guide GTA 53

inthenews

City of Toronto’s reputation ranks second in international study The City of Toronto is

ranked second behind Sydney, Australia in an annual study, comparing the reputations of 100 cities worldwide, recently issued by the Reputation Institute. In 2012 Toronto placed 22nd in this same study.

For the past three years, the City of Toronto has been focused on creating the conditions to drive economic growth and boost employment in our city “For the past three years, the City of Toronto has been focused on creating the conditions to drive economic growth and boost employment in our city,” says Mayor Rob Ford. “My administration has worked hard to make Toronto a business-friendly environment, and that focus is paying off. Toronto’s impressive result in this international study confirms we are on the right track.” 54 New home guide GTA | novEmber 9 - 23, 2013

The annual City RepTrak Study surveys more than 22,000 people from the G8 countries and ranks the world’s 100 most reputable cities based on levels of trust, esteem, admiration and respect, as well as perceptions regarding 13 attributes. The three key dimensions of the study are an advanced economy, appealing environment and effective government. The study results confirm the links between city reputations and economic outcomes, while also highlighting the key drivers of a good reputation. Along with Sydney and Toronto, the top five cities include: Stockholm, Sweden; Vienna, Austria; and Venice, Italy. Toronto is the only Canadian city in the top 10 this year. Toronto was also ranked as the top city to work in, the second most attractive city to live in and the seventh highest ranked city in the invest category. The Reputation Institute is an international reputation management consultancy. Founded in 1997, the institute now has a presence in 30 countries. Toronto is Canada’s largest city and sixth largest government, and home to a diverse population of about 2.8 million people. Toronto’s government is dedicated to delivering customer service excellence, creating a transparent and accountable government, reducing the size and cost of government and building a transportation city. For information on nonemergency City services and programs, Toronto residents, businesses and visitors can dial 311, 24 hours a day, seven days a week.

PHASE 4 SITE

NOW OPEN

Limited release of singles nestled in conservation

2 MODEL HOMES TO VIEW 36' & 45' energy efficient singles on court, ravine & pie-shaped lots, all surrounded by lush green nature.

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Towns & 50' singles coming soon.

•

Minutes from Upper Canada Mall, Highway 404 & Newmarket Go Station.

PHASE 4

LESLIE ST.

*SALES OFFICE MODEL HOME

485 Woodspring Ave. ASPENWOOD DR.

•

WAINSCOT AVE.

YONGE ST.

Woodland Hills by CountryWide Homes, Newmarket’s most sought after community.

BATHURST ST.

•

GREEN LN. E.

G WOODSPR I N

DAVIS DR. MULOCK DR.

you are Welcome to Visit our other select Communities across the Gta BramPton

BramPton

marKHam

noBLeton

WoodBridGe

commons

H E I G H T S

KING CITY

KLEINBURG

VAUGHAN

BRADFORD

BRAMPTON

MODEL HOME NOW OPEN

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NEW SINGLES NOW AVAILABLE

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CountryWideHomes.Ca 905.907.1500 sales office Hours: monday-thursday 1-8pm | Friday By appointment only | saturday-sunday & Holidays 11am-6pm Prices & specifications subject to change without notice. © 2013 CountryWide Homes. All rights reserved. * Certain lots may be subject to premiums. Map not to scale.

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 55

legallyspeaking

Jayson Schwarz LL.M. is a Toronto real estate lawyer and senior partner in the law firm Schwarz Law LLP. If you have a topic in mind, email info@schwarzlaw.ca and give us your questions, concerns, critiques and quandaries.

brought the rate down to make his package more attractive or forced his bank as part of his deal with them to offer special rates. Remember, if your bank’s offered rate and terms are close, you may be able to negotiate a better deal with the builder. If you do not take the builder mortgage you may be able to get some leverage in your overall negotiations as the builder may save money by not having to pay his bank for the better rate. Question this and make sure you understand all of the financing details. Regardless of where you go to get financing, get your commitment in writing! When we walk into that sales centre, all ready to buy our beautiful new home, perhaps the most important piece of the puzzle we need to have is security in our financial arrangements. A tragedy waiting to happen occurs when you sign an unconditional offer, give your hardearned, harder-saved deposit to the builder and later find out you do not qualify for the mortgage. In other words, don’t buy the home unless you have a mortgage commitment or a conditional deal. This leads us into the next part of the discussion – what happens if it goes wrong? An Agreement of Purchase and Sale for the purchase of land is a contract, and once it is signed it binds both parties to certain obligations. If either party does not hold by Jayson Schwarz up to their end of the arrangement, they can be held liable to the other party for either specific performance or damages. Firstly, if the purchasers default, they will likely Before you go new-home shopping, lose their deposit. The builder will then have the option of suing to force visit your bank, trust company or other fi- them to close the deal and pay all legal fees related thereto, or sue them nancial institution to see for any damages the builder might suffer before he resells what amount of mortgage the condo (for items such as interest, changes and price Don’t be afraid you qualify for. Take your differential) and legal fees. Sometimes, in a booming to shop around significant other, if you have market, kindhearted builders will release purchasers who one, because everyone’s have made a mistake or encountered personal tragedies. for rates and income and assets help. But don’t count on it! lock-in periods Once you know how much The moral of the story is to make sure you have financing or that the offer is conditional for a few days on both you can borrow, secure the best rate you can and lock it in for as long financing and review by a lawyer. It is critical you get the right advice, and a period as possible. Don’t be afraid to ne- only a lawyer can provide legal advice – that is the law. When you select gotiate – the banks want and need your a lawyer, find one who cares about you and a long-term relationship. business. Don’t be afraid to shop around for Happy home hunting! rates and lock-in periods. You should also visit the sales centre Perhaps the most difficult part of writing these articles relates not to the armed with your knowledge and check what actual writing, but thinking of a topic to address. Visit the website at mortgage rate and term the builder is offer- schwarzlaw.ca, or email me at info@schwarzlaw.ca. I will try to deal with ing. Take note that the builder may have them in print or electronic form.

Financing and what happens

if it goes wrong?

56 New home guide GTA | novEmber 9 - 23, 2013

BUYING, SELLING OR REFINANCING A HOME?

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

KONSTANTINE CHATZIDIMOS

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Helping YOU make your home buying dream a reality

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For Free Offer Review

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TORONTO

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

1984 Yonge St.,Toronto, Ontario M4S 1Z7

OFFICE

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Fax 905.452.8135

Toll Free: 1.888.609.8888

Fax 416.486.3325

www.schwarzlaw.ca

*Certain Terms and Conditions shall apply. Full disbursement disclosure. NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 57

hotdates

nov 9-16

NOV 9-10

Reel Asian International Film Festival

international centre

various locations in gta

The Toronto Reel Asian International Film Festival is celebrating its 17th year of showcasing contemporary Asian cinema. Films and videos from Canada, U.S., East, West, Southeast Asia and all over the rest of the world are featured. reelasian.com

nov 9-10

Nov 9 to 23 Calendar of events beginning from Nov. 9 to 23, 2013

The Royal Agricultural Winter Fair

International Home Show

The International Home Show showcases the best in home solutions from DIY projects, interior design workshops, celebrity seminars and more. This year's show features HGTVâ&#x20AC;&#x2122;s Kitchen Cousins Anthony Carrino and John Colarnei, nutrition expert, Rose Reisman, Citytvâ&#x20AC;&#x2122;s CiyLine style expert, Lynn Spence, contractor expert, Robert Koci and more. The Green Street Pavilion promotes eco-conscious products. internationalhomeshow.ca

RICOH COLISEUM

The Royal Agricultural Winter Fair nov 14-17 is the largest combined indoor Gourmet Food and Wine agricultural fair and international Expo equestrian competition in the world. metro toronto Hu nd reds of Ca nad ia n a nd convention centre International breeders, growers and Featuring some of the finest wines exhibitors are declared champions. and foods in the world, the Gourmet The fair also features a variety of Food and Wine Expo is a wonderful exhibits from giant farm animals to opportunity to expand your palette giant vegetables, from horse shows and enhance your dining experience. to dog shows, from family fun to the Booths featuring wines from around rodeo and much more. See the finest the world are open to guests who horses Ontario has to offer, then wish to sample some of the most have a seat at the wine tasting bar. thrilling vintages. Food prepared by royalfair.org expert chefs using unique ingredients will help you rethink your evening meals at home. foodandwineexpo.ca

58 New home guide GTA | novEmber 9 - 23, 2013

November 9 - 23, 2013

Showcasing new homes in the GTAâ&#x20AC;&#x2122;s central and north regions

IN THIS SECTION

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

lva Sy

401 53 26

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

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

s ng Ki e v nA

Galloway Rd

t Rd

DVP

Main St

Gerard St

n sto ng

n Dr orto

Sheppard Ave E

Manse Rd

rlet

e Av

Centennial

Lakeshore Blvd W

Ossington Ave. Dovercourt Rd.

Horner Ave

Christie St. Bay St. University Ave.

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

Logan Ave.

Danforth Ave.

St Clair Ave E

Passmore Ave

East Ave

Spadina

Dundas St. W.

Bathurst St.

Evans Ave

Keele St.

QEW 4

Don Valley Pkwy

QEW

Yonge St

Queensway

Cosburn Ave

O'Connor Dr. Woodbine Ave

Yonge St.

Bloor St.

Avenue Rd

Dupont St.

Laird Dr

Dundas St W

Dufferin St

Pharmacy Rd Victoria Park

Davenport Rd.

Warden Ave

Sca

McCowan Rd

Allen Expressway

Eglinton Ave E

Birchmount Rd

Ave E

Brim

Bellamy Rd

St Clair Ave.

Dufferin St

Va u

Leslie St Eglinton

Brimley Rd

80 Rogers Rd

Bathurst St

Eglinton Ave W

Lawrence Ave E

Progress Ave

Markham Rd

Bloor St W

ng s

Caledonia Rd

Briar Hill Ave

y Pkwy

401

Sheppard Ave E Milner Ave

Scarborough Golf Rd

Rathburn Rd

Weston Rd

d kR

ew e

Keele St

to n

427

Kipling Ave

Th e

k lac

Tre th

Don Valle

W es

Ave Lawrence Ave E

Ellesmere Rd

Orton Park Rd

Martin Grove Rd

Kennedy Rd

Westway

York Mills

Huntingwood Dr

Finch Ave E

McNicoll Ave

Steeles Ave.

Midland Ave

Islington Ave

Dixon Rd

pressway

401

Bayview

Jane St

Wilson Ave

401

Sheppard Ave E

Mills

401

400

1 Don

409

Signet Dr

ale

Finch Ave W

Drewry Rd

Pleasant Ave McCowan Rd

Humberline Dr

Allen Ex

Dufferin St

Finch Ave W

ion

Alb

Alness St

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

central region:

Tapscott Rd

Morningside Ave

Neilson Rd Morrish Rd

Sewells Rd Conlins Rd

Reesor Rd

Beare Rd

Meadowvale Rd

Da n

60 Port Union Rd

Coxwell Ave

Pape Ave.

Parliament St Sherbourne St Jarvis St.

Dufferin St

Lansdowne Rd.

Roncesvalles Ave.

Jane St

Park Lawn

Royal York Rd

Renforth Dr

ARISTA HOMES

Goddard on the valley 416-630-5039 • •

ARISTA HOMES

IMPRESSIONS

Price Range

Page No.

from $650,000

19 7B

• •

from $490,000

45 5F

FIELDGATE HOMES

IMPRESSIONS 905-893-9500 • • •

from $490,000

Insert, 25, 45 5F

PARADISE HOMES

IMPRESSIONS

from $490,000

45 5F

TIFFANY PARK HOMES

Westhaven 416-792-6655 • from $628,000

37 3G

EMSATEC CANADA INC.

The Brownstones 5 416-531-7760 • •

83 6G

MENKES

Humber Mews menkes.com •

6-7 3I

MENKES

Dwell city town 416-259-2525 •

from $280,000

6-7 3I

MENKES

Bloom Park Towns 416-730-1600 •

from $320,000

6-7 8B

BATAVIA HOMES

Goddard on the valley 416-630-5039 • •

from $650,000 7B

NATIONAL HOMES

The Churchill Collection in Forest Hill 416-922-1414

GEORGIAN CORPORATION

Lex Towns 416-428-3419 • • • from $495,000 12G

COVENTRY HOMES

Danforth’s Crossing 416-924-8338 •

from $450,000 12G

FIELDGATE HOMES

The Brownstones at Westown lidvest.com •

from $330,000 4E

TRIBUTE COMMUNITIES

Canterbury 647-352-2130 • from $767,000 9E

BEAVERBROOK HOMES

Evolution 416-747-9691 • from $270,000 3H

CONSERVATORY GROUP

Port Union 416-287-3128 • • from $520,000 18E

PEMBERTON GROUP

Park Lake Residences 416-769-4343

H&R DEVELOPMENTS

Westown

MONARCH CORPORATION

Evergreen 416-495-3526 • from $470,000 14F

ASPEN RIDGE HOMES

Scenic On Eglinton 416-805-1781 • •

TRIBUTE COMMUNITIES

RCMI 416-363-4800 • from $324,000

FIELDGATE HOMES

Corktown Mews

corktownmews.ca

•

from $550,000 9H

MATTAMY HOMES

Cornell

mattamyhomes.com •

•

from $390,000 7G

ASPEN RIDGE HOMES

Seventy Seven Charles 416-203-7034

YOUR HOME DEVELOPMENTS

Nature’s Path 647-340-6972 • from $280,000 17E

ARISTA HOMES

Lilly Factory Towns 416-792-4872 • •

from $395,000 12G

DECADE HOMES

Yorkdale Village 416-638-5656 •

from $250,000 6D

SUNDANCE HOMES

Braeburn Lane

sundancehomes.ca •

from $430,000 15D

impressionskleinburg.com •

• •

from $350,000

• from $1390,000 7G

hr-newhomes.com •

•

• from $180,000 5H • from $190,000 5C

from $190,000 10F 8I

• • from $2100,000 9H

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

Tel

central region:

Site

Fi Map nd er

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

# Si te

Builder

Steeles Ave W

ence

Clar

Kipling Av

Isl on

Huntington

Langstaff Rd

t ing

Cr 2

Major Mackenzie

400

54 27

Rutherford Rd

Maple

25 5

Centre St

Thornhill

33 28

Clark Ave W

23 16

31 44 7

Langstaff Rd

Keele St

3 46

Weston Rd

Teston Rd

400

Dufferin St

City of Vaughan

Kirby Rd

King-Vaughan Rd

Pine Valley

Nashville Rd

King Rd

Jane St

Cold Creek

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

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

central region: Vaughan, Maple, Woodbridge, Thornhill

Hwy. 27

Bathurst St

e Av

12 Line R

Price Range

Page No.

ASPEN RIDGE HOMES

Kleinburg Hills 647-921-0381 • from $800,000

TRIBUTE COMMUNITIES

Gates of Nobleton 647-633-3500 •

TIFFANY PARK HOMES

Valleybrooke Estates 905-303-1620 •

FIELDGATE HOMES

Vaughan Valley Estates 905-303-4728 •

from $990,000

Insert, 25, 34-35 9F

ARISTA HOMES

Vaughan Valley Estates 905-303-1929 •

from $790,000

34-35 9F

MADISON HOMES

Thornhill

from $1090,000

11 14G

ASPEN RIDGE HOMES

King Oaks 905-539-0181 • from $1100,000

1 12A

GREAT GULF HOMES

King Oaks 905-833-6413 • from $1250,000

73 12A

TREASURE HILL HOMES

Thornhill Woods

from $950,000

21 13G

FIELDGATE HOMES

Rivers Edge 905-303-4728 • • • from $740,000

Insert, 25 8E

COUNTRY WIDE HOMES

Kleinburg Hills

DUNPAR HOMES

Riverside Village 416-253-5888

MADISON HOMES

Thornhill Ravines 905-417-1203

•

from $1090,000 14G

COUNTRY WIDE HOMES

The Point at Woodbridge 905-907-1500

•

from $700,000 8E

COUNTRY WIDE HOMES

Upper Thornhill Estates 905-907-1500

•

from $900,000 14E

BEAVERHALL HOMES

Regency Estates 905-265-2634

•

from $1301,000 6H

GRAYWOOD DEVELOPMENTS LTD Regency Estates 905-265-2634

•

from $1250,000 6H

ZANCOR HOMES

Royal Collection 905-833-0883

•

from $550,000 12A

OSKAR GROUP

Le Sedici lesedici.com

from $600,000 10E

905-417-1203

•

treasurehill.com •

from $820,000

1 4E

15 4A

37 8E

KleinburgHills.com • 4E

•

from $519,000

central region: Vaughan, Maple, Woodbridge, Thornhill

Tel

M Fi ap nd er

Site

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

# Si te

Builder

1 2 3 4 5 6 7 8 9 10 11 12

20 3

oad

ider

S rson Jeffe

15 16 14

19th

nzie

ath

Str

acKe

rM Majo

e Av 404

st St

25 2

Q R

. Ave

am Denh

16th

ick R

dr Wel Bathur

central region: Richmond Hill

Mill

Leslie

Neal D

ent

ills R

nM Elgi

Reg

404

d Yorklan

Gam 1

Ave.

ble R

404

St Yonge

22 Rd King 24

D E

Bloo

road

Side

Ave

on ingt

Bayview

Leslie S

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

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

Fi Map nd er

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

HEATHWOOD HOMES

Hampshire Mews 416-637-3520

from $420,000

49 5I

ASPEN RIDGE HOMES

Kettle Lakes Club 289-231-2849 •

from $550,000

1 6D

ST. REGIS HOMES

Mission Hill on Bayview 905-884-8885

from $780,000

85 6C

Tel

Price Range

Page No.

14 ARISTA HOMES

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

47 4H

15 MADISON HOMES

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

47 4H

15 FOREST HILL HOMES

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

47 4H

16 FIELDGATE HOMES

Jefferson Forest

jeffersonforestliving.com •

•

from $560,000

25, 47 4H

27 ACORN HOMES

Oak Knoll 905-773-9257 • from $615,000

79 4C

PEMBERTON GROUP

The Royal at Bayview Glen 905-709-5700

CENTRA HOMES

The Mills Collections 416-238-2404

•

from $940,000 5J

FIELDGATE HOMES

The Humberlands 905-773-7738

•

from $850,000 2C

20 NORTH STAR HOMES

King’s Crossing 416-291-9666

•

from $440,000 2E

22 YORKWOOD HOMES

Hillside Manors 905-770-4662

•

from $472,000

25 TREASURE HILL HOMES

Urbantowns on Bayview treasurehill.com

•

from $550,000 7Q

26 ARTEN DEVELOPMENT GROUP

The Manors of Roseview Grand roseviewgrand.com

• •

from $650,000 4L

• from $190,000 6Q

Richmond Hill

Site

central region:

# Si te

IFC-Inside front cover

Builder

e Ave

les A

grove

Hend

Stee

Alder

404

d eroa

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

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ve 19 A

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

404

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Town of 50 Markham

Bayview Av e

Town of Newmarket

ock

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McCow

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Elgin

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ve 18 A

v 19 A

44 1 55 7

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Ave Warden

Thornhill

Town of Markham

Town of WhitechurchStouffville

t Yonge S

Town of Aurora

Town of Newmarket

St N

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

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

Main

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Price Range

mattamyhomes.com

Page No.

MATTAMY HOMES

St. John Forest

from $430,000

8-9 13E

FIELDGATE HOMES

The New U 905-477-6464 • • • from $550,000

Insert, 25, 39 5G

ARISTA HOMES

The New U 905-534-1564 • • • from $550,000

39 5G

PARADISE HOMES

The New U 905-477-0317 • • • from $550,000

39 5G

STARLANE HOME CORPORATION The New U 905-534-0493 • • • from $550,000

39 5G

TREASURE HILL HOMES

Accolades treasurehill.com •

21 6F

PRIMONT HOMES

Heirloom in Markham 905-201-2804 • •

13 7F

LEBOVIC HOMES

Bovaird Trail 905-640-7361 • • • from $2597,000

51 14H

11 MADISON HOMES

Greensborough madisonhomes.ca • •

11 7F

20 FIELDGATE HOMES

BlueSky Stouffville 905-640-0002 •

from $420,000

Insert, 25, 27 18F

20 STARLANE HOME CORPORATION BlueSky Stouffville 905-591-2537 •

from $420,000

27 18F

24 BALLANTRY HOMES

Cornell

from $420,000

5 8G

30 MADISON HOMES

Cornell Rouge 905-472-7667 • • from $526,000

11 & 43 8F

30 FOREST HILL HOMES

Cornell Rouge cornellrouge.com • from $470,000

43 & 75 8F

41 ASPEN RIDGE HOMES

Upper Cornell 905-554-3446 • • from $495,000

1 7F

50 GERANIUM HOMES

Cardinal Point Downtown Stouffville 905-640-9999

from $600,000

22-23 7F

52 FIELDGATE HOMES

Potter’s Bend 905-294-3125 • • from $586,000

Insert, 25 6G

ballantryhomes.com •

•

from $400,000

59 PRIMONT HOMES

Harmony 905-305-8871 • from $540,000

13 5I

65 FIELDGATE HOMES

Victoria Manor 905-294-3125 • from $896,000

Insert, 25 3G

66 TREASURE HILL HOMES

Aurora Woods on Bayview treasurehill.com •

MARYDEL HOMES

Woodland Hills 905-898-7380

•

from $400,000 10B

BEAVERBROOK HOMES

The Terrace On Rouge Creek 905-640-7360

from $390,000 17F

COUNTRY WIDE HOMES

Wismer Commons 905-907-1500

•

BROOKFIELD HOMES

The Arbors

• •

from $759,000

21 13H

•

from $450,000 6F

BrookfieldHomes.ca •

from $500,000 14F

10 BRIARWOOD HOMES

Havelock Town Manors 289-301-0077

•

from $569,000

12 LAURIER HOMES

windsong

905-201-5979

•

from $495,000 6G

12 LAURIER HOMES

Windsong North

905-201-5979

•

from $598,000 6G

17 CONSERVATORY GROUP

Heritage Estates 905-640-2274

•

from $283,000 18E

18 KYLEMORE COMMUNITIES

Angus Glen West Village 905-887-9950

•

from $2000,000 4G

28 PRESTON HOMES

Copper Hills 905-954-4050

•

from $500,000 14D

30 MADISON HOMES

Forest Hill cornellrouge.com

42 NATIONAL HOMES

Wismer Woods 416-746-1234

•

from $400,000 8F

• •

from $680,000 6G

50 GERANIUM HOMES

The Neighbourhoods of Cardinal Point 905-640-9999

•

from $575,000 7F

50 GERANIUM HOMES

Uptownes at Cardinal Point 905-640-9999

•

from $390,000 7F

50 GERANIUM HOMES

Copperstone Ballantrae 905-640-9999

•

from $1.1,000 7F

51 OXFORD HOMES

Coventry Valley 905-836-8902

from $600,000 9C

53 H&R DEVELOPMENTS

Castle Square hr-newhomes.com • 6G

54 BEAVERBROOK HOMES

Victoria Highlands 416-924-0110

•

55 COUNTRY WIDE HOMES

Woodland Hills 905-907-1500

• 10C

62 NORTH STAR HOMES

Mill Fair Village

NorttStarHomesInc.com

from $450,000 16B

•

from $500,000 6G

64 STARLANE HOME CORPORATION Upper Unionville 905-534-0493

•

• •

from $520,000 5G

64 PARADISE HOMES

Upper Unionville 905-477-6464

•

from $520,000 5G

85 ORCHARD RIDGE HOMES

Prairiewood

orchardridgehomes.com •

from $800,000 16F

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

Tel

M Fi ap nd er

Site

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

# Si te

Builder

Mono Adjala

East Gwillimbury

Schomberg

9 51

King

45 34 70 400 16 5 Bradford

Tecumseth and Tottenham65 71

Beeton

Hwy 5

Shelburne

Alliston61

Keswick

Georgina

k La

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Lindsay

Uxbridge

Cannington

Georgina Island 33 obcayg B

Oshawa

Newcastle

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401

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Scugog

Lake

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Essa

400

37 55

Barrie

Oro

n Vetera

400

Vespra

90 48 Lisle 44 Angus

Sunnidale

Tosorontio Everett

43 34 39

Wasaga Beach

60 41

Rd agh Ard 4

400

ark

Map

30 wD levie

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

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

on P

Bay

Mols

Big

e Av tle Lit Yo ng eS t t Rd Poin

Steel St

Lakesh ore Burton Av Dr e

irv

Mara

Huron Rd

iew

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Thornbury

Georgian Bay

Orillia

Tay

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Midland

Bracebridge

400 St.

Barrie, Collingwood, Wasaga, Innisfil, Keswick

th St

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

north region:

Duckwor

68 en

nc Vi ia Rd

Price Range

Page No.

87 9G

14 ASPEN RIDGE HOMES

King Country Estates 905-558-0255 •

from $580,000

1 7K

17 BROOKFIELD HOMES

Grand Central 905-778-0873 • from $440,000

70 8I

55 BRIARWOOD HOMES

Briarwood Estates 705-294-2288 •

from $420,000

89 7G

58 LAKEVIEW HOMES

Greenbrook Village 519-306-0665 •

from $280,000

14 3I

59 BROOKFIELD HOMES

Fieldstone 1-855-379-1495 • from $590,000

17 5J

71 BRIARWOOD HOMES

Mill Street Village 1-855-232-8100 • • from $291,000

71 7J

PACIFIC HOMES LIMITED

MarlLake Village 1-877-428-5115

•

from $210,000 4F

RED BERRY HOMES

MarlLake Village 1-877-428-5115

•

from $210,000 4F

MANCINI HOMES

Princeton Woods 705-730-1978

•

from $330,000 14E

NATIONAL HOMES

The Forest 416-746-1234

•

from $490,000

MARIPOSA HOMES

Trailside 705-329-3330

•

from $249,000 8C

MANCINI HOMES

West Ridge Place Orillia 905-773-9997

• 8C

FANDOR HOMES

Hamptons on Big Bay Point 705-792-6807

•

from $250,000 18D

GRANDVIEW HOMES

Big Bay Point 705-735-0732

•

from $355,000 13E

11 BALLYMORE HOMES

Lakeside Meadows 1-877-455-0201

•

from $290,000 9G

11 BALLYMORE HOMES

Lakeside Meadows 1-877-455-0201

•

from $293,000 9G

•

from $280,000

•

12 PREVIN COURT HOMES

Victorian Village 1-855-7PREVIN

•

14 ROSEHAVEN HOMES

King Country Estates 905-558-0098

•

from $700,000 7K

14 COUNTRY WIDE HOMES

King Country Estates 905-907-1500

•

from $750,000 7K

16 GREAT GULF HOMES

Summerlyn Village 905-775-3461

•

from $580,000

17 BROOKFIELD HOMES

Grand Central 905-778-0873

•

from $340,000

24 KAITLIN CORPORATION

Blue Shores 1-866-625-2583

•

from $380,000 2E

32 COUNTRY HOMES

Alcona by the Lake 1-866-531-3424

•

from $300,000 7G

33 SANDIEGO HOMES

Lakeside Living in Innisfil 705-436-5445

•

from $285,000 7F

37 PRISTINE HOMES

Pebbleshores 705-436-5547

•

from $240,000 7G

39 STONEBRIDGE BUILDING GROUP Stonebridge by The Bay 1-877-420-0880

•

from $200,000 5E

40 ROYALPARK HOMES

Emerald Forest royalpark.com

•

from $200,000

41 DELPARK HOMES

Pretty River on Georgian Bay 1-888-257-1999

from $298,000 3E

43 BREMONT HOMES

Centretown 1-877-855-1122

•

from $234,000 5E

44 RAYMAC HOMES

Brennan Enclave 705-516-0681

•

from $252,000 6G

44 BROOKFIELD HOMES

Treetops 705-435-3577

•

from $280,000

44 ORCHARD RIDGE HOMES

Treetops 705-435-3577

•

from $280,000

45 ROSEHAVEN HOMES

Dreamfields in Bradford 416-410-0175

•

from $300,000

45 REGAL CREST HOMES

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $311,000

45 COUNTRY WIDE HOMES

Dreamfields in Bradford

dreamfieldsbradford.com • • 8I

46 DEVONLEIGH HOMES INC.

Creekside 705-444-0555

•

from $210,000 3E

47 DEVONLEIGH HOMES INC.

Parkside by Devonleigh 705-435-9991

•

from $275,000 6H

48 DEVONLEIGH HOMES INC.

Brownley Meadows 705-423-9662

•

from $225,000 6G

59 DELPARK HOMES

Fieldstone MyFieldstone.ca

•

from $570,000 5J

60 BRIARWOOD HOMES

Pretty River Collingwood 1-888-257-1999

•

from $310,000 3E

65 BROOKFIELD HOMES

Willow Glen Tottenham 1-888-720-9508

from $290,000 7J

70 FAR SIGHT HOMES

Greenfields 1-855-299-7929

•

from $285,000

71 BALLYMORE HOMES

Mill Street Village 1-855-232-8100

from $293,000 7J

•

• •

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel

north region:

Site

Cedar Ridge 905-722-7210 • • • from $290,000

Fi Map nd er

Builder DELPARK HOMES

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

# Si te

IFC-Inside front cover

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 70

Fall Bonus Event Continues in Tottenham Featured Home The Springvalley El. B. 2,155 sq.ft.

Artist’s concept.

Semi detached from

$329,990 OR PLAN GROUND FLO TION ‘B’ ELEVA

BONUS PA CKAGE • 3 stainle ss steel ap plia

PLAN SECOND FLOOR ELEVATION ‘B’

• white fro nces nt load wa sher & dry • 3” natura er l hardwoo d in family • $3,000 room in décor do ll a rs *Limited tim e offer

Don’t miss your chance to become a part of this successful community. Over 150 homes sold since our launch, come celebrate in our success! Towns from

$292,990 &

Singles from

$367,990

1-855-232-8100

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

millstreethomes.com

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

TOT T E N HA M

2013 SHOPPING GUIDE

2013 ISSUE NOW AVAILABLE! Profiling a selection of the GTA’s top home & décor shops and services

free

sHoppIng 2013 Home Décor anD renovations

guIde

shop your way

across the gTA

Yanic Simard’s

trend watch

Inspiration in

emerAld CITy a special advertising supplement

SG cover 2013.indd 1

1/11/13 4:23:35 PM

416.626.4889

LOVE TO SHOP? Our 2013 shopping guide profiles some of the GTA’s top home and décor shops and services. 72 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

newhomeguide.ca

KING OAKS IN KING CITY

WINNER COMMUNITY OF THE YEAR

LARGER LOTS MEAN MORE SPACE, MORE LIGHT, MORE HOME. UP

OVERSIZEd EStAtE lOtS FROM $1.25 MIllION

A spacious 3-car garage opens directly into laundry area. Wrap-around covered porch Master bedroom with tray ceiling, double walk-in closets, and ultra-luxurious ensuite. Every bedroom features a private 3-piece ensuite and plenty of closet space.

DEN 13’8” X 11’0”

M/W WALL OVEN

W.I.C.

BATH 4 BATH 2

DINING ROOM 17’4” X 14’3”

W.I.C.

BEDROOM 4 10’9” X 19’0”

CL CL BATH

W.I.C.

LAUNDRY ROOM

FOYER

OPEN TO ABOVE & BELOW

OPEN TO ABOVE DN

COVERED PORCH

BEDROOM 2 10’8” X 14’9”

6 RAILING

TUB W

ENSUITE GLASS SHOWER & TOILET ENCLOSURE

KITCHEN 10’3” X 16’7” F

Gourmet kitchen with built-in gas cooktop and wall oven, pantry, and island with extended counter.

FREE STANDING TUB

OPEN TO BELOW

SECOND FLOOR ABOVE SHOWN DOTTED

RAILING

W.I.C.

GARAGE 29’6” X 20’0”

Sales Office and Model

PWD

LIVING ROOM 16’1” X 20’6”

COVERED PORCH

LINEN

LOFT 9’0” X 16’0” BATH 3

BEDROOM 3 16’1” X 16’1”

RAISED CEILING 12”

thE dElAWARE 4,910 Sq. Ft. EStAtE hOME

55 Richard Serra Ct. King City (905) 833-6413

GREATGULF.COM Prices and specifications subject to change without notice. E. & O.E. Illustrations are artist’s concept. All square footages are approximate. Actual usable space varies from stated floor area. Sales office hours: Sat. & Sun. 11am - 6pm • Mon. - thurs. 1 - 8pm • Closed Fri.

RAISED CEILING

Fabulous Great Room with a gas fireplace surrounded by windows.

MAKE-UP COUNTER

MASTER BEDROOM 21’5” X 16’9”(21’5”)

RAILING

GREAT ROOM 17’0” X 16’6”

TRAY CEILING

W.I.C.

RAILING

BREAKFAST 11’0” X 21’0”

PANTRY

EXTENDED BREAKFAST COUNTER

Experience the estate difference

inthenews

Bank of Canada holds rate, drops forward guidance The Bank of Canada announced on Oct. 23

that it was keeping its trend-setting overnight lending rate at one per cent, where it has been since September 2010. The biggest change from previous statements was that it no longer hinted that the next move will be a rate hike. Instead, the Bank defended its decision not to cut rates amid persistently low inflation. The Bank says it does not want to risk reversing the current “gradual unwinding of household imbalances” and slowdown in household debt growth. In other words, the housing market is well behaved right now and the Bank wants to keep it that way. Global growth had become “less favourable” for Canada, the Bank says. This is a reference to the slow pace of economic recovery and increased uncertainty in the United States, which is resulting in weaker than expected Canadian export growth and business investment.

Accordingly, the Bank has lowered its projections for Canadian economic growth this year and in each of the next two years. Accordingly, the Bank has lowered its projections for Canadian economic growth this year and in each of the next two years. 74 New home guide GTA | novEmber 9 - 23, 2013

The Bank now expects economic growth of 1.6 per cent in 2013, down from the 1.8 per cent projected back in July. Growth is expected to pick up to 2.3 per cent in 2014, which is down from a 2.7 per cent projection in July, and edge up further to 2.6 per cent in 2015, also down from 2.7 per cent in July. The Bank now expects that inflation will not return to its two per cent target and the economy will not return to full production capacity until “around the end of 2015.” That’s been pushed back from the previous expectation of doing so by mid-2015. As such, the possibility of the Bank hiking interest rates anytime this year or next is likely off the table at this point. If anything, the odds that rates could be cut has increased; however, unless the economic outlook deteriorates further, the most likely scenario is that the Bank will keep interest rates on hold for quite some time yet. As of Oct. 23, 2013, the advertised five-year lending rate stood at 5.34 per cent, unchanged from the previous Bank rate announcement on Sept. 4.

Fully Upgraded Executive

FREEHOLD TOWNS in Markham

Two master bedrooms, each with a master ensuite available in our spacious freehold townhomes! MARKHAM

Sales office located at the S/E corner of Markham Bypass and 16th Ave.

PLUS*

✔ 3 1/2 baths ✔ Upgraded hardwood on main floor ✔ Stained oak stairs ✔ Smooth ceilings ✔ Glass shower ✔ Upgraded cabintery ✔ Granite countertop in kitchen ✔ Plus much, much more

LARGE FREEHOLD TOWNHOMES STARTING FROM THE

470’s

from 1,737 sq.ft.

LIMITED TIME OFFER • FULLY DECORATED MODELS HOMES NOW OPEN

foresthillhomes.ca or 905-472-0229 * As per applicable Bonus and floor plan, applies to firm purchases only between November 1st and December 31st, 2013. May not be included in finished/inventory homes. See sales representative for details. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonus’ are subject to change without notice. E and O.E,

inthenews

Housing starts forecast to remain stable in 2014

“In the resale market, homebuyers have been motivated to advance their purchases and lockin pre-qualified mortgages given the recent moderate increase in mortgage rates. It is expected that existing home sales will increase modestly in 2014 with improving economic conditions.”

76 New home guide GTA | novEmber 9 - 23, 2013

Canada Mortgage and Housing Corp.

(CMHC) expects total housing starts to be stable in 2014, as fundamentals, such as employment growth and migration, continue to support the Canadian housing market, according to CMHC’s fourth quarter 2013 Housing Market Outlook, Canada Edition. “In the new home market, builders are nevertheless expected to limit the number of housing starts while inventories of unabsorbed units, completed and under construction, are drawn down,” says Mathieu Laberge, deputy chief economist for CMHC. “In the resale market, homebuyers have been motivated to advance their purchases and lock-in pre-qualified mortgages given the recent moderate increase in mortgage rates. It is expected that existing home sales will increase modestly in 2014 with improving economic conditions.” On an annual basis, housing starts are expected to range between 179,300 to 190,600 units in 2013, with a point forecast of 185,000 units, down from 214,827 units in 2012. In 2014, housing starts are expected to range from 163,700 to 205,700 units, with a point forecast of 184,700 units. Multiple Listing Service sales are expected to range between 439,400 to 474,000 units in 2013, with a point forecast of 456,700 units, about equal with the 454,005 in 2012. In 2014, sales are expected to range from 438,300 to 498,100 units, with an increase in the point forecast to 468,200 units. The average MLS price is forecast to be between $372,300 and $383,700 in 2013 and between $374,100 and $396,300 in 2014. CMHC’s point forecast for the average MLS price calls for a 4.0 per cent gain to $378,000 in 2013 and a further 1.9 per cent gain to $385,200 in 2014. As Canada’s national housing agency, CMHC draws on more than 65 years of experience to help Canadians access a variety of quality, environmentally sustainable and affordable housing solutions. CMHC also provides reliable, impartial and up-to-date housing market reports, analysis and knowledge to support and assist consumers and the housing industry in making informed decisions.

Coming Soon to the Town of Beaverton

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

Starting from the mid $ s

200

Prices & specifications subject to change without notice. E. O. & E. NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 77

inthenews

RICHMOND HILL MAYOR OFFICIALLY OPENS

KETTLE LAKES CLUB

left to right:

Robert DeGasperis, Metrus Properties Inc.; Andrew DeGasperis, Aspen Ridge Homes; Mayor Barrow; Regional & Local Councillor Vito Spatafora; Bill Daniel, Kaitlin Corp. and many purchasers and prospects. Photo: Paul Casselman

Grand Opening ribbon cutting recent celebration for three spectacular new model homes at Aspen Ridgeâ&#x20AC;&#x2122;s Kettle Lakes Club on Bayview saw Richmond Hill Mayor Dave Barrow (with scissors) make the cut.

78 New home guide GTA | novEmber 9 - 23, 2013

RI CH M ON D H IL L ’S M OS T I NSP I RE D C O MM U NI TY

well-appointed & well-inspired Very rarely does such a great combination of nature, amenities, location & elegance come together in one place. discover a new master planned community bordering nearly one hundred acres of nature and green space. this beautiful landscape of rolling hills & mature trees is a perfect compliment to acorn’s signature architecture. Here, your ownership of common element areas within your community will always be maintained to your high standards. distinctive detached homes starting from $614,900 with up to $7,500 in Free UpGrades.

Brand new release of Carriage Collection Homes N

Bloomington Hwy 404

28’ Carriage Collection

Yonge

SITE SALES CENTRE

Presentation Centre Hours: Mon. - Thurs.: 1pm - 8pm; Sat. & Sun.: 11am - 6pm; Closed Fridays & Holidays 905-773-9257 acornhomes.ca

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

38’ signature Collection

designeradvice

beyond the basics:

designer essentials by Yanic Simard

There are some furnishing basics

every space needs, that we all see every day: comfortable chairs, room-brightening lamps, desks for perching that laptop or good book, beautiful art dressing the walls. As a designer, it’s my job to see beyond the basics, and look to pieces that don’t just serve an obvious function, but solve each client’s specific design dilemmas while adding true beauty, and a sense of surprise. When you really open your eyes – and know where to look – you can find unexpected answers to design questions and take your space to a whole new standard of living. The next time you’re shopping for some must-haves, bring along this essential guide to going beyond the basics:

80 New home guide GTA | novEmber 9 - 23, 2013

C O N T I N U E D on p a g e 8 2 . . .

GRAND OPENING IN SUTTON

By the shores of Lake Simcoe

Rendering is artist’s concept.

SINGLES ON 36’, 40’, & 50’ LOTS Starting from

$359,990

TOWNHOMES Starting from the

$274,990

MyJubilee.ca

Presentation Centre located at: Baseline Rd. and Dalton Rd.

1.877.455.0201 Prices and specifications are subject to change without notice. E. & O.E.

SUTTON

d e s i g n e r a d v i c e | C O N T IN U ED

against traditional or modern furnishings because of the raw, elemental nature of the exposed filament. Get the look Universal Lamp carries a wide selection of styles in-store and even more by order. I especially love the dramatic Medusa lamp with its array of bulbs adding a rich glow while making a bold statement. 2 multi-task masters

1 lighten up

› Adding layers of light to a room is key to beautiful design. Harsh shadows from one lonely lamp drag down any décor, so you should always include as many types of lighting as possible (sconces, floor lamps, table lights, pendants, etc). However, the lighting source doesn’t have to be strictly functional. Consider choosing a piece that makes its own statement – after all, it’ll be under the spotlight. › Simple white shades are timeless (the modern trend being non-tapered cylinders and squares), but even more trendy is the bare Edison-style bulb. This touch of industrial style plays well

82 New home guide GTA | novEmber 9 - 23, 2013

› A n absolute staple I’ve returned to again and again for many clients and many designs, simple stools can function as side tables, extra seats, or cocktail tables (especially when clustered together), and tuck away or move easily to suit so many uses. If you see a form you love, reaching 16- to 18-in. high, perhaps it can double as seat and table. Hard stools are great if you prioritize the table space (pulled up to seats to hold a drink), and soft stools make for plusher seating (but can still hold a serving tray). Either way, use this as a chance to add a new texture, like faux fur, cowhide, rich wood or natural stone. Get the look Visit Toronto designer mainstay L’Atelier. Shop their showroom, or ask to order one of the many cool and playful options from Made Goods. 3 Hit the bench

› Often associated with pianos or parks, the humble bench is a powerful piece of seating. I like to use one in long or awkward floor plans for its ability to connect spaces. In a room too big for one seating group, break the space into multiple areas with a bench in the middle to serve both seating areas. It creates a visual line, while serving double duty.

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d e s i g n e r a d v i c e | C O N T IN U ED

› A bench also makes a stylish seat for your dining table (just stick to a two-seater so nobody is trapped in the middle), or an extra cocktail table option for standing-room-only occasions. 4 get seated:

› While most homes will have a standby sofa or sectional for everyday lounging, don’t underestimate the value of a full-sized, single-seat chair. You’ll want something that will cocoon you when you just need some alone time. › A pair of matching sofas can be a great look, but don’t be afraid of asymmetry (and different periods). The best groupings include some variety to suit all different seating situations. › Upholstered furniture does not have to use the same material on the front and back, which gives you another great chance to embrace a high-impact look in a smaller dose. A bold fabric or finish on just one side gives a touch of drama without sacrificing any practicality. Then use accent pillows in a relating fabric to connect it back to your sofa for harmony. Get the look When I visited the newly opened shop In the Know (ITK), they had not one but two cool classic egg chairs – one in bold red and one with an industrial metal “shell” with brown leather seat. Of course, at ITK every item on the floor drops in price every week until they’re quickly snapped up, so visit often.

Get the look Get a simple mirror from IKEA and look to hardware or art supply stores for etching kits, or visit Zilli home for wall hung and oversized floor options in a range of styles. Add to this...

› A sleek Calvin Klein Home sofa › Minam.com’s cool Market Shelf ladder-style shelving unit › An area rug that anchors the entire furniture group (try Restoration Hardware for a traditional woven style, or Pampa Leather for a rich leather patchwork)

5 Looking Back

› A mirror is often thought of as a fashion accessory. One full-length mirror in the bedroom for getting dressed, and one in the foyer for a quick out-the-door check. However, mirrors are bigger than ever as a décor accessory that, besides doubling the visual space, can bring beauty all their own. Antique mirrors, with natural (or applied) patina, bring a very on-trend touch of old-world glam to a space. › I recently designed a custom aged glass mirror for a client, but you can simulate this look with a fun DIY project by picking up a stripping or antiquing kit, some gold spray paint, and a budget mirror. Make sure to read the directions carefully (and wear protective gear), and once the antiquing is finished a few tiny spurts of the spray paint will give it an extra level of dimension. 84 New home guide GTA | novEmber 9 - 23, 2013

Now that you’ve got some great new ideas for next-level must-haves, you should be ready to take your décor from simply practical to its full potential. And if you’re worried about mixing the pieces together, you’ve got a good start to that, too – all of these pieces can work together to start your cool condo look. You’ll be well on your way to a total design solution. Now keep your eyes open, and look beyond the basics!

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

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 85

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newhomeguide.ca 86 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

finances

How to take finances

from mine and yours to ours, at any age

First comes love, and then comes… a joint bank account.

Whether a couple is cohabitating in their 20s, getting married in their 30s or remarrying in their 60s, at some point in any serious relationship the conversation about joint finances will surface. Regardless of life stage, successfully integrating finances requires open and honest communication to determine how to best combine and plan for the future together. According to research from TD Canada Trust, which surveyed adults in committed relationships, the top three personal finance products that Canadians combine with their partner are a joint bank account (64 per cent), a mortgage (60 per cent) and a joint credit card (50 per cent), compared to only 36 per cent of couples who have a joint financial plan. “A common first step in combining finances with a partner is a joint account for shared household expenses, and like other aspects of the relationship, communication is key to keeping things harmonious,” says Janice Farrell Jones, TD Canada Trust. “It’s important that both parties have a clear understanding of household finances – from day to day spending to long-term savings and investments – and all aspects of each individuals finances ¬ from everyday banking to credit card management – to set the framework for a strong financial future together.” TD Canada Trust provides some advice that may help in maintaining financial harmony when integrating finances with a partner at any life stage: The 20s: Combining finances is often a first for many couples in their 20s, whether it’s renting an apartment together or working to pay down existing student debt. When and how to share money will always vary depending on an individual couple’s financial situation and relationship, but communication is always key. “Start by discussing debt, saving, spending habits, financial goals, and credit history to determine if there is anything that may affect the ability to secure future loans together,” says Farrell Jones. “Next, work together to create a household budget that meets the needs of expense and debt management and has a little left over to put towards the collective financial goals.” Paying down student debt and saving for a home in the future, for example, are common goals for many couples in their 20s. As with any financial goal, it’s important to discuss and align on key considerations like timing, affordability and overall expectations. In the case of home ownership, couples should also make sure they agree on whether they are buying for the long or short-term as it will have a financial impact down the road. The 40s: Paying down debt, raising kids and saving for retirement – with many financial priorities, streamlining is essential for couples looking to combine their finances in their 40s. 88 New home guide GTA | novEmber 9 - 23, 2013

“First and foremost, couples at this lifestage should focus on what will make life easier, financially, together,” says Farrell Jones. “Consider working with an expert to make sure each individual financial strategy aligns with the other to maximize savings potential and keep all of the household financial priorities on track. Couples can also further streamline by making savings automatic with pre-authorized transfers into a TFSA, RSP and a child’s RESP.” Some couples may choose to merge certain aspects of their finances, while retaining individual accounts for additional saving or discretionary spending. Whether a couple decides to combine everything, keep everything separate, or somewhere in the middle, it’s important that both parties are ultimately working towards the same financial goals. The 60s: Likely, many couples in their 60s have a solid financial base, but with fewer peak income earning years remaining, it’s important to have a clear picture of what retirement looks like and what it will take, financially, to get there. “Spending time with the grandkids will have a much different price tag than travelling the world, so alignment on the retirement vision is essential,” says Farrell Jones. “If there is not enough saved for the type of retirement a couple wants, they should work with an expert to help determine how much more needs to be saved and ensure each individual financial plan complements the other to maximize savings and investments.” Whether married or common-law, couples should also ensure their retirement savings strategy takes advantage of spousal RSP contributions to help reach their retirement goals faster while lowering income taxes now and in retirement.

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 89

communityfocus

Live and play by the shore of

Lake Simcoe!

location Innisfil housing type Two-storey models, bungalows, raised bungalows and bungalows with loft designs on 40- and 50-ft. lots Sales centre Westmount Ave. off Jane’s Blvd., open Monday to Wednesday, 1 to 6 p.m., and weekends noon to 5 p.m., Thursday and Friday by appointment contact 705.294.2288 briarwoodhomes.ca 90 New home guide GTA | novEmber 9 - 23, 2013

he talk of the town this season is Briarwood Estates in Innisfil by Briarwood Homes. Less than an hour from Toronto, close to the sandy shores of Lake Simcoe, this charming community by Briarwood Homes is currently offering exceptional value for beautiful homes that start from the $380’s. What’s more, purchasers receive even more great value, with additional free upgrades and an outstanding featured bonus package. At Briarwood Estates, people have the opportunity to live in one of the most sought after areas of southern Ontario. The community has it all – a great location close to a wealth of amenities, executive-style homes that come fully loaded with high-end features and finishes, and exceptional home prices. Gently curving streetscapes are lined with elegant homes that are available on large 40- and 50-ft. lots. Sixteen different elevations include two-storey models, as well as bungalow, raised bungalow and bungalow with loft designs. The neighbourhood is in an existing residential area and many of the lots back onto an elementary school.

briarwood HOMES

Briarwood Estates

The community has it all – a great location close to a wealth of amenities, executivestyle homes that come fully loaded with high-end features and finishes, and exceptional home prices. Briarwood Estates’ homes are a good size to accommodate the growing family. Purchasers have plenty of selection with designs that range from 1,545 to 3,015 sq. ft., and with prices from the $380’s, this is incredible value for a 40-ft. home. Each home is luxuriously appointed with several upgrades that are all offered as standard. All brick or brick and stone elevations feature soldier coursing, keystones, stone windowsills and ornamental trim. Several design options are available, including optional finished basements. The three-car garage option is perfect for storing recreational vehicles, such as boats, ATVs and snowmobiles. Spacious floorplans feature cathedral ceilings, kitchen pantries and peninsula counters for some models. EnergyStar windows and HVAC systems increase the energy efficiency of homes. Interiors have gourmet kitchens with designer-style cabinetry and spainspired ensuites, some of which include double sinks, a corner soaker tub and a separate shower stall. There is ceramic tile flooring in the foyer, kitchen and bathrooms and main floor staircases are finished in solid oak handrails, pickets and stringers. To showcase just one of these exceptional homes, the Beachside offers 1,975 sq. ft. of space. This two-storey family home offers a covered porch with double door entry to a welcoming foyer. The home features a formal room

and a family size kitchen with a breakfast area. The kitchen is open to the family room and has a very convenient main floor laundry room attached. The master bedroom has a walk-in closet and a private ensuite with an oval corner soaker tub and separate shower stall. There are two other bedrooms plus a computer loft. Purchasers can also opt to have the lower level finished to include a cold cellar, guest room with bathroom and recreation room. Ideally located on Westmount Ave., off of Jane’s Blvd., Briarwood Estates is close to major transportation routes. Simcoe Beach is just a 10-minute walk away and shopping, including Sobeys, is also within walking distance. There are variety of restaurants and stores on Innisfil Beach Road and the Lake Simcoe Country Club is just east of the community. For major shopping, Barrie is only a 10-minute drive north. “The response to Briarwood Estates has been tremendous,” says Briarwood Homes President, Enzo DiGiovanni. “Homebuyers here are getting exceptional value, with affordable, high-end homes in a prime location.” Visit the Briarwood Estates and take a tour of the on site sales model. Hours are Monday to Wednesday, 1 to 6 p.m., and weekends noon to 5 p.m., Thursday and Friday by appointment. Call 705.294.2288 or visit briarwoodhomes.ca novEmber 9 - 23, 2013 | New home guide GTA 91

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November 9 - 23, 2013

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

IN THIS SECTION

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

Mississauga

24 26

5 2

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

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

west region:

Fi Map nd er

31 4E

Si te

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

STARLANE HOME CORPORATION Churchill Woods churchillwoods.ca • • • from $529,000

Builder

DUNPAR HOMES

Heritage Gate heritagegate.ca • from $550,000

109 6F

FOREST HILL HOMES

Derry Village Mississauga 905-795-8307 •

107 8B

VANDYK COMMUNITIES

Windows on the Green

AMACON

The Towns at Parkside Village 705-435-9991

GREENPARK HOMES

Churchill Woods churchillwoods.ca • • • $499,000 4E

CONSERVATORY GROUP

Central Park North 905-890-0195

•

from $465,000 7F

DEZEN HOMES

McLaughlin 905-696-7938

•

from $544,000 8B

DUNPAR HOMES

Park View Trail 416-253-5888

from $500,000 11F

Tel

Price Range

vandykcommunities.com

from $520,000

Page No.

• from $300,000 5H

•

from $550,000 8F

•

west region:

IBC-Inside back cover

Mississauga

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

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

46 51

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Brampton, Caledon, Bolton

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west region:

ea ea

rio

Caledon

410

Tel

Price Range

Page No.

from $583,000

36, 37 6P

21 PRIMONT HOMES

Centretown 905-495-5067 • • • from $356,000

41 9M

45 BROOKFIELD HOMES

Pathways 1-855-379-1495 • from $420,000

17 8K

48 ASPEN RIDGE HOMES

Credit Manor Heights 905-216-5155 • •

from $400,000

1 7Q

60 PRIMONT HOMES

Castlemore 905-856-5777 • • from $410,000

13 9K

62 FIELDGATE HOMES

Valley Lands 905-457-0445 • • • from $386,000

Insert, 25 9O

65 GREAT GULF HOMES

Mount Pleasant 905-459-5772 • from $510,000

103 6P

66 BALLANTRY HOMES

Spring Valley Village

TRIBUTE COMMUNITIES

Landscapes 905-893-3331

COSCORP INC.

The Village of Southfields

MONARCH CORPORATION

The Village of Southfields 905-843-0707

EMPIRE COMMUNITIES

Lakeside

VANMAR HOMES

Credit Ridge Estates 416-746-1234

TOWNWOOD HOMES

Gates of Countryside

COUNTRY WIDE HOMES

Gates of Countryside 905-907-1500

REGAL CREST HOMES

Countryside Meadows

countrysidemeadows.ca

•

from $346,000 9M

ROYAL CLIFF HOMES

Gates of Countryside

gatesofcountryside.ca •

•

from $400,000 9M

STARLANE HOME CORPORATION Gates of Countryside

starlanehomes.com •

from $520,000 9M

MATTAMY HOMES

Mount Pleasant North

mattamyhomes.com •

• • from $316,000 6P

MATTAMY HOMES

Mount Pleasant Village

mattamyhomes.com •

• • from $200,000 6P

ballantryhomes.com

•

• •

from $390,000

5 9M

from $399,000 8M

thevillageofsouthfields.ca • • • 6L •

• •

from $390,000 6L

empirelakeside.com •

•

from $350,000 7N

•

from $550,000 8P

gatesofcountryside.ca •

•

from $400,000 9M

•

from $400,000 9M

Rosedale Village Golf & Country Club 905-799-5000

•

• • • from $190,000 8L

18 SABERWOOD HOMES

Heart Lake Village 905-773-6549

19 MATTAMY HOMES

Salisbury Square

25 HEATHWOOD HOMES

• from $300,000 8N

mattamyhomes.com •

•

from $314,000 10N

Terracotta Village at The Credit Valley 905-874-4741

•

from $430,000 9Q

32 FOREST HILL HOMES

Ravines of Castlemore 905-794-8875

•

from $650,000 8K

37 OXFORD HOMES

Adena Ridge 905-584-6444

from $600,000 5H

38 ANDRIN HOMES

Turnberry Townhomes AndrinTowns.com

•

from $350,000 9M

48 REGAL CREST HOMES

Credit Manor Heights yourkingdom.ca

•

from $390,000 7Q

48 COUNTRY WIDE HOMES

Credit Manor Heights yourkingdom.ca

•

from $390,000 7Q

51 ACORN HOMES

Castlegate acornhomes.ca

•

from $575,000 11K

55 ROSEHAVEN HOMES

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $390,000 6P

55 TOWNWOOD HOMES

The Neigbourhoods of Mount Pleasant LoveMountPleasant.com •

•

from $270,000 6P

55 TOWNWOOD HOMES

The Neighbourhoods of Mount Pleasant lovemountpleasant.com •

•

from $270,000 6P

58 DEVONLEIGH HOMES INC.

Meadowlands 519-942-3312

•

from $339,000 3C

64 MERIDIAN HOMES

Credit Valley Manors 905-216-5186

•

from $400,000 8P

65 GREAT GULF HOMES

Mount Pleasant 905-459-5772

•

from $498,000 6P

Brampton, Caledon, Bolton

17 PEMBERTON GROUP

west region:

Site

The Estates of Spring Valley 905-216-5620

Fi Map nd er

Builder TIFFANY PARK HOMES

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Waterdown

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401

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

Milton

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Acton

Stoney Creek

Grimsby

R 37

St. Catharines

Niagara 420

Price Range

Page No.

Eden Park

905-381-4280

•

from $320,000

102 2Q

33 MENKES

The Enclaves of Upper Canada

289-891-9103

•

from $420,000

6-7 9C

SCHUIT HOMES

Perth Park

905-628-9559

• 1Q

GREAT GULF HOMES

Edgewood

905-356-9408

•

SPALLACCI HOMES

Simona Place

spallaccihomes.com • 2Q

ARISTA HOMES

Milton Trails

905-864-3306

COUNTRY GREEN HOMES

The Uptowns of waterdown

905-690-7600

•

12 TOBYN PARK HOMES

Park City

parkliving.ca

• from $180,000 11L

13 HEATHWOOD HOMES

The Village at Traditions

905-876-3140

• •

17 MATTAMY HOMES

Hawthorne Village

mattamyhomes.com • 9G

•

from $305,000 12Q

from $250,000 7M

from $441,000 8H

20 PARKBRIDGE LIFESTYLE COMMUNITIES INC. Cherry Hill at Vineland

1-800-479-9777

•

from $194,000 12R

22 COUNTRY GREEN HOMES

Park Place Village

905-690-7600

•

• •

from $250,000 8M

26 EDEN OAK

Weaver’s Mill

weaversmill.com/nh •

from $336,000 6B

35 PHELPS HOMES

Jordan Village

phelpshomes.com •

from $345,000 9R

36 PHELPS HOMES

Brookside

phelpshomes.com •

from $236,000 7R

37 PHELPS HOMES

Streamside

phelpshomes.com •

from $316,000 6R

Acton, Halton Hills, Milton, Burlington, Waterdown

•

west region:

SPALLACCI HOMES

Tel

Fi Map nd er

Site

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

Si te

# IBC-Inside back cover

Builder

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Pineb

401

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Frank

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t sS dr ew

Main

Cambridge 24

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

eim R

Blenh

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

Elgi

Clyde

St.

lin Blv

Lang

ler Rd Hespe

Oakville, Cambridge

h Ave

rdale

west region:

Guelp

Beave

n Rd

essio

tain Foun

100

ck Rd

le Blo

Midd

Conc

s Rd

Myer

MATTAMY HOMES

The Preserve

mattamyhomes.com •

•

from $640,000

TREASURE HILL HOMES

Nautica at Lakeshore Woods treasurehill.com

•

from $550,000

21 6J

MENKES

Millstone On The Park 905-825-3619 •

from $320,000

6-7 3G

Oakville, Cambridge

Page No.

west region:

Price Range

Fi Map nd er

Tel

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

# Si te

Builder Site

101

BRAMPTON’S MOUNT PLEASANT

ask about our grand opening incentives!

your family deserves A GrEAT GulF hOME Great Gulf Homes Are Better — Here’s Why: Ashby Field rd.

Bovaird Dr.

• lots up to 130 feet deep

• Brockport home construction for assured precision building • Brampton’s best location — walk to the GO station

34 Ft. Detached homes 1,755 - 2,685 sq. ft. from 40 Ft. Detached homes 2,630 - 3,600 sq. ft. from

$509990

$612990

Mississauga rd.

• hardwood flooring available throughout your home

Williams Pkwy.

saLes oFFice Queen St.

Chinguacousy rd.

• Side door entrance with additional staircase to basement

James Potter rd.

hwy. 407

SAlES OFFICE 9806 James Potter road, Brampton (905) 459-5772

communityfocus

Mattamy presents four stunning model homes IN

The Preserve

Your personal home retreat

location Oakville Sales centre 1388 Dundas St. W., open Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., weekends and holidays 11 a.m. to 6 p.m. Model homes open Monday to Thursday 1 to 7:30 p.m., Friday 1 to 5:30 p.m., weekends and holidays 11 a.m. to 5:30 p.m contact mattamyhomes.com 104 New home guide GTA | novEmber 9 - 23, 2013

hen Mattamy set out to design and build four model homes for its prestigious community of The Preserve in Oakville, the company knew they would have to be outstanding in both design and decor to meet the standards that have been set by this special neighbourhood. Oakville, after all, is Mattamyâ&#x20AC;&#x2122;s home, where it all started 35 years ago. So the company wanted the models to excel in every way and be its latest expression of style and grace. These model homes are so spectacular they are worth touring even if youâ&#x20AC;&#x2122;re not looking for a new home. From the moment you walk up the front path of these model homes, you will see the exterior design work that sets this community apart. These are homes that demand your full attention. The four model homes range in size from 2,875 sq. ft. in the 34-ft. model, 2,939 sq. ft. in the 38-ft. model, 3,665 sq. ft. in the 45-ft. model and 4,639 sq. ft. in the 50-ft. model.

MATTAMY HOMES

The Preserve

Chef’s kitchen

It’s easy to see at first glance how wellmatched these homes are in the natural setting and gracious style of this community. Inside, you will find many of the distinctive features that make Mattamy Homes so wellregarded throughout North America. In these four new model homes, you will find a pleasing balance of standard Mattamy home features and upgraded features to give you a real sense of how your home can be tailored to your personal style. The company’s architects were given free reign to conceive virtually every possible style and size of home for The Preserve. They took existing designs and reshaped them, they created completely new styles and floorplans. They spent thousands of hours planning the neighbourhood features that make The Preserve such an enchanting place to live. The new model homes demonstrate the depth of architectural excellence available in The Preserve. Model home row

It’s easy to see at first glance how well-matched these homes are in the natural setting and gracious style of this community.

The model homes reflect the variety of exterior colours and styles available in The Preserve. Styles such as Tudor, French Chateau, Arts and Crafts and English Manor, make the streetscapes in The Preserve very inviting. One of the earliest decisions in The Preserve was to leave the natural geography as a part of the neighbourhood. This community will include local parks and separate Village Squares that will help instill a sense of a small Ontario town. There will be a series of ponds and a landscaped channel drifting through the neighbourhood. The community will have streets that offer natural views of the preserved old growth forests. Many homes will front onto community greenspace where neighbours can gather to enjoy each other’s company in all seasons. Natural heritage and open spaces were very much top of mind during community planning of The Preserve. So if the idea of having an Oakville address is something that appeals to you and your family, we suggest a visit to The Preserve. The sales centre is located at 1388 Dundas St. W., Oakville. Presentation centre hours are Monday to Thursday 1 to 8 p.m., Friday 1 to 6 p.m., weekends and holidays 11 a.m. to 6 p.m. Model home hours are Monday to Thursday 1 to 7:30 p.m., Friday 1 to 5:30 p.m., weekends and holidays 11 a.m. to 5:30 p.m. For more information, visit mattamyhomes.com Open concept kitchen/family room

novEmber 9 - 23, 2013 | New home guide GTA 105

inthenews

Minto Longbranch

opens with record-breaking sales With record-breaking sales in its first night, Minto Longbranch released urban towns at a price-point unheard of in the Toronto market at its VIP launch on Oct. 24. With line-ups out the door, hundreds of prospective purchasers gathered in the new sales centre where 150 units were sold. “The community reception was phenomenal, well beyond anything we expected. Minto Longbranch is on track, in my opinion, to be the best-received new community in the GTA for 2013,” says Amanda Wilson Watkins, vicepresident of marketing and sales. In a sales frenzy, eager purchasers filled every seat in the house. Priced from the low $200,000s, and offering 448 spacious units, Minto Longbranch is one of the last pieces of affordable Toronto lake-side real estate. In a real estate market dominated by highrise condos, Minto Longbranch invites purchasers to a new lake-side community of stacked and back-toback urban towns. Perfect for families, young couples and single buyers, these one-, two- and three-bedroom towns, with up to three storeys, range from 515 to 1,582 sq. ft. Lining Lake Shore West in the heart of one of Toronto’s most historic communities, this new neighbourhood offers purchasers a more personalized welcome home. In a celebration of the unique character of the neighbourhood, purchasers were led through the sales centre to interactive touch screens to explore the culture-steeped area. Throughout the evening, guests enjoyed local flavours, including freshly made iced cream from Sweet Olenka’s, mini-burgers from Woody’s and gourmet grilled cheese from Melt, highlighting the in-demand eateries and hidden gems that contribute to Long Branch’s village appeal.

left to right:

Vince Santino, vice-president of development; Vicki Schmidt, sales manager; Daniel Belanger, senior vice-president, GTA; Amanda Wilson Watkins, vice-president of marketing and sales; Natascha Pieper, director of marketing 106 New home guide GTA | novEmber 9 - 23, 2013

Minto Longbranch embraces urban living with a focus on community and follows the huge success of nearby Minto Southshore. “Once again, we’re very proud to be able to offer all our customers great value in a great location with a rich history as part of the fabric of Toronto,” says Vince Santino, vicepresident of development. Clearly visible from Minto Longbranch, downtown Toronto is easily accessible. Departing from the Long Branch GO Station, Longbranch is 15 minutes from the downtown core. The 501 Queen streetcar, named the globe’s top trolley ride by National Geographic, crosses from the east Toronto Beaches, through the heart of the city, right to Minto Longbranch. “Minto Longbranch is a significant contribution to Toronto’s sustainable growth because it allows people to live, work and play without having to rely on a car. Vibrant living is affordable again, and that came through loud and clear at our VIP reception,” says Wilson Watkins. On display at the sales centre, guests filled the life-sized spacious model rooftop patio and kitchen vignette featuring white with glass cabinetry, an ebony island, stone back splashes and granite countertops. Model units showcased the flat roofs, clean lines, and well-defined entrances of the row’s façades, each unit having a direct relationship to the street. On Nov. 9, Minto invites the community to explore the new collection of contemporary urban towns at Minto Longbranch. To register, visit online at mintolongbranch.com

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Pot Light Package Double Sinks in Main & Ensuite Bath Upgraded Kitchen Cabinetry Upgraced Porcelain Tiles LIMITED TIME OFFER WHERE APPLICABLE AS PER PLAN

*As per applicable Bonus and floorplan. applies to firm purchases only between October 20th - November 20th, 2013. May not be included in finished/inventory homes. See sales representative for details. All renderings and photographs are artistâ&#x20AC;&#x2122;s concept. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonuses are subject to change without notice. E. & O.E.

inthenews

Canadians paying off their debt the good old-fashioned way –

spending less: RBC poll Debt levels are on the rise across Canada,

and the number of Canadians who report being debt-free has decreased. Fewer than one-quarter (24 per cent) of Canadians are now debt free, down from 26 per cent in 2012, according to the third annual RBC Debt Poll. Canadians are focusing on financial fitness with a yearround emphasis on spending less and saving more. As the number of people carrying debt has increased, the average personal debt (non-mortgage) reached $15,920 in 2013 (up from $13,141 in 2012). Anxiety around debt is still a reality for many, as nearly four-in-10 (38 per cent) Canadians are anxious about their debt levels, up from 34 per cent in 2012, but the same number of Canadians (38 per cent) are comfortable with their debt. According to the poll, in an effort to practice financial fitness and reduce personal debt, Canadians have gone back to basics – reining in spending by putting off big-ticket items, including vacations and vehicles. “Despite the rising debt figure, there is a noticeable trend to responsible debt behaviour over the past year,” says Kim Taylor, director, personal lending, RBC. “We are also seeing that others need to take a step back to better manage the debt they are carrying. Before you start on any new routine, it is always best to set goals and have a plan in place. Marathon training often begins with a 5k race, and a financial plan with a path to debt repayment is key to your financial fitness success.” The RBC Debt Poll found that there was a great divide between western and eastern Canada, with debt levels increasing a staggering 35 per cent in the west compared to 10 per cent in the east since 2012. Alberta, faced with regional floods earlier this year, showed a significant increase in debt load, rising 63 per cent from 2012. Despite the higher percentage of debt in the west, residents of eastern Canada (41 per cent) are more anxious than their western neighbours (34 per cent) about their debt levels. “Regardless of where you live, it remains clear that Canadians on the whole can benefit from understanding the true cost of debt and responsible borrowing practices,” says Taylor. “If you’re uncertain about debt, talk to a professional and build a roadmap on how to get to where you need to be. Knowledge is power, and a planner can help provide you with the tools you need to move forward.” 108 New home guide GTA | novEmber 9 - 23, 2013

Taylor offers the following tips on getting financially fit: › Get to know your debt: credit cards, loans, lines of credit – how much do you owe? › Online calculators such as the Debt Reduction Plan are available for you to get a better picture of your exact debt figure. › Schedule an appointment to speak with an account manager. › An account manager is your best tool to help provide unique solutions for you to work on your financial fitness. › Look at your options: what do you think makes the most sense for you to manage debt? › Ask yourself: What are you most comfortable with and what is the best way for you to pay off your debt? A consolidation calculator can help you determine what’s best for you. › Make a plan to reduce your debt and stick to it. › Like any fitness plan, this is no different: you need to stick to it to see results.

at LaSt! YOUr cHaNce tO LiVe ON MiSSiSSaUga rOaD

cHarMiNg SUBUrBaN LiViNg WitH a cHic UrBaN FeeL Introducing Heritage Gate, a bespoke collection of just sixty-five town and semi-detached homes on prestigious Mississauga Road. Located between The Sawmill Valley and Streetsville, among multi-million dollar estates, historic landmarks and breathtaking heritage sites, the homes at Heritage Gate incorporate a myriad of opulent features like elevators, soaring 9’6” ceiling heights, plaster crown moulding, gleaming stainless steel appliances, exquisite granite countertops and more. The rare opportunity to own a truly exceptional townhome on charming Old Mississauga Road comes along once in a lifetime. Don’t wait. These spectacular homes are expected to sell quickly.

1,500 TO 2,800 Sq. fT. fROM THe Mid $500’S TO THe HiGH $800’S REGISTER NOW For priority viewing

Heritagegate.ca

SALES CENTRE GRAND OPENING: Sunday November 10th, 2013 190 Queen Street South, Streetsville

Brokers Protected. Prices and specifications are subject to change without notice. Illustration is artist’s concept. E. & O.E.

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 109

IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property. Thatâ&#x20AC;&#x2122;s why we put you right in the middle of the search process.

Search your favourite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

110 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

November 9 - 23, 2013

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

IN THIS SECTION

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

North Rd

32 Sideline

Altona Rd

Rosebank Rd

Altona Rd Church St S

Squires Beach Rd

Brock Rd

Sandy Beach

Appleview Rd

Spruce Hill

Montgomery F

Lak

Wentworth St

King

St E

Adelaide Ave

Wentworth St

Bloor St.

Olive Ave

Ritson Rd S tS eS co Sim

Stevenson Rd

Phillip Murr

Bloor St Park Rd S

Finley Ave Westney Rd S

Harwood Ave

Fairport Rd

401

Kendalwood R

Dr Notion Rd

Whites Rd

Granite Court

Gibb St

Harmony Rd S

Dixie Rd

Cochrane St

46 Rd

Garden St Blair St

52 91 14

King St W Bond St W

Adelaide Ave

Park Rd S

gst

Bayly St E

Dundas St E

17 Rossland Rd

Centre St.

Kin

Liverpool Rd

44 48 401

Kingston Rd

Manning Rd

Dryden Bv

Beatrice St

Conlin Rd

devie

Whites Rd

Brock Rd R aks rO o j Ma Valley Farm

401

Audley Rd

Sheppard Ave

Brock Rd

Riverside

16 Sideline

Church St N McQuay

Glenanna Rd

Ravenscroft Magill 92Dr

Taunton Rd W

Cityof Oshaw a

Mary St N

Stroud's

Paddock Rd

Rossland Rd

Garden St

Audley Rd

Brock St N

Townline Rd

Tow n of Ajax

23 Anderson St

Highview Rd

Greenwood Rd

Lakeridge Rd Garrard Rd

Westney Rd N

Country Lane

Taunton Rd W

Thickson Rd

Delaney Dr

Salem Rd

Stevenson Rd

Gran

North Rd Baldwin St S

13 37

Garrard Rd

Rossland Rd

Salem Rd

3 Concession

4 Sideline R

Taunton Rd E

Conlin Rd

Tow n of W hitby Thornton Rd

Central Park

30 Sideline Coronation R

24 Sideline co

Finch Ave

20 Sideline Sim

Brock Rd

16 Sideline

4 Concession

6 Sideline Ritson Rd N

4 Concession

12 Sideline

Rossland/Winchester R

Church St E

8 Concession

Wilson Rd N

4 Sideline Halls Rd N

Fifth Conces

Country Lane

5 Concession

Cochrane

Whitevale Rd

Lake Ridge R

6 Concession

Baldwin St N

Ashburn Rd

Cedarbrook T

Village of Brooklin

Duffs Rd

Columbus Rd

16 Sideline Brock Rd Cen tral St

Cityof Pickering

7 Concession

Brawley Rd

Myrtle Rd W

Garrard Rd

28 Sideline

7 Conncession

8 Concession

9 Concession

Stevenson Rd

9 Concession

4 Sideline R

Pickering, Ajax, Whitby, Oshawa

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

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

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

east region:

Harmony Rd N

Grandeview S

Townline Rd.

Bay

112 Grandeview S

Wilson Rd S

Thornton Rd

Hopkins St Blair St

Henry St Brock St S

Gordon St

Ajax-Whitby

Shoal Point Rd

Pickering Beach Rd

riv ew a

Liverpool Rd

MENKES

Somerset

905-428-0500

•

from $520,000

6-7 7G

LAKEVIEW HOMES

The Forest of Lyndebrook

416-746-1234

•

from $490,000

14 10F

90 LEBOVIC HOMES

Old Taunton in Pickering

905-428-3434

•

BROOKFIELD HOMES

Hills of Harrowsmith

905-697-1681

•

from $300,000 15G

GREAT GULF HOMES

Stonecrest

greatgulf.com

•

from $298,000 15F

EMERY HOMES

Town Central

1-877-953-6379

•

from $350,000 4J

HIGHMARK HOMES

Triumph

whitbytriumph.ca •

from $350,000 10G

STAFFORD HOMES

Elements Townhomes

elementsajax.com

from $390,000 7H

13 LIZA COMMUNITIES

Folkstone

1-877-365-9555

• •

from $335,000 10G

21 GREAT GULF HOMES

Grandview Oshawa

1-888-579-7235

•

from $334,000 14F

31 PRESTON HOMES

Prestonvale Heights

905-432-2800

• •

from $350,000 15J

34 TRIBUTE COMMUNITIES

The Neighbourhoods of Park Ridge 905-723-2344

•

from $339,000 15G

45 SUNDIAL HOMES LIMITED

Mulberry Meadows

905-427-8255

•

from $273,000 6J

47 SENATOR HOMES

Whitby by the Lake

senatorhomes.com • •

from $250,000 9J

54 BAYCLIFFE HOMES

The Gates of Whitby

905-668-9828

•

from $250,000 9G

60 GREYCREST HOMES

the fields of conlin

905-725-4539

•

from $310,000 15G

66 MONARCH CORPORATION

Tran Quility

monarchgroup.net •

from $550,000 7G

67 MIDHAVEN HOMES

Breeze

1-877-773-6888

•

from $300,000 15F

68 STORYBOOK HOMES

Brookstone Estates

905-438-9516

•

from $1050,000 11B

91 SUNDANCE HOMES

The towns of nichol green phase 1

905-441-3312

•

from $260,000 11J

92 GLEN ROUGE HOMES

The Cornerstone

905-239-9777

•

from $577,000

• •

117 5H

Pickering, Ajax, Whitby, Oshawa

Page No.

east region:

Price Range

M Fi a nd p er

Tel

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

Site

# Si te

Builder

113

Mill St

Parkhill Rd.

115

24 16

te Wa

Peterborough

9 31 Lansdowne Ave.

134

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

ach

Durham 23

Bloor St.

Hwy 2

Oke

Nash Rd

Lindsay St. North

Angelina St North

Major St.

Lorne St.

Lindsay

Courtice

King St.

Po rt Per ry

Hwy #7

Kent St

Harmony Rd

Hw Mya2rsh

401 14

Bloor St.

LAKE

ONTARIO

Bowmanville/ Newcastle

St. Ridout W al to

St .

To Belleville Jocalyn St

401

Lake Ontario

Po rt Hope

Rd.

t. H wy 2

Kin

Concession St

Baseline Rd. E

Hwy

401

7 12 7A

Lake Scugog

ill Mc G

LAKE ON TA

Port Hope

MacDonald Cartier Freeway

106

RIO

115

Cobourg

Hwy 2 3

Hwy 401

Reg. Rd. 74

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

To Toronto

Hwy

Nash Rd

St. Hw

Baseline Rd. W

King

Liberty St. N Liberty St. S

7 y4 30 Hw Goodwood Rd

Centre

Rd.

Quaker Village Dr

Uxbridge

Brock Rd To

Hwy 134

Elgin Park

Durham Reg

Main St

Brock St

West Townline Rd. N.

Reg Rd 8

le Rd

ro n

Che Monaghan Rd.

Hains St

Varcoe Rd Darlington Blvd

n io

St. Joseph's Rd onva

Waverly Rd

Mearns

Concession Rd 3

Colborne St

Hwy 28

Av e Trulls Rd

Regional Rd 57

Reg. Rd 34 Courtice Rd

McLaughlin Rd ille Rd Janetv

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

Reg. Rd. 18

Lambs Rd

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19

east region:

Prest

Hancock Rd

Mill St.

oS tari

Hwy #12 (From Whitby)

ron To

Simcoe St. (From Oshawa)

y. 4 H

114 Hw

Page No.

MASON HOMES

Port Hope Lakeside Village

905-885-6565

•

from $229,000 12K

BROOKFIELD HOMES

Foxtrail

brookfieldhomes.ca •

from $390,000 5B

KAITLIN GROUP LTD.

Port of Newcastle

1-800-305-6849

• • • from $260,000 14E

KYLEMORE COMMUNITIES

Port of Newcastle

905-987-5146

•

from $479,000 14E

STORYBOOK HOMES

Bond Head Estates

905-438-9516

•

from $850,000 14E

PARKVIEW HOMES

Harmony

705-748-4663

• from $178,000

14 RICE DEVELOPMENTS

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

16 PARKVIEW HOMES

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

18 B.G. SCHICKEDANZ

Lake Scugog Estates

1-888-894-9888

•

from $330,000 17B

20 GERANIUM HOMES

Verandas

905-885-0555

•

from $266,000 10I

24 PARKVIEW HOMES

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

26 KAITLIN GROUP LTD.

Aspen Heights

905-697-0513

• from $165,000 10C

26 KAITLIN GROUP LTD.

Condominiums at Clarington Centre 905-697-4513

• from $210,000 10C

26 KAITLIN GROUP LTD.

Country Classics

1-866-514-3573

• •

from $300,000 10C

30 EMPIRE COMMUNITIES

Estates of Wyndance

905-649-8197

•

from $900,000 3E

31 PARKVIEW HOMES

Foxmeadows Estates

705-741-1004

• • from $286,000

34 CARRINGTON HOMES

Woodlands of Upper Courtice

905-787-0963

•

from $260,000

35 MASON HOMES

Parklands

1-866-443-7900

•

from $238,000 3H

39 H&R DEVELOPMENTS

Gracefields

hr-newhomes.com •

from $322,000 14B

39 THORNRIDGE HOMES

Gracefields

thornridgehomes.com •

from $290,000 14B

45 HIGHCASTLE HOMES

Northglen

northglen.ca

• •

from $221,000 11B

45 DELPARK HOMES

Northglen

905-419-7222

•

• •

from $221,000 11B

45 ESQUIRE HOMES

Northglen

northglen.ca

from $245,000 11B

48 BROOKFIELD HOMES

BrookHill

905-697-1681

•

• •

from $300,000 10B

48 JEFFERY HOMES

BrookHill

905-697-0765

•

• •

from $300,000 10B

72 VANDYK COMMUNITIES

West Park Village

vandykcommunities.com •

• •

from $210,000

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

Price Range

east region:

Tel.

Fi Map nd er

Builder Site

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

# Si te

115

inthenews

Promising U.S. outlook in 2014 bodes well for Canadian economy While recent developments in Washington have in 2013, and the federal government shutdown will focused on the deficit and debt situation, the fiscal mean that real gross domestic product will grow by 1.6 outlook for the United States is actually improving in per cent at most this year, according to The Conference the short term. From $1 trillion in 2012, the fiscal Board of Canada’s U.S. Outlook – Autumn 2013. deficit is set to decline to $750 billion in 2013 and Led by improvement in the housing market and $563 billion in 2014. investment spending, real GDP growth is forecast to The October agreement to reopen the federal reach 3.2 per cent in 2014, but both domestic and government avoided potentially sharp losses in equity international risks remain. markets that could have shaken business and “Although the U.S. Congress avoided a default household confidence. However, the volatility in (recently), the agreement is a stop-gap measure that financial markets could return in 2014 if the poisonous failed to solve the basic differences between atmosphere in Washington continues over tax Democrats and Republicans over taxes and government increases and entitlement programs. spending,” says Kip Beckman, principal economist. The higher taxes and lower spending implemented “If we go through the same drama in January and in early 2013 contributed to the weak U.S. economic February, our projection for stronger growth next year growth this year. Real household spending is set to would be in jeopardy. increase by a modest two per cent this year before rebounding and growing by 3.1 per cent in 2014. Next year, fiscal restraint measures are expected Our optimistic outlook for 2014 to ease, and real household spending is set to increase is also contingent on the ongoing by 3.1 per cent in 2014. Government spending is also turmoil in the Middle East remaining expected to make a slight positive contribution to economic growth in the second half of next year. largely contained, so that oil prices Furthermore, the U.S. housing market is recovering, do not spike. which is good news for Canadian exporters. Housing starts are expected to increase by close to 19 per cent “Our optimistic outlook for 2014 is also contingent this year and by 26 per cent in 2014. Real spending on the ongoing turmoil in the Middle East remaining on residential construction is expected to expand by largely contained, so that oil prices do not spike.” 29.4 per cent in 2014. The U.S. economy was already struggling

116 New home guide GTA | novEmber 9 - 23, 2013

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 117

A TRADITION OF EXCELLENCE Model Home Compliments of Tribute Communities www.mytribute.ca

The Ridgewood, a stunning 2,942-sq.-ft. model in Tribute’s Park Ridge community in Oshawa, offers the finest in contemporary kitchen design.

NOVEMBER2013

tribute communities has been featured as “model home of the month” as seen in the new home guide model home calendar

homebuyersâ&#x20AC;&#x2122;help

HomeBuyersâ&#x20AC;&#x2122; Resource Section You love the home, see what you can afford! Compare mortgage rates for your best deal alculate your mortgage payments using the C mortgage payment calculation chart

novEmber 9 - 23, 2013 | New home guide GTA 119

Calculate your mortgage payments interest rate

amortization period

chart figure

example: 5%

25 years

5.82

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

125

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

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

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

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

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

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

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.) 120 New home guide GTA | novEmber 9 - 23, 2013

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

monthly payment

Mortgage payment calculation chart %

Amortization Periods

Interest Rates

10 years

15 years

20 years

25 years

30 Years

3.00%

9.65

6.90

5.54

4.73

4.21

3.25%

9.76

7.02

5.66

4.86

4.34

3.50%

9.88

7.14

5.79

4.99

4.48

3.75%

9.99

7.26

5.91

5.13

4.61

4.00%

10.11

7.38

6.04

5.26

4.76 4.90

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

5.04

4.75%

10.46

7.75

6.44

5.67

5.19 5.34

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

8.50%

12.32

9.76

8.59

7.95

7.59

8.75%

12.45

9.90

8.74

8.12

7.76

9.00%

12.58

10.05

8.86

8.28

7.93

9.25%

12.71

10.19

9.05

8.45

8.10

9.50%

12.84

10.33

9.20

8.62

8.28

9.75%

12.97

10.48

9.36

8.78

8.45

10.00%

13.10

10.63

9.52

8.95

8.63

10.25%

13.24

10.77

9.68

9.12

8.80

10.50%

13.37

10.92

9.84

9.29

8.98

10.75%

13.50

11.06

10.00

9.46

9.16

11.00%

13.64

11.22

10.16

9.63

9.34

11.25%

13.77

11.36

10.32

9.80

9.52

11.50%

13.91

11.52

10.49

9.97

9.70

11.75%

14.04

11.66

10.65

10.15

9.88

12.00%

14.18

11.82

10.81

10.32

10.06

12.25%

14.32

11.97

10.98

10.49

10.25

12.50%

14.46

12.13

11.15

10.67

10.43

12.75%

14.59

12.28

11.31

10.85

10.61

This table shows the monthly payment of principal and interest for each $1,000 of mortgage. Example: The monthly principal and interest payment for a $125,000 mortgage with a 25-year amortization period at 5% is as follows: ($125,000 รท 1,000) X 5.82 = $727.50 novEmber 9 - 23, 2013 | New home guide GTA 121

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

5 years

ATB Financial 2.7 2.94 2.89 3.19 3.59 3.79 6.30op 6.30op 6.50op Alterna Svgs/Alterna Bk 3 4 3.14 3.14 3.19 3.59 3.69 6.30op 6.30op Bank of Montreal 3 4 3.14 3.14 3.95 4.74 3.79 6.30op 6.30op Bank of Nova Scotia 2.7 4.55 3.75 3.89 2.89 4.39 3.59 6.45op 6.50op Canadian Western Bank 4 3.14 3.14 3.95 4.54 5.34 6.45op 6.30op CIBC 3 3.09 3.14 3.19 3.59 3.89 6.70op 6.35op HSBC Bank Canada 3 4.45 2.7 3.95 3.13 4.99 3.69 6.20op 6.35op ICICI Bank Canada 3.05 3.15 3.65 3.64 3.69 3.89 ING Direct 3 3.19 3.24 3.59 3.69 4.09 Manulife Bank 2.8 4.45 3 3.25 3.4 3.5 3.79 4.00op MonCana Bank 3.69 3.75 3.79 3.79 3.69 National Bank n/a 4.4 3.14 3.14 3.95 4.74 5.34 6.70op 6.70op Presidentâ&#x20AC;&#x2122;s Choice Finan 3 3.24 3.59 3.69 4.09 Royal Bank 3 4 3.14 3.14 3.85 3.49 3.79 6.30op 6.30op TD Canada Trust 3 3.09 3.14 3.95 4.74 3.79 6.30op TRUST COMPANIES Community Trust n/a Effort Trust n/a Home Trust Company 2.65 Investors Group Trust n/a MTCC 2.7

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.25 3.95 4.74 3.25 3.6 3.95 4.7 6.30op 2.89 2.89 3.09 3.39 3.14 3.14 3.95 4.69 6.30op 3.75 3.89 2.89 4.39 6.50op

5.34 4.95 3.69 5.34 3.59

OTHER FINANCIAL INSTITUTIONS Airline Financial C.U. 4

3.01 3.1 3.33 3.65 3.99 6.25op

Comtech Credit Union 2.95 6.2 6.40op First National Fin. LP 3.95 FirstOntario C.U. 2.7 6.34op London Life n/a 4.2 6.50op Luminus Financial 2.95 MCAP 2.85 Meridian Credit Union 2.75 4 Parama Credit Union 2.85 Steinbach Credit Union 2.5

2.99 3.25 3.29 3.24 6.30op 2.99 2.79 3.09 3.39 3.09 3.14 3.44 3.49 6.34op 3.14 3.14 3.95 4.74 6.30op 3.05 3.1 3.55 3.65 3.95 3.6 3.95 4.35 4.89 7.00op 3.09 3.14 3.65 3.49 6.30op 2.9 2.69 3.2 3.45 2.5 2.7 2.9 3.05

3.59 3.69 3.69 5.34 4.05 5.14 3.59 3.55 3.25

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 November 4, 2013. Prepared By Fiscal Agents Financial Information Services 905.844.7700

novEmber 9 - 23, 2013 | New home guide GTA 122

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

new openings Lebovic Homes Aurora New prestigious estate golf community in Aurora – homes 5,600 to 8,700 sq. ft. with four-car garage and elevator. lebovichomes.com Tribute Communities Oshawa – U.C. Grand opening of this new master-planned community in north Oshawa. mytribute.ca Bremont Homes Innisfil – Forest Edge Now open – all detached 36-ft. singles on forest lots, close to the lake, with two designer models. myforestedge.com Augustine Group Lake Simcoe – Crates Landing Now open – the beauty of Lake Simcoe at an affordable price. crateslandingcondos.com Averton Homes Mount Albert – Victoria Highlands Now open – community of bungalows and two-storey homes. victoriahighlands.com Arista/Fieldgate/Forest Hill/ Madison Homes Richmond Hill – Jefferson Forest Priority preview now open for these townhomes and a select number of singles. jeffersonforest.ca Arista Homes North York – Goddard on the Valley Grand opening now on for these semis and select number of detached homes. aristahomes.com Brookfield Homes/ Orchard Ridge Homes Alliston – Treetops Model homes now open for this masterplanned community right next door to the Nottawasaga Resort. treetopslife.ca Arista/Fieldgate/Paradise/Starlane Unionville – Upper Unionville Now open – urban/lane/luxury townhomes, semis and 34-, 38- and 42-ft. singles. livingatupperunionville.com

Fieldgate Homes Brampton – Valleylands on Chinguacousy Grand opening – freehold towns, 28-ft. linked singles, 38- and 45-ft. detached singles. fieldgatehomes.com

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

Menkes North York – Bloom Park Towns Now open – townhomes at Bathurst St.and Finch Ave. menkes.com

new RELEASES

Mattamy Homes Brampton – Mount Pleasant North Now open – this selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots. mattamyhomes.com Fieldgate Homes Richmond Hill – The Humberlands Grand opening – 30-, 36- and 50-ft. singles close to parks, schools, shopping and more. fieldgatehomes.com Ballymore Homes/Briarwood Homes Tottenham – Mill Street Village Grand opening – towns, semis and detached homes on 33- and 40-ft. lots. millstreethomes.com Aspen Ridge Homes & Great Gulf Homes King City – King Oaks Now open – two magnificent designerfurnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com Aspen Ridge Homes Richmond Hill – Kettle Lakes Club Now open in Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com National Homes Forest Hill – The Churchill Collection Now open at Spadina and St. Clair, refined townhome residences. churchillcollection.ca Brookfield Homes Mono – Fieldstone Now open – single-family homes on 60- and 70-ft. homesites. myfieldstone.ca Menkes Georgetown – The Enclaves of Upper Canada Now previewing – semi-links and detached homes in Georgetown. menkes.com Monarch Corporation Toronto – Birkdale Now available – townhomes at Ellesmere Road and Midland Avenue. monarchgroup.net Monarch Corporation Kleinburg – Kleinburg Crown Estates Now open – 42- and 50-ft. singles to Major Mackenzie Rd. and Hwy. 27. monarchgroup.net Rosehaven Homes Kleinburg – Kleinburg Heritage Estates Now open – homes of distinction on unique 60-to 70-ft. lots. kleinburgheritageestates.com

Empire Communities Brampton – Lakeside Two new 38-ft. designs in this community of townhomes, semi-detached and detached homes. empirelakeside.com Monarch Ajax – TranQuility New release of detached single-family homes on private ravine and pie-shaped lots. monarchgroup.net Rosehaven Homes & Townwood Homes Brampton – Mount Pleasant New release of freehold towns, attached singles and detached homes on 30-, 38-, 41- and 45-ft. lots. lovemountpleasant.com Mattamy Homes Oakville – The Preserve A new release of Village Homes and 34-, 38- and 45-ft. detached homes, many on a private crescent. mattamyhomes.com Forest Hill Homes & Madison Homes Markham – Cornell Rouge New release – freehold towns and singles on 30-, 36- and 40-ft. lots with attached garages. Eight models now open. cornellrouge.com Ballantry Homes Brampton – Spring Valley Village New release of semi-detached and detached homes surrounded by valley lands. ballantryhomes.com Tribute Communities Oshawa – Park Ridge New 40-, 50- and never before seen 36-ft. designs on extra deep lots. mytribute.ca Aspen Ridge Homes Markham – Upper Cornell New release now available – semis and detached homes on 30-ft. lots. aspenridgehomes.com Heathwood Homes Milton – The Village At Traditions Special new release pricing in this final phase, including only eight singles. heathwood.com CountryWide Homes Markham – Wismer Commons New release of singles and towns in this fully established community. countrywidehomes.ca Fieldgate Homes & Arista Homes Vaughan – Vaughan Valley Estates Spring lot release of 41-, 50-, 60and 80-ft. singles. fieldgatehomes.com Great Gulf Homes Bradford – Summerlyn Village Limited edition detached homes on premium conservation lots. greatgulf.com novEmber 9 - 23, 2013 | New home guide GTA 123

ONTARIO’S MOST-READ NEW HOMES GROUP WE ARE THE LARGEST MAGAZINE DISTRIBUTION SYSTEM IN ONTARIO. Move in Ready – New Homes! November 9 - 23, 2013 Volume 21 Issue 21

November 2 - 16, 2013 Volume 17 Issue 20

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TWO-STOREY TOWNHOMES • 1,227 SQ. FT. • 3 Bedrooms • 1.5 Bathrooms

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THE COTTAGES

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LUXURY APARTMENT CONDO

360,163

• 1,152 SQ. FT. • 2 Bedrooms • 1 Bathroom

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Artist’s Concept.

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preview registration Lindvest North York – The Brownstones at Westown A new collection of stacked two-bedroom condominium townhomes at Weston Rd. and Sheppard Ave. W. lindvest.com Menkes Etobicoke – Dwell City Towns Coming early this fall, three distinctive collections of urban townhomes in the heart of Etobicoke. menkes.com Arista/Fieldgate/Paradise Kleinburg – Impressions Pre-construction savings for these freehold townhomes and semis, and 30-, 38- and 44-ft. detached homes. impressionskleinburg.com Greenpark/Starlane Mississauga – Churchill Woods Register now for these towns and semis in one of Mississauga’s newest communities. churchillwoods.ca CountryWide Homes Bradford – DreamFields Register now for priority opportunity of singles and towns coming soon. countrywidehomes.ca Ballantry Homes Oakville – Oak Park Register now for this collection of urban townhomes and midrise condominiums. ballantryhomes.com Mattamy Homes Milton – Hawthorne Village On The Escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com

Menkes Etobicoke – Humber Mews Coming soon – townhomes at Browns Line and Evans Ave. menkes.com

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

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

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

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

National Homes Bradford – The Forest Coming soon – 36- and 40-ft. detached homes up to 3,400 sq. ft., with model homes decorated by Pottery Barn. nationalhomes.com

CountryWide Homes Newmarket – Woodland Hills Coming early fall – towns and singles, some with court, ravine and pie-shaped lots. countrywidehomes.ca

Delpark Homes Sutton – Cedar Ridge Coming soon – register now for towns and singles from the upper $200’s. delparkhomes.ca

Brookfield Homes Tottenham – Willow Glen Register now for these towns and singles from the $200’s. brookfieldhomes.ca

Brookfield Homes Uxbridge – Foxtrail Register now for bungalow townhomes from the high $300’s. brookfieldhomes.ca

Bremont Homes Brampton – Crown of Creditview and Nobleton An elite collection of estate homes in two private enclaves, from the $700’s. bremonthomes.com

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

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

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

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

Marydel Homes Beaverton – Seven Meadows Coming soon to Beaverton – enjoy smalltown living in this collection of detached bungalows and two-storey homes. marydelhomes.com

Decade Homes Toronto – Yorkdale Village Register now affordable townhome living near Yorkdale Shopping Centre. yorkdalevillage.com

Amacon Mississauga – The Towns at Parkside Village Register now for these townhomes starting from the mid $500’s. thetowns.ca

CountryWide/Greenpark/ Royalcliff/Starlane/Townwood Brampton – Gates Of Countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca

Ballymore Homes/Briarwood Homes Sutton – Jubilee Coming soon to Sutton – singles on 36-, 40and 50-ft. lots from the $300’s. myjubilee.ca

Monarch Corporation Ajax Coming soon to Ajax – 40-ft. designs. Discover a lifestyle infused with nature. Register now! monarchgroup.net Fieldgate Homes Markham – Victoria Manor Coming soon – register now for luxury singles on 40-ft. lots in a prestigious neighbourhood at Woodbine and Major Mackenzie. fieldgatehomes.com

Rosehaven Homes Mount Albert – Victoria Highlands Coming this November – 50-ft. detached bungalows and two-storey homes up to 3,600 sq. ft. rosehavenhomes.com Tribute Communities Nobleton – Gates of Nobleton Coming soon to Nobleton – extra deep lots, luxurious detached homes on 50-, 60- and 70-ft. lots. mytribute.ca

novEmber 9 - 23, 2013 | New home guide GTA 125

ADVERTISERINDEX ACORN HOMES - Oak Knoll

CANPAGES - Promo

ARISTA HOMES - Goddard on the valley

CHINESE HOME & CONDO GUIDE - Promo

ARISTA HOMES - IMPRESSIONS

COUNTRY WIDE HOMES - Corporate

ARISTA HOMES - Jefferson Forest

DELPARK HOMES - Cedar Ridge

ARISTA HOMES - The New U

DUNPAR HOMES - Heritage Gate

109

ARISTA HOMES - Vaughan Valley Estates ASPEN RIDGE HOMES - Corporate

34-35

IFC

110

EMSATEC CANADA INC. - The Brownstones 5

FAMILY OF MAGAZINES - Promo

124

ASPEN RIDGE HOMES - Credit Manor Heights

FIELDGATE HOMES - BlueSky Stouffville

Insert, 25, 27

ASPEN RIDGE HOMES - Kettle Lakes Club

FIELDGATE HOMES - IMPRESSIONS

Insert, 25, 45

ASPEN RIDGE HOMES - King Country Estates

FIELDGATE HOMES - Jefferson Forest

25, 47

ASPEN RIDGE HOMES - King Oaks

FIELDGATE HOMES - Potter’s Bend

Insert, 25

ASPEN RIDGE HOMES - Kleinburg Hills

FIELDGATE HOMES - Rivers Edge

Insert, 25

ASPEN RIDGE HOMES - Upper Cornell

FIELDGATE HOMES - The New U

Insert, 25, 39

BALLANTRY HOMES - Cornell

FIELDGATE HOMES - Valley Lands

BALLANTRY HOMES - Spring Valley Village

FIELDGATE HOMES - Vaughan Valley Estates

BALLANTRY HOMES - The Neighbourhoods of OAK PARK

FIELDGATE HOMES - Victoria Manor

Insert, 25

Insert, 25, 34-35

Insert, 25

BALLYMORE HOMES - Jubilee

FOREST HILL HOMES - Cornell Rouge

BALLYMORE HOMES - Mill Street Village

FOREST HILL HOMES - Derry Village Mississauga

BRIARWOOD HOMES - Briarwood Estates

FOREST HILL HOMES - Jefferson Forest

BRIARWOOD HOMES - Jubilee

GERANIUM HOMES - Cardinal Point Downtown Stouffville

BRIARWOOD HOMES - Mill Street Village

GRAND ALARMS - Grand Alarms

BROOKFIELD HOMES - Fieldstone

GREAT GULF HOMES - King Oaks

BROOKFIELD HOMES - Grand Central

GREAT GULF HOMES - Mount Pleasant

BROOKFIELD HOMES - Pathways

HEATHWOOD HOMES - Hampshire Mews

126 NEW HOME GUIDE GTA | NOVEMBER 9 - 23, 2013

43 & 75

107

22-23

103

LAKEVIEW HOMES - Greenbrook Village

PRIMONT HOMES - Castlemore

LAKEVIEW HOMES - The Forest of Lyndebrook

PRIMONT HOMES - Centretown

LEBOVIC HOMES - Bovaird Trail

PRIMONT HOMES - Corporate

117

PRIMONT HOMES - Harmony

PRIMONT HOMES - Heirloom in Markham

PRIMONT HOMES - Renaissance Townes

LEBOVIC HOMES - Old Taunton in Pickering LIFESTYLE COMMUNITIES - Promo MADISON HOMES - Cornell Rouge

11 & 43

MADISON HOMES - Greensborough

MADISON HOMES - Jefferson Forest

MADISON HOMES - Thornhill

MARYDEL HOMES - Seven Meadows

ROSEHAVEN HOMES - Corporate

SCHWARZ LAW LLP - Barristers & Solicitors

SHOPPING GUIDE - Promo

77 SPALLACCI HOMES - Eden Park

MATTAMY HOMES - St. John Forest

28-29

102

8-9

MATTAMY HOMES - The Preserve

MENKES - Bloom Park Towns

6-7

MENKES - Dwell city town

6-7

MENKES - Humber Mews

6-7

MENKES - Millstone On The Park

6-7

MENKES - Somerset

6-7

MENKES - The Enclaves of Upper Canada

6-7

MONARCH CORPORATION - Corporate

IBC

ST. REGIS HOMES - Mission Hill on Bayview

STARLANE HOME CORPORATION - BlueSky Stouffville

STARLANE HOME CORPORATION - Churchill Woods

STARLANE HOME CORPORATION - The New U

TIFFANY PARK HOMES - The Estates of Spring Valley

36, 37

TIFFANY PARK HOMES - Valleybrooke Estates

TIFFANY PARK HOMES - Westhaven

TREASURE HILL HOMES - Accolades

TREASURE HILL HOMES - Aurora Woods on Bayview

MOSAIK HOMES - Corporate

MOSAIK HOMES - Kleinburg Crown Estates

TREASURE HILL HOMES - Nautica at Lakeshore Woods

ONE OF A KIND CHRISTMAS SHOW AND SALE - Nov 28 - Dec 8

TREASURE HILL HOMES - Thornhill Woods

PARADISE HOMES - IMPRESSIONS

TRIBUTE COMMUNITIES - Gates of Nobleton

PARADISE HOMES - The New U

TRIBUTE COMMUNITIES - Model Home Of The Month

118

NOVEMBER 9 - 23, 2013 | NEW HOME GUIDE GTA 127

fundamentallyspeaking

Buying your first home?

Four tips to help guide your decision

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

by Wayne Karl

While experts suggest you take a long-term view when buying a home, it’s also important to not look too far down the road. Let’s be honest, your first home may not be your dream home, and your needs and desires are sure to change throughout the various stages of homeownership. So, while the answers to the above questions are specific to circumstances, there are also some common guidelines you can follow. 01 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. Experts also suggest you “stress-test” your plan to see how well you could cope with higher mortgage payments brought on by rising interest rates.

When you’re buying your first

home, you are sure to be filled with many important questions. How much can you afford? How much will it all cost? Where do you really want to live, and can you afford the area? And, finally, what type of home do you want? The answers are very individual: it really depends on your situation – from the amount of your down payment to where you work to whether you have kids to other personal circumstances. For your enjoyment while you live in your home, as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal, and ultimately its value. After all, those are the qualities potential buyers look for when searching for a home; the more of them your house has when you go to sell, the more it will be attractive to a greater number of people. 128 New home guide GTA | novEmber 9 - 23, 2013

02 How much will it really cost? Another common homebuyer mistake is not being prepared for all the closing costs involved: lawyer fees, land transfer taxes, utilities, insurance, and home inspection and appraisal fees and insurance. All of these costs add up, and ultimately should factor into your overall home-shopping budget. 03 Where do you want to live? This question is becoming more important for a number of reasons, though influenced primarily by where you work, how much of a commute you want and whether your transportation options include mass transit or only driving. Indeed, especially with gas prices on the rise, proximity to mass transit is something more and more people are looking for in their new home location. It may not be as simple as choosing to live in the city, suburbs or a small town. 04 What type of home do you want? Once you have determined your options for cost and location, you can then assess what types of homes are available in your price range and desired neighbourhood: Singlefamily detached, semi-detached, townhome, duplex or condo? 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.

mattamyhomes.com

To Experience The Elegance Of The Preserve, Tour Our 4 New Model Homes. Our 4 Model Homes are an expression of the superb homes available in this prestigious Oakville community. These are homes that instantly demand your full attention. They reflect the high degree of fit and finish you will find in every home in The Preserve. Our Model Homes will fulfill your expectations for a premiere Oakville address. The Preserve is a labour of love for us because this is where we live. Come for a tour of our 4 new Model Homes and then view the floor plans of our collection of Homes to find the one that best suits your family’s wants and needs.

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Presentation Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Model Home Hours: Monday - Thursday 1pm-7:30pm; Friday 1pm-5:30pm; Saturday, Sunday and Holidays 11am-5:30pm LIKE US ON FACEBOOK www.facebook.com/mattamyhomesGTA All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.