Ontario Active Life - October 21, 2023

Ontario Edition Oct. 21–Nov. 18, 2023

travel & leisure | home & garden | technology & finance | beauty & wellness

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HOW TO FIND THE RIGHT MORTGAGE WHEN RATES ARE HIGH

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RIVERBANK ESTATES NITH RIVER, PARIS

a GRAND RIVER

NITH RIVER

DOWNTOWN LIONS PARK

PREMIUM RAVINE LOTS & URBAN TOWNS IN PARIS

MODERN FARMHOUSE TOWNHOMES IN BEAMSVILLE

Life on the Riverbank is timelessly and elegant.

Wrapped by the woods and the Nith River, this extraordinary setting will be home to a collection of detached homes on 46’-50’ lots, urban townhomes, and a rare and very desirable offering of Losani Premium statement homes.

Nestled within Vista Ridge in Beamsville, Ontario, Benchmark stands as a testament to modern farmhouse living at its finest. This community not only captures the essence of rural charm but also offers a host of key features that make it a truly unique and coveted place to call home.

RIVERBANKESTATES.COM

LOSANIHOMES.COM/COMMUNITIES

LIVE. LIFE. BETTER

CUSTOM PREMIUM HOMES IN THE HEART OF WINE COUNTRY

FARMHOUSE & STACKED TOWNS IN STONEY CREEK

The court lots at Woodview offer spacious, private settings that are perfect for custom homes. These lots are complimented by 46’ and 50’ lots. The result is a community that combines the exclusivity of court living with the beauty of a natural backdrop.

SweetBerry a new community located in Lower Stoney Creek at Barton and Glover, minutes from the QEW. This vibrant community offers escarpment views from its modern farmhouse and stacked townhomes, providing a variety of housing options for families and individuals.

LOSANIHOMES.COM/COMMUNITIES

SWEETBERRYTOWNS.CA

VISIT US ONLINE AT

LOSANIHOMES.COM

OCT. 21–NOV. 18, 2023

CONTENTS COVER STORY

18

Losani Homes EXCEPTIONAL COMMUNITIES IN CAPTIVATING SETTINGS

DEPARTMENTS

8

Editor’s Note

10

Contributors

12

In the Spotlight

A good start

Personal Finance

38

22

In the Garden

50 Industry Report

How to find the right mortgage when interest rates are high Perennials – some you cut, some you leave standing

GTA resale prices rise despite rate challenges; more news on pages 13 and 14

26 Western View

Active Life Online

27

Real Estate Pro

40 Maps and Amenity Charts

32

Legally Speaking

15

Catch up between issues at nexthome.ca

for 400-plus Adult Lifestyle Communities

COLUMNS

16

6

21

Active Life |

Simply Tech

Memory Station helps preserve treasured photos

Oct. 21–Nov. 18, 2023

Celebrating members and cherishing membership

34 Decor

Creative ways to decorate with wood

36 Big Style

6 design tips to turn your small bathroom into a lux spa experience

Inspiring home products and decor trends for the fall Avoid renovation headaches by procuring all necessary permits

FEATURES

24 In Conversation With…

Cynthia Grassing, vice-president of sales and marketing, Pratt Homes

Govenments play a major role in new homes bottleneck How to choose a real estate agent

Home Finds

28

Dunpar Homes

Lambton Towns offer urban luxury lowrise living at attractive mortgage rate

30 Pratt Homes

Move-in ready and preconstruction condos in Barrie

WELCOME TO

AT H U N T E R S P O I N T E

final

RELEASE

S I N G L E S TOW N S C A N A L & R I V E R S I D E LOT S AVA I L A B L E

Last chance to own in this prestigious, award winning community!

Register Today at

LucchettaHomes.com/watercrest Renderings are artist’s concepts are subject to change and may vary slightly from the final product. E.&O.E.

EDITOR’S NOTE

A GOOD START

WAYNE KARL EDITOR-IN-CHIEF Active Life Magazine

EMAIL: wayne.karl@nexthome.ca TWITTER: @WayneKarl

+ get social 8

Active Life |

Oct. 21–Nov. 18, 2023

There’s no secret that the federal, provincial and even their municipal government counterparts throughout Ontario now have housing as a permanent high level agenda item, as they all try to find ways to address supply and affordability.

Trusting that Prime Minister Justin Trudeau, when he recently met with his cabinet in Charlottetown, PEI to discuss possible measures, we then counted on the Bank of Canada to hold its target for the overnight rate at its latest announcement on Sept. 6. Thankfully, it did, keeping the influential rate at five per cent – a symbol of hope for prospective homebuyers, if not an actual financial incentive for some to take action sooner than later. (We now await the next BoC rate announcement Oct. 25.)

Sure enough, on Sept. 14 Trudeau announced Ottawa would remove the GST from new rental construction, including apartment buildings, student housing and seniors’ residences. This would apply to projects that begin construction on or after Sept. 14, 2023, and on or before Dec. 31, 2030, and are completed by Dec. 31, 2035. He also urged the provinces to similarly remove sales taxes from new rental construction – which Ontario has already said it would “as soon as possible.”

“The stark and deeply troubling fact is that we are in a housing crisis and face an acute shortage of supply, so it is critical that government leaders come up with steps to spur construction of more housing and purposebuilt rentals,” says Richard Lyall, president of the Residential Construction Council of Ontario (RESCON). “We need millions more units and must pull out all the stops to make that happen. The moves proposed (on Sept. 14) are a good start.”

RESCON is also advocating for tax incentive programs that eliminate the collection of taxes on profits emanating from residential construction projects where the funds are reinvested into advancing similar projects.

Similar programs resulted in tens of thousands of housing units in the 1960s and 1970s.

These initiatives are a good start, yes, with more to come from all levels of government.

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They laughed when I picked up the violin, but...

I listen to GREATER TORONTO AREA

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CONTRIBUTORS PERSONAL FINANCE | JESSE ABRAMS Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm based in Toronto. thinkhomewise.com

SENIOR VICE-PRESIDENT, SALES, NEXTHOME

Hope McLarnon 416.708.7987, hope.mclarnon@nexthome.ca DIRECTOR OF SALES, ONTARIO, NEXTHOME

WESTERN VIEW | MIKE COLLINS-WILLIAMS Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

Natalie Chin 416.881.4288, natalie.chin@nexthome.ca SENIOR MEDIA CONSULTANT

Nina Downs 1-888-532-2579, nina.downs@nexthome.ca EDITORIAL DIRECTOR

Amanda Pereira EDITOR-IN-CHIEF – GREATER TORONTO AREA

Wayne Karl, wayne.karl@nexthome.ca

GARDENING | BEN AND MARK CULLEN Mark Cullen is a Member of the Order of Canada, and provides gardening advice to more than two million Canadians each week.

Ben Cullen’s specialty is food gardening. markcullen.com; Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

CONTRIBUTORS

Jesse Abrams, Mike Collins-Williams, Ben and Mark Cullen, Greg Gazin, Barbara Lawlor, Linda Mazur, Lisa Rogers, Jayson Schwarz, Dave Wilkes EXECUTIVE MEDIA CONSULTANTS

Jacky Hill, Michael Rosset

TECH | GREG GAZIN Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

VICE-PRESIDENT, MARKETING – GTA

Leanne Speers

MANAGER, CLIENT RELATIONS

Sonia Presotto

MANAGER CUSTOMER SALES/SERVICE

Marilyn Watling

SALES & MARKETING CO-ORDINATOR

Gary Chilvers

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

BUSINESS DEVELOPMENT MANAGER

Josh Rosset DISTRIBUTION

distributionteam@nexthome.ca ACCOUNTING INQUIRIES

accountingteam@nexthome.ca DIRECTOR OF PRINT MEDIA

Lauren Reid–Sachs

VICE-PRESIDENT, PRODUCTION – GTA

DECOR | LINDA MAZUR

Lisa Kelly

Linda Mazur is an award-winning 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 throughout the GTA and Canada. lindamazurdesign.com @LindaMazurGroup

Yvonne Poon

PRODUCTION MANAGER – GTA GRAPHIC DESIGNER & ASSISTANT MANAGER

Alicesa Pullan

GRAPHIC DESIGNER & PRE-PRESS COORDINATOR

Hannah Yarkony GRAPHIC DESIGNER

BIG STYLE, SMALL SPACES | LISA ROGERS Lisa Rogers is Executive Vice-President of Design for Dunpar Homes. Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and The Shopping Channel. Lisa is also a regular guest expert on CityTV’s Cityline. dunparhomes.com.

LEGALLY SPEAKING | JASON SCHWARZ Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

INDUSTRY REPORT | DAVE WILKES 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.

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Active Life |

Oct. 21–Nov. 18, 2023

Mike Terentiev

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IN THE SPOTLIGHT

GTA RESALE PRICES RISE DESPITE IMPACT OF INTEREST RATES Average selling prices in the GTA were up year-over-year in September, despite that the impact of high borrowing costs, high inflation, uncertainty surrounding future Bank of Canada decisions and slower economic growth continued to weigh on sales.

“The short and medium-term outlooks for the GTA housing market are very different,” says Paul Baron, president of the Toronto Regional Real Estate Board (TRRB). “In the short term, the consensus view is that borrowing costs will remain elevated until mid-2024, after which they will start to trend lower. This suggests that we should start to see a marked uptick in demand for ownership housing in the second half of next year, as lower rates and record population growth spur an increase in buyers.”

Realtors reported 4,642 home sales through TRREB’s MLS system in September 2023 – down 7.1 per cent from September 2022. The year-over-year dip in sales was more pronounced for ground-oriented homes, particularly semi-detached homes and townhouses.

New listings were up strongly on a year-over-year basis from the extremely low level in September

2022. The number of listings also trended upward on a month-overmonth seasonally adjusted basis.

The MLS Home Price Index (HPI) Composite benchmark was up by 2.4 per cent year-over-year. The average selling price was up by three per cent over the same time period. On a month-over-month seasonally-adjusted basis, both the average selling price and the MLS HPI Composite benchmark edged lower by less than one per cent.

“GTA home selling prices remain above the trough experienced early in the first quarter of 2023,” says TRREB Chief Market Analyst Jason Mercer. “However, we did experience more balanced market in the summer and early fall, with listings increasing noticeably relative to sales. This suggests that some buyers may benefit from more negotiating power, at least in the short term. This

could help offset the impact of high borrowing costs.”

“TRREB’s annual consumer polling has shown that half of intending home buyers in Toronto will be firsttime buyers in any given year,” adds TRREB CEO John DiMichele. “The average price of a condo apartment in Toronto is over $700,000. Yet, the first-time buyer exemption threshold for the City’s upfront land transfer tax has remained at $400,000 for a decade-and-a-half.

With this in mind, TRREB applauds Toronto City Council for asking City staff to provide a report on a more appropriate exemption level moving forward.

He further stresses that “many housing and taxation policies are currently set in opposition, and we need all levels of government to align policies and work together to solve this housing crisis.”

GTA RESALE AVERAGE PRICES, SEPTEMBER 2023 (YR/YR %) 416

905

Total

Detached

$1.72M (8.5)

$1.34M (2.5)

$1.44M (5.2)

Semi-detached

$1.28M (5.9)

$969,855 (2.2)

$1.09M (4.9)

Townhome

$992,319 (5.1)

$925,925 (4.1)

$941,695 (4.5)

Condo

$732,106 (-4.9)

$660,491 (0.8)

$707,065 3.3) SOURCE: TRREB

12

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Oct. 21–Nov. 18, 2023

IN THE SPOTLIGHT

LUXURY MARKET IN TORONTO REMAINS HEALTHY AMID GENERAL MARKET CHALLENGES: REMAX The luxury market in Toronto remains a bright spot among headwinds that challenge the condominium market across Canada, according to the ReMax 2023 National Condominium Report.

Recent economic indicators suggest that any further interest rate hikes in the near term could dampen a short-lived bounce in condominium activity in major markets across the country, the report says.

After four consecutive months of sales surpassing year-ago levels, renewed concerns over higher interest rates could slow homebuying activity in the GTA condo market in the coming months.

Overall sales of condominium units and townhomes in the GTA yearto-date (January to August) are off last year’s pace by 12.8 per cent at 18,263, compared to the 20,948 units sold during the same period in 2022.

The average price of condominium apartments and townhomes combined has softened as well, with values hovering at slightly less than $750,000, down six per cent from year-ago levels.

Affordability continues to be a factor in the market, with high interest rates and the government stress test acting as roadblocks to homeownership, ReMax says, as fewer first-time buyers can qualify for a mortgage, despite lower overall condominium values. Those who are committed to buying, including first-time buyers, investors and downsizers, are willing to travel further afield to realize value, as evidenced by the uptick in condo sales in the 905 where buyers realize more bang for the buck and are not subject to the municipal land transfer tax applied in the 416 area.

According to the Toronto Regional Real Estate Board’s (TRREB) MarketWatch, 70 per cent of yearto-date condo sales were between $500,000 and $799,999, while 65 per

cent of condo townhomes moved between $600,000 and $899,999.

The top end of the condominium market has remained relatively strong, with sales over the $2 million price point climbing 5.7 per cent, up from 173 units between January and August 2022 to 183 during the same period in 2023. Slightly lower values were one factor contributing to the increase in homebuying activity at luxury price points. The average price of sales of more than $2 million was $2.92 million, compared to $2.96 million during the same period in the previous year. The uber-luxe segment of more than $5 million also experienced a bump, with 11 properties moving in 2023, compared to nine in 2022.

Despite the softer sales and average pricing, GTA condominiums were able to grow their market share by almost a percentage point year-overyear, rising from 36.3 per cent to 37.2 per cent of all TRREB sales. The townhouse segment maintained 7.8 per cent of the market in both 2022 and 2023.

With the posted interest rates for a five-year, fixed-rate mortgage hovering at close to six per cent at each of Canada’s five major banks

and possible increases expected, a one-per-cent downward adjustment to the stress test would go a long way in helping younger buyers gain a foothold in today’s market, ReMax says.

“It’s really a mixed bag of results in markets across the country when it comes to condominiums this year,” says Christopher Alexander, president of ReMax Canada. “While there was some momentum in the market early in September that dovetailed with the Bank of Canada’s announcement to pause interest rate hikes, the most recent inflation numbers extinguished the flame. Lifecyle sales will continue to contribute to steady activity, but a comeback similar to that of the second quarter is likely out of the question.

“The cost of living is out of control in larger centres and even the most affordable housing now carries a pretty substantial sticker price,” adds Alexander. “Earnings have not kept pace with housing costs and inflation continues to stretch household budgets thin. Taxation is also an issue, with the City of Toronto gearing up to introduce an even more punitive Municipal Land Transfer Tax in January of 2024.” nexthome.ca 13

IN THE SPOTLIGHT

OHBA NAMES WINNERS OF 2023 AWARDS OF DISTINCTION The Ontario Home Builders’ Association (OHBA) has announced the winners of the 2023 OHBA Awards of Distinction (AoD). 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 architectural design, renovation, room design, image and advertising, on-site sales presentation and the coveted prestige awards.

2023 OHBA AWARDS OF DISTINCTION - TOP HONOURS

The coveted Ontario Builder of the Year was divided into two honours, representing both small and largevolume builders across the province.

The 2023 Ontario Builder of the Year – Small Volume honour was presented to Dietrich Homes. Based in Peterborough, Dietrich Homes is dedicated to quality, innovation and community engagement.

Currently constructing Net Zero and Net Zero Ready homes in its Trails of Lily Lake community, Dietrich is committed to embracing green initiatives to enhance the lives of Ontario homebuyers.

Project of the Year, High- or Midrise, National Homes

The 2023 Ontario Builder of the Year – Large Volume honour was presented to The Daniels Corporation. As a full-service developer, The Daniels Corporation has built more than 39,0000 homes spanning 39 years in business. Based in Toronto, Daniels has built its reputation for being a fully inclusive, vertically integrated community builder/developer by creating lasting, vibrant and healthy communities.

2023 PRESTIGE AWARD WINNERS ALSO INCLUDE:

Project of the Year – Lowrise: Branthaven Homes, West&Post, Oakville

OHBA People’s Choice Award, Amexon Development Corp.

14

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Oct. 21–Nov. 18, 2023

Project of the Year – High- or Midrise: National Homes, Northshore, Burlington (ADhoc Studio, esQape design inc., Kirkor Architects & Planners, McOuat Partnership) People’s Choice: Amexon Development Corp., The Residences at Central Park, Toronto (credit to: Core Architects Inc., II By IV Design) For the full list of winners, visit ohbaaod.ca.

ARCHITECTURAL DESIGN

Midrise Building (4-10 Storeys) Pratt Homes, Elements Condominiums, Barrie Highrise Building (11-plus Storeys) Minto Communities, North Oak Tower 3, Oakville (credit to: Figure3, NAK Design Strategies Inc., Quadrangle) High- or Midrise Condo Suite (Up to 800 Sq. Ft.) Brixen Developments Inc., Exhale Residences, Mississauga (credit to: 52 Pick-up Inc., Architecture Unfolded) High- or Midrise Green Building (4-plus Storeys) Tridel and Hines, Aquabella Bayside, Toronto

ONLINE

Catch up between issues at nexthome.ca and enjoy these popular stories

BUILDER PROFILE NEW COMMUNITY

Serenity Bay your active escape by the lake

Harbourtown Village – Silvergate Homes’ newest Fort Erie community an opportunity to own on picturesque shores

What would it be like to live in the lush landscape of Severn, with your own private boardwalk to a beach club on the shores of Lake Couchiching? To escape into nature any time of year, at any moment, to rediscover all the hidden wonders of this beautiful part of the country? Welcome to Serenity Bay, a new collection of wide townhomes and 50- and 60-ft. homes in Severn, by LIV Communities.

The Niagara Region is one of the hottest destinations for newhome buyers, and one of Niagara’s most highly anticipated communities – Harbourtown Village – has officially launched and is now selling.

HOME SECURITY

TP-Link Tapo C420S2 wire-free security camera system offers a little peace of mind Security cameras are a must-have these days, but many people don’t bother, due to complicated setups and placement. TPLink is trying to change all of that with a new wire-free smart security camera lineup.

GARDENING

Tips to help you make the most of harvest time

DESINATIONS ONTARIO

It’s harvest time for gardeners, and the most proactive among us are picking up the pickling jar and getting to work. The harvest is coming in fast and furious.

Properties near water have always been in high demand, not just for the lakeside views and waterfront access, but also because this demand usually translates to strong value appreciation. For buyers in the GTA and elsewhere in southwestern Ontario, there are a number of waterfront developments that are opportunities for year-round lakeside living.

Visit nexthome.ca Or check us out on

Lakeside living – not just for cottages anymore?

@ActiveLife_ON

@ActiveLifeOntario

@activelifemagazine nexthome.ca 15

ADVICE | SIMPLY TECH

MEMORY STATION

BY VIVID-PIX EASILY HELPS PRESERVE TREASURED PHOTOS

GREG GAZIN Many of us have thousands of photos we’re unable to reminisce over or share with loved ones, as they’re stashed away in attics and shoeboxes, many of them accumulating dust, others fading over time from improper storage. Others have lost these treasures due to fire or flood.

We’ve resisted digitizing them as the process was too cumbersome, timeconsuming and expensive. Memory Station by Vivid-Pix changes all that.

Memory Station is an impressive allin-one solution currently consisting of a Ricoh SV600 overhead scanner and Restore by Vivid-Pix a proprietary patented AI-enhanced restoration software. Together, they quickly and easily allow anyone with a PC or Mac 16

Active Life |

Oct. 21–Nov. 18, 2023

to scan, restore, store and share their valued treasures. The scanner comes with SnapScan Home Software for PC or Mac as well as Kofax Power PDF to create perfects PDF documents.

The beauty of an overhead scanner means the surface of, for example, a treasured photo or artwork is never touched by the device. You’re also not limited to the physicality of a document feeder or the small glass surface of a typical flatbed scanner.

The scanning surface is a supplied notched soft black pad with size markings signifying the scanning area of an A3 document, effectively of 17-by-11.8 in. (432 by 300 mm).

Items such as a book 1.18 in. or 30 mm thick, or memorabilia, trinkets and artifacts possibly up to three in.

(76 mm) can also be scanned.

So, without the worry of damage, you can and scan in about three seconds, precious photographs, drawings, artwork, documents and

even receipts whether they are in colour, black and white or greyscale.

The scanning process is well thought out. With the larger surface, you can easily at one time capture up 10 individual images of different shapes and sizes. With multi-item detection, it identifies each one so they can easily be named and separated and stored into individual files. For repeated scans, selecting Timed Mode triggers the scanner at preset intervals thus eliminating the need to hit the scan button each time.

EFFECTIVELY SCANS BOOKS AND MAGAZINE

For albums, magazines or books, whether you’re interested in the images, text or multiple pages, you no longer have to rip apart the binding or inadvertently split the seams or tear out pages. Page-Turning Detection automatically begins to scan as you turn the page again allowing your

hands to stay free to hold open the book. And if your finger or thumbs happen to get in the way, the PointCorrection feature allows you to erase those unwanted appendages from the image.

If you’re concerned about distorted text or skewed images from your book not being flat enough the scanning surface, ScanSnap’s advanced Book Image Correction will fix that. It attempts to minimize the unevenness of the image and automatically tries to smoothen it. If necessary, you can subsequently fine tune the scanned images after the fact.

This feature might take little getting used to, but once you’ve mastered it, it makes book scanning a breeze.

Other features include automatic colour and size detection, automatic rotation, de-skew and blank page removal. Once you’ve passed the initial set-up, you’re all set to go, simply hit the blue button on the scanner.

RESTORE BRINGS OLD FADED IMAGES BACK TO LIFE

What really makes the Memory Station shine, is Vivid-Pix Restore Software. You can easily take your scanned images, enhance them and simply bring them back to life.

The software is intuitive and does not require a steep learning curve to master.

After launching simply select from the dropdown menu what best describes your file: A faded or badly faded image or document or perhaps a cellphone image.

Restore’s proprietary algorithm immediately generates nine possible enhanced images as your starting point. Select what you think has the

best lighting and contrast. You’ll immediately see a series of controls and a Before and After window.

Choose the colour type: Colour, black and white or Sepia (brownish reddish tone popular in the early 1900s.) Then select Tilt or Rotate, if necessary. Lightness, Contrast and Sharpness controls appear on the left and colour controls appear on the right. As you adjust them you will see the “After” photo change in real time.

Once you’ve found the right balance and you’re happy with your enhanced photo or more readable document, save and you’re done.

for retirement homes, libraries and genealogical societies.

Bundle prices start at $769 directly from vivid-pix.com. Commercial software licenses and other configurations are also available.

To help you almost perfect scans, you can optionally add a Memory Station Image Stabilizer (US$149).

It’s a 16-by-20-in. museum quality non-glare acrylic sheet that sits atop your background pad to holding multiple photos and documents flat and in place and virtually eliminates reflections.

COMING SOON

IT’S REALLY THAT EASY.

If you have other similar photos, you can save your settings as custom and use them again saving you even more time. Restore supports more than a half-dozen file formats and various file size options. Techies, you can also view or edit metadata to add searchable tags.

Your saved treasures can be simply stored on your computer, uploaded to a cloud service or shared with family and friends. Audio can also be annotated for even better storytelling with partnering services like Fileshadow and Artifcts.

Vivid-Pix offers a series of free resources to help guide you along.

Memory Station’s user experience promises to get even better. Restore will be incorporated into a new soon-to-be-released Memory Station software. It rids the need for multiple steps and yields even better image quality by importing images directly from the scanner. It’s designed for a smoother workflow giving users the ability to scan, restore, record and share easier from within the application and offers better integration with third party services.

Vivid-Pix will be releasing both consumer and commercial versions of Memory Station.

For more information, visit vivid-pix.com.

IDEAL FOR EVERYONE

The Memory Station by Vivid-Pix is ideal for anyone wants to easily preserve the memories of the past and ensure them for future generations without worrying about the technology. It’s cost effective and would fit in well families and individuals built also for storytellers, photographers but also

Greg Gazin is a syndicated tech columnist, blogger, podcaster, and contributes to canoe.com, Troy Media and Active Life magazine. gadgetguy.ca

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COVER STORY

CAPTIVATING SETTINGS

EXCEPTIONAL COMMUNITIES BY LOSANI HOMES Imagine waking up to the soothing sounds of a river or stepping outside your home to enjoy sprawling trails through nature. Picture yourself living in a community that’s not just a place to reside but an experience, surrounded by the wonders of the great outdoors. This dream can be your reality in the exceptional communities crafted by Losani Homes.

Let’s take a journey through four remarkable settings, each offering a unique blend of natural beauty and modern living.

RIVERBANK ESTATES, PARIS, ONT. WHERE RIVERSIDE LUXURY MEETS TRANQUIL TRAILS

In the heart of Paris, Ont. lies a haven of luxury and nature entwined. Riverbank Estates, a flagship community by Losani Homes, is a testament to refined living.

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It features premium detached singles with ravine lots in sizes ranging from 40 to 50 ft., along with custom home options. Nestled along the banks of the Nith River, this community offers an idyllic retreat for those seeking a serene lifestyle.

One of the standout features of Riverbank Estates is its proximity to nature. Residents here are surrounded by several kilometers of pristine trails, ideal for leisurely strolls or invigorating hikes. These trails meander through the enchanting

woodlands of Paris, allowing you to connect with the natural world at your doorstep.

But that’s not all – Riverbank Estates is also about convenience.

Within a 10-minute walk, you’ll find yourself at Lions Park, a recreational paradise for families. Just a stone’s throw away is the charming downtown Paris, nestled along the Grand River. Here, cobblestone streets lead to century-old homes, stylish shops, and fine restaurants, creating a unique blend of old-world charm and modern amenities.

WOODVIEW, BEAMSVILLE, ONT. WHERE CUSTOM HOMES MEET NATURAL SPLENDOUR

Venture a bit further to the charming town of Beamsville, and you’ll discover Woodview, a community of premium custom homes nestled in the Vista Ridge site. Here, the setting is all about natural splendour and the tranquility of ravine-backed lots.

The court lots at Woodview offer spacious, private settings that are perfect for custom homes. These custom court lots are introduced by a limited selection of 46- and 50-ft. lots at the court entry. The result is a community that combines the exclusivity of court living with the beauty of a natural backdrop.

Vista Ridge, where Woodview is located, is strategically situated in Beamsville, offering easy access to local amenities and wineries.

Beamsville, known for its scenic vineyards and agricultural charm,

provides a unique living experience.

Residents of Woodview can explore the area’s wineries, enjoy fresh produce from local farms, and take in the breathtaking views of the Niagara Escarpment.

Living in Woodview means waking up to the sights and sounds of nature.

The ravine-backed lots create a serene atmosphere, allowing you to enjoy the beauty of the outdoors from the comfort of your own home.

Imagine sipping your morning coffee on your deck, overlooking the lush greenery that surrounds you.

Custom homes at Woodview are designed to reflect your unique tastes

and preferences. From architectural elements to interior finishes, every detail reflects your vision. It’s an opportunity to create a home that not only meets your needs but also celebrates your individuality.

BENCHMARK, BEAMSVILLE, ONT. MODERN FARMHOUSE TOWNHOMES IN VISTA RIDGE

Benchmark, which is also located in Vista Ridge, offers a different style of living within this picturesque community. Here, modern farmhouse townhomes take center stage, combining the charm of rural living with contemporary design.

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Benchmark is ideally situated in Beamsville, providing easy access to local amenities and wineries, just like its neighbour, Woodview.

This community offers a fresh take on townhome living, with a focus on modern farmhouse aesthetics that blend seamlessly with the surrounding natural beauty.

The homes at Benchmark are thoughtfully designed to provide the perfect balance between style and functionality. Open-concept layouts, high-quality finishes, and innovative features create spaces that are not only beautiful but also highly livable.

Living in Benchmark means enjoying the best of both worlds – the convenience of modern townhome living and the tranquility of a rural setting. It’s a place where you can relax on your front porch, take leisurely walks through the neighborhood, and connect with neighbors who share your appreciation for this unique way of life.

SWEETBERRY, STONEY CREEK, ONT. MODERN FARMHOUSE LIVING IN LOWER STONEY CREEK

Last but certainly not least, we take you to SweetBerry, a community located in Lower Stoney Creek, Hamilton. This vibrant community offers modern farmhouse towns and stacked townhomes, providing a variety of housing options for families and individuals.

SweetBerry’s location is a major draw for those seeking convenience.

Situated near the QEW, it offers easy access to transportation, making

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it an ideal choice for commuters.

Additionally, the community is surrounded by numerous local amenities, ensuring that everything you need is just a short drive away.

The modern farmhouse design of the homes in SweetBerry adds a touch of rustic charm to your everyday living. These homes are designed to be both stylish and functional, with spacious interiors and contemporary finishes. Whether you’re a young professional or a growing family, SweetBerry has a home that suits your lifestyle.

IN CONCLUSION

In conclusion, Losani Homes presents four exceptional communities, each with its unique setting and character. From the riverside luxury of Riverbank Estates in Paris, to the natural splendor

of Woodview and Benchmark in Beamsville, and the modern farmhouse living of SweetBerry in Stoney Creek, these communities offer a diverse range of choices for those seeking a blend of natural beauty and modern living.

Choosing to live in any of these communities means embracing a lifestyle that celebrates the beauty of the outdoors, whether it’s the tranquility of a river, the allure of vineyards or the convenience of urban amenities. Losani Homes’ commitment to quality and craftsmanship ensures that each home reflects your desires and aspirations.

Make your dream of living in an exceptional setting a reality with Losani Homes. Start by visiting losanihomes.com.

ADVICE | PERSONAL FINANCE

HOW TO FIND THE RIGHT MORTGAGE WHEN INTEREST

RATES ARE HIGH

JESSE ABRAMS

Buying a home is no doubt an exciting and memorable experience.

However, it also comes with a ton of emotion and key decision-making, including finding the right mortgage.

In this high inflation, high-interest rate environment we’re living in, it can feel like our financial decisions have more weight than usual. The good news is that there are a handful of key tips you can consider in your search to make an informed decision with confidence.

FIXED- VERSUS VARIABLERATE MORTGAGES

Choosing between a fixed- and a variable-rate mortgage is foundational. Fixed rates are often a popular choice as buyers benefit from a consistent interest rate and monthly mortgage payment during the mortgage term. For example, if you opt in for a five-year fixed-rate mortgage with an interest rate of 5.2 per cent, this rate and your monthly mortgage payment will remain the same for the entire term. This predictability is not only essential for your financial planning and budgeting, but it provides a level of stability that is extremely helpful in an environment where interest rates and cost of living are at an all-time high. Conversely, variable rate mortgages have interest rates that fluctuate based on market conditions. While your payments remain constant, the amount of interest paid can increase or decrease over time. It’s also important to note that variable rates carry smaller

penalties for early terminations. While many are concerned with variable right now, some may choose a variable rate mortgage in a higher rate environment, as they believe rates will come down (potentially substantially) during their term. So, they are willing to take the risk for the potential savings.

PREPAYMENT PRIVILEGES AND PENALTIES

When searching for a mortgage, the idea of paying it off early might not cross your mind. Yet, before making any decisions, it is worthwhile to consider the potential savings that could come from making extra monthly or yearly lump sum payments. However, the only catch is that your mortgage terms and conditions need to allow for these additional payments, otherwise known as prepayment privileges.

These privileges are outlined in your mortgage contract and specify the number of additional payments you can make, how often you can make them, and how much you’re allowed to pay off in advance without penalty.

Understanding these terms can help you determine if it makes financial sense to make additional payments.

After reviewing the prepayment privileges, familiarize yourself with potential penalties in your contract, especially if breaking your mortgage is a possibility. Different mortgage options and lenders have varied penalties, some costing as much as tens of thousands of dollars.

it is not the only factor to consider.

If you solely focus on rates when shopping for a mortgage, you might miss out on valuable features that could actually save you money over the long term. While a lower rate may save you a few hundred dollars, the length of your mortgage and prepayment privileges have the potential to save you thousands.

Pro-Tip: Even though a five-year fixed-rate mortgage might offer lower rates now compared to shorter terms, it could cost more in the long run if interest rates drop as expected.

EXPAND YOUR SEARCH AND SHOP AROUND

In addition to the big banks, credit unions and monoline lenders are gaining popularity due to their competitive products, lower rates and more lenient penalties. In this market, they also provide better chances of approval for borrowers.

Navigating the homebuying process in our current high-interest rate market might feel daunting, but with the right information, you can make sound decisions. From understanding mortgage types to shopping different lenders, being informed is your biggest asset. With knowledge and the right mortgage professionals by your side, you can find the right mortgage that supports your financial future.

Jesse Abrams is Co-Founder at Homewise, a mortgage advisory and brokerage firm. thinkhomewise.com

LOOK BEYOND THE INTEREST RATE

In a high interest rate environment, it can feel almost impossible to think of anything else. Although your mortgage rate is certainly important,

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ADVICE | IN THE GARDEN

PERENNIALS

SOME YOU CUT DOWN, SOME YOU LEAVE STANDING

MARK AND BEN CULLEN

head cut off and this one will stand for the winter.”

So here it is, a simple guide to “cut down or not:” LEAVE IT STANDING IF:

It’s that time of year when gardeners begin to question their gardening choices: What do I leave over the winter and what do I cut down now?

It seems to us that a guideline is needed; something to help you make intelligent garden decisions so you can say definitively, “this is getting its 22 Active Life |

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• It has matured seed heads as birds will forage on the seeds throughout the winter • It has a rigid stem that is unlikely to be blown over in the blustery winter winds (yes to rudbeckia, no to hosta) • It is an ornamental grass (such as Calamagrostis or Miscanthus)

CUT IT BACK NOW IF:

• The foliage is floppy, yellow or black, and looks unattractive in your fall garden – such as peonies, daylilies and hostas (throwing everything into the composter, of course) • You don’t like the look of it – remember, it’s your garden, so feel free to compost anything that you do not want to look at, poking through the snow, all winter • The seed heads have been ravaged by the birds and there are no seeds left (Echinacea, most likely)

In our gardens, we tend to follow these rules, but we also tend to make on-the-spot decisions based solely on the situation. Mark cut back all the Shasta Daisies (to about five cm).

Shastas tend to turn yellow or brown and get a bit slimy after the first few frosts. We find it easier to clean them up before it gets to this point.

Truth is, there is no harm in cutting herbaceous perennials back to the ground or leaving them standing. It’s a personal preference: We like some left upright for the winter to add a little interest to the otherwise dreary winter garden. Mounds of snow will form on top of the Echinacea seed heads and within the nooks and crannies of the tall grasses. Yes, eventually, if we get enough snow, many of the stalks will be buried within the white clutches of winter’s wrath. Until then, we’ll be glad to enjoy the contrast brought about by the remaining stems nestled within the snow.

Right now, you may not be thinking of this as “interesting” or “attractive,” but remember just how desperate

we Canadians become when winter has overstayed its welcome. Believe us, we are the people who escape from the indoors at the first sign of spring to hose down the driveway while there is still snow covering the gardens. And we’re likely wearing t-shirts for the occasion.

Regarding all those fall leaves: Rake them off your lawn and onto your garden, where earthworms will pull them down into the soil next spring and convert them into nitrogen rich earthworm castings. Oak leave break down slowly, so run your lawn mower over them, set at its highest setting, before raking them onto your garden.

Remember to fertilize your lawn this time of year also: The most important application of the year.

And if you’re not into fall clean up, that’s okay, too; for the most part, Mother Nature takes care of things and the big clean up, for you, will be in the spring. Just remember to take good care of garden equipment and tools by lubricating them and storing away carefully out of the winter elements.

Mark Cullen is a Member of the Order of Canada. He reaches more than two million Canadians with his gardening/ environment messages every week.

Receive his free monthly newsletter at markcullen.com Ben Cullen is a professional gardener with a keen interest in food gardening and the environment. You can follow both Mark and Ben on Twitter @MarkCullen4, Facebook @MarkCullenGardening and Pinterest @MarkCullenGardening.

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IN CONVERSATION WITH...

CYNTHIA GRASSING

VICE-PRESIDENT OF SALES AND MARKETING, PRATT HOMES

by WAYNE KARL

There aren’t many homebuilders in Canada that have been around for more than 130 years, let alone a family operation that has continued for six generations.

But Pratt Homes of Barrie is one such company, started in 1890 and still going strong today – not just building housing, but homes of all shapes and sizes, for homebuyers in various stages of the family life cycle.

We spoke with Cynthia Grassing, vice-president of sales and marketing, to get a sense of how Pratt has excelled over its history, to become “Barrie’s largest and most trusted builder.”

Let’s start with a general topic… how do you view the market these days?

The rise in interest rates has made qualifying for mortgage and owning a home a challenge for many. The recent pandemic created a housing market unlike anything we’ve ever 24

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seen before. There was uncertainty but also a shift in where people wanted to live, which resulted in a sellers’ market. This created inflated housing prices as people scrambled out of big cities and homeowners looked to make a profit. There was a “fear of missing out.”

The current state of the market is quite different. The past was a very intense sellers’ market, with high demand and limited supply, but now we have the reverse. Now we have a buyers’ market, with homes taking longer to sell than before.

There’s a new “fear of buying too high.” The combination of higher interest rates and higher prices results in the housing market we are currently experiencing.

On a positive note, mortgage rates have risen but they will come down.

Once inflation cools, mortgage rates will come down as a result. Today’s buyers have more time and less pressure to consider their options… and there are some good, affordable options to be found.

You recently launched Elements Condominiums in Barrie. How are things coming along there?

We launched Elements Condominiums in early spring of 2022, and it was well received. The demand for carefree condo living with a connection to natures elements resulted in a quick sell-out of our first building, Luna. This six-storey building is home to 96 units with a few select suites reserved for future models.

Larger suites at a lower price point

encouraged many from the GTA to consider a move to Barrie.

Construction of Luna is well underway, with homeowners expected to take possession at the end of 2024.

A combination of nature focused design features, architecturally designed suites for healthy living and a location that puts these units a short walk to Barrie’s South GO Station, encourage the continued sales of our newest release and the largest building, SOL. What is it about Elements that sets it apart from others in the area?

The design of this project began with a strategic approach to tap into and harness nature within the home environment. This alone has set the community apart from others.

The importance of being immersed

and connected with nature’s four elements – water, fire, earth and air – for overall well-being is the deepseated belief that has contributed to the unique aspects of this condominium project. The elements and features that will implement biophilic design will create a unique community for residents and visitors to enjoy. Foyers will include a mature live tree, water feature, fireplace, moss wall art and an upper gym overlooking the lobby, all surrounded by large windows. Some of the exterior features include outdoor waterfalls with social seating around gas fire pits, live Green roofs over the entryways, outdoor gym with fitness stations and a jogging track.

Once inside the condo suites, residents will enjoy a spacious, four-season solarium balcony enclosed in fully retractable glass, to be enjoyed year-round. Water filtration and air purification systems are bonus features that will support healthy living.

And what is it about Barrie that is drawing people these days? It’s quite a booming destination…

Barrie is a four-season destination and is part of one of Canada’s fastest growing cities, nestled between Toronto and Muskoka. Location

is the key as to why many more people are considering Barrie for their next home. It’s the gateway to cottage country and right next door to Wasaga Beach, and Collingwood, while being conveniently located 45 minutes from the GTA. Barrie provides the charm and community feel of a small town with the urban amenities of a city twice its size and caters to those who crave an active lifestyle.

Waterfront views, proximity to the GTA and GO transit are just a few of the added features that are drawing people these days.

Your tagline is “Barrie’s largest and most trusted builder”… Trust is everything these days… what makes Pratt the most trusted builder? What do you really excel at?

Pratt Homes has been building homes for more than a century in the Barrie and surrounding area. With a legacy of more than 130 years, the family is committed to building quality homes for every stage of the family life cycle; from young adulthood to retirement years. Our onsite design market, service lounge and in-house concierge service provide a trusted level of customer service throughout the entire homebuying journey and beyond.

Our legacy allows us to extend

cost savings to our purchasers in the forms of pricing, low deposit structures and low closing costs.

Pratt has been such an integrated part of the City of Barrie by making contributions in the form of various landmarks, such as the Maclaren Art Centre, Royal Victoria Hospital, 5-Points Theatre, art sculptures such as the Sea Serpent at the waterfront, to name a few – all made possible by the many homeowners who have trusted in Pratt Homes. By putting their trust in us, this means that they are also contributing to the vibrant community they call home for many years to come.

From what many of our homeowners tell us, Pratt Homes excels at making it easy to buy a new home, while understanding that it is the biggest purchase of a lifetime.

Our legacy continues…

What’s next for Pratt Homes?

We have an incredible future awaiting us, with lots of condos, freehold towns and detached – coming soon.

In the meantime, we have some brand new move-in ready condos for sale right by the Barrie South GO Station, and next door to Elements Condominiums, which showcases our latest ingenuity. pratthomes.ca

on a personal note How do you spend time away from the office?

I love going for walks with my dog Jack along the waterfront, catching up with friends over lunch or latte, losing myself in a good book, browsing through small boutiques with my daughter, laughing with my son, intimate dinners with my husband at fine restaurants… and having quality thinking time by myself – all blessings to me.

What’s on your reading list these days?

Three Sisters, by Heather Morris; Everyone’s a Theologian, by R.C Sproul; and Art of Home, by Shea McGee. I love books – anything historical, based on a powerful, true story or any interior design book with aweinspiring spaces.

And on your TV binge-watch list?

I’m not much for TV, however I have a few goodies on my watchlist: The Crimson Field, Grantchester, and HomeFires.

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ADVICE | WESTERN VIEW

CELEBRATING OUR MEMBERS AND CHERISHING OUR

MEMBERSHIP

MIKE COLLINS-WILLIAMS

The Ontario Home Builders’ Association (OHBA) recently held its annual conference and Awards of Distinction at Blue Mountain Resort in Collingwood. The OHBA annual awards program recognizes the creativity, innovation and excellence of builders, renovators, developers and service professionals within Ontario’s residential construction industry at large. There are multiple categories OHBA members can be recognized for, including architectural design, marketing and advertising, renovation, sales presentation, prestige awards and more.

The award winners came from various areas in Ontario, including Innisfil, Blue Mountain, Guelph, Fort Erie, Barrie, Ottawa, St. Catharines and the Greater Toronto and Hamilton Area. We were extremely pleased and proud to witness two of the West End Home Builders’ Association’s (WEHBA) builder members receiving some of the most coveted awards of the

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night. Congratulations to Branthaven Homes for receiving the Project of The Year – Lowrise Award, for its project West & Post, and to National Homes for receiving the Project of the Year – High- or Midrise Award, for Northshore. Branthaven Homes also received the Lowrise Sales Brochure Award for West & Post.

The Project of the Year awards are two of the most prestigious awards in the OHBA Awards program, and a great indication of the talent and quality of work the WEHBA builder members offer to consumers and to our industry. Branthaven Homes is a family-owned company, celebrating 50 years of homebuilding excellence.

It is committed to providing highquality, design-forward homes and have gained a reputation of an awardwinning trusted home builder across southern Ontario. The company’s award-winning project – West & Post – is a new traditional, custominspired townhome community, located at Westoak Trails and Postmaster Drive.

National Homes is part of a group of companies that traces its origins back to the establishment of Pantalone Realty in 1974. The company has grown into one of GTHA’s most successful and respected homebuilders, with more than 15,000 homes built.

The company’s winning project – Northshore – a two boutique midrise condominium overlooking the Burlington Golf & Country Club, is built to the highest level of construction, and embraces the natural beauty of its surroundings with plenty of balconies and terraces.

This major, province-wide industry recognition is a benefit and an opportunity that comes with the WEHBA membership. Once a business becomes a member of a

local home builders association (HBA), it automatically becomes a member of the Ontario Home Builders’ Association and the Canadian Home Builders’ Association. This threetiered membership opens the doors to bigger and better recognition (national and provincial awards programs), extensive networking opportunities, business growth on both provincial and national levels, as well as substantial professional development and educational resources. Membership matters and success stories are a great indicator of the importance of being a part of a professional community that supports and celebrates its members and their work.

The WEHBA membership offers businesses the opportunity to join an exclusive network of leading industry professionals who are committed to building successful partnerships, exchanging information and experiences, and supporting each other in business. Our members have access to a wide variety of educational material and can develop their skills, stay informed and manage their businesses successfully and profitably. The West End Homebuilders’ Association is currently running a membership deal, offering new members the rest of 2023 for free. Any business in the residential construction industry at large, interested in learning more about the WEHBA should contact info@ westendhba.ca or 289.208.1442.

Mike Collins-Williams, RPP, MCIP, is CEO West End Home Builders’ Association. westendhba.ca.

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ADVICE | REAL ESTATE PRO

GOVERNMENTS PLAY A MAJOR ROLE IN NEW HOMES BOTTLENECK

BARBARA LAWLOR No wonder the hottest topic on everyone’s mind today when it comes to new home real estate is the fact that our supply is greatly lagging demand. According to a 2021 Scotiabank study, Canada had fewer housing units per capita that year than any other G7 country. In 2022, Scotiabank also announced that Ontario, Manitoba and Alberta had the lowest number of homes per capita when compared with the other provinces. This got me to thinking about the role our municipal and provincial governments play when it comes to residential development.

Recently, our federal government announced removing GST on purpose-built rental housing, but how much will that help in the long run?

For many years, developers and our homebuilders’ associations have been urging the municipal governments across the GTA to reduce a lot of the red tape that lengthens the time periods – and money – it costs to develop new communities. COVID exacerbated the problem, but even before it arrived on the scene, it was difficult and time-consuming to wade through layers of government red tape. Minimum lot sizes, zoning regulations, Greenbelt land protection, giving into NIMBYism, approval after approval… this makes no sense, especially with

the Ontario Growth Plan calling for intensification. We need new homes and condominiums to be built faster, especially with the increased demand we are seeing from immigration.

And let’s talk rising prices. We have to understand that governments partially determine home prices, especially where development charges are concerned. These charges are the fees developers must pay when they want a building permit. The money goes to installing infrastructure needed when new developments go in, such as water and sewer, roads, fire and police.

These fees are set by our municipal governments under Ontario’s Development Charges Act. The cost eventually becomes part of the purchase price.

Last year in Toronto, City Council voted to raise development charges by 46 per cent, adding tens of thousands onto the price of building a new home. The increase is being phased in through May of next year.

Under this bylaw, development charges for singles and semis will rise to $137,040 as of May 1, 2024 – up from $12,366 in 2009. This is unfathomable, considering Toronto has $2.26 billion in development charge reserves, $1.89 billion of which is slated to be spent by 2025.

Municipalities in the GTA also have billions in development charges and other fees – yet only a limited amount is being spent on infrastructure. The cost of infrastructure should not be placed totally on the shoulders of developers and ultimately on homebuyers and renters, but on a broader tax base.

M6 by Rogers Real Estate and Urban Capital

And all of that is in addition to taxes, including the Land Transfer Tax – and Toronto is the only Ontario municipality that charges this tax.

Torontonians pay Land Transfer Tax twice, first to the province and then to the city. How is this fair in an increasingly challenging residential market?

Our federal government’s recent move to remove GST on purposebuilt rental housing is a positive step.

Let’s hope we see more government support coming soon.

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

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PROPERTY PROFILE

LAMBTON TOWNS OFFER URBAN LUXURY LOWRISE LIVING AT ATTRACTIVE MORTGAGE RATE

Today’s real estate market poses a lot of questions for those looking for a new home. Where do I want to live?

Where can I afford to live? And what style of home will I be able to find?

Do I want to live in a condominium or a house? And, where can I find a home that is close to the amenities that are important to me and my family? These are some of the key questions that purchasers ask themselves when looking for their new place to live.

What was $1 million 10 years ago, is now virtually commonplace in the city of Toronto today. Townhomes have become an integral part of a solution to the housing “missing middle,” creating new housing in desirable neighbourhoods that would otherwise be unreachable for many young couples and families. They 28 Active Life |

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are also a good option for those downsizing from a larger home seeking a more carefree lifestyle free from the never-ending maintenance of a larger home.

For those wishing to remain in the city, Lambton Towns could be the perfect solution, offering desirable lowrise living in a vibrant Toronto neighbourhood. Lambton Towns

by Dunpar Homes is an intimate collection of 96 back-to-back townhouses at 2650 St. Clair Ave. W., tucked between charming Bloor West Village and Lambton Woods.

The pedestrian-friendly location is close to everything homeowners could want or need, including stores, restaurants, amenities, parks and recreation - without having to rely on a car. For travelling elsewhere, the 512 St. Clair streetcar stop is

just a six-minute walk away, and subway and TTC buses and major roadways nearby.

Built with quality and durability, the exteriors are modeled on English Georgian Manors, utilizing genuine Custom Natural Indiana Limestone features and planter boxes crafted with ledger rock Kingston Hue Stone. The landscaping is designed to enhance the exterior design.

One of the important advantages of townhome living is that homeowners have their own front doors and each Lambton Town also has a spacious 336-sq.-ft. private rooftop terrace.

And each town has its own private parking space.

The interiors of the 1,581-sq.ft. homes are well laid out with three bedrooms and two baths that can accommodate family living,

entertaining or working from home.

Townhome living provides similar financial advantages to owning a single-detached home, at a more affordable price point. The towns are economical to operate too, because new towns are built to be energyefficient and their shared walls mean less heat loss.

Lambton Towns boast a host of luxury features often seen as upgrades in other developments, including 9.5-ft. ceilings on the main floor and nine-ft. on the master bedroom level. Other standard finishes including engineered hardwood floors in the living and dining room and second floor hallway

and deluxe kitchens with granite kitchen countertops and eight-in. granite backsplash, extended height upper cabinets and under-cabinet lighting. Six stainless steel appliances and one-car parking are also included in the purchase price. Maintenance fees of approximately $200 a month include landscaping, snow removal, salting, street lighting and private garbage collection, time consuming activities that leave more time to spend with family and friends.

It’s hard to beat the lifestyle offered in the neighbourhood with so much in proximity, including Home Smith Park, James Gardens, LambtonKingsway Park and many others, a

wide range of dining options, banks, grocery stores, pharmacies, big box stores, healthcare centres, community centres and excellent schools.

Dunpar Homes understands that rising interest rates have been a concern for many home buyers and is offering the Dunpar mortgage at an attractive 3.5 per cent for five years, or until mortgage rates drop below 3.5 per cent. To qualify, buyers must put down a 20 per cent deposit prior to occupancy.

Dunpar Homes has established a reputation as a premier builder specializing in luxury townhomes, thus has the expertise to create sought-after middle missing solutions in urban neighbourhoods. Dunpar has been building superbly designed and architecturally unique homes and communities across the GTA. It has demonstrated its ability to adapt to the evolving industry by offering homebuyers comprehensive tools to help them achieve their ownership goals.

For more information on Lambton Towns, visit dunparhomes.com.

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BUILDER PROFILE | BARRIE

MOVE-IN READY AND PRE-CONSTRUCTION CONDOS IN BARRIE

MORE ROOM FOR LESS

Barrie is rapidly becoming a favored residential hub. People are yearning for affordable and enriched lifestyles, and Pratt Homes, the largest new-home builder in Barrie, has been meeting this demand for more than a century with townhomes, detached and condominiums. Condos, often linked with urban life, are now extending their advantages to quieter settings such as Barrie, promising a balanced lifestyle without compromise.

Situated between Toronto’s bustle and Muskoka’s serenity, Barrie offers an ideal blend of opportunities.

Condos, priced notably lower than detached homes, are particularly enticing for first-time buyers and downsizers. Located in the southeast, two exceptional condo communities, Bistro 6 and Elements Condominiums, are redefining modern living and granting swift access to year-round recreation.

Found just steps from the south GO station, they’re quickly becoming the residential choice of many.

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Oct. 21–Nov. 18, 2023

Bistro 6 Condominiums draws inspiration from culinary culture and contemporary living. Its six midrise buildings coexist harmoniously with acres of protected land. Merely minutes from the GO station, Park Place Shopping Centre and downtown Barrie’s waterfront, Bistro 6 fosters connections through food and community. Innovative amenities such as a culinary community kitchen, outdoor kitchen, yoga retreat, basketball court and a gym, emphasize a wholesome lifestyle.

The layouts showcase spaciousness and practicality, with well-appointed kitchens at their core. While this project is sold out, the builder has retained a limited number of movein ready suites that remain for sale. These one-, two- and threebedroom units span from 740 to 1379 sq. ft., promising ample space for comfortable living.

Next door to Bistro 6, Elements Condominiums showcases Pratt Homes’ latest ingenuity. Embracing biophilic design, Elements integrates nature into residents’ living spaces.

With natural elements such as water, fire, earth and air, Elements promotes a stress-free, health-conscious lifestyle. The building’s foyers feature an indoor tree, a welcoming fireplace and tranquil waterfall, fostering a serene atmosphere.

Outdoor fire pits, art installations and a jogging track with fitness stations encourage residents to commune with nature and one another. Every suite at Elements boasts a spacious four-season solarium balcony, providing a year-round connection to the outdoors. With water and air purification systems, these homes ensure a clean and healthy living environment. Elements includes three midrise buildings: the Luna, which is sold out; Nova, a future release; and SOL, which is now selling. These suites, priced from the $500,000s, range from 770 to 1,300 sq. ft., merging value and luxury.

One of the core perks of condo living is freedom from property maintenance. The absence of snow shoveling, lawn care and exterior upkeep attracts those craving a

hassle-free lifestyle. Furthermore, underground parking removes the need to scrape ice from vehicles – a blessing during winters. For travellers, condo living grants the liberty to lock-and-go without fretting about home maintenance.

In essence, residing at Bistro 6 or Elements is a smart choice for those seeking a spacious and stress-free condo. These communities not only offer contemporary amenities, but also instill a sense of belonging within a unique and thriving neighborhood.

With more room available for a lower price, living in a Pratt Homes condo brings a life full of possibilities, all while enjoying what Barrie has to offer.

For more information, visit pratthomes.ca.

nexthome.ca 31

ADVICE | LEGALLY SPEAKING

HOW TO CHOOSE A REAL ESTATE AGENT JAYSON SCHWARZ, LLM

So, you have decided to sell your home. While there is no legal requirement that a real estate agent be involved in an agreement of purchase and sale – or in a real estate transaction, for that matter – most agreements and transactions involving the purchase and sale of real property do involve real estate agents.

How do you pick a realtor? Let’s see… Uncle Bob’s cousin’s sister’s aunt’s brother-in-law Bill, says that Sadie is a great agent and you should use her. That’s good enough for Bill and should be enough for you.

Wrong. When you want to pick your realtor, be careful, be challenging, be prudent, be investigative and be picky. Your realtor is one of the most important and expensive steps in selling your home. A good realtor can sell your home quickly and at the right price. A bad realtor can leave you sitting with your house going stale on the market, and frankly could even cause you damage if you bought somewhere else.

Firstly, interview a number of agents. Let them sell you first. If they can’t sell you, how can they sell your home to someone else? Ask for references and follow up with them.

Call people who they claim they did a great job for and speak to them.

Check with your lawyer (you have a lawyer of course… get the lawyer first) and ask the agents to tell you how many houses they have listed and how many sold in the last six months. Ask for a written proposal as to how they will proceed, where 32

Active Life |

Oct. 21–Nov. 18, 2023

and how often they will advertise, conduct open houses, handle signage – all of those kinds of things.

You want a plan, not a promise.

When you decide on a real estate agent, you will be asked to sign a listing agreement. This contract sets out the terms on which you are willing to sell your property.

Contrary to popular belief, the listing agreement is not a legal requirement that you accept any offer, even if it is on the same terms you said you wanted in the listing agreement.

The listing agreement contains how much you will pay your realtor and/or the selling agent as well as the terms. It is valid and binding. This is really important – be careful and negotiate the commission rate and the term. Use these items to enforce performance by the realtor.

Be aware of the fact that the term is deemed to be extended for 90 days in the case of a purchaser who was introduced to the property – or

to the vendor – during the original term by the agent. Therefore, the realtor would be entitled to the commission stated in the listing agreement in the event of a sale to such a party during this 90-day extended period. This is to stop you from working around the agent, and it is effective. In Royal LePage Real Estate Services Ltd. V. McArter (2000), 94 A.C.W.S. (3d) 612 (Ont. S.C.J.), the client tried to work around the agent, but the Court supported the agent and the client had to pay.

Jayson Schwarz LL.M. is a Toronto real estate lawyer and partner in the law firm Schwarz Law Partners LLP. Visit online at schwarzlaw.ca or email info@schwarzlaw.ca with your questions, concerns, critiques and quandaries.

+MORE CONTENT ONLINE nexthome.ca

2023 NKBA ONTARIO CHAPTER DESIGN COMPETITION

CONGRATS 1ST PLACE WINNERS!

PINNACLE + MEDIUM KITCHEN Designers: Erica Sibley + Beverley Binns Binns Kitchen + Bath Design binns.ca PEOPLE’S CHOICE Designers: Yao Butterfly + Kerry Anderson Cato Homey Kitchen Cabinet Design homeykitchencabinet.com BEST “BEFORE AND AFTER” KITCHEN Designer: Erica Sibley Binns Kitchen + Bath Design binns.ca BEST “BEFORE AND AFTER” BATH Designer: Frankie Castro Square Footage squarefootageinc.com

BEST TRADITIONAL KITCHEN Designer: Lyndsie Brandt Otley Design Company otleydesign.com

COMPACT KITCHEN Designer: Viktoriya Velma Allure Interiors allureinteriors.ca

BUDGET FRIENDLY KITCHEN Designer: Erica Sibley Binns Kitchen + Bath Design binns.ca

LARGE BATHROOM Designer: Lyndsie Brandt Otley Design Company otleydesign.com

CONCEPT KITCHEN Designers: Ligia Deltrejo + Holly Cowieson Designström designstrom.com

SMALL BATHROOM Designer: Benjamin Ouellette Bjoid Interior Design bjoid.com

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POWDER ROOM Designer: Kate Davidson Kate and Co Design kateandcodesign.com OTHER ROOM Designer: Laura Goard Square Footage squarefootageinc.com

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CONGRAETS TO TH

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INSPIRATION |

decor

CREATIVE WAYS TO DECORATE WITH WOOD

by LINDA MAZUR

There’s just something about wood that is just so lovely. The warm and inviting nature of wood tends to lend itself well to virtually any decor style. With its organic vibes and an abundance of personality and

34 Active Life |

Oct. 21–Nov. 18, 2023

character, decorating with wood can move beyond just the basic flooring and furnishings.

From simple accessories, to lighting, beautiful contemporary bathroom faucets, wall and ceiling cladding, furniture, kitchen accents and much more, incorporating wood in your home, outside of flooring, is limited only by your creativity.

As a designer, I love the versatile nature of wood, how its nearly endless array of colours and grain options can complement and sometimes even dictate the style within a space. Whether you feel more comfortable with a light, airy and modern vibe or love the rich,

dark more formal woods, I’m sure you can agree that the addition of wood accents to your home can create a depth in your design.

However, working with wood is not just about simply incorporating it in your decor or using it creatively, it’s also about mixing wood types and tones to create a more stylish and elevate space.

When looking to mix and match your woods, the approach is no different than when you blend anything else, such as colour, textures or styles; it’s all about creating continuity, or a story of sorts. You need to pay attention to key details, such as grain, undertones and finish

to successfully blend your woods, as well as the overall style of the space and how the placement, usage and proportion of your wood accents balance within the room.

Another great way of mixing multiple wood tones can be by introducing contrasting colours.

For example, a room with several shades of warm-toned woods can be pulled together and punctuated with a high-contrasting wood stained in a dark, almost black finish. This can complete the space by adding more depth to the design, while adding visual interest. Once you put together the palette that works for you, then all you really need to do is ensure you repeat the shades, at least two times, throughout to maintain continuity and structure within your space; this will make your room look well “pulled-together” without a lot of effort.

Mixing wood tones and decorating with wood in general is not as difficult as you may think, and it can create results that are truly stunning, edgy and stylish. Whether you decide to keep it simple by incorporating a few wood accessories or barstools, or are a little more adventurous and looking to create more drama in your space with a beautiful walnut grain wall panelling or a wood inlay wallpaper, the addition of wood elements will undoubtedly create a totally chic space in your home.

TIPS TO KEEP IN MIND

• If you can, keep your tones consistent when mixing woods, work in all warm, cool or neutral tones • Select one principal wood tone and one or two secondary wood

tones when blending. The principal wood tone is usually the one that will occupy the most space, for example, flooring, wall feature or dining table.

• If there is a drastic difference between your floor colour and other furniture tones the introduction of a patterned rug can help blend them together better.

• Don’t place similar tones of wood close together, it’s all about balance, consistency and harmony. Placement and moderation are key.

• Remember, ultimately decorating with wood and mixing different types or tones of wood is great and encouraged, but ultimately, it’s only a part of the overall design of the space. Colour, texture, pattern all still play an important part.

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

nexthome.ca 35

INSPIRATION |

big style

6 DESIGN TIPS FOR TURNING YOUR SMALL BATHROOM OR POWDER ROOM INTO A

LUXE SPA EXPERIENCE

by LISA ROGERS Renovating or improving your bathroom is a great way to increase your home’s value. Still, before you start your next project, there are factors such as design, space and functionality that you need to consider before you get to work. Here are some essential design tips for turning your small bathroom into a beautiful (and luxe) spa experience.

RE-EVALUATE THE SPACE YOU HAVE

Your bathroom or powder room layout can significantly impact the space’s aesthetics and functionality.

It’s crucial that before you start 36

Active Life |

Oct. 21–Nov. 18, 2023

thinking big picture, you consider the placement of your bathroom elements, including your lighting fixtures and mirror, where you want your vanity to be, the shower or tub, sink, toilet and, most often forgotten, additional storage solutions. You want the room to be as functional as possible – aesthetics can come after.

For example, since condominium or townhome bathrooms are typically smaller than bathrooms you would find in a single-detached home, opting for a pedestal sink can give you more floor space. Opting for this solution means you can play with

experimenting with wall shelves to increase your storage space.

DECIDE ON YOUR AESTHETIC

How do you want to experience this space? Do you want to create a spalike oasis? Or are you looking to add personality with colour and trendy design? Whatever aesthetic you choose, an expert designer can help you achieve the exact look and mood you desire. If your space is smaller, you want to opt for lighter paint colours and bright/mood-enhancing lighting to help open up the room.

If you love colour, you can consider

pastels or lighter variations of primary colours. Tiles and flooring are where you can add more personality, like a checkerboard or heated flooring with ceramic or porcelain tiles.

INTRODUCE TRANQUIL ACCESSORIES

Even a small bathroom can feel like a tranquil sanctuary. Introduce some greenery. Bathrooms tend to have lower light, high humidity and warmer temperatures, so finding the right houseplants is essential. Depending on your space’s size, use potted plants on counters and floors or hang plants from the ceiling. Aloe Vera, begonia, ivy and spider plants work well in this environment, but even a tiny potted vase with fresh flowers will completely transform the room.

Swap out your fabric bathmat (which can get damp) for a slatted wooden mat that ups the spa feel in your space, and as you take a minute in your tub, hang up some artwork you love. People often don’t think about the bathroom walls as a smart

space for artwork, but it can add fantastic visual appeal.

BUY A NEW SHOWERHEAD

It’s immediate luxury. For those who don’t have a large soaking tub, a luxurious shower head with multiple settings, rainfall or a handheld can transform the whole experience.

ADD A SHOWER OR BATHTUB CADDY

The easiest way to help store your bathroom essentials is to keep everything organized (and not scattered all over the floor). It’s remarkable the effect of how calming a clean space can feel. Etsy has some fabulous wooden versions that I love.

ADD FRAGRANCE

I love this new idea of hanging a bunch of eucalyptus over my showerhead. The shower’s steam releases the eucalyptus plant’s essential oils, which can work to clear congestion and inflammation. Plus, the scent is divine. All you have to do is tie the stems together with a rubber band and tie them to your shower head. It can last up to two months until it dries out. Otherwise, many other essential oils work to reduce stress and amp relaxation, and they can give that sensory experience of being at a spa. Vanilla, tea tree oil and Neroli are all lovely. Also, consider scented soaps, lotions and candles to set a restful mood.

Lisa Rogers is Executive Vice-President of Design for Dunpar Homes (dunparhomes.com). Lisa has shared her style and design expertise on popular television programs such as Canadian Living TV, House & Home TV and as a regular guest expert for fashion and image, health and wellness and design on CityTV’s Cityline. Follow Lisa’s blog at craftedbylisa.ca nexthome.ca 37

INSPIRATION |

home finds

LIVING etc.

by SARA DUCK

Inspiring home products and decor trends for the fall

Plush and comfortable with a durable and luxuriously soft fabric, the Union four-seat sofa is the perfect sofa for your family room. Did we mention it comes delivered to your door in convenient compact boxes and has an easy tool-free setup? It’s win-win!

Union four-seat SOFA in navy blue and walnut legs. $4,595. burrow.com 38 Active Life |

Oct. 21–Nov. 18, 2023

Falling for decor Autumn decor embraces deep colours and rich textures to create a cosier atmosphere for those cooler temps.

2

1

5

1. BLU framed hand-embellished GICLEE. $79. structube.com 2. Fillmore mid-century CHAIR. From $1,499. westelm.ca 3. Harway BUFFET. $2,549. westelm.ca 4. Bianca table LAMP in red marble. $389. cb2.ca 5. Hartman COFFEE TABLE in walnut brown by Baxton Studios. $262. homedepot.ca

4 3

Cosy up Wrap yourself in the new muslin blanket by Endy. Crafted with 100 per cent cotton, this lightweight and breathable blanket will be your new go-to for cosying up and staying cool and comfortable all night long. Available in four shades. $175. endy.com

INTO THE

blue Agave is Le Creuset Canada’s latest hue, inspired by the serene strength of the Pacific Ocean and the jeweltoned agave azul plant. The Agave collection offers a range of kitchen essentials such as Dutch ovens, skillets and speciality cookware, while also gracing coffee and tea rituals with French presses, teapots and mugs. lecreuset.ca

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HOT PROPERTIES | GOLDEN HORSESHOE

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FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO ) OR DO UT E /O OR ENTR DO C (IN ITY UN MM CO

L GO

TEN

F

NI S

PRICE FROM

LE STY ES VI C SER CE E S AN EN OFFIC I NT L MA IONA ITY L ESS FACI OF PR CARE EM T H SYS ALT HE ITY G UR IN SEC DEN R GA

OL

COMMUNITY NAME & CONTACT

Inquire

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$730K $670K Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Mid $500K Mid $300K Resale Inquire $3,415/mo. $600k Inquire Inquire $520K Inquire $830K $3,200/mo.

Low $500K Inquire Inquire Inquire Inquire Inquire Low $600K $3,400/mo.

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Mid $600K Low $300K Mid $400K Inquire Mid $300K $4,775/mo.

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NOVA SCOTIA Fox Harb’r – 1.866.257.1801

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GREATER TORONTO AREA 42 Mill St., Amico – 42millst.com Affinity Condo, Rosehaven – affinitycondo.com Amica The Balmoral Club – 416.927.0055 Amica Bayview – 416.977.3177 Amica Bayview Gardens – 647.286.7935 Amica Brampton – 905.460.0080 Amica Bronte Harbour – 905.842.8167 Amica City Centre – 905.803.8100 Amica Erin Mills – 905.816.9163 Amica Georgetown – 905.702.1555 Amica Newmarket – 905.952.0505 Amica Oakville – 905.842.8167 Amica Pickering – amica.ca Amica Swan Lake – 905.201.6058 Amica Thornhill – 905.886.3400 Amica Unionville – 905.947.9990 Amica Whitby – 905.665.6200 Ashgrove Meadows, Picture Homes – 905.985.0808 Axess Condos, Liberty Hamlets – axesscondos.ca Ballantrae Golf & Country Club – 905.640.1055 Bradgate Arms, Revera – 416.968.1331 Canterbury Place, Verve – 416.227.1643 Cape Cod Villas, Kaitlin – kaitlincorp.com Chartwell Grenadier Ret. Res – 416.769.2885 Chartwell Scarlett Heights – 647.846.7007 Connectt, Briarwood/Gilbach – briarwoodhomes.ca Court at Brooklin & Pringle Creek – 905.655.7718 Courts of Canterbury, Geranium – courtsofcanterbury.com Credit River Retirement, Verve – 905.812.9191 The Davis Residences, LCL Builds/Rose Corporation – thedaviscondos.com DelManor Elgin Mills – 905.770.7963 DelManor Glen Abbey – 905.469.3232 DelManor Northtown – 416.225.9146 DelManor Prince Edward – 416.233.0725 DelManor Wynford – 416.331.9797 Edge & Oro Towers, Solmar – edgetowers.ca Evergreen Retirement, Verve – 905.502.8882 Forest Hill Place, Revera – 416.785.1511 Four Elms, Verve – 905.738.0905 Gallery Condos + Lofts, Carriage Gate Homes – gallery condominiums.ca The Gardens by Maranatha – 905.581.6154 Glengrove on the Park – 905.640.7571 Glynnwood, Revera – 905.881.9475 Harbourview Grand, Kaitlin – 905.987.9871 Hazelton Place, Verve – 416.928.0111 The Kensington, Revera – 905.844.4000 Kensington Place, Sienna – 416.636.9555 King George School Lofts +Towns, The Rose Corporation – 905.235.6566 King’s Landing, Stockworth – stockworth.ca

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On-Site Amenities: ◆ = On-Site Facilities ■ = Facilities Nearby ● = Facilities Planned Legend: Style Legend: A = Apartment B = Bungalow C = Condominium D = Detached F = Freehold FO = Fractional Ownership L = Life Lease LH = Leasehold M = Mobile/Modular MH = Manufactured Home R = Rental S = Semi-Detached TH = Townhome 44

Active Life |

Oct. 21–Nov. 18, 2023

LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

R) DOO OUT OR/ RE NDO CENT L (I Y POO UNIT M COM

Leslie and Wellington, Vermilion – vermiliondevelopments.ca Lakebreeze, Kaitlin Corp. – 607.302.2490 Leslie and Wellington, Vermilion – vermiliondevelopments.ca The Meadows of Aurora – 905.503.5560 Milton’s Bronte West Condos,– 289.851.0701 Modo, Kaitlin Corp. – modolife.ca Nautique Condos, Adi Dev. – 289.337.0766 OakPark, Ballantry Homes – ballantryhomes.com Palermo Village, Verve – 905.582.0395 Parkland on Eglinton West, Shannex – 416.997.2647 Parkland on the Glen, Shannex – 905.820.8210 Pinnacle Uptown: Amber & Perla – 905.568.9000 Port Credit Res., Verve – 905.274.6864 Prince George Landing, Stockworth/RoseWater – 905.655.6060 The Renoir, Revera – 905.853.6400 Richmond Hill Retirement, Verve – 905.770.4704 The Roxborough, Verve – 905.853.4573 Royal Bayview, Tridel – tridel.com St. David’s Village – 416.267.2737 Seasons Clarington – 905.697.9992 Seasons Milton – 905.864.6888 The Shores of Port Credit, Verve –905.821.1161 Southbrook, Rice Dev. – 905.456.2764 Stouffville Creek, Verve – 905.642.2902 Streetsville Centre, Dunpar – 905.318.9112 Sunrise Senior Living of Aurora – 905.841.0022 Sunrise Senior Living of Burlington – 905.333.9969 Sunrise Senior Living of Erin Mills – 905.569.0004 Sunrise Senior Living of Oakville – 905.337.1145 Sunrise Senior Living of Richmond Hill – 905.883.6963 Sunrise Senior Living of Unionville – 905.947.4566 Tapestry at village Gate West – 416.777.2911 The Watford, Watford Group – 416.218.5542 Thorne Mill on Steeles – 905.731.4300 Toronto Street Boutique Condos – maplebrookhomes.ca Valera Towns, Adi Developments – adidevelopments.com Villa Da Vinci, Sienna – 905.264.9119 VIVA Mississauga – 905.566.4500 VIVA Oakville – 1.888.984.8482 VIVA Pickering – 905.831.2088 VIVA Thornhill Woods – 905.417.8585 VIVA Whitby Shores – 1.888.984.8482 Westview Condos, Devonleigh – devonleighhomes.com White Cliffe Terrace, Verve – 905.579.0800 Wilmot Creek, Rice – 1.800.994.5668

Mid $900K $400K Inquire $530K $560K $470K $600K Inquire $3,500/mo.

Inquire Inquire $720K $3,500/mo. $400K Inquire $3,795/mo. $3,550/mo. $1.2 Million $698/mo. $3,360/mo. $3,195/mo.

Inquire Inquire $3,546/mo. $890k Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire Inquire $740k Inquire Inquire Inquire Inquire Inquire Inquire Mid $400k $3,401/mo.

Inquire

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ONTARIO Allora Condos, Urbandale – 613.822.2190 Amica Bearbrook Court – 613.837.8720 Amica London – 519.657.7096 Amica Quinte Gardens – 613.966.5815 Amica Riverside – 519.948.5500 Amica The Glebe – amica.ca Amica at Westboro Park – 613.728.9274 Arbour Village, Wilson Dev. – 1.800.963.7546 Aura By The Lake, Kaitlin Corp. – kaitlincorp.com Batawa livebatawa.com Blue Bay villas at Cobble Beach & Georgian Villas Custom Homes – 1.877.781.0149 Bluepoint Lookout, Allan Dev./valour – bluepointlookout.com Bluewater Country, Parkbridge – 519.542.7800 The Bluffs at Huron, Parkbridge – 519.955.6780 Bob–Lo island 519.736.1111

GREATER TORONTO AREA

ONTARIO

GOLDEN HORSESHOE

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COTTAGE COUNTRY nexthome.ca 45

FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO

Inquire $380K Inquire Inquire $380K Inquire Inquire Inquire Inquire Low $300K $545/mo.

Inquire $370K $470K Inquire Inquire $200K $390K Inquire Inquire $3,614/mo.

Inquire Custom Inquire Inquire $300K Inquire Inquire Low $400K Inquire Mid $300K Mid $200K $420K $380K $370K High $500K Inquire High $300K Inquire $530K Low $100K Inquire Inquire $560K Mid $400K $2,420/mo $390K $370K $230K Inquire Inquire Mid $200K $3,295/mo

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The Brealey Homes & Suites – nirvana.ca Brighton By The Bay – 1.800.418.6918 Burnham Meadows, Picture Homes – 705.742.1212 Carolina Suites, Nautical – 613.267.7000 Clarence Crossing, EQ Homes – 1.866.829.3117 Dough Tarry Homes – 519.474.4410 East Riverside Square, Elm Dev. – eastriversidesquare.com East Village Cobourg, Stalwood – 289–252–1961 Eden Park Clarington – 647.668.3695 Eastside Horizons – eastsidehorizons.ca Elliot Lake Retirement Living – 1.800.461.4663 Empire Crossing, Esprit – 1.800.932.3043 Encore at Port 32, Marshall – port32.com eQuinelle Community, eQ Homes – 1.866.829.3117 Fairways at Seven Lakes, Gintar – 519.252.0419 Frontenac Shores – 1.866.240.5194 Gallipeau Centre – 613.284.9916 Gibbard District Condos – 613.308.9190 Grand Cove Estates, Rice – 519.238.8444 Hamilton Woods, Gordon Tobey – 613.475.0618 Harbour Hill, Nautical Lands – 1.888.991.6548 Hastings Estates, Batavia Homes – bataviahomes.ca Haven On The Trent, Sifton – 1.855.305.7963 illusions, Kaitlin Corp. – kaitlincorp.com Kingswood Cobourg, Mason – masonhomes.ca Kokomo Beach Club, Wastell – kokomobeachclub.com Lakewoods, Lakewoods Resort Dev. – 1.888.990.9120 Lilacs Retirement Village – 705.742.3338 Loyalist Country Club, Kaitlin – 1.800.353.2066 Luna, Silvergate Homes – 905.680.6000 Luxury Waterfront at Picton Harbour – portpictonhomes.com Meneset on the Lake, Parkbridge – 519.440.1465 New Amherst in Cobourg – 1.866.528.9618 Ninth Avenue Estates – 519.371.5228 Orchard Gate Estates, Stalwood – 905.372.4179 Orchard Hill Country Towns – 1.877.548.4455 Palisade Gardens – 905.372.1150 Parklands & The Arbour Condo Villas, Mason – 1.866.443.7900 Perthmore Glen – 1.800.267.4218 Picton Harbour Lofts – 613.902.1433 Pinery Bluffs – 519.317.9931 Quinte Gardens Retirement – 613.966.5815 The Redwoods – 613.828.8540 The Residences of Cobble Beach, Reid’s/Sherwood Homes – 1.877.781.0149 Residences of Sawmill Creek – 519.336.7560 The Richmond, Verve – 613.966.4407 River Terraces at Greystone II, eQ Homes – 613.569.3043 RiverBend Golf Community, Sifton Properties – 519.657.4333 Riverview Meadows, Parkbridge – 519.297.3130 Riverstone, Sifton Properties – 519.851.7386 Riverstone, Brennan Custom – 1.844.211.1818 Sandbanks Summer Village – 613.476.5286 Seasons Amhertsburg – 519.736.7557

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On-Site Amenities: ◆ = On-Site Facilities ■ = Facilities Nearby ● = Facilities Planned Legend: Style Legend: A = Apartment B = Bungalow C = Condominium D = Detached F = Freehold FO = Fractional Ownership L = Life Lease LH = Leasehold M = Mobile/Modular MH = Manufactured Home R = Rental S = Semi-Detached TH = Townhome 46

Active Life |

Oct. 21–Nov. 18, 2023

LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

Seasons Belle River – 519.727.0034 Seasons Brantford – 519.752.5477 Seasons Owen Sound – 519.371.5115 Seasons Royal Oak Village – 519.966.5475 Sherbrooke Heights – 705.243.4564 Stone & South, CaraCo – 613.875.2524 Sunrise Senior Living of Windsor – 519.974.5858 Tall Ships Landing, Fuller Grp. – 613.498.7245 The Walton Residences – 416.99.9851 Twelve Trees Waterfront Condos, Royalcliff Homes – 613.969.2044 Twin elms, Parkbridge – 519.245.3300 Valleyview Estates – 705.696.1600 Victoria Retirement – 905.377.1555 Views Prince edward County, Cosmopolitan Homes – lovetheviews.ca Vintage Green in Ilderton – 519.666.2094 VIVA Barrhaven – 1.888.984.8482 VIVA Waterside – 613.653.2010 Waterside, Viva – 613.253.2010 Wellings of Corunna, Nautical – 226.455.0505 Wellings of Picton, Nautical – 613.707.0431 Wellings of Stittsville, Nautical – 1.888.643.6548 Wellington Bay Estates & Abbott Lane Towns, Sandbank – 1.800.353.7823 West Five, Sifton – sifton.com Westlinks, Rice Dev. – 1.888.ASK.RiCe Whispering Pine, Sifton – sifton.com Wood Haven Luxury Condos – 519.842.9090 Young’s Cove, Briarwood – 1.866.962.5264

$3,490/mo $3,375/mo $3,045/mo $3,560/mo Inquire Low $500K Inquire $600K Inquire Mid $400K $90K $140K $1,795/mo Inquire Inquire Inquire Inquire Inquire $1,995/mo $3,295/mo $1,995/mo Inquire Inquire Low $400K Inquire $380K $480K

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GOLDEN HORSESHOE Amica Dundas 905.628.6200 Amica Stoney Creek 905.664.8444 Arbour vale, Pinewood 905.397.8616 The Bench Beamsville benchcondos.com Bench Mark, Losani Homes – losanihomes.com Century Condos, Homes By DeSantis centurycondos.ca Coast Road, River Rock Const. coastroad.ca Davis Heights, Lucchetta Homes lucchettahomes.com Deerwood Lane, Southport – 905.658.3554 Dickson Hill, Jackson Homes – dicksonhill.ca Dover Coast Phase 2, Stockworth – 519.583.2049 The Dover Wharf – doverwharf.com Edgewood Suites, FLATO® – edgewoodsuites.ca Elora Mill Condominiums, Pearle – eloramillcondos.ca The Flats at Black Creek – 519.583.9009 Grand Bell, Lakeview Dev. Hldgs. – grandbellsuites.com Grimsby Waterfront, Losani – losanihomes.com The Harbour Club, SDR Group – theharbourclub.ca Harbour Heights – 519.754.6772 Harbourtown village, Silvergate Hardy Terrace, Verve – 519.484.2431 Harvest Retirement Village – 519.688.0448 The Jacob, Emshih Living – 905.563.3322 Kayak Urban Towns, Kingwood – kingwoodhomes.ca King’s Park, LJM Dev. – kingspark.ca Lakeside Landing Wellington, Royalcliff, lakesidelandingwellington.ca Legends On The Green, Silvergate Homes – silvergatehomes.com Lincoln Park Retirement – 905.309.0055 The Manse, Homes By JBR – 905.692.1052 Meadowlands – 905.304.1968 Metcalfe Gardens, Verve – 519.631.9393 The Oaks at Six Mile Creek, Blythwood Homes Townhomes at the Oaks in Ridgeway – blythwoodhomes.ca

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COTTAGE COUNTRY nexthome.ca 47

FEATURE FINDER

FIND YOUR NEXT HOME Complete guide to adult lifestyle communities PO

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COMMUNITY NAME & CONTACT Odyssey, Rosehaven – odysseylife.ca One Five Central, Aiva – onefivecentral.com Panorama Condos, Kalar – 289.271.4950 Park Lane Place, Park Lane Homes 905.382.8857 Passages on the Canal, BW – mypassages.ca Pine Meadows– 226.821.1688 Piper’s Grove Condos, Reid’s – 226.751.5250 Portside at Woodway Trails – huroncreek.com Portview estates, Silvergate – silvergatehomes.com Queensview Retirement Comm. 1.888.436.6534 Riverside at Hunters Pointe, Lucchetta Homes – 289.820.8600 Royal Port, Rankin – 1–833–ROYAL–51 Royal Ridge, Royal Oak Prop. – royalridge.ca Ryan’s Grove, Lucchetta Homes – lucchettahomes.com Shelter Cove – 1.866.416.8848 The Shores, Marz Homes – 905.894.7873 South Hill, Thomasfield – 519.766.5060 South Port, Rankin Const. – southpt.ca The Spencer at Dundas Peak, Sage – spencercondo.com St. Elizabeth Mills, Zest – 905.574.8178 Stonecroft by Carey Homes – 1.866.278.7577 Sweetberry, Losani Homes – losanihomes.com Trailside at Grey Silo Gate, Activa – 519.742.5800 Victoria & John, Solmar – 905.688.3010 Upper Vista Condos, Evertrust – 1.866.418.8936 Village Creek, Park Lane Homes – 905.382.8857 The Village on Prince Charles, Carey Homes – careyhomes.ca Village On The Twelve, Silvergate Homes – silvergatehomes.com The Vines, Four Mile Creek, Blythwood Woodcastle Homes – 647.531.8463 The Vintages at Four Mile Creek, Blythwood – 905.657.2977 Vista Ridge & Vibrant, Losani – losanihomes.com Viva On The Lake, Losani – losanihomes.com Watercrest at Hunter’s Point, Luccetta – luccettahomes.com/watercrest Waterview Condos, LJM – 1.855.500.1215 Welland High Garden, Dennis – wellandhighgarden.ca Wellings of Waterford – 1.800.996.9885 Westwood Trails, Sinclair Homes – 226.476.2227

$540K High $200K $330K Mid $400K Inquire Resale $360K Mid $300K $1 Million + $2,395/mo.

Low $500K Mid $800K $600K $760K Low $200K High $300K $420K $360K Inquire $370K $670K Inquire Low $400K Inquire Low $500K Mid $400K Low $400K High $600K $570K Mid $500K $300K Inquire Inquire Low $400K Inquire $1,295/mo. $360K

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COTTAGE COUNTRY Amica Little Lake – 705.722.9191 Aquavil, Royalton Homes – aquavil.ca Ashton Meadows, Briarwood – ashtonmeadows.ca Beaverton Common, Armour Heights Developments – armourhd.com Bistro 6, Pratt Homes – 705-733-0300 Blue Vista, Royalton Homes – bluevista.ca Braestone Horseshoe Valley, Georgian international – 705.727.5656 The Bungalows at Peaks Ridge – 416.399.6546 Chalets at Georgian Shores – georgian–shores.ca Fenelon Lakes Club – 705.887.5440 Forest Heights, Democrat Homes – 705.835.0354 Friday Harbour Resort, Geranium/Pemberton – 647.351.0991 Georgian Sands, Elm Dev. – georgiansands.com Gryffin Bluffs, Gang of Five Inc. – gryffinbluffs.ca

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On-Site Amenities: ◆ = On-Site Facilities ■ = Facilities Nearby ● = Facilities Planned Legend: Style Legend: A = Apartment B = Bungalow C = Condominium D = Detached F = Freehold FO = Fractional Ownership L = Life Lease LH = Leasehold M = Mobile/Modular MH = Manufactured Home R = Rental S = Semi-Detached TH = Townhome 48

Active Life |

Oct. 21–Nov. 18, 2023

LE STY ES V IC SER NCE S ENA FFICE INT O L MA NA SIO ILITY FES C PRO RE FA A TEM HC SYS ALT HE ITY G UR IN SEC DEN R GA

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Harbour Pointe, Batavia – 705.355.0363

$380K

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Harmony Living, Mamta – mamtahomes.com

Inquire

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Hedge Road Landing, Alliance – 905.596.2200

Inquire

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Highcrest Muskoka, edgewoodmuskoka.com

Inquire

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Homes on the Bay, Rose Water – rosewatermanagement.com

Inquire

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Hometown Creemore, Alliance – hometowncreemore.ca

$590K

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Holland Gardens, Verve – 905.775.6020

The Këmp, Fortress – 905.787.9266

Inquire

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Kings Landing, Dreamland Homes – 905.657.4663

High $500K

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Kingsmere Retirement, Sienna – 705.434.4600

Inquire

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Kingsview on Balsam Lake, Kaitlin – 1.866.514.3573

Inquire

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Lākhouse Lakefront Residences, Aalto Developments – lakhouse.ca

$470K

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Lakepoint village, Alliance – 705.323.9768

$260K

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Lakeside Muskoka, lakesidemuskoka.ca

Mid $700,000s

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The Landing at Little Lake – 705.719.9909

Mid $300K

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Lora Bay: The Cottages & The Masters, Sherwood Homes – 1.877.696.8984

Mid $600K

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Beachway Crossing, Stonebridge Building Group -stonebridgebg.com

Mid $600K

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$380K

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Matchedash Lofts, Oakleigh Dev. – 647.502.5255

$430K

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Mid $200K

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Markdale Highlands, Sunfield – sunfieldhomes.com

Monaco Condominiums – 1.855.666.7007

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Muskoka Bay Resort, Freed Developments Ltd. – 1.866.321.2004

High $300K

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Mountain House at Windfall, Georgian International – 705.293.0954

Low $300K

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Mountaincroft, Grandview Homes – 1.866.775.0333

$470K

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Muskokan Resort Club – 1.866.960.9016

Inquire

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Oak Bay, Eden Oak – 705.538.0303

$520K

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Red Maple, Alliance/Consar – 705.293.1374

$370K

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Residences at Five Points, AT Dev. – atdevelopments.ca

$420K

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Residences on McMurray, Unexus – 705.646.2333

Inquire

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Riverway, Centurion Homes – 647.478.9050

Mid $500K

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Royal Windsor at Balmoral Village, Sherwood Homes – 1.877.887.3437

Mid $300K

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Sandycove Acres, Parkbridge – 1.800.348.7161 Sea Shell Bay, Calibrex – seashellbay.ca

Inquire

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Seasons on Little Lake, Hanson – 1.888.990.9120

Mid $300K

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Simcoe Gardens, Mamta – mamtahomes.com

$900K

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Sophie’s Landing – sophieslanding.ca

Low $500K

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The South Shore, Fortress – 905.476.6400

Mid $500K

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Terrace Wood, Third Line – 647.227.4069

$540K

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Stonebridge By The Bay, Stonebridge Building Group – 705.422.0880 The Summit, Truelife – thesummitmuskoka.com The Tom Studio Suties, Greystone – 705.773.8833

$280K

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The Villas at Wasaga Meadows, Parkbridge – 705.429.5996

Inquire

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The Waterfront at Grandview – waterfrontatgrandview.com

Inquire

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The View at Blue Fairway, MacPherson Builders – theviewcondos.ca

Thornbury Meadows, Telfer Homes – thornburymeadows.ca

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$360K

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Treetops at Hidden valley, Club Leisure Corporation – 1–855–784–9990

$370K

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The viC Condos, AT Dev. – atdevelopments.ca

Inquire

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Valley Lodge at Horseshoe Resort – 1–844–845–6343

Low $300K

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Vistas Hillside Briar Hill – 705.435.5503

Mid $400K

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Timberline, Batavia Homes – bataviahomes.ca

Waterstone Modern Townes, Nexus – waterstonetownes.com The Waterways of Muskoka – 705.645.5533 White Pines, Mattamy Homes – 705.645.6448 Windfall Phase 2 in Blue Mountain village, Georgian International – 705.293.0954

Inquire

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Low $400K

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Woodland Creeks, Briarwood – woodlandcreeks.ca

Mid $500K

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Wyldewood Creek, Brandy Lane – 1.800.315.HOME

Low $300K

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COTTAGE COUNTRY nexthome.ca 49

ADVICE | INDUSTRY REPORT

AVOID RENOVATION

HEADACHES BY PROCURING ALL NECESSARY PERMITS

DAVE WILKES

Wondering whether you need a permit for the home renovation you are planning? Chances are, the answer is yes. Permits are considered formal permission from your municipality for the construction, demolition or alteration of a home.

You need one for most major renovations, including changing structural walls, modifying plumbing systems, installing new windows or altering electrical systems.

Each municipality in the GTA has its own set of regulations. A professional renovation contractor can advise you whether you need permits for your specific renovation in your municipality and can also help you obtain them. Your renovator’s help will speed up a process that can take up to several months in some municipalities for large or complex renovations and can be confusing to navigate if you are not familiar with it.

Permits can cost hundreds, even thousands, of dollars, depending on the complexity of the project. In most GTA municipalities, the building permit for a small renovation project will cost about $200 to $300. Permits for changes like HVAC alterations cost between $200 and $350, and permits for fences, porches and carports cost close to $200. While permit fees may seem expensive, imagine the cost of having to redo the work if it isn’t done according to the building code.

All building permits must be obtained before you begin renovating. Be wary of renovators 50

Active Life |

Oct. 21–Nov. 18, 2023

who encourage you to forgo permits.

They may cite the additional costs or time delays involved in obtaining permits as reasons to avoid them, but their real motivation may be to avoid scrutiny as they cut corners or bypass work required by the building code.

I encourage you to speak with a renovation professional who is part of the RenoMark program.

All RenoMark renovators commit to a code of conduct that requires that they offer a minimum oneyear warranty on all work, carry a minimum of $2 million in liability insurance and provide a detailed written contract that oulines the scope of work, timelines, payment schedules and whether permits are required. If building permits are

needed, RenoMark renovators will ensure that they are in place before they start construction.

If you are interested in hiring a RenoMark renovator, visit renomark.ca to find one in your area.

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.

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