Calgary New Condo Guide - Mar 7, 2014

Mar 7 - Apr 4, 2014 Volume 17 Issue 03

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INSIDE THIS ISSUE

001-CCG_Cvr_03-07-14.indd 1

THE CONDOMINIUM RESERVE FUND

CALGARY’S DELECTABLE FOODIE SCENE

STYLE FILE: LIGHTEN UP FOR SPRING

2014-02-27 3:55 PM

BUILDING FOUR NOW RELEASED

CHBA - Calgary Region

2012

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MARK WILL FEATURE CALGARY’S MOST LUXURIOUS ROOFTOP LOUNGE AND FITNESS CLUB, RESERVED EXCLUSIVELY FOR IT’S RESIDENTS AND THEIR GUESTS MARK ON 10TH

Rising from 10th Avenue SW & 8th Street in the Design District, one block away from the downtown core and within close proximity to shop­ ping, galleries, entertainment and transit, MARK is designed for those who live, work and play downtown.

In addition to an expansive roof garden on the third floor with seat­ ing areas and shade trees, at the penthouse level, MARK will feature Altitude 330’, a lounge with wet bar, media centre, Wi­Fi internet, billiards and capacity for small or large gatherings. Floating above is a cantilevered glass mezzanine with outstanding panoramic views of Calgary’s downtown, surround­ ing Rocky Mountains, Bow River and Calgary Stampede.

The fully equipped fitness club includes state­of­the­art cardio equipment, free weights and uni­ versal gym, a yoga/Pilates studio, sauna, steam room, shower, chang­ ing rooms and lockers.

Outside, an elevated hot tub, sunbathing patio with seating and lounge area with outdoor barbecue and raised fire pit for relaxing and entertaining.

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newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 07

TABLE OF CONTENTS

Mar 7 – Apr 4, 2014 VOLUME 17 ISSUE 03

11 LIDO BY

BATTISTELLA New condos in Kensington

COLUMNS, NEWS & FEATURES 010 EDITOR’S NOTE COLUMNISTS

016 SAVING SPACE Top eight organizing myths exposed

BY SYLVIA DAOUST

018 CALGARYISM Sink your teeth into Calgary’s foodie scene

BY CODY BATTERSHILL

030 CONTEMPLATING CONDOMINIUMS Condominium reserve funds are vital

BY LINDA PALFI

034 FUNDAMENTALLY SPEAKING How to find a home?

Pay attention to location, information and timing

BY WAYNE KARL

CONDO FEATURES

011 COVER STORY Battistella launching LIDO in Kensington

BY HEATHER RYAN

042 CONDO PROFILE Trico presents vivid, vibrant Viridian in Sage Hill

BY HEATHER RYAN

HOMEBUYERS’ HELP

024 IN THE NEWS Niche Small Space reDesign receives Best Of Houzz 2014 Award 025 TIPS & TRICKS Changing your address 038 MAKE YOUR MOVE Packing tips to make your move a little easier 044 CMHC REPORT Housing starts to stabilize in 2014 and 2015

050 DESIGNER ADVICE Lighten up with perfect pillows and throws

BY YANIC SIMARD

054 HOMEBUYERS’ HELP Condo Buyers’ Resource Section 058 INDEX PROJECT LOCATION MAPS

015 Inner City 027 Southwest Map 033 Northeast Map 037 Satellite Communities 041 Northwest Map 047 Southeast Map

VICE-PRESIDENT, WALL2WALL MEDIA

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Josh Heppner SENIOR SALES MANAGER, WESTERN CANADA

Edwin Rizarri ART DIRECTOR

Daiana Garay EDITOR

Lydia McNutt CONTRIBUTING EDITORS

Sara Duck Wayne Karl Elisa Krovblit DESIGN EDITOR

Yanic Simard

Media Consultant

Natalie Houghton 587.226.1313 Like us on Facebook: search: CalgaryNewCondoGuide

Production Manager

Bala Gnanapandithan Production Co-ordinator

Greg Van Sluytman Graphic Designer

Viosa Barileva

Published By

newcondoguide.com 2891 Sunridge Way N.E. Calgary, AB T1Y 7K7 COPYRIGHT 2014 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.

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T 587.226.1313 email natalie.houghton@wall2wallmedia.com 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 susan.legge@wall2wallmedia.com

The views and data expressed by columnists do not necessarily represent those of the publication.

Please recycle this magazine! Wall2Wall Media participates in the Partner’s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

EDITOR’S NOTE

MOVING MADE EASY

SUSAN LEGGE

EDITOR-IN-CHIEF

Wall2Wall Media Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge Like us on Facebook Search: Condo Guide

Whether you’re relocating from one coast to the other or moving to your first place out of your parents’ home, moving can be hectic, exciting and certainly stressful. But, relax. You can eliminate all of the anxiety associated with moving by taking control of the situation with confidence.

If you decide to move yourself, book a moving truck well in advance from a reliable company that can help with some tips on moving as well as advice regarding the size of vehicle you will need.

If you decide to go with a pro, ask your friends and family to recommend a mover. Call at least three companies to ask about their services and then decide.

Professional movers can do everything for you if you wish, from packing and unpacking, to disconnecting appliances and electronics, but of course there’s extra cost involved.

Make sure you understand the terms of your agreement no matter what you decide, as well as any additional costs such as insurance and mileage fees, so you can budget accordingly.

Happy moving!

THE HOW, WHERE AND WHAT OF HOME BUYING

LYDIA MCNUTT

EDITOR

Wall2Wall Media Lydia.McNutt@wall2wallmedia.com Follow me on Twitter at Twitter.com/LydiasTweets

If you’re planning to buy a new condo this spring, spend the upcoming weeks doing some research to figure out the where, the what and the how of your purchase.

Before you start shopping, visit your mortgage broker or bank and get your financing in order. This is the “how” part of the equation. Answer questions like: How much can I afford to spend on a home? How much do I have for a down payment? Will I be using my RRSPs toward my down payment? Will I be able to afford my lifestyle and still make my mortgage payments? Don’t forget to budget for closing costs, maintenance fees and your regular bills. A home is a much more pleasant place with heat and electricity!

With your budget defined, you can hit the streets. Location is the one thing about your home that you can’t change. It affects how much you’ll need to spend on the purchase and property taxes, your lifestyle while you live there, and the resale value when you sell the place. Drive, walk and surf the web to learn as much as you can. Map the amenities that matter most to you – schools and parks, shopping areas and banks, highways and public transit, work, family and friends. Visit prospective locations at different times of the day and ask yourself, “Will I feel comfortable jogging early in the morning, or walking the dog alone after sunset?”

Once you know how much you can spend, and have narrowed down your locations of choice, you can zero in on the “what” of your new condo. Create a list of “must-haves” and “nice-to-haves.” If you’re purchasing a condo with someone, you’ll have to take their wants and needs into consideration as well, which can make home shopping a little more complicated. Getting your ducks in a row now will allow you to shop with confidence, and maybe even enjoy this exciting process!

10 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

COVER STORY

BATTISTELLA LAUNCHING LIDO in Kensington // BY HEATHER RYAN

OFFERING A FABULOUS LOCATION

with well-designed suites and upscale finishings, it’s easy to see why so many buyers are flocking to Battistella Developments’ latest condo project in desirable Kensington.

Located at the corner of 2nd Avenue and 10th Street N.W., LIDO

by Battistella is a unique eight-storey mixed-use building that combines

residential, retail and a boutique hotel, and is being so well received that it’s already 30 per cent sold.

“We launched LIDO in late November and we’re very excited because the response has been excellent,” says Traci Wilson, director of sales and marketing, noting that construction will start in the spring with a target of a fall 2016 possession date.

“People love the floor plans, suite sizes and the views, and the finishing packages are being really well received; it’s a step up from what we typically build with hardwood plank-style flooring, and high-end appliances including a gas stove and built-in wall oven,” she says.

“And, LIDO’s location is a major draw, being on 10th Street in the newcondoguide.com | Volume 17 issue 03 | NEW CoNdo GuidE 11

The kitchens will be show-stopping and very different to what has been seen on the market before heart of Kensington,” Wilson says, noting it’s just a block away from the LRT station and an array of shops, services, coffee shops, restaurants, parks, pathways and downtown are just minutes from the doorstep.

LIDO will be a midrise concrete building featuring small retail shops on the main level, and – a first for Battistella – a second-floor boutique hotel available to residents to accommodate overnight guests and for use by the general public as well.

The top six floors include 60 apartment-style condos featuring cool, modern style that appeals to everyone from young professionals looking to move up, or empty 12 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

nesters looking to downsize.

The residential suites present a variety of one- to three-bedroom floor plans ranging from 450 to 1,500 sq. ft. Prices start in the $240,000s for one-bedrooms; one-bedroom-and-den start at $425,000; two-bedrooms start at $519,000; and three-bedrooms in the $900,000s.

Buyers adore the high-end interior finishings, especially the unique kitchen island that has been design just for LIDO and integrates a custom dining table at one end, and a quartz countertop at the other end that surrounds the built-in five-burner gas stove. Other impressive features include, Fisher & Paykel stainless steel appliances, European-style floating cabinets, in-suite laundry with washer and dryer, floor-to-ceiling/wall-to-wall windows, nine-ft. ceilings, and balconies with gas line hookups.

“The kitchens will be showstopping and very different to what has been seen on the market before,” Wilson says. “Master bedrooms can accommodate a king-sized bed and all two bedrooms come with ensuites.”

Suites come with an underground parking stall and among LIDO’s three levels of

underground parking will be a level of public parking run by the Calgary Parking Authority. Further, LIDO also now offers a 10-year structural warranty, “giving our residents peace of mind knowing we back our product for longer than ever before.”

The building’s exterior is designed to fit into the Kensington streetscape so it will have brick on the first two floors with glass above.

The entrance will feature Battistella’s signature colourful mosaic, as well as a restored sign from Kensington’s LIDO Cafe, adding historical character.

Residents will also have a great rooftop patio where they can socialize and enjoy stunning views of downtown and the Bow River.

LIDO means a place of recreation in Europe, which fits both the Battistella family’s Italian background and the location, says Wilson.

“Residents can relax in Kensington and live the LIDO lifestyle.”

For more information about LIDO, visit the presentation centre at 1120 Kensington Rd. N.W., open Tuesday to Friday from 10 a.m. to 6 p.m., and weekends from 11 a.m. to 5 p.m. Visit battistella.ca/lido or call 403.290.1664.

newcondoguide.com | Volume 17 issue 03 | NEW Condo Guide 13

INNER CITY

Meet owners Bryan & Samantha moving into VEN 2015

Visit the Website today for up-to-date Pricing and Availability

Minutes from everything!

14

INNER CITY 14 6 TH & TENTH

BY LAMB DEVELOPMENT CORP.

RILEY PARK VE 4A

6 AVE N

5 AVE N

VE 2A

15 L UCIDA

BY CHELSEA HOMES

3

N

3804 MacLeod Tr. S

SUNNYSIDE 20 STATION

ROTARY PARK

PRINCE’S ISLAND PARK

05 17

16 S TEPS BRIDGELAND

BY GIUSTINI BRIDGES IN.

21

Sales Centre 921 - 1st Ave. NE www.stepsbridgeland.com

16

EAU CLAIRE04 MARKET

01

17 9 16

BY SABLE DEVELOPMENTS 916 Memorial Drive

10

18 E VOLUTION

BY EMBASSY BOSA INC.

4 AVE S

06

13 18

5 AVE S

East Village Experience Centre 553 Riverfront Ave. SE

6 AVE S

MILLENNIUM PARK

19 02

CONVENTION CENTRE

9 AVE S

1 ST W

07

MOUNT ROYAL VILLAGE

26 AVE S

VICTORIA PARK / STAMPEDE STATION

08

TALISMAN SPORTS CENTRE

4 ST W

5 ST W

CLIFF ST

17 AVE S

22

CALGARY EXIBITION AND STAMPEDE PARK ERLTON / STAMPEDE STATION

PROSPECT AVE

10 ST W

23 AVE S

1 ST E

COLONEL BELCHER HOSPITAL

11 MACLEOD TR

2 ST W

11 AVE S

4 ST W

5 ST W

8 ST W

10 ST W

14

12 AVE S

FORT CALGARY

CITY HALL

OLYMPIC WY

GREYHOUND BUS TERMINAL

26 AVE S

23

15

01 R IVERFRONT POINTE

BY CARLISLE GROUP

06 A VENUE

BY GROSVENOR & CRESSEY

02 M ARK ON 10TH

BY QUALEX

07 S MITH

BY GROSVENOR

03 4 3 PARK

BY VERICON REAL ESTATE VENTURES

08 D ISTRICT

BY BOULEVARD INVESTMENTS

101 Riverfront Avenue S.E.

901 - 10th Ave S.W.

43park.ca

04 W ATERFRONT

BY ANTHEM PROPERTIES 216 Riverfront Ave. S.W.

05 V EN

BY BUCCI

835 5th Ave. NW Show Suite 306 10th St. NW vencondos.com

19 V ERVE

BY FRAM + SLOKKER

Sales Centre Now Open in East Village

20 L IDO

BY BATTISTELLA

Sales Centre 1120 Kensington Rd

21 E INSTEIN2 IN BRIDGELAND

BY PROVIDENCE GROUP COMING SOON Register: einsteincalgary.com

22 A LEX

BY ASSURED DEVELOPMENTS

Presentation Centre: 2719 14th St. SW

23 M ISSION 34

BY ASSURED DEVELOPMENTS

98 Mission Road SW mission34.ca

1035 5th Ave. SW

Visit Sales Centre at 850-16th Ave. SW, 2nd Floor

Sales Centre Now Open 305 18th Ave. SW

10 B RIDGELAND CROSSINGS

BY APEX CITY HOMES bridgelandcrossings.ca

13 F IRST

BY FRAM + SLOKKER

East Village Experience Centre 553 Riverfront Ave. SE

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 15

GRO

1035 5

Saving Space

// by sylvia daoust

TOP 8

Organizing Myths Exposed 1 Lots of colorful bins and containers will make you more organized.

If these tools aren’t part of a larger system that allows you to put like with like and find what you need when you need it, then they aren’t helping you get or stay organized. They’re just adding to your clutter.

2 There’s no hope for me… I wasn’t born organized.

Yes, some of us were born with the “organizing gene,” but anyone can become better organized. Determine what is organized enough for you, and get help developing systems that work with your learning style.

Sylvia Daoust, owner of Niche Small Space reDesign, is one of Calgary’s only professional organizers with expertise in small spaces. She is renowned for simplifying homes and offices with mini-renovations, redesigned rooms and tricky organization projects. Join her blog, nicheredesign.com/blog/ where smart solutions transform challenging spaces every week! Follow Sylvia on Facebook.com/nichedesignsinc and Twitter@SylviaDaoust.

3 An organized home looks like the ones in the magazines.

These magazine photographs are professionally staged. While they showcase some great storage ideas, 50 per cent of the stuff in the space has been cleared out. Homes are meant to be lived in. Keeping your home perfectly organized every minute of every day probably means you aren’t “living” there at all.

4 Once I get organized, I’ll be organized for life! Yeah!

Being organized is a journey, not a destination. You have to maintain and tweak your systems regularly in order to stay organized. Organizing is not magic. It is unrealistic to think that a professional can come in for a couple of hours and “fix” what has taken you months (or years!) to create.

5 If I had more space, I could get organized.

While lack of space can be a legitimate issue in some situations, those with the tendency to “collect” will fill up any space, no matter how large. I’ve seen homes with three-car garages and over 2,500 sq. ft. of living space less organized than an 800-ft. condo.

6 Being messy means you are disorganized.

Organizing is about function, not absence of stuff. Visual, creative types need to have things out where they can see them. Their spaces appear disorganized to others, but they usually know where everything is.

7 Getting Organized is too Expensive.

It’s about living in a space you love, not obsessing about the space so you can’t live in it!

There are plenty of ways to organize stuff that don’t cost anything, and if you’ve got a creative streak, you can still make them just as pretty. Pinterest is full of re-purposing ideas to give you the storage you need.

8 Professional Organizers live in “ultra organized,” magazine worthy spaces.

If I had a dollar for every time one of my clients said, “Your home must be so organized!” Remember: it’s about living in a space you love, not obsessing about the space so you can’t live in it!

16 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

Pha

se 1

Firs t

Rel eas e

Ava ila

ble !

2

Contact Christina at 587.433.4416 or Christina@einsteincalgary.com

2

17

CALGARYISM

// BY CODY BATTERSHILL

Sink your teeth into

CALGARY'S FOODIE SCENE

All I know is, if it is anything like what they have already produced in Calgary, then this food hub will be something to look out for.

DOUBLE ZERO CHINOOK | 6455 MACLEOD TRAIL SW

Cody Battershill is the founder of Calgaryism and a top producing realtor at Re/Max House of Real Estate. Born and raised in Calgary, Cody has a passion for helping his clients accomplish their real estate goals and loves to show off the best Calgary has to offer! He can be reached at 403.370.4180, on Twitter @Calgaryism and Calgaryism.ca"

C

Double Zero Pizza is expanding with a new location coming soon to Chinook Mall.

Those who have been to Double Zero’s downtown location already know that this is good news as the restaurant serves up some of the best pizza in Calgary, plus a wide selection of tapas, pastas, beers and wines.

The new two-storey venue with a market-style main floor and traditional secondfloor dining area is hard to miss, located on northeast side of the mall and easily spotted off of Macleod Trail. I can definitely see myself enjoying some fine food at Double Zero Chinook in between some shopping and an IMAX flick.

GORO & GUN | 225 7TH AVENUE SW

Stephen Avenue will soon be home to another restaurant called Goro & Gun. If this restaurant's food is as unique as its name, then surely we have much to look forward to!

Expect to see some of the best of both Asian and American cuisines all smashed into one fantastic menu that will make the foodies in Calgary crave for more. I’ll be checking this spot out as soon as it opens!

NATIONAL WEST HILLS | 180 STEWARD GREEN SW

algary’s food culture is getting bigger and more spectacular as the years go on. With so many great food establishments found all throughout Calgary, especially in the downtown and inner city, it isn’t hard to get excited about dining out while getting some bang for your buck.

Having said that, prepare your taste buds for even more unique, scrumptious, savoury foods to hit our city streets in the near future. Here are six new Calgary restaurants coming soon that any food lover will appreciate:

National already has two outstanding locations in Calgary, one on the Red Mile or, 17th Avenue SW if you will, and one on 10th Avenue SW, the latter of which has bowling lanes and a unique bourbon room with over 40 kinds of whiskey to choose from. You know what they say – there’s no bad whiskey, some are just better than others.

Now, National is opening a third location at West Hills Shopping Centre in the southwest. Expect to see the same great food, drinks and social atmosphere the franchise is known for. After all, it is one of the best Calgary beer halls there is.

CHARBAR | 618 CONFLUENCE WAY SE

RODNEY’S OYSTER HOUSE | 355 10TH AVENUE SW

The Simmons Building in East Village will soon be home to Charbar, a new restaurant and eatery by Phil and Sebastian Roasters, Sidewalk Citizen Bakery and the chefs behind Charcut Roast House. Who knows what magical concoctions of food will be made at Charbar once all three tenants have set up shop and are ready to open by spring of 2015.

Seafood lovers beware – one of Toronto’s highly reputed oyster restaurants is coming soon to Calgary. Rodney’s Oyster House has acquired the former nightclub on 10th Avenue and 4th Street SW that has previously gone by the names of Mansion, Tantra and The Drink. When finished, the restaurant will boast 300 seats, an oyster bar, private dining rooms and catering services. Expect to see gourmet lobster, crab, scallop and fish entrees to go with those lovely oysters.

NATIVE TONGUES TAQUEIRA | 239 12TH AVENUE SW

Tacos, bourbon and hip-hop are the three words used to describe Native Tongues Taqueira, a new food establishment coming soon to the belt-line community of Connaught.

The creators of Taco Or No Taco are bringing to you another place where you can get all the gourmet tacos, tasty bourbon and Mexican-style wrestling for entertainment you want. This combination makes for quite the interesting dinner event, to say the least.

JOIN US We invite you to join us for more restaurant reviews, activities and events in

Calgary at Calgaryism on Facebook, on Instagram and Twitter. Until next time, be sure to check out some of the best in Calgary and let us know what you think!

18 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

HOMES

COMING

SOON

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For those who welcome style in all its forms, Grosvenor is launching a collection of fine fine tailored homes off 17th Avenue, starting $229,900. off 17th Avenue, starting fromfrom the low $200,000’s.

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Living cities 19

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IN THE MARKET FOR A

NEW HOUSE

OR A CONDO?

We think finding a home is a lot more than simply finding the right property.

That’s why we put you right in the middle of the search process.

Search your favorite neighbourhood

Find out about nearby services and amenities

View new construction projects and register to get the latest info

Visit the new real estate section on canpages.ca and start looking for that special place.

Powered by

canpages_filler_VF.indd 1

13-02-26 4:50 PM

INNER CITY

that is a first for Calgary – only at Avenue, stunning new river view homes in the desirable West End.

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 23

In The News

Niche Small Space reDesign

of Calgary, AB receives Best Of Houzz 2014 Award

Annual survey and analysis of 16 million monthly users reveals top-rated building, remodeling and design professionals in Canada Niche Small Space reDesign of Calgary has been awarded “Best

Of Houzz” by Houzz, a platform for home remodeling and design. The “Calgary Expert Team in Small Spaces” was chosen by more than 16 million monthly users that comprise the Houzz community.

The Best Of Houzz award is given in two categories: Customer Satisfaction and Design. Customer Satisfaction honours are determined by a variety of factors, including the number and quality of client reviews a professional received in 2013. Design award winners’ work was the most popular among over 16 million monthly users on Houzz, known as “Houzzers,” who saved more than 230 million professional images of home interiors and exteriors to their personal ideabooks via the Houzz site, iPad/ iPhone app and Android app. Winners will receive a “Best Of Houzz 2014” badge on their profiles, showing off their commitment to excellence to the Houzz community. These badges help homeowners identify popular and top-rated home professionals in every metro area on Houzz.

“We love a small-space challenge!”

“Houzz provides homeowners with the most comprehensive view of home building, remodeling and design professionals, empowering them to find and hire the right professional to execute their vision,” says Liza Hausman, vice-president of community for Houzz. “We’re delighted to recognize

Niche reDesign among our ‘Best Of’ professionals for customer satisfaction and design as judged by our community of homeowners and design enthusiasts who are actively remodeling and decorating their homes.”

With Houzz, homeowners can identify not only the top-rated professionals, like Niche reDesign, but also those whose work matches their own aspirations for their home. Homeowners can also evaluate professionals by contacting them directly on the Houzz platform, asking questions about their work, and reviewing their responses to questions from others in the Houzz community.

Follow Niche Small Space reDesign on Houzz.

Sylvia Daoust, owner of Niche Small Space reDesign, is one of Calgary’s only professional organizers with expertise in small spaces. She is renowned for simplifying homes and offices with mini-renos and redesigns.

About Houzz Houzz is a leading platform for home remodeling and design, providing people with everything they need to improve their homes from start to finish, available online or from a mobile device.

From decorating a room to building a custom home, Houzz connects millions of homeowners, home-design enthusiasts and home-improvement professionals across the country and around the world.

With the largest residential design database in the world and a vibrant community powered by social tools, Houzz is an easy way for people to get the design inspiration, project advice, product information and professional reviews they need to help turn ideas into reality. For more information, visit houzz.com.

24 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

INNER CITY

Tips & Tricks

changing your address?

Plan ahead to make your move as smooth as possible, and avoid getting lost in the shuffle!

Notify family and friends, companies and institutions that your address will be changing, either by phone or by mailing the changeof-address cards available at your local post office. The following checklist will serve as a convenient reminder:

as soon as possible…

❏ Accountant

❏ Employer

❏ Alumni association

❏ Family doctor

❏ Attorney

❏ Dentist

❏ Banks

❏ Veterinarian

❏ Lending institutions

❏ Frequent flyer program

❏ Insurance companies

❏ Magazine / newspaper subscriptions

❏ Investment companies ❏ Canada Revenue Agency ❏ Stockbroker ❏ Credit card company

❏ Catalogs ❏ Place of worship ❏ Update your driver’s license

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 25

INNER CITY

lives large

26 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

BLV GE D.

TR

HIL L NO SE

AIL EY TR STON

SH AG AN

DR .

NA

PI

TR AIL

DE

ER

FO

N COU

NOSE HILL PARK

JO

HN CR LA OW UR IE CH BLV ILD D. TR AIL

CALGARY INTERNATIONAL AIRPORT

64 Ave

16 AVENUE

4

SARCEE TRAIL

TRA

IL

IV E 03 OVATION

BY INTERGULF CIDEX

#2105, 99 Spruce Place S.W.

36 STREET

03 17 Ave

07

08

05

16

11

09

04 T HE LANDINGS

BY STATESMAN

771 Patrick St. S.W.

05 O VERTURE

BY JAYMAN MODUS

Sales Centre Now Open in Currie Barracks

06 S AWYER SILVERADO

BY AVI URBAN 175 Silverado Blvd S.W.

07 G LAS

BY AVALON

GLENMORE RESERVOIR

BARLOW TRAIL

ORE

DR

MacLEOD TRAIL

NM

1020 194th Ave S.W. www.hunterhouseliving.com

ME M O R I AL

37 STREET

GLE

69 STREET

85 STREET

12

01 H UNTER HOUSE

BY STREETSIDE DEVELOPMENT 16 AVENUE

BLACKFOOT TRAIL

OLD BANFF COACH ROAD

32 Ave

EDMONTON TRAIL

E

14 STREET

ENU

ELBOW DRI VE

16 A V

CENTRE STREET

SOUTHWEST COMMUNITIES

SOUTHLAND DRIVE ANDERSON ROAD

DEERF

OOT T

W BO

CRE

Presentation Centre: 2719 14th St. SW

09 M ISSION 34

BY ASSURED DEVELOPMENTS

11 C URRIE BARRACKS

BY CANADA LANDS COMPANY

AIL

TR

AIL D TR LEO SHERIFF KING ST. SW

VITT

McKE 01 06

194 AVE

Mac

S JAME

SHAWNESSY BLVD.

08 A LEX

BY ASSURED DEVELOPMENTS

98 Mission Road SW mission34.ca

M

EK P ARK

TTO BO

FISH

RAIL

2712 17th St. SW

UIS

MARQ

RNE OF LO

TRAIL 12

J5, 2953 Battleford Ave. S.W.

IGHTY5NINE E

BY VERTICAL PROPERTIES

882 - 85 Street SW eighty5nine.com

16 E INSTEIN

BY PROVIDENCE GROUP 1521-26th Ave. Discovery Centre Now Open 139-17th Ave. SE

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 27

WITH THOUSANDS OF CONDOS SOLD

KissYour Landlord Goodbye!

WE ARE ALBERTA’S TOP SELLING CONDO BUILDER

ARE YOU TIRED OF RENTAL INCREASES?

M

2 BEDROOMS FROM

130’s

$

WHY RENT WHEN YOU CAN OWN FOR

PAYMENTS FROM $209 BI-WEEkLY* YOU QUALIFY WITH A YEARLY HOUSEHOLD INCOME OF $32,300

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Prices shown do not include GST and are subject to change without notice. *Ask for details, based OAC. Rendering shown is an artist concept only, actual building details may vary.

Cre

AIRDRIE R 8 ST

FOR MORE INFORMATION:

RAILW

YANKEE V

ALBERTA’S #1 CONDO BUILDER

ER

MAYBE IT’S BECAUSE WE’RE SO EAGER TO PLEASE I N

A I R D R I E

2 BEDROOMS FROM

$130’s

2 BEDROOMS FROM

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LY*

0

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ASK ABOUT OUR EASY DOWN PAYMENT PLAN!

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OUR RECENT LAUNCH WAS A TREMENDOUS SUCCESS BUT THERE ARE STILL A FEW VERY DESIRABLE SUITES AVAILABLE!

HIGHWAY 2

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5TH AVE. SW

DOWNTOWN

LRT STATION

12TH AVE. SE 12TH AVE. SE

Memor ial Driv e

11TH AVE. SE

14TH AVE. SE

17TH AVE. SE

Riverfro nt Ave

NE

SE

3 Street SE

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PROjECT LOCATION CENTRAL SALES CENTRE

Macleod Trail SE

SALES CENTRE HOURS: Mon -Thurs 2-8 pm Sat, Sun & Holidays 12- 5 pm Closed Fridays

1 Street SE

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#2105 - 403 MacKenzie Way SW Airdrie, East of 8th Street

Centre Street S

MCKENZIE WAY

RAILWAY AVE

MAIN ST

8 ST

AIRDRIE ROAD NE

AlbertParkStation.ca

27TH ST. SE

SHOWSUITE NOW OPEN

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ue SE 5 Aven

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Prices shown do not include GST and are subject to change without notice. *Ask for details, based OAC. Rendering shown is an artist concept only, actual building details may vary.

CONTEMPLATING CONDOMINIUMS

// by Linda Palfi

Condominium reserve funds are vital

Linda Palfi is a condominiumspecialist 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. Call Linda for more information at 403.998.7732

W

hether it is a new development or a longstanding condominium complex, every condominium corporation should have a capitalreplacement reserve fund.

This rainy-day fund is simply the cash reserve that condo owners put aside jointly to ensure they will have the money needed when major work needs to be done, such as re-roofing the building, repairing a major water leak, or replacing a hot-water boiler.

Unlike regular maintenance paid from the annual operating budget, these are “capital” items that can cost big dollars.

The reserve fund can be built up over a number of years, sometimes following a reserve-fund study, which lays out which components are expected to wear out in what year in the future. Their projected replacement costs at that time are calculated, and then annual

contributions to the fund are made to cover the projected expense by the time that year arrives.

But even without a fancy study or projection, every homeowner – condo or otherwise – knows darn well that they’d better have some money in the bank for that rainy day when the roof finally starts to leak in a serious way.

This applies to new developments, as well as older places which, of course, can expect greater costs in the near future, as aging components need replacement. A brand-new condo apartment building or townhouse development may have all new components, yet things can and do go wrong.

If you’re buying into a new project, find out if the developer is being generous enough to put $30,000 or $50,000 down to open the reserve account. In the grand scheme of things, that’s not unreasonable, and it gives the new owners a place to start along with a sense of security.

Before buying a condominium, the budget and reserve fund should be reviewed closely. A condominium-specialist realtor will be able to give insight into the issues. Otherwise, a professional review of all the condominium documents before you finally buy is well advised. Some condominium realtors now include such a thorough review in their package of professional services.

Before buying a condominium, the budget and reserve fund should be reviewed closely If your target condominium project is new, ask whether the developer is chipping in to open a reserve account. As well, take a critical look at the monthly condominium “fee”– really, a contribution to your own joint monthly operating expenses and to the reserve fund. Developers sometimes set these unrealistically low. The community of owners could soon find that they need to self-impose an increase to fund operations and to build up the reserve fund.

If your target condominium project is older, look for a more substantial reserve savings account and generous annual contributions to it from the operating budget. All the better if there is a reserve-fund study in place, but that’s not as vital as the corporation simply having the cash. A walk around the development will soon reveal if major work needs to be done. If it does, and if there’s little money in the bank, find yourself a better-managed condominium corporation.

And who owns the reserve fund? You all do; and it stays with the living unit when you sell it – that’s one reason some condo owners fight making contributions. Yet condominiums obtain their highest market value when buyers are confident that the corporation is well run, well funded, and that a modest but necessary cash reserve is part of the land and housing asset they are buying into.

30 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

Jayman-Modus 03-07-14.indd 1

2014-02-26 4:30 PM

Life happens on the inside. so you’re looking for a condo or townhome that fits your life. take a moment to think about this. Modus offers more choice in alberta than any other multifamily builder. the largest combination of interior options, amenities, models, building styles, communities, cities, pricepoints and services. With choices like this your new home is really only limited by your imagination.

so buiLd your hoMe around your Life, not the other Way around.

Jayman-Modus 03-07-14.indd 2

2014-02-26 4:30 PM

W i t h M o d u s yo u g e t: ■■■

........................................................... a solid and thoughtfully designed product based on 30 plus years of industry experience.

■■■

the best in industry interest rates.

■■■

into your home easier by making an initial downpayment and then monthly installments up until move in date.

■■■

an improved quality of living with included amenities like gyms, courtyards, parks, party rooms and more.

■■■

a smooth transition with our complimentary moving van.

■■■

help selling your home for the best possible market value.

■■■

one year jayman service warranty.

■■■

to save money on legal fees.

Jayman-Modus 03-07-14.indd 3

2014-02-26 4:30 PM

Move in Summer

3 bedroom townhomes with garage

Signature Residences + Luxury Penthouses

Be Charmed by a Community that has been Designed for the Ages

Upscale City Living at its Finest

featuring:

featuring:

• 1411 – 1466 sq ft boulevard townhomes • 1578 – 1638 sq ft extra wide ravine homes • Almost all homes have south facing rear decks • Heated double garage • Stainless steel appliance package • Washer & dryer

• 1-3+ bedrooms • 870 sq ft – 2543 sq ft • Airy 10’ ceiling heights • Upscale premium finishes • Air conditioning • Underground heated garage

from low

$300’s+GST

9 Nolan Hill Blvd NW

Jayman-Modus 03-07-14.indd 4

$470’s to $1.5m+GST

from

Building J5, 2953 Battleford Avenue SW

2014-02-26 4:30 PM

Move in Summer

2 & 3 bedroom townhomes with garage

1 & 2 bedroom condos

The Ultimate in Choice all within a Four Season Lake Community featuring: • 1170 sq ft – 1649 sq ft • 9’ ceilings on main floor • Single, tandem and double heated garage • Stainless steel appliances • 3 interior color palette choices • Washer & dryer

from

$298,900+GST

211 Mahogany Way SE

Jayman-Modus 03-07-14.indd 5

featuring: • 7 floor plans • 622 sq ft – 1040 sq ft • 9’ ceilings • Engineered laminate flooring • Ceramic tile flooring • Granite countertops • Stainless steel appliances • Washer & dryer • State of the art fitness gym

from

$170’s+GST

211 Mahogany Way SE

2014-02-26 4:30 PM

Move in Now

Coming March 2014

Only 15 available 1 & 2 bedroom condos Plain and Simple, Homes that Work. featuring:

2 & 3 bedroom townhomes with garage Distinctive Townhomes Built on Decades of Experience

R

Register online for more information and to be part of the unveiling.

B

Coming Spring 2014

Town of Cochrane

• Only 22 remaining • Up to 1213 sq ft • Quartz countertops • Laminate/ceramic tile flooring • Unobstructed mountain views • Heated underground parking • Storage space

S

Evansridge NW Coming Late Spring 2014

$179’s to $340’s+GST

from

2 & 3 bedroom townhomes with garage Live the Picturesque Life You Love Coming Spring 2014

207 Sunset Drive, Cochrane

Jayman-Modus 03-07-14.indd 6

Cochrane

2014-02-26 4:30 PM

G

T

The name Modus stands for how we do things. In the past 30 years we have learned that to improve the quality of our customers’ lives it’s important that we build around their lifestyles and not the other way around. This is how we do things. We are there for you through the entire process and have the experience and connections that no other multifamily builder has. This ensures the smoothest transition possible during your homebuying experience.

It’s just what we do.

Jayman-Modus 03-07-14.indd 7

2014-02-26 4:30 PM

Sales Centre Hours: Mon to Thu 2 - 8 pm S a t / S u n 12 - 5 p m

j ay m a n . c o m / m o d u s / j ay m a n m o d u s Jayman Modus Calgary is a Builder of Excellence for providing “An Outstanding Home Ownership Experience� for Multi-Family Homes in Alberta.

Based on the J.D. Power and Associates 2013 Alberta Multi-Family New Home Builder Customer Satisfaction StudySM conducted in association with the Professional Home Builders Institute of Alberta. Study measures ANHWP builder members and participating builder members of PHBIA, which represent more than two-thirds of all new single-family homes built in Alberta. For more information, visit jdpower.com

Jayman-Modus 03-07-14.indd 8

2014-02-26 4:30 PM

Dear Mortgage, I’m taking time off to give something back.

Take time off from your mortgage payments.

A flexible mortgage from TD lets you dedicate time to making the world a better place. Just add a little extra to your regular payments and you could have the option to take a payment vacation for up to four months1. It’s just one of TD’s flexible mortgage features.

Visit a branch or tdcanadatrust.com/paymentvacation

1

Conditions apply. See us for details. ® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 31

ontario.indd 1

2/19/14 12:29:52 PM

3-storey townhomes in north Calgary from the mid $280,000’s.

ST

32

REDSTONE

2012

NE

Register at Kintalla.com

SALES CENTRE

GROVE

CHBA - Calgary Region

REDSTONE

It’s time to start your story at Kintalla.

Show suites opening in March.

NE

METI S TRAIL NE

Kintalla Is Over 50% Sold

RE PL DST AZ ON A E

REDSTONE

DR NE

128 AVE NE

Visit our sales centre at 150 Redstone Grove NE or call 587.353.9201.

METIS TRAIL

NORTHEAST COMMUNITIES 05

SADDLETREE DR.

52 STREET

DE

TR A PI NA

05 C OVENTRY STATION

BY HUNTER RESIDENTIAL DEVELOPMENTS

03 09 80 Ave

13007 Coventry Hills Way NE www.coventrystation.ca

10

CALGARY INTERNATIONAL AIRPORT

64 Ave

CENTRE STREET

12 AVENUE

32 Ave

4303 - 1st Street NE

IVE

36 STREET

09 T HE GARDENS OF SADDLESTONE

BY GENESIS BUILDERS GROUP

17 Ave

329 Saddlelake Dr. NE

10 I NDIGO SKY AT TARA LAKE

BY CARLISLE GROUP Sales Suite 68 Street & 80 Avenue NE

52 STREET

BLACKFOOT TRAIL

IVE ELBOW DR

08 H IGHLAND PARK

BY STONECROFT

IAL DR

R MEMO

02 4 3 PARK

BY VERICON REAL ESTATE VENTURES

11 K INTALLA

BY STREETSIDE DEVELOPEMENTS

43park.ca

MacLEOD TRAIL

150 Redstone Grove NE www.kintalla.com

ANDERSON ROAD

DEERF

52 STREET

BARLOW TRAIL

GLENMORE TRAIL

SOUTHLAND DRIVE

12 A RRIVE @ REDSTONE

BY PARTNERS DEVELOPEMENT GROUP Coming Soon

13 E INSTEIN2 IN BRIDGELAND

BY PROVIDENCE GROUP Coming Soon Register: einsteincalgary.com

114 AVE SE

OOT T RA

IL

W BO

NEW BRIGHTON

IL

Mac

U

MARQ

AIL

NE TR

LOR IS OF

COPPERFIELD

IL

TRA

T

VIT McKE

D LEO

S JAME

TRA

EK P ARK

M

TTO BO

CRE

SHAWNESSY BLVD.

Skyview Ranch Rd & Skyview Ranch Dr

16 AVENUE

17 Ave

FISH

07 A RRIVE @ SKYVIEW RANCH

BY PARTNERS DEVELOPMENT GROUP

13

04 MEMO 02 01 RIAL D RIVE

GLENMORE RESERVOIR

6 Saddlelake Place NE

68 STREET

14 STREET

16 AVENUE

Coming Soon bridgelandcrossings.com

06 S AFFRON

BY GENESIS BUILDER’S GROUP

MCKNIGHT BLVD.

08

01 B RIDGELAND CROSSINGS

BY APEX CITY HOMES

06

64 Ave

84 STREET

CRI J OW OHN CH L ILD AUR IE TR BLV AIL D.

FA L RID CON GE

NOSE HILL PARK

EDMONTON TRAIL

SH AG AN

04 S TEPS BRIDGELAND

BY GIUSTINI BRIDGES IN. Sales Centre 921 - 1st Ave. NE www.stepsbridgeland.com

ER

IL

CO

68 Street NE & 80 Avenue NE

07

COUNTRY HILLS BLVD.

FO OT TR AIL

VD. LS BL

Y HIL UNTR

03 I NDIGO SKY AT SADDLERIDGE

BY CARLISLE GROUP

STONEY TRAIL 12 11

CHAPARRAL CRANSTON

ABURN BAY

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 33

FUNDAMENTALLY SPEAKING

// BY WAYNE KARL

HOW TO FIND A HOME?

Pay attention to location information and timing

D

espite what you often hear, finding that perfect home isn’t only about location, location, location. True, this is the time-tested first rule of real estate, but there are other determining factors you must consider as part of your selection process. Indeed, there’s a new rule of thumb for buying real estate.

LOCATION

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics of buying property. He can be reached at wayne.karl@wall2wallmedia.com or follow him on Twitter at Twitter.com/WayneKarl

First, what does that old adage really mean? Of course, we’d all love a high-end home in the best neighbourhood. But that’s not always possible. For your own enjoyment while you live in your home as well as for future resale potential, proximity to transportation, shopping, schools and other amenities is among the key determinants that affect your property’s appeal and ultimately its value.

After all, those are the qualities potential buyers look for when searching for a home; the more of them your home has when you go to sell, the more desirable it will be to a greater number of people. This equates to demand – multiple offers and a higher price.

INFORMATION

Whether you’re a first-time homeowner, “buying up” to accommodate a growing family or “right-sizing” as an empty nester, education is critical. And these days, with digital media and mobile technology, all the information you need is at your fingertips. From the content here in this magazine, to the resources available to you at Canada Mortgage and Housing Corp. (CMHC), to the local market expertise of new-home sales staff and realtors, the more knowledge you have, the better equipped you are to make informed decisions about buying, maintaining and eventually selling your home.

TIMING

Like any financial instrument, real estate can fluctuate in value and your timing can determine how good of an investment it is

Though your home is your primary residence, it is also an investment. Where you buy is usually determined largely by where you want to live, work and play.

But when you buy and sell is also important. Like any financial instrument, real estate can fluctuate in value and your timing can determine how good of an investment it is. Given today’s challenging economic climate, there’s no shortage of media reports on the ups, downs, crashes and surges of the housing market. But if you’ve done your research, you won’t be spooked – or excited – by big-picture reports on short-term market performance. You know that real estate is not national or even regional – it’s very specific. You don’t buy the Canadian market and you don’t buy a provincial or even regional market. You buy a specific home, on a specific street in a specific neighbourhood.

So, it’s not just about “location, location, location.” The new adage is “location, information and timing.” Do well with all three, and over the long haul your home is going to be one of the best lifestyle and investment decisions you ever made.

34 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

ARRIVE HAPPY With homes starting in the $280s, Arrive at Redstone is at the forefront of a sustainable townhome revolution. Our multi-family units feature spacious floor plans with 2 - 4 bedrooms, 2.5 baths, an essential single vehicle garage, and exclusive green spaces. Arrive home.

Showhome Hours Monday to Thursday 2 - 8pm Saturday to Sunday 12 - 5pm Showhome Address 102 Skyview Ranch Road NE 403 264 8963

128 AVE

D

EE TR RF A OO IL T

NE

METIS TRAIL

STONEY TRAIL

COUNTRY HILLS BLVD BUILT BY

CERTIFIED BY

A R R I V E H O M E .C A

WHAT YOU SEE IS WHAT YOU GET

Construction at The Edge in Airdrie is now complete, which means your new home is ready for you. Tour your home before you decide to move in – what you see is exactly what you get! Our condos start as low as the $217’s, so take the tour today at 604 East Lake Blvd NE. Immediate Possessions.

Over 75% Sold.

@StreetsideYYC

condosinairdrie.com

36 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

403.980.2817

CALGARY’S SATELLITE COMMUNITIES 22

AIRDRIE

03

02

COCHRANE

07

08

10 12

13

06 04

24 Sunset Rd. Cochrane, Alberta

11

09

20

1A

20 SUNSET

BY JAYMAN INNOVATIONS

AIRDRIE

2

09 CREEKSIDE VILLAGE

BY CARLISLE GROUP

05

8th & MacKenzie Way Airdrie, Alberta

01

10 STONEKEEP AT KING’S STRATHMORE HEIGHTS TOWNHOMES

BY MERGE 1DEVELOPMENTS

1

CALGARY

15

CHESTERMERE

797 LANGDON

22X

22X

1225 King’s Heights Way SE Airdrie, Alberta

11 THE EDGE

BY STREETSIDE DEVELOPMENTS

604 East Lake Blvd N.E. Airdrie, Alberta

12 RAVENSWOOD TOWNHOMES

BY SLOKKER CANADA WEST

22X

17

546

TURNER VALLEY

2802 Kings Heights Gate

2

BLACK DIAMOND

13 BROOKSIDE AT BAYSPRINGS

BY MERGE DEVELOPMENTS

OKOTOKS

543

Coming Soon to Yankee Valley Blvd. and 24th St. SW BrooksideAtBaysprings.com

2A

15 CHESTERMERE TOWNHOMES

BY SLOKKER CANADA WEST

22 HIGH RIVER

COCHRANE 01 RIVERSTONE AT COCHRANE

BY SLOKKER CANADA WEST INC. 240 Riverview Drive in Cochrane

02 HEARTLAND TOWNHOMES

BY EXCEL HOMES 1178 Clydesdale Way, Cochrane, Alberta

#300 Marina Drive, Chestemere

03 CONCEPT

BY JAYMAN MODUS

06 THE VILLAGE

BY CALBRIDGE HOMES

04 SUNSET POINTE

BY CALBRIDGE HOMES

07 RIVERREACH VILLAS & MANORS

BY JAYMAN MASTERBUILT

201 Sunset Drive, Cochrane, Alberta

302 Sunset Pointe Cochrane, Alberta

05 STONE CREEK LANDING

BY CARLISLE GROUP 103 - 5th Avenue, West, Cochrane, Alberta

3102-15 Sunset Square Cochrane, Alberta

17 MOUNTAINVIEW PLACE PHASE II LETHBRIDGE

BY SPAN WEST CONSTRUCTION 408 - 1st Ave S.E. Black Diamond, Alberta

13 Riviera Way Cochrane, Alberta

08 THE RANGE

BY BIRCHWOOD PROPERTIES CORP. 101 Heartland Avenue Cochrane, Alberta

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 37

SATELLITE COMMUNITY

Choose the perfect style for you.

With an array of home styles and plans, StoneKeep gives you real options.

Streetside Series

Backyard Blocks

Courtyard Collection

220’s

TOWNHOMES STARTING IN THE

Charming front porches

Quiet backyard retreat

Spacious single level living

Two and three bedroom townhomes with attached garages and a central landscaped park, all in a great Airdrie neighbourhood.

Visit us at 1225 King’s Heights Way SE. From the QE2, take Yankee Valley Blvd. East & follow the King’s Heights signs.

$

NOW OPEN

587-360-2510 | STONEKEEP.CA

Make Your Move

packing tips to make your move a little easier ❏ Gather boxes in all sizes from friends, neighbours and stores.

❏ Collect cushioning material such as bubble wrap, foam

pellets, furniture pads, old blankets, plastic bags, tissue paper, newspapers and small towels to use as padding inside boxes.

❏ Create a “portable packing kit” with marking pens, a tape measure, packing tape, twine and scissors. Carry it with you as you pack up items in your home.

❏ Reinforce the bottom of boxes with extra tape for added strength.

❏ Label each box with the name of the room in your new home where it should be placed.

❏ List the contents of the box on the side of it.

38 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

❏ Clearly label boxes containing fragile items. ❏ Place china in plastic bags and stack plates upright on their sides, not flat.

❏ Pack your TV, stereo and computer in their original boxes whenever possible.

❏ Keep boxes to 50 pounds or less. ❏ Pack heavy items into their own smaller boxes and place

lighter items together into larger boxes. (Hint: Don’t pack all your books into one box!)

❏ Don’t move flammable, combustible, corrosive or

explosive items such as paint, gasoline and ammunition.

❏ Pack a bag of personal items you’ll need during the move and keep it in an easy-to-find place.

IBJ-CG-FP-- 7.5 x10.5 Sunset 2.21.14.pdf 1 2/21/2014 2:30:13 PM

SATELLITE COMMUNITY

C

M

Y

CM

MY

CY

CMY

K

39

NORTHWEST

SAGE VALLEY RD.

N

GE VALLEY BLVD. SA

SH A AG PPI TRAIL NW

NA

40

NORTHWEST COMMUNITIES

ENU

E

14 ST RE ET

19

FO OT TR A ER DE

16 Sage Meadows Circle NW 32 Ave 18 S ONOMA AT SAGE HILL

BY VERTICAL PROPERTIES

881 Sage Valley Boulevard www.sonomasagehill.com 16 AVENUE

19 9 16

BY SABLE DEVELOPMENTS

ME M O R I AL

21

DR

36 STREET

05 E NCORE AT KINCORA

BY CARLISLE GROUP

37th Street and Kincora Glen Road N.W.

06 T RINITY

BY JAYMAN MODUS 9 Nolan Hill Blvd. NW

03 V IRIDIAN

BY TRICO HOMES 04 S WAN LANDING

BY SWAN GROUP

GLENMORE RESERVOIR

Sales Centre 1120 Kensington Rd

22 A VIRA

BY JAYMAN MODUS Coming Soon

500 Rocky Vista Gardens N.W.

BARLOW TRAIL

MacLEOD TRAIL

Sage Hill View NW

64 Nolan Hill Gate www.aviurban.com/thepost

21 L IDO

BY BATTISTELLA

BLACKFOOT TRAIL

37 STREET

Centre Now Open E IVSales

20 T HE POST (NOLAN HILL)

BY AVI URBAN

17 Ave

07 S AGE HILL VILLAGE

BY SLOKKER CANADA WEST INC.

Sales Centre Now Open 3503 Sage Hill Drive NW

13001 Coventry Hills Way www.coventrystation.ca

17 B ROWNSTONES

BY GENESIS BUILDERS GROUP

ELBOW DRI VE

RE T

BY BUCCI RAIL Coming Soon Show Suite 306 10th St. NW

5353 Crowchild Trail NW

16 C OVENTRY STATION

BY HUNTER RESIDENTIAL DEVELOPMENTS

CALGARY INTERNATIONAL AIRPORT

02

SARCEE TRAIL

69 STREET

85 STREET

175 Panatella Hill NW GLE 02 VEN NM O

15 T HE GROVES OF VARSITY

BY STATESMAN HOMES

W

16 AVENUE

01 P ANORAMA WEST

BY CARDEL LIFESTYLES

14 U NIVERSITY CITY

BY KNIGHTBRIDGE

IL N

64 Ave

OLD BANFF COACH ROAD

livesagestone.com

IL

01 .

BLVD S L IL 05 TRY H N COU BED DIN GTO NT RA

NOSE HILL PARK

JO HN CR LA OW UR 14 IE CH BLV ILD D. T R 08 AIL

13 S AGESTONE

BY GREENVIEW DEVELOPMENTS

22

EDMONTON TRAIL

AIL 16 A V

16

Now Open Show suite 175 Panatella Hill NW

STONEY TRAIL NW

HA RV BLVEST H D N ILLS E

AIL TR AP I SH

AG AN N

HIL LD R. NO

Y TR

SE

E STON

15

10 S AGE PLACE

BY CARDEL LIFESTYLES

CENTRE STREET

STONEY TRAIL NW

04

3951-46 Avenue NW

CENTRE STREET

PANORAMA ROAD NW.

07 13 20 10 18 17 03 SY MO NS VA LLE 06 YR D.

14 STREET

COUNTRY HILLS BLVD.

85 ST. NW

ROCKY RIDGE BLVD.

144 AVE NW.

08 V ARSITY LANDING

BY CARLISLE GROUP

SOUTHLAND DRIVE ANDERSON ROAD

DEERF

OOT T

W BO

CRE

AIL TR

AIL

VITT

McKE

TR OD

LE Mac

S JAME

SHAWNESSY BLVD.

EK P ARK

M TTO BO

FISH

RAIL

IS OF

U MARQ

E LORN

TRAIL

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 41

CoNDo Profile

TriCo PreSeNTS

vivid, vibrant Viridian in Sage Hill // BY HeATHer rYAN

v

ivid, vibrant, versatile – all this and more describes Viridian, the newest condo project being offered in northwest Calgary’s popular Sage Hill.

Being crafted by Trico Communities, Viridian will eventually be comprised of 359 suites in six three-storey buildings on the northwest corner of Symons Valley Road and Sage Hill Drive, overlooking a ravine in Sage Hill.

“We’re really excited about the location and launch of the first phase in our first building,” says Cindy Arevalo, area sales manager along with Warren Martz. “Viridian offers urban living in the suburbs, so it presents a contemporary look exterior with vivid colours of green,

blue, red, orange and brown that is going to look very clean, vibrant and will have great curb appeal.

“The interiors also offer a contemporary, modern feel with open-concept designs and our customers are really pleased with having higher standard specifications at an affordable price point,” she says, adding that prices range from $178,900 to 289,900 plus GST. “They’re getting features most people want that they normally couldn’t qualify for as a first-time buyer.”

The first building includes 77 suites – with 28 available in the first phase – offering versatile floor plans to meet various buyers’ needs. The 15 floor plans range from 629 to 966 sq. ft. in one-bedroom, one-bedroom-plus-den, two-bedroom and two-bedroom-plus-dens designs.

“What’s great is we have three modern colour schemes to choose from and we have three upgrade packages available, so people can really put their own personal touch on their suites,” Arevalo says.

Interiors also come standard with incredible high-end specifications, such as nine-ft. ceilings, in-floor heating, granite countertops in the kitchen and bathrooms, and tile and laminate flooring.

Kitchens come with fabulous stainless steel appliances – slide-in range, fridge, dishwasher and over-the-range microwave/hood fan, 42-inch tall cabinets, full-height tile backsplash, and many suites have islands or peninsulas. The suites also come with a stackable, front-loading washer and

42 NEW CoNdo GuidE | Volume 17 issue 03 | newcondoguide.com

CoNTiNueD oN PAGe 43…

condo profile continued… dryer, one-inch aluminum blinds, balconies or patios with gas line hookups, and a surface or underground parking stall.

Buyers will also love Viridian’s vibrant location with established amenities such as parks, ponds and pathways in Sage Hill, and being within walking distance to the Symons Valley Ranch Farmers’ Market which is open year round. It’s also minutes from grocery stores, restaurants, shops and services in both Creekside and Beacon Hill, and it’s a short drive to CrossIron Mills mall.

An added benefit, Viridian has quick access to several major routes including Stoney Trail, Sarcee Trail, Symons Valley Road, Shagannapi Trail, Beddington Trail and the Deerfoot for an easy commute to downtown, the airport, points across the city and out-of-town to the foothills and mountains.

To learn more about Viridian, and take advantage of introductory prices for Phase 1, visit the sales centre at 3503 Sage Hill Dr. N.W. open Monday to Thursday from 2 to 8 p.m., and weekends from noon to 5 p.m. Call 587.296.2283, email viridian@tricohomes.com or visit viridiancondos.ca.

Suite B

‘‘ We didn’t need to build our dream home. ‘‘

Trico had already done it.

Trico Quick Possession Homeowner

NOW BUILDING IN 15 AMAZING COMMUNITIES IN CALGARY & SURROUNDING AREAS Scan to see what else our homeowners are saying!

Every owner has their own reason for falling in love with their Trico Home.

For Carmen it was the spacious layout, the “spectacular kitchen” and “awesome” ensuite. So tell us your wants, needs and desires for your new home. We want this to be a love affair that lasts and lasts.

Homes that fit...your wishlist.

tricohomes.com newcondoguide.com | Volume 17 issue 03 | NEW Condo Guide 43 TC-12220 NHG HP Feb28 v1.indd 1

DATE:

F I L E

14-02-13 4:24 PM

N A M E S

A R E

F O R

I N T E R N A L

U S E

O N LY

CMHC report

Housing starts to stabilize in 2014 and 2015

Canada Mortgage and Housing Corp. (CMHC) expeCts Housing starts to stabilize in 2014 and 2015. Support from improved economic and demographic fundamentals will be tempered by a combination of a modest and gradual increase in mortgage rates and a slowdown in demand from first-time buyers, according to CMHC’s first quarter 2014 Housing Market Outlook, Canada Edition.

“With a relatively high number of units currently under construction, we expect builders will gradually adjust their activity in order to reduce their level of inventory,” says Mathieu Laberge, deputy chief economist for CMHC. “Housing demand for resale market homes will continue to be sustained despite expected modest and gradual increases in mortgage rates toward the end of the forecast horizon,” Laberge adds.

On an annual basis, housing starts are expected to range between 176,600 and 199,800 units in 2014, with a point forecast of 187,300 units, relatively unchanged from 187,923 units in 2013. In 2015, housing starts are expected to range from 163,200 to 206,600 units, with a point forecast of 184,900 units.

Multiple Listing Service (MLS) sales are expected between 436,000 and 497,000 units in 2014, with a point forecast of 466,500 units, up from 457,485 in 2013. In 2015, sales are expected from 443,400 to 506,000 units, with an increase in the point forecast to 474,700 units.

The average MLS price is forecast between $380,100 and $400,700 in 2014 and between $384,300 and $409,900 in 2015. CMHC’s point forecast for the average MLS price calls for a 2.1-per-cent gain to $390,400 in 2014 and a further 1.7-per-cent gain to $397,100 in 2015.

CMHC draws on more than 65 years of experience to help Canadians access a variety of quality, environmentally sustainable and affordable housing solutions. Call 1.800.668.2642 and visit cmhc.ca for more information.

Classic Bearspaw Views. Brand New Villas Lifestyle.

Now there’s a way to live a life without compromise and enjoy exceptional views of the Rockies every day. The Villas at Watermark have raised the bar for a modern lock-and-leave lifestyle, with spacious, walk-out floorplans, just 20 minutes from downtown.

Come and see for yourself.

T: 403.474.5985

Calgary’s fastest-selling Villa community. From the mid $700,000s.

REGISTER NOW: VillasAtWatermark.com

NEW CONDO GUIDE Client: MacDonald Development Project: Villas at Watermark Dimensions: 6.75” x 4.625”

44 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

20 MINS. TO CALGARY

This is not an offering for sale. Such an offering can only be made with a disclosure statement. E.&O.E.

NORTHWEST

CHBA - Calgary Region

2012 CHBA - Calgary Region

Celebrating 2011 25 Years

Awa rd W i n n i ng Co nd o s i n Vars i ty

LIVE WORK SHOP PLAY Awesome Location 5 minutes to U of C, 10 minutes to Downtown Top Notch Concrete & Steel Construction Private Penthouse Health Club Walk-Up Dalhousie Station LRT Access

From the 290s to 600s 780 Varsity Estates Dr NW Calgary, AB T3A 1W9 Telephone: 403.286.8143 | www.grovesofvarsity.com

45

SOUTHEAST

46

FA L RID C GE

MCKNIGHT BLVD.

EDMONTON TRAIL

14 STREET

CENTRE STREET

INTERNATIONAL AIRPORT

16 AVENUE 12 AVENUE

68 STREET

CRI J PARK OW OHN CH L ILD AURI E TRA BLV IL D.

32 Ave

16 AVENUE

RIVE RIAL D

MEMO

RIAL D RIVE

SOUTHEAST COMMUNITIES 36 STREET

MEMO

52 STREET

ELBOW DRI VE

211 Mahogany Way

09

14

116 Quarry Park Way SE

W BO

15 EDISON

BY AVI URBAN

NEW BRIGHTON

M AIL

TR

AIL

VITT

D TR

McKE

F UIS O

MARQ

IL E TRA LORN

CHAPARRAL

15

02 11

16

LEO

Mac

S JAME

285 Walden Drive SE aviurban.com

TTO BO

EK P ARK

01

10

23

12

MAHOGANY

20

Corner of Cranford Dr and Cranston Gate SE Register: www.cardellifestyles.com/ cranston-ridge

02 COPPERFIELD PARK

BY BRAD REMINGTON HOMES 279 Copperpond Common S.E.

03 MUSKOKA

BY BROOKFIELD HOMES 65 Auburn Meadows Way

04 MOSAIC LAKESIDE AUBURN BAY

BY BROOKFIELD HOMES

22

03 04

13

16 06 08 13

01 CRANSTON RIDGE

BY CARDEL LIFESTYLES

16 AUBURN BAY

BY STONECROFT

COPPERFIELD

AUBURN BAY

CRANSTON

05

27 Auburn Bay Link SE

206 Cranford Drive SE

14 BOULEVARD TOWNES

BY BIRCHWOOD

114 AVE SE

DEERF18 OOT T RAIL

CRE

13 MOSAIC CRANSTON

BY BROOKFIELD HOMES

84 STREET

52 STREET

BARLOW TRAIL

19

ANDERSON ROAD

SHAWNESSY BLVD.

1797 Copperfield Blvd SE

GLENMORE TRAIL

SOUTHLAND DRIVE

FISH

11 CHALETS IN COPPERFIELD

BY SABAL HOMES 12 EBONY

BY JAYMAN MODUS

MacLEOD TRAIL

GLENMORE RESERVOIR

17 Ave

BLACKFOOT TRAIL

17 Ave

SETON BLVD.

Corner of Seton Blvd and Auburn Bay Link SE

17 MOSAIC MIRAGE

BY BROOKFIELD HOMES 347 MacKenzie Towne Gate

18 THE GATES

BY REMINGTON DEVELOPMENT CORPORATION Presentation Centre: 350 Quarry Park Blvd SE

19 CHAMPAGNE

BY REMINGTON DEVELOPMENTCORPORATION

05 LEGACY STREET TOWNS

BY HOMES BY AVI

Quarry Park Blvd SE remingtoncorp.com

Coming Soon to the corner of 210 Ave. and Legacy Blvd.

20 CRANSTON PLACE

BY CARDEL LIFESTYLES

06 ZEN

BY AVALON MASTER BUILDER

302 Cranston Road SE

22 MAHOGANY STREET TOWNS

BY HOMES BY AVI

82 Auburn Bay Link SE

08 MUSKOKA

BY BROOKFIELD HOMES

13 Marine Dr SE

23 SYMMETRY AND HARMONY

BY STONECROFT

27 Auburn Bay Link SE

09 BRISTOL TOWNHOMES

BY BIRCHWOOD NOW SELLING

121 Copperpond Common SE

232 Quarry Park Blvd. SE

10 MCKENZIE TOWNE ELGIN

BY BROOKFIELD HOMES 585 McKenzie Town Drive SE

COPPERFIELD PARK II LOVE IT. LIVE IT. AFFORD IT.

CONDOS* FROM THE $130’S +GST Titled parking stall included.

*

www.copperfieldpark.com 403.723.0094 newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 47

The Pinnacle of

LUXURY A Brand New Magazine Dedicated to High-End Properties in Calgary and Area The only magazine of its kind in Calgary, Luxury Living showcases high-end homes, condos and properties. This is your exclusive opportunity to establish your property as the pinnacle of affluent living.

Pick up your FREE copy.

LINE AT BLE ON m AVAILA gary.co LivingCal Luxury

FE B-M AY

20 14

n legend Hometow

DEN R A N N JA S E COME COUTUR ARY TO CALG

EAT G THE GR ENJOYIN DECOR R OUTDOO

ANING TATE LE REAL ES LUXE DS TOWAR

TO BOOK YOUR ADVERTISING SPACE CONTACT: Natalie Houghton

Brought to you by the publishers of

587.226.1313

natalie.houghton@wall2wallmedia.com

SOUTHEAST

49

DESIGNER ADVICE

LIGHTEN UP with perfect pillows & throws // BY YANIC SIMARD

Urb

an

Bar

The Chameleon

n

WHEN THE SEASONS START TO CHANGE,

you may find yourself craving a new look indoors as well. Rather than undertaking a complete overhaul, you can refresh your family room or living area the easy way: with a suite of sofa accessories.

Whether you’re the type to pick one design style and stick to it or change your mind all the time, you can find a perfect pillow-and-throw combination for your personality from my guide here: The Chameleon If you love to change your look every season, take the opportunity to warm up your home environment early with a cable knit blanket, and printed pillows that make you think of the outdoors without having to go outside. Also grab a storage ottoman, and you’ll have ample space to keep these items stashed in the sunnier months (and store your summer look until warm weather returns).

West Elm

The Indecisive If you can’t settle on just one or two colours (even per season), you don’t have to. Choose items that feature blocks of multiple colours in coordinating tones, and they will still feel related even if you choose every hue in the rainbow. Break up the scheme with some neutrals to avoid total overload.

The Indecisive

The Glamorous Creating a look that says luxe is all about texture – adding a rich feel to the touch will add a rich look the eye. Try layering a sheepskin like a throw on a corner of the sofa, and contrast it with sequined pillows, like the Luxe Sequin Pillow from Indigo, mixing rugged and delicate fabrics with some sparkle for a Hollywood glam appeal.

The Glamorous

Indigo

50 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

C O N T I N U E D O N PA G E 5 2 . . .

SOUTHEAST

51

ZEN CG 201402.indd 1

19/2/14 21:12:51

DESIGNER ADVICE CONTINUED…

IKEA

The Classic The high contrast look of black and white is a striking classic. To keep it sophisticated, mix different patterns featuring both tones to soften the scheme (such as stripes, chevrons, and other geometrics), and have some favourite photos printed in grayscale and hung in simple frames for timeless elegance.

ds on ’s Ba om yC pa ny

The Cool, Calm & Collected Reduce your stress by choosing one soothing colour to stick with, like a pastel aqua shade, and mix different textures and subtle patterns for a feeling of restfulness. Choosing multiple pillows in the same size and shape also makes for easy mixing and matching – 18- to 20-in. squares are fairly common and can be combined over time from different stores.

The Classic Hu

The Bold The primary-colour stripes of an iconic Hudson’s Bay blanket feel classic yet modern, and utterly sophisticated; spread it out unfolded for maximum effect (over the full seat or even the entire sofa) and add an equally legendary Union Jack pillow for unapologetic personality.

The Bold

The Cool, Calm & Collected

Wes t El m

052 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

YANIC SIMARD is the design editor of New Condo Guide and principal designer of TIDG. Specializing in residential and commercial projects, Yanic often applies his signature high/low and old/new combination design techniques in developing unique interiors. Yanic 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.

Glenmore Trail

Carburn Park Quarry Park Blvd

SHOWHOMES

hS

24th Street

1 8t

Bow Rive r

rail ot T Deerfo

Market

t re

et

2

HI

GH

A

W AY 2

3

HW AY 1

HEARTLAND QU

IGL

N

.4 RD

HORSE CREEK ROAD

E NG

RA

HIG

GEO

EY

RGE

DR

.

TO CALGARY

GRIFFIN RD.

FOX TR

.

*Principle + interest, based on 5% downpayment.

53

homebuyers’ help

Condo hunter’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

condo #2

condo #3

condo #4

Project & address:

Project & address:

Project & address:

Project & address:

Salesperson:

Salesperson:

Salesperson:

Salesperson:

Phone:

Phone:

Phone:

Phone:

Developer/builder:

Developer/builder:

Developer/builder:

Developer/builder:

Type:

Type:

Type:

Type:

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

Sq. Footage:

Sq. Footage:

Sq. Footage:

Sq. Footage:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bedrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

# of bathrooms:

Interior appliances:

Interior appliances:

Interior appliances:

Interior appliances:

Options:

Options:

Options:

Options:

Parking facilities:

Parking facilities:

Parking facilities:

Parking facilities:

Special incentives:

Special incentives:

Special incentives:

Special incentives:

Price:

Price:

Price:

Price:

Down payment:

Down payment:

Down payment:

Down payment:

Condo fees:

Condo fees:

Condo fees:

Condo fees:

Financing available:

Financing available:

Financing available:

Financing available:

Other comments:

Other comments:

Other comments:

Other comments:

54 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

homebuyers’ help

Condo Buyers’ Resource Section You love the condo, see what you can afford!

Compare mortgage rates for your best deal Calculate your mortgage payments using the mortgage payment calculation chart

55

homebuyers’ help

you loVe the conDo, see WHAT you CAn AFFord!

Interest rates

calculate Your MortGaGe PaYMents

aMortIZatIon PerIods

% 10 Years

15 Years

20 Years

25 Years

30 Years

5.00%

10.58

7.88

6.57

5.82

5.34

5.25%

10.70

8.01

6.74

5.96

5.49

5.50%

10.82

8.14

6.85

6.10

5.64

5.75%

10.94

8.27

6.98

6.25

5.79

6.00%

11.07

8.40

7.12

6.40

5.95

6.25%

11.19

8.53

7.26

6.55

6.11

6.50%

11.31

8.66

7.41

6.70

6.26

6.75%

11.43

8.80

7.55

6.85

6.42

7.00%

11.56

8.93

7.69

7.00

6.59

7.25%

11.68

9.07

7.84

7.16

6.75

7.50%

11.81

9.21

7.99

7.32

6.91

7.75%

11.94

9.34

8.14

7.47

7.08

8.00%

12.06

9.48

8.28

7.63

7.25

8.25%

12.19

9.62

8.44

7.79

7.42

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)

chart fIGure

aMount of MortGaGe dIvIded BY 1,000

aMortIZatIon aMount

aMortIZatIon aMount

estIMated MonthlY taXes and heat

MonthlY PaYMents

FoLLoW THese sTePs To see IF you’LL QuALIFy For A MorTGAGe on your DreAm conDo

01

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.

02

Divide by three. This figure is the monthly payment you can afford to make on your condo.

06

Add to this your estimated monthly heating costs and monthly property taxes.

03

07

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.

04

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.)

05

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.

56 NEW CONDO GUIDE | VOLUME 17 ISSUE 03 | newcondoguide.com

compAre mortGAGe rAtes For your BesT deAL varIaBle

2 Years

3 Years

4 Years

5 Years

2.890

3.190

3.590

3.790

3.950

4.740

5.340

3.990

4.390

4.990

3.950

4.590

5.340

3.950

4.540

5.340

3.140

3.950

4.540

5.340

2.890

2.890

3.190

3.390

3.790

2.990

2.790

3.090

3.390

3.690

4.450

3.600

3.950

4.450

4.990

5.340

3.000

-

3.190

3.240

3.590

3.690

4.090

3.000

4.200

3.140

3.140

3.950

4.690

5.340

Laurentian Bank Canada

3.200

4.400

3.140

3.190

3.950

4.740

5.340

London Life

3.000

4.200

3.140

3.140

3.950

4.690

5.340

Manulife Bank

2.800

4.450

3.000

3.250

3.400

3.500

3.790

ATB Financial

2.700

Bank of Montreal Bank of Nova Scotia

6 Months

1 Year

4.000

2.940

3.000

4.000

3.140

3.140

3.100

4.550

3.750

3.890

CIBC Mortgages

3.000

4.450

3.090

3.140

Canadian Western Bank

3.200

4.000

3.140

3.140

Canadian Western Trust

3.200

4.000

3.140

First Calgary Financial

-

4.000

First National Financial

2.600

3.950

HSBC Bank Canada

3.100

ING Direct Investors Group Trust

Manulife Trust

-

4.450

3.000

3.250

3.400

3.500

3.790

National Bank

3.100

4.400

3.140

3.140

3.950

4.740

5.340

Peace Hills Trust

-

4.500

3.150

3.500

3.950

3.950

4.150

President’s Choice Fin’l

3.000

6.040

3.240

3.240

3.590

3.690

4.090

RMG Mortgages

3.000

-

2.890

2.890

2.990

3.090

3.590

Royal Bank of Canada

3.000

4.000

3.140

3.140

3.850

4.740

5.340

Servus Credit Union

-

4.000

3.140

3.140

3.950

4.740

5.340

Steinbach Credit Union

-

-

2.600

2.800

3.000

3.150

3.350

T-D Mortgage

3.000

4.000

3.090

3.140

3.950

4.740

5.340

Your Neighbourhood C.U.

-

-

3.400

3.500

3.600

3.690

3.590

Rates are 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:

conVentionAl

open mortGAGe

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.

newcondoguide.com | VOLUME 17 ISSUE 03 | NEW CONDO GUIDE 57

Index of advertisers

read more about our advertisers!

6th and 10th

Brad Lamb Developments

21

Albert Park Station

Carlisle Group

Alex

Assured Developments

26

Arrive at Redstone

Partners Developments

35

Avenue

Grosvenor & Cressey

23

Waterfront

Anthem Developments

5

Bristol

Birchwood Developments

53

Champagne

Remington Developments

2

Copperfield Park II

Brad Remington Homes

60

Cranston Ridge

Cardel Lifestyles

3

Creekside Village

Carlisle Group

District

Boulevard Investments

23

The Edge

Streetside Developments

36

Edison

Avi Urban

59

Einstein2 - Bridgeland

Providence Developments

17

Evolution

Embassy Bosa

6

The Gates

Remington Development Corp.

46

Groves of Varsity

Statesman

45

Heartland Townhomes

Excel Homes

37

Kintalla

Streetside Developments

Lido

Battistella

Mark on 10th

Qualex

4

Mission 34

Assured Developments

26

The Range

Birchwood Developments

53

Ravenswood

Slokker Canada West Inc.

7

28-29

28-29

32 1, 11-13

Riverfront Pointe

Carlisle Group

SageStone

Greenview Developments

28-29 40

Smith

Grosvenor

19

Stone Keep

Merge Developments

38

Stone Creek Landing

Carlisle Group

28-29

Street Towns

Homes by Avi

49

Sunset Ridge

Jayman Innovations

39

Ven

Bucci Developments

14

Veridian

Trico Homes

Villas of Watermark

MacDonald Developments

44

Zen – Garden Homes

Avalon Master Builder

51

Jayman Group of Companies Avira Concept Ebony

Overture Riversong Trinity

58 NEW Condo Guide | Volume 17 issue 03 | newcondoguide.com

Pullout Insert

42-43

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