GTA Homes Magazine - October 21, 2023

Greater Toronto Area Oct. 21–Nov. 18, 2023

Greater Toronto’s Finest NEW HOME GUIDE

Simply the Best Meet Toronto’s best highrise sales team of 2023, awarded by BILD

INSIDE:

6 TIPS TO TURN YOUR BATHROOM INTO A LUXE SPA

HOW TO FIND THE RIGHT MORTGAGE WHEN RATES ARE HIGH

IN YOUR DREAMS That’s where we find inspiration for National’s designs.

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Because at National, you are the blueprint.

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OCT. 21–NOV. 18, 2023

CONTENTS

36

FIELDGATE HOMES

FIND YOUR DREAM HOME IN ONE OF FIELDGATE’S SIGNATURE GTA COMMUNITIES

DEPARTMENTS

COLUMNS

10

Editor’s Note

23

14

In the Spotlight

22

Master planning

GTA new home market quiet in August; more news on pages 15, 18 and 19

HOMES Online

Catch up between issues at nexthome.ca

How to choose a real estate agent

Mariam Aboutaam, Director, Sales, Marketing, Interior Design, Kylemore

36 Fieldgate Homes

Find your dream home in one of Fieldgate’s signature GTA communities

6

HOMES Magazine |

Oct. 21-Nov. 18, 2023

INSPIRATION

38

Home Realty

How we can help keep the homeownership dream alive Celebrating members and cherishing membership

In Conversation With

Avoid renovation headaches by procuring all necessary permits

28

Personal Finance

35

Creative ways to decorate with wood 6 design tips to turn your small bathroom into a lux spa experience

42 Home Finds

Inspiring home products and decor trends for the fall

How to find the right mortgage when interest rates are high

30 Real Estate Pro

Decor

40 Big Style

26 Western View

FEATURES

32

Understanding the impact of demographics on the housing market

24 Legally Speaking 25

50 Industry Report

Stat Chat

IN EVERY ISSUE

Governments play a major role in new homes bottleneck

8

TRREB Report

44 Maps & Charts for New Home Communities

Sustainability and real estate: Greener choices for a better tomorrow

Contributors

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

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

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

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 CONTRIBUTORS

TRREB REPORT | PAUL BARON Paul Baron is President of TRREB, and a career real estate executive with more than 30 years of experience. He is the Broker of Record for Century 21 Leading Edge Realty Inc., which he founded in 1993. trreb.ca

Jesse Abrams, Mike Collins-Williams, Debbie Cosic, Sara Duck, Barbara Lawlor, Linda Mazur, Jason Mercer, Ben Myers, Lisa Rogers, Jayson Schwarz, Dave Wilkes EXECUTIVE MEDIA CONSULTANTS

Jacky Hill, Michael Rosset VICE-PRESIDENT, MARKETING – GTA

HOME REALTY | DEBBIE COSIC Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca

Leanne Speers

MANAGER, CLIENT RELATIONS

Sonia Presotto

MANAGER CUSTOMER SALES/SERVICE

Marilyn Watling

SALES & MARKETING CO-ORDINATOR

Gary Chilvers

BUSINESS DEVELOPMENT MANAGER

REAL ESTATE PRO | BARBARA LAWLOR Barbara Lawlor is President and CEO of Baker Real Estate Inc., and an indemand columnist and speaker. A member of the Baker team since 1993, Barbara oversees the marketing and sale of condo developments in Canada and overseas. baker-re.com

Josh Rosset DISTRIBUTION

distributionteam@nexthome.ca ACCOUNTING INQUIRIES

accountingteam@nexthome.ca DIRECTOR OF PRINT MEDIA

Lauren Reid–Sachs

VICE-PRESIDENT, PRODUCTION – GTA

Lisa Kelly

DECOR | LINDA MAZUR 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

PRODUCTION MANAGER – GTA

Yvonne Poon

GRAPHIC DESIGNER & ASSISTANT MANAGER

Alicesa Pullan

GRAPHIC DESIGNER & PRE-PRESS COORDINATOR

Hannah Yarkony GRAPHIC DESIGNER

Mike Terentiev

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.

Published by

nexthome.ca

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

BILD REPORT | DAVE WILKES Dave Wilkes is president and CEO of the Building Industry and Land Development Association (BILD), the voice of the home building, land development and professional renovation industry in the GTA. For the latest industry news and new home data, follow BILD on Twitter at @bildgta or visit bildgta.ca

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Copyright 2023 All rights reserved. All copyright and other intellectual property rights in the contents hereof are the property of NextHome, and not that of the individual client.

The customer has purchased the right of reproduction in NextHome and does not have the right to reproduce the ad or photo in any other place or publication without the previous written consent of NextHome.

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EDITOR’S NOTE

MASTER PLANNING

WAYNE KARL EDITOR-IN-CHIEF HOMES Magazine

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

+ get social 10

HOMES Magazine |

Oct. 21-Nov. 18, 2023

These are interesting times in the housing industry, and thus for homebuyers. As we’re in the fourth quarter of the year already, and approaching 2024, it’s a natural time to look ahead.

Polybagged with this issue of HOMES is our 2023 Builders’ Annual, which, like our sister publications Condo Life and Active Life, as well as our website nexthome.ca, is designed with one goal in mind – to help you.

There’s a lot to consider and many issues to make sense of and navigate when you buy a home. This is where our products come in – to help put it all in perspective, so you can make informed homebuying decisions.

Content in the Annual is designed to help educate prospective homebuyers on everything you need to know, and then when you’re ready, where, what and from whom to buy. We enlisted more than a dozen industry experts to provide insight and expertise on the issues and opportunities in the GTA, which, you should know, is historically one of the most desirable and best performing housing markets in the country.

And in this issue of HOMES, we offer our usual coverage of industry news, insightful expert columns and other content – all intended to be among your resources for your homebuying journey. Together, in both publications – whose content eventually also makes its way onto nexthome.ca – you can learn about the various new home product available to you, including the increasing importance of master-planned communities.

When it comes to building and buying homes, especially in a challenging environment for increasingly discerning consumers, there is no room for anything but the best. And the GTA new home market has lots of that.

Meanwhile, in the coming months, we’re hoping to see more federal, provincial and municipal housing policies emerge that, ultimately, facilitate more of this activity.

Ontario’s homebuilding and homebuying future depends on it.

Interact with us on social media: nexthome

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IN THE SPOTLIGHT

GTA NEW HOME MARKET QUIET IN AUGUST The GTA new home market was slow in August, the Building Industry and Land Development Association (BILD) reports.

There were 711 new home sales in August, up 52 per cent from August 2022 and 63 per cent below the 10-year average, according to Altus Group, BILD’s official source for new home market intelligence. It was the second lowest August for new home sales since Altus Group began tracking in 2000.

“While August is typically a slower buying month, the return of the interest rate hikes further dampened GTA new homes sales,” says Edward Jegg, research manager at Altus Group.

Condominium units, including in low-, medium- and highrise buildings, stacked townhouses and loft units, accounted for 443 units sold in August, up 15 per cent from 14

HOMES Magazine |

Oct. 21-Nov. 18, 2023

August 2022 and 66 per cent below the 10-year average.

There were 268 single-family home sales in August, up 227 per cent from August 2022 and 56 per cent below the 10-year average.

Single-family homes include detached, linked, and semidetached houses and townhouses (excluding stacked townhouses).

Total new home remaining inventory decreased compared to the previous month, to 16,139 units. It included 14,242 condominium apartment units and 1,897 single family lots, representing 13.7 months and 4.5 months of inventory, respectively, based on average sales for the last 12 months. A balanced market has nine to 12 months of inventory. Remaining inventory includes units in preconstruction projects, in projects currently

under construction, and in completed buildings.

“Interest rates remain a barrier for prospective new-home buyers in the GTA,” says Justin Sherwood, senior vice-president of communications and stakeholder relations at BILD. “However, the relatively strong sales of single-family homes in August demonstrate that municipalities need to enable the building of a mix of housing types to make sure families can find the homes they need when more typical market conditions return.”

Benchmark prices increased slightly in August compared to the previous month. The benchmark price for new condominium apartments was $1.08 million, which was down 8.5 per cent over the last 12 months. The benchmark price for new singlefamily homes was $1.72 million, down 7.3 per cent over the last 12 months.

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

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IN THE SPOTLIGHT

OHBA NAMES WINNERS OF 2023 AWARDS OF DISTINCTION 2023 PRESTIGE AWARD WINNERS ALSO INCLUDE:

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

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

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 18 HOMES Magazine |

Oct. 21-Nov. 18, 2023

to embracing green initiatives to enhance the lives of Ontario homebuyers.

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.

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

OHBA People’s Choice Award, Amexon Development Corp.

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 year-to-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 19

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

BUILDER PROFILE

Losani Homes creating exceptional communities in captivating settings 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.

HOUSING MARKET

Softening fall resale market could represent opportunities for buyers While higher interest rates may lead to a softer resale market this fall, holding prices may represent an opportunity for well-prepared prospective buyers – especially in Ontario.

LOWRISE COMMUNITIES

Geranium – connecting families with nature, for life.

This fall, Geranium is offering three incredible communities, designed to embrace nature and blend seamlessly into the surrounding landscape.

Families seeking a spacious new home in Aurora, Claremont north Pickering, or Springwater near Barrie, will find their forever home among the thoughtful designs, exquisite features and finishes, and master-planned streetscapes on which Geranium has built its excellent reputation.

INSIGHT

Building affordable and sustainable cities The West End Home Builders’ Association has been advocating for housing affordability and choice by supporting regulations that facilitate new home construction of all types, and by proposing reforms of policies that keep our cities stagnant.

ANALYSIS

What governments aren’t doing to help the housing crisis Most politicians don’t have the education or work experience when it comes to developmental planning and construction, and those who sit in government offices rubber-stamping projects, are no more informed. We need to find new ways to expedite the homebuilding process.

Visit nexthome.ca or check us out on 22 HOMES Magazine |

Oct. 21-Nov. 18, 2023

@HOMESMagazineON

@HOMESMagazine.Ontario

@homesmagazine

ADVICE | STAT CHAT

UNDERSTANDING THE IMPACT OF DEMOGRAPHICS ON CANADA’S

HOUSING MARKET BEN MYERS Predicting changes in the housing market is a formidable challenge, and one of the factors influencing housing that had previously been ignored is demographics. In Canada, a prolonged trend of an aging population coupled with a declining birth rate has compelled the federal government to respond by targeting more immigration. However, the considerable increase in the population has amplified the need to expand housing options, particularly an urgent demand for new purposebuilt rental accommodations.

The economics of building purpose-built rentals have been challenging due to multiple factors: Rising land costs, higher government charges, soaring construction costs and, more recently, higher borrowing costs due to the increase in interest rates. The present economic realities, coupled with the huge decline in rents that occurred during the pandemic, have made the development industry and their capital partners reluctant to make the necessary financial investment in rental apartments, even as the need has been growing.

In the GTA, developers are much more likely to build condominium apartments due to the lower upfront equity requirements, the revenue certainty that comes with selling the product upfront, and the greater availability of construction financing dollars. Since 2000, these realities have resulted in a significant disparity

in the GTA between condominium and rental tenured buildings.

Between 2000 and 2022, metro area developers have been building about 17,000 condo unit per year, compared to less than 2,500 rental apartments.

While it is true that many of these condos have been purchased by investors who rent the units out, providing much-needed supply to tenants, there is concern about the long-term viability of relying on individual investors to create housing and the problem of tenant security when that suite can be sold at any time. Developers have been advocating for a change in the way new buildings are taxed to allow them to build more dedicated rental buildings, and create a better tenant experience.

Recently, both the Liberal and Conservative federal parties have announced incentives to help motivate developers to build more purpose-built rentals. Most significantly, both parties will remove the GST and/or HST from these developments, making them immediately more financially viable.

At the same time, the Conservatives plan to offer, in the words of their leader Peter Poilievre, a “carrot-andstick approach.” If municipalities increase housing stock by 15 per cent, they will receive government funding bonuses, and if they don’t, they will have funding clawed back.

The lack of supply is already evident in today’s market. Since the recovery from the pandemic started, rental and condo apartment rental rates in many GTA municipalities have increased by almost 50 per cent – a staggering figure. Economics 101 would tell you that this

massive increase in revenue should encourage more developers to build apartments, but government fees that are absurdly high, unnecessary planning obstacles, and NIMBY (Not in My Backyard) resistance to tall buildings have made many of these projects “no longer pencil out,” as they say. Removing GST may greenlight more of these projects, but more creative financing is needed, as well as the removal of municipal and provincial red tape.

As our government continues to tackle housing affordability, it is clear how difficult that task is due to inflation, higher rates, environmental concerns, lack of land availability, lack of skilled trades and many more risk factors. To be completely honest, there are a lot of people who do not want house prices or rents to decline, and they will vote down politicians who want to make substantial changes to the housing landscape.

If I were a betting person (which I am not), I’d wager on decreasing affordability and higher house prices in five years. Don’t take my word for it; do your homework and conduct your own research. Consider hiring a reputable realtor and mortgage broker, and good luck.

Ben Myers is the President of Bullpen Consulting, a boutique residential real estate advisory firm specializing in condominium and rental apartment market studies, forecasts and valuations for developers, lenders and land owners.

Contact him at bullpenconsulting.ca and @benmyers29 on Twitter.

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nexthome.ca 23

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 24

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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.

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ADVICE | HOME REALTY

HOW WE CAN KEEP THE HOMEOWNERSHIP DREAM ALIVE

DEBBIE COSIC

On a recent to trip to Germany, I was impressed with the medical attention and the assistance we received. I also witnessed a lifestyle that appeared to be more in keeping with a dignified appreciation for all of their citizens. They, too, are struggling with inflationary housing prices, and many factors are contributing to this, including an influx of refugees arriving in Germany from the Ukraine. Planned subsidies are being introduced to help promote homeownership. One such program is restricted to the sale of new-build housing, and offers loans at preferential interest rates.

Canada is also an attractive destination for refugees seeking safety and a better quality of life. So many factors are contributing to the housing crisis. There are delays at every level of government when it comes to getting building permits and planning permission. New homebuilders can’t even get started on projects in a timely manner, further exasperating the housing situation. More has to be done to expedite the process so the problems can actually be fixed. And more has to be done to assist Canadian citizens with homeownership.

We have the first-time homebuyer incentive. This program offers five to 10 per cent of the home’s purchase price to put towards a down payment.

This assistance is supposed to lower the mortgage carrying costs. Still, with rising interest rates this initial injection does little to soften the monthly expenses, and you have to pay it back.

And, what’s available for someone

who finds themselves all alone, or raising kids on their own, during their 30s, 40s and 50s following a death or divorce? How are they supposed to manage? And what about our aging population? Someone who was self-employed, or relied on a spouse, won’t have a pension to help support themselves or their household.

For the first time in our living history, homeownership may not be a credible dream for some Canadians.

Many people struggle with this reality, and are constantly weighing the pros and cons of owning or renting.

Homeownership has always been a secure investment that increased in value over the years, and provided equity for the advancement of a family. If seniors don’t have a house to sell later in life, then we’ve come full circle as it relates to how people will support themselves in their golden years. It’s getting more and more difficult.

With these concerns in mind, there are many building projects that are offering amazing incentives to attract homebuyers during these times of uncertainty – ones that are tailored to all types of purchasers.

Flex. Boutique Condos in Waterloo is offering fully furnished units with a lease guarantee, free property management fees for two years, parking discounts and capped development fees, as well as the right to lease during occupancy.

Located east of the GTA in Pickering is the Grand Condos, by Chestnut Hill Developments. This project is offering a cash flow-positive incentive program, with the intention of lowering the carrying costs for up to two years. This type of assistance is more in keeping with pre-pandemic levels, and offers the investor peace of mind knowing that their rent will cover the monthly expenses. These

types of programs haven’t been seen in years, and are a perfect opportunity for savvy investors and prospective homebuyers – but the time to act, is now.

We sometimes have to look at a counterintuitive approach when fulfilling a dream that is not in keeping with outdated formulas. For those who are new to the housing market, they might have to look for a property that has an auxiliary income. Perhaps a larger home could be reconfigured into a duplex or a triplex to assist with carrying costs? There are many possibilities when you stretch your creative ingenuity. The world of housing is changing, but we all deserve a roof over our heads – one that offers us comfort, security and a sustainable way of life.

Debbie Cosic is CEO and founder of In2ition Realty. She has overseen the sale of more than $15 billion worth of real estate. With Debbie at its helm, In2ition has become one of the fastest-growing and most innovative new home and condo sales companies. in2ition.ca

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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

26

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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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SPOTLIGHT | FEATURED BUILDERS + DEVELOPERS

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nexthome.ca 27

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 28 HOMES Magazine |

Oct. 21-Nov. 18, 2023

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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What truly distinguishes Hersh Realty is their holistic approach to real estate solutions. By collaborating with talented architects, they craft impeccably designed and functional suites that appeal to diverse buyers. Furthermore, their comprehensive in-house mortgage services streamline the buying process, making it both convenient and cost-effective for clients.

The crowning glory of Hersh Realty Group lies in their state-of-the-art facilities. With cutting-edge sound and video pre and post-production studios, they offer developers exceptional resources. Imagine having the power to create high-quality marketing materials and immersive presentations in-house at the click of a button. Hersh Realty's two fully equipped in-house broadcast studios and the grand pre-construction immersive presentation theatre redefine how agents and buyers experience property developments, elevating it to an entirely new level of engagement and sophistication.

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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 30 HOMES Magazine |

Oct. 21-Nov. 18, 2023

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.

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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IN CONVERSATION WITH...

MARIAM ABOUTAAM DIRECTOR SALES, MARKETING, INTERIOR DESIGN KYLEMORE

by WAYNE KARL

Homebuyers today don’t just want a quality-built home, they also want all those little extras that help them enjoy their new abode. Yes, luxury is often part of it, but it’s more so practical inclusions such as flexible and multi-purpose spaces, smart layouts and forward-thinking items such as EV charging options.

In short, it’s about wellness, and one company excelling at it is Kylemore. We sat down with Mariam Aboutaam, director of sales and marketing, interior design, to learn more.

You have a pretty interesting title… What does your job entail, and how is it evolving?

Kylemore is a boutique luxury homebuilder, and the team is very hands-on. My background is in fine arts and design. As the sales, marketing and interior design director, my responsibilities include protecting, curating and evolving our brand, directing advertising, social media, publicity, event creation and cause marketing programs.

Essentially taking on the role of 32

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Oct. 21-Nov. 18, 2023

“visionary” ensuring our brand ethos, personality and essence is filtered through all departments within the company. I oversee the sales operations, through strategic practices and managing our sales team as well as our broker relations.

Interior design has always been a core focus of my role, and after working with a few different design teams, this naturally evolved into becoming the lead designer on completion of all model homes, as well as creating fully furnished and decorated inventory homes for sale.

The approach we take is to give buyers an opportunity to envision living in our homes.

What are the biggest trends in your business these days, and what’s driving them?

I don’t really like to look at trends.

Our company perspective is to create communities that allow people to enjoy a lifestyle that is all encompassing. We ask the question: How can we enrich people’s lives from the built environment to social opportunities? And then we aim to

provide these. Another important part of this is a positive customer experience which extends from the moment a potential homebuyer steps into our sales centre to the pre-delivery inspection and service period. Once you become a Kylemore homeowner, you are considered a part of the family and become a member at Angus Glen Golf Club, as well as invited to join community events and hear first about sales launches.

Kylemore’s tagline is “Wellness.

Luxury. Reimagined.” How does this translate to Kylemore product?

Kylemore’s approach is to keep the future residents in mind when designing our homes. Wellness can be clearly connected to the design and building of the homes and communities we shape. The convergence of wellness and luxury is our core brand, and it influences everything we do. Our community design prioritizes the location, proximity to amenities, as well as the preservation and enhancement of the natural outdoor

home in Angus Glen South Village receives a free three-year family membership to Angus Glen Golf Club. Together, these elements improve the quality of life for Kylemore residents.

environment. The architecture encompasses traditional and modern characteristics with a mix of lot sizes creating beautiful streetscapes.

Interiors are generously proportioned with many options such as loft suites, separate coach homes, and private in-law quarters. Comfort and peace of mind are provided with future-proofing rough-ins such as

EV charging, low VOC materials, top quality heating and cooling systems, and finely tuned construction methods. Add to this an array of finishes, such as 10- and nine-ft. standard ceilings, hardwood flooring, granite countertops and deluxe cabinetry plus a superb selection of upgrades. Lastly, taking wellness a step further, every purchaser of a

What are you noticing from homebuyers these days that you weren’t, say, five or 10 years ago?

Today’s homebuyers are very knowledgeable. They keep our sales team on their toes with questions we may not have been asked a few years ago. Purchasers know what they want and are willing to take the time to ensure their home meets their family’s needs. Our buyers understand the homebuying process, as we are often not their first home.

We’re finding our homebuyers are younger, will live in their home for many years and appreciate that they can move-up or down within the Kylemore community. I believe buyers are paying more attention to what goes into building their home, items that you can’t necessarily see in a finished home, but that add comfort, value and durability. That’s why the marketing and sales team worked to create a detailed illustration of a Kylemore home, listing many of these “hidden” elements. This helps us to tell the wellness story, and is something that differentiates us from the landscape of homebuilders.

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

If I’m not working, you’ll find me at home with my two daughters. I spend quality time with them through meaningful experiences, as well as with extended family and friends. My kids and I share a profound love and appreciation for the arts. We are always creating, exploring and learning new crafts together.

Who or what is your greatest inspiration for what you do?

The late Zaha Hadid, architect, artist and designer has always been a huge inspiration. Growing up, I studied art history and architecture. I feel a kinship to her as a Middle Eastern woman in a male dominated industry.

What’s on your reading or TV binge-watch list these days?

I’m currently reading The Pivot Year, by Brianna Wiest; On Women and Leadership, a series of definitive articles on gender dynamics at work from Harvard Business Review; and The 48 Laws of Power, by Robert Greene. The last HBO Series I finished was Succession. I have yet to find something as gripping to watch as that masterpiece.

nexthome.ca 33

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ADVICE | TRREB REPORT

SUSTAINABILITY & REAL ESTATE:

GREENER CHOICES FOR A BETTER TOMORROW

PAUL BARON Developers and homeowners alike need to take meaningful steps forward on the path to a sustainable future. How can we establish attainable environmentally friendly goals in the face of economic uncertainty?

We can no longer ignore the fact that our planet is in danger.

Concerning conditions over the last decade clearly indicate that climate change is getting worse, and there is no reprieve in sight. We have experienced the devastating impact of damaging winds, torrential downpours, forest fires, and rising temperatures to neighbourhoods right across the country.

BUILDING GREENER HOMES

A greener future is not possible without building greener homes.

TRREB CEO John DiMichele states that “we know there is a better way to build homes and communities. Before property developers construct their next project, they need a long-term vision with an eye on environmental sustainability from raw materials to Green designs that will benefit, not burden, future generations.”

LEADING THE CHARGE

It’s never too late to start investigating Greener options and taking action. In this spirit, TRREB partnered with the Pembina Institute to reveal the effects electrical vehicles (EV) will have on the residential real estate sector.

There is a strong need for multi-unit residential buildings to install charging stations as more EVs hit our roads.

Setting the wheels in motion to create the necessary infrastructure now is absolutely imperative to support a more sustainable future.

ECO-EFFICIENT UPGRADES

However, the responsibility of prioritizing sustainability does not fall to developers alone. Homeowners also play a key role and must make choices and changes to protect and conserve resources while optimizing energy in their homes. Reducing consumption in all aspects of our lives is the most effective way to live Green and realize its many benefits. The City of Toronto offers grants and incentives to improve homes and reduce greenhouse gas emissions. These programs can assist homeowners with many upgrades to greatly increase energy efficiency.

This includes replacing their furnace with a heat pump, upgrading their windows and insulation or installing a rooftop solar system.

To address the climate crisis head on, an immediate collaborative effort is needed from governments,

developers and homeowners. The road ahead is long, it is worthwhile prioritizing affordable sustainability goals in real estate and is a step in the right direction. Together it is possible to create lasting change and begin to set the trend towards a greener tomorrow for future generations.

For more information on how you can begin implementing more sustainable options in your home, visit betterhomesto.ca. You can also stay up to date on real estate trends with our monthly Market Watch. We break down prices, sales and new listings each month with an easy to glance report. Visit trreb.ca to explore the latest look into the housing market.

Plus, connect with a TRREB member realtor and search listings in real-time on any device.

Paul Baron is President of TRREB, and a career real estate executive with more than 30 years of experience. He is the Broker of Record for Century 21 Leading Edge Realty Inc., which he founded in 1993. trreb.ca

+MORE CONTENT ONLINE nexthome.ca

nexthome.ca 35

BUILDER PROFILE

FIND YOUR DREAM HOME IN

FIELDGATE’S SIGNATURE GTA COMMUNITIES

Fieldgate Homes has been shaping the southern Ontario landscape for more than 65 years, with award-winning master-planned communities and residences families have cherished for generations.

Superior construction, innovative designs, unmatched attention to detail, and attentive customer service are all hallmarks of the company’s excellence. Every home is designed to reflect the contemporary needs and wants of the homebuyer through consistent community engagement – and, the assurance that when you own a Fieldgate home, you are family.

Fieldgate Homes is now open for purchasing by virtual sales appointments across the GTA. You can connect by phone, video chat or email for a secure and convenient homebuying experience. Sales teams are waiting to help you find your perfect Fieldgate home. Explore these featured communities and contact the company today.

NORTH OSHAWA: DREAMSCAPE

Now open – 30-, 36- and 42-ft. detached singles 36

HOMES Magazine |

Oct. 21-Nov. 18, 2023

Enjoy affordable living in north Oshawa with the incredible residences of Dreamscape now open.

This highly anticipated new home community offers a superb mix of expertly designed and crafted 30-, 36- and 42-ft. singles moments to the best modern amenities Durham has to offer. Big box stores, bespoke boutiques, delicious dining, great schools, trails and conservation areas await those who call Dreamscape “home.” Register now at fieldgatehomes.com.

PICKERING: SEATON

Coming soon – semis, 30- and 36-ft. singles, coming soon Enter a serene natural landscape that merges with the convenience of big city amenities at Pickering’s awaited Seaton community, coming soon!. Live at the nexus of classic and contemporary with a remarkable collection of semis, 30- and 36-ft. singles in a skillfully designed community setting. This new community truly has something for everyone with Pickering Town Centre, beautiful Lake Ontario,

shopping, greenspaces, restaurants, Toronto’s eastern border and so much more just minutes away.

Be first to own by registering now at fieldgatehomes.com.

PICKERING: SEATONVILLE

Coming soon – freehold townhomes 30-, 35-, 36- and 43-ft. singles The newest sprawling masterplanned community carefully designed to reimagine Pickering’s landscape. This landmark community boasts a spectacular array of distinctive freehold townhomes, 30-, 35-, 36- and 43-ft. singles mere moments from downtown Pickering’s finest modern amenities and protected greenspaces. Quick and easy access to crucial transit options, Hwys. 407, 412 and 401 connect you to the whole of Durham and Toronto.

Register now at fieldgatehomes.com.

AJAX: ATOWNS

Final Release – urban townhomes The final release of stunning urban townhomes at the aTowns Park Collection in Ajax is now open. At Bayly Street and Salem Road, discover

new family-sized residences backing onto open greenspace, a series of parkettes, sports court and more all connected by winding walking trails weaved throughout. Better still, live surrounded by modern amenities and mere moments to Lake Ontario.

Get the most out of Ajax’s bustling downtown area and enjoy great shopping, tasteful dining, convenient GO Transit, easy access to Hwy. 401 and so much more all nearby.

Register now at fieldgatehomes.com.

BRAMPTON: THE CRESCENTS

Coming soon – freehold townhomes and singles Experience a master-planned community that surrounds you with Brampton’s finest at The Crescents. A collection of 30-, 38-, 45- and 50-ft. singles and freehold townhomes – on mostly crescent streets – just steps from Conservation Drive Park and Heart Lake Conservation Park. Immerse yourself in the city’s unmatched urban amenities, schools and services. Forge new connections with the convenience of Ontario’s fastest transit network, or stroll through the incredible greenspace with woodlands, parks and trails. Find the perfect place for your growing family in the city, against a vibrant backdrop of culture and energy.

Register now at fieldgatehomes.com.

MILTON: VALLEYLANDS OF SIXTEEN MILE CREEK

Coming soon – executive 30-, 36and 43-ft. detached singles Introducing executive riverside living in a natural enclave setting with Valleylands of Sixteen Mile Creek, coming soon to Milton. Take advantage of your rare opportunity to own 30-, 36- and 43-ft. detached riverside residences with lots backing onto Sixteen Mile Creek.

Moments to southern Ontario’s most acclaimed golf courses and protected greenspaces, retail and restaurants, schools, services and access to the most convenient transit options, embrace a lifestyle unlike any other in Milton. Register now at fieldgatehomes.com for exclusive

updates and priority purchase opportunities on Valleylands of Sixteen Mile Creek.

SHELBURNE: EMERALD CROSSING

Final release – 36- and 40-ft. singles The final release at Emerald Crossing is now open, discover a beautiful country landscape surrounded by every modern convenience imaginable in Shelburne’s most anticipated new home community. Enjoy a collection of 36- and 40-ft. singles available now just minutes from big brand outlets, remarkable restaurants, breathtaking greenspaces, ski hills, golf courses and much more.

Shelburne has been Canada’s second-fastest growing municipality, so there’s no better time to get in on its best new home opportunity.

Register now at fieldgatehomes.com.

Sports Centre, Whitby GO Station, Heber Down conservation area, excellent schools and more. Register now at fieldgatehomes.com.

KLEINBURG: NEW KLEINBURG

STOUFFVILLE: CITYSIDE

Phase 1 has sold out. Register now for Phase 2 – one- and two-car garage freehold townhomes, semis and 30-ft. singles New Kleinburg is a community of inspired family residences in a beautiful setting just moments from the heart of historic Kleinburg.

With the Hwy. 427 extension just minutes away, a new community school and excellent urban amenities close at hand, life in Kleinburg has never been more convenient.

Discover a remarkable collection of expansive one- and two-car freehold townhomes in this beautiful masterplanned community. Register now at fieldgatehomes.com.

Coming soon – Grand Opening of 36- and 40-ft. singles Make your Dream Home Come True in an incredible community setting just moments from Stouffville’s best amenities. Featuring a new release of 36- and 40-ft. singles, embrace city sophistication and country charm from an ideal neighbourhood located close to Markham, Hwys. 404 and 407, and the Stouffville GO Station. Register now at fieldgatehomes.com.

WEST WHITBY: WHITBY MEADOWS

Coming soon – new release of freehold townhomes, semis and singles A new release is coming soon with the Grand Opening of Whitby Meadows Phase 3. Take advantage of spectacular residences in one of the GTA’s most popular communities with all-new townhomes, semis and 36and 42-ft. detached designs. Find a master-planned community offering west Whitby’s best lifestyle near shopping, restaurants, Iroquois Park

UNIONVLLE: UNIONVILLE’S UPPER EAST SIDE

New community coming soon – freehold townhomes, 26- and 31-ft. two-car urban singles, 38-, 45- and 70-ft. estate singles Reach the height of elegance in one of Unionville’s most desired neighbourhoods with the master planned community of Unionville’s Upper East Side. A collection of freehold townhomes, 26- and 31-ft. urban singles with two-car garages, and 38-, 45- and 70-ft. estate singles backing onto Berzcy Creek and open greenspaces, while connected to Unionville’s finest amenities. Register now at fieldgatehomes.com. nexthome.ca 37

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

38 HOMES Magazine |

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 39

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 40

HOMES Magazine |

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 41

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 42

HOMES Magazine |

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 nexthome.ca 43

HOT PROPERTIES | GTA

10

9

FIND YOUR NEXT HOME

15

The latest properties in the Greater Toronto Area to keep your eye on AJAX

CALEDON

1. A Towns

9. Palgrave Estates

Bayly St. E. & Salem Rd. S. fieldgatehomes.com

Mount Pleasant Rd. & Hunsden Rd. flatogroup.com

AURORA Yonge St. & Bloomington Rd. northstarhomes.com

Old Church Rd. & Innis Lake Rd. flatogroup.com

19. Angus Glen South Village

3. Allegro

CLAIREMONT

9980 Kennedy Rd., #200. kylemorecommunities.com

11. Cresthaven Estates

20. Kennedy Manors

Brock Rd & Central Street

BRAMPTON

ETOBICOKE

4. DUO Condos

12. Lake & Town

245 Steeles Ave. W. duocondos.ca

5. Spring Valley Village Bovaird Drive W. & Elbern Markell Drive ballantryspringvalley.com

6. Three Rivers Claireville Goreway Dr. & Humberwest Pkwy nationalhomes.com

Islington Ave. & Lake Shore Blvd menkes.com

13. Boutique Towns 80 Thirtieth St. dunparhomes.com

Kenneth & Holmes fieldgatehomes.ca

OSHAWA 22. Dreamscape

14. The 900 Condo Signature Residences

Conlin Rd. & Harmony Rd. fieldgatehomes.com

900 The East Mall 9hundredcondo.ca

23. Park Ridge Conlin & Townline Rds. tributecommunities.com

Mississauga Rd. & Queen St. branthavenbrampton.com

15. New Impressions Hwy. 27 & Major McKenzie Dr. W. fieldgatehomes.com

24. Seaton

MARKHAM/ UNIONVILLE 16. Cornell Markham Bur Oak Ave. & Hwy 7 ballantryhomes.com

HOMES Magazine |

Oct. 21-Nov. 18, 2023

4

21. Kenneth & Holmes

PICKERING

501 Shellard Lane losanihomes.com

7

NORTH YORK

KLEINBURG

8. Brant West

5

4500 Major Mackenzie Dr East. kylemorecommunities.com

7. Queens Lane Townhomes

BRANTFORD

14

18. Riverwalk Meadows Ninth Line & 14th Ave. flatogroup.com

36 Klees Cres. geranium.com

6

Major Mackenzie & Woodbine fieldgatehomes.com

10. Pathways Caledon East

2. Queen’s Grove Collection

44

17. Upper East Side Unionvillle

1075 Taunton Rd. fieldgatehomes.com

8

RICHMOND HILL 25. Richlands Leslie St. & Elgin Mills Rd. fieldgatehomes.com

26. Millbrook Park Elgin Mills & Leslie St. northstarhomesinc.com

27. Park Lane Place Elgin Mills & Leslie St. northstarhomesinc.com

28. Observatory Hill Bayview Ave. & 16th Ave. myobservatoryhill.ca

29. Emerald Crossing 8854 Yonge Street fieldgatehomes.com

30. King East Estates King Rd. & Toscanini Rd. pureplaza.com

SCARBOROUGH 31. 670 Progress Ave. Progress Ave. & Grangeway Ave. fieldgatehomes.com

TORONTO 32. Lambtown Towns 2650 St. Clair West dunparhomes.com

33. 2650 St. Clair Ave W. 2650 St. Clair Ave W dunparhomes.com

11 3 37 2

22 23

30

38 18

25 26 27

20

16

19

17

35 24

28

34

36

29

1

21 31

32

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13 12

THORNHILL 34. Citylux Towns at Thornhill Woods

WHITECHURCH/ STOUFFVILLE 37. Blue Sky

Dufferin St. & Rutherford Rd. fieldgatehomes.com

9th Line & Millard St. fieldgatehomes.com

WHITBY

38. Cityside Stouffville

35. Country Lane Taunton Rd. & Country Lane countrylanewhitby.com

Tenth line & 19th Ave. fieldgatehomes.com

36. Park Vista/Whitby Meadows Cochrane St. & Taunton Rd fieldgatehomes.com

+

BUILDERS IF YOU WOULD LIKE TO INCLUDE YOUR PREVIEW REGISTRATION, NEW RELEASE OR SITE OPENING IN THIS FEATURE, JUST EMAIL THE DETAILS TO EDITORIAL@NEXTHOME.CA

nexthome.ca 45

HOT PROPERTIES | SOUTHWESTERN ONTARIO AREA

FIND YOUR NEXT HOME 1. Northshore Condo 484-490 Plains Rd. E. nationalhomes.com

2. Tyandaga Heights Burlington nationalhomes.com

11. Liberty Crossing

24. Joy Towns

Wonderland Rd. S. & Hamlyn St. sifton.com

Niagra branthaven.com

12. Middleton

Ontario St. & Drake Losanihomes.com

Wharncliffe Rd. & Exeter Rd. sifton.com

13. RiverBend Golf Community

GRIMSBY 3. Grimsby Waterfront 398 N Service Rd. losanihomes.com

2200 Jack Nash Dr. sifton.com

14. Rosewood

HAMILTONWENTWORTH 4. Soho Homes at Barton & Glover

Nissouri Rd. & Thorndale Rd. sifton.com

MILTON 15. The Valleylands

Barton St. & Glover Rd. losanihomes.com

Mayfield Rd. & Chinguacousy fieldgatehomes.com

16. Hawthorne Park 5. Highland Park Oakwood Dr. & Byron Ave. &Central Park: Midtown sifton.com & Soho Upper Red Hill Valley Pkwy & 17. Thompson Towers Thompson Rd. S & Drew Centre thompsontowers.ca

Rymal Rd. losanihomes.com

INGERSOL

MISSISSAUGA

6. HarrisView

18. Whitehorn Woods

34 Hollingshead Rd. sifton.com

KITCHENER/ WATERLOO 7. Wallaceton Huron Rd. & Fischer-Hallman heathwood.com

LONDON

1240 Britannia Rd. W. nationalhomes.com

19. Streetsville Centre Mill St. & Queen St. S. dunparhomes.com

NIAGARA REGION

20. Portview Estates 8. Victoria On The River Simcoe St. & Canal St. Sheffield Blvd. & Commissioners Rd. E. sifton.com

silvergatehomes.com

21. Luna

9. Caverhill Clarke Rd. & Kilallay Rd. sifton.com

10. Hudson Park

Hwy. 406 & 56, Thorold silvergatehomes.com

22. Harbourtown Village

Fort Erie Colonel Talbot Rd. & Pack Rd. silvergatehomes.com sifton.com

23. Hazelwood on the Grand Hardy Rd. sifton.com

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HOMES Magazine |

Oct. 21-Nov. 18, 2023

Guelph

Waterloo Kitc7hener

The latest properties in the Southwestern Ontario Area to keep your eye on BURLINGTON/ WATERDOWN

53

KITCHENER–WATERLOO

Cambridge

25. Bench Mark

22

OAKVILLE

46

26. The Greenwich at Oakvillage Trafalgar Rd. & Dundas St. East branthaven.com

27. Bronte Meadows

50

Bridge Rd & Warminster Dr. flatogroup.com

28. Upper West Side Condos 2 351 Dundas St. East branthaven.com

29. Trafalgar Ridge River Oaks Blvd. & Namron Gate dunparhomes.com

30. The Villages of Oak Park Trafalgar Rd. & Dundas st. E. ballantryhomes.com

6

36. Merritton Mills St. Catharines silvergatehomes.com

37. Woodview at Vista Ridge 4008 Mountain St., Beamsville losanihomes.com

ST. THOMAS

2714 Westoak Trails Blvd. branthavenoakville.com

38. Harvest Run

32. Boulder Creek Cleaver Rd. & King Edward St. sifton.com

33. Riverbank Estates Nirh River losanihomes.com

ST. CATHERINES 34. Lincoln Estates Lincoln Ave. & King St. losanihomes.com

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38

31. West & Post

PARIS

51

Brantford

Centennial Parkway & Elm Street dougtarryhomes.com

43. Village on the Twelve 21 Willow Bank Common St. silvergatehomes.com

44. Riverside at Hunter’s Point 300 Daimler Pkwy., Welland lucchettahomes.com

45.Shelter Cove 15 Cricklewood Cres., Nanticoke sheltercove.ca

WEST REGION

STONEY CREEK 45. St. George Village 39. Sweetberry Barton & Glover sweetberrytowns.ca

WELLAND 40. Davis Heights 1535 Haist St, Pelham. lucchettahomes.com

36. Lusso Urban Towns

41. The Residences at Hunters Pointe

Martindale Rd. & Grapeview Dr, St. Catharines. lucchettahomes.com

42. Edgewater Trails

71 Kyntre Trail lucchettahomes.com Daimler Pkwy & Magnolia Ln, ballantryhomes.com

51. Knightsbridge Graff Ave. & Mornington St. sifton.com

52. Cottonwood Dingle St. sifton.com

53. Edgewood Suites 270 Hagan Street East, Dundalk flato.com

54. Discoverie Condos 7 Central Ave Fort. Erie DiscoverieCondos.ca

Concession 2 & Woodhill Rd. losanihomes.com

47. Brant West 562 Shellard Ln losanihomes.com

48. Magnolia Trails Modeland Rd. & Michigan Lane sifton.com

49. Soleil St. Clair Corunna sifton.com

50. Expressions & Riverbank Estates 1021 Rest Acres Rd., Paris losanihomes.com

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19

LONDON

Milton

CARTOGRAPHY: MARKETMAPS.COM

Mississauga

18

14

9 26 30

15 17

42

29 31

27

13

Oakville

16

London

28

8 12 49

11 10

48

2

Burlington 1

52

Hamilton 4 39 3 5

25 34

37

21 20

32 36

St Catharines

36 34

Niagara Falls

21 23 43

31 40 41 44

33

Welland 54

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HOT PROPERTIES | OUT OF TOWN Youngs Point

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18

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S e St Hop King St

425 King St. E. masonhomes.ca

1800 2nd Ave. E. flatogroup.com

17. Parklands & The Condo Arbour Villas

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16. Greystone Village

19. Kingswood Cobourg

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415 Lakeshore Rd. masonhomes.ca

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15. Belmont

18. Port Hope Lakeside Village

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NEWCASTLE

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Oct. 21-Nov. 18, 2023

3246 Line 9 North georgianinternational.com

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HOMES Magazine |

13. Braestone Horseshoe Valley

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FIND YOUR NEXT HOME ti Pale s

Join us as we bring a relatively untouched, tired-looking 1960’s builder’s-box bungalow into the 21st century. ready-set-reno.ca PRESENTING PARTNERS

Keystone Interiors is a general contracting company in the business of providing exceptional quality in residential and commercial construction since 1983.

In our continuing Ready.Set.Reno! project series, we've partnered with a team of top renovation experts, manufacturers and industry leaders who will offer helpful insights to start you off on the right foot with your own renovation project!

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

HOMES Magazine |

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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