BC New Home Guide - January 2013

January 11 - 25, 2013 Volume 21 Issue 01

inside this issue

HOT COMMUNITIES: WHERE TO BUY IN 2013

HOW TO AVOID HITTING YOUR DEBT CEILING

IS A VARIABLE RATE MORTGAGE FOR YOU?

A rare opportunity to be part of

History.

Display Home

GranD openinG PRIO

T RS

Saturday

Join us for our Display Home and Sales Centre Grand Opening and be the first in line for these distinctive homes. Historic 1907 architecture blends seamlessly with stately modern interiors — refined urban living, in the heart of Commercial Drive.

VENABLES ST

Historically inspireD townHomes 3 Bedroom Homes from the low 600’s

WOODLAN D DR

CHARLES ST

previews by private appointment CLARK DR

This is not an offering for sale. Any such offering may only be made with a Disclosure Statement. E. & O. E.

jeffsresiDences.ca 604.558.1907 TER

MIN

AL A VE

marketing by:

VICTORIA DR

WILLIAM ST

SALSBURY DR

HeritaGe manor resiDences 1+2 Bedroom Apartments from the low 400’s

COMMERCI AL DR

Feb 9, 2013 Strathco na Park

now previewinG

single fa mily homes VISIT OUR WEBSITE AT: foxridgeliving.ca

SALES TAX REDUCTION IS HERE NOW! NO NEED TO WAIT UNTIL APRIL 1, 2013 CO UR GO SE LF VI EW S

1A

FROM $680’S AS

168A ST

78 AVE

ER

HW

T

78A AVE 170 S

168 ST

FR

SURREY GOLF COURSE

OPEN DAILY (except Friday) Y

Noon to 5pm 7797-170 Street, Surrey 778-574-2550 links@qualicogroup.com

SH OWNE W HO M ES

David Ave

ed

David Ave

anada

PHASE 3 NOW SELLING FROM LOW $700’S OPEN DAILY Noon to 5pm

Hw y

Trans C

Kingston St

he

Galloway Ave Fifeshire St

1

ug

Coast Meridian Rd

Lo

Coast Meridian Rd

COQUITLAM CENTRE

3479 Galloway Avenue, Coquitlam Hw y

778-285-6299 burke@qualicogroup.com

EX LO CL CA US TIO IVE N

SHOW HOME OPEN FROM $830’S OPEN DAILY Noon to 5pm 16092-28A Avenue, Surrey 604-560-1053 morgan@qualico.com

4 metro vancouver new home guide | january 11 - 25, 2013

january 11 - 25, 2013 | metro vancouver new home guide 5

BUILDING BETTER HOMES From deliberating every detail and making the most of every inch to creating beautiful street appeal, our obsession with design is evident in each home we build.

EMERSON AVAILABLE THIS JANUARY

RILEY

ELIZABETH

FROM $349,900*

DOORS NOW OPEN

*Please ask us for details. Prices are subject to change. E.&O.E.

WEST COQUITLAM 604.936.9300

BURKE MOUNTAIN, COQUITLAM 604.552.1402

BURKE MOUNTAIN, COQUITLAM 604.468.7688

PORT COQUITLAM 604.469.8988

WESTSIDE, VANCOUVER 604.877.1722

METROTOWN, BURNABY 604.435.5565

DOMINION FIRST TIMERS – SAVE $10K*

ROXTON

METRO

AVAILABLE THIS JANUARY

FINAL 6 HOMES

See the design-driven difference.

Visit a MOSAIC Home Store or

mosaichomes.com

LOVE THE WAY YOU LIVE LIVE THE WAY YOU LOVE

24 ECO-FrIEnDLY SIGNATURE rESIDEnCES

nOW SELLInG

60 Ave

152 St

148 St

64 Ave

SALES CEnTrE

144 St

Open 1-5pm daily (except Fridays) 14877-60 Ave, Surrey 604 760 7672

932 sq.ft.

Two Bed Two Bath

STArTIng FrOm

259900

$

InCLUDIng

nET HST

LUMINALIVING.COM

E M HOPEN OW O SH OW N

stArtING FroM thE hIGh

600’s

$

FEAturING GEothErMAL hEAtING AND CooLING

Coronation Park

8 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

PrICEs ArE subjECt to ChANGE. E.&o.E.

Sales Centre: 5920–184th Street Open 1-5 pm daily (except Fridays)

604.760.7672

FR A 184 ST

Imagine a place where your kids can see their grandparents more often.

Imagine entertaining guests in a stylish outdoor living room with a cosy gas fireplace. Cadence features all of this with four bedrooms and den, plus a two bedroom legal suite in 3,400 – 3,700 sq.ft. of wide open space.

176 ST

WIDE oPEN INtErIors.

LuXurIous outDoor LIVING.

SE R

HW

60 AVE

HWY 10

CADENCELIVING.CA

Y

% LD! 0 8 SO R E Y OV EAD R AL

Downsize Without Compromise.

AFFORDABLE, 3-bed 1,952 Sq. Ft. townhomes from just $409,900* COURSE-SIDE, MASTER ON MAIN 2-bed + loft townhomes from just $499,900*

Walk to your morning tee time. Meet friends for lunch at the clubhouse.

Enjoy low maintenance living close to Fleetwood’s best amenities allowing you to do the things you want to do rather than the things you have to.

With the well-appointed townhomes at Vantage, you can experience the convenience of a main floor master bedroom, the comfor t of hardwood floors, luxurious granite counter tops, and the course-side location you’ve always wanted. Own one of our popular, 3-bedroom 1,952 sq. ft. townhomes with full size driveway from just $409,900 * or our limited collection 2-bedroom, master on main townhome with 2 nd floor loft and golf course views from $499,900 * .

Life never looked so good. Visit VantageLiving.ca or follow us on Facebook / VestaProperties

This is not an offering for sale. Any such offering can only be made by way of disclosure statement. E. & O.E. *Price includes HST.

contents JanUary 11-25, 2013

||

PAGE 70

Fundamentally speaking: Mortgage essentials

volUme 21 issUe 01

cover story

p.16

PANORAMA STATION Rediscover community

20

special features 12

editor’s note

20

hot commUnities

Surrey and South Surrey

by Susan M Boyce

40

proJect profile

hot commUnities

Langley and Fraser Valley

by Susan M Boyce

46

BUyer profile

Nikita and Jason at Toccata: a passion for South Surrey

by Susan M Boyce

54

Highcrest at Fraser Heights – new view on style

by Susan M Boyce

44

51

hot commUnities

Vancouver, Richmond, North Vancouver and Burnaby

by Susan M Boyce

58

hot commUnities

Coquitlam and North Fraser Valley

by Susan M Boyce

2013 oUtlook

Homebuying in the year ahead

by Susan M Boyce

010-011 VAN Contents_JY-WK.indd 10

1/8/13 4:43:12 PM

vice-president, wall2wall media

Jacqueline Hill

director of sales, western canada

Josh Heppner

ACCOUNT EXECUTIVEs

David Bird 604.319.7102 Brenda Everitt 604.319.7103 editor-in-chief, National real estate

58

Susan Legge Editor

Wayne Karl

60

art director

Julie Yoo

production manager

Bala Gnanapandithan graphic designer

Alexander Yakubovich production co-ordinator

Laura Northmore editorial WRITER

Susan M Boyce CONTRIBUTING editorial WRITER

Janine Mackie

sales coordinators

Ranee Pal (on leave), Justin Salvador national account manager Western Canada

Frank Franco 778.847.9311

national account manager Eastern Canada

Maureen O’Byrne 416.784.5200, ext.3349 national account manager, mediative

homebuyers’ help

in the news

district maps

Paul Slizys

60 quick tips

28 bmo

14 Surrey

Published by

Start the new year by freeing yourself

by Hellen Buttigieg

64 The mortgage minute

Is a variable rate mortgage right for you?

by Peter Kinch

70 fundamentally speaking Mortgage options: learning as much as you can is time well spent

by Wayne Karl

76 Listing directory

Complete listings of more than 250 new-home developments throughout Vancouver and the Lower Mainland

010-011 VAN Contents_JY-WK.indd 11

Tips to avoid hitting your personal debt ceiling

38 organizing

Resolve to get organized in 2013

Langley

48 South Surrey White Rock

52 Burnaby 56 Tri-Cities 62 Pitt Meadows Maple Ridge

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

The Vancouver New Home Guide is a free publication published 25 times per year. Submit articles or advertising to Suite W020 4664 Lougheed Highway Burnaby, BC V5C 5T5 Phone 604.519.6080 Fax 604.519.6088

68 Richmond covers the contents of this publication and prevents reproduction in whole or in part: offenders will be prosecuted.

We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The views and data expressed by columnists do not necessarily represent those of the publication.

Copyright 2013

1/8/13 4:43:23 PM

editor’snote

New home experience

Make wise choices and enjoy the process

W

hen only a new home will do, those in the market will be pleasantly surprised by the exceptional value and attention to detail a new home offers.

When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint.

If you’ve always fantasized about buying a brand new home, here are a few tips that can help you make the process a pleasant one: ›› Shop the mortgage market to see what you can afford before you start your hunt; ›› Obtain a lawyer who is willing to review your offer as well as help you close the home; ›› Don’t be persuaded by high pressure sales tactics while you’re out shopping; ›› Determine which options and upgrades you want as part of your offer and ensure your lender will finance what’s required, if needed; ›› To save money, consider which upgrades you could purchase and install yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do before construction.

Factors such as the cost of the home, neighbourhood, lot size and special features play a big role in your final decision. Determining which features your new house absolutely must have, and which features you could live without, should be among your first steps in the home-buying process.

We hope you enjoy this issue of New Home Guide. Let us know what you think! We’d love to hear from you.

Susan Legge EDITOR-IN-CHIEF Wall2Wall Media,Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Resolve to plan carefully in 2013 Still-low rates provide homebuyers with an opportunity to buy, but not at any cost

T

he last couple months of 2012 were certainly interesting – simultaneous talk of slowdowns and soft landings in some markets, increases, upticks and value gains in others. Indeed, now more than ever, housing and economic conditions serve as reminders of how local real estate is. What’s going on in one part of the country or province or in a specific property type, may be completely different from another.

On the positive side are interest rates that are still at or near historic lows, with the next Bank of Canada rate announcement to come Jan. 23. Many experts don’t expect rates to begin rising until mid-year at least, while cautioning that Canadians should not confuse cheap money – if they qualify – with free money. The BoC continually keeps a close eye on household debt and other signposts for any warnings we’re taking on more debt than we should.

Your best strategy as a prospective homebuyer? Meet with your broker or banker to see how you can take advantage of these opportunities, without getting in over your head.

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

12 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

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EE MO K DE EN L D HO S FR ME O O M P 1 - EN 4P M W

BLANC is a collection of eight 3 bedroom and 3 bedroom plus den townhomes. These modern homes feature roof decks with fireplaces, overheight ceilings, open Oak staircases, glass walls, polished concrete floors, carrara marble baths with Hansgrohe and Duravit fixtures and custom kitchens with Miele and Liebherr appliances. All this in a “North of 4th” Kits location for that ideal West SUNSET BEACH Coast lifestyle.

3+ BEDROOMS ROOF TOP DECKS STARTING IN THE 1.2’s VANIER PARK

HADDEN PARK

KITSILANO BEACH PARK

CORNWALL AVE

1887 WEST 2ND AVENUE VANCOUVER, V6J 1J1

RE/MAX KEN LEONG

WEST 2ND AVE BURRARD ST

W 4TH AVE

CYPRESS ST

BLANC YEW ST

VINE ST

BALSAM ST

LARCH ST

MOVE IN NOW 604 600-8790

BLANCMODERN.COM january 11 - 25, 2013 | metro vancouver new home guide 13

NEW HOME BUYERS GUIDE Client: KLM Marketing / The Airey Group Project: Blanc Modern

Surrey / Langley 116th Ave

d rR no ve os r G

112nd Ave

A4

104th Ave

Green Timbers Urban Forest Park

Tynehead Regional Park

Golden Ears Bridge

96th Ave

Bear Creek Park

A1 A22 1a

A24

A18

64th Ave

A6 A19

A21

A7 61A

A10

60th Ave

A15 A25 A20 A13 A11

A9 A14

10

A23

A2

B1

64th Ave

LANGLEY BYPAS S

A3

B2

B4 RD

176TH ST

99a

208th St

A5 72nd Ave

B6 B5

G LO VE R

A8

200th St

192nd St

188th St

168th St

160th St

152nd St

144th St

A12

72nd Ave

58TH AVE

B3

80th Ave

128th St

112th St

120th St

80th Ave

A16 56TH AVE

56TH AVE KI N G

Serpentine Fen Nature Reserve

GEORGE B LVD

10

Gra de Rd

FRA SER HW Y

48th Ave

40th Ave

Surrey

99 A9. Uptown Clayton Village

A17. Enclave at Boundry Park

A2. Sunset Grove 6520 194th St.

A10. Cambridge Park

A18. Hillcrest

A3. Cadence 5920 184th St.

A11. La Rue

A19. Canvas

A4. Bishop Creek 15788 104 Ave.

A12. Vantage

A5. Clayton Heights

A13. Clayton Rise

A1. Encore

8433 164th Street 604-716-9506

604-532-7711

604-760-7672

604-588-0005

7310 - 191B Street 604-723-4497

A6. Madison

14356 63A Ave. 604-543-6262

A7. Sequoia

14838 61st Ave. 604-575-7366

A8. The Links

7797 170 St. 778-574-2550

19525 73rd Ave. 778-574-0146

14955 60th Ave. 604-535-9633

19180 65th Ave. 604-575-2263 7830 170th St. 604-579-0247

68th Ave. & 195A St. 778-278-0030

A14. Sun 72

195th & 72nd Ave. 604-575-8806

A15. Allegro

7121 192nd St. 604-574-5415

A16. Highlands at Sullivan Ridge 6085 - 146 St. 778-565-7768

14 metro vancouver new home guide | january 11 - 25, 2013

12775 63 Ave. 604-657-3709

64th Ave. & 188th St. 604-575-5569

Panorama at 142 & 64th Ave liveatcanvas.com

A20. One 92

6685 192nd St. 604-576-1772

A21. Panorama Woods 6123 138th Street 778-593-9954

A22. Silverwood

84th Ave. & 164th St. 604-953-0288

A23. Salix

6477 196th Street 604-530-0054

A24. Boardwalk Townhomes

7090 - 180th Street 604-506-1852

A25. The Grove 68th Ave. & 194 St. 604-533-6968

A26. Rockwood

16241 - 84th Ave 604-503-1188

Langley B1. Virtue 20187 68th Ave. 604-534-6800

B2. Nature's Walk 20966 77A Avenue 604-888-8370

B3. Yorkson South 21110 80th Ave. 778-785-1673

B4. Milner Heights: Seasons 208th & 72nd 604-539-9484

B5. Outlook 8 250 209B St.

604-888-8778

B6. Red Maple Park 7938 - 209th St. 604-888-8699

240th St

A26

A17

B8

88th Ave

88th Ave

Watershed Park

96 th Av e

216th St

FR AS ER HW Y

Gl ov er Rd

96th Ave

232rd St

SF ras er

104th Ave

216th St

Wa y

12 0th

St

108th Ave

Surrey/langley

january 11 - 25, 2013 | metro vancouver new home guide 15

coverstory

Panorama Station REDISCOVER COMMUNITY

by Susan M Boyce

I

nspired by community, driven by design, Panorama Station is a place where all life’s good things seem to come together.

And with construction now well under, the first phase of this 82-home community in Surrey’s Sullivan Station neighbourhood is already showing its thoughtful character.

Homes are tucked neatly between the many mature trees scattered throughout the sloped site. Roadways have a pleasing, gentle curve and open feeling, as if they’re simply waiting for local kids to set up a spontaneous game of street hockey. The entire ambiance is one of lush, green tranquility.

FAMILY LIFESTYLE “Panorama Station is all about family and community,” says sales manager Swarn Johal. “We’re a family-run development company that’s been in business for over 30 years. All of us live, work and play here. We’ve all seen how much this area has grown and flourished, which is why we’re choosing to raise our families here.”

Clearly, others feel the same way. In barely a month, eight Panorama Station homes have been snapped up by a diverse range of families. Some, Swarn says, were smitten with the finishings – details like solid maple cabinetry, hardwood laminate flooring in a choice of hand-scraped brown or urban charcoal grey, cosy electric fireplace, and luxurious ensuites with an eye-catching yet low maintenance surround in textured white “waves.”

Others liked the generous, open-concept floorplans. “These homes start at 1,328 sq. ft. and go up to 1,761 for our end-unit Plan A,” Swarn explains.

“Plus in addition to your yard, every home has a front porch and a rear deck.

16 metro vancouver new home guide | january 11 - 25, 2013

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1/8/13 4:43:40 PM

Panorama Station’s overall density is also much lower than other developments.

SWARN JOHAL And where the slope allows it, some even have a walk-out basement patio.” Plan A, she adds, has also proved popular for its side-by-side garage and bonus, lower level flex-space – just the thing for a media room, teen’s hangout or man cave.

“Panorama Station’s overall density is also much lower than other developments,” Swarn stresses. “Typically, you’ll find projects like this have 22 or more homes per acre. By keeping our density to only 16.8, everything feels more open.

Even the boulevards are wider so it feels more elegant and spacious.”

EDUCATION AND RECREATION Then there’s Panorama Station’s proximity to… well, everything. Starting with schools. “Sullivan Elementary is considered one of the best in Surrey,” Swarn says, pointing down the road. “When the kids get older, there’s Sullivan Heights Secondary and Bell Centre for the Performing Arts just behind those trees, and you’ve got two campuses of Kwantlen University within a mile.” How’s that for getting the little grey cells working for your whole life?

For outdoor activities, Panorama Station is a winner. You’re minutes from the extensive facilities at YMCA, the sheer fun of Goldstone Water Park, cycling trails and golf. And be sure to plan on summer picnics at the beaches of White Rock.

Mind you, right at home you’ll be able to enjoy a spectacular 2,698-sq.-ft. amenities building overlooking Panorama Station’s private, central park. Named Sam’s Clubhouse after the company’s founder, this comfortably appointed gathering space is poised to become the centrepiece of the community. “You’ll be able to entertain large groups in the lounge/kitchen area, there’s a yoga room, and this area could be used as a board room or library,” Swarn says indicating each space on the floor plan. Then she gives what looks remarkably like a wink. “I actually really enjoy poker, so I think this round table would be great for cards.”

SOLID INVESTMENT “This is a great time to be buying a home,” Swarn stresses. “Sure, I talk to people who are concerned about the HST, but when you actually do the calculations, it makes no difference whether you purchase now or after we return to GST/PST. All you have to do is google ‘HST Calculators’ and you can see the numbers for yourself. And since we are delivering our first homes in April, only GST will be applicable, but buyers can still lock into today’s low, low mortgages rates. When you look at everything together, it just makes sense to buy now.”

The Panorama Station sales centre is open noon to 5 p.m. daily expect Fridays at 5957 - 152nd St. in Surrey. Priced from $299,900. And with strata fees starting at $115 per month, qualifying for a mortgage just got easier. Be sure to watch for the February opening of their two, fully furnished display homes. But why wait?

Buying now means a chance to secure not just the best locations, but some very special introductory pricing as well. For more information, call 604.372.2275 or visit panoramastation.com 17

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18 metro vancouver new home guide | january 11 - 25, 2013

hotcommunitiesfor2013

Surrey and South Surrey

by Susan M Boyce Great recreation, a progressive outlook to business, plus some

outstanding values in housing, Surrey is officially become a force to be reckoned with. No longer the brunt of tasteless jokes, this south of the Fraser River city consistently attracts more than 1,000 new residents every month and is rapidly emerging as BC’s second true urban centre.

Here’s a selection of some of the communities that showcase why Surrey is an increasingly desirable, sophisticated place to call home.

Private rooftop decks and an enviable Kits location at Blanc in Vancouver.

Where possible we’ve included WalkScore ratings from walkscore.com, which rate communities in terms of walkability and proximity to amenities such as shops, eateries and other desirable urban features. It’s important to note such ratings are only one criteria buyers should use to assess prospective properties.

20 metro vancouver new home guide | january 11 - 25, 2013

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Abbey Road: South Surrey Townhomes On the street: 2469 – 164th St. On the Web: abbeyroadliving.com Info: 604.542.0660 WalkScore: 45 Bottom Line: From less than $400,000 Perks & Quirks: Georgian architecture and easy access to White Rock, the U.S. border and Morgan Creek Golf Course.

Blu: South Surrey Townhomes On the Street: 15988 – 32nd Ave. On the Web: bluliving.ca Info: 604.782.5258 Bottom Line: From $599,900 Perks & Quirks: Across the road from Morgan Creek Golf Course. Now selling Phase Two.

Bluetree Homes at Bishop Creek: Guildford Townhomes On the Street: 15788 – 104th Ave. On the Web: bluetreehomes.ca Info: 604.588.0005 WalkScore: 48 Bottom Line: From $329,900 Perks & Quirks: Red brick accents, private garages, plus great outdoor spaces. Adjacent to Harold Bishop Elementary School and Bishop Creek.

Breeze: South Surrey Townhomes Presentation Centre:

15 – 16223 – 23A Ave. On the Web: adera.com Info: 604.582.1113 WalkScore: 70 Bottom Line: From $319,900. Limited time offer: up to $10,000 in free options.

Perks & Quirks: Across the street from Morgan Crossing and only minutes from Crescent Beach and the Semiahmoo Trail. Onsite club dedicated to health and entertainment.

Cadence: Cloverdale Townhomes On the Street: 5920 – 184th St. On the Web: cadenceliving.ca Info: 604.760.7672 WalkScore: 43 Bottom Line: From the high $600,000s Perks & Quirks: Geothermal heating/cooling.

Four bedrooms and den with 3,400 to 3,700 sq. ft. of wide open space, plus a two bedroom legal suite.

Cambridge Park: Panorama Townhomes On the Street: 14955 – 60th Ave. On the Web: cambridgeparkhomes.ca Info: 604.535.9633 WalkScore: 45 Bottom Line: From the high $200,000s Perks & Quirks: Next to Cambridge Park School and sports fields, these homes blend timeless design, modern functionality and upscale finishings.

Canvas: Panorama Surrey Townhomes On the Street: 142nd St. and 64th Ave. On the Web: liveatcanvas.com WalkScore: 38 Bottom Line: From the mid $300,000s Perks & Quirks: Located across the street from an elementary school, these threebedroom townhomes offer more than 1,400 sq. ft. of contemporary living space.

Clayton Heights: Cloverdale Townhomes On the Street: 19110 – 73rd Ave. On the Web: legendaryliving.ca Info: 604.723.4497 Bottom Line: From $519,900 Perks & Quirks: One of Surrey’s last developments to offer legal coach houses – makes a great mortgage helper or in-law suite.

Clayton Rise: East Clayton Townhomes On the Street: 19505 – 68A Ave. On the Web: claytonrise.com Info: 778.278.0030 WalkScore: 47 Bottom Line: From $296,900 (as little as $646/month) Perks & Quirks: Onsite 5,500-sq.-ft. clubhouse with fireside lounge, games room, movie theatre, fitness centre and outdoor pool.

Highcrest: North Surrey Townhomes On the Web: highcrestliving.com Perks & Quirks: The first townhouse development in the Fraser Heights neighbourhood. Access to the Pacific Academy private school, Guildford Town Centre and an adjacent 853-acre natural preserve crisscrossed with walking trails.

Highlands at Sullivan Ridge: Panorama Single-Family On the Street: 6085 – 146th St. On the Web: marathonhomes.ca Info: 778.565.7768 WalkScore: 38 Bottom Line: From $679,900 Perks & Quirks: Two-storey, four-bedroom homes plus fully finished basement.

Close to excellent schools, parks, and commuter routes. january 11 - 25, 2013 | metro vancouver new home guide 21

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Morgan Heights: South Surrey SingleFamily Homes On the Street: 16092 – 28A Ave. On the Web: morganheightsliving.ca Info: 604.560.1053 WalkScore: 50 Bottom Line: From the $830,000s Perks & Quirks: Located in sunny Morgan Creek. Spectacular finishings and eye-catching architecture, including optional outdoor kitchens/barbecue patios Niche: South Surrey Townhomes On the Street: 3039 – 156th St. On the Web: liveatniche.ca Info: 604.535.5551 WalkScore: 42 Bottom Line: Three-bedrooms from $369,900 Perks & Quirks: Steps to the Morgan Creek Golf Course and the shops at Morgan Crossing.

on this page top

Sleek and sophisticated kitchens at Niche bottom

Life is all about style at One92 on opposite page left

Sequoia has a familyfriendly outlook and big backyards for play and entertainment right

A kid-sized, twostorey treehouse keeps youngsters entertained at the Panorama Woods presentation centre

La Rue: Clayton Heights Townhomes On the Street: 19180 – 65th Ave. On the Web: liveatlarue.com Info: 604.575.2263 WalkScore: 63 Bottom Line: From $299,900 Perks & Quirks: Like the French “la rue” meaning “the street,” this is a community where you can get to know your neighbors, where kids play freely, where food and memories are shared.

Madison: Sullivan Heights Townhomes On the Street: 14356 – 63A Ave. On the Web: madisonhome.ca Info: 604.543.6262 WalkScore: 37 Bottom Line: From $309,000 Perks & Quirks: Easy access to schools, recreation facilities and the Bell Centre for the Performing Arts. Move-in ready.

One92: East Clayton Townhomes On the Street: 6655 – 192nd St. On the Web: one92homes.ca Info: 604.576.1772 WalkScore: 58 Bottom Line: Carriage homes and condos from $179,900 Perks & Quirks: Diverse selection of floor plans including apartments, carriage homes and townhomes.

Panorama Station: Sullivan Station Townhomes On the Street: 5957 – 152nd St. On the Web: panoramastation.com Info: 604.372.2275 WalkScore: 50 Bottom Line: From $299,900 Perks & Quirks: Onsite clubhouse with lounge, fitness centre and lots of outdoor socializing spaces. Strata fees starting at $115/month. Grand opening event scheduled for Feb. 2.

22 metro vancouver new home guide | january 11 - 25, 2013

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1/8/13 4:44:20 PM

Panorama Woods: Panorama Townhomes On the Street: 6123 – 138th St. On the Web: panoramawoods.ca Info: 778.593.9954 Bottom Line: From $319,900. Ask about the grand opening promo.

Perks & Quirks: Innovative iPad station lets you design your home from the ground up.

Check out the presentation centre’s twolevel children’s playhouse.

Pier 16: South Surrey/ White Rock Rowhomes On the Street: 16228 – 16th Ave. On the Web: pier16.ca Info: 604.542.1616 WalkScore: 33 Bottom Line: Three-bedrooms from $369,900 Perks & Quirks: Contemporary interiors and a breezy, West Coast ambiance. Move in ready. Upgraded kitchen appliances.

Final phase.

Salix: Clayton Heights On the Street: 6477 – 196 St. On the Web: salixliving.com Info: 604.530.0054 WalkScore: 68 Bottom Line: From $159,900.

Perks & Quirks: Every home includes a private storage garage that’s perfect for sports gear or seasonal items.

Silverwood: Fleetwood Townhomes On the Street: 84th Ave. and 164th St. On the Web: silverwoodliving.com Info: 604.953.0288 WalkScore: 50 Bottom Line: From the low $300,000s Perks & Quirks: Named after an extraordinary silver maple tree located in the centre of the property.

Sequoia: Sullivan Heights Townhomes On the Street: 61st Ave. and 148th St. On the Web: sequoialiving.ca Info: 604.575.7366 WalkScore: 38 Bottom Line: Three-bedrooms from $329,900 Perks & Quirks: Family-oriented living near the YMCA, schools and the Bell Centre for Performing Arts. Big, big back yards. Amenities building includes kids’ crafts room.

Sun at 72: East Clayton Townhomes On the Street: 19477 – 72A Ave. On the Web: sun72.ca Info: 604.575.8806 Bottom Line: From $294,900 Perks & Quirks: Distinctive, 21st century angularity with a playful interweaving of textures. A great alternative to condo living at the same price.

23

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The Belcroft: South Surrey Townhomes On the Street: 15977 – 26th Ave. On the Web: belcroftliving.com Info: 604.568.8830 WalkScore: 63 Bottom Line: From $599,9000 Perks & Quirks: Duplex and four-plex townhomes (some with master on the main floor) featuring floor-toceiling fireplaces, wide-plank engineered wood flooring and private fenced yards. Across the street from Southridge Junior/Senior School.

The Grove: Cloverdale Townhomes On the Street: 194th St. and 68A Ave. On the Web: thegroveatclayton.com Info: 604.533.6968 WalkScore: 42 Bottom Line: Register for updates Perks & Quirks: Presentation centre and showhomes coming this spring. Two-, three- and four-bedroom plans.

Adjacent to the City of Surrey’s Greenway System.

The Heights: South Surrey Townhomes On the Street: 2845/55 – 156 St. On the Web: theheightshomes.ca Info: 778.545.8737 WalkScore: 55 Perks & Quirks: Hilltop townhomes near Morgan Crossing, the White Rock Beach Promenade, Softball City and multiple golf courses.

The Links: Surrey Single-Family Homes On the Street: 7797 – 170th St. On the Web: linksliving.ca Info: 778.574.2550 WalkScore: 32 Bottom Line: From the $680,000s Perks & Quirks: Nestled beside the Surrey Golf Course, these homes feature open floorplans, luxuriously high ceilings and glass walls for outstanding natural light.

24 metro vancouver new home guide | january 11 - 25, 2013

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The Encore at Maple on 164th: Fleetwood Townhomes On the Street: 8433 – 164th St. On the Web: legendaryliving.ca Info: 604.716.9506 WalkScore: 55 Bottom Line: From $399,800 Perks & Quirks: Final phase now selling. Most remaining homes back onto Encore’s central courtyard – a lavishly landscape, outdoor amenity where neighbours can relax and socialize.

Toccata: South Surrey Townhomes On the Street: 2929 – 156th St. On the Web: toccatacollection.com Info: 604.535.5088 WalkScore: 43 Bottom Line: Final sell-out prices from $379,900 Perks & Quirks: Elegant, two-bedroom homes located just south of Morgan Creek Golf Course and a five-minute walk from Morgan Crossing.

Vantage: Surrey Single-Family and Townhomes On the Street: 170 Ave. and Fraser Hwy. On the Web: vantageliving.ca Info: 604.579.0247 WalkScore: 30 Bottom Line: From $415,900 Perks & Quirks: Overlooking the picturesque Willow’s Nine fairway at the Surrey Golf Club. Don’t forget to allow time for lunch at the clubhouse after your visit.

Wills Creek: Morgan Heights Townhomes On the Street: 3109 – 161st St. On the Web: willscreek.ca Info: 604.542.8971 Bottom Line: From $549,000 Perks & Quirks: Final phase now selling. Big and bright to give the feel of single-family with the lock ’n’ go convenience.

on opposite page top

Open concept, single-family living at The Links on this page bottom

Vantage homes feature vaulted master bedrooms and a spectacular golf-side location

25

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1/8/13 4:44:42 PM

SURREY/LANGLEY

Ya, we’re pretty excited too.

Go ahead and get excited about the choices you’ll make in your new space. Introducing a collection of central and spacious three bedroom townhomes with over 1440 sq. ft. of modern living to fill with the memories you create.

Get ready to create a home you’ll love.

3 bedroom townhomes priced from the

s

300’

MID $

CoMIng Soon to Panorama at 142 St & 64 Ave

Register now at

liveatcanvas.com 26 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

Canvas is currently not an offering for sale. E.&O.E. Sales and Marketing by Fifth Avenue Real Estate Marketing Ltd.

SURREY/LANGLEY

Finalist for 5 Prestigious Georgie Awards including Best Townhouse Development.

FIRST TIME HOME BUYER? This is your last chance to take advantage of the $10,000 government bonus* here at Nature’s Walk. Call for details.

Great Central Location!

Spacious Private Rear Yards

Double Car Garage

Main Floor Powder Room

Kids Can Walk To School

Spacious Open Concept Homes

208 St

w w w.natureswalklangley.com 604.888.8370 • 20966 77a Avenue Open Noon – 5pm Everyday (Except Fridays)

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STARTING FROM THE LOW $300’s

80 Ave 77a Ave

Prices and incentives are subject to change or be withdrawn without notice. Conditions apply to the government bonus. See sales representative for details. E&.O.E. Sales and Marketing by Fifth Avenue Real Estate Ltd.

JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 27

inthenews

Tips to avoid

hitting your personal debt ceiling The deadline is approaching next

“Establishing a household budget that includes a debt repayment plan and accounts for other priorities and financial goals such as savings is essential.”

month for the United States to come up with an agreement to raise the $16.4-trillion debt ceiling. The outcome may have wide ranging consequences with the potential to have a significant impact on the global economy and stock markets.

While putting its financial house in order is a top priority for administrations, it should also be top of mind for consumers and their financial affairs.

The BMO Household Debt Report shows that 25 per cent of Canadians are debt-free, however 41 per cent say that they have taken on more debt in the past five years as a result of increased spending.

“While debt is a part of life for the majority of Canadians, it doesn’t have to be a permanent fixture,” says Nancy Marescotti, director, BMO Bank of Montreal. “Establishing a household budget that includes a debt repayment plan and accounts for other priorities and financial goals such as savings is essential.”

BMO Bank of Montreal offers the following five tips to avoid hitting your personal debt ceiling: » Don’t overspend - Spend less than you make.

Develop a budget that establishes how household expenses will be paid and how spending will be managed. Take advantage of free online tools to help stay on top of everyday household spending and saving.

- Pay down credit cards, beginning with those that carry the highest interest rate, and consider using a low rate card for purchases. » Manage credit card debt

- Set up a Tax Free Savings Account (TFSA) or high interest savings account to set aside extra cash in case of an emergency. Currently, the BMO Smart Saver account offers a 1.2 per cent interest rate – the highest rate offered among Canada’s major financial institutions for a full-service savings account, without minimum balance requirements. Also consider using Exchange Traded Funds to reduce management expense fees. » Invest to save

» Become mortgage free faster - Cutting your

amortization and increasing monthly payments on mortgages can help you pay down your mortgage faster while saving you thousands of dollars in interest costs. Additionally, consider increasing the frequency of your payments and/or making lump sum payments to pay down your mortgage faster. » Have a Plan B - Develop a fall back plan in case

you are unable to meet your financial obligations as a result of unexpected circumstances, such as loss of work, or damage to personal property, such as your home or vehicle.

28 metro vancouver new home guide | january 11 - 25, 2013

028 News BMO Tips_JY-WK.indd 28

1/8/13 4:44:52 PM

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visit www.sunmarkdevelopments.com JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 31

SURREY/LANGLEY

32 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

Green space for all.

The Grove is a welcome addition to an already vibrant, established enclave in Clayton Heights — 141 spacious parkhomes nested around a forested inner courtyard, flanked on three sides by greenways and gorgeous public parks.

Families of all sizes will appreciate this community for years to come, thanks to its intelligent design, single-family feel, extraordinary amenities and easy walkability.

Don’t forget about the generous Clubhouse space — all 9,100 square feet!*

2, 3 & 4 bedroom parkhomes coming soon

Register now 604.533.6968

www.thegroveatclayton.com

*Includes shared Clayton Rise amenity. This is not an offering for sale. Any such offering can only be made with a disclosure statement. E&O.E.

A collaborative Development by

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34 metro vancouver new home guide | january 11 - 25, 2013

SURREY/LANGLEY

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JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 35

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36 metro vancouver new home guide | january 11 - 25, 2013

CLIENT: Portrait Homes Ad FILE NAME: Portrait_PANORAMA_NHBG.indd

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inthenews

Resolve to get

organized in 2013 After the big glittery ball has dropped and

resolutions are made, the difficult part begins. To achieve success, observers suggest we break down our resolutions into smaller, more feasible goals. Think short-term.

For example, it is well-known that every year, one of the most popular resolutions is to become more organized. This can sometimes feel overwhelming, so here are some simple solutions from The Home Depot Canada to clear and conquer the clutter in your home: Organize your front foyer

This space sets the tone for first impressions. Think about stashing useful items such as gloves, hats, scarves and pet supplies in decorative fabric bins. These are easy to label, and make it easy to find items with just a glance. If you do not have a closet in your entry way, invest in a simple shelved console table where you can store your organized items for easy access. A multi-purpose shelf with mounted hooks for sweaters, jackets and coats is essential to keeping your no closet foyer pristine.

De-clutter your kitchen pantry

A functional pantry is the key to a functional kitchen. Creating a working pantry can be a big challenge depending on your cooking routine and habits. Take measurements of your space and purchase wire baskets or locking plastic containers to categorize your various ingredients according to your needs. Hang bins inside of the pantry door for popular foods. Not only will this be a time saver, but will also optimize your pantry space.

Conquer your bedroom closet

When assessing whether or not a new home is financially realistic, remember that housing costs (including mortgage payments, utilities and taxes) should not take up more than one-third of your total household income.

Bedroom closets often fall victim to being a dumping ground for items without a “home.� As you de-clutter, sort items into the following categories: keep, donate, recycle and trash. For the items you do keep, the closet configurator is not only a simple solution, but also an affordable one. With so many options available for a variety of sized spaces, adjustable shelving systems will accommodate your changing needs.

By following these simple suggestions you will not only have the tools for organizational success but also be able to check off that New Year’s resolution without the guilt of past years. More tips on home organization are available online at homedepot.ca or at a store in your neighbourhood. NC

38 metro vancouver new home guide | january 11 - 25, 2013

038 News-Resolve to get organized in 2013_JY-WK.indd 38

1/8/13 4:44:55 PM

SURREY/LANGLEY

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JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 39

projectprofile

This is definitely something people have been waiting for.

JUSTINE ALLENBY

Highcrest at Fraser Heights New view on style

by SUSAN M BOYCE

I

t’s a first for Fraser Heights: sophisticated townhomes with West Coast contemporary architecture, amazing views and spacious floorplans. Introducing Highcrest at Fraser Heights.

“This is the first townhome development in this neighbourhood and it’s definitely something people have been waiting for,” says Justine Allenby, sales manager at Highcrest.

Outstanding location One of those rare, prestigious neighbourhoods that’s tucked away and intimate yet has an undeniable vibrant diversity.

Highcrest is located between Hwy. 1 and the Fraser River just east of the Port Mann Bridge.

It’s home to the much sought after Pacific Academy private school, the

newly renovated Fraser Heights Recreation Centre and an 853-acre natural preserve criss-crossed with walking trails.

It’s minutes from Guildford Town Centre, offers outstanding access to transit and transportation routes, and has a friendly, family-oriented feeling that’s making it a hit with savvy buyers looking for a place where they can set down roots.

“This is such a strategic, convenient location,” Justine says. “People often don’t realize just how easy it is to access the freeway or get to Vancouver from here.”

Evolving master plan Buyers are delighted by this new opportunity to be part of an evolving new neighbourhood. When complete, the 15-acre Highcrest master-planned community will change all that by

providing contemporary townhomes, condominiums and retail in a villagestyle setting.

The fi rst release of 80 three- and four-bedroom homes is already creating a flurry of interest with its spacious floorplans (1,400 sq. ft. on average and as much as 3,000 sq. ft. in some homes) and exquisite finishings. “These homes will feel like single-family houses,” Justine says rapidly listing off just a few of the features – vaulted ceilings, 10-ft. windows and gourmet kitchens with pantries and large islands. The result is a collection of warm, modern spaces representing an affordable, lock ’n’ go alternative to single-family living.

Views, she stresses, are going to be amazing. “The site will be extensively terraced and buildings oriented to maximize views while maintaining a sense of privacy and tranquility. From here, you’ll be able to see the North Shore Mountains, Fraser Valley, and the Golden Ears Bridge. The integration of a natural setting with urban living is going to be fantastic.”

Don’t miss out. Highcrest’s initial offering is only 80 townhomes. Be sure to register early so you’re one of the first to learn more. For more information visit highcrestliving.com

40 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

040 PP Highcrest at Fraser Heights_AY-WK.indd 40

1/8/13 5:26:30 PM

SURREY/LANGLEY

E L E VAT E D L I V I N G C O M E S T O P R E S T I G I O U S F R A S E R H E I G H T S

The first release of Highcrest, a new master planned village, features a signature collection of contemporary townhomes. Enjoy spacious open plans, thoughtful details, oversized windows, on-site amenities and spectacular views overlooking the Fraser River and beyond to the West Coast Mountains.

Striking the perfect balance between urban convenience and nature, this is the first community of its kind to come to Fraser Heights in over 20 years. Don’t miss this rare opportunity to live luxuriously in this

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JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 41

10305 High Crest Living Teaser print ad FINAL JAN72013.indd 1

1/7/2013 12:08:33 PM

hotcommunitiesfor2013

Langley and Fraser Valley

by Susan M Boyce Look for development to continue strong and diverse throughout

Langley, especially in the ever expanding Willoughby and Yorkson neighbourhoods. Schools, shopping and outdoor living attract young families. Lots of educational opportunities for learning, too – whether you’re starting out, starting over or simply love to learn something new.

And keep your eye on Abbotsford, where increasing employment opportunities and new housing is capturing homebuyers’ attention.

Where possible we’ve included WalkScore ratings from walkscore.com, which rate communities in terms of walkability and proximity to amenities such as shops, eateries and other desirable urban features. It’s important to note such ratings are only one criteria buyers should use to assess prospective properties.

Luna: West Abbotsford Townhomes On the street 30748 Cardinal Ave. On the Web mylunahome.com Info 778-895-LUNA (5862) WalkScore 43 Bottom Line From $299,900 Perks & Quirks Bring your real world furnishings because these homes are big – most are well over 2,100 sq. ft. One of the few new townhome developments in West Abbotsford.

Nature’s Walk: Willoughby Townhomes On the street 20966 – 77A Ave. On the Web natureswalk.ca Info 604.888.8370 WalkScore 68 Bottom Line From the low $300,000s Perks & Quirks Natural creek, pedestrian walkways and bridges meander through the property. A brand new elementary school located just across the street.

Outlook: Townhomes Neighbourhood Willoughby/Yorkson On the street 8250 – 209B St. On the Web outlookliving.com Info 604.888.8778 WalkScore 68 Bottom Line Two bedroom plus den from $279,900 Perks & Quirks Located off a quiet residential street, yet with easy access to all Langley’s fabulous amenities – parkside living in a picturesque setting.

Red Maple Park: Willoughby Langley Townhomes On the street 7938 – 209th St. On the Web polyhomes.com Info 604.888.8699 Bottom Line From $289,900 Perks & Quirks Final phase now selling.

Membership in The Maples Club – 8,400 sq. ft. of resort-style amenities, including outdoor terrace/pool, fitness studio, theatre room, indoor playground and fireside lounge.

Woodcroft: Walnut Grove Single-Family Strata On the street 217th St. and 88th Ave. On the Web woodcrofthomes.ca Info 604.534.6000 WalkScore 53 Bottom Line $549,900 Perks & Quirks Detached rancher homes featuring master on the main, stone counters, gourmet kitchens, fully fenced backyards and side-by-side garages.

Lock ’n’ go convenience. Adjacent to Redwoods Golf Course.

York: Langley Townhomes On the street 7298 – 199A St. On the Web yorkliving.ca Info 604.568.3385 WalkScore 72 Bottom Line $299,900 Perks & Quirks Now selling phase two.

Red Maple Park in Langley’s popular Willoughby neighbourhood.

Yorkson South: Willoughby/Willowbrook Single-Family On the street 211th St. and 80th Ave. On the Web benchmarkhomesltd.com (Benchmark Homes), rab.ca (RAB), yorksonsouth.com (Penta) Info 778.298.5380 or 604.571.6400 for Benchmark Homes, 604.533.3491 for RAB or 604.533.3491 for Penta Perks & Quirks Three premium builders combined to bring you one great neighbourhood of gracious rowhomes and single-family houses. Seven showhomes now open.

44 metro vancouver new home guide | january 11 - 25, 2013

044 Hot Communities-Langley_JY-WK.indd 44

1/8/13 4:45:15 PM

2013outlook

Homebuying in the year ahead get set for 2013

by Susan M Boyce Did you hear it? Mixed in with the cheering, fireworks and singing of Auld Lang Syne, many gave a long sigh of relief as the clock struck midnight on Dec. 31, thus marking the end to 2012.

It’s been a year filled with challenges, changes and yes, controversy. BC’s voters made their choice about the HST, the world did not end on Dec. 21, and in the Lower Mainland we enjoyed a late but record-breaking summer. Now, as we take a look ahead to the upcoming year, most industry insiders and experts predict that while 2013’s housing market is unlikely to be dazzling, it is likely to be steady and stable overall.

This issue, New Home Guide looks at some of the broad stroke trends anticipated for the year that’s just begun.

Get Where You’re Going Access to rapid transit is the undisputed leader of hot amenities for 2013. “Transit is coming of age,” says Bill Szeto, associate vice-president for new business development with Colliers International in Vancouver. “People are making a conscious decision to cut their carbon footprint, so projects located along SkyTrain corridors will continue to do well.”

He points to the success of Marine Gateway as one example, but there are plenty more coming: Wave and 3 Civic Plaza in Surrey, SOLO District and Station Square in Burnaby and, of course, the burgeoning development around the Evergreen Line Station in Burquitlam.

Car co-ops are also expected to continue ascending the popularity ladder in 2013, as developers hone in on how reducing – or in some cases eliminating – onsite parking for private vehicles can be an acceptable way to increase affordability. Michael Geller, president of The Geller Group, notes it’s a matter of achieving critical mass: the more municipalities and developments that participate, the more cost effective it becomes for consumers to rely on alternatives like Car2Go or Zipcar. And since owning a vehicle typically involves having a monthly car payment, there’s direct impact on the mortgage amount a homebuyer qualifies for.

Translation: ditch even one car, qualify for a higher mortgage.

Value in the Burbs Expect the ’burbs to continue strong in the coming year. It’s a simple value equation. “What can you get for $300,000 in downtown Vancouver? A studio suite in an older building?” says

01

02

Christy Edmonds, director of sales with Fairborne Homes. “On the other hand, in areas like South Surrey or the Tri-Cities, you can often get a brand new, three-bedroom home for the same amount. Yes, if you work downtown you might be travelling over a toll bridge, but the difference in the price of your new home is a fraction of those costs.”

Get Off the Fence Like others in the industry, Edmonds predicts the trend to quick possession of move-in ready inventory will continue into 2013 – no matter what city people choose to call home. “Buyers are out there, and people get to the point where they just aren’t willing to sit on the fence any longer hoping prices will go down. We’re seeing a definite increase in the number of very fast closings –

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03

ugly section of his “The Good, The Bad and The Ugly” list, stressing that despite the ongoing negative press surrounding Premier Clark, BC currently leads the nation in job creation.

Chrystal also expressed deep concern about the upcoming HST transition. “I believe it’s going to get ugly for two simple reasons. First of all, I don’t understand (all the nuances) – and I’m in the business. So what’s a buyer to think? And second, the simple, easy to understand tax credit for first-time homebuyers ends on April 1. A $10,000 credit is a very big thing to a first-time buyer – I’m certainly lobbying the government to extend it.”

Embrace the Lifestyle Not surprisingly, lifestyle and convenience are expected to become ever more integrated with the home buying decisions of 2013.

“Boomers especially want to have the luxuries they couldn’t afford while they were paying off their university loans or raising their families – things like granite counters and gourmet kitchens,” says Lynn Harrison, president of Harrison Marketing. “And while a townhouse or condo may be a bit smaller than the single-family house they’ve gotten used to, the convenience of lock ’n’ go living is becoming more and more desirable as a selling feature.”

04 01 B reeze brings Adera’s Westcoast-inspired townhomes to South Surrey.

02 Nature’s Walk in Langley has sophisticated interiors and a lush, natural site with mature trees and an existing brook.

03 B urke Mountain Heights offers single-family homes with spectacular views and outdoor patios spacious enough to add a full outdoor kitchen.

04 V antage’s single-family and townhomes provide unparalleled living adjacent to the fairways of one of Surrey’s most popular golf courses.

sometimes only a week or 10 days after the deal goes firm.”

Craig Anderson, Executive Group’s director of marketing and sales, is one of many who believe consumers who act quickly in the first quarter of the year will also still have some time to reap the benefits of creative incentives offered by developers looking to differentiate their project. “After price, the most frequent question we’ve been hearing is: what are your incentives?” he says. “I’ve seen incentives like the chance to win a car, $10,000 decorating allowances and strata fees paid for a year. At the Residences at West, we chose to pay 10 per cent interest on deposit – buyers liked that.”

Talking About the ‘E’ Word In a marked departure from the past few years, the always touchy subject of politics was not universally avoided in discussions about the year ahead. The consensus? From developers and builders to financial gurus and number crunchers, construction insiders are concerned about the upcoming provincial election.

Speaking at a recent Greater Vancouver Home Builders’ Association seminar, Neil Chrystal, president and CEO of Polygon Homes, included the possibility of an NDP government in the

Carpe Diem Still, as always, the final question remains: is now a good time to buy a new home? Most in the industry answer with an emphatic yes. Mark Belling, president of Fifth Ave Real Estate Marketing, is one of them.

His reasons are many. “We’re living in the lowest interest rate environment in anyone’s history,” he begins. “We live in the one of the world’s most beautiful, most livable regions – and that’s not just my bias but is confirmed by experts all around the globe.

Plus, right now, you have time to shop and compare among more new home options than anytime I can remember. If you find 12 different homes you like, you can take your time and eliminate ones that don’t make the cut, zeroing in on the ones that do.”

However, Belling does add a cautionary note – this window of opportunity won’t last much longer. “During December, I met with six well-known, well respected economists, and they all expressed a common theme: expect the current buyer’s market to gradually shift to a seller’s market in the second half of 2013.

Affordability will be further dampened with the expectation of higher interest rates in the second half of 2013. And I expect 2014 will lead the typical cycle of inflation – higher home prices, greater costs of living, as well as higher interest rates.

“If all this holds true, buying now makes a lot of sense,” Belling stresses. “Not only do you have choice, you’ll likely end up owning the near perfect home, at the lowest mortgage interest rates of your life. But the longer you wait, the fewer choices you’ll have. So why wouldn’t you buy new and buy now?”

And so, Happy New Year to all, and happy house hunting. Stay with us as we continue to bring you updates and insights in every issue. Here’s to finding the home of your dreams in 2013. january 11 - 25, 2013 | metro vancouver new home guide 47

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184th St

176TH ST

168th St

152nd St

WY

Serpentine Fen Nature Reserve

South Surrey / White Rock d tR cen s e Cr

40th Ave

99a

99

32nd Ave

Crescent Beach / Blackie Spit

3

5 10 9

4

Ma rine Dr

15

10th Ave 8th Ave

8th Ave 1

South Surrey / White Rock

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48 metro vancouver new home guide | january 11 - 25, 2013

184th St

16th Ave

176TH ST

152nd St

140th St

148th St

Y

128th St

W

16th Ave

H GE OR GE

16th Ave

24th Ave

11

G KIN

20th Ave

7

24th Ave

South Surrey Athletic Park

26th Ave

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24th Ave

8

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Crescent Park

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JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 49

METRO VANCOUVER EDITION | FREE

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NIKITA AND JASON AT TOCCATA

A passion for South Surrey

by SUSAN M BOYCE Jason and Nikita have plenty of room to showcase her paintings at their new home in Toccata.

IT’S TRUE THAT NIKITA IS USING HER

car less these days, but there’s one drive she’ll never forget. “I was out running a few errands and just happened on Toccata,” she says. “My boyfriend, Jason, and I had been looking at townhouses for about a month, but this was the first one I’d seen on my own, and it was love at first sight.”

The layout was perfect. “This plan is an end unit, so every room has lots of windows, meaning it’s always bright,” she says with a bubbly enthusiasm. Jason agreed, and although the couple did check out a few more homes before making their fi nal decision to purchase, they say nothing else could stand up to the quality and attention to detail they found at Toccata.

Artistic by design “Even little things, like where they put the light switches, made it clear the builder was really cognizant of how people live and where you’d want to put your furniture and other stuff,” Nikita explains.

Having plenty of wall niches to showcase

“Being a first-time buyer, I was so hesitant. I really wanted to make sure this was the right decision… and it was.” Nikita

her art was another bonus. “Right now, I work in the mutual funds field, but I’ve been painting since I was 13,” she says, adding that one day she hopes to become a full-time artist. For now, though, she says buying brand new has been “like having an entire blank canvas for our home. The first things we did when we moved in were open a bottle of wine and hang some of my pictures.”

Exceptional location, great value Nikita does admit that originally the couple was looking for something closer to downtown Vancouver where she works. “But the value simply isn’t comparable. We’d have been lucky to get a 30-year-old apartment in Vancouver for what we paid here at Toccata for a brand new townhome.”

And then there’s Toccata’s setting. “We’re tucked away in a quiet neighbourhood, they’ve kept so many of the existing trees, and we love knowing there won’t be a through-road to 32nd Ave. – even though we’re still just few minutes walk to Morgan Crossing,” Nikita says. “Plus having the nature path running behind all the townhomes is a huge benefit – you’d be amazed how many people you meet there walking their dogs or just going out for a walk.

Being a first-time buyer, I was so hesitant. I really wanted to make sure this was the right decision… and it was.

For more information about Toccata, visit toccatacollection.com JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 51

051 BP Nikita and Jason at Tocatta_AY-WK.indd 51

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BURNABY / NEW WESTMINSTER Barnet Marine Park

BARNET HWY

iver sit y Dr W Un

G ag

Royal Oak Ave

Willingdon Ave

Burnaby Lake Regional Park

Can ada

Deer Lake Deer Lake Park

Royal Oak Ave

Gilley Ave

Nelson Ave

Patterson Ave

h 6t th 10

e Av

h 8t

St

Southridge Dr Ma eD rin

MARIN E WAY

E ST

WA RD SON W AY

r

Duncan St

A3. Aviara

A2. Bloom

A4. Casa de Oro

1710 Gilmore Ave 604-291-9130

9350 University High Sreet 604-320-3386

7533 Gilley Avenue (at Royal Oak) 604-436-1100

Sales Centre 530 - 526 Clarke Road 604-939-8808

52 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

Aug.17 2012

7.625”x1.625”

Ledingham McAllister

CMYK

NHBG Banner Ad Redesign

Legacy Sans

Boundary Rd

BURNABY

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St yd Ewen Bo e Av

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BOUNDARY RD

BCIT

Cla rke Rd

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North Rd

Sperling Ave

Grey sto ne D r

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Holdom Ave

Brentwood Mall

Burnaby Mountain Golf Course Broadway

49 t h

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HASTINGS ST

A3

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INL ET DR

Confederation Park

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hotcommunitiesfor2013

Vancouver, Richmond, North Vancouver and Burnaby

by Susan M Boyce

Private rooftop decks and an enviable Kits location at Blanc in Vancouver.

Get them while you

can when it comes to townhomes in Vancouver, because opportunities are limited… but exciting. And savvy developers are creating some increasingly sophisticated floorplans to keep you intrigued.

Where possible we’ve included WalkScore ratings from walkscore.com, which rate communities in terms of walkability and proximity to amenities such as shops, eateries and other desirable urban features. It’s important to note such ratings are only one criteria buyers should use to assess prospective properties.

Blanc: Kitsilano Townhomes On the street 1891 West 2nd Ave. On the Web blancmodern.com Info 604.600.8790 WalkScore 92 Bottom Line From $1.2 million Perks & Quirks Private rooftop decks with gas fireplace, two-car garage with concrete and steel door storage room, marble bathroom flooring, and swivel ceiling potlights for highlighting artworks.

Casa de Oro: Burnaby On the street 7533 Gilley Ave. On the Web thind.ca/casa Info 604.436.1100 WalkScore 60 Bottom Line Three- and four-bedrooms from $499,900 Perks & Quirks Halfway between two SkyTrain stations and two major shopping areas – Metrotown and HighGate. In the catchment area for two elementary schools plus South Burnaby High.

Jeffs Residence: Townhouses on The Drive On the street Salsbury and Charles St. On the Web jeffsresidences.ca Info 604.558.1907 WalkScore 100 Bottom Line Three-bedroom townhomes from the low $600,000s: manor-style apartment homes from the low $400,000s.

Perks & Quirks Historic 1907 architecture blends seamlessly with stately modern interiors. Truly a unique opportunity to live in The Drive neighbourhood.

METRO: Burnaby Rowhomes On the street Beresford and Burlington Presentation Centre 6857 Royal Oak On the Web mosaichomes.com Info 604.435.5565 WalkScore 77 Bottom Line $439,900 Perks & Quirks Debut of MOSAIC’s new Saltbox-inspired architecture – a contemporary interpretation of the simple yet elegant style popularized along the eastern coast during the 17th and 18th centuries.

Northlands: North Vancouver Townhomes On the street 3300 Mount Seymour Parkway Presentation Centre 118 – 3650 Mount Seymour Parkway On the Web ntiving.com Info 604.800.2120 WalkScore 43 Perks & Quirks Backs onto Northlands Golf Course and minutes to Deep Cove.

A rare opportunity to purchase a brand new townhome in North Vancouver’s Seymour Parkway neighbourhood.

River Walk: Vancouver Townhomes On the street 3179 E Kent Ave. N On the Web polyhomes.com/riverwalk Info 604.438.2858 WalkScore 45 Bottom Line From $688,000. Ask about the $19,000 Life on the River Package.

Perks & Quirks The first, executive townhomes in River District. Striking “saw-tooth” rooflines, brick façades and natural fir details.

The Pier at London Landing: Steveston Master Planned Community Presentation Centre 12235 No 1 Rd. (Re/ Max Westcoast Steveston Real Estate) On the Web thepierlifestyle.com Info 604.274.7326 WalkScore 90 Perks & Quirks Rare opportunity to own a riverfront home in historic Steveston.

54 metro vancouver new home guide | january 11 - 25, 2013

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burnaby/new westminster

$469,900! move for sp in ring! gst* o nly!

*Subject to qualifications

january 11 - 25, 2013 | metro vancouver new home guide 55

Park w

Blvd

ay

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Bl

eau Plat

Coquitlam / Port Coquitlam / port moody

He rita ge Mo Town un tai Centre Lan n Shoreline Park Bl sdo v Park d wn eD Pioneer r Memorial Rocky Point Inlet Park Park Park Coquitlam BARNET HWY Centre ST JOHNS ST Dewdney Trunk Rd

Dav id A ve

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LOU GHE ED H WY

sy St

Shau g h ne s

Y

Daw es H ill Rd

Mariner Way

Austin Ave

LOUG HEED HW

Linton St

Mundy Park

e r David Ave. Coast Meridian R i vand ser Fr a 604-880-1880

A2. Solo

David Avenue & 34th 604-878-7656

RY MA

Sales Centre 618 Langside Ave. 604-939-8808

A7. Wynwood

3395 Galloway Ave. 604-942-2239

A4. Northbrook

A9. Foothills

A5. Southview

Coast Meridian Rd & Horizon St. 604-533-3491

56 metro vancouver new home guide | january 11 - 25, 2013

SS PA BY L HIL

A6. Bloom

A8. Hazel

3431 Galloway Ave. 604-468-2212

Dominion Ave B1

LO UG HE ED

Colony Farm Regional Park

A3. Burke Mountain

Heights 1342 Fifeshire St. 778-285-6299

Kin gs wa yA ve

Dewdney Trunk Rd

Coquitlam A1. Cedar Creek

HW Y

Unit B - 901 Lougheed Hwy 778-829-1500 Coast Meridian Rd. 604-472-9320

A10. Farrington Park

Coquitlam Burke Mt 604-464-7985

port coquitlam B1. Dominion

Ford Rd

Dewdney Trunk Rd

HW Y

Harris Rd

A8

Como Lake Park

Mundy St

Austin Ave

Gatensbury St

Blue Mountain St

Cla rk eR d North Rd

mal Dr

Smith Ave

LO UG HE ED

2423 Avon Place Pitt Meadows 604-469-8988

Meadow Gardens Golf Course

Hammond Rd

Airport

S Bonson Rd

Prairie Ave

Harris Rd

Y

Lincoln Ave Coast Meridian Rd

HW

A6

Dr

Victoria Dr

The r

Como Lake Ave

ia or ct Vi

Cedar Dr

ET

Johnson St

BA R N

A5

A1 A7 A10 A4 A9 A3 A2

Ottawa St

David Ave

Coast Meridian Rd

Pin etr ee Wa y

Ridge Park

Golden Ears Bridge

Coquitlam/Port Coquitlam/port moody

january 11 - 25, 2013 | metro vancouver new home guide 57

hotcommunitiesfor2013

Coquitlam and North Fraser Valley

by Susan M Boyce Coquitlam and the North Fraser Valley continue

to attract buyers looking for exceptional access to outdoor recreation, a casual lifestyle and affordable homes. As transit and commuter route get faster and more convenient, these municipalities are developing their own unique character while preserving their historic charms.

And leading the way is Burke Mountain where you can now find everything from starter townhomes to estate manors.

Where possible we’ve included WalkScore ratings from walkscore.com, which rate communities in terms of walkability and proximity to amenities such as shops, eateries and other desirable urban features. It’s important to note such ratings are only one criteria buyers should use to assess prospective properties.

Bloom: Burquitlam On the Street: 530 – 526 Clarke Rd. On the Web: liveatbloom.com Info: 604.939.8808 Bottom Line: From mid $200,000s WalkScore: 80 Perks & Quirks: One block to the new Evergreen Line. Every home includes a garden plot.

Bluetree at Kanaka Creek: Maple Ridge Townhomes On the Street: 11176 Gilker Hill Rd. On the Web: bluetreehomes.ca Info: 604.476.1188 Bottom Line: Three- and four-bedrooms from $304,900 Perks & Quirks: Outstanding mountain views. Adjacent to Kanaka Creek Elementary School.

Burke Mountain Heights: Single-Family Residences On the Street: 3479 Galloway Ave. On the Web: burkemountainheights.com Info: 778.285.6299 Bottom Line: From the low $700,000s Perks & Quirks: Phase three now selling.

Exceptional features include spacious decks, optional outdoor kitchen and views to Mount Baker and the Fraser Valley.

Farrington Park: Burke Mountain Townhomes On the Street: 1338 Hames Cresc.

On the Web: polyhomes.com Info: 604.871.4470 WalkScore: 72 Bottom Line: Three-bedrooms from $369,900 Perks & Quirks: English Cotswold-style architecture adjacent to Galloway Park’s playground, basketball court, picnic tables and water park.

58 metro vancouver new home guide | january 11 - 25, 2013

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on opposite page left

Single-family lifestyle at Burke Mountain Heights includes expansive kitchens and dramatic views on this page above left

Farrington Park introduces English Cotswold-style architecture adjacent to Galloway Park on Burke Mountain above right

ROXTON showcases the unique style found in every MOSAIC home

Hampstead at Silver Ridge: Maple Ridge Single-Family Homes On the Street: 13555 – 232nd St. On the Web: portraithomes.ca Info: 604.466.9278 Perks & Quirks: New floorplans plus even more greenspaces, natural parklands and superior finishing details than you’ve come to expect from this award-winning masterplanned community by Portrait Homes.

RILEY: Burke Mountain Rowhomes On the Street: 1320 Riley St. On the Web: mosaichomes.com Info: 604.468.7688 WalkScore: 83 Bottom Line: From $349,900 Perks & Quirks: Tudor architecture. On the west side is a protected creek, on the east a future community centre and school and on the south, a pedestrian promenade.

Northbrook West: Burke Mountain Townhomes On the Street: 3431 Galloway Ave. On the Web: northbrookliving.ca/west Info: 604.464.4155 Bottom Line: From $359,900 with only seven homes remaining Perks & Quirks: Ideally located across the street from Burke Mountain’s new Galloway Park which includes a water spray park, basketball and hockey courts, plus extensive playground equipment.

ROXTON: Burke Mountain On the Street: 3437 Roxton Ave. On the Web: mosaichomes.com Info: 604.552.1402 Perks & Quirks: Duplex and single-family homes in Coquitlam’s Burke Mountain neighbourhood.

Springside: Kanaka Creek, Maple Ridge Single-Family Homes On the Street: 24207 – 102nd Ave. On the Web: springsidehomes.ca Info: 604.477.2959 Bottom Line: Three-bedrooms from $379,980 Perks & Quirks: First 13 buyers in 2013 qualify for Springside’s Lucky 13 Turn-Key Promotion. january 11 - 25, 2013 | metro vancouver new home guide 59

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quicktips

start the new year by

freeing yourself

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host, author and owner of We Organize U. Visit her website, weorganizeu.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or info@weorganizeu.com

by Hellen Buttigieg

you’ve been procrastinating on, you will find the inspiration to take action.

There is so much buildup at the end of the

year that it can almost feel like a race to the finish line. Then Jan. 1 arrives, the social calendar calms down and the cocooning begins as you prepare to ride out the rest of the winter.

Before you jump right back to everything you were doing before the holidays, take some time to look around and decide what needs to change. Not that you have to go making grand resolutions for the new year – unless that’s your thing – but look at it as an opportunity to free yourself of things that weren’t working for you. Try new methods that may improve your life in little, noticeable ways.

Get clear on the year ahead If setting New Year’s resolutions is not your thing, there’s another way of defining what you’d like your life to look like – create a vision board. Get some magazines, glue and a poster board and start cutting and pasting images that you feel drawn to or that represent something you’d like to be or have in your life. If you would like to learn more about the power of these dream boards, and have a look at some of the ones I’ve created personally, check out my blog post, Creating a Dream Board (weorganizeu.com) End procrastination by knowing your payoff Ever wonder how to motivate yourself to tackle that daunting task you’ve been putting off? Rather than dwelling on the chore itself, turn your attention to how you will benefit once the job is done. If you can come up with two or three compelling ways your life will be better as a result of completing what

Make your ‘someday’ a reality How many times have you wistfully said, “Someday, I’d like to…” It’s interesting how we often procrastinate on doing the things we most want to do. We continue to put it off because something more pressing always seems to come up. But life is short, and habitually putting off doing those meaningful things that bring us joy can literally suck the life right out of us. One thing that I personally find very effective is to catch myself when I say I’d like to do something, and immediately pull out my calendar and schedule it in, even if it’s not for another month or two… or even six. The trick is to allow enough time to prepare for the event in advance and, once the date approaches, treat it as you would any other appointment you’ve booked with someone important – keep it.

Make decisions fearlessly Clutter often represents unmade decisions. Many people struggle with indecision because of the fear of making a mistake (especially perfectionists). It may seem easier to avoid making the decision, but by doing so, you are deciding to procrastinate and remain stuck.

Whenever possible, make decisions as you go along, before they accumulate. Although there’s no guarantee you will make the right decision, you will be taking the option that appears to be the right thing to do at the time. Avoid berating yourself if the outcome is less than you had hoped, and besides, there’s usually some recourse. See it as a great learning experience and move on. One effective decision-making technique is to ask: “What’s the worse thing that can happen if I make the wrong decision?” and “Can I live with that consequence?”

This usually puts the decision into perspective and helps you make it confidently.

60 metro vancouver new home guide | january 11 - 25, 2013

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COQUITLAM/PORT COQUITLAM/PORT MOODY

JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 61

Victoria Dr

HW Y

Ottawa St

Coast Meridian Rd

e

Cedar Dr

Ave

Pitt Meadows / Maple Ridge

Dominion Ave

232rd St

4

Dewdney Trunk Rd

116th

Derby Reach Regional Park

240th St

207th St

Ave 1

Y HW

2. Hampstead at

Silver Ridge 13555 230A St. 604-466-9278

62 metro vancouver new home guide | january 11 - 25, 2013

3. Trails Edge

24185 1068 Ave. 604-805-4669

4. Forest Hills

Dewdney Trunk Rd. & 264th 604-575-5262

5. Springside

24177 102 Avenue 604-477-2959

r Maclure D

104th Ave 5

102th Ave

Jac kso n

ED GHE LOU

Maple Ridge 11176 Gilker Hill Rd. 604-476-1188

110th Ave 108th Ave

Golden Ears Bridge

1. Bluetree Homes

at Kanaka Creek

3

Way aka Kan

240th St

Harris Rd

r Rd Rive

248th St

Dewdney Trunk Rd

227th St 228th St

124th Ave 224th St

216th St

123rd Ave

2

Hammond Rd

Pitt Meadows Airport

S Bonson Rd

Ford Rd

Meadow Gardens Golf Course

203rd St

HW Y

Harris Rd

LO UG HE ED

Dewdney Trunk Rd 210th St

Dewdney Trunk Rd

224th St

e

■ ■ ■ ■ BLACK ■ ■ ■ ■ MAGENTA

■ ■ ■ ■ CYAN ■ ■ ■ ■ YELLOW

PITT MEADOWS/MAPLE RIDGE

Best Planned Community...from coast to coast.

Awarded Best Residential Community 4 times in the last 6 years…visit us today and discover why.

Sales Centre & Displays

N

13555 – 230A St. Maple Ridge Open Every Day: Noon - 5pm

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portraithomes.ca/blog/

COMMUNITIES FOR TODAY...

ABERNETHY WAY

AND FOR YEARS TO COME. ��� ST

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604.466.9278 HampsteadLiving.ca

BUILDING AWARD-WINNING

��� AVE

DEWDNEY TRUNK RD

Sales & Marketing by Coldwell Banker Tri-Tel Realty. This is not an offering for sale. Price excludes taxes. E. & O. E.

JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 63

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themortgageminute

IS A VARIABLE RATE MORTGAGE

right for you?

by PETER KINCH

RECENT CHANGES IN THE MORTGAGE

industry have led to various lenders reducing the discounts they previously offered on variable rate mortgages (VRMs), effectively making VRMs a little less attractive than they were in the past.

Why have lenders increased the cost of taking a VRM in today’s market? Well, the official reason offered by the banks was that there was a lack of liquidity in the markets and the cost of borrowing had increased.

Now, of course, we’ll all have to take their word on that since the average Canadian does not have access to the inner workings of a chartered bank and the true costs of borrowing it incurs.

But I do know one thing for certain, given the limited exposure that I have, is that many lenders had been grumbling for months about the lack of profitability on the variable rate mortgages with such high discounts. In the meantime, what seems to

have been lost in the conversation was the fact that the bond yields had been steadily dropping for months. This, in turn, led to an increase in the profitability on long-term rates.

So while most of the country’s media focused on reporting about the fact the Bank of Canada (BoC) will not likely be moving rates soon, no one was drawing attention to the fact that the banks’ profit margins were steadily rising as the bond yields dropped. Lenders were making significantly more profit on a five-year term than they were selling variable rate mortgages with full discounts.

Let me ask you a simple question: if you were running a business that had two products, and one of them was very profitable and one of them broke even or lost money, which would you promote? The end result is that banks would like you to take a five-year fi xed rate mortgage and are now making it more attractive for you to do so.

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By the numbers – changing spreads and changing guidelines Talking about the price of a five-year mortgage and the spread on the bond yields can be very confusing for the average Canadian. Since most people don’t understand it, the media tends to avoid writing about it. As a result, some glaring discrepancies go unreported and questions remain unasked.

Let’s start with some basics: ›› A bond yield and a bond price have an inverse relationship. Don’t worry about trying to understand that – you simply need to know that if the bond price goes up, the bond yield goes down and vice versa. ›› Canadian banks and lenders use the bond yields to determine their “spread,” or profitability. ›› They like to keep the spread to a certain range. For example, five years ago, the spread would be between 90 and 130. That means you take the five-year mortgage rate (say four per cent) and subtract the current five-year bond yield (say 2.95) and the difference should be between 90 and 130. If the difference is below 90, then that is a signal for banks to raise rates. If it is above 130, then they would lower rates. In the above example, 4.00 – 2.95 = 1.05, so that would indicate the rate is within the comfort zone and therefore not likely to move.

Now let’s look at the way things are today: ›› Let’s assume a five-year bond yield is 1.66 per cent ›› And a typical five-year published mortgage rate is 3.59 per cent ›› 3.59 – 1.66 = 1.93 Based on the numbers that were used five years ago by the chartered banks, a spread of 1.93 would be .63 over the comfort zone – meaning very profitable – and a signal to lower rates (arguably to as low as 2.96 per cent for a five-year term). However, lenders are no longer using the same model for spreads. In fact, due to (and I quote) “the uncertainty in the bond market is forcing a wider than normal margin until investors see some stability return” – the current range that lenders are going by is 1.75 and 1.95. As such, the spread of 1.93 for today’s interest rates is actually at the high end of the comfort zone, but still within range. Some lenders are offering a quick close special of 3.39 per cent, which puts the spread at 1.73 and therefore out of the comfort zone. Any increase in the bond yield will result in those rates increasing, not decreasing.

Suffice to say, it would appear that the banks are making significantly more profit on five-year mortgages today than they did five years ago.

But having said that – they also experienced the global credit crunch of 2008 and saw first hand the impact to global banks when liquidity in the markets disappeared. And although we complain about the profitability of the chartered banks, it was this very fact that made them the envy of the world when their counterparts in other countries suffered. With ongoing credit and financial issues in Europe and the United States, perhaps the Canadian banks are wise to shore up their coffers while they can.

In the meantime, the more investors flock to safe harbours amidst turmoil and uncertainty in the global markets, the more bonds they will buy. The more they buy bonds, the higher the price goes and as such, the lower the bond yields go. Whether this will translate into lower mortgage rates for you is yet to be determined. And while we could argue that the long-term rates could go even lower or in fact that they should be lower, they are still the lowest they’ve been in a lifetime. So, whether you choose to take a variable with a lesser discount or today’s low long-term rate – one thing is certain: rates are low – if you have a mortgage or you’re planning to get one, take advantage of these low rates today and accelerate your debt reduction.

Stability will eventually return to the markets and investors will eventually shift back to equities. When that happens, bond prices will drop, yields will rise and so too will your long term rates.

In the meantime, enjoy them while they’re here.

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 JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 65

064-065 Kinch-Mortgage Minute-Variable Rate-JY-WK.indd 65

1/8/13 4:46:31 PM

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JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 69

fundamentallyspeaking

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

Mortgage essentials IT’S A HOT TOPIC IN A CHANGING LANDSCAPE, SO LEARNING AS MUCH AS YOU CAN IS TIME WELL SPENT

by WAYNE KARL

MORTGAGE INTEREST RATES, STILL AT HISTORICAL

lows and expected to remain so well into this new year, represent a window of opportunity for those looking to buy a home. The mortgage industry is ultra-competitive, lenders often introduce new and otherwise there are But just as important is to products plenty of options for borrowers. also spend as much time as If you could lock in at a low necessary to find a broker or rate over 10 years, for example, banker you trust and who that gives you the comfort of knows their business. knowing what your mortgage payments will be over that period, while over that time you can also take advantage of any pre-payment and lump-sum payment options to pay down your mortgage.

Another appeal of this scenario is that, as we often point out, experts advise you take a long-term view of your home purchase. For example, there is some talk at the

moment about cooling prices and softening sales. But even if that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing – everything from putting down a larger down payment to taking advantage of pre-payment options and even “stress-testing” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

The mortgage market is a complex beast, and as a prospective homebuyer, these are not lessons you’re going to learn overnight – nor do you likely want to. You’re focused on saving a down payment, getting your finances in order, searching potential neighbourhoods, choosing a home and, when buying new, selecting interior finishings.

But just as important is to also spend as much time as necessary to find a broker or banker you trust and who knows their business.

More so than in any other area of homebuying, you’re going to rely on the advice of this member of your team – now more than ever.

It will prove to be time well spent.

70 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

070 FS Mortgage essentials_JY-WK.indd 70

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HOT COMMUNITIES: WHERE TO BUY IN 2013

HOW TO AVOID HITTING YOUR DEBT CEILING

IS A VARIABLE RATE MORTGAGE FOR YOU?

INSIDE THIS ISSUE

UNDERSTANDING YOUR MORTGAGE OPTIONS

HOT CONDOMINIUM COMMUNITIES FOR 2013

NEW AND EXCITING HOME DÉCOR TRENDS

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homebuyers’help

homebuyers’ resource section You love the home, see what you can afford!

Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

73

073-074-075 Homebuyers Resource-AY.indd 73

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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

monthlY PaYment

$

follow these stePs to see If You’ll QualIfY for a mortGaGe on YOUR DREAM HOME

01

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

02

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

03

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

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

05 06

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

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

07

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.

74 METRO VANCOUVER NEW HOME GUIDE | JANUARY 11 - 25, 2013

073-074-075 Homebuyers Resource-AY.indd 74

1/8/13 4:46:47 PM

MORTGAGE PAYMENT calculatIon chart % INTEREST RATES

amortIZatIon PerIods 10 YEARS

15 YEARS

20 YEARS

25 YEARS

3.00%

9.65

6.90

5.54

4.73

3.25%

9.76

7.02

5.66

4.86

3.50%

9.88

7.14

5.79

4.99

3.75%

9.99

7.26

5.91

5.13

4.00%

10.11

7.38

6.04

5.26

4.25%

10.23

7.50

6.17

5.40

4.50%

10.34

7.63

6.30

5.53

4.75%

10.46

7.75

6.44

5.67

5.00%

10.58

7.88

6.57

5.82

5.25%

10.70

8.01

6.74

5.96

5.50%

10.82

8.14

6.85

6.10

5.75%

10.94

8.27

6.98

6.25

6.00%

11.07

8.40

7.12

6.40

6.25%

11.19

8.53

7.26

6.55

6.50%

11.31

8.66

7.41

6.70

6.75%

11.43

8.80

7.55

6.85

7.00%

11.56

8.93

7.69

7.00

7.25%

11.68

9.07

7.84

7.16

7.50%

11.81

9.21

7.99

7.32

7.75%

11.94

9.34

8.14

7.47

8.00%

12.06

9.48

8.28

7.63

8.25%

12.19

9.62

8.44

7.79

8.50%

12.32

9.76

8.59

7.95

8.75%

12.45

9.90

8.74

8.12

9.00%

12.58

10.05

8.86

8.28

9.25%

12.71

10.19

9.05

8.45

9.50%

12.84

10.33

9.20

8.62

9.75%

12.97

10.48

9.36

8.78

10.00%

13.10

10.63

9.52

8.95

10.25%

13.24

10.77

9.68

9.12

10.50%

13.37

10.92

9.84

9.29

10.75%

13.50

11.06

10.00

9.46

11.00%

13.64

11.22

10.16

9.63

11.25%

13.77

11.36

10.32

9.80

11.50%

13.91

11.52

10.49

9.97

11.75%

14.04

11.66

10.65

10.15

12.00%

14.18

11.82

10.81

10.32

12.25%

14.32

11.97

10.98

10.49

12.50%

14.46

12.13

11.15

10.67

12.75%

14.59

12.28

11.31

10.85

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 $300,000 mortgage with a 25-year amortization period at 5% is as follows: ($300,000 รท 1,000) X 5.82 = $1,746 JANUARY 11 - 25, 2013 | METRO VANCOUVER NEW HOME GUIDE 75

073-074-075 Homebuyers Resource-AY.indd 75

1/8/13 4:46:47 PM

BRITISH COLUMBIA’S NEW HOME DEVELOPMENTS PROjECT

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LR

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TH LR SF

604-581-8144 604-590-8003 604-584-2908

From $519,900 From $199,900 From $699,900 incl. HST

SF SF/LR

604-271-7288 604-948-HOME

Call Call

LANGLEY Ascot Athenry Gate Bearing Pointe Cornerstone Elements Flat Iron Focus Hart Milner Heights Seasons Murray’s Walk Nature’s Walk Outlook Red Maple Park Serenade Shaughnessy Mews Suede Varsity Village at Bedford Landing Virtue York Yorkson Creek Yorkson South

SF LR LR LR LR LW TH/LR TH SF SF LR TH TH TH LR TH LR LR LR TH TH LR SF

604-571-6400 604-882-8857 604-530-7011 604-534-6000 604-533-7718 604-888-2793 604-568-3385 604-568-3385 604-539-9484 604-539-9484 604-510-6500 604-888-8370 604-888-8778 604-888-8699 604-635-0643 604-888-4044 604-514-1530 604-539-2200 604-888-2793 604-534-6000 604-568-3385 yorksoncreek.com 778-785-1673

From Low $600’s From $137,500 From $194,900 From $169,900 From $159,900 net HST incl.

Call Coming Soon Coming Soon Call From $599,900 Call Call Call From $289,900 From $309,900 Call From $174,900 From $139,900 From $244,900 From $294,900 From $299,900 From $179,900 From $440,000

High Rise (HR)

Mid Rise (MR)

Low Rise (LR)

Loft (LO)

Representing the best in New Home Sales across the Lower Mainland from Townhomes to Condos.

Homes starting in the $150’s

FIFTHAVE.CA 76 METRO VANCOUVER NEW HOME GUIDE | january 11 - 25, 2013

TYPE

evelopments

The listings included on the following pages are meant to offer a comprehensive overview of those new home developments currently being marketed throughout Greater Vancouver and the Fraser Valley. Pricing is subject to change; you should contact the specific development for current details or special promotions. To report any changes or corrections to this information, please contact our office at 604.519.6080, fax 604.519.6088, or email homes@wall2wallmedia.com P ro j ect

T Y P E contact

P ric E

P ro j e c t T Y P E co n ta c t

MAPLE RIDGE 223 North LR 604-463-0588 From $139,900 Cottonwood Ridge TH 604-351-3261 Call Falcon Centre LR 604-477-1500 Call Forest Hills SF 604-575-5262 Call Hampstead at Silver Ridge SF 604-466-9278 From $459,900 Kanaka Creek TH 604-476-1188 From $329,900 Mainstone Creek SF 604-463-5000 Call Maple Creek TH 604-908-2352 From $469,900 Parc Vue LR 604-467-8884 Coming Soon Pointe, The SF 604-999-2452 From $489,900 Spencer’s Green SF 778-237-5713 Call Springside SF 604-465-6886 From $389,900 Trails Edge TH 604-805-4669 From $459,900 MISSION / HARRISON Fraser Landing TH 1-888-826-1177 Horizons TH 1-888-826-1177

From $249,900 From $319,800

NEW WESTMINSTER Alexander Walk TH 604-779-1292 From $349,900 Brewery District LR 604-694-1188 Coming Soon Carlyle at Victoria Hill HR 604-523-0733 Call Dominion HR ledmac.com/dominion From $299,900 Elliot St HR 604-524-8080 From $224,900 English Mews TH 604-517-1688 From $329,900 Flow TH 604-520-9880 $508,900 net HST incl.

Grove, The LR 604-523-0733 Call Marinus @ Plaza 88 HR 604-519-9188 Call Northbank HR 604-523-0081 From S261,900 Parkside HR 604-523-0733 Call Red Boat at Port Royal SF 604-520-9890 From $536,900 Red Boat at Port Royal DP 604-520-9890 From $457,900 Regatta at Port Royal LR 604-520-9890 From $390,900 Shift LR 778-397-2283 From Low $200’s Thompson Landing SF 604-520-3226 From $476,900 Viceroy HR 604-522-2583 From $289,900 NORTH VANCOUVER 700 Marine Drive LR/LW 604-984-0700 Atrium at the Pier MR/TH 604-983-9065 Capstone MR 604-929-8870 Destiny 2 at Raven Woods LR 604-929-1915 Drive, The LR 604-986-8138 Kimpton, The LR 604-988-3020 Landing, The MR 604-983-9065 Latitudes TH 604-435-9477 Local on Lonsdale HR/LR/TH 604-998-0219 Orizon LR 604-638-6240 Pinnacle Residences at the Pier MR 604-983-9065 Prescott HR 604-969-3333 Remix LR 604-924-8885 Versatile Building, The HR 604-924-5595

From $299,000 Call Call From $289,900 Call From $359,900 Call From $469,900 From $309,900 From $299,900 Call From S248,900 Call From Low $300’s

PITT MEADOWS Cedar Downs LR 778-846-3200 From $194,900 Liv42 LR 604.460.6601 From $134,900 Solaris at Meadows Gate HR 604-460-8998 Call PORT COQUITLAM Avanti LR 604-468-2707 Burleigh Walk LR 604-464-5856 Carmandy LR 604-435-9477 Dominion TH 604-469-8988 Residences on Shaughnessy LR 604-468-0010 Shaughnessy, The HR 604-468-8252 South Verde LR 604-468-8640 Valorie on the Park LR 604-464-4764

From $215,800 From Low $200’s From $209,900 Call From $199,900 Call Call From $175,000

PORT MOODY Residences, The HR 604-552-0552 Call Station, The TH thestationliving.ca Call Penthouse (PH)

Live Work (LW)

City Home (CH)

P r i cE

RICHMOND Alexandra Gate TH 604-283-2104 $388,800 Altis HR 604-231-0588 From $298,800 Bravo HR 778-297-6222 From $298,800 Camber LR/HR 604-276-0677 Call Cambridge Park LR 778-297-7511 From $259,900 Centro HR/TH 604-270-8305 From $389,900 Concord Gardens HR 604-233-7748 Coming Soon Currents TH 604-274-7326 Call Emerald HR/TH 604-244-8333 From $288,000 Empire Living TH 604-244-9622 Call Gardens, The LR 604-271-3331 From $241,800 Hamilton Station TH 604-274-7326 From $359,900 Karat TH 604-725-1250 Call La Villa TH 604-377-3068 Call Mandarin MR 604-233-1687 From $299,900 Mayfair Place LR 604-278-5809 From $319,900 Mezzo TH 604-725-1250 Call Mohali TH 604-377-2051 From $438,000 incl GST Monet HR 604-233-7748 From $288,900 Nova HR 604-278-8883 From $299,900 Omega LR 604-233-7748 From $279,900 Opal at Richmond Centre HR 604-303-7575 From $464,900 Ora HR 604-278-8838 Call Orchard LR 604-303-8819 From $259,900 Orchid Lane TH 604-307-0400 From $399,900 LR/TH Parc Riviera 604-231-5900 From $200’s Parc Riviera TH 604-231-5900 From $400’s Remy LR 604-279-8866 From $211,900 Quintet HR 604-247-8885 Call Riva LR 604-278-8838 Call River Green MR/TH 604-233-2633 Call River Inlet MR/TH 604-233-2633 Call River Park Place HR riverparkplaceliving.ca From $299,900 Rosedale Gardens TH 604-961-6919 Call Saffron LR 604-270-2482 Call Sonalta Residences TH 778-990-6688 From $628,000 South Arm Garden TH 604-998-4526 From $498,800 Southpointe Cove TH 604-273-2828 Call Westminster Terrace TH 604-204-1077 Call SUNSHINE COAST Viewpoint Residences LR 1-888-385-3295 Wakefield Beach SF 1-888-741-9899 Waterfront @ Porpoise Bay TH 1-888-361-5500

From $199,900 Call Call

SQUAMISH / WHISTLER Elaho TH 604-898-2232 Ocean Crest SF 604-896-2235 Ravens Plateau SF 1-888-852-7575 Aqua TH/LR 1-877-344-5566 Streams at Eaglewind TH 1-877-892-5888 University Heights LR 1-888-852-7575

Coming Soon From $1,298,000 Call From $239,000 From $405,000 Call

SURREY Alexa Altura Ascend Bishop Creek Blossom Court Boardwalk Brookland, The Cambridge Park Canvas Citypoint Connect Edge Edgewood Enclave at Boundry Park Encore at Maple on 164th

From $436,900 incl. net HST From $329,900 From $170’s From $339,900 From $339,900 net HST incl.

From $339,900 incl. net HST $169,900 From $279,900 Coming Soon $186,900 From $118,800 Call From $344,900 From $349,900 Call

High Rise (HR)

Mid Rise (MR)

TH TH LR TH TH TH LR TH TH HR LR LR TH TH TH

Low Rise (LR)

604-583-2555 778-578-5275 604-596-2202 604-588-0005 778-395-4109 604.506.1852 604-395-3080 604-535-9633 liveatcanvas.com 604-580-4199 778-395-1886 778-395-7704 604-644-7811 604-657-3709 604-716-9506

Loft (LO)

january 11 - 25, 2013 | metro vancouver new home guide 77

P ro j ect

English Mews Ethical Gardens Fusion G3 Residences Guildford Greens Highlands at Sullivan Ridge Latis Latitude Links, The Lumina Madison Monterosso Oliver’s Lane Panorama Station Panorama West Village Panorama Woods Park Avenue Park Place Quattro 3 Redleaf Crescent Rockwood Sequoia Silverwood Teo Hyland Residences Ultra at West Village Vantage Verve Walks, The Wave CLOVERDALE Allegro Clayton Heights Clayton Rise Ebbens Crossing Grove, The Grove at Cambridge, The Highgrove at Provinceton Hillcrest La Rue One92 Sun 72 Salix Sunset Grove Uptown Clayton Village Waterstone

T Y P E contact

P ric E

P ro j ect

TH 604-517-1688 From $329,900 LR 604-584-1172 From $235,900 TH 778-578-9779 Coming Soon HR 604-453-6688 Call TH 604-307-0400 From $349,900 SF 778-565-7768 From $669,900 incl. HST LR 604-575-0669 From $194,900 LR 604-596-5075 From $264,900 SF 778-574-2550 From High $600’s LR 604-760-7672 From $249,900 inc. net HST TH 604-543-6262 From $320,000 LR 604-596-8828 From $249,900 SF 604-543-3868 From $489,900 TH dreamstarliving.com Coming Soon TH 778-885-6700 Call TH 778-593-9954 From $329,900 HR 604-233-7748 Coming Soon HR 604-583-9866 From $289,900 LR 604-581-8000 From $199,900 TH 604-584-9405 Call TH 604-503-1188 Call TH 604-575-7366 From $329,900 TH 604-953-0288 From $300’s TH 604-288-8918 From $299,900 TH/HR 604-588-6999 From $186,900 SF/TH 604-579-0247 From $345,900 incl. HST LR 604-588-3783 From $160’s CG/TH 604-440-8070 Coming Soon HR 604-951-9283 Call

TH 604-574-5415 From $335,900 TH/DU 604-723-4497 From $549,900 TH 778-278-0030 $282,900 DU 778-389-7074 From $469,900 TH 604-533-6968 Call TH 604-597-7177 Call SF 604-888-8758 From $599,900 TH 604-575-5569 Call TH 604-575-8518 From $279,900 inc HST LR/TH 604-576-1772 From $199,000 TH 604-575-8806 From $292,900 LR 604-530-0054 From $229,900 LR 604-532-7711 From $211,900 TH 778-574-0146 From $339,900 LR 604-530-5399 From $219,900

VANCOUVER & AREA DOWNTOWN 540 Beatty LR 604-684-5403 From $869,000 999 Seymour MR 604-879-9996 From $325,900 Alexandra HR 604-899-8800 From $839,900 Erickson HR 604-899-8800 From $2,499,000 Fairmont Pacific Rim Estates HR 604-781-4303 Call Jameson House HR 604-339-0707 Call Keefer LR 604-408-2580 From $1,600,900 Keefer Block LR 604-682-8813 Coming Soon Laguna HR 604-682-5300 From $900,000 Living Shangri-La HR 604-605-8833 Call Maddox HR 604-669-8200 From $319,900 Mark, The HR 604-687-4353 Call Modern amacon.com From $300’s One Pacific HR 604-899-8800 Coming Sonn Ritz, The HR 604-876-9222 Call Rolston, The HR 604-688-8927 Call Sapphire, The HR 604-876-9222 Call Three Harbour Green TH/HR 604-683-3388 Call EAST SIDE 2nd & Commercial LR 604-800-8862 From $269,900 16 East TH 604-724-6335 From $699,900 Alba LR 604-251-2522 From $327,000 Avant TH 604-298-2240 From $618,900 Block 100 HR 604-682-8801 Call Central HR 604-687-4353 Call Charm LR 604-330-8838 $266,900 Cedar 54 LR 604-325-0192 Call Penthouse (PH)

Live Work (LW)

City Home (CH)

T Y P E contact

P ric E

Jeffs Residences, The TH 604-558-1907 Call Latitude TH 604-377-1362 From $688,000 Local LR 604-688-5527 From $349,900 Lido HR 604-872-2672 From $458,900 Majestic On Main LR/TH 604-638-9222 From $399,900 Meccanica HR 604-876-8819 From $324,900 River Walk TH 604-438-2858 From $688,000 Sesame LR 604-253-8888 From $259,900 Shine MR Coming Soon Skyway HR 604-436-1100 Call Uptown LR 604-899-8800 From $276,800 Woodshire TH 604-719-1700 From $420,900 WEST SIDE 6 & Fir HR 604-899-8858 From $449,900 700 West 8th HR 604-714-2213 From $819,900 5555 Dunbar LR 604-568-7551 From $300,000’s Academy HR 604-228-8895 From $498,000 Alder Crossing TH/Flats 604-600-5405 From $269,900 Anchor TH Coming Soon Bayswater LR 604-739-8880 Call Blanc TH 604-600-8790 blancmodern.com Cambie & 7th HR/TH 604-568-5060 Call Collection 45 LR 604-569-1555 Call Elizabeth LR 604-877-1722 Call Exchange LR 604-716-0483 Call Fairview Green TH 604-742-1070 From $1.3 million Granville Mews TH 604-261-8088 Call James MR 604-675-1000 From $424,900 Kits360 LR 604-737-0360 From $299,900 Maynards Block, The LR 604-893-8378 From $262,900 MC2 HR 604-638-9998 From $259,000 McKenzie Green TH 604-558-2908 From $998,800 Montgomery TH 604-369-6641 From $619,900 Opsal HR 604-876-7332 Call Pinnacle Living Broadway MR 604-739-2080 From $429,900 Pinnacle Living False Creek MR 604-874-8368 From $369,900 Prelude MR 604-616-7008 Call Radius ledmac.com/radius Coming Soon Riley, The LR 604-616-7008 Call Sixth and Willow sixthandwillow.com Coming Soon Sydney HR 604-733-6688 $468,900 Village on False Creek, The MR 604-874-8368 From $385,500 Westerly, The LR 604-568-3399 From $300,000’s WEST VANCOUVER Evelyn LR 604-922-0330 Call WHITE ROCK / SOUTH SURREY Abbey Road TH Adagio LR Arista TH Augusta TH Avra HR Belcroft, The TH Blu TH Breeze TH Edgewater LR Elgin Oaks TH/SF Europa LR Gemini LR Greens at Douglas, The TH Headwaters LR Heights, The TH/LR Juniper SF Landstar at Summerfield SF Miramar HR Morgan Crossing LR Morgan Heights SF Pier 16 TH Promenade LR Toccata TH Sausalito MR Summerfield SF Vinterra TH Wills Creek TH High Rise (HR)

Mid Rise (MR)

Low Rise (LR)

604-542-0660 604-531-6659 604-536-8887 liveataugusta.ca 604-531-9030 604-568-8830 604-782-5258 604-582-1113 604-535-9655 604-636-8525 604-908-2352 604-536-1663 604-619-4902 604-535-1451 778-545-8737 liveatjuniper.ca 778-389-5262 604-542-8700 604-582-1336 604-560-1053 604-542-1616 604-836-1818 604-535-5088 604-531-2200 604-536-1155 604-536-7171 604-542-8971

From $349,900 Coming Soon From $344,900 From $429,900 net HST incl.

From $339,900 From $599,900 incl. HST From $599,900 $304,900 From $419,900 Call Coming Soon Call From $540,900 $313,500 Call From $769,000 net HST incl.

From $749,900 incl. HST From $637,900 From $279,900 From $840,000 From $349,900 From $314,900 $379,900 Call From $588,600 From mid $600’s From $539,900

Loft (LO)

www.macmarketingsolutions.com We sell the homes you want to buy. /MacMarketingSolutions 78 metro vancouver new home guide | january 11 - 25, 2013

@MAC_Marketing

/MACMSTube

SE !

A NG PH LI L L A E N S FI OW N

RARE

OPPORTUNITY. Premier townhomes within the prestige community of Sunny South Surrey.

Prices start at $549,900 for a west-coast luxury townhome.

Welcome to Wills Creek: luxury interiors, and an unmatched location. Our townhomes feature nine foot ceilings, geo-thermal and high-end gourmet kitchens. The 2000 square foot fitness centre includes a heated outdoor pool, hot tub and flowing waterfalls. It’s everything you need to call Wills Creek the very best quality in South Surrey living!

Prices start at $549,900 for an exceptional home, come and see just how much value you can get at Wills Creek! Visit our

new ideas inspire better places

showhome now for your best selection and pricing.

www.willscreek.ca | 604.542.8971 Showroom open daily: noon to 5pm (except Fridays) at 3109 - 161st Street, Surrey, Across the street from Morgan Creek Golf Course.

THIS IS NOT AN OFFERING FOR SALE. ANY SUCH OFFER CAN ONLY BE MADE WITH A DISCLOSURE STATEMENT. PRICES ARE SUBJECT TO CHANGE WITHOUT NOTICE. E &O.E.