Imagine a lifestyle of ease in a home tailored to your needs.
Courtyard Homes include private, beautifully landscaped courtyards, combined with a smooth blend of indoor and outdoor living spaces. These low maintenance homes offer you value, flexibility and time. Riverstone is a modern community in Belleville designed by local awardwinning builder Geertsma Homes Ltd. This sought-after development is nearing completion with limited options available, call to arrange an appointment today.
PERSONAL FINANCE | JESSE ABRAMS
Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com
WESTERN VIEW | MIKE COLLINS-WILLIAMS
Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.
TRREB REPORT | ELECHIA BARRY-SPROULE
Elechia Barry-Sproule is President of the Toronto Regional Real Estate Board (TRREB) and Broker/Owner of Red Apple Real Estate Inc. She is committed to mentoring and supporting real estate professionals across the industry. trreb.ca.
HOME REALTY | DEBBIE COSIC
Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca
REAL ESTATE PRO | BARBARA LAWLOR
Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com
STAT CHAT | BEN MYERS
Ben Myers is the President of Bullpen Consulting, a boutique residential real estate advisory firm specializing in condominium and rental apartment market studies, forecasts and valuations for developers, lenders and land owners. Contact him at bullpenconsulting.ca and @benmyers29 on Twitter.
BILD REPORT | DAVE WILKES
Dave Wilkes is president and CEO of the Building Industry and Land Development Association (BILD), the voice of the home building, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter at @bildgta or visit bildgta.ca
SENIOR VICE-PRESIDENT, SALES, NEXTHOME
Hope McLarnon
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EDITORIAL DIRECTOR
Amanda Pereira
EDITOR-IN-CHIEF – GREATER TORONTO AREA
Wayne Karl wayne.karl@nexthome.ca
CONTRIBUTORS
Mariam Aboutaam, Jesse Abrams, Elechia Barry-Sproule, Mike Collins-Williams, Debbie Cosic, Barbara Lawlor, Linda Mazur, Ben Myers, Dave Wilkes
EXECUTIVE MEDIA CONSULTANTS
Jacky Hill, Michael Rosset
VICE-PRESIDENT, MARKETING – GTA
Leanne Speers
MANAGER CUSTOMER SALES/SERVICE
Marilyn Watling
SALES & MARKETING CO-ORDINATOR
Gary Chilvers
BUSINESS DEVELOPMENT MANAGER
Josh Rosset
DISTRIBUTION distributionteam@nexthome.ca
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GRAPHIC DESIGNER & PRE-PRESS COORDINATOR
Hannah Yarkony
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IT’S COMING AROUND
WAYNE KARL EDITOR-IN-CHIEF HOMES Magazine
EMAIL: wayne.karl@nexthome.ca
TWITTER: @WayneKarl
No one could blame prospective new condo buyers from feeling a little apprehensive these days. To be sure, pre-construction opportunities are available, but low housing starts and paused projects create and air of uncertainty.
Some, in fact, worry that the current state of the market echoes what we saw in the 1980s and 1990s.
“We have been here before,” Dave Wilkes, president and CEO of the Building Industry and Land Development Association (BILD), writes in his Industry Report on page 13. “The 1990s downturn left a lasting mark on our economy, with lost jobs in the construction and skilled trades sector, widespread financial strain on Canadians and a prolonged recovery.”
Not this time, however, at least according to recent research from Canada Mortgage and Housing Corp. (CMHC). “We find several major differences,” CMHC says in a report on Sept. 14. “These include a more diverse and stable economy, stricter lending rules that have discouraged speculative building and an underlying shortage of homes based on demographics.”
One key difference is that the condominium downturn in the 1990s unfolded during a severe recession, CMHC says. And while there is economic uncertainty brought on by trade tensions with the U.S., overall employment remains stable.
Indeed, the unemployment rate remained unchanged in September, at 7.1 per cent. Another important signpost, inflation, also remains fairly stable, inching up to 2.4 per cent in September, from 1.90 per cent in August and 1.70 per cent in July.
After a period of adjustment, growth will return, CMHC says. “Looking ahead, we anticipate a more balanced market. Combined with current pentup demand and expected economic growth over the next few years, this could amplify concerns about a lack of housing supply.”
Or, as Ben Myers summarizes in his Stat Chat column on page 20, “The (GTA) housing market in late 2025 is offering opportunities for buyers willing to take measured risks. After years of explosive growth, the market has entered a correction phase. Some of the long-standing drivers of price appreciation have reversed: Population growth has slowed, sales have stalled and even the rental market has cooled. Yet beneath these short-term adjustments, the same fundamentals remain: Limited land, strong long-term demand and a diverse population that still needs housing. For many, today’s lull may represent a brief pause before the next climb.”
In other words – an opportunity.
BUILDER PROFILE
Branthaven redefines luxury living in Glen Williams, Georgetown and Creditview, Brampton
From the artisan-inspired estate homes of Canvas Hill in Glen Williams, Georgetown, to the multi-generational flexibility of Classic Drive in Creditview, Brampton, Branthaven is redefining what modern family luxury living can mean.
HOUSING POLICY
Federal government launches Build Canada Homes to address issues facing homebuilding
The federal government has launched Build Canada Homes, a new $13-billion program to address the supply and affordability issues facing the homebuilding industry in Canada.
PERSONAL FINANCE
How to spot a great mortgage beyond the interest rate
Mortgage rates are still in the higher range compared to a few years ago, and many buyers feel that pressure when they run the numbers on monthly payments. The good news is that most experts expect rates to keep dropping over the next year, while home prices are trending down – creating an opportunity for buyers.
CITY FOCUS
History, culture and prosperity abound in Kitchener-Waterloo Kitchener-Waterloo may have once been best known as the home of Kitchener-Waterloo Oktoberfest, meat processor Schnieder Foods and the Ontario Hockey Leagues Kitchener Rangers. But while rich in German heritage and other cultural activities, this town of about 258,000 has more recently gained a reputation more for high technology and education than pork sausage and beer-inspired oompahs.
ANALYSIS
How homeowners can unlock thousands in interest-free loans and rebates
Ontario homeowners looking to improve their homes and cut energy costs have two government-funded opportunities to save money and finance home improvements such as new doors and windows. These programs offer financial support for making homes more energy-efficient, helping homeowners reduce monthly bills while contributing to Canada’s climate goals.
ONTARIO LOWERING COSTS FOR FIRST-TIME HOMEBUYERS
As part of its plan to lower costs and help more families realize the dream of homeownership, the Ontario government is proposing to rebate the full eight-per-cent provincial portion of the HST for first-time homebuyers on new homes valued up to $1 million. The move is universally lauded by the homebuilding industry.
The province’s proposal, which will be included in the 2025 Fall Economic Statement, would save first-time homebuyers up to $80,000 off the cost of a new home when combined with existing provincial relief, helping lower costs for first-time buyers and spurring the construction of more homes. When combined with the federal government’s proposed removal of its five-per-cent portion of the HST, which would save up to $50,000 off the cost of a new home, total savings for first-time buyers would equal up to $130,000.
“In the face of tariffs and global economic uncertainty, it’s never been more important to make life more affordable for the hardworking people of Ontario,” says Peter Bethlenfalvy, minister of finance. “Through our proposed HST rebate on new homes for qualifying first-time homebuyers, we are leading by example – saving families money on one of the biggest financial transactions of their lives.”
“The Ontario government’s extension of the GST/HST exemption to the first $1 million on the purchase of a new home, or substantially renovated home, for first-time homebuyers is a step in the right direction in addressing the worst housing downturn on record,” says Dave Wilkes, president and CEO of the Building Industry and Land Development Association (BILD). “Addressing this challenge requires the concerted effort of all levels of government and the industry to
lower new housing costs, increase housing starts and protect jobs and the economy. (BILD) appreciates the efforts of the provincial government and will continue to work with the government to advise on additional measures required to address the structural challenges facing the industry. With GTA new housing prices down 20 per cent from the peak and these new measures, now is a great time for first-time buyers to step off the sidelines and get into the market.”
“RESCON has been advocating for an aligned GST/HST rebate for first-time homebuyers,” adds Richard Lyall, president of the Residential Construction Council of Ontario (RESCON). “We are grateful to the provincial government for their announcement which implements this full GST/HST rebate of 13 per cent for first-time homebuyers in Ontario. This is good news for the thousands of young people and families who have been struggling to realize the dream of new-home ownership.”
The new Ontario rebate would be available in addition to the existing Ontario HST New Housing Rebate, which already provides relief of up to $24,000 to eligible purchasers, including but not limited to firsttime home buyers. Together with Ontario’s existing HST New Housing Rebate, the new Ontario rebate would provide relief of the full eight-percent provincial portion of the HST on qualifying new homes valued up to $1 million for first-time homebuyers. For homes valued between $1 million and $1.5 million, the new rebate would follow the phased reduction under the proposed federal rebate. That means the rebate would be gradually reduced as the price of a new home increases from $1 million to $1.5 million, to a minimum of $24,000 for homes valued between $1.35 million and $1.5 million. This ensures the combined amount of relief available under both Ontario rebates would not be less than the amount that is currently provided through the existing Ontario HST New Housing Rebate.
GTA BUILDERS SHINE AT 2025 OHBA AWARDS OF DISTINCTION
The Ontario Home Builders’ Association (OHBA) has announced the winners of the 2025 OHBA Awards of Distinction (AoD), with builders in the GTA and surrounding area taking home several key awards. This annual awards program recognizes the creativity, innovation and excellence of builders, renovators, developers and service professionals within Ontario’s residential construction industry. Categories span seven groupings, including renovation, architectural design, room design, image and advertising, on-site sales presentation, and the coveted Prestige Awards.
For a complete list of winners, visit ohbaaod.ca.
BUILDER OF THE YEAR –SMALL VOLUME: TERRA VIEW CUSTOM HOMES LTD.
Terra View has created comprehensive digital marketing campaigns that showcase both the vibrant community and natural beauty of their locations while educating buyers about Net Zero home benefits. The company leverages its local and national
recognition portfolio strategically, including six consecutive GDHBA Green Builder of the Year awards and three Energy Star Canada Small-Size Builder of the Year Awards in the past five years. Terra View actively supports its local – Grand Highlands Home Builders Association –through comprehensive engagement including event sponsorship, advocacy and volunteerism. Its achievements elevate the entire industry’s profile as one of the top five builders across Canada participating in the CHBA Net Zero Home Labelling Program.
BUILDER OF THE YEAR –LARGE VOLUME: TRIDEL
When market conditions shifted, Tridel pivoted to move-in-now campaigns and hard-hat tours of nearly finished buildings, offering realtors and buyers firsthand insight into construction quality. A new free seminar series targeted audiences interested in downsizing, first-time buying and investing. Locally, the company led the creation of Community Economic Development (CED) agreements alongside Toronto Community
Housing – establishing models for community investment, workforce inclusion and business development within revitalization areas.
2025 PRESTIGE AWARD WINNERS ALSO INCLUDE:
• Project of the Year – Lowrise: Silvergate Homes for Prudhomme Landing
• Project of the Year – High- or Midrise: Brixen Developments Inc. for Exhale Residences
• OHBA People’s Choice: Silvergate Homes for Prudhomme Landing
ARCHITECTURAL DESIGN
• Production Built Home (One storey) Stratton Homes Ltd. Glasshaus –Huntsville
• Production Built Home (Two storeys up to 2,500 sq. ft.)
Terra View Custom Homes Ltd., The Mapleridge – Guelph (credit to: Terra View Custom Homes Ltd.)
• Production Built Home (Two storeys 2,501 sq. ft. and over) Minto Communities, The Oasis –Ottawa
• Attached Multi-Unit Home Geertsma Homes Ltd., Riverstone
Subdivision, The Winsford –Belleville
• Stacked or Back-to-Back Townhome
National Homes, Northshore Towns, The North – Burlington (credit to: ADhoc Studio, esQape design inc., Kirkor Architects & Planners, McOuat Partnership)
• Midrise Building (4-10 storeys)
The Rose Corporation, The Bakerfield II – Newmarket
• Highrise Building (11-plus storeys)
CentreCourt Developments Inc.,
Pickering City Centre – Pickering (credit to: Figur3)
• High- or Midrise Condo Suite (Up to 800 sq. ft.)
CentreCourt Developments Inc.,
Pickering City Centre – Pickering (credit to: Figur3)
• High- or Midrise Condo Suite (801 sq. ft. and over)
Starward Homes (2014) Ltd., 153 Wilson West – Ancaster
• Lobby Entrance
Menkes Developments Ltd., Adagio – Toronto (credit to: Figure3, Giannone Petricone Associates Inc.
Architects)
• Lowrise Green Building (1-3 storeys)
Doug Tarry Ltd., Eagle Ridge Northgate, Central Elgin
• High- or Midrise Green Building (4-plus storeys)
Tridel; Hines for Aqualuna at Bayside Toronto, Toronto
ROOM
DESIGN
• New Home Kitchen (New Lowrise Home up to 2,500 sq. ft.)
Gordon Tobey Developments Ltd. for Hamilton Woods, Brighton
• New Home Kitchen (New Lowrise Home 2,501 sq. ft. and over)
Minto Communities, The Oasis – Ottawa (credit to: Laurysen Kitchens Ltd.)
• New Home Bathroom Mountainview Homes (Niagara) Ltd., House on The Hill – Fonthill
HIGH- OR MIDRISE AMENITY
• National Homes; Brixen Developments Inc., DUO Condos –Brampton (credit to: ADhoc Studio, McOuat Partnership)
IMAGE & ADVERTISING
• Lowrise Project Video (1-3 storeys)
Primont Homes, The Summit – The Blue Mountains
• High or Midrise Project Video (4-plus storeys)
Mattamy Homes Canada – Urban Division, BLVD Q – Etobicoke (credit to: Gladstone Media)
• Social Media Campaign
Equiton Developments, Maxium –Toronto (credit to: Community)
• Website – Corporate
Treasure Hill Home Corp.,
Treasure Hill – Concord (credit to: 52 Pick-up Inc.)
• Website – Project Specific
Georgian Communities, Windfall at Blue – Town of Blue Mountains (credit to: McOuat Partnership)
• Lowrise Ad Campaign (1-3 storeys)
Great Gulf, Five Creeks Estates –Orangeville (credit to: Montana
Steele Strategic Advertising, Pureblink, Qoo Studio Inc.)
• High- or Midrise Ad Campaign (4-plus storeys)
Equiton Developments, Maxium –Toronto (credit to: Community, kg&a)
• Lowrise Project Branding and Identity (1-3 storeys)
Silvergate Homes Ltd., Prudhomme's Landing – Vineland (credit to: McOuat Partnership)
• High- or Midrise Project Branding and Identity (4-plus storeys)
Pratt Homes, Elements
Condominium – Barrie
ON-SITE SALES PRESENTATION
• New Home Sales Office (Up to 1,500 sq. ft.)
Silvergate Homes Ltd., Prudhomme's Landing – Vineland (credit to: Artcraft Kitchens, Fisher & Paykel Appliances Canada Inc., McQuat Partnership, Silverline Group Inc.)
• New Home Sales Office (1,501 sq. ft. and over)
Amexon Development Corp., Missoni Sky – Toronto (credit to: Core Architects Inc., II By IV Design)
• Design/Decor Centre
Primont Homes, Primont Experience Centre – Richmond Hill (credit to: Estate Interiors, Jane Lockhart Interior Design)
• Model Home/Suite (Up to 2,500 sq. ft.)
Kylemore Communities & Angus Glen Developments, Angus Glen South Village by Kylemore –Markham
• Model Home/Suite (2,501 sq. ft. and over)
Treasure Hill Home Corp., Palmetto – Oshawa
• Lowrise Project Sales Brochure (1-3 storeys)
Treasure Hill Home Corp., Meadowlark – Bolton (credit to: 52 Pick-up Inc.)
• High- or Midrise Project Sales Brochure (4-plus storeys)
Rosehaven Homes for Rebecca Condos – Hamilton (credit to: Figur3)
PRESTIGE AWARDS
• Project of the Year – Lowrise Silvergate Homes Ltd., Prudhomme's Landing – Vineland (credit to: McQuat, Neezo, RN Design Ltd.)
Silvergate Homes Ltd., Prudhomme's Landing – Vineland (credit to: McQuat, Neezo, RN Design Ltd.)
• OHBA Service
Professional of the Year
My Design Studio – Woodbridge
• Ontario Builder of the Year –Small Volume
Terra View Custom Homes Ltd. –Guelph
• Ontario Builder of the Year –Large Volume
Tridel – North York
GTA MARKET SEES BOOST IN SEPTEMBER FOLLOWING INTEREST RATE CUT
September home sales increased in the Greater Toronto Area (GTA) compared to a year earlier, as more homebuyers sought to take advantage of more affordable monthly mortgage payments. Buyers continued to respond to substantial choice in the marketplace by negotiating the average selling price downward.
“The Bank of Canada’s September interest rate cut was welcome news for homebuyers,” says Toronto Regional Real Estate Board (TRREB) President Elechia Barry-Sproule. “With lower borrowing costs, more households are now able to afford monthly mortgage payments on a home that meets their needs. Increased home purchases will also stimulate the economy through housing-related spin-off spending helping to offset the impact of ongoing trade challenges.”
GTA realtors reported 5,592 home sales through TRREB’s MLS System in September 2025 – up by 8.5 per cent compared to September 2024. New
listings amounted to 19,260 – up by four per cent year-over-year.
On a seasonally adjusted basis, September home sales were up month-over-month compared to August 2025. In contrast, new listings were down compared to August, suggesting that market conditions may have tightened slightly in some segments.
The MLS Home Price Index (MLS HPI) Composite benchmark was down by 5.5 per cent year-over-year in September 2025. The average selling price, at $1.06 million, was also down by 4.7 per cent compared to September 2024.
On a month-over-month seasonally adjusted basis, the MLS HPI Composite dipped by 0.5 per cent compared to August. The average selling price remained largely flat compared to August, edging up by 0.2 per cent.
“While home sales have improved over the past year, they still remain below normal levels relative to the
number of households in the GTA,” says TRREB Chief Information Officer Jason Mercer. “Two more 25-basispoint interest rate cuts by the Bank of Canada would see monthly mortgage payments move more in line with homebuyers’ average incomes, further spurring home sales and related economic activity.”
“Housing industry stakeholders have, for the most part, worked independently to reach our parallel goals, but momentum appears stalled,” adds TRREB CEO John DiMichele. “At a time when we are facing a collapse of new construction sales and starts, it’s time for us to come together as a unified voice, align our efforts and collectively work to break down the remaining barriers that impede progress in housing development. TRREB will approach our partners in a renewed effort to reignite momentum with industry leaders, policymakers, and stakeholders in the Greater Golden Horseshoe.”
GTA NEW HOME SALES AND STARTS:
TIME FOR GOVERNMENTS TO PROVIDE CERTAINTY
Now that fall is firmly underway, the state of the housing market in Canada’s major urban areas is a top priority. The latest new home sales data is unequivocal. Without decisive and immediate action, the repercussions will not only deepen the housing crisis, but also undermine economic stability and employment, at a time when our country is confronting recessionary threats.
According to Altus Group, there were just 359 new home sales in the GTA in July 2025, a 48-per-cent decline from July 2024 and 82 per cent below the 10-year average. Sales in Vancouver and Ottawa are also sharply down, at 70 and 50 per cent below historic levels, respectively. In August, there were only 300 new home sales in the GTA, a 42-per-cent decline from August 2024 and 81 per cent below the 10-year average. September sales figures are pending, but will likely not yield a significant change in trajectory.
These results are not an anomaly, but part of an alarming and worsening trend. Year-to-date sales in 2025 (up to August) stand at 3,002 units, compared to 4,434 during the same period in 1990, one of the most difficult years on record and a time when our population was significantly smaller and housing needs were far less acute..
We have been here before: The 1990s downturn left a lasting mark
on our economy, with lost jobs in the construction and skilled trades sector, widespread financial strain on Canadians and a prolonged recovery. As governments return to capitals across the country, the need for speed and purpose could not be greater. That means three things.
First, the federal and affected provincial governments must immediately implement a comprehensive HST exemption. As Ontario Premier Doug Ford has indicated, this is not the time for half measures. A full HST exemption on the first $1 million of a new home or substantially renovated home is the only fair and equitable policy approach – and one that reflects the original intent of the GST policy on new homes.
Second, the provincial government must accelerate the full implementation of Bill 17. While it is working to deliver long-overdue changes to development charges, much of the heavy lifting is being done by regulation still under development. Specifically, in collaboration with the federal government, work must be accelerated to redefine how major infrastructure and transit investments are funded and stop placing the burden on new homebuyers. By implementing these solutions, costs can be lowered in a substantial and equitable manner and help advance stalled new housing in the region.
Third, municipalities in the GTA must consider what they can do to create an economic and regulatory environment that supports new housing construction rather than hinder it. Some, such as Mississauga,
Peel and Vaughan, have acted on development charges. Others, such as Toronto, have adopted a new approach for approvals. Councils across the GTA should be ensuring their policies and procedures are encouraging the addition of new housing rather than being a barrier by adding costs and delays.
Housing is more than just shelter – it is an economic engine. The residential construction industry supports hundreds of thousands of jobs in the GTA, from skilled trades to suppliers, professional services to manufacturers. When new home sales decline, jobs disappear. Altus Group has estimated that approximately 40 per cent of the direct jobs in the new housing sector are at risk. Not to mention the billions in investment, taxes and other spin-off impacts of the region.
The time for decisive action and leadership is now. Without it, we risk repeating the painful lessons of the past. With it, we can ensure Canadians seeking to buy a new house to call home can do so and that workers who have invested their careers in our sector can continue to build.
Dave Wilkes is President and CEO of the Building Industry and Land Development Association (BILD), the voice of the homebuilding, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter, @bildgta or visit bildgta.ca.
+MORE CONTENT ONLINE nexthome.ca
DAVE WILKES
YOUR DREAM HOME
IN GUELPH AND CAMBRIDGE WITH TERRA VIEW HOMES
Building for the future, today. For more than 30 years, Terra View Custom Homes has been building award-winning homes in Guelph and surrounding areas, garnering industry recognition for its dedication to Green building practices and energy efficiency. Recently named Ontario Builder of the Year – Small Volume at the 2025 OHBA Awards of Distinction, Terra View’s commitment to sustainability continues to be recognized on local, provincial and national levels. The builder specializes in new, custom and Net Zero homes to help bring Guelph and surrounding areas’ most sustainable communities to life.
FEATURED COMMUNITIES
HART VILLAGE IN SOUTH GUELPH
Model home: 62 Lovett Lane, Guelph
Now selling final last few lots in Phase 2 – semis, pre-construction 30-ft. singles, 40- and 45-ft. conservation lots
Build your forever home in a unique mixed residential community located in the vibrant south end of Guelph on what was once the old Hart Farm Homestead. This Net Zero Ready community is the first of its kind in Guelph. Situated just minutes from Guelph’s best amenities and an easy drive to the 400-series highways, Hart Village offers city conveniences while backing onto conservation land and
greenspace. With few remaining lots in Phase 2, this is a rare opportunity to build your dream home on premium 40- and 45-ft. conservation lots. Visit terra-view.com/hart-village.
NIMA TRAILS IN NORTH-EAST GUELPH
Model home: 2 Nicholas Way, Guelph
Now selling into Phase 2 – 36.7- and 40-ft. singles (move-in ready and preconstruction) and freeholdtownhomes Explore the great outdoors in your own backyard. NiMa Trails features inspired family residences nestled in beautiful forestry and conservation land on the edge of Guelph Lake Conservation Area. Built to Net Zero Ready standards, these
expertly crafted homes offer modern, functional designs that preserve the beauty of their natural surroundings. Enjoy an extensive network of community trails, a large community park, and convenient access to Guelph’s downtown core and major amenities. Discover NiMa Trails at terra-view.com/nima.
MOFFAT
CREEK IN EAST GALT
Model home: 3 Ritchie Court, Cambridge
Now selling Phase 1 – premium singles on 36-ft. walkout conservation lots and 38-ft. walkout and lookout lots on private cul-de-sac Premium lots. Prestigious homes. Perfect location. Be one of the first to purchase in this new community and build your dream home on the best lots in South Cambridge. Nestled in nature and surrounded by 90 acres of conservation lands, Moffat Creek remains close to downtown Galt and major amenities
including a future public and catholic elementary school (coming 2026) and Cambridge Recreation Complex. Featuring Net Zero Ready homes with custom designs, double-car garages and premium finishes, take advantage of a limited-time promotion to secure your lot today. Visit terra-view.com/moffat-creek.
For more information, contact shelley@terra-view.com or visit terra-view.com.
INVENTORY HOMES AND INCENTIVES
As we round the fall months heading into the end of the year, with Bank of Canada interest rate reduction in September and another expected on Oct. 29, prospective homebuyers on the new homes and resale fronts are wondering – is now the time to execute their well-thought-out plans.
Uncertainty from the threat of U.S. tariffs remains, though, causing some buyers and builders to pause.
by WAYNE KARL
If there was pent-up demand before, these circumstances are only causing it to grow even further, as prospective buyers wait for clarity before making their move.
“The Greater Toronto Area housing market in late 2025 is offering opportunities for buyers willing to take measured risks,” industry consultant and analyst Ben Myers says in his Stat Chat column on page 20.
“After years of explosive growth, the market has entered a correction phase. Some of the long-standing drivers of price appreciation have reversed: Population growth has slowed, sales have stalled and even the rental market has cooled. Yet beneath these short-term adjustments, the same fundamentals remain: Limited land, strong long-term demand and a diverse
population that still needs housing. For many, today’s lull may represent a brief pause before the next climb.”
Indeed, currently, it’s a buyers’ market, and there are choices and deals, particularly for inventory homes that are ready to move in.
“Our move-in ready homes are moving fast in this buyers’ market,”
Richard Mariani, sales and marketing manager at CountryWide Homes, told HOMES Magazine. “Homebuyers see the unique opportunity to be able to get into a brand-new CountryWide Home that comes with appliances, air conditioner, full warranty, zero development charges and thousands of dollars in upgraded finishes.
“Whether they’re looking for a freehold townhome, semi or detached home, there’s flexibility to move in before the holidays or early 2026 in some of our most indemand and premium communities throughout the GTA.”
CountryWide, of course, is not the only builder with such offerings.
Terra View Homes, for example, has Designer Series Homes of “movein ready, quick occupancy, quality family homes. Comprised of our most sought-after and in demand
“
” For many, today’s lull may represent a brief pause before the next climb.
floorplans, every Designer Series home is finished in today’s most trending designer finishes both inside and out.”
Branthaven offers a series of Quick Start Homes that are move-in ready, with 30- to 120-day closings. These may also include luxury upgrades and more than $500,000 in price reductions.
National Homes, too, is offering significant enticements at some of its developments, including $200,000 cash off and a bonus value at its Northshore Townhomes community in Burlington.
“While some might see the uncertainty as a reason to wait, savvy buyers know that these conditions create opportunities to secure fantastic pre-construction deals,” says Debbie Cosic, CEO and founder
MOVE-IN READY OPPORTUNITIES
BRAMPTON Queens Lane, by Branthaven branthaven.com
BURLINGTON Millcroft Towns, by Branthaven branthaven.com
GUELPH Nima Trails, by Terra View Homes terra-view.com
GUELPH Hart Village, by Terra View Homes terra-view.com
OAKVILLE West & Post, by Branthaven branthaven.com
OAKVILLE Upper West Side 2, by Branthaven branthaven.com
of In2ition Realty. “Developers are offering incentives to attract buyers, and those who act now can lock in incredible value before the market shifts again.”
Some builders are also offering appealing incentives to buy sooner than later. These vary from builder to builder, however, and are sometimes shared with buyers only in sales offices. They are also available for the proverbial “limited time only and subject to change without notice,” so it’s best to check with builders directly.
CountryWide, for example, had earlier partnered with TD Bank to offer firm mortgage approvals up to 24 months. Another company was recently offering a new car with home purchase.
HOW TO GET THE BEST MORTGAGE
WHEN IT’S TIME TO RENEW
JESSE ABRAMS
Over the next two years, millions of Canadians will reach mortgage renewal. Unlike past renewal cycles, this one comes at a time when interest rates are still elevated compared to historic lows. For homeowners who locked in fiveyear terms during the ultra-cheap borrowing era of 2020 and 2021, the jump in payments may feel like a shock. But with preparation, the renewal process can also be a
valuable opportunity to save money and secure a mortgage that better suits your needs today.
WHY RENEWALS MATTER MORE THAN EVER
Renewals are always important, but the stakes are especially high in 2025 and 2026. Industry analysis shows that the majority of renewals will lead to higher monthly payments, in some cases by 15 to 20 per cent. On a typical Canadian mortgage, that can translate to hundreds of dollars more each month.
At the same time, the Bank of Canada is widely expected to
begin cutting rates gradually. That means there may be opportunities for borrowers who shop carefully, but it also means the timing of your renewal and the product you choose will matter more than ever.
“ ” One of the most common mistakes homeowners make is waiting until their renewal notice arrives.
START EARLY AND KNOW YOUR OPTIONS
One of the most common mistakes homeowners make is waiting until their renewal notice arrives. By then, your options are limited and you may feel pressured to accept whatever is offered. The smarter move is to start the process four to six months before your term ends. This gives you time to compare offers from multiple lenders, negotiate with your current provider, and even lock in a rate ahead of time.
Shopping early can also give you peace of mind. If rates rise while you’re waiting, you’ve already protected yourself with a rate hold. If they fall, you can always adjust and secure a better deal.
DON’T JUST ACCEPT YOUR LENDER’S FIRST OFFER
Your lender wants to keep your business, but their first offer
may not be their best. Many homeowners simply sign and send it back without question. Doing so can cost you thousands over the life of your mortgage. Instead, compare your options and use them as leverage. Whether you stay with your lender or switch to a new one, knowing what’s available will put you in a stronger negotiating position.
“
” Switching from monthly to biweekly payments may shorten your overall mortgage and save money long term.
CONSIDER THE RIGHT MORTGAGE STRUCTURE
Renewal is a good time to think about more than just the interest rate. Your lifestyle, financial goals and risk tolerance should guide your decision.
• A fixed rate gives you stability and predictability, which may be valuable if your budget is tight.
• A variable rate could save money if rates decline in the coming years, though it comes with more risk.
• A shorter term might allow you to renew again sooner if rates are expected to fall further.
• Blended or split mortgages let you combine fixed and variable portions to balance security with flexibility.
Beyond rate and term, think about amortization and payment frequency. Extending your
amortization may reduce monthly costs, but it increases interest over time. Switching from monthly to biweekly payments may shorten your overall mortgage and save money long term.
NEGOTIATE EVERYTHING YOU CAN
It’s not just about the rate. Ask about waiving appraisal fees, reducing legal costs or improving prepayment privileges. Lenders are competing for your business, and small concessions can add up. Working with a broker can help uncover offers you may not access directly.
THE BOTTOM LINE
Mortgage renewal is more than just a piece of paperwork, it’s a chance to take control of your financial future. With rates higher than many homeowners are used to, the impact of your renewal could be significant. By starting early, comparing options and thinking strategically about the right structure, you can turn a moment of potential stress into an opportunity to save money and align your mortgage with your goals. Our team at Homewise has seen many clients push back on shopping around at renewal, and that could lead to thousands of dollars in missed savings. Just remember, 15 minutes can save you thousands.
Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com
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GTA HOUSING DYNAMICS: A CYCLE ABOUT TO TURN?
The Greater Toronto Area housing market in late 2025 is offering opportunities for buyers willing to take measured risks. After years of explosive growth, the market has entered a correction phase. Some of the long-standing drivers of price appreciation have reversed: Population growth has slowed, sales have stalled and even the rental market has cooled. Yet beneath these short-term adjustments, the same fundamentals remain: Limited land, strong long-term demand and a diverse population that still needs housing. For many, today’s lull may represent a brief pause before the next climb.
For the first time in years, Ontario’s population contracted in the second quarter of 2025, marking a rare pause after a decade of record immigration. The province had been adding roughly 185,000 people annually since the mid-2000s, but the economic slowdown and tighter immigration policies have softened that pace. At the same time, the unemployment rate has risen to 7.8 per cent, compared with a multi-decade low of 5.0 per cent in early 2023.
For homebuyers, these shifts have created a short-lived breather. Fewer new households mean slightly less competition for both rentals and ownership housing. However, because the GTA’s housing shortage stems from years of underbuilding, these temporary headwinds are unlikely to alter the longterm imbalance between supply and demand.
The rental market, which saw years of rapid rent increases, is finally catching its breath. More than 200,000 condominium apartments across the region are now rented by individual owners, four times as many as in 2009. Developers have also added thousands of purposebuilt rental units, leading to a brief period of oversupply in some neighbourhoods. Rents have edged down on a monthly basis, largely due to smaller average unit sizes and reduced parking availability in new buildings.
Vacancy rates, which had hovered near record lows, have begun to rise. Average rents in new rental buildings are down about five per cent year-over-year, and condo rents have dipped by roughly one per cent after climbing more than 25 per cent between 2021 and 2023. The slowdown is most visible downtown, where smaller suites are leasing more
BEN MYERS
slowly, while areas such as North York, Etobicoke and Scarborough remain relatively stable.
For renters considering ownership, this softening offers a narrow window of opportunity: Rents may not fall much further, but for now, they’ve stopped climbing.
Episode 92 of the Toronto Under Construction podcast provides an inside look at how developers and investors are navigating this reset. Guest speakers Geoff Matthews (senior vice-president, Capital Development) and Kathy Black (vice-president of development, Fiera Real Estate) explained that while short-term challenges are real, most seasoned players remain focused on the long term.
Black described how her firm continues to prepare large mixeduse projects for the next cycle, even if construction is years away. She noted that patient capital is key since income-generating properties allow developers to wait for the right combination of policy, demand and financing conditions. That perspective should reassure buyers that, despite today’s uncertainty, confidence in the GTA’s fundamentals remains high.
Matthews echoed that sentiment but noted that every project now gets tested as both a condo and rental opportunity. While condos can appear profitable on paper, high borrowing costs and slower absorption often tilt the balance toward rental. Developers are adapting by prioritising flexibility, phasing construction and reducing reliance on pre-sales.
The conversation also highlighted the complexity of the development process. Black explained that securing zoning and approvals is a timeconsuming and high-risk effort that adds genuine value to the market. Rather than waiting for prices to rise, many firms are working to advance sites through planning, so they are ready when economic conditions improve. This is a reminder that the groundwork for tomorrow’s housing
is often laid in the quiet periods between cycles.
Both guests expressed frustration with municipal processes and the gap between development charges collected and infrastructure delivered. Matthews called for greater transparency, while Black contrasted Toronto’s lengthy approvals with more collaborative cities such as Vancouver and Calgary, where purpose-built rentals can move from application to approval in months rather than years.
For buyers, these insights underline a critical truth: Even though projects may take time to reach market, developers continue to invest heavily in future supply. Today’s slowdown does not mean the industry has stopped; it means it is recalibrating.
Pre-construction sales have fallen to their lowest levels in decades. Developers sold nearly 30,000 units in 2021 but fewer than 5,000 last year, and activity is expected to remain subdued through 2026. Despite this, pricing has held remarkably firm. After a 30-percent jump between 2019 and 2022, average condo prices have eased only about four per cent since then.
The reason is simple: It remains difficult to build at lower costs.
Construction expenses are still high, financing remains expensive and resale prices sit well below replacement value. Buyers shopping for new homes today may find modest incentives or upgrades but not deep discounts.
The GTA housing market is experiencing a rare reset. Over the next one to two years, affordability may improve slightly as developers compete for fewer buyers and rental growth stabilises. But this calm period is temporary. With construction starts falling sharply and demand expected to recover later in the decade, the region could face another shortage by the late 2020s.
For homebuyers, that means today’s stability may be an
“ ” For buyers, these insights underline a critical truth: Even though projects may take time to reach market, developers continue to invest heavily in future supply. Today’s slowdown does not mean the industry has stopped; it means it is recalibrating.
opportunity to plan ahead, whether buying a first home, upgrading or investing for the long term. Developers and capital partners remain confident that Toronto’s fundamentals (limited land, population growth and global appeal) will keep the region’s housing market strong in the years ahead.
The GTA housing market has paused, not collapsed. Do your own research, surround yourself with an experienced team, and buy what you can afford. Good luck.
Ben Myers is the President of Bullpen Consulting, a boutique residential real estate advisory firm specializing in condominium and rental apartment market studies, forecasts and valuations for developers, lenders and land owners. Contact him at bullpenconsulting.ca and @benmyers29 on Twitter.
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THE POWER OF MINDFUL LEADERSHIP IN REAL ESTATE AND WHY IT AFFECTS YOU
Buying or selling a home can be exciting, but it can also be one of the most stressful experiences of your life. With so many moving parts, from finances to timing, people often look for steady guidance. This is where leadership in real estate makes all the difference. When realtors lead with mindfulness, meaning they stay present, manage stress and show empathy, clients feel more supported and communities become stronger.
LEADING WITH PRESENCE
On a recent episode of TRREB’s Ready to Real Estate podcast, TRREB’s Chief Information Officer Jason Mercer spoke with Dr. Ellen Choi, a leading mental health researcher and professor. She shared how presence helps leaders manage stress with calm, support their teams more effectively and provide better care to clients.
For buyers and sellers, that presence can be felt in every interaction. It might be the realtor who takes time to walk you through the fine print without rushing, or the one who listens carefully when you explain what matters most to you or your family.
TURNING AWARENESS INTO ACTION
Dr. Choi described mindfulness as understanding your emotions, regulating your responses and focusing on a greater purpose. In real estate, that translates into moments where clients feel seen and cared for. As she explained, “You can connect with a client in order to get the deal
done, or you can connect with a client and change their whole day.”
That kind of care can transform a stressful step in the homebuying or selling journey into a positive and even memorable experience.
THE RIPPLE EFFECT ON COMMUNITIES
The impact of mindful leadership extends beyond individual transactions. When realtors bring empathy and calm into their work, it builds trust not only between clients and professionals but also across neighbourhoods. People feel more confident in their decisions, more connected to their community, and more certain that the real estate process is fair and transparent.
Dr. Choi also noted that mindful leadership begins with self-care. Leaders who take the time to recharge and reflect set a tone that benefits everyone around them. Clients working with professionals who bring focus and patience to the table experience a steadier and
more supportive process, even in challenging markets.
CHOOSING INTENTION OVER REACTION
Mindful leadership is not about perfection. It is about presence. When realtors lead with awareness and compassion, they not only strengthen their businesses, they create better experiences for the people they serve and contribute to more resilient communities.
To hear more from Dr. Ellen Choi and to explore other conversations on market trends, tools, and leadership, listen to Ready to Real Estate at trreb.ca.
Elechia Barry-Sproule is President of the Toronto Regional Real Estate Board (TRREB) and Broker/Owner of Red Apple Real Estate Inc. She is committed to mentoring and supporting real estate professionals across the industry. trreb.ca.
ELECHIA BARRY-SPROULE
HOW TECH IS QUIETLY REWRITING
THE FUTURE OF REAL ESTATE
DEBBIE COSIC
For decades, growth across the Greater Toronto Area followed a familiar pattern: Land availability, transit expansion and buyer demand dictated where we built next. But a new force is now shaping the suburban landscape, one that doesn’t pour concrete or lay track. It writes code.
Artificial Intelligence is rapidly becoming the invisible architect of the GTA’s next housing chapter. From early land evaluation to marketing and sales, AI is re-engineering how projects are conceived, priced and delivered. And while it’s not replacing the human touch, it’s absolutely redefining what “expertise” means in real estate.
Today, developers are using predictive analytics to pinpoint where future demand will cluster based on commute data, demographic trends and even climate-risk modeling. Algorithms can map how buyers migrate across regions long before the first “Coming Soon” sign hits the lawn. Builders can virtually test density, shadow impacts and traffic flows – compressing months of planning into days.
At In2ition Realty, we’re seeing how this data revolution is reshaping the way communities are sold, too. AI tools can model absorption scenarios, tailor pricing strategies and identify which features resonate
most with specific buyer segments. It’s not about chasing clicks, it’s about listening to what the data says people truly value: Lifestyle fit, efficiency and authenticity.
The “AI Suburb” won’t be some futuristic tech park, it will look a lot like the communities we already love, only built smarter. Homes designed with smart modeling that can predict and prevent maintenance issues before they happen. Neighbourhoods planned for actual human behaviour, not outdated assumptions. Marketing that feels personal because it is personal – informed by insight, not intrusion.
Yet technology alone doesn’t build trust. The future of real estate still belongs to those who combine human intuition with intelligent tools. The best builders, brokers
and marketers will be the ones who understand that AI is not replacing us, it’s amplifying us.
The GTA has always been a place of reinvention. The next reinvention is happening quietly, line by line of code. And if we embrace it wisely, the suburbs of tomorrow won’t just be smarter, they’ll be profoundly more human.
Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca
BARBARA LAWLOR
A LIGHT AT THE END OF THE TUNNEL
Could it be that we are experiencing major government help for our preconstruction housing industry? I have said repeatedly that we need creative thinking and cooperation among the private and public sectors to solve our current crisis. On Sept. 14, the Canadian Government launched the Build Canada Homes Agency to work toward building affordable housing at scale and at speed. This highlevel initiative involves the agency partnering with provinces, territories, municipalities and Indigenous communities, as well as builders and developers and overseeing steps to streamline the housing process.
Among the advantages of this agency are goals such as lowering rents and home prices, the faster delivery of houses, new jobs, stronger regional economies, a housing supply that better reflects the diverse needs of Canadians and long-term investment in housing development. If all of these occur, it will be like utopia for both builders and the homebuying public. For far too long, potential house and condominium purchasers have waited on the sidelines to take this major life step.
The agency’s initial $13 billion will go to using public lands for lead developments. There are six sites prioritized to receive 4,000 factorybuilt homes on federal lands, and thankfully, Toronto is among them. Some of the funds will go toward financial incentives for builders to construct affordable homes by reducing upfront costs. For several years, builders and developers have been asking government to do
something about reducing those costs, especially development charges. Many municipalities have already reduced and even eliminated them in some cases, which is only fair. We need new infrastructure, but these charges, which are passed on to the new home purchasers, often go to items not related to housing in any way. New homes and condos cost enough without adding unnecessary bureaucratic red tape to the equation.
As great as the new federal agency sounds, what would help immediately is offering GST elimination and reduction to all new-home buyers, not just first-time purchasers. If there has ever been a time when a tax break is needed to spur sales of all new homes and condos, it is now. Let us hope the government is listening on that front as well.
It is well known that housing in Canada is critical to our economic, psychological, social and emotional wellbeing. It is also wonderful to see action being taken to counter the supply/affordability crisis we
are experiencing. We need to instill confidence again, and the new federal agency is one step in that direction. The agency calls for teamwork on an unprecedented level. Let’s hope the goals of Build Canada Homes Agency come true and that everyone keeps an open mind to work together toward a common goal. As the future unfolds and we see new homes being built, I look forward to learning more details about the initiative. We are excited to welcome potential purchasers back into our sales offices and match them with the perfect new homes.
Barbara Lawlor is CEO of Baker Real Estate Inc. A member of the Baker team since 1993, she oversees the marketing and sales of new home and condominium developments in the GTA, Vancouver, Calgary and Montreal, and internationally in Shanghai. baker-re.com
The Winston by Insoho Developments
ALL GOVERNMENTS HAVE ROLE TO PLAY IN
ADDRESSING DEVELOPMENT CHARGES
MIKE COLLINS-WILLIAMS
While house prices may be stagnating, the housing crisis remains in full force: Ontario is facing a massive shortfall of homes and pentup demand, while at the same time, developers are unable to build new homes at a price homebuyers can afford amidst high construction costs, an uncertain regulatory environment and high taxes on development.
Municipalities have begun to pay close attention to their development charges, or DCs, which in many cities have grown exponentially over the past 15 years, and in some cases can make up a quarter of a new home’s purchase price. In recent months, both Hamilton and Burlington have taken steps to address escalating DCs.
Hamilton began its review of DCs in April, following the lead of Vaughan and Mississauga which reduced rates in the months prior. Over the summer, the City conducted a review of forecasted building starts, forecasted DC collections, financial impacts on municipal budgeting and engaged with stakeholders including the development industry. In August, the City of Hamilton approved a 20-per-cent reduction in DCs city-wide, applicable to all types of development, for two years from September 2025 to August 2027. This equates to DCs for a single-detached homes in Hamilton being reduced from $98,511 to $78,809.
Burlington took action as part of the 2024 DC Review, which saw long-
term projects removed, thus reducing the total amount of DCs that would need to be collected over the 10-year term of the DC by-law. Burlington began a new review in September, with Finance staff conducting an analysis for a reduction in DCs for a two-year period. The City will be discussing the results of the analysis at its October Pipeline to Permit Committee meeting.
All levels of government have a role to play in addressing the issue of high DCs. While municipalities are responsible for local service delivery, they are limited in their ability to raise revenue and rely primarily on property taxes and user fees such as water rates. The provincial and federal governments must play a larger role in funding housing enabling infrastructure. Through the recently passed Bill 17, the Ontario government has indicated it will explore the establishment of a new kind of municipal service corporation dedicated to water and wastewater.
This would enable municipalities to more efficiently build and maintain infrastructure more equitably by spreading costs across all users in the municipality.
All levels of government must work together with the development industry to create a tax environment that enables home builders to actually build housing at a cost that consumers can afford. Without action, the housing crisis will continue to escalate, jobs losses in the construction sector will get worse and more individuals and families will be prevented from accessing housing that meets their needs.
Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.
The timeless appeal of…
white kitchens
by LINDA MAZUR
Every where we look these days, we are seeing beautiful and colourful kitchens – rich deep blues, earthy greens, bold reds and vibrant pastels. So, with all the colourful kitchens we’ve been seeing of late, are we to assume that white kitchens are now a thing of the past? On the contrary. Though colourful kitchens are definitely on trend, the classic white kitchen is still holding its own. The bright, fresh look and feel of white kitchen cabinetry never really loses its appeal and for many is the goal for their kitchen renovation. However, just as appealing as a white kitchen can be, they can often be stark, cold and sometimes void of personality.
Kitchens are undoubtedly the heart of a home, and over the years have morphed from simple utilitarian spaces to rooms that are multifunctional living space reflecting both personal style and creativity. Boasting a more curated aesthetic with high-end finishes, custom designs and advanced technology our kitchens are not only stylish but comfortable. They are a reflection of our lifestyles and are central to our day-to-day life while having the flexibility to be an upscale extension of our living spaces for entertaining. White cabinetry offers a longevity that trend colours simply do not, there’s just no arguing that. They are an easy commitment that will offer you a lot of flexibility when it comes to the
aesthetics of your kitchen. However, moving beyond an all-white kitchen can open you up to a world of finishes, colours and inspirations that can see a bit of the current kitchen trends introduced into your space.
With all the fantastic colour options trending these days, we still find that white kitchens are not only desired but quite often preferred, because of their classic, timeless and simplistic approach. Though sometimes thought of as a safe choice, when considering the costs and longevity of kitchen trends not to mention the hassles of kitchen renovations, they are quite often the wise choice that can provide you with a blank canvass of sorts carrying you through the trends for many years to come. Whether you are drawn to the warmer more earthy whites or cooler, more modern whites, there is undoubtedly an abundant variety to select from for your millwork and accents that will set the tone for your space.
Add dimension to your kitchen with a patterned backsplash tile or use a bold marble, quartz or porcelain for your countertop, then continue it on your backsplash to really make a statement in your home. A great impactful floor tile or warm wood can be a wonderful asset in the space, as can the introduction of mixed metals and hardware. Adding strategic touches of colour or wood accents to your cabinetry can also enhance and elevate the aesthetics of your kitchen. And let’s not forget accessorizing your space with great colourful artwork, furniture or greenery to add some life to those white cabinets. The great thing about adding colour by accessorizing your kitchen is the ease with which it can be altered if you have tired of the latest trend colour… the blank canvass of a white kitchen will remain for the next
creative inspiration you may have. Kitchen renovations are an expensive endeavour, while revamping some accessories can prove to be far more palatable on your budget.
Today the movement is towards a streamlined look that highlights simplicity, functionality and style. Though the white-on-white kitchen has essentially been retired, white cabinetry has not and will always be a favourable, sought-after mainstay option in kitchen design. Instead of dreaming of an “all white kitchen” think about shaking it up a bit with the selective addition of colour, statement lighting or maybe a great wallpaper or fabric for a window treatment. When looking for inspiration for your kitchen renovation, look to see how you can introduce a mix of colours, textures and finishes to your “white kitchen” that will create for you a space that can keep you moving forward trend-wise while still giving you the white kitchen you desire.
Linda Mazur is an award-winning, nationally publicized designer and Principal of Linda Mazur Design Group. With almost two decades of experience this in demand multi-disciplinary design firm is known for creating relaxed, stylish spaces and full-scale design builds within Toronto, the GTA and throughout Canada. lindamazurdesign.com @LindaMazurGroup
FIRESIDE
elegance
THE BEAUTY AND BENEFITS OF A FIREPLACE
When designing a new floorplan or model home, one element consistently brings comfort, character and timeless appeal: The fireplace. Beyond providing warmth, fireplaces create a focal point that adds both elegance and coziness to any room.
MORE THAN JUST THE LIVING ROOM
Traditionally, fireplaces are found in the family room or living room. But today’s home layouts are more adventurous. Imagine the glow of a fireplace while sharing a meal in the dining room, prepping food in the kitchen or simply unwinding in your bedroom. Each space feels
by MARIAM ABOUTAAM
instantly elevated with the addition of this feature.
Modern homeowners have a wealth of fireplace options. Electric fireplaces, with independent switches for heat and light, make it easy to set the perfect mood in any season. Natural gas models offer a broad range of looks – from classic to contemporary – depending on the mantle and surround you choose.
SHOWCASING AWARDWINNING DESIGNS
At our award-winning model townhome, recently recognized as Best Model Home 2025 at the Ontario Home Builder’s Associations’
Awards of Distinction, we included two fireplaces that demonstrate the versatility of this feature.
In the second floor living room, a traditional plaster mantle frames an elegant electric fireplace, anchoring the high ceilings and refined moldings. The ground level family room has a sleek, raised linear fireplace that is beautifully integrated into a custom media cabinet, offering both warmth and a modern visual statement.
Another example implemented at The Haven virtual model at Angus Glen South Village highlights a stunning two-sided fireplace, visible from the combined kitchen/
A living room fireplace is an invitation to relax
breakfast area and the family room, bringing ambience and connection to multiple spaces simultaneously.
SAFETY AND SMART DESIGN
Families with young children often ask about safety. Many suppliers now offer cool-touch glass, making fireplaces safe to enjoy without worry. There are also features that allow televisions or artwork to be displayed above.
EVERYDAY LUXURY
There’s nothing quite like a flickering fireplace offering warmth on frosty mornings, brightening family gatherings and enjoying a relaxed ambience at the end of the day. Whether classic or contemporary, a fireplace can be both a source of heat and an investment in everyday comfort and timeless beauty.
COMING UP NEXT… UTILITY SPACES
In my next column, we’ll step into the less glamorous rooms of the home sharing ideas that make laundry and mudrooms surprisingly delightful.
An award-winning in-house designer, Mariam Aboutaam is Director, Sales and Marketing, Interior Design at Kylemore, Markham, Ont., a builder known for masterplanned communities and luxury homes. kylemoreliving.com.
A two-sided fireplace doubles the appeal
A fireplace exudes warmth in a dining room
FIND YOUR NEXT HOME
AJAX
1. Time Rossland Road marshallhomes.ca
AURORA
2. Queen’s Grove Collection Yonge St. & Bloomington Rd. northstarhomes.com
3. Allegro 36 Klees Cres. geranium.com
4. Shinning Hill 24 St John’s Sideroad countrywide.ca
