GTA New Home Guide - February 18, 2012 by NextHome

GTA Edition

Feb 18 - Mar 3, 2012 Volume 20 Issue 04

Your Best Source for New Homes

Now it’s easier to

inside this issue

CREA UNVEILS NEW HOME PRICE INDEX

Empire offers flexible down payment options on historically-low interest rates... That means it’s never been easier to OWN! see page 18 for full details.

ENERQUALITY CONFERS 2011 AWARDS OF EXCELLENCE

USING YOUR RRSP TO BUY A HOME

Coming soon to Richmond Hill. PRESTIGIOUS CLUB LIVING ON THE OAK RIDGES MORAINE. There’s a place reserved for you on the Oak Ridges Moraine, nestled within one of the largest collection of Kettle Lakes in Ontario and next to the Humber and Rouge River watersheds. Coming soon to Richmond Hill, the Kettle Lakes Club on Bayview Avenue, a collection of Executive Townhomes on a protected ravine setting starting from the 400’s. Register for a preview at aspenridgehomes.com

T W E N T Y

Y E A R S

Make your move at

aspenridgehomes.com

DESIGNER MIKE NIVEN LUXURY MODEL HOME TO VIEW. Live in the lap of luxury amidst gracious surrounding greenery, while just minutes from every convenience King City has to offer: Memorial Park, the Community Centre Arena, the GO Train Station, and private, independent, public and secondary schools.

SALES OFFICE

KING VAUGHAN ROAD

TESTON ROAD

DUFFERIN STREET

HWY 400

KEELE STREET

KING ROAD

King City – King Oaks MIKE NIVEN MODEL East side of Keele St. south of King Rd. 70’ & 80’ Singles from 1.3 million 905.539.0181

MAJOR MACKENZIE DR.

T W E N T Y

Y E A R S

aspenridgehomes.com

TWO MIKE NIVEN MODEL HOMES TO VIEW. Nestled into King Township, King Country Estates offers a lifestyle fit for royalty. In the midst of this area’s beautiful rolling hills and pastoral countryside, Nobleton’s first master-planned community is designed to preserve and enhance the environment. The neighbourhood will include picturesque ponds, parks, trails and lookouts that will keep residents connected with the breathtaking landscape of the adjacent Oak Ridges Moraine.

SALES SALES OFFICE OFFICE /MODEL /MODEL HOMES HOMES

KING KINGROAD ROAD

HWY427 427 HWY

ZENWAY ZENWAY

HWY400 400 HWY

HWY27 27 HWY

15 15TH THSIDEROAD SIDEROAD

Nobleton – King Country Estates TWO MIKE NIVEN MODELS East side of Hwy. 27 just north of King Rd. Singles from $680’s 905.558.0255

HWY HWY77 HWY HWY407 407

© Aspen Ridge Homes. Prices and specifications are subject to change. Renderings are artist’s concept and will change if required by site conditions, availability of materials, and architectural control. See sales representative for details. All Rights Reserved. E.&O.E. February 2012. 17381

Aspiring Communities.

ASPEN RIDGE NEW HOME FINDER. OUR COMMUNITIES. COUNTLESS SOURCES OF INSPIRATION. Brampton – Countryside Meadows MODEL NOW OPEN West side of Bramalea Rd. Just north of Sandalwood Pkwy. Towns from $420’s, Singles from $520’s 905.792.5118

Maple – Dufferin Ridge NOW OPEN Rutherford Rd. & Dufferin St. Executive Towns Towns from $490’s 289.553.2719

Brampton – Credit Manor Heights NOW OPEN Mississauga Rd. & Steeles Ave. Towns from $370’s Singles Coming Soon Register at aspenridgehomes.com

Markham – Upper Cornell COMING SOON Northeast corner of 9th Line & Bur Oak Semis & Singles 905.554.3446 Register at aspenridgehomes.com

King City – King Oaks MIKE NIVEN MODEL East side of Keele St. south of King Rd. 70’ & 80’ Singles from 1.2 million 905.539.0181

Nobleton – King Country Estates TWO MIKE NIVEN MODELS East side of Hwy. 27 just north of King Rd. Singles from $680’s 905.558.0255

Kleinburg – Kleinburg Hills COMING SOON Hwy 27 & Major Mackenzie Dr. Singles Register at aspenridgehomes.com

Richmond Hill – Kettle Lakes Club COMING SOON Bayview Ave. & Bethesda Side Rd. Executive Towns Register at aspenridgehomes.com

ASP 17381 New Home FP GF Ad 12.indd 5 001-Aspen-Corp 02-18-12.indd 1

Richmond Hill – Macleod’s Landing TWO MIKE NIVEN MODELS Bathurst St. & Milos Rd., north of Jefferson Side Rd. Towns from $450’s 36’ Singles from $630’s 45’ & 50’ Singles from $720’s 905.508.8200 Model Home Viewing Hours: Saturday – Sunday 11am – 6pm

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contents

32 Empire Communities

cover story

embraces new homebuyers

community focus features 24

Stouffville | Fieldgate Homes

Pickering | Geranium Homes

Multi-site | CountryWide Homes

Toronto | H&R Developments

Richmond Hills | Madison Homes

Fieldgate releases new lots at popular BlueSky in Stouffville The Courts of South Rouge has it all

Communities and homes to fit your taste, lifestyle and budget Why rent, when you can own at Westown? Ravine, crescent and cul-de-sac lots opening at Jefferson Forest

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110

104

regular and special features IN EvERy ISSUE 4 10 110 118

EDIToR’S NoTE CoNTRIBUToRS HoT DATES AD INDEX

CoLUMNISTS 14

BILD REPoRT

Green builders rewarded for excellence —by Paul Golini Jr. LEGALLy SPEAKING

New-home buying: your step-by-step guide —by Jayson Schwarz TAXING ISSUES

Calculating capital gains tax —by Henry Choo Chong MoRTGAGE FINESSE

Credit and debt management —by Calum Ross

IN THE NEWS

CREA unveils new Home Price Index

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Mortgage pre-approval gives house hunters peace of mind

HoMEBUyERS’ HELP 111

RESoURCE SECTIoN

115

GTA HoT SHEET

120

FUNDAMENTALLy SPEAKING

IN THE NEWS

Canadian housing market to remain steady: CMHC IN THE NEWS

EnerQuality announces 2011 awards of excellence winners IN THE NEWS

Two Men and a Truck to carry defibrillators on moving trucks FINANCES

Mortgage Calculator and Rate Table

Two pages of new openings, new releases and preview registrations

GTA still a top destination for new Canadians —by Wayne Karl

When living together means living better ARoUND THE HoUSE

Ways to stay warm at home without turning up the heat

TAX MATTERS

Canadians 18 to 34 ramping up RRSP contributions

TAX MATTERS

104

TAX MATTERS

IN THE NEWS 22

IN THE NEWS

Using your RRSP to buy a home Tips for planning for your retirement

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EDITOR’S NOTE

THE FINAL PURCHASE PRICE

Upgrades and options can make or break your budget

hen walking through a builder’s model home, remember – the actual purchase price consists of the base price as well as other associated costs, such as upgrades and options. Since upgrades are determined by you, the purchaser, they can add up to as much or as little as you like, depending on your final selections. If your buying decision is based on a builder’s model home, the model likely has upgrades and options that are not included in the base price. If you are uncertain what’s included, ask the sales representative to walk through the model to clarify the standard items as well as the upgrades and options. Once you decide on the model you like best, you’ll have an opportunity to select all the upgrades, colours and options you want for your home. These items should be listed and described in detail (such as brand, model name, product number, colour and cost) as part of your final agreement. Some builders ask you to choose selections right away, but more commonly, you will choose them at a later date. You can either pay for the cost of these extras at the time of closing, or opt to roll them into your mortgage. Either way, it’s important to know what’s included up front, so when you’re making your final selections you can be sure to stay within your budget. SUSAN LEGGE EDITOR-IN-CHIEF

homeTRADER.ca susan.legge@wall2wallmedia.com

Follow me on twitter: twitter.com/SusanLegge

GOING WEST, YOUNG MAN?

There’s no need to pack up just yet

t’s a phrase often attributed to American newspaper editor Horace Greeley (as well as, at least in my opinion, a bad Genesis song): “Go west, young man.” In this case, it could be young woman, young new Canadian or young prospective homebuyer of any stripe. The 2011 Census was released recently, and much of the sentiment, as reported by major media outlets, was that Ontario was slowing in population and economic growth, and that “the west” was the place to be. While it’s great to see other parts of Canada enjoying their prosperity – much of it based on a wealth of natural resources – Ontario, and more specifically the GTA, are still holding their own, thank you very much. The Toronto census metropolitan area – the downtown core, surrounding communities and many outlying areas in southwestern Ontario – are all still top choices for immigrants coming to Canada, if at a slightly slowing clip. All of that bodes well for the areas’ new-home markets, and numerous reports bear that out – be they from major realtors, home building associations or Canada Mortgage and Housing Corp. Ontario’s overall population growth may be slowing, but Toronto’s is well above both the provincial and national averages. For those in the GTA and surrounding areas, there’s no need to pack up just yet.

WAYNE KARL EDITOR

wayne.karl@wall2wallmedia.com

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Follow me on twitter: twitter.com/WayneKarl

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Mayfield Rd. Mayfield Rd. V

Mayfield Rd. Mississauga Rd.

C C E

Wanless Drive

Pond C

Wanless Drive

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Creditview Rd.

oods

Welcome to the Neighbourh

Sandalwood Pkwy C

City Park

Chinguacousy Rd.

Mississauga Rd.

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Pond V

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Cr edi tvi ew

ing here, where Then picture yourself liv nd the corner. everything is right arou

Mississauga Rd.

Itâ&#x20AC;&#x2122;s here! the Neighbourhoods The Community Plan of y for you. of Mount Pleasant is read trails, ponds, Take a tour of the parks, d channel and nature lookouts, woodlan ing boulevards, wetlands. And the welcom cular designs village squares and specta ill soon call home. that so many families w

Pond

Poonndd P

Po nd

Rd .

Love, Mount Pleasant!

L C C

Bovaird Dr.

Bovaird Rd.

Landscape details are artistâ&#x20AC;&#x2122;s concept. Map not to scale. E.&O.E. January 2012

LoveMountPleasant.com and receive all the latest updates including a larger community map!

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Where will your life storey take you?

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Your life storey starts here.

Phase 4 Grand Opening SOMERSET SOUTH

Now Open MILLSTONE ON THE PARK

30', 34', 37' & 42' Detached Homes Salem Rd. N. & Williamson Dr. E., Ajax

Back-to-Back Townhomes Dundas St. W., east of Bronte Rd., Oakville

Starting from $354,990 Visit us at menkes.com 905.428.0500

From the mid $300 ’s Visit us at menkes.com 905.825.3619

Coming Soon THE ENCLAVES OF UPPER CANADA

Coming Soon HUMBER MEWS

Coming Soon BLOOM PARK TOWNS

Semi Links & Detached Guelph St. & MacFarlane Dr., Georgetown Register at menkes.com 416.642.8955

Towns Browns Line & Evans Ave., Etobicoke Register at menkes.com 416.642.8955

Towns Bathurst St. & Finch Ave., North York Register at menkes.com 416.642.8955

Long before the communities are built, we start with an ideal – to create the best lifestyle experience in that neighbourhood, thereby raising the standard for the entire community. It’s how we’ve built an unrivaled reputation as an innovative builder over the last 50 years. And we’ve earned that reputation one storey at a time. Prices and specifications are subject to change. E.&O.E. January 2012. 17265.

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facebook.com/MenkesLife

@MenkesLife

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n o b ib R e lu B e h T g n ci u d o tr In

Sales Event

Enjoy Entertaining In Mattamy’s Kitchen/Great Rooms

Right now in Mount Pleasant North we’re offering great savings on every single home.

Save $15,000 on all Detached Homes. Save $5,000 on all Townhomes. Townhomes include Air Conditioning and 3 Kitchen Appliances. Brampton’s most well-connected new community now connects you to great savings. Purchase your new home today and find a blue ribbon on your front door.

Townhomes From $254,990 Detached Homes From $347,990

Bovaird Dr./Hwy.7

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

NH&Cdps(MPN)JFeb.11.indd 1 008-009-Mattamy-MtPleasant 02-18-12.indd 8

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On Now For a Limited Time. Elev. ‘D’

Elev. ‘B’

Village Home, Plan 1, Elev. ‘D’, 1,031 Sq.Ft. WAS $259,990, NOW $254,990

Urban Townhome, Plan 2, Elev. ‘B’, 1,735 Sq.Ft. WAS $330,990, NOW $325,990

38' WideLot™, Plan 4, Elev. ‘C’, 2,458 Sq.Ft. WAS $491,990 NOW $476,990

45' WideLot™, Plan 2, Elev. ‘B’, 2,648 Sq.Ft. WAS $544,990 NOW $529,990

30' WideLot™, Plan 6, Elev. ‘B’, 1,749 Sq.Ft. WAS $395,990 NOW $380,990

45' WideLot™, Plan 4, Elev. ‘C’, 3,000 Sq.Ft. WAS $576,990 NOW $561,990

www.mattamyhomes.com Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm 09/02/12 12:21 PM 008-009-Mattamy-MtPleasant 02-18-12.indd 9

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CONTRIBUTORS

vice-president, national real estate

Jacqueline Hill

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

Conni Robinson

Paul Golini jr bild report

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

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

Susan Maxwell

editor-in-chief, National real estate

Susan Legge editor

Wayne Karl art director

Julie Yoo, Daiana Garay (on leave) contributing Editors

Elisa Krovblit Lydia McNutt Sara Duck (on leave)

senior account executive

Nina Downs

calum ross, The Mortgage Centre mortgage finesse

Calum Ross is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds both a B. Comm and an MBA in Finance. He can be reached at 416.410.9905.

senior account executive

Dionne Fraser

Sales & marketing co-ordinator

Terry Bassett

distribution & merchandising representative

Sandra Begenisic, Stephanie Moscattini (on leave) administrative assistant

Antoinette Jackson, Maria James (on leave) Manager of production

Bala Gnanapandithan

production co-ordinator

Sandra Hanak-Vujnovic graphic designers

Daniel Mera, Sandra Hanak-Vujnovic

henry choo chong, CGA taxing issues

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

director of circulation

Brian Master

National Account Manager, Mediative

Andrea Berry

New home Guide

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

information.

Circulation Free distribution in select high-traffic street

jayson schwarz, Schwarz Law Barristers and Solicitors

boxes, stores, banks and financial institutions & select condominium sales offices. Terms Advertisers, Editorial content are not responsible for typographical errors, mistakes or m isprints. All prices are correct as of press time and are subject to change without notice. E. & O. E. Editorial Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@ wall2wallmedia.com.

legally speaking

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

Published by

Ontario, Canada. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. Please recycle this magazine! Wall2Wall Media participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

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bild report

Green builders awarded for excellence — By Paul Golini Jr. —

was recently in beautiful Collingwood for the Ontario Home Builders’ Association builder and renovator forum — an annual event that is jam-packed with energy efficiency training organized by the organization’s training partner, EnerQuality, and there were 210 of us from all facets of the industry soaking it all in. Session topics ranged from changes to the regulatory landscape to building science basics and new green technologies tried, tested and true. In a room full of builders, renovators and suppliers, it was no surprise that the recent changes to the Ontario Building Code in relation to energy efficiency dominated the question periods in most sessions. On Jan. 1 of this year, new regulations came into play that require a higher standard of energy efficiency for new residential buildings. To be honest, the industry — and BILD as its voice in the GTA — has been involved in the discussion around these changes for years and many of our members have already started designing and building their projects to meet and even exceed the new standards. During the forum, some of those members were recognized for doing just that during the annual 2011 EnerQuality Awards of Excellence. The Awards of Excellence recognize leaders in construction who have demonstrated an exceptional commitment to building high-performance, energy-efficient, sustainable new housing. Minto Communities captured top honours when it was named 2011 Green Builder of the Year and 2011 Leader of the Year. In 2009, the honour of being named Leader of the Year was bestowed upon BILD for its measurable impact on Green building practices by providing members with education opportunities and training by EnerQuality.

BILD also has a Green Policy and walks the walk by incorporating initiatives like installing a solar PV array on the building’s roof and motion sensors throughout the building. I’m proud to say that Empire Communities was presented with EnerQuality’s Energy Star for New Homes Builder of the Year award, recognizing our commitment to energy efficiency by labeling homes under the Energy Star for New Homes program. One of our employees, Gary Botelho was also honoured as EnerQuality’s Energy Star for New Homes Champion of the Year recognizing his initiative, strong support and enthusiasm for the program. Another BILD member, Mason Homes was the winner of EnerQuality’s Best Green Marketing Campaign award for its work in successfully integrating energy efficiency and a green message into their overall marketing program. The 2012 forum wrapped up with a keynote address by Gord Cooke, who has been a passionate educator and advocate for better building practices for 25 years, and closing remarks from OHBA President Doug Tarry. Every year this forum grows in attendance and in educational scope. As well, the competition for the Awards becomes fiercer every year, but I take that as a good sign that the education is working and that new homes across the GTA are becoming more and more energy efficient.

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

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Home at Last ! ®

HWY 407 & MAVIS

ONLY $1,000 INITIAL DEPOSIT! JUST 30 TOWNHOMES STARTING FROM $333,900 This is your last chance to own a fabulous family sized townhome at TerraCotta - HWY 407 and Mavis. The GTA’s best value in luxury townhomes at just $178 per square foot.

SPECIAL NEW RELEASE PRICING Luxurious interior finishes including oak strip hardwood flooring throughout,** oak stairs, designer kitchen cabinetry & granite countertops. A Superb location amidst woodlots, walking paths & parks. Steps from downtown Milton.

only $369,900 FINAL PHASE from ONLY 8 SINGLES $591,900 from only

905-876-3140

heathwood.com Hours: Mon. - Thurs. 1 p.m. - 8 p.m., Fri. by appt. only, Sat., Sun. & Hol. 11 a.m. - 6 p.m. Prices and specifications are subject to change without notice. E. & O. E. ENERGY STAR® mark is administered by Natural Resources Canada. Traditions and Terracotta Village Phase 3 are Energy Star® communities. *From Phase II prices. **For Townhomes only. Ask about our Two Men and a Truck moving promotion.

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Legally Speaking

New-home buying:

Your step by step guide — By Jayson Schwarz LL.M. —

ere you are getting ready to embark on your new life and ready to make what may be the largest single purchase that you will ever make when you are confronted by daily doses of economic doom. “What do I do?” you ask yourself. Don’t be afraid, take your time, do the research you should in order to identify the area you like, the services available to you and ensure that there are no hidden matters that could affect your decisions. What do I mean? No old dumps, train tracks, commercial malls to be built next door; what are the amenities of your condo, if you’re looking to buy such a unit? Go to the local municipal offices and check with planning and zoning to ensure you know exactly what your neighbour and neighbourhood will be. Next, take a hard look at your job, speak with your supervisor, research how the company is doing and make sure you, and, if appropriate, your significant other, feel secure. Once you have done that, speak to the mortgage specialists at the bank you deal with, and at the same time meet with a reputable mortgage broker. Companies such as the Mortgage Centre in Mississauga and Mortgage Providers in Toronto have the experience and integrity to get you the best deal. Find out how much money you are entitled to borrow and how much of a deposit you’ll need to put down. This will allow you to focus on homes you can afford. Get a pre-approval in writing so you have something to rely on, because today especially, it is critically important that you do not get caught up in the rush of buying a house that is beyond your budget. Nothing is worse than living for the house, not living in your home. Once you identify how much you can spend, determine if you want condo or freehold. Condo living provides a carefree lifestyle – someone else cuts the grass – but you pay common expenses and sometimes others determine how the amenities, if not your unit itself, can be used. Freehold provides the freedom to do what you want, but maintenance and upkeep fall on your shoulders. The choices are boundless. Lawyers are next. Look around for one by starting with media and look in magazines, newspapers, listen to radio and watch real estate television (Inside Real Estate). Go online and check out the websites of different real estate lawyers. Look to see whether they give good, valuable, information; whether they give you pricing up front and whether they make you feel comfortable. Call the Law Society of Upper Canada, Lawyer Referral Service, which can be found in the telephone book. This service keeps lists of lawyers and refers requesting members of the public to lawyers who practice in the area requested. However, this just gets you someone in your area. You need to really check

them out when referred. Speak to friends who have used a lawyer for the type of service you require and ensure they did the job professionally, courteously and for the price quoted. Call our office. Once you’ve found the right area, type of home and lawyer, it’s time to find the right real estate agent and/or builder. Be careful, you want someone who will work for you within your budget and area. Drive around, check out signs, read the papers and speak to your lawyer. Interview two or three agents until you find the one who fits the bill. Go to our website at schwarzlaw.ca under the articles section, for lots more information on how to proceed. Happy home hunting!

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

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Welcome to our Empire. Our OWN Home!

NOW it’s EasiEr tO

ENJOy HistOriCally lOW iNtErEst ratEs!

Empire offers flexible down payment options* combined with just announced low monthly payments to help you get out of renting and into ownership! Our neighbourhoods are close to the GTA, but miles ahead in value. Starter home prices begin at just $179,990. And for move-up buyers, a 44’ lot home can be yours for the price of a GTA townhome! It’s a discovery that could change your life. There’s never been a better time to own. Visit Wyndfield, Summerlea or Riverland to learn more.

OP Fri

empirecommunities.com

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The by n subj see excl

Detached Homes

399 P&i

NOW frOM

Bi-WEEkly

NEW rElEasE Of

Bi-WEEkly

Starting From $179,990

Bi-WEEkly

3 MOdEls tO tOur!

WidE frEEHOld sEMis

Freehold Towns

Starting From $284,990

Starting From $254,990

299 P&i

NOW frOM

Detached Homes

499 P&i

Bi-WEEkly

Starting From $209,990

NOW frOM

Detached Homes

519.648.9762 200 Woolwich St. South, BrEslau

From the mid $200’s

uXBridgE

5 MOdEls tO tOur!

4 MOdEls tO tOur!

519.756.4554 310 Blackburn Dr., BraNtfOrd

905.692.6000 4 Kaufman Dr., BiNBrOOk

WyNdaNCE Up to one acre fully serviced lots from the $900’s to over $1 Million * 905.649.8197 4 Wyndance Way, uXBridgE

Victory ridge is coming soon to stoney Creek! Live nestled in nature on the edge of the Escarpment with glorious views near waterfalls and the Bruce Trail. A stunning collection of townhomes and two-car garage detached homes starting from the mid $200’s.

404

Hw Bloomington Rd -

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The energy STar mark is administered and promoted in Canada by natural resources Canada. Prices, size and specifications are subject to change without notice. e.&O.e. Map not to scale. *Please see an empire real estate advisor for full details. exclusive listing brokerage: TFn realty Inc. Brokers Protected.

Thursday & Friday 1-6pm, Sat, Sun & Hol 11am-5pm Mon-Wed by Appt. Only

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Kitchener 401

OPen 7 DayS a WeeK: Mon-Thurs 1-7pm, Fri 1-6pm, Sat, Sun & Hol 11am-5pm

sales Centre Hours:

QEW

Empire is Energy star Plus!

Stoney Creek

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2/10/12 5:10:04 PM

2012 SHOPPING GUIDE LOVE TO SHOP? Our 2012 shopping guide profiles some of the GTA’s top home and décor shops and services.

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20 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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H&R Corp. NH&C Ad-8157_Layout 1 12-02-08 3:32 PM Page 1

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021-H&R-Corp 02-18-12.indd 21

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IN THE NEWS

CREA UNVEILS NEW

Home price index T

he Canadian Real Estate Association has introduced what it says is the most current, detailed and accurate gauge for monitoring home prices – the Home Price Index (HPI). “The introduction of the MLS HPI will provide clients and realtors a more timely and accurate gauge of home values in a number of major markets across Canada,” says Gary Morse, CREA president. The initial launch of HPI involves statistics of participating CREA member boards, the Greater Vancouver Real Estate Board, Fraser Valley Real Estate Board, Calgary Real Estate Board, Toronto Real Estate Board and the Greater Montreal Real Estate Board. These markets account for roughly half of the national real estate activity. Another eight boards will join later this year, and the remaining eight in 2013, CREA says. In each of the five markets included in the index, HPI data will be available for: single family homes, which are further split into one- and two-storey single-family homes; townhouse/row units; and condo apartment units. Data for these housing types are also available along detailed neighbourhood lines (areas and sub-areas) for each market tracked by the index. Indices for each of these housing types are used to calculate a Composite (overall) HPI in each market tracked by the index, which reflects the general price trend in each market. HPI data for each market are also used to calculate Aggregate HPI data for each housing type tracked by the index. The data are also used to calculate an Aggregate Composite HPI index, which gauges general (overall) price trends for the collection of Metropolitan markets tracked by the index. THE HPI WILL TAKE INTO ACCOUNT CONTRIBUTIONS MADE BY VARIOUS QUANTITATIVE AND QUALITATIVE HOUSING FEATURES TOWARD THE HOME PRICE, INCLUDING BUT NOT LIMITED TO: » Number of rooms above the basement level » Number of bathrooms and half-bathrooms » Square footage for main living and basement areas » Whether it has a fireplace and/or finished basement

» Lot size » Age of the property » Parking » How the home is heated » Foundation, flooring, siding and roofing types » Whether the property has waterfront or panoramic view » Whether the property has been sold previously (newly constructed and previously unsold, or repeat sale) » Proximity to shopping, schools, hospitals, police stations, churches, sports centres, golf courses, parks and transportation (including the train station, railways and airports) “Changes in average and median home prices are open to misinterpretation, since they can swing dramatically based changes in the mix of home sales,” says Gregory Klump, CREA’s chief economist. “The MLS HPI overcomes this shortcoming, and does a better job of tracking Canadian home price trends than any other measure.” HOME PRICES RISE IN JANUARY Using the new measure, CREA says home prices rose in January. The MLS Home Price Index rebounded following monthly declines in each of the two previous months. HIGHLIGHTS: » The Aggregate Composite Home Price Index rose 0.27 per cent on a month-over-month basis in January 2012, after having declined by 0.20 per cent in December and by 0.07 per cent in November. » The rebound was led by increases in Montreal (0.68 per cent), Toronto (0.28 per cent) and Vancouver (0.06 per cent). » Prices were up on a month-over-month basis for oneand two-storey single family homes, rising 0.47 per cent and 0.53 per cent respectively. » The index remains up from year-ago levels in all five of the markets tracked, led by Toronto (7.6 per cent). » It also remains above year-ago levels in all housing categories tracked, led by two-storey single-family homes (6.7 per cent).

22 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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FIVE-STAR

HOME

BUILDER

10th Line

YOUR

Bloomington Rd.

Main St. 10th Line

Stouffville Rd.

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SALES OFFICE

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13773 STAR NewHomes&ConFeb.18th 2012Ad_FIN.indd 1 023-Starlane-Corp 02-18-12.indd 23

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community focus

fieldgate homes bluesky stouffville

The stunning brick and stone exterior of the 3,154-sq.-ft. Cypress Hills, Elevation B, invites you into a welcoming foyer and an oversized living room with a coffered ceiling

Fieldgate releases new lots at popular

BlueSky in Stouffville location

Stouffville

lueSky Stouffville’s Country Lane is the new-home community you’ve been waiting for – a refreshing way of life full of old-fashioned charm, set in a dynamic, modern and convenient community just five minutes north of Markham. And now, Fieldgate Homes has released a new phase of townhomes and 30-, 36-, 40- and 50-ft. single-detached homes in this popular community. Features include oak staircase with upgraded wood spindles and hand rail in natural finish from the first to second floor, pre-finished natural hardwood on the main floor, nine-ft. ceiling on

HOUSING TYPES

sales office & model homes

freehold towns from the mid-$300’s; detached homes on 30-, 36-, 40- and 50-ft. lots from the mid $400’s

four designer-decorated models, located on the west side of Ninth Line, north of Main St. (Stouffville Rd.)

Contact 905.640.0002 | fieldgatehomes.com Continued on pg. 26 24 New home guide GTA | feb 18 - mar 3, 2012

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community focus continued

the main floor, and as a special opening bonus, buyers receive $5,000 to customize your home at the decor centre. A limited number of lots are available in this popular community, with unbelievable prices that start from the mid-$300’s for the freehold townhomes, mid $400’s for the 30-ft. homes, upper $400’s for 36-ft. homes, low $500’s for the 40-ft. models and in the mid $600’s for 50-ft. homes. there are four designer decorated model homes to visit on weekends. At BlueSky Stouffville, there’s something for every type of family. the Cypress Hills model is a fine example of the heritage design available at BlueSky, enhanced with a great selection of luxurious features. this 3,154-sq.-ft. home presents a stunning brick and stone façade with a graceful arched entry door leading up to a welcoming foyer. the spacious living room is accented with decorative half columns and a coffered ceiling. the large family room has an expansive fireplace, making it the true focal point of the room. the gourmet kitchen comes with a chef ’s desk and an oversized pantry as standard features. Upstairs, the Cypress Hills offers four spacious bedrooms, all with abundant closet space for storing your belongings. the sumptuous master bedroom takes up the entire back of the home and includes his and her walk-in closets as well as a luxurious ensuite with separate vanities, a deep oval tub and an enclosed shower. the second bedroom also comes with its own ensuite bathroom. two other bedrooms on this level offer plenty of living space for your growing family. the homes are designed to complement the unique flavour of the community. the 19th-century hometown setting is rich with heritage and wholesome character. it’s a place where you can enjoy all the comforts of a country lifestyle and still get to the city in less than 30 minutes. Stouffville’s fertile rolling farmland, scenic ravines, kettle lakes and forested highlands make it an irresistible place to call “home.” Annual Stouffville events such as the summer Strawberry Festival and the local variety show Music Mania showcase the charming flavour of this delightful town. the community offers families the convenience of several neighbourhood amenities, such as schools, parks and places of worship, just steps from home. the town boasts a great library, a skate park, a fabulous new community centre with an arena and an indoor pool, and much more to keep you and your children active all year round. inspired by the town’s vintage architecture, the homes at BlueSky Stouffville are designed in a complementary heritage style reminiscent of the town’s friendly,

the 3,154-sq.-ft. cypress Hills, Elevation B, has a luxurious master bedroom on the second level with separate his and her walk-in closets and a spa-like ensuite

hometown character. Beautifully designed with Victorian, French Second empire and tudor influences, the warm exteriors create the most welcoming streetscapes. decorative trim, gable details and delicately pointed arch windows adorn the Victorian-inspired exteriors, creating inviting homes with an antique flair. the sweeping bell roofs, ascending turrets and dormer windows of the French Second empire elevations make a grandiose statement sure to turn heads. And the tudor-style designs with a palette of richly coloured details produce homes with a distinctly organic and comforting presence. Visit the sales centre and four designer-decorated model homes or see a sales representative for more information on the Cypress Hills or any other of Fieldgate’s beautiful homes. The sales centre and model homes are located on the west side of Ninth Line, north of Main St. (Stouffville Rd.). For more information, visit fieldgatehomes.com or call 905.640.0002.

26 nEw HomE GUidE Gta | feb 18 - mar 3, 2012

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IN THE NEWS

MORTGAGE PREAPPROVAL

gives house hunters peace of mind

ith the busy spring house hunting season only weeks away, BMO Bank of Montreal is recommending house hunters get a head start on planning by getting pre-approved for a mortgage before setting out to lock down the perfect home. “Whether it’s a buyer’s first mortgage or fifth, getting pre-approved for a mortgage is one of the first things you should do when you decide to buy a home - even before you start your search,” says Laura Parsons, mortgage expert, BMO Bank of Montreal. “This will give you a better idea of how much you can borrow, how much home you can afford and what your monthly payments will be. When it comes time to make an offer, you’ll be able to act more quickly knowing that your financing is already in place.” Parsons added that if you choose a fixed interest rate, you are guaranteed that rate during the 90-day pre-approval period – keeping you protected if interest rates rise. Furthermore, she advises prospective homebuyers to choose a 25-year amortization, which can save Canadians thousands of dollars in interest rate costs over the life of the mortgage.

BMO OFFERS THE FOLLOWING ADVICE TO PREAPPROVED HOUSE HUNTERS: Once the mortgage has been preapproved, many more important decisions need to be made in fairly short order.

can help you recall important details when it’s time to compare properties and make your decision. For example, the Homeownership tool found through the BMO Marketplace App, available on iPhone and Android smartphones, allows homebuyers to store and track information on properties and access expert advice on-the-go. » Keep in mind your completion costs, even in a new home, for items such as landscaping or a deck. Work with your banker to verify if some of these costs can be incorporated into your mortgage. » Confirm property taxes and the estimated cost of utilities. This information can be obtained by your realtor.

BEFORE HOUSE HUNTING BEGINS » Choose a realtor: A real estate agent can help you find a home to suit your needs and provide expert insight about location, price and neighbourhood services and amenities. » Make a list of must-haves and rank them in order of importance, including access to transit, schools, sports facilities and shops. » Have a full understanding of your budget: The cost of purchasing a new home includes more than the asking ONCE YOU’VE FOUND price. There are costs associated with “THE ONE” moving, lawyer’s fees and property » Obtain a home inspection in order taxes, to name a few. to avoid any costly surprises. NOW THAT YOU’RE ON » Bring your offer to purchase to your THE HUNT banker. Have your documentation » Bring along your must-have list and ready, including income statements check off what fits on each visit. and down payment amount, to get Similarly, take note of any concerns you a quick turnaround on approval. that may crop up. » Review your insurance options for » Use your smartphone to take pictures both mortgage and home insurance. of each property you visit. Photos

28 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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

Actual photo from Rosehaven’s Windfields design in King Country Estates.

lyon’s CreeK BuNGALOW LOFT TOWNS! New 35’ Bungalow Loft Towns & 50’ Singles from the low $300’s.

SALES CENTRE AND MODELS

GARNER RD. E. RYMAL RD. W.

Gibson HeiGHts TOuR 11 MODELS! Towns, semis & attached singles from the $240’s. Plus 47’, 40’ & 36’ lots from $300’s. 4 Inventory.

tiffany Hill TOuR 4 MODELS! Luxury stone, stucco & brick detached homes on 50’, 45’ & 36’ lots from the $370’s.

CONNECT

mount pleasant cOMING SpRING 2012! Detached homes on 45’, 41’, 38’ and 30’ lots plus 25’ attached singles. Register now at lovemountpleasant.com Rosehaven Homes @ThisIsRosehaven

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

029-Rosehaven-Corp 02-18-12.indd 29

Call the Rosehaven Hotline for hours and community information

(1-888 / 416) 410-0175 • rosehavenhomes.com Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

King Rd.

HWY 7

HWY 400

RD. EXIT

Park Heights Trail

HWY 427

TO HAMILTON

03 Y 4 HWY 6/ GARNER HW

GARTH ST.

RAYMOND RD.

WINTERBERRY CONFEDERATION AVE. BLVD. RICHMOND ST.

HWY 406

SALES CENTRE & MODELS

nObLeTOn

LINCOLN M. ALEXANDER PRKWY

HWY 6

NIAGARA RIVER

t. in S

AncAsTeR RICHMOND ST.

HWY 27

THOROLD QEW

Sodom Rd.

s Lyonk Rd. Cree

To Falls

COLLIER RD.

Fort Erie

McLeod Rd.

Marineland Pkwy

cHippAwA / niAGARA

KinG Country estates TOuR 2 MODELS! Elegantly appointed detached homes on 63’, 56’ & 50’ lots from the $730’s. 3 Inventory.

20 Celebrating

YEARS

2/14/12 11:21:06 AM

TAXING ISSUES

Calculating

CAPITAL GAINS TAX — By Henry Choo Chong, cga —

Two years ago, I purchased a new home from a builder in north Toronto. Occupancy is this November and expects to complete transaction in March of next year. My sale price was $40,000 more than the initial purchase price. I have never lived in the property. Thus far, it has all been handled by my lawyer. Will I have to pay capital gains tax on this? How much and can I claim the lifetime exemption? Brian, Scarborough

Capital gains tax is charged on the profit realized from the sale of non-inventory assets. Most common assets are stocks, bonds and real estate. Currently, the income inclusion rate is 50 per cent. The taxable inclusion rate has bounced from inception 50 to 75 per cent, to 66 per cent, to its current rate. Therefore, an individual with capital gains must include in his/her personal tax return, 50 per cent of the capital gain. Yes, this can add up to be a large chunk of change and reduces your actual after tax rate of return on your investment. Where did this tax come from? You say, many countries do not have this! Canadians were first introduced to capital gain tax in 1972. The Canadian government claims this was necessary to finance our social security programs and create a more equitable taxation system. Almost 40 years since and it is still around. Don’t you feel more secure about your social security and equality in our tax system? Some countries such as Belize, Barbados, Cayman Islands, Egypt, and Hong Kong have no capital gains tax. On the other hand, there are many countries with similar taxation to Canada’s such as Bulgaria, Denmark, France, Finland and Iceland. Regardless, if you actually move in or not, you will be subject to capital gains tax on your sale in the year the transaction is completed. Individuals that purchase new or resale homes are treated no differently. Mr. Harper wants his share of the profit.

USING A MARGINAL TAX RATE OF 40 PER CENT IN THE EXAMPLE;

» Capital gains $40,000 » Taxable capital gains (50%) $20,000 » Tax rate: 40% » Taxes payable: $20,000 x 40% = $8,000 Under certain circumstances the lifetime capital gains exemption can be claimed to reduce or eliminate capital gains. An individual that disposes of qualified farm or fishing property and small business corporation shares may claim an exemption up to $750,000. Your particular transaction does not qualify for this exemption. SOME OTHER ISSUES YOU SHOULD PONDER AND DISCUSS WITH A LAWYER AND/OR TAX PROFESSIONAL:

» GST/HST – how will investment be treated on closing? » GST/HST – are rebates available? » Land Transfer tax – How will this be managed at closing? » Is builder okay with this assignment? » Any issues with occupancy? Who takes? » Have you considered the cost of occupancy period?

HENRY CHOO CHONG is a Certified General Accountant. He sits on many committees, and provides accounting and tax advice to individuals and businesses in the GTA. He can be reached at 416.485.5225. Questions to Taxing Issues can be e-mailed to choochonghcga@yahoo.ca

The opinions and views expressed herein are those of the author and not those of New Home Guide. New Home Guide does not necessarily endorse or encourage any specific tax strategies. Please consult a tax professional for advice specific to your particular situation. 30 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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cover story

Empire Communities

embraces new homebuyers

elcoming new homebuyers into the market while providing the best value and style to move-up buyers is at the heart of Empire Communities, where four new home sites in the GTA and Southwestern Ontario have been actively fulfilling that mandate. “Our goal is to provide the best new home value and product in the GTA and Southwestern Ontario. This, combined with the all time low interest rates, will allow first time buyers to get into the market,” says Carrie Alexander, marketing manager. “There is no better time to buy a home.” Empire communities are famous for being family-oriented with a blend of housing styles and sizes, close to existing amenities, schools and recreation. All locations also enjoy proximity to the highways and transit systems for easy commuting or visiting other areas of the GTA and beyond. With an extensive collection of floorplans, there is a home to suit all needs, each finished with the same high level of standard features. In addition, each and every Empire home is ECO2, which means they are Energy Star-qualified plus so much more. Empire Communities makes greener living easy, comfortable and economical – you can enjoy your life with a little extra money in your pocket from the monthly savings on your utility bills. Model homes in each community showcase the value and style that is easily within reach along with the stunning upgrades that are available. In Brantford, for as little as $179,990, a family can move into a townhome at Wyndfield where both country and city are within reach. Wyndfield offers towns, 30-, 36- and 44-ft. homes with floorplans ranging from 1,178 to 2,799 sq. ft. for singles and 1,003 to 1,732 sq. ft. for towns. Binbrook’s Summerlea offers residents a range of urban amenities including Tim Hortons, TD Bank, Shoppers Drug Mart, Fortinos, as well as great retail shopping, first rate health care and all the other services you’d expect in a large city. Here you’ll find detached homes sized from 1309 to 2,799 sq. ft. on 30-, 36- and 44-ft. lots. Kitchener’s master-planned community of

Riverland backs onto the Grand River. The community offers stunning 30-, 36- and 44-ft. detached homes, all within easy reach of daytripping destinations such as St. Jacob’s and Stratford and less than an hour to Toronto. In the near future, Empire will be adding a new community to the area with Victory Ridge in Stoney Creek. This community will also blend townhomes with singles to offer the best of all worlds to all homebuyers with prices starting in the mid-$200s. Like all Empire communities, it will enjoy nearby amenities and will offer Empire’s above-standard level of finishes and built-in value that generate appeal throughout the entire homebuying spectrum. For those who are looking in the east, Empire Communities has Wyndance in Uxbridge. This private gated community nestled amidst nature and a championship golf course designed by World Hall of Fame golfer Greg Norman, features lots starting at 85 ft. wide and a minimum of 200 ft. deep. Located in the unrivalled and rolling hills of rural Uxbridge, yet minutes from everything, Wyndance combines the understated elegance of a gracious country lifestyle with the sheer decadence of true executive living. With two, three and four bedroom designs ranging in size from 1,973 to 4,265 sq. ft., and priced from the $900’s to more than $1 million, this collection of just 125 estate homes conveys exclusivity at every turn. And if all of that newhome excellence wasn’t enough, included with every home purchase is a platinum membership to ClubLink’s Wyndance Golf Course. Wyndance site hours are Monday to Wednesday by appointment only; Thursday and Friday 1 to 6 p.m. and Saturday and Sunday 11 a.m. to 5 p.m. All Southwest site hours are 1 to 7 p.m. Monday to Thursday; 1 to 6 p.m. Friday and 11 a.m. to 5 p.m. Saturday and Sunday For more information, call Binbrook 905.692.6000; Brantford 519.756.4554; Breslau 519.648.9762: Wyndance 905.649.8197 or visit empirecommunities.com.

32 New home guide GTA | feb 18 - mar 3, 2012

032-033 GTA Cover Story Empire.WK.indd 32

2/14/12 3:24:20 PM

EMPIRE COMMUNITIES multi-site

032-033 GTA Cover Story Empire.WK.indd 33

2/14/12 3:24:39 PM

in the news

Canadian housing market TO REMAIN STEADY

ousing markets are expected to remain steady in 2012 and 2013, according to Canada Mortgage and Housing Corp.’s (CMHC) first quarter 2012 Housing Market Outlook, Canada Edition. “With the Canadian economy set to expand at a moderate pace and mortgage rates expected to remain low, activity levels in 2012 in both new home construction and sales of existing homes will stay close to levels seen in 2011,” says Mathieu Laberge, deputy chief economist for CMHC. Housing starts will be in the range of 164,000 to 212,700 units in 2012, with a point forecast of 190,000 units. In 2013, housing starts will be in the range of 168,900 to 219,300 units, with a point forecast of 193,800 units. Existing home sales will be in the range of 406,000 to 504,500 units in 2012, with a point forecast of 457,300

units. In 2013, MLS sales are expected to move up in the range of 417,600 to 517,400 units, with a point forecast of 468,200 units. The average MLS price is forecast to be between $330,000 and $410,000 in 2012 and between $335,000 and $430,000 in 2013. CMHC’s point forecast for the average MLS price is $368,900 for 2012 and $379,000 for 2013. The moderate increases in the average MLS price are consistent with the balanced market conditions that occurred in 2011, and that are expected to continue in 2012 and 2013.

| october 34 Condo New home Guide guide GTA | feb jan 12 18 21--26, mar feb 2009 43,, 2012 2012

034-News CMHC report.WK.indd 34

2/14/12 5:22:31 PM

dreams

Where and families come together in 3 Superb Communities MaRkHaM

MaRkHaM

THORnHill

ND G RANIN G E P O

Detached homes on 30’, 36’ and 40’ lots e

t decor a

odeLs ed M

Detached homes on ravine and estate - 46’, 50’ and 60’ lots

Cornell Ce

ntre Blvd.

t decor a

deLs d Mo

Towns, Semis and Detached homes on 35' and 41' lots

from

525,990

905-472-7667

from

449,990

from

905-201-7700

975,990

905-417-1203

madisonhomes.ca

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

MAD-MULT-A-AD-NHC-DEC1-1.indd 1

12/5/11 9:17:01 AM

035-Madison-Corp 12-10-11.indd 35

2/10/12 5:10:26 PM

2012 EDITION FREE

YOUR FIRST

HOME&CONDO THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME

WHAT YOU NEED TO KNOW ABOUT

MORTGAGES

SPECIALION: CONDO SECT

N URBA LIVING

THE GUIDE TO BUYING AND MANAGING YOUR FIRST HOME CONDO IN THE CITY OR LOWRISE IN THE SUBURBS:

what are your

options?

416.626.4889

SPECIAL EDITION

YFH Cover FEB2012_FEB14.indd 1

2/7/12 6:33:05 PM

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

36 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

036-YFH promo 2012 36

2/14/12 6:13:22 PM

Markham

NEW RELEASE Tour our

Professio ally decoratn ed models

DON’T MISS OUT! Discover why over 800 families have made Cornell Rouge their new-home community of choice.

409,990

from

From 1,737 Sq.ft.

cornellrouge.com

MARKHAM

Cornell Cen tre Blvd.

Freehold Townhomes featuring

2 master bedrooms - each with a Semi-Ensuite

Singles on 30’, 36’ & 40’ lots with attached garages from

525,990

From 2,004 Sq.ft.

905-472-9556

Sales office located at the S/E corner of Cornell Centre Boulevard and 16th Ave.

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

MADI-COR-A-AD-NHC-JAN11-1.indd 1 037-Madison-CornellRouge 01-21-12.indd 37

12-01-12 8:30 AM 2/10/12 5:10:29 PM

Live steps to the l

…and minutes to 47.5 & 50 Ft. Lots

699

$ from

900

up to 3,819 Sq. Ft.

PLUS

10,000

IN BONUS EXTRAS

#" - - " / 5 3 " & 4 50 6 ' ' 7 * - - & 1 0 35 ) 0 1 & 80 0 % 4 50 $ , 1 * $ , & 3 * / (

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2/14/12 7:44:51 PM

e lake in South Rouge…

es to everything else. Move In This Year!

Pickering’s best location is also the area’s best new home value with a fabulous $10,000 bonus package, plus RBC capped 4-year term financing at an incredible rate of just 3.64%*. With the Rouge Valley Conservation Area, the shores of Lake Ontario, quality schools, shopping, amenities and more all minutes away — this unique enclave neighbourhood

of just 26 executive homes is close to everything that’s important to your lifestyle.

Time is running out... Only 7 homes remain! SALES CENTRE

HOURS: Weekends 11am-5pm, Mon to Wed 1-7pm

+VE

/MR

6 IZEPI 8S]R 6SYK

H ERO 6 6SWIF V (V SSH ( YRX 3EO[ S

Or By Appointment 905-509-1088

RMXI

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LOCATED AT: 375 Kingston Rd At Rougemount Dr.

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AC A PHOTOS ACTUAL O OS O OF N NEIGHBOURING G O NG ROUGE O G VALLEY A AND FRENCHMAN’S BAY

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geraniumhomes.com *Available 4-year term to qualified purchasers. Conditions apply. Prices and specifications subject to change without notice. Specific features are as per plan and series. Model home photography may include upgrades. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E. & O. E

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community focus

The Courts of South Rouge

has it all

CLOSE TO THE LAKE AND CONSERVATION LANDS

or their idyllic South Pickering neighbourhood, Geranium Homes has designed a sensational collection of executive homes at The Courts of South Rouge that are “just right” for the active modern family. Of the 26 infill lots, only eight remain available for purchase. When creating the plans for these homes, Geranium took a fresh look at how families really live. Spacious kitchens adjoin the breakfast room and include a chef’s island, a feature purchasers Patricia and Marc Fritsche truly

appreciate. “When I am in the kitchen and we have guests in the family room, I’ll still be a part of the conversation,” Patricia says of the openness to the Great Room. Most of the designs have eliminated a formal living room and put all of this space into providing a large open Great Room/ kitchen configuration that still allows for an elegant dining room. In many plans, a main floor library/home office is also accommodated. “I’ve always thought the living room was such a waste of space,” says Patricia who will be moving

Designs offered in three distinctive exterior elevations

40 New home guide GTA | feb 18 - mar 3, 2012

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GERANIUM HOMES the courts of south rouge Families enjoy the outdoors in South Rouge

Just steps to the Lake

with her family from a home where they’ve resided for 15 years in Brampton. In each of the eight designs, master bedrooms are grand, have plentiful closet space and a sumptuous ensuite bathroom. Ensuite baths are provided for all secondary bedrooms. The Courts floorplans have separate mud and laundry rooms resulting in a spacious main floor family centre/ hobby room with storage and desk/bench provided, and access from the garage. And the laundry room is conveniently located on the second level. Plus, a larger two-car garage will accommodate an area designated for recycling, a work bench or storage. Geranium has also paid attention to creating outdoor space that homeowners can easily enjoy and offers an optional covered back porch for all homes. Attractive exterior architecture influenced by traditional English, Craftsman and French Country, utilizes high quality, maintenance free materials such as clay brick, Hardie Board, stone veneer, stucco and decorative detailing. Each home at The Courts of South Rouge will be built to the company’s own Geranium Green exacting construction standards and will be Energy Star for New Homes performance tested and third-party verified. Deluxe interior finishes include nine-ft. main floor ceilings, oak stairs and railings, stained oak hardwood

Location Pickering

Housing type collection of executive homes on 45- and 50-ft. lots from 2,743 to 3,818 sq. ft.

flooring on main floor and upper hallway, gas fireplace, upgraded cabinetry throughout, granite kitchen countertop and undermount sink and ceramic tile flooring (all as per plan). The Courts is nestled within a mature community on a quiet court in South Rouge, one of Pickering’s most desirable locations south of Hwy. 401. Residences are steps to the Lake and minutes to the Rouge Valley. Nearby are two upscale malls, dining, boutiques, quality schools, and the Pickering Recreational Complex. Pickering GO Transit is located just minutes away. The Courts offers a choice of executive family homes on 45- and 50-ft. lots from 2,743 to 3,818 sq. ft. Priced from $699,900 to the mid-$800,000s, lot premiums may apply. Geranium Homes is the Residential Division of Geranium Corp., one of Ontario’s few fully integrated land development and building companies. Geranium has been creating family communities across Southern Ontario for more than 30 years and has built more than 7,000 homes to date. The sales centre is located at 375 Kingston Rd., Unit #3 in Pickering. Open Monday to Wednesday from 1 to 7 p.m.; Thursday and Friday closed; Saturday and Sunday from 11 a.m. to 6 p.m. Call 905.509.1088 or visit geraniumhomes.com

Sales centre 375 Kingston Rd., Unit #3 in Pickering, open Monday to Wednesday from 1 to 7 p.m., Thursday and Friday closed, Saturday and Sunday from 11 a.m. to 6 p.m.

Contact 905.509.1088 | geraniumhomes.com feb 18 - mar 3, 2012 | New home guide GTA 41

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MORTGAGE FINESSE

Credit&debt MANAGEMENT — By Calum Ross —

s the credit system continues to evolve in Canada, consumers are getting increasingly confused with a greater variety of credit products from a greater variety of financial institutions. In fact, the average Canadian gets more correspondence from financial institutions than they do from family and friends combined (what have we come to?). To complicate matters further, institutions are granting credit to consumers at a pace never seen before. The combination of increasingly sophisticated marketing techniques to consumers coupled with more and more available credit truly becomes too much temptation for many people to bear. Consumer debt is a major crisis in North America. The concept of keeping up with the Jones has destroyed both people’s financial health and their personal lives. What I am here to tell you is that you don’t need to fall into this trap!

HELPFUL TIP: Think carefully before using purchase

HERE ARE SOME SIMPLE GUIDELINES THAT WILL PREVENT YOU FROM BECOMING YET ANOTHER CONSUMER CREDIT VICTIM:

While these rules seem fairly simple, they are a little like a diet – easy to start but tough to follow through. Despite popular opinion, material items will not bring you happiness. While it may not seem like it today, forgoing that purchase to save for your child’s education (or your retirement) may make you feel a lot better in the long run (despite what the commercials may lead you to believe). Until next time – happy home and mortgage hunting.

1. Control spending by knowing exactly where every dollar spent goes. Tracking your spending habits in detail periodically will enlighten you in ways that you never considered. While doing this on a monthly basis is not realistic, try to do this in detail for at least one month a year. HELPFUL TIP: If you and your spouse spend $3 per day on coffee, this totals $1,095 per year. Depending on your tax bracket, this amount could represent over $2,000 in pre-tax income. Is the free coffee at your office that bad? 2. Watch your liquidity closely. Liquidity refers to your or your family’s ability to pay its short-term debt obligations. Watching what available funds you have to pay upcoming debt obligations is fundamental to avoiding credit problems.

programs that require no payments for a set period. If you can’t afford to pay for it now, should you buy it? 3. Develop a realistic budget and live by it always. A good budget must have specific financial goals with a clearly defined time horizon. Be sure to take into account all of your payments, including loans, utilities and dry cleaning. If you pay for it monthly, it should be allocated in your budget. You can’t be too detailed. Most financially successful people are excellent financial planners. They have investment plans, loan repayment plans and a clear idea of how much time they need before they can purchase big-ticket consumer items. HELPFUL TIP: Also be sure to budget for some kind of treat on a periodic basis. All work and no play often results in failure.

CALUM ROSS is senior vice-president and practicing mortgage agent with The Mortgage Centre. He has appeared on Canada AM, Investment Television, BNN and Citytv. He holds an MBA in finance and is an accredited mortgage professional. He can be reached at 416.410.9905.

42 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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Ranked the #1 Team in Canada

Absolutely No Cost To You! As seen on Canada AM, City TV, 1010 Talk Radio, Investment Television... and more

Toronto’s Mortgage Expert The Calum Ross Mortgage Consulting Team of

Call: 416-410-9905

Building loyal clients and business partners through superior financial knowledge and world-class customer service • Rate holds up to 120 days • 5% cash back for 1st time buyers • Simplified approval process even with $0 down! • Low Cost Guarantee Our team will always be able to beat the mortgage package offered by any lender or we will refund to you 110% of the difference

The Mortgage Centre’s unique bid market system has Canada’s top lenders compete for your business! For more information or to apply now please visit our website at:

www.CalumRoss.com * Rates are subject to purchaser/property qualifications and change without notice. Some conditions may apply. 2115 Bloor Street West, Suite 2, Toronto. ON M6S 1M5 **For Mortgage Centre Canada Since 2004 and #1 in Toronto Since 2002

043-Calum Ross-Mortgage 03-09-09.indd 43

feb 18 - mar 3, 2012 | New home guide GTA 43

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in the news

ENERQUALITY ANNOUNCES

2011 awards of excellence winners

rogram celebrates commitment to sustainable, energy efficient building Minto Communities Inc. captured top honours when it was named 2011 Green Builder of the Year and 2011 Leader of the Year by EnerQuality, through the organization’s annual Awards of Excellence program which recognizes leaders in construction who have demonstrated an exceptional commitment to building high-performance, energyefficient, sustainable new housing. Building in residential communities in Ottawa and Toronto, Minto was heralded for demonstrating innovation and excellence through labeling, marketing and sales and for its work in raising consumer awareness and empowering employees to embrace green building. Empire Communities was presented with EnerQuality’s Energy Star for New Homes Builder of the Year award recognizing the company’s exceptional commitment to energy efficiency by integrating labeling of their homes under the Energy Star for New Homes program. In addition, Empire Communities employee Gary Botelho was honoured as EnerQuality’s Energy Star for New Homes Champion of the Year recognizing his initiative, strong support and enthusiasm for the program on behalf the builder. Mason Homes was the winner of EnerQuality’s Best Green Marketing Campaign award for its outstanding work in successfully integrating energy efficiency and a green message into their overall marketing program. The award for EnerQuality’s R-2000 Builder of the Year which salutes an exemplary commitment to building and labeling best-in-class energy efficient new homes under NRCan’s National R-2000 program was presented to Gordon Tobey Developments. Demonstrating both technical excellence and innovation while integrating green, energy efficiency building practices earned Steve Snider Construction Inc. the Building Innovation and Excellence award. Commitment, leadership, advocacy and innovation were all recognized in awards categories that included Industry Partner of the Year, which went to Owens Corning Canada; and Evaluator of the Year, presented to Homesol Building Solutions. The Hall of Fame

Award honoured Bruce Gough, an Ottawa architect and a pioneer in energy efficient housing who was also one of the architects of the Energy Star for New Homes program. While Gough died in 2011 his passion, dedication and commitment to the residential construction industry will have a lasting impact in energy efficient housing in the province. “All 2011 winners represent Ontario’s best and brightest in sustainable building, and are making exciting things happen across the industry. We are privileged to work in an industry with so many true innovators and leaders guiding sustainable building now and for the future,” says EnerQuality President Corey McBurney.

44 New home guide GTA | feb 18 - mar 3, 2012

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H E I G H T S

THE commons

POINT AT WOODBRIDGE

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community focus

COUNTRYWIDE HOMES multi-site

CountryWide Homes

Communities and homes to fit your taste, lifestyle and budget

here is no shortage of choice with CountryWide Homes. Whether you’re looking for a starter home in a vibrant urban community setting that puts you right in the centre of the action or amidst rolling hills and horse farms in a French and Italian inspired stately home, you’ve come to Location Woodbridge, BramptonMississauga, Nobleton

the right builder. With 10 communities spanning across the greater Toronto area, you’ll be sure to find a home that suits your taste, lifestyle and budget. For example, The Point at Woodbridge, located on Major Mackenzie, just west of Weston Road, has recently opened Housing type Woodbridge, singles; Brampton-Mississauga, singles; Nobleton, estate homes

Contact 905.907.1500 | countrywidehomes.ca 46 New home guide GTA | feb 18 - mar 3, 2012

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a model home and has also released a limited series of spectacular Energy Star Stone and Stucco singles starting in the low $500’s. If the town of Brampton is more in line with your families’ preference, you may want to visit the Gates of Countryside Community. The new phase is slated to open on March 3, 2012 and will include various 38and 47-ft. singles. If you prefer to be on the Brampton-Mississauga border, the company’s Credit Manor Community situated on prestigious Mississauga Road will be offering a new release of homes on Feb. 25 starting from the $400’s. This family friendly place is situated within a kaleidoscope of schools and parks and is just minutes away from the Bramalea Go train station. Both Brampton communities are offering designs for those families who intend on getting the most use out of the their homes, as most designs feature secondary entrances to the basement. For CountryWide’s estate communities, take a drive to Upper Thornhill Estates, located on the west side of Bathurst Street, two kilometres north of Major Mackenzie or King Country Estates in Nobleton, on Hwy. 27, just north of King Side Road. Both communities have recently released a limited series of court and conservation lots and the two sites combined feature a total of six spectacular model homes, which will allow you to experience the CountryWide difference at its best. CountryWide Homes is proud of each one of these family friendly communities, so the company invites you to visit all of its sales centres and model homes to discover for yourself the passion, quality, innovation and craftsmanship that goes into each and every CountryWide home. Your new home and builder selection process would not be complete unless you’ve taken the time to visit CountryWide’s Design Studio, where you’ll be able to see, touch and experience an exceptional range of products, installations and finishes to help you make your home a unique and inviting place to live your dreams. It offers 6,500 sq. ft. of fine cabinets, countertops, mouldings, mantles and exceptional flooring materials for you to choose from – including the largest selection of imported European tiles of any homebuilder. Additionally, we suggest that you speak with the creative design consultants, as they will be instrumental in working with you during the structural and material selection process. At CountryWide Homes, you can expect outstanding personal service from people who care about your satisfaction every step of the way. To find out more information about any one of these spectacular communities, please visit countrywidehomes. ca or call 905.907.1500. feb 18 - mar 3, 2012 | New home guide GTA 47

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Model Home Compliments of Beaverbrook Homes www.beaverbrookhomes.com

FEBRUARY2012 beaverbrook homes has been featured as â&#x20AC;&#x153;model home of the monthâ&#x20AC;? as seen in the new home guide model home calendar

YOUR

NEIGHBOUR FOR LIFE

ORY INVENT NCE CLEARA

4 ONLY N ! REMAI

EXECUTIVE SIZED TOWNS Steps from York University, this award- winning collection of townhomes is close to Yorkdale Shopping Centre. 3, 4 AND 5 BEDROOM TOWNHOMES STARTING FROM THE $460’S

NOW UNDER CONSTRUCTION

yorktowns.ca

416-746-1234

DAY

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TOWNHOME LIVING AT QUEEN & CARLAW A select number of beautiful, brand new urban towns lining quiet Boston Avenue, steps from the hip shops and restaurants of Queen St. East, west of the Beach.

TOUR OUR MODEL HOMES TODAY

FROM THE LOW $400’S

LOCATED IN HISTORIC MOUNT ALBERT BUNGALOW AND 2 STOREY HOMES FROM THE LOW $400’S Only minutes from Markham, Newmarket and Stouffville, Victoria! in Mount Albert delivers outstanding value to its residents.

theprintingfactorylofts.ca

beaverbrookhomes.com

416-406-5638

905-473-3308 or 1-866-809-1842

Prices and specifications are subject to change without notice. E. & O.E. Renderings are artists’ concept.

feb 18 - mar 3, 2012 | New home guide GTA 49

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in the news

Two men and a Truck – Canada

First to carry defibrillators on trucks

ll Two Men and a Truck – Canada moving trucks are now equipped with a Mikey defibrillator as part of the “Mikey-onBoard” program, an initiative of The Mikey Network. Working with Emergency Medical Services, Two Men and a Truck Canadian franchisees, their drivers and staffs have been trained to use a “Mikey.” The Mikey Network, a registered Canadian charity, is committed to helping people who experience Sudden Cardiac Arrest (SCA) get a second chance at life. To date, there are more than 1,200 Mikeys placed in high-risk locations across Canada by The Mikey Network, and 12 lives have been saved. SCA is the leading killer of Canadians. More than 10 per cent of occurrences happen in public, and victims who are not revived within three to five minutes usually die. The use of a public-access defibrillator by a trained “target responder” within the first moments can improve the victim’s survival rate by up to 75 per cent. Having Mikeys on Two Men and a Truck vehicles increases the chances of making one accessible when the unexpected happens. Two Men and a Truck franchises are located in Barrie and central Ontario, Brampton, Etobicoke, Halton, Hamilton, Kingston, London, Mississauga north, Mississauga south, Newmarket and Aurora, North Toronto and Thornhill, Oshawa, Ottawa, Richmond Hill and Markham, Toronto midtown, Toronto east and Vaughan-Woodbridge.

There are currently 63 Two Men and a Truck – Canada-branded vehicles on the road. Each moving truck has special logo signage indicating there is a Mikey-on-Board. Says Two Men and a Truck – Canada Chief Operating Officer Dan Hopkins: “We hope we never have to use these Mikeys, but when you consider the physical nature of moving, it makes sense to have defibrillators on our trucks, in case our movers or families involved in a move have a problem. And, there is always the possibility of someone going into sudden cardiac arrest walking down the street, or perhaps being in a car accident. So, with our trucks on the road, we are now in a position to be able to respond should someone need help.” Mikey Network Chairman and President of Heathwood Homes, Hugh Heron, adds, “These moving trucks with their EMS-trained personnel circulate throughout their communities every day and by carrying a Mikey, they carry a second chance at life for people who might be affected by sudden cardiac arrest. This program is a tremendous venture and for Two Men and a Truck in Canada , it’s an industry first. “We challenge other companies with vehicles on the road to follow suit and install Mikeys and have their staff trained in CPR/AED,” says Heron.

50 New home guide GTA | feb 18 - mar 3, 2012

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Fall 2011 | FREE

A look at Ontario's top

ACTIVE-ADULT COMMUNITIES

Focused on resort and golf course communities for today’s active adults.

h hot

TRAVEL DESTINATION

AVAILABLE THROUGHOUT THE GREATER TORONTO AREA AND SOUTHWESTERN ONTARIO.

FOR THE COMING COLD SEASON

LC_Cvr_Fall 11 FINAL.indd 1

Design · Decor · Lifestyle · Travel

9/7/11 3:36:43 PM

FALL 2011 EDITION AVAILABLE NOW!

For your free copy please call 416.626.4889

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

52 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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Feb 18 - Mar 3, 2012

Showcasing new homes in the GTA’s west region

IN THIS SECTION

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

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west region:

Mississauga

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

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

Price Range

Page No.

20 Forest Hill Homes

Derry Village Mississauga

905-795-8307

•

from $490,000

63 8B

27 Dezen Homes

Ravines on Fletcher’s Creek

905-814-7846

•

from $695,000

67 8B

Beaverhall Homes

Shipp Place

905-896-1877

•

Conservatory Group

Central Park North

905-890-0195

•

Thornridge Homes

Forest of Eden Clarkson Village

905-855-9393

Remington Homes

The Neighbourhoods of Churchill in Erin Mills

Bond Homes

Regal Craft Homes

from $590,000

from $465,000

• •

from $410,000

905-607-0660

•

from $305,000

The Neighbourhoods of Churchill in Erin Mills

416-625-3729

•

from $516,000

The Neighbourhoods of m

905-828-7888

•

• •

from $305,000

14 Eden Oak

Estates of Credit Ridge

edenoak.com

•

from $450,000

17 Great Gulf Homes

Garden Villas Three

905-858-7522

• from $282,000

19 Dezen Homes

McLaughlin

905-696-7938

•

from $544,000

23 Dunpar Homes

Park View Trail

416-253-5888

•

from $449,000

11F

24 Bremont Homes

Derry Chase

289-997-5571

•

from $290,000

26 Branthaven Homes

Royal Britannia

1-877-912-9292

from $390,000

Mississauga

Tel

west region:

Site

Fi M ap nd er

Builder

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

# Si te IBC-Inside back cover

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

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Caledon

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Tel

905-792-5118 905-792-5118 905-846-3172 905-874-4741 905-843-0707 AndrinTowns.com 905-584-2225 905-216-5155 yourkingdom.ca lovemountpleasant.com LoveMountPleasant.com 905-770-7002 905-893-3331 519-307-0566 905-794-9981 416-938-3804 905-794-5551 905-792-5118 416-746-1234 905-790-7321 905-789-6523 countrysidemeadows.ca 905-792-5118 905-792-5118 416-410-0175 905-913-0158 416-322-3300 905-793-5607 905-456-9398 905-799-0080 905-799-0080 519-938-8449 starlanehomes.com 905-455-2725 905-434-7797 905-874-0195 905-874-0195 905-457-6841 ballantryhomes.com royalpinehomes.com 905-799-5000 905-794-0211 416-736-6500 905-840-3102 905-434-7797 905-638-1111 905-996-0996 905-794-0366 905-450-9984 905-450-9984 905-794-8875 905-843-8989 416-386-4726 416-386-4726 905-459-0611 greenparkhomes.com 905-584-6444 905-450-9984 905-794-3398 905-230-4663 416-410-9111 416-410-9111 yourkingdom.ca 416-497-5005 905-216-4806 acornhomes.ca 416-410-0175 519-942-3312

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

• • • • • • • • • • • • • • • • • • •

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

•

Price Range from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from from

$250,000 $420,000 $255,000 $334,000 $350,000

$350,000 $370,000 $450,000

$410,000 $341,000 $490,000 $490,000 $310,000 $495,000 $258,000 $290,000 $296,000 $346,000 $258,000 $258,000 $406,000 $500,000 $460,000 $451,000 $292,000 $350,000 $350,000 $434,000 $250,000 $379,000 $500,000 $504,000 $350,000 $550,000 $550,000 $190,000 $436,000 $690,000 $290,000 $499,000 $230,000 $270,000 $285,000 $270,000 $270,000 $520,000 $310,000 $485,000 $270,000 $600,000 $355,000 $600,000 $270,000 $300,000 $310,000 $350,000 $450,000 $410,000 $473,000 $710,000 $250,000

Page No.

45 9M 1 9M 8&9 6P 15 9Q IBC 6M 71 9M 65 8K 1 7Q 45 7Q 5 6P 5 6P 12&13 9K 8M 5A 9L 8O 9K 9M 9M 9M 9M 9M 9M 9M 11L 11L 11L 10J 6o 6N 6N 3D 10K 6P 6P 7Q 7Q 7Q 7P 7P 8L 11K 11K 8L 9L 5B 8M 10K 7O 7O 8K 6M 11K 11K 6p 11L 5H 7O 10K 6P 11K 6Q 7Q 7P 7P 11K 10K 3C

Brampton, Caledon, Bolton

Site

west region:

Builder

Fi Map nd er

Country Wide Homes Gates of Countryside Aspen Ridge Homes Countryside Meadows Mattamy Homes Mount Pleasant North Heathwood Homes Terracotta Village at The Credit Valley Monarch Corporation Strawberry Fields Andrin Homes Turnberry Townhomes Brookfield Homes Pathways Aspen Ridge Homes Credit Manor Heights Country Wide Homes Credit Manor Heights Rosehaven Homes The Neighbourhoods of Mount Pleasant Townwood Homes The Neigbourhoods of Mount Pleasant Primont Homes Castlemore Tribute Communities Landscapes Highcastle Homes Masters Creek Estates Gold Park Homes The Huntclub Of Castlemore VANDYK group of companies Brownstones of Old Brampton Georgian Homes Rivers Edge on Gore Road Aspen Ridge Homes Gates of Countryside National Homes Gates of Countryside Starlane Home Corporation Gates of Countryside Townwood Homes Gates of Countryside Regal Crest Homes Countryside Meadows Greenpark Homes Gates of Countryside Royal Cliff Homes Gates of Countryside Rosehaven Homes Mountainview Heights Townwood Homes Rivers Edge Cachet & Sequoia Riverstone Golf & Country Club Great Gulf Homes Castlemore Crossing Stanford Homes Fletcher’s Meadow Dezen Homes Country Trail Dezen Homes Berkshire Homes Credit Springs Starlane Home Corporation Rivers Edge Conservatory Group Walnut Grove in Spring Valley Carrington Homes Spring Valley H&R Developments Copper Ridge H&R Developments Cobblestones Royalpark Homes The Estates of Credit Ridge Ballantry Homes The Estates of Credit Ridge Royal Pine Homes The Estates of Credit Ridge Pemberton Group Rosedale Village Golf & Country Club Starlane Home Corporation Estates of Valleycreek H&R Developments Estates of Valleycreek Arista Homes Willow Creek Carrington Homes Castlewood Glen Country Green Homes Hansen Highlands Aspen Ridge Homes Harvest Bramalea Gold Park Homes Castlemore Crossing Delpark Homes Brampton Delpark Homes Spring Valley Forest Hill Homes Ravines of Castlemore Coscorp Inc. Strawberry Fields H&R Developments Castlegate Castlemore Country Homes Castlegate Castlemore Lakeview Homes The Estates of Credit Ridge Greenpark Homes Castlemore Oxford Homes Adena Ridge Delpark Homes Fletchers Marydel Homes Caslemore Crossing Falconcrest Homes Timberbank Manors Mosaik Homes Castlemore Crossing Mosaik Homes The Estates of Credit Ridge Regal Crest Homes Credit Manor Heights Falconcrest Homes The Estates of Credit Ridge Mosaik Homes The Estates of Spring Valley Acorn Homes Castlegate Rosehaven Homes Riverstone’s Rivers Edge Devonleigh Homes Inc. Meadowlands

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

# Si te IFC-Inside front cover; IBC-Inside back cover

6 6 9 25 33 38 45 48 48 55 55 60 1 2 3 4 5 6 6 6 6 6 6 6 7 7 7 8 10 10 10 11 12 13 13 14 14 15 16 16 17 20 20 22 27 28 29 30 31 31 32 33 34 34 35 36 37 37 43 44 46 47 48 49 50 51 57 58

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Hamilton 403

d oa E

Burlington Bay

QEW

403

Sid e th

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Jer

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Waterdown Burlington

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Burlington

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17 Rd

1 te

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Flamborough

24 4 on

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401 ill

401

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

Milton

w To

oa d

y. 7

Sid er

Halton Hills Georgetown Ja m

on Br

ne Li

oa d Sid er

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Sid er

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Acton

Stoney Creek

2 34

Grimsby 37

St. Catharines

Niagara 420

058-West Acton-Halton_Map.indd 1

2/14/12 5:53:07 PM

Price Range

Milton Trails

fieldgatehomes.com •

13 Heathwood Homes

Traditions

905-876-3140

•

33 Menkes

The Enclaves of Upper Canada

416-642-8955

•

Great Gulf Homes

Edgewood

905-356-9408

•

from $289,000 12Q

Double Oak Homes

Silver Creek Hollow

905-702-8388

•

from $600,000 9d

Conservatory Group

Milton Heritage Homes

905-875-1953

•

from $275,000 9g

Arista Homes

Milton Trails

905-864-3306

Sunfield Homes

Spring Creek

905-690-6596

•

from $290,000 8m

Eden Oak

Spring Creek

905-844-6215

•

from $238,000 8m

Eden Oak

Spring Creek

905-844-6215

•

from $238,000 8m

11 Tobyn Park Homes

Village of Walkers Green

905-319-8455

•

from $270,000 11l

12 Sundial Homes Limited

Alton Village

905-319-0384

•

from $250,000 10k

13 Lakeview Homes

Morrison Village

1-888-746-2999

14 Coscorp Inc.

Milton Brook

www coscorp.ca •

15 Rosehaven Homes

Waterdown Meadows

waterdownmeadows.com •

• 8m

15 Aspen Ridge Homes

Waterdown Meadows

905-690-2324

•

from $330,000 8m

17 Mattamy Homes

Hawthorne Village

905-875-2692

•

from $261,000 9G

18 Parkbridge Lifestyle Communities Inc. Antrim Glen

1-800-856-4318

•

from $250,000 1O

20 Parkbridge Lifestyle Communities Inc. Cherry Hill at Vineland

1-800-479-9777

•

from $250,000 12R

22 Country Green Homes

905-690-7600

•

24 Starlane Home Corporation Maplewood Meadows

416-736-6500

•

from $304,000 9G

26 Eden Oak

Weaver’s Mill

weaversmill.com/nh

•

from $290,000 6B

27 North Star Homes

Valleygreen

northstarhomesinc.com •

from $310,000 9H

28 Intracorp

Foothills

905-864-8997

•

from $490,000 8H

32 Starlane Home Corporation

Mountainview Heights

starlanehomes.com •

from $428,000 9m

34 Phelps Homes

Lakeside Estates

phelpshomes.com •

from $696,000 5Q

35 Phelps Homes

Jordan Village

phelpshomes.com

•

from $345,000 9R

36 Phelps Homes

Brookside

phelpshomes.com

•

from $236,000 7R

37 Phelps Homes

Streamside

phelpshomes.com •

from $316,000 6R

38 Phelps Homes

Magnolia

phelpshomes.com •

from $400,000 7R

Park Place Village

•

• •

Page No.

•

from $370,000

25&Insert 9H 15 8h 6&7 9C

• • 11R from $386,000 9h

• • 8m

Acton, Halton Hills, Milton, Burlington, Waterdown

Tel

west region:

Fieldgate Homes

Site

Fi Map nd er

Builder

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

Si te

# IBC-Inside back cover

059-West Acton_Halton_index.indd 55

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M id d

pe or

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E La bec ke ca sh or St e Rd

ate

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tW sS da Du n

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Up p

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Devo

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Ro ya ll R l W in d d

tw ar

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403

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Oakville

rlo

ush R

Pineb

401

s Dr

Frank

tio

e Rd

u Aven

sS t dr ew

Main

Cambridge

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

eim R

Blenh

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

Elgi

Clyde

St.

ler Rd

lin Blv

Lang

Hespe

Oakville, Cambridge

h Ave

tain

west region:

Guelp

rdale

n essio

Foun

Beave

ck Rd

le Blo

Midd

Conc

s Rd

Myer

060-West Oakville Map.indd 88

2/14/12 5:53:10 PM

Monarch Corporation

Bronte Creek

monarchgroup.net

•

Menkes

Millstone On The Park

905-825-3619

•

from $350,000

Orchard Ridge Homes

Tanglewood

905-469-9338

•

from $300,000

Dawn Victoria Homes

North Morrison House

905-822-5000

• from $540,000

Fernbrook Homes

Bronte Creek

905-847-6377

•

from $550,000

Legend Creek Homes

Bronte Creek

905-827-6441

•

from $410,000

Branthaven Homes

Bronte Creek

905-847-5376

• • from $470,000

Monarch Corporation

The Manors a Bronte Creek Enclave 416-495-3563

•

from $700,000

National Homes

Glen Abbey at Westmount

416-746-1234

•

Century Grove Homes

Upper Glen Abbey Estates

905-465-1379

•

from $470,000

Tribute Communities

The Courtyard Condominium Residences

905-257-6200

• from $260,000

Rosehaven Homes

Woodland Trails

liveinoakville.ca

• •

from $420,000

Starlane Home Corporation Woodland Trails

starlanehomes.com •

• •

from $391,000

Page No.

IBC 3G

6&7 3G

Oakville, Cambridge

Price Range

west region:

Tel

Fi M ap nd er

Site

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

# Si te

Builder

061-West Oakville_index.indd 1

2/14/12 5:53:11 PM

FINANCES

When living together MEANS LIVING BETTER

re you thinking about moving in together? This decision might be an opportunity to improve your financial situation by combining your income and expenses and doing some long-term planning. ADVANTAGES OF A RELATIONSHIP Being a couple is bound to have an impact on your income and expenses. Living under the same roof is much less expensive than living alone. You can save a great deal on the costs of electricity, heating, telephone, Internet, groceries and automobiles â&#x20AC;&#x201C; not to mention, rent. HAVE A FRANK DISCUSSION Before you combine your finances, it is important to talk to your future spouse to get a better idea of your

spending habits, income, debts and savings. Discuss the possibility of opening joint accounts (chequing or savings) to cover your essential household expenses or to save money. You might also choose to keep a personal account for your other expenses. Whatever choices you make, you should agree on how your joint accounts are to be used, and the amounts you will each deposit in them. Also take the time to assess your banking habits and make sure that you have the bank accounts that meet your needs. It could help you save money. SEEK A BALANCED APPROACH Once you have agreed on the lifestyle you would like to have, you can draw up your budget to obtain an overview of your total income, your essential and non-essential expenses and your ability to save. You may not particularly enjoy drawing up a budget, but simply setting objectives, such as purchasing a house or condo and saving for your childrenâ&#x20AC;&#x2122;s education if planning to have a family, will motivate you to draw up your budget and, more importantly, to stick to it. More information about how to draw up a budget and choose a suitable bank account is available online on the Financial Consumer Agency of Canada (FCAC) website, fcac.gc.ca. You can also follow @FCACan on Twitter and on YouTube. NC

62 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

062 finances_When living together means living better.WK.indd 62

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MISSISSAUGA

Prime Mississauga Location

Sensational Semis & Singles View our Decorated Model Homes Today!

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from 1,701 sq.ft.

THOUSANDS IN EXTRAS INCLUDED * On East side of McLaughlin Rd., just N. of Derry Road

foresthillhomes.ca 905-795-8307

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Hours: Mon. - Thurs. 1pm - 8pm, Fridays by appt, Sat., Sun. & Hol. 11am - 6pm *As per applicable Bonus and floorplan. applies to firm purchases only between January 31st - March 31st, 2012. May not be included in finished/inventory homes. See sales representative for details. All renderings and photographs are artist’s concept. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonuses are subject to change without notice. E. & O.E..

FORE_DER_A-AD-NHC-JUNE16-1.indd 1

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063-Forest-Derry 10-29-11.indd 63

2/13/12 1:28:54 PM

Spallacci_EdenPark_PHASE3_NHC.pdf

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SPALL ACCI

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

064-Spallacci-EdenPark 02-18-12.indd 64

2/10/12 5:10:49 PM

Our pathways finally cross! With premium townhomes coming soon to Pathways, now you too can live in beautiful Caledon East.

300’s Townhomes

from the mid

New Release o f 50’ S i n gle s! Townhomes C om i n g S o o n

PathwaysCaledon.ca 905-584-2225

Parkside homesites coming soon

Presentation Centre

Kin gS M id ay fie eroa ld d Rd

PathwaysinCaledonEast

Rd King Blvd way Zen 7

r yD wa re Go

At Ai chis rp on or D CALEDON t Rd r

EAST

Well-appointed homes: • Hardwood floors • Kitchen islands • 9’ ceilings • Granite countertops • 5 appliances

Rd ke La is Inn

Townhomes C om i n g S o o n

Ol dC hu rch Rd

New Release o f 50’ S i n gle s!

LIMITED RELEASE! OPENING FEB. 25

427 409

407 410

Pearson Int. Airp.

401

Presentation Centre Hours: Mon-Thurs 1-7pm, Sat & Sun 11am-6pm Closed Fridays

PathwaysCaledonEast.blogspot.com

Prices and specifications are subject to change without notice. The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada. Used with permission. E.&O.E.

BROO 3978 NewHomeGuide-7.5x10.5-F.indd 1 065-Brookfield-Pathways 02-18-12.indd 65

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FREE february 2012 volume 8 issue 2 www.homedecorandrenovations.com

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Featuring the newest products and hottest design trends for your home, inside and out. 416.626.4889

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66 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

066-H&D promo.indd 66

2/14/12 4:13:06 PM

feb 18 - mar 3, 2012 | New home guide GTA 67

067-Dezen-FletcherCreek 02-04-12.indd 67

2/10/12 5:11:02 PM

Around The House

The heat is on…

Ways to stay warm at home – without turning up the heat! — By Yanic Simard —

he winter months really seem to drag on here in Canada, and cranking up the thermostat and racking up your hydro bill isn’t the only way to keep warm! Though we’re so close (yet so far!) to the tail end of this weather, I can guarantee we haven’t seen the end of the sub-zero days this year. Keep these creative ideas in your back pocket for those frigid days ahead!

Modern Technology »E co-Heater This is a heater that mounts to the wall, it’s not even one inch thick and it weighs less than 10 pounds! The best part about it is that you can paint it! Paint it the same colour as what’s on your walls and you’ll forget it’s even there while saving up to 50 per cent on your heating bill. Check it out at aviva.ca

»H eated glass towel warmer Getting out of a hot shower shouldn’t lead to feeling cold immediately when you step out! Thermique has a line of beautiful free-standing towel warmers that works with a sheet of heated glass – it’s a beautiful piece that will look good in any bathroom space. Available at Canaroma. »B onaire Digital Fireplace This is another ultra-thin unit, only five inches in depth. It’s great for those who live in condos who can’t have the luxury of a real fireplace. With it’s beautiful LED screen, the look alone will add warmth to your space without even turning up the heat. Available at Home Outfitters.

Continued on pg. 70 68 New home guide GTA | feb 18 - mar 3, 2012

068-070 Around The House-Yanic-The Heat is On.WK.indd 68

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We’re so much closer since we discovered

NIAGARA

Now that the kids have moved out, we want to spend more time on ”us”. And Niagara Falls makes all the difference! It’s like we’re newlyweds again…A romantic day in wine country? A night at the Casino? At Lyon’s Creek in Chippawa we’re close to everything. Shops. Golf. The river. And each other! Our new home is perfect for us and it’s so affordable. A quiet neighbourhood, just down the street from the Falls. What took us so long to discover Niagara?

A wide variety of Bungalows, Bungalow Towns, Semis & Detached Starting from the mid $200’s

homesbydesantis.com

s Lyonk Rd. Cree

To Falls

. Po

NIAGARA RIVER

n St

Mai

Sodom Rd.

Fort Erie

McLeod Rd.

Marineland Pkwy

Chippawa

rta

rosehavenhomes.com

289•296•4258 Prices and specifications correct at press time. E. & O.E. Prices quoted are in $ thousands.

069-Multi-LyonsCreek 02-04-12.indd 69

2/10/12 5:11:05 PM

ArounD ThE housE continued old MeThodS TUrned neW » humidifiers humid air makes the temperature feel hotter than it really is. Yes, I know when you think of a humidifier you’re thinking big, bulky and ugly – but you’d be surprised at all of the modern options available today. I recently came across a really adorable one at home outfitters – it’s very compact making it perfect for travel, and it works with the use of your own water bottle! available at home outfitters.

» heated blankets Electric blankets aren’t what they used to be. They once only came in a few colours and sizes, and only had one setting. Today, that’s all changed. Many have thermostats that let you pre-heat them so they’re ready for you after a long day of work; you can set the time when you want for it to turn off and then turn back on again. Plus, you can lower your thermostat for your home at night and use just the blanket to keep warm! And don’t even think you need to hand-wash these because they’re electric – most of them go right in the washing machine! available at home outfitters.

“Sites” to see... CAnAroMA canaroma.ca

IronWorKs rADIATors ironworksradiators.ca

hoME ouTFITTErs homeoutfitters.com

BEnJAMIn MoorE benjaminmoore.com

AVIVA aviva.ca

» Bialetti hot chocolate Maker What’s better than a cup of hot chocolate on a day that’s below zero? Well, maybe a shot of vodka – but hot chocolate is good for all ages! I found this machine that is designed specifically to make your favourite cup of the good stuff – simply pour in some milk, chocolate shavings, turn the dial, and in a matter of minutes, a rich, creamy cup of hot chocolate awaits you. available at home outfitters. » radiators Traditional radiators can bring character and a classic feel to any home without having to look aged or outdated. re-finishing and re-furbishing an old radiator is just one of the things Ironworks radiators can do for you. They can paint your radiator in the colour of your choice, to blend in with the colour of your walls or in a vibrant tone to stand out like a piece of artwork. » Knits A matching knitted hot water bottle and sock set is all you need to keep you feeling cosy and looking cute around the house this winter! make Your own or find them at home outfitters.

oTher TIPS » open blinds/curtains during the day to let the sun shine in. » Warm colours and plenty of soft furnishings will give you the perception that your home feels warmer. Try Benjamin Moore’s raspberry Truffle, 2080-10. » heat rises, so reverse your ceiling fan to push the heat back down toward where you are. » Invite people over – collective body heat makes for a warmer space… and an excuse to have a party!

YaniC simard Yanic is the principal designer of Toronto Interior Design Group. Specializing in residential and commercial projects, Yanic often applies his signature high/low and old/new combination techniques in developing his unique designs. He has created designs for clients in Toronto, montreal and miami, and appears as a regular guest expert on Citytv’s CityLine. Visit tidg.ca for more information.

70 new home guide gta | feb 18 - mar 3, 2012

068-070 Around The House-Yanic-The Heat is On.WK.indd 70

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COMI NG

SOON

Artist Concept

TOWNHOMES BY THE GOLF COURSE IN BRAMPTON Golfers and non-golfers alike will recognize the unparalleled sophistication and value offered at Turnberry Townhomes - Brampton’s most distinctive address. Located at Bovaird and Heart Lake Road, the beauty of the wide-open vistas and well-manicured fairways of Brampton’s newest 18-hole golf course truly sets the Turnberry community apart. Now the ﬁnal residential phase of this development will soon be released by Andrin – a collection of fabulous new townhomes just moments away from the course, clubhouse and NINE18 Restaurant.

REGISTE R NOW: An dr inTo w n s. c o m feb 18 - mar 3, 2012 | New home guide GTA 71

ANDR-TUR-A-AD-NHC-JAN16-3.indd 1

12-01-16 4:41 PM

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»» now available! GET YOUR FREE COPY OF THE 2012 MODEL HOME CALENDAR

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AR MODEL HOME CALEND

utiful new homes of the GTA’s most bea An exclusive collection

01-NHGTA Cover 2012-FIN.indd 1

11/18/11 2:27:16 PM

2012

MODEL SUITE CALENDAR

GET YOUR COPY NOW!

An exclusive collection of the GTA’s most beautiful new condos

model h ome

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01-CGGTA Cover 2012-FIN.indd 1

ALSO AVAILABLE FOR NEW CONDO GUIDE AND NEW HOME AND CONDO GUIDE SWO

11/18/11 2:20:32 PM

01-NHSWO

Cover 2012-F

IN.indd

416.626-4889 11/18/11

2:15:45 PM

M E E T YO U R M AT C H AT

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

072-2011 Calendar NH Promo.indd 72

2/14/12 4:13:15 PM

Feb 18 - Mar 3, 2012

Showcasing new homes in the GTA’s central and north regions

IN THIS SECTION

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

073-NH Cent Sec 02-18-12.indd 73

2/14/12 3:26:09 PM

074-CentralRegion_Etob_Map.indd 70 Pape Ave.

14 35

Main St

Gerard St

e Av

n to gs

r D rton

sto

401 44 2A 53 26

Sheppard Ave E

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

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

ve nA lva Sy

ng Ki

Galloway Rd

DVP

9 50

n Ki

Manse Rd

Bay St. University Ave.

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

Passmore Ave

Centennial

Lakeshore Blvd W

t Rd

Ossington Ave. Dovercourt Rd.

Horner Ave

rlet

Logan Ave.

Danforth Ave.

42 83

East Ave

Christie St.

Evans Ave

Dufferin St

Spadina

Dundas St. W.

Don Valley Pkwy

QEW

Keele St.

QEW 4

Bathurst St.

Queensway

Yonge St.

O'Connor Dr. Cosburn Ave

Woodbine Ave

Jane St

Dufferin St

Avenue Rd Bloor St.

Laird Dr

Dupont St.

St Clair Ave E

Pharmacy Rd Victoria Park

Davenport Rd.

Warden Ave

Dundas St W

Sca

Eglinton Ave E

o Brim

McCowan Rd

St Clair Ave.

Allen Expressway

Leslie St

Ave E

Eglinton

Birchmount Rd

Yonge St

Sheppard Ave E 7 Milner Ave

Progress Ave

Lawrence Ave E Brimley Rd

80 Rogers Rd

Dufferin St

Va u

Bathurst St

Eglinton Ave W

y Pkwy

Eglinton Ave W

Caledonia Rd

Briar Hill Ave

Ellesmere Rd

401

Huntingwood Dr

Finch Ave E

Bellamy Rd

Bloor St W

ng s

kR y

Keele St

to n

ee ew e

13 Steeles Ave.

McNicoll Ave

Markham Rd

Rathburn Rd

427

Kipling Ave

ck Tre th

York Mills

401

Don Valle

W es

51 Sheppard Ave E

Lawrence Ave E

Ave

Th e

Bla

Scarborough Golf Rd

Martin Grove Rd

Kennedy Rd

Westway

Finch Ave W

Drewry Rd

Pleasant Ave

Orton Park Rd

Islington Ave

401

pressway

Dixon Rd

Allen Ex

Jane St

Wilson Ave

Bayview

400

Mills

401

Weston Rd

Don

409

Signet Dr

ale

Midland Ave

Humberline Dr

Dufferin St

Finch Ave W

ion

Alb

McCowan Rd

Alness St

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

Tapscott Rd

Morningside Ave

Neilson Rd Morrish Rd

Sewells Rd Conlins Rd

Reesor Rd

Beare Rd

Meadowvale Rd

Da n

central region:

Port Union Rd

Coxwell Ave

Parliament St Sherbourne St Jarvis St.

Lansdowne Rd.

Roncesvalles Ave.

Park Lawn

Royal York Rd

Renforth Dr

2/14/12 5:53:13 PM

Price Range

• from $190,000

Page No.

Westown

hr-newhomes.com

Beaverbrook Homes

The Printing Factory

416-406-5638

•

from $400,000

49 10H

Fieldgate Homes

Corktown Mews

corktownmews.ca

•

from $550,000

25&Insert 9H

Mattamy Homes

Cornell

905-471-1133

•

from $362,000

Menkes

Humber Mews

416-642-8955

•

6&7 3I

6&7 8B

Menkes

Bloom Park Towns

416-642-8955

•

CANALFA

Liberty Towers

416-537-0047

Tiffany Park Homes

Botany Hill Townhomes

416-439-0789

•

Camrost Felcorp

iLoft at Mystic Pointe

416-251-8888

Treasure Hill Homes

Goldhawk Gardens

treasurehillhomes.com •

Oz Properties

Garden Towns

416-898-5100

V.H.L Developments Inc.

Markham Place.com

Aspen Ridge Homes

Longo Corporation

• from $256,000

21 5C

BC 7G

from $300,000

15D

• from $273,000

14B

•

416-321-8868

• • from $130,000

15c

VÜ

416-970-9500

• • from $690,000

New Corktown

416-916-0011

•

from $400,000

Inaugural Source Development Cobblestone Lane

416-286-3888

•

from $250,000

16D

Tribute Communities

Canterbury

647-352-2130

•

from $700,000

Pemberton Group

The Uptown Residences

416-987-3500

Intracorp

Rivertowne

416-406-1700

•

• from $400,000

from $385,000

10H 10H

Marion-Hill Development Corp Rivertowne

416-406-1700

•

from $385,000

Tribute Communities

The Village at York University

416-739-0100

•

• •

from $334,000

Regal Crest Homes

Centennial Gardens

416-686-0556

• • from $242,000

13G

Beaverbrook Homes

Evolution

416-747-9691

Conservatory Group

Oakdale Village

416-243-0511

•

from $323,000

Conservatory Group

Upper Beach

416-698-7796

•

• •

from $400,000

12H

Forest Green Homes

Lexington On The Green

416-235-0220

•

from $208,000

Conservatory Group

Port Union

416-287-3128

•

from $310,000

18E

Cresford Development Corp.

Windermere by the Lake

416-977-5300

• • from $200,000

Pemberton Group

Park Lake Residences

416-769-4343

Josh Construction

Westgate Gardens

905-660-3269

•

from $190,000

The Residences of Bathurst & Ellerslie 416-570-6300

• from $270,000

• from $180,000

Aspen Ridge Homes

•

from $499,000

Inaugural Source Development Windwood Village

416-603-7001

•

from $265,000

16E

Beaverbrook Homes

University Square

416-246-1202

• •

from $390,000

Beaverbrook Homes

Yorktowns

647-259-0733

•

from $460,000

Hallstone Homes

Basswood Park

905-482-0270

•

from $620,000

Monarch Corporation

Evergreen

416-495-3526

•

from $395,000

14F

Stafford Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

Brookfield Homes

The Bell Estate

416-693-6800

•

from $335,000

12G

Aspen Ridge Homes

Scenic On Eglinton

416-805-1781

•

from $350,000

10F

Ballymore Homes

Carrington Place

416-287-8676

•

from $406,000

17D

Sentex Homes

Estates of Guildwood Village

416-266-5121

•

from $610,000

16F

Dunpar Homes

Islington Village

416-253-5888

•

from $469,000

Dunpar Homes

Bloor Village

416-253-5888

•

from $515,000

Georgian Homes

Clairlea Gardens

416-233-9000

•

from $218,000

12F

Tribute Communities

Queen and Portland

416-430-0011

• from $350,000

Tribute Communities

RCMI

416-363-4800

•

Tribute Communities

Queen and Portland

416-363-4800

• from $350,000

Menkes

Aria

416-493-8801

•

• •

Fernbrook Homes

Aria

416-493-8801

•

• •

from $700,000

11C

Cityzen

Aria

416-493-8801

•

• •

from $700,000

11C

Inaugural Source Development Arbour Green

416-920-4400

•

from $355,000

Tribute Communities

1717 Avenue Road

416-430-1717

Stafford Homes

Keystone Mews

416-757-6684

• •

from $475,000

11F

Inaugural Source Development Roehampton Lane

416-920-2900

•

from $740,000

Aspen Ridge Homes

Studio

647-352-7736

• from $350,000

H&R Developments

Berczy Square

hr-newhomes.com •

Aspen Ridge Homes

Seventy Seven Charles

416-203-7034

• • from $1400,000 9H

from $700,000

•

11C

13F 8C

Your Home Developments

Nature’s Path

647-340-6972

•

from $280,000

17E

Brandy Lane Homes

Village Mews

416-651-6555

•

from $470,000

Arista Homes

Lilly Factory Towns

416-792-4872

• •

from $395,000

12G

Glen Rouge Homes

Highland Creek

416-282-2296

•

from $785,000

17C

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

Tel

H&R Developments

central region:

Site

Fi Map nd er

Builder

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

# Si te

075-CentralRegion_Etob_index.indd 69

2/14/12 7:51:24 PM

076-Cent North1_Vaughn_Map.indd 72

Steeles Ave W

ence

Clar e

Kipling Av

Isl on 48

t ing

Huntington

Langstaff Rd

21 24

400

Major Mackenzie

Teston Rd

Weston Rd

King-Vaughan Rd

400

9 King Rd

Rutherford Rd

Maple

Centre St

Clark Ave W

Thornhill

12 43

33 28

23 16

31 44 7

Langstaff Rd

Dufferin St

Kirby Rd

Pine Valley

City of Vaughan

Jane St

Nashville Rd

Keele St

Hwy. 27

Cold Creek

central region: Vaughan, Maple, Woodbridge, Thornhill

Bathurst St

e Av

12 Line R

2/14/12 5:53:16 PM

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

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

Tel

Price Range

Page No.

Country Wide Homes

Kleinburg Hills

KleinburgHills.com •

45 4F

Aspen Ridge Homes

Kleinburg Hills

aspenridgehomes.com •

1 4F

Aspen Ridge Homes

Dufferin Ridge

aspenridgehomes.com

•

from $490,000

1 13G

Madison Homes

Thornhill Ravines

905-417-1203

•

from $976,000

35 14g

Country Wide Homes

The Point at Woodbridge

905-907-1500

•

from $500,000

45 8E

Country Wide Homes

Upper Thornhill Estates

905-907-1500

•

from $800,000

Aspen Ridge Homes

King Oaks

905-539-0181

•

from $1200,000

IFC,1 12A

Great Gulf Homes

King Oaks

greatgulfhomes.com •

from $1100,000

85 12A

Regal Crest Homes

Vellore Village

905-653-2983

•

from $1300,000

Primont Homes

Castle Springs

905-417-3386

•

from $450,000

11C

H&R Developments

Thornberry Woods

hr-newhomes.com •

from $766,000

13G

Tiffany Park Homes

Thornberry Woods

905-417-0076

•

from $530,000

13G

The Remington Group

Vellore Village

905-653-0104

•

from $481,000

Fieldgate Homes

Thornhill Woods

416-623-1322

•

from $460,000

14G

Cityview Homes

Thornhill Woods

416-837-9157

•

from $430,000

14G

Falconcrest Homes

Vasari

905-850-1770

•

from $400,000

Century Grove Homes

Ravines of Dufferin

905-417-4682

•

from $410,000

13F

Summit View Homes

The Summit of Valleybrooke

905-417-7980

•

from $300,000

45 14E

Century Grove Homes

Upper Thornhill Estates

905-585-3255

•

from $445,000

14D

Forest Hill Homes

Promenade Park

905-709-3352

• from $400,000

14J

Queensgate Homes

Coronation

905-417-3002

•

from $470,000

14G

Gold Park Homes

Thornhill Estates

905-417-0985

•

from $590,000

13E 8F

Rose Valley Homes

Vellore Village

1-877-904-6402

•

from $329,000

Madison Homes

Legacy

905-303-1118

•

from $846,000

14G

Primont Homes

Eagle Hills

905-305-8871

•

from $720,000

13F

Century Grove Homes

The Valleys of Thornhill

905-417-4682

•

13F

Century Grove Homes

Vellore

905-832-4585

•

from $525,000

Townwood Homes

Mackenzie Ridge Estate Homes

905-832-5202

•

from $870,000

13F

Aspen Ridge Homes

Fairways at Eagles Nest

905-553-3401

•

from $450,000

13E

Fieldgate Homes

Vaughan Valley Estates

905-303-4728

•

from $480,000

Arista Homes

Vaughan Valley Estates

905-303-1929

•

• •

from $410,000

Minto Communities Inc.

Roxborough

905-832-8934

•

from $610,000

14F

Forest Hill Homes

Bridle Path of Thornhill

905-417-8231

•

from $980,000

13F

Arten Building Urban Lifestyle Nouveau Town-Manors in Old Richmond Hill 905-653-7640

•

from $400,000

11E

Maren Group

Nouveau Town-Manors in Old Richmond Hill 905-653-7640

•

from $400,000

11E

H&R Developments

Roxborough in the Valleys of Thornhill hr-newhomes.com

•

from $423,000

14F

H&R Developments

Thornhill Woods

hr-newhomes.com •

•

from $374,000

14H

Hallstone Homes

Clairtrell Mews

905-886-5757

•

from $670,000

15K

Starlane Home Corporation Weston Woods

416-736-6500

•

from $555,000

Flato Developments Inc.

Montebello

905-731-2000

•

from $390,000

11D

Liberty Development

Centre Park Townes

905-731-8302

from $399,000

13I

Tiffany Park Homes

Valleybrook Estates

905-303-1620

from $320,000

National Homes

The Valleys of Thornhill

416-746-1234

•

from $600,000

14F

Villa Royale Homes

Vellore Village

905-653-6000

•

from $450,000

Dunpar Homes

Riverside Village

416-253-5888

•

from $519,000

Primont Homes

Rothbury Ravine Estates

905-305-8871

•

from $675,000

13f

Forest Hill Homes

Thornhill Ravines

madisonhomes.ca •

from $690,000

14g

ELM Developments

Baker’s Lane

905-771-8880

• •

from $480,000

13H

Beaverhall Homes

Regency Estates

905-265-2634

•

from $1250,000

Graywood Developments Ltd Regency Estates

905-265-2634

•

from $1250,000

Zancor Homes

905-833-0883

•

from $550,000

12A

Royal Collection

central region: Vaughan, Maple, Woodbridge, Thornhill

Site

M Fi ap nd er

Builder

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

# Si te

077-Cent North1_Vaugh_index.indd 71

2/14/12 7:51:25 PM

road

Side

Bloo

D 22

Rd King 20 24

St Yonge

404

Ave

on ingt

Bayview

Leslie S

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15 16 14

19th

Ave.

ble R

Gam

I J

23 n Elgi

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Mill

Neal D

8 19 18

404

Leslie

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Reg

L M

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Ma ajor

Str

ath

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. Ave

am Denh

16th

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central region: Richmond Hill

Mill

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

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

078-Cent. Richmond_RH_Map.indd 60

2/14/12 5:53:19 PM

Aspen Ridge Homes

MacLeod’s Landing

905-508-8200

Aspen Ridge Homes

Kettle Lakes Club

LeBovic Homes

Bond Lake Village

Price Range

•

Page No.

•

from $450,000

1 4F

aspenridgehomes.com

•

from $400,000

IFC ,1 6D

905-773-6549

•

from $390,000

25&Insert 6F

•

from $500,000

90&91 4H

14 Arista Homes

Jefferson Forest

15 Madison Homes

Jefferson Forest

905-770-8661

•

from $500,000

90&91 4G

15 Forest Hill Homes

Jefferson Forest

905-770-8661

•

from $500,000

90&91 4G

16 Fieldgate Homes

Jefferson Forest

•

from $500,000

90&91 4H

Tribute Communities

Inspiration

905-884-8323

•

from $625,000

Pemberton Group

The Royal at Bayview Glen

905-709-5700

• from $190,000

Queensgate Homes

Fontainbleu

905-773-5213

•

from $430,000

Primont Homes

Heritage Hollow

905-884-7799

•

from $347,000

Primont Homes

The Estates at Heritage Hollow

905-884-7799

•

from $339,000

Delpark Homes

Valleybrook

905-737-7132

•

from $400,000

11 Primont Homes

Coronation

905-417-3386

•

from $498,000

13 Fairgate Homes

Amity Richmond Hill

905-640-1708

•

from $630,000

17 Heathwood Homes

The Reserve at the Woodlands

416-637-3520

•

from $748,000

18 Heathwood Homes

Silverwood Lane

heathwoodrichmondhill.com •

•

19 Heathwood Homes

Forestbrook

heathwoodrichmondhill.com •

from $583,000

20 North Star Homes

King’s Crossing

416-291-9666

•

from $440,000

22 Best Homes

King’s Gate

905-773-5277

•

from $450,000

22 Best Homes

King’s Gate

905-773-5277

•

from $450,000

23 North Star Homes

Silverwood Lane

416-744-0214

•

from $470,000

24 Country Wide Homes

The Augustine Collection

905-907-1500

•

from $450,000

Richmond Hill

Tel

central region:

Site

Fi M ap nd er

Builder

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

# Si te IFC-Inside front cover

079-Cent. Richmond_RH_index.indd 75

2/14/12 7:51:26 PM

080-Cent. North2_Nmrkt_Map.indd 76

grove

in Woodb

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Hwy. 4

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Denison

McDo

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11 Con

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47 hn's

St Jo

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Hwy 7

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ts eigh

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Ave

Bayvie

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Dr lock 61 Bul 7 y Hw

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404

Kenne

Town of Newmarket

Orch

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Dr avis

Elgin

Leslie S

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17 20

Rd ton ming Bloo

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Milla

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

esda Beth

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

404

oad

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hn's St Jo

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orf d Van

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Spruce

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Town of 50 Markham

404 y 31 Pkw 81 het Cac

9 Line

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in Woodb

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Bayview Av e

McCow

Thornhill

Town of Markham

Town of WhitechurchStouffville

Ave Warden

Town of Aurora

Town of Newmarket

t Yonge S

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

St N

an Rd

Main

n Rd

cessio

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erson

Ave

S Yonge

2/14/12 5:53:30 PM

Country Wide Homes Primont Homes

Country Wide Homes

Madison Homes

Fieldgate Homes

Starlane Home Corporation

Madison Homes

Forest Hill Homes

Aspen Ridge Homes

National Homes

Fieldgate Homes

H&R Developments

Beaverbrook Homes

Country Wide Homes

Fieldgate Homes

Monarch Corporation

Marydel Homes

Aspen Ridge Homes

B.G. Schickedanz

H&R Developments

Primont Homes

Monarch Corporation

Country Wide Homes

Royalcliff Homes

Monarch Corporation

Royalpark Homes

Laurier Homes

Yorkwood Homes

Laurier Homes

Menkes

Ballygarven Homes

Starlane Home Corporation

Treasure Hill Homes

Aspen Ridge Homes

Conservatory Group

Kylemore Communities

Acorn Homes

Kylemore Communities

Minto Communities Inc.

Aspen Ridge Homes

Kylemore Communities

H&R Developments

Ballantry Homes

Country Wide Homes

Arista Homes

Starlane Home Corporation

Preston Homes

Starlane Home Corporation

Greenpark Homes

Ballygarven Homes

Lakeview Homes

Rodeo Fine Homes

Fieldgate Homes

Beaverbrook Homes

Rosehaven Homes

Minto Communities Inc.

Garden Homes

Geranium Homes

Oxford Homes

Townwood Homes

Primont Homes

Best Homes

North Star Homes

Fieldgate Homes

Forest Green Homes

Portside Developments

New Era Homes

Tel

Pavo Point • Heirloom in Markham 905-201-2804 • • Wismer Commons 905-907-1500 • • Greensborough madisonhomes.ca • • • BlueSky Stouffville 905-640-0002 • • BlueSky Stouffville starlanehomes.com • • Cornell Rouge 905-472-9556 • Cornell Rouge cornellrouge.com • Upper Cornell 905-554-3446 • • Wismer Woods 416-746-1234 • • • Potter’s Bend fieldgatehomes.com • • Castle Square hr-newhomes.com • • Victoria in Mount Albert 905-473-3308 • Woodland Hills 905-907-1500 • Victoria Manor fieldgatehomes.com • Garden Court 416-495-3564 • • Woodland Hills 905-898-7380 • Pavo Point 905-554-5075 • Woodlands of Camelot 905-640-0344 • Rhapsody 905-853-3449 • Towne Manors at Heirloom 905-201-2804 • • Heritage at Victoria Square 416-495-3542 • Bayview Meadows Aurora bayviewmeadowsaurora.com • • Bayview Meadows Aurora bayviewmeadowsaurora.com • • Heritage at Cathedraltown 416-495-3564 • • Nichols Manor at Heritage 416-495-3542 • Greensborough 905-472-8095 • windsong 905-201-5979 • • Windsong 905-471-9022 • • windsong north 905-201-5979 • Walker Farm Estates Stonehaven 905-836-0882 • Upper Canada Meadows 905-395-1294 • Main Street Stouffville 905-640-1237 • • Main Street Stouffville 416-987-5500 • Country Club Estates of Emerald Hills 416-570-6300 • Heritage Estates 905-640-2274 • • New Yorkton 905-604-1800 • • Angus Glen West Village 905-887-9950 • Summerhill Woods 905-853-0777 • The Aurora Sanctuary Town Manors 905-726-4343 • Spring Farm 905-713-3254 • The Bayview Club 416-805-0279 • • The Bayview Club 905-726-2116 • Grand Cornell 905-471-8078 • Cornell rouge 905-294-0221 • • The Residences at Victoria Square 905-907-1500 • • Boxgrove 905-201-1102 • • • Boxgrove 905-201-0758 • Copper Hills 905-954-4050 • Copper Hills South starlanehomes.com • • Copper Hills South greenparkhomes.com • • Legacy Gates 905-887-5678 • Cathedral Park 905-887-1516 • Symphony Park 905-475-9632 Greensborough 905-201-6106 • Upper Cornell 905-472-7262 • • Rhapsody 416-410-0175 • Harvest Hills 905-235-3115 • • Stonehaven 905-235-2570 • Olde Towne Newmarket 905-235-2570 • The Neighbourhoods of Cardinal Point 905-640-9999 • • Coventry Valley 905-836-8902 Greensborough Park 416-587-8693 • Harmony 905-305-8871 • Wismer Gardens 905-479-9600 • Pacific Villas 416-332-8115 • Bond Lake Village 905-313-1021 • Highgate 905-853-5800 • Greensborough 416-746-1234 • Landmark Estates 905-953-9046 •

Price Range

from $400,000

Page No.

from $380,000

12&13

from $490,000

from $450,000

from $443,000

25&Insert 18f

from $383,000

23 18F

from $526,000

35,37

from $410,000

from $360,000

from $600,000

from $555,000

25&Insert

from $546,000

from $400,000

49 16B

from $400,000

45 10C

from $821,000

25&Insert

from $290,000

IBC

from $400,000 10B from $440,000

from $835,000 18c from $426,000 10D from $380,000

from $800,000

from $550,000 13F from $340,000 13F from $550,000

from $550,000

from $329,000

from $490,000

from $320,000

from $590,000

from $540,000 13D from $330,000 11C from $287,000 19F from $230,000 19F from $739,000 16D from $283,000 18E from $450,000

from $450,000

from $298,000 10E from $350,000 13F from $441,000 13F from $542,000 13F from $400,000 13F from $409,000

from $400,000

from $432,000

from $500,000

from $500,000 14d from $489,000 14d from $489,000 14d from $390,000

from $400,000

from $255,000

from $586,000

from $330,000

from $350,000

from $379,000

from $327,000 13D from $288,000 13D from $370,000

from $600,000

from $608,000

from $470,000

from $410,000

from $337,000

from $390,000 12J from $350,000 13C from $329,000

from $380,000 10D

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

2 6

Site

M Fi ap nd er

Builder

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

# Si te

081-Cent. North2_Nmrkt_index.indd 75

2/14/12 5:53:31 PM

082-FurtherNorth Barrie_Map.indd 78

Adjala

0 59

Mono

Hwy 5

Shelburne

47 44

Oro

Schomberg

King

Bradford Tecumseth and Tottenham

Sim

11 20

Keswick

Georgina

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Orillia

East Gwillimbury

37 13 55

Barrie 33

Bracebridge

Lindsay

Uxbridge

Cannington

Oshawa

Scugog

Huron Rd iew 400

iew plev

30 Dr

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

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

ark on P Mols

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Wasaga Beach

27 36

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V en

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Barrie, Collingwood, Wasaga, Innisfil, Keswick

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north region:

St. inc ia Rd

2/14/12 5:53:38 PM

Price Range

Page No.

1-877-455-0201

•

from $261,000

95 9g

14 Rosehaven Homes

King Country Estates

905-558-0098

•

from $730,000

29,51 7k

14 Aspen Ridge Homes

King Country Estates

905-558-0255

•

from $680,000

IFC,1,51 7k

14 Country Wide Homes

King Country Estates

905-558-0098

•

from $700,000

45,51 7k

35 Senator Homes

Lakeside Covce

705-797-1967

•

from $450,000

27 17C

45 Country Wide Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $310,000

45 8I

58 Lakeview Homes

Greenbrook Village

1-888-746-2999

•

from $250,000

89 3I

Pacific Homes Limited

MarlLake Village

1-877-428-5115

•

from $210,000

Red Berry Homes

MarlLake Village

1-877-428-5115

•

from $210,000

Starcrest Homes

Nottawasaga Village

1-877-534-4445

•

• •

from $200,000

Mason Homes

Cloverlea Lindsay

705-324-1653

• •

from $170,000

13H

Mancini Homes

Princeton Woods

705-730-1978

•

from $330,000

14E

Democrat Homes

Wasaga Sands

1-866-409-2724

•

from $275,000

Mariposa Homes

West Ridge

705-329-3330

•

from $155,000

Heron Homes & Heathwood Homes Raven Golf Club at Lora Bay

519-599-1900

•

from $347,000

Fandor Homes

Hamptons on Big Bay Point

705-792-6807

•

from $250,000

18D

Grandview Homes

Big Bay Point

705-735-0732

•

from $253,000

13E

Grandview Homes

Bear Creek Hollow

1-866-386-1629

•

from $260,000

13e

10 Berkley Homes

Wasaga Beach

1-877-422-1185

•

from $250,000

11 Ballymore Homes

The Simcoe

1-877-455-0201

•

from $316,000

11 Ballymore Homes

The Neptune

1-877-455-0201

•

from $300,000

12 Previn Court Homes

Victorian Village

1-855-7PREVIN

•

from $280,000

13 Southpointe Homes

Southpointe

1-888-431-1732

•

from $200,000

15 Kaitlin Group Ltd.

The Estates of King Valley Golf Club 1-866-242-2582

•

from $750,000

16 Great Gulf Homes

Summerlyn Village

905-775-3461

•

from $315,000

17 Fernbrook Homes

Grand Central

905-778-0873

•

from $270,000

17 Brookfield Homes

Grand Central

905-778-0873

•

from $300,000

18 Melody Homes

Sunflowers

705-721-7200

•

from $233,000

19E

18 Zancor Homes

Sunflowers

705-721-7200

•

from $233,000

19E

19 Pristine Homes

Timberwolf Lodge

905-851-1224

•

from $440,000

20 Oxford Homes

Mount Albert Village

905-251-3203

from $330,000

22 Kingsview Homes

Renaissance Collection

705-734-9518

•

from $250,000

17F

24 Kaitlin Group Ltd.

Blue Shores

1-866-625-2583

•

from $284,000

25 Grandview Homes

Forest Beach Estates

1-866-386-1629

•

from $260,000

26 B.G. Schickedanz

Lake Scugog Meadows North

1-877-878-9899

•

from $298,000

13I

27 Alliance Homes

RidgeHill

705-434-4433

•

from $550,000

31 Alliance Homes

Jackson’s Landing

1-866-722-7771

•

• from $290,000

32 Country Homes

Alcona by the Lake

1-866-531-3424

•

from $200,000

33 Maple Lane Homes

Wallace Mills

705-436-7215

•

from $200,000

36 Sunfield Homes

Centre Point

705-734-1887

•

from $280,000

37 Pristine Homes

Pebbleshores

705-436-5547

•

from $240,000

38 Brandy Lane Homes

Mountain Trails

1-888-445-9608

from $300,000

39 Stonebridge Building Group Stonebridge by The Bay

1-877-420-0880

•

from $200,000

40 Royalpark Homes

Emerald Forest

royalpark.com

•

from $200,000

41 Delpark Homes

Pretty River on Georgian Bay

1-888-257-1999

from $298,000

42 Mason Homes

Just 4U

masonhomes.ca/4U •

from $220,000

15E

43 Bremont Homes

Centretown

1-877-855-1122

•

from $234,000

44 RAYMAC Homes

Brennan Enclave

705-516-0681

•

45 Rosehaven Homes

Dreamfields in Bradford

416-410-0175

•

from $300,000

45 Regal Crest Homes

Dreamfields in Bradford

dreamfieldsbradford.com •

•

from $311,000

46 Devonleigh Homes Inc.

Creekside

705-444-0555

•

from $277,000

47 Devonleigh Homes Inc.

Parkside by Devonleigh

705-435-9991

•

from $275,000

48 Devonleigh Homes Inc.

Brownley Meadows

705-423-9662

•

from $225,000

49 Democrat Homes

Maplewood

democrathomes.com •

• •

from $300,000

16B

50 Brookfield Homes

Park Central

905-778-0873

•

from $285,000

52 Fram Building Group

The Shipyards

705-446-2626

• • from $340,000

55 Briarwood Homes

Briarwood Estates

705-294-2288

•

from $310,000

59 Brookfield Homes

Fieldstone

905-778-0873

•

60 Briarwood Homes

Pretty River Collingwood

1-888-257-1999

•

from $310,000

Barrie, Collingwood, Wasaga, Innisfil, Keswick

Tel

Lakeside Meadows

north region:

Site

Fi Map nd er

Builder

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

# Si te IFC-Inside front cover

11 Ballymore Homes

083-FurtherNorth Barrie_index.indd 77

2/14/12 5:53:40 PM

tax matters

Canadians between ages of 18 and 34

RAMPING UP

RRSPs: RBC F

orty-three per cent of Canadians between the ages of 18 and 34 now hold RRSPs, representing a shift from last year when the number of younger Canadians holding RRSPs dropped to its lowest point in almost a decade (39 per cent), according to the 22nd Annual RBC RRSP Poll. In addition, retirement savings has moved up to fourth place on the list of financial priorities for this age group, compared to its seventh place position last year. What has slipped significantly for the 2011 tax year is the percentage of younger Canadians who plan to contribute the maximum to their RRSPs. In the 2010 tax year, young Canadians were the most likely agegroup to maximize their RRSP contribution (33 per cent); for the 2011 tax year, they are the least likely to do so at 16 per cent (compared to 25 per cent of all Canadians). “Younger Canadians have any number of competing ‘here and now’ financial needs, in addition to trying to save for their future goals,” says Jason Round, head, financial planning support, RBC Financial Planning. “We want to ensure young Canadians know all the options available to help them. The tax-sheltering benefits of RRSPs

can help to buy your first home and grow your money for future goals. Contributing to an RRSP also helps to reduce your taxable income today.” The RBC RRSP poll indicates that financial priorities are shifting among younger Canadians. Compared to 2010, more young Canadians are focusing on homeownership (49 per cent compared to 44 per cent) and retirement savings (35 per cent compared to 26 per cent). A lower priority is being placed on regular payments to reduce or eliminate debt (48 per cent compared to 56 per cent) and general savings for a rainy day (39 per cent compared to 45 per cent). “Trying to take care of day-to-day expenses, save up for that first home and put aside money for future goals, such as retirement, may feel overwhelming, but it can be done if you set your priorities and make informed decisions,” adds Round. “It doesn’t cost anything to go online and check out some of the resources available for saving and investing or first time home buying, or to meet with an advisor who can help you achieve your financial goals.”

RRSP Fast Facts for the 2011 Tax Year

Young Average Canadians Canadians 18-34

Have an RRSP

43%

60%

Average contribution

$3,191

$4,715

No withdrawals from RRSP in the past year

88%

80%

Contribute through a regular contribution plan

48%

35%

Plan to make the maximum allowable contribution

16%

25%

Contributing the same amount as last year

41%

52%

Contributing more than last year

35%

27%

84 New home guide GTA | feb 18 - mar 3, 2012

084-Tax Matters RBC RRSP Poll.WK.indd 84

2/14/12 5:22:34 PM

KING CITY MODEL HOMES NOW OPEN

GREAT GULF AND ASPEN RIDGE ARE PLEASED TO UNVEIL TWO MAGNIFICENT DESIGNER-FURNISHED MODEL HOMES NOW OPEN TO VIEW

70, 80 AND 90 FOOT ESTATE LOTS ON THE OAK RIDGES MORAINE FROM

aspenridgehomes.com

$1.1 MILLION

greatgulfhomes.com

Presentation Center and Model Home Hours: Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri. Prices and specifi cations subject to change without notice. E. & O.E. All square footages are approximate. Actual usable space varies from stated fl oor area. 85

12-0046_KINGOAKS_NHGC_FP_JAN21.indd 1

1/13/12 3:27:01 PM

085-GreatGulf-KingOaks 01-21-12.indd 85

2/10/12 5:11:10 PM

community focus

H&R Westown

Why rent when you can own?

hy rent when you can own? It’s a question that’s often brushed off with excuses such as “I can’t afford it,” “It’s too much maintenance,” “New construction takes too long” or “905’s just too far of a commute.” And so a lot of people continue to rent, lining their landlords’ pockets and never seeing a return on their monthly investment. The truth of the matter is, you can afford it, you can live maintenance-free, move in now and live right in the

416, connected to everything that’s important. How? Buy a cool new condo suite at Westown – H&R’s dynamic community at Weston and Sheppard in Toronto. But don’t hum and haw for long because there are

86 New home guide GTA | feb 18 - mar 3, 2012

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H&R DEVELOPMENTS westown

H&R

At the forefront of homebuilding

only 20 of them left. And with prices starting at just $189,900, better giddy up. If you’ve driven by Westown lately, the community is alive and bustling with activity. Couples and young families are out and about enjoying their homes and neighbourhood. The condo suites have been built and are a big part of what makes the architectural landscape of the community so interesting. Each suite has been smartly designed to maximize living and entertaining spaces with open concept kitchens and sleek finishes. Suites feature durable laminate flooring, five white appliances and designs ranging from 635 to 688 sq. ft. Prices start at just $189,900 with ultra quick 30- to 60-day occupancies available. For those who want to walk through the innovative designs, all of the 20 suites will be available for viewing with three models decorated with contemporary furnishings from Ikea. For location, Westown is as convenient as it gets. Downtown Toronto is accessible via Downsview or Yorkdale subway stations, shopping at Yorkdale is about 12 minutes away and local stores, parks and schools are all within walking distance, including the community centre across the street. Everything from Tim Hortons to Home Depot is close at hand, making this location irresistible for first-time buyers.

Location: Toronto

In the world of building homes, experience has no equal. H&R is one of the GTA’s most experienced builders, with nearly 60 years of planning, designing and constructing exceptional communities in coveted locations all across the city. When the business was founded in 1952, H&R began by building beautiful single-family homes, a few at a time, in quiet residential neighbourhoods. A passion for quality, attention to detail and advancements in innovation continue to be its core values moving forward. Today, H&R has expanded its portfolio to include 15 new home communities across the city. From condo suites and townhomes to bungalows with lofts, semis and two-storey detached homes, H&R has a dynamic range of home styles. For more information on H&R’s current communities, sales centre hours, décor centre and new sites that are coming soon, please visit hr-newhomes.com

Housing type: condo suites ranging from 635 to 688 sq. ft. starting at just $189,900

Contact hr-newhomes.com feb 18 - mar 3, 2012 | New home guide GTA 87

086-087 CF_H&R Westown.WK.indd 87

2/14/12 3:26:17 PM

IT’S NOT TOO LATE TO… DISCOVER TORONTO’S HOME BUILDERS� ONE STORY AT A TIME

Totally Redesigned for 2011: • Larger Format • Industry Insights by GTA’s Home Building Leaders • Detailed Homes Builder Stories • Mortgage and Legal Advice

If you missed picking up this year’s issue, call 416.626.4889 to receive your FREE copy!

homeTRADER and The homeTRADER & Design are trade-marks of Apax Partners LLP, used under license.

88 New home guide GTA | feb 18 - mar 3, 2012

088-HomeBuilderAnnual 04-02-11.indd 88

2/14/12 4:13:19 PM

A lifetime of memories begins at Greenbrook Village

A new community with family-friendly streets, parks, ponds and full-size homesites. It’s the start of the life you’ve always dreamed of.

40' Homes in Shelburne

FROM

A short drive, just over 30 min from Brampton, can save you $200,000! n

Double car garage Rd124 County

SHELBURNE

Rd ort

ne 2nd Li

St Main

Airp

SALES OFFICE

ORANGEVILLE CALEDON CALEDON EAST VILLAGE

nt ro Hu io ar

110 Ft. Deep lots

Sales Office 516102 Hwy 124 (on the westside) approx 1.5 km north of Hwy 89 Hours – Monday - Wednesday: 1pm - 8pm; Thursday - Friday - Closed Saturday, Sunday & Holidays: 11am - 6pm

3000 Sq.Ft.

341

990

ELEV. C

FROM

GreenbrookVillage.ca 519-217-5944

NORTH BRAMPTON

Rockport

Brokers protected (referral fee available). See sales representative for details. Prices and specifications are subject to change without notice. Illustrations are artists concept only. E.&O.E.

GIAM 3973 New Homes GTA-7.5x10.5.indd 1 089-Lakeview-Greenbrook 02-18-12.indd 89

12-02-08 9:59 AM 2/10/12 5:11:14 PM

RICHMOND HILL

GRAND O

LAKE WILCOX

JEFFERSON REGIONAL FOREST

SUMMIT GOLF AND COUNTRY CLUB

PRESENTATION CENTRES ST

MONTICELLO PARK

GREENSPACE

Freehold Townhomes from the

$500’S

Singles from the

$700’S

Freehold townhomes and detached singles on crescents and cul-de-sacs in a ravine setting.

FORE-JEF-A-NHC-DBL PG-LEFT.indd 1 090-091-Multi-JeffersonForest 02-18-12.indd 90

Phase 1 sold out in 2 weeks. Don’t miss out!!!

SALES OFFICE: Mon., Tues. & Wed. – 1pm to 6pm, Sat., Sun., & Hol. – 11am to 5pm

12-02-13 2:40 PM 2/14/12 11:21:19 AM

FORE-JE

D OPENING THE WAIT IS OVER! BAYVIE

W AVEN

ELLO K

3 2:40 PM

FOUR GREAT BUILDERS - ONE FABULOUS FOREST

IloveForest.ca Renderings are Artist’s concept. Prices and specifications are subject to change without notice. E. & O. E.

FORE-JEF-A-NHC-DBL PG-RIGHT.indd 1 090-091-Multi-JeffersonForest 02-18-12.indd 91

12-02-13 2:43 PM 2/14/12 11:21:20 AM

community focus

Jefferson Forest

Ravine, crescent and cul-de-sac lots Opening Feb.18, 2012!

hen location, design excellence, impressive finishes, attention to detail and master craftsmanship come together, the result is truly magnificent. Nestled on the south edge of the Oak Ridges Moraine, forested with century old maple, beech, black cherry, birch and aspen, this site is the envy of all.

Inspired by the woodland setting and unique landscape of the area Madison Homes has created an exceptional neighbourhood of town and single-family homes designed to take full advantage of this spectacular site. Here Madison Homes has sown the seed of a new residential neighbourhood. Madison welcomes you to prestigious Jefferson Forest where families and nature live together. Escape from the confines of the busy city and join in on the excitement and relaxation that the Jefferson Forest Community has to offer. Be one of the privileged few who can boast ownership in this coveted area. At Jefferson Forest you will find a collection of luxury townhomes and detached singles featuring

92 New home guide GTA | feb 18 - mar 3, 2012

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MADISON HOMES jefferson forest

13'0" x 18'6"

WALK IN CLOSET

10'0" x 16'6"

MASTER BEDROOM 18'0" x 16'8"

TILED DECK

FURNITURE NICHE

FAMILY ROOM SLIDER

BREAKFAST

DW SERVERY

LEDGE SHOWER

CATHEDRAL CEILING

BEDROOM 4

15'8"(12'8") x 16'0"

ENSUITE

14'0" x 11'0"

GAS FIREPLACE

DINING ROOM

H IG W H IN LE D V O W

COFFERED CEILING

BREAKFAST BAR

H IG W H IN L D EV O W

MAKE-UP

KITCHEN

EL V LE W H DO IG H WIN

9'6"(13'0") x 16'6" EL V LE OW H D IG IN H W

F PANTRY STEPS AS REQUIRED BY GRADE

REVERSE DOOR SWING IF STEPS ARE REQUIRED

T DOOR WHERE GRADE PERMITS

MAKE-UP OR OPT. SINK

18'0" x 11'0"

RAILING

TOWELS

OPT. UPPERS

CLOSET

LIVING ROOM

WALK IN CLOSET

DN T

LAUNDRY

both traditional and open concept design on ravine, crescent and cul-de-sac lots. Based on timeless architectural design, Madison’s homes embody lasting style and modern livability. Be inspired by the numerous options Madison Homes has to offer and customize your home to reflect your individual style. Floorplans include; three, four, five or six bedrooms, master retreats, semi-ensuites, Jack and Jill bathrooms, recreation rooms, nanny suites, many with walkout basements – the choices are endless. In addition to the exceptional designs and numerous features, Madison Homes is proud to announce that all homes in Jefferson Forest’s new release will be Energy Starcertified. By incorporating Energy Star as a standard feature, homeowners can look forward to a more energy efficient and comfortable living environment while reaping the benefits of lower operating costs. Beyond the natural beauty of this spectacular woodland setting, Jefferson Forest offers all the conveniences of a fully established community with all the amenities already in place. Excellent schools, parks and recreational facilities abound in the immediate area. Enjoy kilometres of tranquil walking trails and biking paths. Explore the coves and corners of Wilcox Lake. Become a member of The Summit, one of the finest private golf courses north of Toronto. Shop at Elgin Mills Shopping Centre. Supplement your family’s education

Escape from the confines of the busy city and join in on the excitement and relaxation that the Jefferson Forest Community has to offer

WALK IN CLOSET

SHARED BATH

MAIN BATH WALK IN CLOSET

CLOSET

PDR COFFERED CEILING

FOYER WALK IN LINEN

PORCH

DEN/HOME OFFICE 11'0" x 11'6"

GARAGE

18'1" x 19'9"

MAIN FLOOR ELEVATION A*

BEDROOM 3 11'0" x 17'4

BEDROOM 2

17'9" x 14'9"(13'0")

SECOND FLOOR ELEVATION A*

with trips to the local public library. Jefferson Forest is conveniently located with quick connections to local transit, Go transit, and Hwys. 404 and 407. Don’t miss out on this limited release of towns and singles. With townhomes starting at 2,032 sq. ft. and priced from the mid $500,000s and single-detached homes starting from 2,249 sq. ft. and priced from the $700,000s, now is the time to buy your family’s dream home. Visit the Jefferson Forest presentation centre located on the east side of Yonge Street just north of 19th Avenue. Open Monday to Thursday from 1 to 8 p.m.; Friday by appointment only; weekends and holidays from 11 a.m. to 6 p.m. For more information, call 905.770.8661, or visit madisonhomes.ca

Location Richmond Hill

Housing type luxury townhomes and single-family homes

Sales centre east side of Yonge Street just north of 19th Avenue, open Monday to Thursday from 1 to 8 p.m., Friday by appointment only, weekends and holidays from 11 a.m. to 6 p.m.

Contact 905.770.8661 | visit madisonhomes.ca

feb 18 - mar 3, 2012 | New home guide GTA 93

092-093 CF Madison Jefferson Forest.WK.indd 93

2/14/12 3:26:28 PM

TAx MATTeRS

LOOKING AT BUYING A HOME?

your rrsp can help! — By Jenn Killins —

hinking of making your first home purchase? Dreaming of the beautiful view of the city? Wondering where you will come up with the cash for your down payment? Consider using your Registered Retirement Savings Plan (RRSP) as a tool for making your dream a reality! The Home Buyers’ Plan (HBP) can be of great assistance for the first-time homebuyer! a liTTle biT abouT The hbp:

The RRSP HBP plan is a program that allows first-time homebuyers to withdraw up to $25,000 from their RRSP and apply it toward their first home, tax free. If you are married, your spouse can also withdraw $25,000 from their RRSP, tax free!

yeah, yeah, i know. so, whaT’s The fine prinT?

Nothing is free, right? You do have to pay the money back into your RRSP. The good news is, you have 15 years to pay it back – 1/15 of the amount you borrowed is to be paid back starting the year after it’s borrowed. So, for example, if you withdrew $15,000 from your RRSP, you must pay back $1,000 each year for the next 15 years into your RRSP. You will not receive an income tax deduction/refund on this contribution, as it’s no longer eligible for that. You already got your tax break once before when you first contributed that money. The government doesn’t believe in double dipping!

Continued on pg. 96 94 new home guide gTA | Feb 18 - mAr 3, 2012

094-096 Tax MattersJenn Killins-RRSP.WK.indd 94

Continued on pg. 72 2/14/12

3:26:34 PM

GRAND OPENING of our PHASE 2 in Sutton

A VALUE PACKED, LUXURY FAMILY NEIGHBOURHOOD.

260

,900

FOR OUR TOWNHOME STARTING AT 1,305 SQ. FT.

Nestled among the forest, ﬁelds and close to the lake. Lakeside Meadows is the perfect community you have been looking for! For those looking for a quiet country setting this is the most natural spot. Lake Simcoe, Jackson’s Point, The Briars Golf and Country Club, parkland and trails all surround you. Lakeside Meadows offers today’s discerning homebuyer a ﬁne selection of models from which to choose – both classic townhome designs and spacious singles on 42’ and 50’ lots.

THE NEPTUNE 2 storey design from $329,900

SUTTON Jackson’s Point

Surround yourself with parkland, trails, meadows, a lake and golf. SALES OFFICE: 4950 Baseline Road, Sutton, ON, L0E 1R0 Mon. - Wed. 1pm - 8pm. | Thurs. & Fri. by appt. only. | Sat., Sun. & Hol. 11am - 6pm

1-877-455-0201 • LakesideMeadows.ca

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

BALL-LAK-A-AD-NHC-JAN12-2.indd 1 095-Ballymore-Lakeside 01-21-12.indd 95

12-01-16 10:28 AM 2/10/12 5:11:19 PM

Tax Matters continued

There is a lot of misconception about putting the funds back in. Know these three things:

» If you don’t repay the minimum required back in a year, the worst that happens is that in the above example, $1,000 is included in your income for that year, and you will be taxed. » It’s not always wise to pay back the funds every year. Your income may be lower, perhaps when you’re on mat leave, out of work, or if for any reason your income is lower. Don’t worry about it. » This is an interest-free debt to you. There is no reason to pay off the entire amount before the 15 years is up. There are no tax advantages in doing so. If you want to put more money in your RRSP than the required amount, by all means continue to invest in your RRSPs – just don’t allocate it the entire contribution to the HBP repayment. There is no need or tax benefit in doing so. And of course there are a few rules!

» You must be a first-time homebuyer. » You must purchase/build a home before Oct. 1 after the year of withdrawal. » RRSP contributions of up to 90 days before can be used toward the HBP. » You must be a resident of Canada at the time of withdrawal. A few other little things to consider:

Why should I do this?

» If your plan is to maximize the HBP, make sure the institution that you are investing is aware that you will be withdrawing RRSP funds in the near future. You must make sure your investment risk profile matches your plan and that you are not going to be charged any fees for leaving the investment. » You don’t have to withdraw the full $25,000. Most firsttime homebuyers don’t have that much saved. However, that is ideal to max out the program. If a purchase is in your near future, you may want to consider a RRSP catch-up loan. Let’s take Ashley’s example: 28 years old. She takes out a RRSP loan for $10,000, and gets a tax refund of $4,300. She pays off her high-interest credit card. Her RRSP loan is at prime, making her monthly payments that much lower. She pays off the RRSP loan, and a year and a bit later, with her work RRSP, she is ready to take advantage of the HBP. » The withdrawal must be made with the rules and fine print above. However, it doesn’t have to be applied to a down payment. Perhaps you have that but need some extra funds for closing costs, renovations, appliances, furniture or paying off debt. The choice is yours to make!

Other then the Life Long Learning plan, this is one of the only ways to withdraw from your RRSP tax-free, and a great way to get into a home a little sooner. Interest rates on mortgages are at historic all-time-low rates. It’s a perfect time to buy. Talk to your Realtor, banker, and financial planner and get organized. Condo ownership may be easier then you think. Many have the puzzle pieces to put things together – just work with the pros to flip them around and put them in place. Whether you are a first-time homebuyer or not, RRSP season is a great time to get organized with your taxes and financial planning. This year’s deadline for RRSPs is Feb. 29, 2012 at midnight. For a full list of rules, updates and forms, visit cra-arc.gc.ca Jenn Killins is a financial planning expert, speaker, author and media personality. She is the author of the best-selling finance book, Finding the G Spot – A sassy, sensible, entertaining approach to finance. Follow Jenn on Twitter @findingthegspot, and for more information visit dollarsandsense.info

96 New home guide GTA | feb 18 - mar 3, 2012

094-096 Tax MattersJenn Killins-RRSP.WK.indd 96

2/14/12 3:26:41 PM

MARKHAM

Spacious Freehold Townhomes - Amidst Parks and Greenspace Featuring 2 Master Bedrooms each with a Semi-Ensuite M A R K HA M

PLUS

✔ Stainless Steel Fridge, Stove & Dishwasher ✔ Natural Oak Stairs ✔ 9’ Ceilings on Main Level ✔ Strip Hardwood in Living/Dining ✔ $5,000 Upgrade Credits

LARGE FREEHOLD TOWNHOMES STARTING FROM

409,990

FROM 1,737 SQ.FT.

DE C ORAT E D M O D E L S N OW O PE N Sales office located at the S/E corner of Markham Bypass and 16th Ave.

FORE-COR-A-AD-NHC-JUN6-2.indd 1 097-Forest-CornellRougeTowns 10-15-11.indd 97

*As per applicable Bonus and floorplan. applies to firm purchases only between January 31st - March 31st, 2012. May not be included in finished/inventory homes. See sales representative for details. All renderings and photographs are artist’s concept. To be valid Bonus must be included in an accepted Agreement of Purchase and Sale. Prices, plans, specifications and bonuses are subject to change without notice. E. & O.E.

feb 18 - mar 3, 2012 | New home guide GTA 97

6/6/11 2:07:36 PM 2/10/12 5:11:24 PM

F E AT U R I N G

NOW YOU CAN GET

HOME DÉCOR & RENOVATIONS

DELIVERED TO YOUR DOOR!

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37.

FOR 12 ISSUES INCLUDES 13% HST, SHIPPING AND HANDLING

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EMAIL: MONEY ORDER EXPIRY:

CARD HOLDER NAME: SIGNATURE:

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98 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

098-H&D Subscription 01-29-11.indd 98

2/14/12 4:13:29 PM

Feb 18 - Mar 3, 2012

Showcasing new homes in the GTA’s east region

IN THIS SECTION

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

099-NH East Sec 02-18-12.indd 99

2/14/12 3:26:47 PM

Wentworth St

401

49 55 44 48 401

Kingston Rd

42 11

Harwood Ave

Finley Ave

Westney Rd S

Church St S

Glenanna Rd

Granite Court

Liverpool Rd

Appleview Rd

57 n 65 ou

em ug Ro

g Kin

sto

Rd n46

Whites Rd

Sheppard Ave

Spruce Hill

Altona Rd

401

Fairport Rd

Sandy Beach

Highview Rd

Dixie Rd

Brock Rd

Montgomery F

Squires Beach Rd

Dr Notion Rd

Brock Rd sR Oak jor Ma Valley Farm

riv

Lak

Magill Dr

Shoal Point Rd Pickering Beach Rd

Riverside

3 Concession

Ajax-Whitby

Bayly St E

To wn of Ajax Delaney Dr

41 Rossland Rd

Phillip Murr

Bloor St

Gibb St

52 56 Dundas St E

Rosebank Rd Altona Rd

Wentworth St

Bloor St.

Olive Ave

King St W Bond St W

Manning Rd

McQuay

Stroud's

32 Sideline

Gordon St

Cochrane St

32 Sideline

Brock St S

Finch Ave

North Rd

Blair St

Henry St

4 Concession

5 Concession

North Rd

Hopkins St

Liverpool Rd

Whites Rd

30 Sideline

Brock Rd

4 Concession

28 Sideline

City of Pickering

7 Conncession

9 Concession

24 Sideline

16 Sideline

Whitevale Rd

5 4

20 Sideline

Thornton Rd

Kendalwood R

38 1 Rossland Rd

50 7

16 24 4

Ravenscroft Church St N

Brock Rd

Adelaide Ave

Rossland Rd

Dryden Bv

8 36 23 Taunton Rd W

Westney Rd N

Greenwood Rd

16 Sideline

King S

Beatrice St

55 13 37

Salem Rd

Paddock Rd

16 Sideline Brock Rd Cen tral St

Adelaide Ave

60 3

To wn of W hitb y

7 Concession

9 Concession

Fifth Conces

8 Concession

12 Sideline

Stevenson Rd

Audley Rd

Salem Rd

Park Rd S

Townline Rd

Lakeridge Rd

4 Sideline R

6 Sideline

Brock St N

Country Lane

6 Concession

4 Sideline

4 Sideline R

Baldwin St S

Taunton Rd E

Halls Rd N

Ritson Rd S tS eS co Sim

Garden St Blair St

Garden St

Coronation R

Lake Ridge R

Conlin Rd

Country Lane

Columbus Rd

Brawley Rd

Cochrane

Anderson St

Wilson Rd S

Centre St.

Garrard Rd

Village of Bro oklin

Myrtle Rd W

Thickson Rd

Rossland/Winchester R

11 10

Ashburn Rd

Taunton Rd W

Church St E

Thornton Rd

Baldwin St N

Duffs Rd

Garrard Rd

Cedarbrook T

Pickering, Ajax, Whitby, Oshawa

Mary St N

Sim

Harmony Rd S

Central Park

Stevenson Rd

east region:

Conlin Rd

City of Oshawa

8 Concession

13 12

Stevenson Rd

Ritson Rd N

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

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

19 18 17 15 14

Wilson Rd N

devie

Gran

Harmony Rd N

Grandeview S

Bay

Townline Rd. Grandeview S

100

100-East_Ajax.Map.indd 86

2/14/12 5:53:42 PM

Stonecrest

1-888-579-7235

•

from $252,000

107 15F

Menkes

Somerset

905-428-0500

•

from $355,000

6&7 7G

Page No.

35 Tribute Communities

The Village of Brooklin West Townhome Collection 905-655-9979

•

from $330,000

11 11E

56 Delpark Homes

The Woods of Nichol Trail

905-665-9555

•

from $242,000

105 11I

57 Geranium Homes

The Courts of South Rouge

geraniumhomes.com •

from $700,000

38&39 2K

Beaverhall Homes

Parkside Walk

905-430-1227

•

from $285,000 11H

•

from $418,000 9G

Great Gulf Homes

WE9-Keiffer Court

905-619-3637

H&R Developments

Taunton Wood Estates

hr-newhomes.com •

Glen Rouge Homes

River Edge Foxwood

10 Orchard Ridge Homes

•

from $214,000 10H

905-655-8777

•

from $498,000 11G

905-725-3456

•

from $250,000 14H

11 Conservatory Group

Carruther’s Creek Village

905-426-8081

•

from $247,000 7J

13 Liza Communities

Folkstone

1-877-365-9555

•

from $335,000 10G

14 Riverfield Building Corp.

Champlain Landing

905-850-9550

•

• •

from $236,000 11I

15 Rose Valley Homes

Altona Ridge Estates

1-888-228-2271

•

from $297,000 1K

16 Cachet Estate Homes

Olde Winchester in Brooklin

416-410-4873

•

from $280,000 11E

17 Sundial Homes Limited

Central Park Village

905-427-8255

•

from $241,000 12H

18 Midhaven Homes

Forest Hills

905-579-7491

•

from $342,000 14G

21 Great Gulf Homes

Grandview Oshawa

1-888-579-7235

•

from $287,000 14F

905-444-9909

•

from $646,000 10G

23 Delta Rae Development Corp. Cochrane Estates 24 Tribute Communities

The Hamlet

905-619-2050

•

• •

from $233,000 8G

24 Tribute Communities

Imagination

905-683-1228

•

from $269,000 8G

25 Melody Homes

Brooklin Winchester

1-888-679-5744

•

from $260,000 11E

26 Liza Communities

Horizons of Oshawa

1-866-811-3011

•

from $245,000 15G

28 Greenvilla Homes

Henderson Place

416-561-3088

•

from $250,000

29 Durham Custom Homes

Kingsway Forest

905-576-6771

•

from $225,000 15H

30 Trademark Communities

Townsgate

905-239-6909

• • from $185,000

30 Runnymede

Townsgate

905-239-6909

•

from $185,000

31 Preston Homes

Prestonvale Heights

905-432-2800

•

from $350,000 15J

33 Tribute Communities

The Neighbourhoods of Windfields Farm 905-436-7444

•

from $360,000 13F

34 Tribute Communities

The Neighbourhoods of Park Ridge 905-723-2344

•

from $270,000 15G

35 Tribute Communities

The Village of Brooklin West

905-655-9979

•

from $330,000 11E

36 Liza Communities

Heritage Village

1-888-655-6188

•

from $325,000 11G

37 Lakeview Homes

The Forest of Lyndebrook

1-888-816-0143

•

from $350,000 10G

38 Lakeview Homes

Centretown

1-888-816-0143

•

from $250,000 10G

43 Highcastle Homes

Spring Meadow

905-239-5399

•

from $227,000 7G

43 Highmark Homes

Spring Meadow

905-239-4920

•

from $230,000 7G

44 Tribute Communities

Grove

905-239-0674

•

from $260,000

45 Sundial Homes Limited

Mulberry Meadows

905-427-8255

•

from $190,000 6J

46 Vista Homes

Steeple Hill Pickering

905-837-5447

from $290,000 2J

289-240-5410

•

from $230,000 15H

from $170,000 10k

46 Delta Rae Development Corp. Harmony Valley

47 Liza Communities

Shorelands at Whitby’s Water’s Edge 1-877-540-2543

48 Rockport Group Ltd.

Saddlewood

905-424-7597

•

from $300,000

49 Senator Homes

Harbourside

905-430-5957

•

• •

from $270,000 9J

•

from $250,000 9G

54 Baycliffe Homes

The Gates of Whitby

905-668-9828

•

55 Jeffery Homes

Kedron Park Ravines

905-433-2173

from $580,000 14G

60 greycrest homes

the fields of conlin

905-725-4539

•

from $310,000 15G

65 Midhaven Homes

Breeze

1-877-773-6888

•

65 Brookfield Homes

Rosebank By The Lake

PickeringRosebank.ca •

• 15F from $550,000 2K

Pickering, Ajax, Whitby, Oshawa

Price Range

east region:

Tel

M Fi a nd p er

Site

Great Gulf Homes

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

# Si te

Builder

101

101-East_Ajax.index_tel.indd 87

2/14/12 6:20:03 PM

Mill St

Parkhill Rd.

24 16

Peterborough

te Wa

134

Durham 23

Bloor St.

Hwy

Oke

Nash Rd

Angelina St North

Lindsay St. North

Major St.

Lorne St.

Lindsay

Courtice

King St.

Port Perry

Hwy #7

Kent St

Colborne St

Harmony Rd

Hw Mya2rsh

401 14

Bloor St.

LAKE

ONTARIO

t. H wy 2

St. Ridout W al to

To Belleville Jocalyn St

401

Lake Ontario

Port Hope

Rd.

Kin

Concession St

Baseline Rd. E

Concession Rd 3

Bowmanville/ Newcastle

Hwy

401

7 12 7A

Lake Scugog

D cG ill M

Lake Scugog

LAKE ON TA

Port Hope

MacDonald Cartier Freeway

106

RIO

115

Cobourg

Hwy 2

Hwy 401

Reg. Rd. 74

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

To Toronto

Hwy

Nash Rd

32 Baseline Rd. W

48 King St. Hw

Mearns

115

9 31 38 Lansdowne Ave.

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

ach

7 y4 30 Hw 10 Goodwood Rd

Centre

Rd.

Quaker Village Dr

Uxbridge

Brock Rd To

Che Monaghan Rd.

Brock St

Elgin Park

Durham Reg Main St

Reg Rd 8

Hwy 134

ro n

Varcoe Rd Darlington Blvd

le Rd

Liberty St. N Liberty St. S

West Townline Rd. N.

St. Joseph's Rd onva

Lambs Rd Hains St

Mill St.

St.

n io Un

Regional Rd 57

Hwy 28

Av e Trulls Rd

McLaughlin Rd ille Rd Janetv

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

Reg. Rd. 18

east region:

Prest

Reg. Rd 34 Courtice Rd

Waverly Rd

ron To

Hancock Rd

Hwy #12 (From Whitby)

rio

On ta

Simcoe St. (From Oshawa)

y. 4 H

102-FurtherEast_Uxb_Map.indd 88 Hw

102

2/14/12 6:00:18 PM

•

Page No.

36 Senator Homes

Courtice Village

905-723-5989

•

from $239,000

27 7K

39 H&R Developments

Gracefields

hr-newhomes.com •

from $302,000

21 14B

48 Brookfield Homes

BrookHill

Brook-Hill.ca

•

• •

from $200,000

17 10B

48 Jeffery Homes

• •

from $200,000

17 10B

BrookHill

905-697-0765

•

Mason Homes

Port Hope Golf & Country Club

905-373-4149

•

from $200,000 12K

Parkview Homes

Woodland Acres

705-748-4663

•

from $220,000 3G

Fandor Homes

Vintage Uxbridge

905-852-4717

•

from $350,000 5B

New Age Homes

Port Hope Heritage

• 15I

Mason Homes

Cloverlea Lindsay

705-324-1653

Kaitlin Group Ltd.

Port of Newcastle

1-800-305-6849

•

Kylemore Communities

Port of Newcastle

905-987-5146

•

Parkview Homes

Harmony

705-748-4663

Parkview Homes

Lyon’s Gate II

705-748-4663

•

from $303,000

Parkview Homes

Mapleridge Townhomes

705-741-1004

•

from $228,000

Parkview Homes

Timberwoods

705-748-4665

•

from $228,000

Parkview Homes

Valleymore

705-748-4663

•

from $199,000

10 Deer Park

Deer Park Estates

416-223-3777

•

from $600,000 2e

14 Rice Developments

Willmot Creek On The Lake

905-697-5806

•

from $225,000 11D

• •

from $210,000 7a

• • from $260,000 14E from $351,000 14E

• from $150,000

15 Alliance Homes

Butternut Village

905-852-5254

•

from $290,000 3c

16 Parkview Homes

Foxmeadow Estates

705-748-2828

•

from $208,000 3H

17 Halminen Homes

Maplewoods

905-697-2857

•

18 B.G. Schickedanz

Lake Scugog Meadows

1-877-878-9899

•

from $298,000 17B

• • 11a

19 Heathwood Homes

Country Lane

905-862-0474

•

from $571,000 3c

20 Geranium Homes

Verandas

905-885-0555

•

from $250,000 10I

21 Intracorp

Liberty Crossing

905-697-5999

•

from $205,000 11A

24 Parkview Homes

Thompson Bay Estates

705-748-2828

•

from $217,000 3H

25 West Park Village Homes

West Park Village in Port Hope

905-373-4149

•

from $210,000 13I

25 VANDYK group of companies West Park Village

905-373-4149

•

from $210,000 13I

26 Kaitlin Group Ltd.

Aspen Heights

905-697-0513

• from $165,000 10C

• from $210,000 10c

26 Kaitlin Group Ltd.

Condominiums at Clarington Centre 905-697-4513

26 Kaitlin Group Ltd.

Country Classics

1-866-514-3573

•

from $300,000 10c

28 B.G. Schickedanz

Chateau Villas at Baxter Creek Estates

1-800-467-1766

•

from $185,000 3K

29 West Park Village Homes

West Park Village in Cobourg

905-373-4149

•

from $200,000 18J

30 Empire Communities

Estates of Wyndance

905-649-8197

•

from $700,000 3e

31 Parkview Homes

The Meadows

705-741-1004

32 Fandor Homes

Nestings in Aspen Springs

905-623-2164

•

from $245,000 11C

• • from $288,000

33 Halminen Homes

Oke Woods

905-433-8891

•

from $249,000 8J

34 Carrington Homes

Woodlands of Upper Courtice

905-434-7797

•

from $260,000

35 Mason Homes

Avonlea

1-866-443-7900

•

from $190,000 3H

37 Pristine Homes

Wildflower

905-419-2400

•

from $260,000 12A

38 Melody Homes

Fairview Heights

1-800-932-5332

•

from $172,000

39 Thornridge Homes

Gracefields

905-987-4226

•

from $259,000 14B

45 Highcastle Homes

Northglen

northglen.ca

•

from $212,000 11B

45 Delpark Homes

Northglen

northglen.ca

•

• •

from $212,000 11B

45 Esquire Homes

Northglen

northglen.ca

from $212,000 11B

•

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

Price Range

east region:

Tel.

Fi M ap nd er

Builder Site

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

# Si te

103

103-FurtherEast_index.indd 1

2/14/12 7:51:27 PM

tax matters

Tips for

PLaNNING FOr retIremeNt a

new CIBC poll conducted by Harris/ Decima shows that many Canadians across a wide range of ages say they do not feel financially prepared for their retirement, including baby boomers who named retirement planning their top financial priority for 2012. However, there is cause for optimism, as the poll also reveals Canadians who are actively planning for their retirement are much more likely to feel financially prepared to take that step versus those without a plan.

keY fIndIngs of the poll InClude: » 44 per cent of all Canadians say they are not financially prepared for their retirement » among baby boomers at the leading edge of the boom (aged 55-64), 31 per cent say they do not feel financially prepared for retirement » Planning ahead makes a significant difference, according to the poll – among Canadians who say they have a long term investment plan for retirement, 76 per cent say they are financially prepared for retirement, versus just 25 per cent among those who don’t have a plan » Only 53 per cent of Canadians say they have a long term investment plan for their retirement Continued on pg. 106

104 New home guide gTA | feb 18 - mar 3, 2012

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feb 18 - mar 3, 2012 | New home guide GTA 105

105-Delpark-NicholTrail 02-18-12.indd 105

2/10/12 5:11:34 PM

tax matters continued

“Planning for retirement is something almost every Canadian thinks about at this time of year, and our poll results show that many would like to be further ahead when it comes to their retirement plans,” says Christina Kramer, executive vice-president, retail distribution and channel strategy, CIBC. “Our poll results reveal a split in the country when it comes to retirement, with those who are actively planning ahead are about three times more likely to feel prepared for their future retirement than those who have not yet mapped out their retirement strategy.” While some baby boomers without a plan in place may feel time is running out to establish a long term investment plan for retirement, previous CIBC research indicates that 69 per cent of all Canadians plan to continue working in retirement in some form, meaning the traditional retirement age of 65 that many Canadians use as a deadline for their savings plans may be somewhat flexible. “Regardless of what stage of life you’re currently in, you can benefit from having a discussion with a financial advisor who can help you establish a plan that works to meet your goals. The key is to take action today and not wait for another year to go by,” says Kramer. “We’re all busy, and some Canadians have fallen into the habit of making their RRSP contribution just before the deadline without taking the time to sit down and understand where they are versus their goals, and what they might need to change to keep making progress,” says Kramer. “We encourage Canadians to make this the year you use the time before the contribution deadline to look at your broader financial picture, particularly given the difference we see it making in the confidence people have in their retirement plans.”

CIBC offers the following tips for Canadians looking to make further progress towards their retirement goals: » Meet with an advisor and build or review your retirement strategy: An advisor can help you determine the income you need in retirement. An advisor can also help to identify opportunities to build savings and structure a repayment plan that allows for debt reduction, both key elements of a long-term retirement strategy. » Contribute regularly: Making regular contributions to your retirement plan is often easier than coming up with on lump sum before the RRSP contribution deadline. Start making regular contributions now so that next year, you won’t need to come up with a lump sum contribution. » Manage and track day-to-day spending: Managing cash flow effectively is a key element in both retirement savings and in making the most of your retirement income. Keeping track of spending can be accomplished through simple pen and paper budgeting, or using new tools such as CIBC Mobile Banking to keep on top your account, or CIBC CreditSmart to stay on budget with your credit card spending. » Prepare for the unexpected: Whether you plan to continue working in retirement or dream of spending time in a tropical climate, Canadians should be prepared for unexpected life events when building their plan. Meeting with an advisor on an annual basis will ensure you are on track to meet your particular goals, and can help you plan for potential obstacles.

106 New home guide GTA | feb 18 - mar 3, 2012

104-106 Tax Matters-CIBC Poll.WK.indd 106

2/14/12 3:26:58 PM

Great Gulf’s Oshawa – still the best home value in the GTA!

Fabulous semis and 36 ft. lot homes up to $200,000 less than Toronto prices From semis to singles, your homebuying dollar gets you so much more in Great Gulf’s hugely successful Stonecrest neighbourhood in Oshawa. With 3 Mike Niven-designed model homes now open, the time is right for you to discover the best new home value in the GTA.

Taunton Rd. west of Harmony Rd. Harmony Rd.

Clearbrook

Wilson Rd.

Thickson Rd.

Hwy. 7/Winchester Rd.

Taunton Rd. Hwy. 401

Semi-detached homes 1,450 - 1,900 sq. ft. from

251990

36 ft. detached homes 1,675 - 2,425 sq. ft. from

312990

1-888-579-7235 Sat. & Sun. 11am - 6pm • Mon. - Thurs. 1 - 8pm • Closed Fri. Model homes close 30 minutes prior to sales centre.

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

12-0229_OSHAWA_NEWHOME_FP_FEB18.indd 1 107-GreatGulf-Stonecrest 02-18-12.indd 107

107

2/9/12 4:09:35 PM 2/10/12 5:11:37 PM

ONTARIO’S MOST-READ NEW HOMES GROUP

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TRAVEL DESTINATION FOR THE COMING COLD SEASON

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HOT DATES

FEB - MAR 2012

CALENDAR OF EVENTS TAKING PLACE FROM FEB. 18 TO MAR. 3

FEBRUARY 18-19

FEBRUARY 19-20

Robin Hood

HarbourKIDS: SK8

SOLAR STAGE THEATRE

HARBOURFRONT CENTRE

The legendary outlaw who robs from the rich and gives to the poor, along with his Merry Men, is the star of Robin Hood, an interactive play for children by The Nearly World-Famous DuffleBag Theatre Company. Promising lots of comedy and wit, along with surprise plot twists, the play is designed for kids of age four and older.

HarbourKIDS: SK8 is a look at skate culture for kids, with beatboxing, graffiti and skating. Kids can play hockey, see how skateboards are made, take in performances from Le Patin Libre and Bidniband, watch movies and more. harbourfrontcentre.com

solarstage.on.ca

FEBRUARY 24-26

Icefest 2012

Sing-a-long-a Grease

METRO TORONTO CONVENTION CENTRE

TIFF BELL LIGHTBOX

The annual Bloor-Yorkville IceFest is back for its seventh year with ice sculpture displays and events in the theme of Winter Wilderness. On Friday, Feb. 24, IceFest launches, while artists finish up their 25,000-pound ice display. Saturday and Sunday will feature the full displays, including an ice log cabin, lumberjack and Canadian animals. A professional photographer is on site, with proceeds going to the Heart & Stroke Foundation.

Is grease still the word? Whether you're a Danny or a Sandy or a Pink Lady, it's time to gear up for Sing-a-long-a Grease, a singalong screening of the ever-popular 1978 musical, Grease. Starring John Travolta, Olivia Newton-John, Stockard Channing and the late Jeff Conaway, the movie tells the story of a bad boy and a nice girl who fall in love at a 1950s high school. tiff.net

bloor-yorkville.com

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homebuyersâ&#x20AC;&#x2122;

resource section

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homebuyers’ help

You love the home see what you can afford!

Use this rule-of-thumb to see if you’ll qualify for a mortgage on your dream home 1. Calculate the combined monthly before-tax income of you and your spouse. 2. Divide by three. This figure is the monthly payment you can afford to make on your house. 3. Take the total price of the house and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow. 4. Look 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. 5. Multiply this figure by the amount you need to borrow. Divide by 1,000. 6. Add to this your estimated monthly heating costs and monthly property taxes. 7. 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. The table on the opposite page shows the monthly payment of principal and interest for each $1,000 of mortgage.

Bear in mind 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.

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 ÷ 1,000) X 5.82 = $1,746 At current rates you can get a three-year mortgage for 4.15%, and a one-year mortgage at 3.90% (correct as of February 6th, 2011).

Calculate your mortgage payments Interest Rate

i.e.

Amortization Period

Chart Figure

25 yrs

5.82

Mortgage Amount ÷ 1000 (Mortgage Amount $300,000)

Monthly Payments

$1,746

112 New home guide GTA | feb 18 - mar 3, 2012

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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

Compliments of the Calum Ross Mortgage Consulting Team. Great care has been taken in the creation of this table, however there is no guarantee of complete accuracy. Feb 18 - mar 3, 2012 | new home guide gta 113

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homebuyers’ help

Compare mortgage rates for your best deal CHARTERED BANKS

Variable

6 Months

1 Year

2 years

3 years

4 years

ATB Financial 3.8 4.45 6.30op Alterna Svgs/Alterna Bk 3 4 6.30op Bank of Montreal 3.1 4.45 6.30op Bank of Nova Scotia 3.1 4.55 6.45op Bank West

3.5 3.85 3.95 4.64 6.30op 6.50op 3.05 3.3 3.35 3.4 6.30op 3.5 3.85 3.95 4.64 6.30op 4.3 3.89 3.99 4.39 6.50op 5.25 5.5 5.75 6

Canadian Western Bank 4.45 6.45op CIBC 3.1 6.70op HSBC Bank Canada 3 4.45 6.20op ICICI Bank Canada 3.05

3.5 3.85 4.05 4.79 6.30op 3.5 3.29 4.05 2.99 6.35op 3.6 3.95 4.45 4.99 6.35op 3.15 3.65 3.64 3.69

ING Direct

3.09

3.15

3.19

5 years 3.94 3.45 3.49 5.29 6.5 5.29 3.79 5.39 3.44

3.25

3.34

Laurentian Bank n/a 4.4 3.5 3.55 3.95 3.39 6.70op 6.50op Manulife Bank 2.9 4.45 3 3.15 3.3 3.35 4.00op National Bank n/a 4.45 3.5 3.55 3.95 2.99 6.70op 6.30op President’s Choice Finan 3.1 3.2 3.24 3.3

3.79 3.4 3.94 3.49

Royal Bank 3.1 4.05 3.2 3.55 3.95 2.99 3.94 6.30op 6.30op TD Canada Trust 3.1 3.2 3.3 3.95 2.99 5.14 6.30op TRUST COMPANIES AGF Trust

n/a

Community Trust

n/a

Effort Trust n/a Home Trust Company 3.2

4.45 4.45 6.30op 2.89

3.04

3.2

3.24

3.39

3.49

3.5

3.85

4.05

4.99

5.29

3.45 3.8 3.9 4.6 6.30op 2.99 2.99 3.19 3.49

5.1

Investors Group Trust n/a 4.55 3.5 3.85 4.05 4.79 6.50op 6.30op MTCC 3.1 4.55 4.3 3.89 3.99 4.39 6.45op 6.50op MRS Trust n/a 2.75 3 3.4 3.9 4.05 3.30op ResMor Trust Company 2.89 3.19

3.49 5.14 5.29 4.1 3.39

OTHER FINANCIAL INSTITUTIONS Comtech Credit Union 2.85 First National Fin. LP 3

6.6 8.40op 4.45

2.99 3.25 3.29 3.09 9.00op 2.94 3.15 3.19 3.25

3.49

FirstOntario C.U. 3.05 6.34op London Life n/a 4.55 6.50op MCAP 3 Meridian Credit Union 2.85 4.45 Parama Credit Union 2.85

3.24 3.38 3.38 2.98 6.34op 3.5 3.85 4.05 4.79 6.30op 3.6 3.95 4.35 4.89 6.30op 2.89 3.09 3.19 3.4 6.30op 3.1 3.25 3.3 3.5

3.38

Steinbach Credit Union

2.5

Teachers Credit Union 4

4.45 6.30op

2.75

3.29 3.49 6.50op

3.39

5.29 5.14 3.48 3.6

3.1

3.25

3.5

3.69

3.39

3.89

Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R. = RATES ON REQUEST R/O = RENEWALS ONLY OP = OPEN ——- = NOT QUOTING N/A = NOT AVAILABLE February 6th, 2012. Prepared By Fiscal Agents Financial Information Services 905-844-770, www.FiscalAgents.com/mortgage/rates.

114 New home guide GTA | feb 18 - mar 3, 2012

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GTA

BUILDERS: If you would like to include your new model home or site opening in this feature, email Wayne Karl at wayne.karl@ wall2wallmedia.ca. Please say you saw it in New Homes!

hotsheet

new openings

new releases

tribute communities whitby • the village of brooklin townhomes Grand opening of new designer showhomes of bungalow towns with lofts and two-storey designs in North Whitby. mytribute.ca

great gulf homes bradford • summerlyn village New phase/lot release of 36-, 40- and 50-ft. lots minutes to the GO train just 30 minutes north of Toronto. greatgulfhomes.com

aspen ridge/regal crest/countrywide brampton • credit manor Grand opening of Phase 2 on Feb. 25 – towns and singles, only minutes from Hwys. 401 and 407. yourkingdom.ca

senator homes courtice • courtice village Final release of townhomes, plus 30-ft. singles in an established community. senatorhomes.com

aspen ridge/countrywide/rosehaven homes nobleton • king country estates Phase 2 now open – an exquisite community of majestic homes and charming streetscapes with six decorated models open. kingcountry.ca

forest hill homes & madison homes markham • cornell rouge New release – freehold towns and singles on 30-, 36and 40-ft. lots with attached garages. Eight models now open. cornellrouge.com

tribute communities oshawa • the neighbourhoods of windfields farm Two new exciting 50-ft. designs from 3,147 sq. ft. – two new designer-decorated showhomes. mytribute.ca

HR Developments toronto • westown New release of only 25 affordable condo suites from 649 sq. ft. in a prime neighbourhood. hr-newhomes.com

tribute communities lawrence park • canterbury Grand opening – an exclusive collection of townhomes with magnificent architecture, elegant finishes and so much more. canterburytowns.ca

lakeview homes shelburne • greenbrook village Grand opening of 40-ft. homes, a short drive and significant savings from Brampton. greenbrookvillage.ca

aspen ridge homes & great gulf homes king city • king oaks Now open – two magnificent designer-furnished models of 70-, 80- and 90-ft. estate lot homes on the Oak Ridges Moraine. aspenridgehomes.com & greatgulfhomes.com

primont homes markham • heirloom Now open – final release of freehold, two- and three-storey towns and semis with attached garages. primonthomes.com

empire communities binbrook • summerlea Grand opening of 30-ft.-wide semis with two-car parking in an established, mature community. empirecommunities.com

Fieldgate Homes Stouffville • BlueSky New release now open – 50-ft. designs with four decorated models opening for viewing. fieldgatehomes.com

starlane homes stouffville • bluesky Grand opening of a brand new community of freehold towns and singles in Stouffville. starlanehomes.com

townwood Homes markham • greensborough park New release of 35’, 41’ and 45-ft. singles now available. townwoodhomes.com

fieldgate homes richmond hill • bond lake Now open – a limited collection of townhomes in a convenient Yonge St. location. fieldgatehomes.com ballymore homes sutton • lake meadows Grand opening – Phase 2 of these classic townhome designs and spacious singles on 42- and 50-ft. lots. lakemeadows.ca great gulf homes oshawa • stonecrest Now open – new phase of semis and 36-ft. singles in successful neighbourhood. greatgulf.com

madison homes markham • greensborough Final phase release of freehold towns, semis and detached homes on 35- and 41-ft. lots. madisonhomes.ca countrywide homes richmond hill • augustine collection Luxury semis and singles in a desirable neighbourhood. countrywidehomes.ca dezen homes mississauga • ravines on fletcher’s creek All new release in signature community of luxury enclave of select 40-ft. lots. dezenhomes.com

115 New home guide GTA | feb 18 - mar 3, 2012

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GTA

BUILDERS: If you would like to include your new model home or site opening in this feature, email Wayne Karl at wayne.karl@ wall2wallmedia.ca. Please say you saw it in New Homes!

hotsheet

preview registration andrin homes brampton • turnberry townhomes Coming soon – townhomes by the golf course in Brampton. andrinhomes.com fernbrook homes & monarch corporation oakville • bronte creek Register now for luxurious townhomes in Bronte Creek, Oakville’s natural neighbourhood. mybronte.com primont homes brampton • castlemore Grand opening coming soon – register now for prime towns, semis and singles in a ravine setting. primonthomes.com Falconcrest Homes & Intercity Brampton • the estates of credit ridge Coming soon – semis and 40- and 50-ft. singles redefining luxury living alongside the Credit River. creditridge.com brookfield homes & jeffery homes bowmanville west • brook hill Buy now and save on pre-construction pricing in master-planned community in Bowmanville West. brook-hill.ca mosaik homes brampton • castlemore crossing & the estates of credit ridge Coming soon – semis and detached homes in two premier communities. mosaikhomes.com

brookfield homes & Jeffrey Homes brampton • brook hill Pre-construction pricing on these towns, semis and singles in a master-planned community in Bowmanville West. brook-hill.ca menkes oakville • millstone on the park Coming in early 2012, back-to-back townhomes at Millstone on the Park in Oakville. menkes.com mattamy homes brampton • mount pleasant north New selection of three-storey townhomes and detached homes on 30-, 38- and 45-ft. lots now open. mattamyhomes.com madison homes richmond hill • jefferson forest Grand opening coming soon! Register now for a collection of detached homes and freehold towns. madisonhomes.ca hr developments markham • castle square Coming soon to Markham – new release of freehold townhomes and detached homes on 40-ft. lots. hr-newhomes.com Empire communities stoney creek • victory ridge Pre-register now for a stunning collection of townhomes and two-car garage detached homes on the edge of the Escarpment. empirecommunities.com

rosehaven homes brampton • mount pleasant Coming in spring 2012 – detached homes on 30-, 38-, 41- and 45-ft. lots, plus 25-ft. attached singles. lovemountpleasant.com

starlane homes brampton • river’s edge Coming soon – 38-, 47- and 55-ft. singles. Register online for priority registration. starlanehomes.com

aspen ridge homes richmond hill • kettle lakes club Coming soon to Richmond Hill – a collection of executive townhomes on a protected ravine. aspenridgehomes.com

countrywide/greenpark/royalcliff/ starlane/townwood brampton • gates of countryside Register now for all new phase of semis and 38- and 47-ft. singles in an established, family-first neighbourhood. gatesofcountryside.ca

beaverhall homes Woodbridge • regency estates Now under construction – enclave collection of just 34 estate manor homes on 60-, 65- and 70-ft. lots. beaverhall.com mattamy homes milton • hawthorne village on the escarpment Coming soon, exclusive new townhome designs on the Escarpment. mattamyhomes.com

greenpark & starlane homes newmarket • copper hills south Coming soon – Phase 2 of semis and singles on 36-, 41- and 45-ft. lots. copperhillssouth.ca

117 New home guide GTA | feb 18 - mar 3, 2012

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advertisers index

Andrin Homes - Turnberry Townhomes Arista Homes - Jefferson Forest

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118 New home guide GTA | feb 18 - mar 3, 2012

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H&R Developments - Gracefields

Monarch Corporation - Bronte Creek

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Heathwood Homes - Terracotta Village at The Credit Valley

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116

Jeffery Homes - BrookHill

Lakeview Homes - Greenbrook Village

LeBovic Homes - Bond Lake Village Lifestyle Communities - Resource Madison Homes - Cornell Rouge Madison Homes - Greensborough Madison Homes - Jefferson Forest

25&Insert 52 35,37 35 90&91

Madison Homes - Thornhill Ravines

Mattamy Homes - Cornell

Mattamy Homes - Mount Pleasant North

8&9

Menkes - Bloom Park Towns

6&7

Menkes - Humber Mews

6&7

Menkes - Millstone On The Park

6&7

Menkes - Somerset

6&7

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6&7

Monarch Corporation - Birkdale

IBC

Primont Homes - Castlemore

12&13

Primont Homes - Heirloom in Markham

12&13

Rosehaven Homes - Gibson Heights

Rosehaven Homes - King Country Estates

29,51

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

29,69

Rosehaven Homes - The Neighbourhoods of Mount Pleasant

Rosehaven Homes - Tiffany Hill

Senator Homes - Courtice Village

Senator Homes - Havelock Corners

Senator Homes - Lakeside Covce

Shopping Guide - Resource

Spallacci Homes - Eden Park

Starlane Home Corporation - BlueSky Stouffville

The Mortgage Centre - Calum Ross

Townwood Homes - The Neigbourhoods of Mount Pleasant

Tribute Communities - The Village of Brooklin West Townhome Collection 11

Your First Home - Resource

feb 18 - mar 3, 2012 | New home guide GTA 119

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FUNDAMENTALLY SPEAKING

GTA still a top destination FOR NEW CANADIANS — By Wayne Karl —

or something that was supposed to be phased out due to its supposedly limited value these days, the Census – with 2011 data released in early February – sure received a lot of attention. You may have seen the news reports over the last couple weeks, based on the release from Statistics Canada, on how certain parts of the country were growing in population, and therefore enjoying prosperity. Much of the coverage was on how strong the west was becoming, and how immigration to the east, namely Ontario, was slowing. Reading some of these reports, you might have been wondering if you should pull up stakes and head west to the promised land.

Why does any of this matter to new-home buyers? It matters because immigration drives growth, as “new Canadians” enter the country in pursuit of employment. If immigration is down, it’s likely because job prospects are as well. In the context of the housing market, a strong and growing economy leads to GDP and job growth, which contributes to population growth (a big part of that being immigration). This leads to increased demand for – at first – rental properties, and then eventually home purchases, which then leads to housing starts and increasing property values. All of this takes place over the course of many months, usually between one and two years. So, when he 2011 Census reports that immigration to Ontario is slowing, you understand why it’s reported as not great news for the province. However, a little perspective is also necessary.

First, let’s pause for some facts – straight from StatsCan. » Ontario’s rate of population growth is slowing. In fact, Ontario, Northwest Territories and Nunavut were the only provinces/territories where population growth did not increase.

Toronto doesn’t seem so bad off, does it? Drilling down a little deeper, the GTA picture brightens even further. The population of Milton grew by 56.5 per cent, Whitchurch-Stouffville by 54.3 per cent, Ajax by 21.6 per cent, Brampton by 20.8 per cent, Vaughan by 20.7 per cent and Markham by 15.3 per cent. At this micro level, different factors come into play; people are not necessarily moving into these areas for local employment, but improvements in infrastructure and transit make buying a home and living in these areas, and commuting into the city, a more viable option.

» The rate of Ontario’s population growth did decline slightly in the past five years to 5.7 per cent, its lowest level since the period between the 1981 and 1986 censuses, and slightly lower than the growth of 6.6 per cent between 2001 and 2006. » In 2011, the enumerated population of Ontario was 12,851,821, which represents a change of 5.7 per cent from 2006. This compares to the national average of 5.9 per cent.

Let’s look at this market – the GTA. The population of the Toronto census metropolitan area (CMA) was 5.5 million in 2011 – up 9.2 per cent from 2006. Remember, the national average was up 5.9 per cent and the Ontario average up 5.7 per cent. Also, compare this to other population growth rates for 2006 to 2011: 9.1 per cent in Ottawa, 5.7 per cent in Kitchener-Waterloo-Cambridge and 4.1 per cent in Hamilton.

Within the City of Toronto itself, some census tracts experienced strong population growth between 2006 and 2011, StatsCan says. This was particularly the case for some downtown areas, especially those along the shore of Lake Ontario. So, staying with the actuarial vernacular, the bottom line is this: the GTA has long been and still is a top destination for new Canadians. There’s no need to pack up and head west just yet.

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. Email him at wayne.karl@wall2wallmedia.com or follow him at Twitter.com/WayneKarl

120 NEW HOME GUIDE GTA | FEB 18 - MAR 3, 2012

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CALEDON CALEDON NewNew Release Release Available Available Exclusive Exclusive 43' & 43' 50' & Singles 50' Singles fromfrom the low the $500,000’s low $500,000’s

Nestled Nestled between between the lush the banks lush banks of theof the Two-storey Two-storey Townhomes Townhomes Etobicoke Etobicoke CreekCreek and Humber and Humber River River is a is a fromfrom the mid the mid $300,000’s $300,000’s placeplace wherewhere families families gathergather around around heart-heart905.843.0707 905.843.0707 warming warming fireplaces. fireplaces. The kind The of kind place of place that that Presentation Presentation Centre: Centre: comes comes but once but once in a lifetime. in a lifetime.

monarchgroup.net monarchgroup.net

12515 12515 Kennedy Kennedy Road,Road, Caledon Caledon Mon. Mon. – Thurs. – Thurs. 1pm –1pm 8pm, – 8pm, Fri. 12pm Fri. 12pm – 5pm– 5pm Weekends Weekends & Holidays & Holidays 11am11am – 6pm– 6pm

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Prices, specifi Prices,cations specifications and promotions and promotions are subject are subject to change to change without without notice. Renderings notice. Renderings are are artist concept artist concept and images and are images for mood are forand mood impression and impression only. Please only.see Please Sales see Representative Sales Representative for full details. for full E.&O.E. details. E.&O.E. FebruaryFebruary 2012. 17364 2012. 17364

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Monarch MonarchCommunities. Communities.

Monarch, Monarch, Canada’s Canada’s oldest oldest andand mostmost experienced experienced builder. builder.

CALEDON CALEDON 43' & 43' 50' & Singles 50' Singles from the from lowthe$500,000’s. low $500,000’s. Two-storey Two-storey Townhomes Townhomes from the from mid the$300,000’s. mid $300,000’s. 5 model 5 model homeshomes to view. to view. 905.843.0707 905.843.0707

MARKHAM MARKHAM CONDO CONDO TOWN TOWN LOFTSLOFTS from $499,990. from $499,990. 416.495.3564 416.495.3564 HIGH-RISE HIGH-RISE CONDOS CONDOS from the from $290,000’s. the $290,000’s. 416.495.3595 416.495.3595

OAKVILLE OAKVILLE Executive Executive Townhomes Townhomes Temporarily Temporarily sold out. sold out. Register Register now now for thefor next therelease. next release. Coming Coming Soon. Soon.

KITCHENER KITCHENER 40', 43' 40', & 43' 50' & Singles 50' Singles from the from lowthe$400,000’s. low $400,000’s. Designer Designer decorated decorated modelmodel homeshomes to view. to view. 519.894.8222 519.894.8222

SCARBOROUGH SCARBOROUGH TOWNHOMES. TOWNHOMES. COMING COMING SOON. SOON. REGISTER REGISTER NOW.NOW.

Like Minded. Love Monarch.

Condominium townhomes available from $499,990. • Multi-level floorplans from 2,152 – 2,429 sq. ft. • 3 and 4 bedroom designs with up to 3.5 baths • Live a carefree lifestyle: your grass cutting and snow removal, maintenance of walkways, greenspaces, gardens and reflecting pool are all maintained for you Townhome Sales Office: 3 Annibale Drive, Markham 416.495.3564 Mon. – Thurs. 1pm – 8pm, Fri. 12pm – 5pm Weekends & Holidays 11am – 6pm

High-rise condos now available from the $290,000’s. High-rise Sales Office: 10350 Woodbine Avenue, Markham 416.495.3595 Mon. – Thurs. 12pm – 6pm, Friday Closed Weekends & Holidays 12pm – 5pm

monarchgroup.net

mattamyhomes.com

OHBA & BILD 2011 Home Builder Of The Year

Save $10,000 On Every Inventory Townhome Available In Mattamy’s Cornell.

Cornell is a unique place that looks like no other. There is an outstanding variety of home designs so each street has its own character. Neighbours are busy saying hello from their front porches, or walking the kids to school or heading down to the stores and services available right in the neighbourhood. Everything you need is near your home when your home is in Cornell. Enjoy Skating On The Cornell Community Rink

9th Line

HWY 7

Markham Rd.

Townhomes From $361,990 Detached Homes From $572,990

16th Ave. Sales Centre

Cornell Centre Blvd.

Inventory Townhomes Offer An Oak Staircase, Rec. Room Ready Basement & $10,000 Off!

HWY 407

Townhome, The Aldsworth, Elev. ‘G’, 1,200 Sq.Ft., $361,990

36' Attached Homes, The Granborough, Elev. ‘F’, 2,374 Sq.Ft., $595,990

Presentation Centre Hours: Monday to Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

FEbruary 18 - march 3, 2012

Elev. ‘G’