NovJan 16 6- Dec 15 Issue 01 12 - Feb14, 3, 2012 Volume 20
8TH ST SW
10TH AVE SW
inside INSIDE thisISSUE issue THIS
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MAKING OF A BEGINNER’S GUIDE TO CONDOSENSE INSURANCE: ASSEMBLING YOUR MORTGAGE ARRANGING A MORTGAGE WHAT YOU TERMS SHOULD KNOW HOMEBUYING TEAM
WELCOME THEFABRICS NEW YEAR MIX AND MATCH WITH A SPACE NEW ATTITUDE IN YOUR
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18 St Barlow Tr
002-Remington 10-19-12.indd 2
11/9/12 1:32:05 PM
5 NEW MODELS
WALKING DISTANCE FROM: SOUTH HEALTH CAMPUS, SHOPPING, DINING AND MORE!
TWO BEDROOM CONDOS
THREE BEDROOM TOWNHOMES
*Based on 2007 - 2011 CHBA Statistics
SALES CENTRE HOURS 302 CRANSTON RD. S.E. T: 403.457.2670 MONDAY - THURSDAY: 2-8 PM FRIDAY: CLOSED WEEKENDS & HOLIDAYS: NOON - 5 PM For more information and registration Call Judy-Lynn Lavelle 403-457-2670
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table of contents
November 16 to December 14, 2012 volume 15 issue 12
mark on 10th
Luxury condo in the Design District
columns, news & features
008 editor’s note Columnists
020 contemplating condominiums Choose a Realtor who understands condos by linda palfi
052 home smarts Assembling your homebuying team
by marnie bennett
in the news
016 housing market Calgary housing market showing no signs of slowing
036 style file Get friendly with fabrics: how to mix and match
009 cover story Qualex-Landmark makes MARK in the Beltline
030 survey Insurance products remain a mystery to Canadians
040 insurance needs How to avoid big problems in small spaces
028 condo profile Avi Urban launches two new projects in southwest Calgary
046 debt poll More Canadians are debt-free in 2012
by yanic simard
BY HEATHER RYAN
BY heather ryan
053 Homebuyers’ Help Condo Buyers’ Resource Section 057 INDEX
28 Vice-President, Wall2Wall Media
Jacqueline Hill Editor-In-Chief
Susan Legge Editor
Janine Druery Lydia McNutt (on leave) Art Director
Daiana Garay Design Editor
Yanic Simard Media Consultant
Natalie Houghton 587.226.1313 Contributing Editors
Wayne Karl Elisa Krovblit Silvana Longo Sara Duck (on leave) Production Manager
Greg Van Sluytman Graphic Designer
Viosa Barileva National Account Manager, Mediative
Paul Slizys Published By
2891 Sunridge Way N.E. Calgary, AB T1Y 7K7
Copyright 2012 Copyright covers the contents of this publication and prevents reproduction in whole or in part; offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The publication, the publisher and the printers shall not be responsible for any typographical errors, mistakes, misprints, spot colouring or any information or lack of information furnished by the advertisers. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. Advertising rates
T 587.226.1313 email firstname.lastname@example.org Circulation Copyright covers the contents of this
publication and prevents reproduction in whole or in part; offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The publication, the publisher and the printers shall not be responsible for any typographical errors, mistakes, misprints, spot colouring or any information or lack of information furnished by the advertisers.
Editorial Submissions from interested parties will be considered. Please submit to email@example.com
The views and data expressed by columnists do not necessarily represent those of the publication. The homeTRADER & Design are trademarks of Apax Partners LLP, used under license.
Please recycle this magazine! Wall2Wall Media participates in the Partnerâ€™s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.
THINK YOU CAN’T AFFORD A HOME? Think again.
Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on facebook search: Condo Guide
Much like that bank commercial that says, “you’re richer than you think,” a new home may be more affordable than you originally thought. Perhaps you only need to change your definition of “home” to get into the market. While a detached home is the traditional choice for many, highrise and lowrise suites, lofts and townhomes have become a prime choice among first-time buyers and empty nesters in the market for new place to call home. Not only does condominium living afford you the opportunity to live in a prime neighbourhood at a great starting price, when it’s time to move you can often opt to remain in the same neighbourhood, since many
buildings and townhome communities offer a mix of designs and sizes, which allow families to relocate easily without having to change jobs or schools. Today’s communities generally have a range of sizes and prices that start at the “affordable” end of the price spectrum. This fall, many builders and developers are gearing up for their grand openings or have suites available for quick occupancy. It’s an exciting time to be shopping for a new place, so don’t miss this excellent buying opportunity. Have a look through this issue and see what you think. The home of your dreams is waiting.
ABOUT INSURANCE According to a recent survey conducted by Desjardins Group (desjardinslifeinsurance.com), most Canadians are sorely lacking in their knowledge of insurance products – including home insurance (please see story on page 30).
Wall2Wall Media Janine.Druery@wall2wallmedia.com Follow me on Twitter at Twitter.com/JanineDruery
Some of the main findings of the survey are as follows: ›› One-third of respondents have either chosen or refused a mortgage insurance product offered by a lending institution, without assessing their finances or comparing costs with other products on the market. ›› Only 44 per cent knew that not all insurance policies come with surrender value. ›› Just 45 per cent knew that water damage is the most common type of claim filed by homeowners.
08 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
›› Close to 40 per cent of those with home insurance didn’t keep lists, sales slips or photos of their most valuable assets that would help them submit a claim in the event of a loss. Are insurance companies not doing a good enough job educating people about the importance of insurance, or are a lot of people just not that concerned? Maybe it’s a bit of both? Whatever the case, it seems clear that most of us have to start taking a more active interest in insurance if we want to protect ourselves, our families and our homes. In this issue of New Condo Guide, we focus on home insurance and what homeowners need to know. Of course, reading about it won’t get you completely up to speed on the topic. To the mix, you’ll need to add research, financial planning and likely a meeting with an insurance representative. But it’s a good start.
QUALEXLANDMARK MAKES MARK in the Beltline // BY HEATHER RYAN QUALEX-LANDMARK IS MAKING ITS MARK in Calgary’s emerging Design District with its newest high profile downtown condo development called MARK on 10th. Located in Connaught at 10th Avenue and 8th Street S.W., MARK on 10th is a distinctive 34-storey, 270-suite condo project that offers luxurious urban homes with secured underground parking and outstanding amenities starting from the low $200’s.
“MARK on 10th is purposely built for today’s urban dweller because of its proximity to the downtown Design District, offices, universities, transportation, and entertainment districts,” says Qualex-Landmark president Roger Navabi. “We are redefining the urban home by adding amazing amenities like the rooftop lounge and the generous garden on the third floor podium into the mix.” The expansive third-floor garden, which is inspired by traditional and contemporary landscape design from east and west, will be one of the largest residential highrise common gardens in the city. Residents will enjoy relaxing in the garden that will include open lawn areas for passive recreation, overhead shade trees and a fully accessible pedestrian pathway network with lounge seating. Or, they can head to MARK’s outstanding rooftop amenity that features a private members club,
“WE ARE EXCITED TO ANNOUNCE THAT DOUGLAS COUPLAND IS CREATING ARTWORK FOR MARK ON 10TH,” SAYS NAVABI. fitness facility and glass mezzanine lounge with panoramic views of downtown and the Rockies. Outside, there are plans for an elevated hot tub, sunbathing patio with seating, lounge area with outdoor barbecue and a raised fire pit. Qualex-Landmark also places a special emphasis on infusing art into its common spaces, so MARK will feature Alberta’s first large-scale art commission by Douglas Coupland, an internationally renowned Canadian novelist, visual artist and designer. His work has been published in 30 countries and translated into 22 languages. His first novel in 1991 was Generation X: Tales for an Accelerated Culture. He has published 13 novels, a collection of short stories, seven non-fiction books and a number of dramatic works and screenplays for film and television. “We are excited to announce that Douglas Coupland is creating artwork for MARK on 10th,” says Navabi. “Commissioning an artist of his stature to create an art piece for MARK enables Qualex-Landmark to play a role in developing the emerging Design District that is energizing this area of Calgary’s downtown.” Conceived by award-winning designers Rafii Architect in partnership with BKDI Architects Inc. and Durante-Kreuk Landscape Architects, MARK is a mixed-use high-rise tower with residential suites and a selection
10 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
Author Douglas Coupland Photo BY:
Brian Howell 2012
of retail services to meet residents’ needs and complement local conveniences. Innovative interiors are created by renowned interior designers at Trepp Design Inc. and incorporate a multitude of design features inside and out. Residential suites offer one- and two-bedroom designs with top quality features such as over-height doors and ceilings, expansive energy-efficient window-walls, wide plank wood-laminate flooring, elegant porcelain tiles and individually controlled heating and cooling. Other incredible interior features include stainless steel appliance package, quartz countertops, glass mosaic tile backsplash and soaker tubs. Residents can also choose between two distinctive colour palettes. With its enviable location in the heart of the Design District, residents will appreciate the walkability factor – being able to access most amenities, such as groceries, restaurants and services without having to get into the car, plus they have easy access to downtown for work and trendy 17th Avenue.
“We are excited to officially launch MARK on 10th,” says managing director Mohammed Esfahani. “Homebuyers can now learn more about MARK’s amenities, its breathtaking views and its luxurious homes at accessible prices.” Since 2004, Qualex-Landmark has been building high-rises of exceptional quality in Calgary, inspired by four words: commitment, integrity, respect and passion. It began with Stella in 2004, and was followed by Nova in 2006, Luna in 2009, and Calla currently under construction — all in the Beltline. MARK is the fifth Calgary condo development from QualexLandmark, which will celebrate its 10th anniversary in Calgary in the coming year. For more information on MARK on 10th, at 901 10th Ave S.W., or to register online, visit qualex.ca/mark or call 403-244-2428. www.hometrader.ca | Volume 15 issue 12 | NEW Condo Guide 11
yOu’ll alwayS REMEMbER yOuR FIRST.
RIVERFRONT dOwNTOwN CONdOS FROM ThE MId $200,000s. ONly 5% dOwN*
Sales Centre 553 Riverfront Ave SE, 403.263.8144 liveherefirst.com
*On approved credit. 5% cash down plus 5% in bond. Processing fee and bond cost paid by developer. Ask sales rep for details. Prices shown do not include GST and are subject to change without notice. E&OE. Illustration is artist’s impression.
inner city 05 L una by Qualex-Landmark Group of Companies
RILEY PARK VE 4A
6 AVE N
5 AVE N
1120 - 10th Avenue S.W.
06 u no in mount royal BY maple projects show suite now open
PRINCE’S ISLAND PARK
836 Royal Ave S.W.
07 d rake by grosvenor
EAU CLAIRE04 MARKET
Visit Sales Centre at 2nd Floor, 850 - 16 Avenue S.W
08 P IXEL by Battistella
4 AVE S 5 AVE S
9A St and 2nd Ave NW www.battistella.ca
6 AVE S
9 AVE S
MOUNT ROYAL VILLAGE
TALISMAN SPORTS CENTRE
4 ST W
5 ST W
10 ST W
26 AVE S
01 Riverfront Pointe by CARLISLE group
101 Riverfront Avenue S.E.
02 m ark on 10th -coming soon by qualex 901 - 10th Ave S.W.
VICTORIA PARK / STAMPEDE STATION
17 AVE S
23 AVE S
1 ST W
2 ST W
COLONEL BELCHER HOSPITAL
11 1 ST E
4 ST W
11 AVE S 12 AVE S
5 ST W
8 ST W
10 ST W
GREYHOUND BUS TERMINAL
09 S olaire By La Caille Group
888-4th Ave. SW Presentation suite 912-5th Ave. SW www.solaireliving.ca
10 c alla By qualex landmark group of companies 14th Ave. & 6th Street SW
220 12th Ave. SW
CALGARY EXIBITION AND STAMPEDE PARK
12 st. johns tenth street by streetside
ERLTON / STAMPEDE STATION
13 F IRST by FRAM + Slokker
10th St. & 3rd Ave. NW
East Village, Calgary, AB
26 AVE S
03 TRIBECA by BUCCI developments 1905 4th Street S.W. www.tribecamission.com
04 W aterfront by Anthem Properties 216 Riverfront Ave. S.W.
14 6 th & tenth coming soon by lamb development corp. 15 t he block by avi urban
Sales Centre 1022 17th Ave. SW
16 steps by sturgess
Coming soon to Bridgeland
17 n ext by bucci
Show Suite 921 1st Ave. NE
www.hometrader.ca | Volume 15 issue 12 | NEW Condo Guide 13
marke t mar t s with
Exactly one year ago I wrote the first of a two part series on CSG’s initiative to purchase rental properties in Phoenix, Arizona using many of the same real estate shopping principles we advocate in these columns. I stated then I would print an update one year later to evaluate how things went. If you fast track back then, it was probably the bottom (or very close to it) of the US housing crisis. We began researching and exploring Phoenix in November 2010 to determine if there was a chance of capitalizing on depressed market conditions. Of course it was a lot of hard work and learning but the best investments usually are. We acquired only properties that fit a preferred location based on analysis of the overall market. We reviewed family formation types, population growth, employment growth (that was pretty tough to find at the time), housing quality fundamentals, amenity development and crime statistics. Not much different than how you should be selecting an area in Edmonton to make the best home investment to satisfy your needs. We selected a product that would be great for rental to a large population segment under regular market conditions and our budget parameters. We settled on 3 - 4 year old townhomes with single or double garages from $45,000 to $55,000. (Yes, those were real prices at the time) Again, no different than how you should define a product to fit your lifestyle and budget thresholds. Visit as many show homes and sales centres as possible, so you can evaluate the best home for your needs and compare the value of each in detail. Every seller and situation is different, even in the new home or condo industry. Finally we made four shopping trips and worked hard evaluating each property and their sellers situation. And, we looked at dozens and dozens of properties. Most were unsatisfactory for some reason but a dozen fit our profile. This is key to finding a great investment. Visit as many show homes and sales centres as possible, so you can evaluate the best home for your needs and compare the value of each in detail. Every seller and situation is different, even in the new home or condo industry. Then we made offers – usually about 7% - 15% below list price which we felt guilty for at those prices. But, it’s part of the process. One offer was accepted outright, 4 were countered at less than list, 6 were countered back at list and one was actually countered back at higher than list. The excitement and disappointment of making a good deal had begun and eventually 14 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
There Are Lessons To Be Learned Here
successful closings occurred. It’s important that you find the “right” potential properties and then create leverage for yourself through comparables and try to negotiate price or contents. Fast forward to November 2012 and there have been four straight months of “positive” news on US housing. In fact, Wells Fargo, Goldman Sachs and Citigroup have each announced a housing recovery is underway. Phoenix’s conditions have improved dramatically and we are happy with our purchases. The homework and effort was well worth it, not only today but over the next five to 10 years that we hold these properties. The story is illustrative of a good home shopping approach, regardless of what you’re buying. It needs to be detailed, measured and analytic to find and secure your preferred home and be rewarded with a smart future investment. There’s lots of talk in Canada today about housing markets, corrections, over valuations and so on. We are fortunate to live in Edmonton, the countries second best market next to Calgary (sorry it’s a fact). If most forecasters are right we’re in good and growing market conditions for the next two to three years. So, if you’re looking for the physical and financial comfort of a new home or condo, now may be your best time to do some home work and press forward. Like us in Phoenix, there’s no guarantees for the future. But, do your homework and stick to the parameters that make sense for you. Things can change a lot in just a year so don’t keep sitting on the sidelines. Our purchases have turned out very well and I expect your new home shopping experience – if performed in a similar fashion – will yield the same results. Good luck and go shopping. Follow CSG on Facebook or Twitter for regular real estate opportunities and updates. All of Jim’s columns are posted on CSG’s blog at marketsmarts.net.
Jim Malner is President of Consumer Strategies Group (CSG), Alberta’s longest serving, professional, real estate marketing consultancy with offices in Edmonton, Calgary and Vancouver.
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www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 15
CALGARY HOUSING MARKET
does not show signs of slowing
CITY OF CALGARY SALES ACTIVITY marked a 23-per-cent increase over levels recorded in October 2011. The continued improvement in sales has pushed year-todate sales activity to nearly 16 per cent above levels recorded last year. “Relative to national trends, we continue to move in the opposite direction, recording both sales and price growth,” says CREB President Bob Jablonski. “However, despite the higher than anticipated sales growth this year our market is not overheating, simply returning to levels consistent with long term trends and prices still have not fully recovered after the last recession.” Sales improved over 2011 levels across all housing types in the city. Apartment condominium sales have been on the rise, with year-to-date sales nearly 12 percent higher than last year. Single-family sales growth has been the strongest, with almost 17 per cent more yearto-date sales this year compared to 2011. New listings within city limits totaled 2,312 for the month, a nine per cent decline over October 2011 levels. The decline in new listings relative to sales has continued to reduce total inventory levels across all sectors. However, because this is a less active period in real estate, the months of supply remains within balanced levels. The strong demand for homes relative to the supply levels has caused some significant increases in the price of single-family homes this year compared to 2011. As 16 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
of October 2012, the benchmark price for a single-family home was $433,300, an eight-per-cent increase over the previous year. While there has been significant recovery in Calgary home prices, typical unadjusted home prices have leveled off remaining relatively unchanged over the past four months, and remain below the highs recorded in 2007. Condominium apartments recorded a benchmark price of $247,000 in October 2012, losing some ground over the previous month, but still higher than the previous year by three per cent. While, on average, condominium apartment prices have fallen more than risen since 2007, condominium prices this year have recovered to levels comparable to 2010. After the first 10 months of the year, condominium townhouse sales totaled 2,279, 16 per cent higher than last year. The benchmark price for a townhouse in October was $279,000, a three per cent improvement over October 2011. “At the end of last year, the Calgary economy was growing and continued to post job growth,” said Ann-Marie Lurie, CREB’s chief economist. “However, global economic uncertainty was increasing, impacting overall consumer confidence and contributing to a significant amount of caution in the resale market. “While many of these global economic risks remain this year, consumers’ concern regarding the impact on our economy has lessened. Calgary has continued to record relatively strong economic, employment and migration growth. This, combined with improving affordability, has encouraged consumers to purchasing real estate in Calgary.”
All this for $246,900 and All this for 225K and it includes parking. it includes 403.264.1703 drake17.com Show suites located at 850 – 16th Ave. SW Open 12-6pm Mon-Thurs, 12-5pm Weekends. Closed Friday. *See a sales representative for details. E & O.E.
Here’s what you can do to Recycle, Renew and Reuse • Keep your car in good working order. Tune-ups and filter changes cut down on exhaust emissions, and you’ll get better gas mileage. When you change your oil, take your used motor oil to a recycling centre. • Use available transit alternatives. • Separate your garbage. Glass, aluminum, paper and even plastic can be recycled. If a recycling program is not directly available to you, contact your municipal sanitation department. • Donate reusable clothing and linens to charity. Most pick-up regularly in your area. • Become environmentally active in your community. You can make the world a better place to live... now and for future generations.
www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 17
18 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
northeast communities 05
04 Galleries Renfrew by ASSURED HOMES
TR A PI
03 indigo sky at saddleridge by carlisle group
68 Street NE & 80 Avenue NE
1116 Renfrew Drive NE
03 80 Ave
05 Coventry Station by HUNTER RESIDENTIAL DEVELOPMENTS
CALGARY INTERNATIONAL AIRPORT
Skyview Ranch Rd & Skyview Ranch Dr
08 h ighland park By stonecroft
4303 - 1st Street NE
10 indigo sky at tara lake By carlisle group
Sales Suite 68 Street & 80 Avenue NE
11 KINTALLA By STREETSIDE DEVELOPEMENTS
07 a rrive @ SKYVIEW RANCH By PARTNERS DEVELOPMENT Group
6 Saddlelake Place NE
01 MEMO 02 R IAL D 09
150 Redstone Grove NE www.kintalla.com
114 AVE SE
OOT T RA
Mac D LEO
LOR IS OF
EVIT S McK JAME
EK P ARK
06 Saffron By Genesis Builder’s Group
13007 Coventry Hills Way NE www.coventrystation.ca
CRI J OW OHN CH L ILD AUR IE TR BLV AIL D.
FA L RID CON GE
NOSE HILL PARK
SH AG AN
921 - 1st Ave N.E.
HIL NTRY COU
COUNTRY HILLS BLVD.
FO OT TR AIL
VD. LS BL
02 n ext by bucci developments
13007 Coventry Hills NE CHAPARRAL
ABURN Two Bedroom, Two Bathroom Townhomes over 1150BAY sq. ft. CRANSTON From the low $200s Located in the established community of Coventry Hills
587-896-6107 www.hometrader.ca | Volume 15 issue 12 | NEW Condo Guide 19
// Linda Palfi
ChoosE a Realtor who knows condos
Linda Palfi is a condominium-specialist Realtor with Discover Real Estate. She has overseen many condo projects as the chair of her condo board and is a member of the professional standards committee at the Calgary Real Estate Board. Further articles and her Calgary Condo Directory can be found online at CondosInCalgary. com or call Linda for more information at 403.998.7732
hether you’re buying or selling a condominium home, you deserve professional service from a Realtor who specializes in the field. Using the right Realtor could get an owner a sale in a slow market, such as wintertime, and could ensure that a condo buyer gets good value and buys only in a well-run condominium development.
Let’s start with those who are selling, and point out how many sellers are under-served when their condo home is marketed. While Realtor.ca, formerly MLS.ca, is a powerful marketing tool, used online by thousands of Canadians daily, it’s not half as powerful if there are no photos of the home beyond the building’s front door. No seller should be satisfied with their listing on Realtor.ca without numerous photos showing the layout and the light that their home offers. Further, those photos should appear on a condominium website in addition to Realtor.ca. There are a handful of these in Calgary, and the locals are watching them for listed condo homes in specific neighbourhoods and even in specific buildings. If a Realtor doesn’t have such a site, or an affiliation with such a site, you might be waiting longer than necessary for an offer to buy your property. In some cases, a condo-specialist Realtor can bring seller and buyer together before even listing the property, simply through all the contacts and familiarity the Realtor brings to the table. There are also issues a qualified Realtor can address, such as confirming the status of your parking and assembling the condominium documents that you might not have on hand. Some readers will remember my example of the sale that fell apart because the condo owner didn’t own the titled parking stall. A good Realtor will discover this early and deal with it in advance of the sale. A condominium home shopper has many concerns that are best addressed by someone who specializes in the field. When considering housing options, for example, one Realtor will only know of houses, while the condominium Realtor will be able to summarize various condo buildings, townhouse developments, price ranges and lifestyle choices, all before you even go on the road to see them! Specialized Realtors might also know of the perfect condo home that’s not yet on the market, so you’ll have first dibs on it. Both the seller and buyer like the convenience of being brought together without listing, marketing, dozens of viewings and perhaps weeks of delay. (You can read my column on this topic at condosincalgary.com) Lastly, buyers are best served by a condo-specialist Realtor who does not hurry them into their purchase decision. By the time you make an offer you should know why you’re buying, what you’re buying, and why you’re paying what you’re paying. Be patient with yourself and require that your Realtor be equally patient. You’re buying a home and a major investment, not a blouse or a car. In summary, condo sellers and buyers should demand more from Realtors. Sellers deserve multi-photo and multi-website marketing, and access to buyers who need condominium homes. Buyers deserve a Realtor who doesn’t rush them, who knows the condo marketplace and who likely lives in a condominium home him/herself.
20 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
HOmeS frOm StateSman.
Personality from you. Villas • Vistas • Views
The Landings is all about modern living - beautiful views over The Bow River Valley, high end finishing’s and maintenance free 2 & 3 bedroom Luxury Villas and Vistas built to the unrivalled high standard you’ve come to expect from Statesman.
Contact Us: Phone: (403) 262-5070 Web: cougarridgelandings.com
Visit Our Sales Center: 771 Patrick Street SW, Calgary, AB T3H 4B9
22 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
SHOW HOme nOW OPen
Developing Calgary for over 36 years
BLV GE D.
HIL L NO SE
AIL EY TR STON
SH AG AN
NOSE HILL PARK
HN CR LA OW UR IE CH BLV ILD D. TR AIL
CALGARY INTERNATIONAL AIRPORT
OLD BANFF COACH ROAD
IV E 02 SILVERADO
Silverado Way & Sherrif King Rd
03 OVATION BY INTERGULF CIDEX
#2105, 99 Spruce Place S.W.
1020 194th Ave S.W. www.hunterhouseliving.com
ELBOW DRI VE
01 HUNTER HOUSE BY STREETSIDE DEVELOPMENT 16 AVENUE
ME M O R I AL
16 A V
04 SANDERSON RIDGE BY MEDICAN
2330 Fish Creek Blvd S.W.
06 SAWYER SILVERADO COMING SOON
BY Avi Urban
SOUTHLAND DRIVE ANDERSON ROAD
10 VICTORIA CROSS BY AVI URBAN
132 Victoria Cross Blvd. S.W.
11 CURRIE BARRACKS BY CANADA LANDS COMPANY
J5, 2953 Battleford Ave. S.W.
12 EIGHTY5NINE Coming Soon
BY VERTICAL PROPERTIES
AIL D TR LEO SHERIFF KING ST. SW
McKE 02 01 06
836 Royal Ave S.W.
EK P ARK
07 UNO IN MOUNT ROYAL BY MAPLE PROJECTS SHOW SUITE NOW OPEN
RNE OF LO
THE ENCLAVE AT CASTLE KEEP BY AVI URBAN
9310 14th Ave. SW
14 VALMONT AT ASPEN STONE
35 Aspenmont Heights SW
15 TRIBECA BY BUCCI DEVELOPMENTS 323 20th Ave. SW
16 EINSTEIN BY PROVIDENCE GROUP 1521 35th Ave. SW COMING SOON
Prime Chaparral Valley Location Near the Bow River Live Near Natural Green Space – back onto park or ponds
3 BEDROOM TOWNHOMES from the $260’s +GST 2 TOWNHOME MODELS NOW OPEN! 121 CHAPARRAL VALLEY GARDENS DR SE
WWW.CARDELLIFESTYLES.COM/CALGARY/RIVERSIDE www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 23
ASE OF ES TO S YOU DOOR E YOU NSIDERAMILY TS ALL COMES E ENVI-
YOU DESERVE BETTER (and Don’t Even Know It!)
eing a Building Science & Sustainability geek (yes, I am a geek) doesn’t have too many perks. We aren’t known for being brilliant conversationalists at parties. Oddly enough not too many people want to know about the perfect building envelope or the latest developments in heat pump technology. But once a year we gather with more of our kind (insert “nerd herd” joke here) and discuss the latest developments in our industry. Such an event was held last month in Phoenix. Now, it was my plan to write on another topic this month, (a truly brilliant piece of prose I’m sure), but that all changed with a session I attended at our conference. Paul Cardis is the CEO of Avid Ratings—not exactly a household name—but if you purchase a new home in North America, chances are you will see some of their work. Avid is a marketing research company and the majority of builders that use a service like theirs, work with Avid. Avid measures customer satisfaction with the product they have purchased—in this case, your new home. Paul’s presentation was based on data from hundreds of thousands of surveys completed North America-wide since 2010. Avid’s research indicates that the vast majority of consumers (over 75%) are satisfied with the energy efficiency of their home. Furthermore, almost the same majority believes that the building code is a good standard to build to. It was evident to everyone in the room at the time that the North American consumers don’t know that they should expect and receive better! I want to be clear on one thing right from the start: the building code is a minimum set of standards that describes how a house can be built. It is not, by any description, a quality standard. If you are counting on the building code to guarantee you a quality home, you will be horribly disappointed. The Building code is concerned with 3 primary objectives: fire, safety and health. Environment is currently on the table as an addition, but its inclusion is at least a year away. The point I want to make here is that it is a minimum standard. You are spending a lot of your current and future hard-earned money on a home—don’t you think you deserve something better than the minimum standard? If you are spending $1000–$1500+ per month on a mort-
gage payment, is an extra $25–$30 too much more to improve the quality of your home? If not, then ask your builder what they do that goes beyond the building code. Ask what options they provide to improve the overall quality of the home. The current Building Code doesn’t even really address energy efficiency. There is a small bit around minimum insulation levels and window performance, but these have remained largely unchanged since the 1980s. Minimum performance levels for furnaces and hot water tanks are not stipulated in the code directly—manufacturers have driven the improvements here. Consumers in the survey thought that all builders were building “green”. Nothing could be further from the truth. If you’re interested in sustainable development, demand third party verification. The cost is minimal and within 5–6 years home sellers will have to provide this to people buying a resale home anyway. I don’t want anyone to get the wrong impression here. Alberta builders produce some really good quality products—but you can get better. The building industry is just a reflection of its market. We build what the consumer asks for. If the consumer asks for a better quality, more sustainable home, we will happily build it. Please ask. You deserve it.
Product Development Manager Landmark Group
EnErgy EfficiEncy should comE standard. With us, it does.
| Volume 042NEW 24 NEW Condo CONDO Guide GUIDE | VOLUME 20 ISSUE | www.hometrader.ca trader.ca 15 issue 12 | 12 www.home
www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 25
ONLY 5 OPPORTUNITIES REMAINING
WITH 2 CAR ATTACHED GARAGES
STARTING FROM THE
SHOWHOMES NOW OPEN
AUTHENTICALY URBAN. Located in the prestigious inner-city community of Currie Barracks, life at Victoria Cross is all about distinctive living, fresh new spaces and an unmatched lifestyle. Discover Calgary’s most unique townhome opportunity at
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34 Evansview Road NW | 403 536 7290
403 536 7230 | 132 Victoria Cross Blvd. SW
life d an unity at
launches two new projects
in southwest Calgary // By Heather Ryan
vi Urban is building on the success of its recent townhome and condo projects with the launch this month of two distinctive new offerings in two vibrant southwest Calgary communities. Located in Walden on Walden Drive, just steps away from shops and local amenities, Edison will be comprised of 156 three-storey townhomes with double-car attached garages, starting at an amazing price point in the mid-$200’s. “Edison at Walden is the next generation of all the things we’ve learned from our past successes,” says Charron Ungar, president of Avi Urban, the multi-family division of Homes by Avi. “It’s the culmination 28 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
of years in research and feedback from our Avi Urban homeowners.” For Edison, Ungar says they have brought together a “highly detailed and innovative architectural design with a studied approach to the latest trends and finishes. We are creating what I believe will be Calgary’s most stunning example of a highly livable and extremely attractive townhome development.” The townhomes will range from 1,130 to 1,400 sq. ft. and be designed based on the success of Avi Urban’s The Enclave at Castle Keep offering nine-ft. ceilings on the main floor and incredible standard features such as full-height tile backsplashes and extended height cabinetry. Buyers will also be able to mix and match finish options inside and enjoy a fully landscaped central park, an Avi Urban signature in many of its developments. “A highly functional yet stylish selection of home plans combine with amazing specifications at Edison,” Ungar says. “We have ensured the designs reflect the latest interior design trends in combination with
maximum value and functionality. The townhomes at Edison will prove to be both highly innovative and affordable.” Buyers also benefit from having neighbourhood conveniences nearby at the Gates of Walden, which includes various shops, services, a local pub and a grocery store expected to be added in 2013, plus they have easy access to Macleod Trail and Hwy. 22. For more information and to register, visit aviurban.com/edison. Set in the heart of the established community of Silverado on Silverado Boulevard, Sawyer will be comprised of 138 apartment-style condos in three buildings. Starting with a very affordable price point in the mid-$100’s the Sawyer condos will offer various floor plans ranging from 650 to 1,000 sq. ft. “Avi Urban has been active in the downtown condo market. Taking experiences and knowledge from this market, we’re able to bring this inner-city perspective to south Calgary with Sawyer Silverado,” Ungar says. “We are excited to have the opportunity to offer this innovative and fresh product perspective to our buyers,” he says. “We believe that our urban take on this product will bring together the benefits of affordability and established south Calgary amenities with the latest design concepts and building technology.” Designed as a perfect fit into the established community of Silverado, homes at Sawyer feature underground parking and finishes that are anything but standard, including oversized windows and flat panel cabinetry. Again, buyers can mix and match Edison
finish options for their interiors along with being able to choose the colour of their front door from five stylish selections. Sawyer’s three buildings will be arranged in a U-shape to allow for the creation of a beautiful landscaped circular courtyard featuring almost 250 trees. Silverado also offers a great location with easy access to Hwy. 22 and Macleod Trail. Residents can enjoy neighbourhood conveniences at the Silverado Marketplace that includes shops, services and a grocery store, and it’s just minutes from fabulous Spruce Meadows. Visitaviurban.com/sawyer to register and receive all the details.
INSURANCE PRODUCTS REMAIN A MYSTERY to Canadian consumers
A RECENT SURVEY CONDUCTED BY DESJARDINS GROUP as part of its Personal
Finance Index found that most Canadian consumers know very little about insurance products. To measure their general understanding of these products, eight personal money management questions were added to this year’s survey. The results indicated that:
// Only 44 per cent knew that not all insurance policies come with surrender value // Thirty per cent did not know whether their credit card came with travel insurance, whereas 32 per cent knew it did but knew little about the coverage itself.
In terms of other types of insurance, a third of respondents have refused a mortgage insurance product offered by a lending institution, without first assessing their financial situation or comparing costs with other mortgage insurance products available on the market. And less than half of the respondents showed a real understanding of how they were protected by their home insurance.
What’s the best way to start improving personal ﬁnancial habits and to learn more about insurance? One way is to sit down with a ﬁnancial advisor or an insurance representative. These results indicate that there remains a gap in the public’s understanding of personal finance. We asked Reh Bhanji, an insurance expert from Desjardins Financial Security for his assessment. “Clearly, there is still much we can do as financial advisors to help Canadians improve their financial knowledge,” said Bhanji. “Of course, some people are uncomfortable to talk about money, but it actually can be fun. We have tools that help illustrate different scenarios which can help reignite a person’s enthusiasm towards their finances and insurance coverage. And it’s actually very important because it allows you to better manage life changes like a new addition to the family, a new home, a new job, etc.” What’s the best way to start improving personal financial habits and to learn more about insurance? One way is to sit down with a financial advisor or an insurance representative to discuss your current life, health and disability insurance needs. A properly trained representative will then suggest a suitable product that offers the best protection. You may be interested in trying the online self-evaluation tool available on the Desjardins 30 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
Group’s Co-opme Program website at desjardins.com/co-opme. And here are two brief descriptions of some life insurance products to help get you started: › Permanent life insurance can be adapted to long-term goals and premiums can be paid as fixed amounts for the entire coverage period, in instalments or in full in a certain number of years. › Universal life insurance is very flexible and totally conforms to your needs because you can add or remove features and increase or decrease premiums at any time. The savings component can be accessed anytime, barring any restrictions attached to the investment type, making this an ideal emergency or retirement fund. For more information about these and other insurance products, visit the insurance product section of the Desjardins Financial Security website at desjardinslifeinsurance.com. NC
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CALGARY’S SATELLITE COMMUNITIES 22
103 - 5th Avenue, West, Cochrane, Alberta
05 STONE CREEK LANDING BY CARLISLE GROUP 06 CHESTERMERE TOWNHOMES BY SLOKKER CANADA WEST
#300 Marina Drive, Chestemere
07 COURTYARDS OF KINGS HEIGHTS STRATHMORE BY MERGE DEVELOPMENTS
1 #4 Kingsland Close N.E.
797 LANGDON 08
08 HOMESTEADS BY ALDER CREEK HOUSING COMPANY Langdon, Alberta
09 THE VILLAGE BY CALBRIDGE HOMES
3102-15 Sunset Square Cochrane, Alberta
10 SUNSET POINTE BY CALBRIDGE HOMES
302 Sunset Pointe Cochrane, Alberta
11 THE EDGE BY STREETSIDE DEVELOPMENTS
604 East Lake Blvd N.E. Airdrie, Alberta
12 CONCEPT BY JAYMAN MODUS
201 Sunset Drive, Cochrane, Alberta
01 RIVERSTONE AT COCHRANE BY SLOKKER CANADA WEST INC.
03 PENNCROSS BY STREETSIDE DEVELOPMENTS
02 CREEKSIDE VILLAGE - AIRDRIE BY CARLISLE GROUP
04 LAREDO PLACE BY TRICO HOMES
240 Riverview Drive in Cochrane
8th & MacKenzie Way Airdrie, Alberta
127 & 129, 1 Crystal Green Lane, Okotoks, Alberta
13 HEARTLAND TOWNHOMES LETHBRIDGE BY EXCEL HOMES 1178 Clydesdale Way, Cochrane, Alberta
112 - 28 Heritage Drive Cochrane, Alberta
www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 33
SYMONS VALLEY RANCH
SAGE HILL DR NW
SAGE VALLEY DR
N Symons Valley Rd Beddington Trail NW
SAGE VALLEY RD NW
144 Ave NW
THE COMMUNITY OF
PANORAMA HEIGHTS NW
NW rail ey T n o St
AIL TR AP I SH
AG AN N
HIL LD R. NO
JO HN CR LA OW UR 14 IE CH BLV ILD D. T R 08 AIL
IL FO OT TR A
37 Kinlea Way NW
11 PIXEL BY BATTISTELLA
CALGARY INTERNATIONAL AIRPORT
1120 Kensington Road NW
12 ST. JOHN’S 10TH STREET IN KENSINGTON BY STREETSIDE 10th Street & 3rd Avenue NW
AveSAGESTONE 32 13 BY GREENVIEW DEVELOPMENTS
livesagestone.com 16 AVENUE
14 UNIVERSITY CITY BY KNIGHTBRIDGE BRENTWOOD LRT
ME M O R I AL
15 THE GROVES OF VARSITY BY STATESMAN HOMES 5353 Crowchild Trail NW
16 COVENTRY STATION BY HUNTER RESIDENTIAL DEVELOPMENTS
03 RED HAUS BY STREETSIDE
ELBOW DRI VE
118 - 30 Royal Oak Plaza N.W.
02 HAVENSWORTH BY COURTENAY GROUP
04 SWAN LANDING BY SWAN GROUP
14th Street N.W.
13001 Coventry Hills Way www.coventrystation.ca
500 Rocky Vista Gardens N.W.
17 BROWNSTONES BY GENESIS BUILDERS GROUP
16 Sage Meadows Circle NW
18 SONOMA AT SAGE HILL BY VERTICAL PROPERTIES
10 PROSPECT RISE BY AVI URBAN
GLE 01 PANORAMA WEST NM ORE BY CARDEL LIFESTYLES T
175 Panatella Hill NW
25 Evanspark Way NW
OLD BANFF COACH ROAD
09 EVANSTON SQUARE BY STREETSIDE
881 Sage Valley Boulevard www.sonomasagehill.com
16 A V
NOSE HILL PARK
3951-46 Avenue NW
14 ST RE ET
Sage Hill View NW
08 VARSITY LANDING BY CARLISLE GROUP
STONEY TRAIL NW
01 . BLVD S L IL 05 TRY H N COU BED DIN GTO NT RA
STONEY TRAIL NW
HA RV BLVEST H D N ILLS E
85 ST. NW
LE 09 YR D.
07 SAGE HILL VILLAGE BY SLOKKER CANADA WEST INC.
37th Street and Kincora Glen Road N.W.
07 18 SY MO
COUNTRY HILLS BLVD.
PANORAMA ROAD NW.
ROCKY RIDGE BLVD.
144 AVE NW.
05 EMERALD SKY AT KINCORA BY CARLISLE GROUP
SOUTHLAND DRIVE ANDERSON ROAD
M A TR IL
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ISH NW CRE EK P WITH 2 CAR ATTACHED GARAGES ARK STARTING FROM THE
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www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 35
GET FRIENDLY WITH Fabrics How to mix and match …tastefully // by Yanic Simard
When it comes to fashion,
patterns are mixed together all of the time. So, you shouldn’t be fearful of combining patterns in a room to make it come to life. The trick is to do it tastefully – without creating a décor disaster.
Here, I share my tips for combining patterns the right way: Begin Bold Start with one strong
pattern – strong could mean thick lines, a particularly busy pattern, or very saturated colours – and build upon it. Balance of Scale The goal is for your patterns to complement one another, not work against one other; try to have an even mix of busy and subtle. Soften Prints with Solids A fabrics without a pattern acts as a staple to all schemes. It’s sort of like the bread to a sandwich – things won’t look (or taste) good without it. One Colour, Different Shades A more simplified way of mixing patterns is to keep it monochromatic. Select patterns of one colour but choose varied shades (for example, light blue mixed with medium and dark blue).
Yanic Simard is the principal designer of the Toronto Interior Design Group. Specializing in residential and commercial projects, Simard often applies his signature high/low and old/new combination design techniques in developing unique designs. Simard has created designs for clients in Toronto, Montreal and Miami, and has appeared as a regular guest expert on Citytv’s CityLine. For more information visit tidg.ca. CO N T I N U E D o n p a ge 3 8 . . .
Scan to view our New Video or go to Scan http://tinyurl.com/9xf23zq to view our New Video or go to http://tinyurl.com/9xf23zq
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STYLE FILE CONTINUED… Don’t Over-coordinate You want
to avoid having your fabrics too “matchy-matchy.” If you’re using the same or similar pattern in more than one area, limit it to two places and have them spread far enough apart. My Favourite Patterns: GINGHAM This printed or dyed
fabric, which dates back to the 17th century, is known for its checked patterns of white and a single bold colour (you’ll often catch me wearing this pattern). The size of the checks can vary in size, and the checks can appear in horizontal rows and vertical columns, or sometimes diagonally. PINSTRIPE A classic pattern consisting of very thin stripes running in parallel. It is most recognized in men’s suits and is very striking in home décor.
CHEVRON A repetitive pattern comprised of sharp ledges that
look like the letter “V” (sometimes called herringbone or zigzag). This is on trend right now.
Textile Tips: 1 Choose soft furnishings that will work in any room of your home, so that
when you’re ready to change up your décor you can swap pillows, throws, drapery, etc. from room to room. 2 If you’re just starting to re-decorate a room, a textile that you love is a great way to draw inspiration for the entire scheme. Pull the colours, lines, shapes and feel from the pattern on the fabric. 3 When selecting a fabric, keep its application in mind and consider these two important details: ›› DURABILITY Look at the rub count – if the textile you’re considering is for upholstery and a piece that will be used often, the higher rub count the better. If it’s for drapery, a lesser rub count is suitable. Also, fabric with a higher thread count means a tighter weave, which is key to having fabric maintain its shape over time. ›› CLEAN-ABILITY Fabrics made of natural fibres will absorb stains much quicker than man-made fabrics, but they will clean up better. Fabrics made with man-made fibres are typically soil-resistant but don’t clean up as well.
38 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
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How to avoid
BIG PROBLEMS IN SMALL SPACES Whether a first-time homebuyer or downsizing from a house, millions
of Canadians are choosing to nest in smaller, more convenient and affordable condominiums. At first glance, condo life seems worry-free and this is the reason many prefer this real estate option. However, when purchasing a condo, many Canadians don’t consider the risks associated with non-insured damage to the unit. When purchasing a house, insurance is typically one of the first things accounted for when moving in. Unfortunately, insurance is often overlooked by condo owners, since most are unsure of what they are responsible for should any damage occur. The following questions have been provided by insurer RSA to help new condo owners determine how much protection they have under their condo corporation’s insurance policy and what they need to be aware of. Ask your Realtor, lawyer or property manager the following questions for more clarity: 01 W hat does the condo corporation’s insurance cover and, more importantly, what doesn’t it cover? 02 Does the corporation’s policy cover just the structure and common areas of your building or complex, or more (such as damage to your unit’s walls)? 40 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
03 If there is major damage to
your building, is it possible that you would have to make an additional contribution to cover the deductible of the condo corporation’s insurance policy? 04 W hat is the deductible in the corporation’s insurance policy? 05 A re you responsible for the full cost of repairs to another condo, or the full deductible on the corporation’s policy if, for instance, your dishwasher leaked or your bathtub overflowed and damaged the unit below? 06 How is a “standard unit” defined by your condo corporation? Does it cover things like fixtures, ceilings and floors? To find a broker who can explain the common types of condo insurance and what is right for you, visit the broker locator section at rsagroup.ca. NC
FA L RID CON GE
16 AVENUE 12 AVENUE
CRI J PARK OW OHN CH L ILD AURI EB TRA LVD IL .
SOUTHEAST COMMUNITIES RIVE RIAL D
RIAL D RIVE
09 MONARCH BY COVE PROPERTIES
ELBOW DRI VE
316 McKenzie Towne Gate SE
10 MCKENZIE TOWNE ELGIN BY BROOKFIELD HOMES
585 McKenzie Town Drive SE
14 BOULEVARD TOWNES BY BIRCHWOOD
11 05 02 18
116 Quarry Park Way SE
15 EDISON COMING SOON BY AVI URBAN
F LO UIS O
06 08 RAIL 09 10 RNE T
206 Cranford Drive SE
EK P ARK
290 Chaparral Valley Drive SE
13 MOSAIC CRANSTON BY BROOKFIELD HOMES
OOT T RAIL
12 INNOVATIONS BY JAYMAN CHAPARRAL VALLEY
114 AVE SE
1797 Copperfield Blvd SE
11 CHALETS IN COPPERFIELD BY SABAL HOMES
01 12 15 02
16 YORK 29 BY TRICO HOMES
120 New Brighton Landing SE
17 MOSAIC MIRAGE BY BROOKFIELD HOMES
McKenzie Towne-Coming Soon
18 AURA OF COPPERFIELD BY ALDEBARAN HOMES 279 Copperfield Common
01 RIVERSIDE TOWNHOMES IN CHAPARRAL VALLEY BY CARDEL LIFESTYLES
05 MINT BY JAYMAN MODUS
02 COPPERFIELD PARK BY BRAD REMINGTON HOMES
06 ZEN BY AVALON MASTER BUILDER
03 AUBURN BAY BY BROOKFIELD HOMES
07 PRESTWICK PLACE BY CARDEL LIFESTYLES
121 Chaparral Valley Drive SE
279 Copperpond Common S.E.
174 Auburn Bay Blvd SE
04 MOSAIC LAKESIDE AUBURN BAY BY BROOKFIELD HOMES 27 Auburn Bay Link SE
19 CHAMPAGNE BY REMINGTON DEVELOPMENTCORPORATION
130 New Brighton Way SE thatsmint.ca/live
Quarry Park Blvd SE remingtoncorp.com
3510 McKenzie Town Gate SE
20 CRANSTON PLACE CONDOS BY CARDEL LIFESTYLES 302 Cranston Road SE
115 Prestwick Villas SE
21 CRANSTON PLACE TOWNHOMES BY CARDEL LIFESTYLES
08 MOSAIC MOTIF IN NEW BRIGHTON BY BROOKFIELD HOMES
302 Cranston Road SE
317 New Brighton Villas SE
COPPERFIELD PARK LOVE IT. LIVE IT. AFFORD IT.
TWO BEDROOM CONDOS* DELUXE TWO BEDROOM CONDOS* From the $180’s +GST From the $140’s +GST Titled parking stall included.
www.copperfieldpark.com 403.723.0094 www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 41
CHBA–ALBERTA INDUSTRY LEADER
RECOGNIZING ALBERTA INDUSTRY LEADERS
At the Canadian Home Builders’ Association – Alberta Annual Conference the Industry Leaders Awards were presented to a group of noteworthy volunteers. These awards recognize leaders in the residential construction industry for their commitment to make the industry better.
INDUSTRY LEADER AWARDS HALL OF FAME INDUCTEE AVI AMIR | HOMES BY AVI | CALGARY CHBA – Alberta Hall of Fame inductions are not done every year because of the significance of the honour. This year’s inductee is Avi Amir of Calgary. Avi has been a passionate advocate for high standards, quality control, superior customer service, environmentally sound building practices and sustainable development. His leadership through volunteerism and industry involvement has ignited the interest of many members of his company to follow his example by contributing greatly to CHBA – Alberta, as well as local and the national associations.
GEORGE FRIESER AWARD DEEP SHERGILL | PROMINENT HOMES | CALGARY This award is presented to a special person who has served the association for a number of years at the highest of levels and with the largest degree of success and commitment. It is the highest award that can be given at the provincial level. This year’s recipient is Deep Shergill of Prominent Homes in Calgary. Deep is a dedicated volunteer contributing to the Association at the local, provincial and national levels. He brings enthusiasm, energy and new ideas to the table at every discussion.
KLAUS SPRINGER AWARD RUSSELL DAUK | ROHIT COMMUNITIES | EDMONTON This award is presented each year to a builder member who has done excellent service at the provincial level of our Association. Russell Dauk of Rohit Communities in Edmonton was this year’s recipient. Russell’s efforts at advocacy for the home building and land development industry are absolutely tireless. His knowledge, attention to detail, dedication and desire to come up with solutions to the problems the industry faces each day make a strong impact on discussions with decision makers.
MAPLE LEAF AWARD RAY WATKINS | G3 DEVELOPMENTS | EDMONTON This major award is given to a general member who has demonstrated leadership and dedication for work at the provincial level. This year’s recipient is Ray Watkins from G3 Developments in Edmonton. Ray is a strong contributor to discussions with provincial decision makers. His work has built a stronger relationship between UDI Alberta and CHBA – Alberta.
AWARD OF HONOUR This award is presented to dedicated volunteers who have done significant work at the local and provincial levels of our Association.
GRANT AINSLEY GRANT AINSLEY INC EDMONTON
JOEL MAYER DIRHAM HOMES GRANDE PRAIRIE
JEREMY GOOK ANAKO CONSTRUCTION LETHBRIDGE
KEN GORGICHUK OVERHEAD DOOR COMPANY GRANDE PRAIRIE
DAN MOUNT & ANDREW THOMPSON PLY GEM EDMONTON-CALGARY
LEN WALTERS COVENTRY HOMES EDMONTON
Dan Mount accepting
Chris Amundson accepted on behalf of Len
PRESIDENTIAL AWARD OF HONOUR This special award is presented to a CHBA - Alberta member to recognize outstanding efforts that have served to assist the president during her term.
zz GREG CHRISTENSON CHRISTENSON DEVELOPMENTS EDMONTON
zz DEEP SHERGILL PROMINENT HOMES CALGARY
SAFETY LEADERSHIP AWARDS These awards are presented to companies that set themselves apart by creating a culture of safety ensuring that their co-workers get home safely.
Large Employer Builder Member
LANDMARK GROUP OF BUILDERS EDMONTON
Large Employer General Member
LEEâ€™S SHEET METAL GRANDE PRAIRIE
Brad Jones accepted on their behalf
Small Employer Builder Member
BROADVIEW HOMES CALGARY
Small Employer General Member
CARPET COLOUR CENTRE RED DEER
MORE CANADIANS are debt-free in 2012
2012 IS A BETTER YEAR THAN 2011 FOR CANADIANS’ pocketbooks. According to the second annual RBC Debt Poll, more Canadians have no personal (non-mortgage) debt this year (26 per cent, up from 22 per cent in 2011). On average, Canadians carry $13,141 in personal debt, up $84 from a year ago, with Ontarians carrying the most debt ($15,361) and Quebecers the least ($10,171). While four in 10 Canadians (40 per cent) describe themselves as “comfortable” with their current personal debt level (compared to 45 per cent in 2011), one-inthree Canadians (34 per cent) admit their debt level causes them anxiety (compared to 32 per cent in 2011). “Many Canadians have some level of comfort with their personal debt, but the very personal nature of carrying debt can often stir up mixed emotions,” says Richard Goyder, vice-president of personal lending, RBC. “It’s encouraging that the results show more Canadians have become debt-free over the past year and that those who still have debt want to do more to reduce it.” The poll found that just over half of Canadians (51 per cent, compared to 49 per cent in 2011) say it is more important to pay down debt than save and invest for the future right now. Four in 10 (41 per cent, down from 44 per cent in 2011) place an equal importance on saving and investing, as well as paying down debt.
52 STREET SE
D VAR ULE BO Mc KE NZ IE TO W
Meanwhile, a minority of Canadians (eight per cent) think now is the time to save and invest for the future, rather than pay down debt. Similar to a year ago, caution around adding to their debt load has led some Canadians to delay or cancel purchases or plans, such as taking a vacation (26 per cent, compared to 24 per cent in 2011) and buying a big ticket item (19 per cent, compared to 20 per cent in 2011). Also, like in last year’s poll, three-quarters of Canadians (76 per cent) feel they are in better shape regarding their personal debt than their friends and neighbours (compared to 75 per cent in 2011).
CG 2012-11.indd 1 15 ISSUE 12 | www.homeTRADER.ca 46 NEWZEN CONDO GUIDE | VOLUME
01-11-12 12:22 PM
Move In Before Christmas!
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Canadian Home Builders’ Association
When personal becomes professional
// BY MARNIE BENNETT
ASSEMBLING YOUR HOMEBUYING TEAM
Marnie Bennett is a broker and the team leader of Bennett Property Shop Realty, a full premium-service five-star real estate brokerage specializing in marketing and selling new and resale homes, condos and investment real estate. Marnie is the host of the weekly radio shows, The Real Estate Hour and Business Class, a millionaire real estate investor and a real estate wealth management coach. bennettpros.com
ost of you would agree that meeting the love of your life is a monumental event. From observing my clients over the last 30 years, I’d argue that falling in love with a home runs a close second. Walking into a new home or model and feeling your pulse quicken is a magical sensation. When you feel a strong personal connection with a certain place, you won’t sleep until it’s yours.
It may seem strange that such a personal experience involves working with so many other people. But when you’re making the biggest financial investment of your life, it’s always wise to depend on the advice and expertise of professionals. Depending on your personal circumstances, you may consider consulting with a few key players. ›› Mortgage specialist Ideally, you will have met with a mortgage broker, bank or lending institution prior to beginning your home hunt. Understanding how much money you have to work with is an excellent first step to narrowing your search, and obtaining a pre-approved mortgage can save both time and grief in the long run. ›› Realtor While it’s possible to purchase a new home without the assistance of a Realtor, there are several benefits – and no drawbacks – to having a real estate professional in your court. Realtors understand the market and can provide terrific insights on neighbourhoods, investment values and negotiating with a builder. Best of all, there’s no cost associated with hiring a Realtor to purchase a home. ›› Real estate lawyer This is an absolute must. A good lawyer will walk you through the paperwork, explain fees and protect you from real estate fraud. ›› Home inspector Because new homes in Ontario are covered under by Tarion Warranty Corp., and because a pre-delivery inspection with the builder is part of the new-home buying process, many purchasers of new homes choose not to hire a home inspector. However, I often encourage my clients to spend the few hundred dollars it costs to ensure that their new home has been built to code. Most homebuyers are smart cookies. But, in matters of love, the heart rules the head. That’s why, when it comes to buying a home, it pays to have professionals do some of the thinking for you.
It may seem strange that such a personal experience involves working with so many other people 52 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
Condo Buyersâ€™ Resource Section You love the condo, see what you can afford! Compare mortgage rates for your best deal alculate your mortgage payments using the C mortgage payment calculation chart
YOU LOVE THE CONDO, SEE WHAT YOU CAN AFFORD! INTEREST RATES
CALCULATE YOUR MORTGAGE PAYMENTS
% 5 YEARS
MONTHLY PRE-TAX INCOME
SPOUSE’S PRE-TAX INCOME
TOTAL PRE-TAX INCOME
DIVIDE BY THREE
AFFORDABLE MONTHLY PAYMENTS
AMOUNT OF MORTGAGE (PRICE-DOWN PAYMENT)
AMOUNT OF MORTGAGE DIVIDED BY 1,000
ESTIMATED MONTHLY TAXES AND HEAT
FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFY FOR A MORTGAGE ON YOUR DREAM CONDO
Calculate the combined monthly before-tax income of you and your spouse.
Multiply this figure by the amount you need to borrow. Divide by 1,000.
Divide by three. This figure is the monthly payment you can afford to make on your condo.
Add to this your estimated monthly heating costs and monthly property taxes.
Take the total price of the condo and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.
Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)
If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream condo. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.
54 NEW CONDO GUIDE | VOLUME 15 ISSUE 12 | www.homeTRADER.ca
COMPARE MORTGAGE RATES FOR YOUR BEST DEAL VARIABLE
AGF Trust Bank of Montreal Bank of Nova Scotia Bridgewater Bank CIBC Mortgages Canadian Western Bank Equitable Trust First Calgary Financial First National Financial FirstOntario Credit Un. HSBC Bank Canada ING Direct Investors Group Trust Manulife Bank Manulife Trust Meridian Credit Union National Bank Peace Hills Trust President’s Choice Fin’l Servus Credit Union T-D Mortgage
3.100 3.100 3.200 3.200 3.000 2.790 3.100 3.000 3.000 3.000 2.850 3.200 3.100 3.200
4.650 4.000 4.550 4.450 4.000 4.000 3.950 4.240 4.450 4.000 4.450 4.450 4.450 4.000 4.500 6.040 4.000 4.000
3.040 3.100 3.650 3.240 3.100 3.100 3.100 2.390 2.740 3.090 3.600 3.250 3.100 3.000 3.000 3.100 3.100 3.100 3.140 3.100 3.000
3.200 3.140 3.890 3.390 3.290 3.140 3.140 3.140 2.690 3.190 3.950 3.250 3.140 3.100 3.100 3.140 3.140 3.350 3.200 3.140 3.140
3.240 3.700 3.990 3.250 3.700 3.700 3.700 2.990 2.890 3.240 4.450 3.250 3.700 3.150 3.150 3.700 3.700 3.700 3.240 3.700 3.700
3.340 4.640 4.390 3.570 4.390 4.640 4.640 3.290 3.150 3.290 4.990 3.250 4.640 3.150 3.150 3.400 4.640 3.850 3.300 4.390 4.640
3.490 5.240 4.990 3.250 5.240 5.240 5.240 3.290 3.190 3.240 5.240 3.190 5.240 2.950 2.950 3.280 5.240 3.950 3.340 5.240 5.240
This information is current as of November 9, 2012 and is subject to change without notice.
MORTGAGE OPTIONS You can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs. All mortgages are of two basic types:
Buyer can borrow up to 75 per cent of the purchase price or the value of the property, whichever is less. Buyer has to pay 25 per cent down. A conventional mortgage cannot exceed 75 per cent of the value of the property.
Allows borrowers are to repay all or part of the total amount of their mortgage at any time without penalty. Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high-interest rates to a longer term when mortgage interest rates fall.
INSURED OR HIGH-RATIO Buyer can borrow up to 95 per cent of the purchase price or the value of the property, whichever is less. The down payment can be as low as five per cent.
CLOSED MORTGAGE This usually has the lowest interest rate available but lacks the flexible features of other mortgage options. It’s a good
choice for those who want the security of knowing their monthly payment is fixed for a longer term. Prepayment options are available but they are subject to conditions.
PORTABLE MORTGAGE Offers flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.
www.homeTRADER.ca | VOLUME 15 ISSUE 12 | NEW CONDO GUIDE 55
Condo hunterâ€™s checklist When shopping for your dream condo, carry this list with you and take notes to help you remember what you saw, and where! condo #1
Project & address:
Project & address:
Project & address:
Project & address:
2-storey highrise bungalow
detached conversion townhome
2-storey highrise bungalow
detached conversion townhome
2-storey highrise bungalow
detached conversion townhome
2-storey highrise bungalow
detached conversion townhome
# of bedrooms:
# of bedrooms:
# of bedrooms:
# of bedrooms:
# of bathrooms:
# of bathrooms:
# of bathrooms:
# of bathrooms:
56 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
Index of advertisers
read more about our advertisers! Arrive
Partners Development Group
Genesis Builders Group
Remington Development Corp.
Slokker Canada West Inc.
Brad Remington Homes
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25 50-51 12
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Slokker Canada West Inc.
The Villas of Swan Landing
Zen â€“ McKenzie Towne
Avalon Master Builder
www.hometrader.ca | Volume 15 issue 12 | NEW Condo Guide 57
58 NEW Condo Guide | Volume 15 issue 12 | www.hometrader.ca
059-Brookfield-Cranston 11-16-12.indd 59
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060-Copperfield 11-16-12.indd 60
11/9/12 3:57:40 PM