Issuu

NOV 11 - DEC 9, 2016 VOLUME 19, ISSUE 12, FREE

CALGARY EDITION

NOW SELLING CONDOS FROM THE UPPER

$100s

REGATTAAUBURNBAY.COM

INSIDE THIS ISSUE

WHAT THE NEW MORTGAGE RULES COULD MEAN FOR YOU

NCG CAL_Cover_11-11-16.indd 1

HOW TO BUY A CONDO FROM A FLOOR PLAN

FINANCIAL FAIRNESS AND THE “UNIT FACTOR”

11/3/16 3:38 PM

EXPERIENCE QUARRY PARK With a perfect blend of homes, offices, retail amenities and natural green spaces, Quarry Park is everything you need, and more than you could ever want.

For further information, visit the Remington Residential Presentation Gallery located at 350 Quarry Park Blvd SE.

quarrypark.ca

E OV

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COME HOME TO THE GUARDIAN Residents are making The Guardian home and transforming the Victoria Park neighbourhood.

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2-BEDROOMS

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APRIL 22, 2013

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PRESENTATION CENTRE:

1037 5th Avenue, SW, Calgary FOR MORE Dimensions, sizes, specifications, layouts and materials are approximate only and subject to change without notice. E.&O.E.INFORMATION

IV WR

9 ST SW

10 ST SW

5 AVE SW 6 AVE SW

Sat & Sun: 12–5, Mon–Wed: 12–6 Thurs & Fri: Closed 403-530-8455

1037 5th Avenue, SW, Calgary, Alberta

t 403.530.8455f 403.530.8456

AVENUEWESTEND.COM info@avenuewestend.com AVENUE WESTEND .COM

Pricing and finishes are subject to change. This is not an offering for sale. Any such offering can only be made with a Disclosure Statement. E.&.OE.

contents NOV 11 – DEC 9, 2016 | VOLUME 19 ISSUE 12

11 ON THE COVER

Brookfield Residential + online NEIGHBOURHOOD

HOME SEARCH

property profiles MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

MAPS

Remington Developments

Wide range of buyers embrace luxury and space at The Gates in Quarry Park trending

WITH

DYNAMIC

Brookfield Residential celebrates the launch of Regatta in Auburn Bay

LOOK FOR THE CIRCLE

20 Housing market news Most Canadian housing markets overvalued, price growth to slow in 2018

34 Sales stats

Calgary home sales up in October

Finance

To new couples – don’t avoid having the ‘money talk’: CIBC poll

advice

Calgaryism

How to buy a condo from floor plans By Cody Battershill

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES

Moe Lalani SENIOR SALES MANAGER, ALBERTA

Shelley Balla EDITOR

Lydia McNutt ART DIRECTOR

Daiana Garay CONTRIBUTING EDITOR

Sonia Bell Elisa Krovblit Wayne Karl DESIGN EDITOR

Yanic Simard MEDIA CONSULTANT

Natalie Houghton 587.226.1313 Like us on Facebook: search: CalgaryNewCondoGuide PRODUCTION MANAGER

Helen Pearce PRODUCTION CO-ORDINATOR

16 22 Contemplating condominiums

“Unit factor” means fairness By Linda Palfi

Greg Van Sluytman GRAPHIC DESIGNER

Miguel Cea

2891 Sunridge Way N.E. Calgary, AB T1Y 7K7 ypnexthome.ca

in every issue ADVERTISING RATES

28 Neighbourhood Profile East Village: A condo lover’s dream

24 Mortgage matters

What the new mortgage rules could mean for you By Wayne Karl

40 Make your move

Blizzards, black ice and moving trucks, oh my! By Chuck Resnick

inspiration

30 The scoop

Catch up on decor, inspiration, style and more By Elisa Krovblit

what’s online

49 Trending now

More stories, videos and photos

Editors’ Note

44 Condo Buyer’s Checklist 48 Mortgage rates 50 Advertiser Index district maps

Southeast Map

Inner City

Northwest Map

43 Satellite Communities 46 Northeast Map 47 Southwest Map

T 587.226.1313 email natalie.houghton@ypnexthome.ca 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. COPYRIGHT 2016 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. Yellow Pages NextHome is a trademark of Yellow Pages Group Co. in Canada. Editorial Submissions from interested parties will be considered. Please submit to Susan.Legge@ypnexthome.ca The views and data expressed by columnists do not necessarily represent those of the publication

Please recycle this magazine! Yellow Pages NextHome participates in the Partners in Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over 2.5 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.

Editors' Notes

EAST VILLAGE

SUSAN LEGGE Editor-in-Chief / Director of Content Yellow Pages NextHome Email: Susan.Legge@ypnexthome.ca Twitter: @SusanLegge

MORE PHOTOS ONLINE nexthome.yp.ca/east-village

Targeted info for your benefit Before we launched our new look and website, YPNextHome.ca, we brought a formal focus group of Canadians together to ask about real estate. We specifically questioned what factors in someone’s life would make them want to move. One of the top three reasons was the desire to live in a different neighbourhood. Respondents said they wanted access to better schools and amenities such as transit, shopping, greenspace and parks. With so many areas for you to choose from, we created a Canadawide resource of neighbourhood

information and listings – on a local level. At YPNextHome.ca, you’ll find statistical information on more than 2,700 neighbourhoods, featuring data, listings, fun facts and more. We’ve included interesting info on key residential neighbourhoods, including photos and video tours. Check out East Village for example. We hope you’ll explore a few of the neighbourhoods we’ve curated for you on our website. Drop us a line and a photo showing what you love most about your favourite neighbourhood. We’d love to hear from you!

CMHC seeing red this fall

LYDIA MCNUTT Senior Editor Yellow Pages NextHome Email: Lydia.McNutt@ypnexthome.ca Twitter: @Lydiastweets

+ get social 10 YPNEXTHOME.CA

Canada Mortgage and Housing Corp. has issued its first red flag for Canada’s housing market, citing overvaluation and price acceleration as the key drivers behind the heightened warning. CMHC looked at data from Canada’s 15 biggest housing markets, and Calgary was one of six cities in the danger zone, along with Vancouver, Saskatoon, Regina, Toronto and Hamilton. In its last Housing Market Assessment published in July, CMHC predicted a red rating for this fall. The quarterly report “serves as an early warning system, alerting Canadians to areas of concern developing in our housing markets, so that they may take action in a way that promotes market stability.”

If money matters are on your mind, you’re not alone. Earlier this fall, Finance Minister Bill Morneau announced changes to Canada’s mortgage rules, to cool overheating housing markets and curb overspending in this current low interest rate environment. Under the new rules, homebuyers who have less than 20 per cent to put down on a home, will have to qualify for the mortgaged amount at the Bank of Canada’s posted rate, currently 4.64 per cent. This is the case, even if the rate offered by your lender is lower. The move will take some hopeful homebuyers out of the running, but the real hope is that it will also take Canada out of the red zone.

Interact with us on social media: ypnexthome

Property Profile | BROOKFIELD RESIDENTIAL

cover story

Brookfield Residential celebrates the launch of

Regatta in Auburn Bay BROOKFIELD RESIDENTIAL is excited to celebrate the first release of homes and the launch of sales for its newest offering, Regatta in Auburn Bay – Brookfield Residential’s fourth multi-family project and its first apartment-style condo in this fabulous lake community in southeast Calgary. “We actually started construction on Regatta in the

summer to offer homeowners quicker possession times,” says Kelly Halliday, business development manager. “Typically for apartment-style condo developments, homeowners can wait 18 months or more before they take possession, and we know they don’t want to wait too long before they move in. By starting construction earlier, we’re looking at fall/winter 2017 possessions.” NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 11

Regatta consists of 168 apartment-style condos in three, four-storey buildings along with 56 townhomes, and gives an opportunity for condo buyers to experience upscale living at an affordable price in an established lake community

As well, while the actual release of the first phase of Regatta will be on Nov. 12 from noon to 4 p.m., Halliday notes that a sales team has been working out of the on-site presentation centre and showsuite promoting a sneak peek of the project, and it has been well-received by potential buyers. During the afternoon there will be treats and activities, and, best of all, people can tour the showsuite that showcases Regatta’s stunning high-end features – a great way for homebuyers to picture themselves in their future home. Regatta consists of 168 apartment-style condos in three, four-storey buildings along with 56 townhomes, and gives an opportunity for condo buyers to experience upscale living at an affordable price in an established lake community. 12 YPNEXTHOME.CA

The first building offers 48 condos with nine floor plans, ranging from 552 to more than 1,000 sq. ft. and priced starting from the upper $100,000s for one-bedroom suites and in the mid-$200,000s for two-bedroom/twobathroom suites. Buyers will also appreciate the upscale, high specifications of the interiors that include quartz countertops, maple cabinets, stainless steel appliances and tile backsplash in the oversized kitchens. “We looked at what was most important for people and found the kitchen is really the focal point, the heart of the home, where they entertain, so we paid special attention to the kitchen design in Regatta and they look spectacular,” Halliday says. “We also found people love to entertain outdoors so the balconies are generously proportioned allowing people to have a barbecue and

sitting area where they can socialize.” The suites also feature in-suite laundry with stacked front-load washer and dryer, and spa-like bathrooms with full-height tile walls behind the vanity (master ensuites in the two-bedroom suites feature dual sinks and over-sized walk-in showers). Buyers can also personalize their suites by choosing from three colour boards and the building offers underground heated parking and above ground stalls. Residents will enjoy on-site amenities of a bocce ball court, dog wash station and a large courtyard area, plus will have access to all the best of Auburn Bay such as the lake and the residents’ association. “This development appeals to first-time homebuyers,” Halliday says. “But, we’re also seeing people looking to

right-size for that main-floor living and a maintenancefree lifestyle.” Regatta offers an attractive location with close proximity to Stoney Trail, 52 Street and Deerfoot Trail. It overlooks green space and is across from Auburn Bay Station featuring a newly opened Co-op. It’s also minutes to the new south hospital as well as shops, services, groceries, restaurants and more in nearby Seton.

For more information on Regatta in Auburn Bay, visit the presentation centre and showsuite at 109 Auburn Meadows Dr. S.E., open Monday to Thursday, 2 to 8pm; and Fridays, weekends and holidays, noon to 5pm. Call 403.462.3792 or visit regattaauburnbay.com.

NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 13

YOUR VOYAGE STARTS NOW MOVE IN 2017

#REGATTAYYC NOW SELLING CONDOS FROM THE UPPER

$100s

Regatta at Auburn Lake lets you set sail with the assurance of quality craftsmanship and the excitement of four season access to a private 43-acre lake. With stylish floorplans, upgraded kitchens, a choice of interior finishes and amenities like a P292860

dog-wash station and a bocce ball court, you truly get it all at Regatta.

REGATTAAUBURNBAY.COM

CENTRE STREET

F RI

AIRPORT

MCKNIGHT BLVD.

68 STREET

LA UR TRA IE BL VD IL .

14 STREET

WC HIL D

32 Ave

16 AVENUE

12 AVENUE

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MEMO

RIAL D RIVE

36 STREET

MEMO

17 Ave

13 REGATTA BY BROOKFIELD RESIDENTIAL

52 STREET

ELBOW DRI VE

BLACKFOOT TRAIL

17 Ave

109 Auburn Meadows Dr. SE

14 BOULEVARD TOWNES BY BIRCHWOOD

MacLEOD TRAIL

116 Quarry Park Way SE

GLENMORE TRAIL

ANDERSON ROAD

DEERF

AIL

LEO AIL

07 03

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.

MAHOGANY

D. BLV

07 AUBURN WALK BY CARDEL LIFESTYLES

Showsuite and Sales Centre Corner of 52nd Street and Auburn Meadows Dr. SE

08 THE MORELLO 15207 1st SE themorello.ca

04 LEGACY GATE BY CARLISLE GROUP

10 CANOE BY AVI URBAN

05 LEGACY STREET TOWNS BY HOMES BY AVI 42 Legacy Blvd SE

06 CRANSTON BY AVALON MASTER BUILDER 442 Cranford Park SE

19 CHAMPAGNE BY REMINGTON DEVELOPMENTCORPORATION Quarry Park Blvd SE remingtoncorp.com

20 ORIGINS AT CRANSTON BY STREETSIDE DEVELOPMENTS 21 ALTURE MIDCITY BY ALTURE PROPERTIES

09 BRISTOL TOWNHOMES BY BIRCHWOOD NOW SELLING

210 Ave. SE www.legacygate.ca

Presentation Centre: 350 Quarry Park Blvd SE

111, 100 Cranfield Common SE

03 MUSKOKA BY BROOKFIELD RESIDENTIAL 65 Auburn Meadows Way

AUBURN BAY

SETO

15 LEGACY

CRANSTON

05 WALDEN 01 04 23 26 24

W ST. 52

D TR

VITT

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01 CRANSTON RIDGE BY CARDEL LIFESTYLES

18 THE GATES BY REMINGTON DEVELOPMENT CORPORATION

02 11

MARQ

6 Mahogany Terrace SE

347 MacKenzie Towne Gate

NEW BRIGHTON

K PA RK

Mac

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SHAWNESSY BLVD.

114 AVE SE

TTO BO

08 CR21 EE

16 SANDGATE

17 MOSAIC MIRAGE BY BROOKFIELD RESIDENTIAL

OOT T RAIL

W BO

FISH

84 STREET

52 STREET

SOUTHLAND DRIVE

52 Legacy Gate SE

BARLOW TRAIL

GLENMORE RESERVOIR

15 LIVINGSTONE TOWNES BY TRICO COMMUNITIES

232 Quarry Park Blvd. SE

103 Auburn Meadows Dr.

11 CHALET NO. 6 BY HOPEWELL

15233 1 Street Southeast midcitymidnapore.ca

22 MAHOGANY STREET TOWNS BY HOMES BY AVI 13 Marine Dr SE

23 LEGACY PARK BY BRAD REMINGTON HOMES Register at: mylegacypark.ca

24 JACKSON BY AVI URBAN

Coming soon to Walden

25 RIVERSTONE MOSAIC BY BROOKFIELD RESIDENTIAL 98 Cranbrook Dr. SE

26 WALDEN PLACE BY CARDEL LIFESTYLES Coming Soon

Registration www.cardellifestyles.com

646 Copperwood Blvd SE

12 EBONY CONDOS & TOWNHOMES IN MAHOGANY BY JAYMAN MODUS 291 Mahogany Way

Move in today!

Condos starting from

$229,900

NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 15

Property Profile | REMINGTON DEVELOPMENT CORPORATION

Wide range of buyers embrace luxury and space at

The Gates in Quarry Park Location

Quarry Park Builder

Remington Development Corporation Development

The Gates in Quarry Park Home Type

Three-storey, 32-suite apartment-style condo Contact

403.930.6900 quarrypark.ca

16 YPNEXTHOME.CA

A FABULOUS BOUTIQUE-STYLE condo presenting exceptional features and spacious designs is being embraced by a wide range of purchasers from young, first-time buyers to those who desire to right-size or down-size. Located in one of most desirable communities in southeast Calgary, The Gates is a three-storey, 32-suite apartment-style condo crafted by Remington Development Corporation in Quarry Park – a community that offers a perfect balance of residences, offices, retail, green space and a canal, all nestled next to the Bow River. Buyers love that they are able to enjoy a unique combination of luxury, conveniences and nature with The Gates, which is proving so popular the building is now 70 per cent sold. “All the three-bedrooms are sold out, which were really popular with people looking

for larger size suites so they can downsize without compromise and enjoy a lock it and leave lifestyle,” says Adrienne McGarvey, manager of residential marketing. “We also have just one one-bedroom suite remaining – the one-bedrooms really appealed to the younger crowd.” The Gates has a good selection of two-bedroom, two-bathroom plans still available, ranging from 1,040 to 1,100 sq. ft., “which are really goodsized suites and are attractive to both young professionals who want the extra bedroom so they can share or work from home, and downsizers or right-sizers who want the extra space for a TV room, craft room or for guests.”

McGarvey says one of the most popular plans (D plan, as shown) is a 1,060-sq.-ft. two-bedroom/two-bath design that presents “a very efficient, functional layout ideal for two people sharing because the bedrooms are separated for privacy. It also provides lots of storage in the U-shaped kitchen, the master bedroom ensuite has dual sinks and an over-sized walk-in shower and it has two balconies.” What is also exciting about The Gates is buyers can enjoy immediate possession. The Gates presents an upscale

French Heritage architecture on the exterior, “but the suites have bright, modern interiors with a classic look that people really like,” McGarvey says, adding that south-side suites have a view of a gorgeous cascading water feature. Inside, each suite offers an open concept with high-quality interior design and finishes. Well-appointed kitchens feature granite or quartz countertops, Frigidaire professional stainless steel appliances, pantries and islands with breakfast bars. There is also substantial storage, nine- or 11-ft. ceilings, generous balconies,

and main-floor suites have private patios with gates providing immediate access to green space, which is ideal for people with dogs. In addition, every purchase includes a parking stall and storage unit, and additional parking stalls are available for those with a second vehicle. Prices for the remaining suites range from $329,000 to $415,000 plus GST. The Gates is situated across from pathways that lead to the river valley and a short walk to The Market in Quarry Park, featuring shops, services, eateries and a Co-op grocery store. Residents are also just a four-minute walk to the new Remington YMCA, home to a swimming pool, fitness facilities, running track and public library. The YMCA also runs a child care centre, which opened in September. Quarry Park offers a great location just minutes from major routes for an easy commute, has a bus service connecting to downtown and the LRT, and a future LRT station is planned for the community. Remington is also poised to launch two new projects next year – The Gates SW across the water feature from The Gates NW, and a gorgeous townhome development at the corner of Quarry Gate and Quarry Park Boulevard. For more information about The Gates NW, or to view the showsuite, call 403.930.6900 for opening times or to book an appointment, or visit quarrypark.ca. NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 17

Advice | CALGARYISM

How to buy a condo from floor plans By Cody Battershill

MORE ADVICE ONLINE ypnexthome.ca/news/advice

USUALLY WHEN YOU BUY a new condo, it’s in the pre-construction or construction phase. You’re not buying a completed unit, which means you are buying from a floor plan. The developer may have one or two show suites, but in most new condo buildings there can be eight or even 10 different floor plans to choose from. When buying a pre-construction condo without being able to walk through the completed unit, it’s important to understand the layout, flow, windows, orientation and overall energy of the space that you’re considering. There are a handful of things you can do to help you get as much information as possible on the layout of the unit, if you can’t actually walk through it.

It never hurts to imagine other projects that aren’t currently known, and reflect on how the construction of a tall new condominium tower, for example, could affect the resale of your unit five or 10 years down the road.

Investigate Ask the developer what percentage of the entire building will have the floor plan that you’re considering. This is a good indicator of what the developer deems to be their “best” or “most sellable” plan.

Drawings Ask for the architectural drawings and compare the size of the room dimensions from the show suite to those in the unit you are considering. This will give you an accurate representation of the scale of certain aspects of the condo.

Ask Inquire if the developer has completed previous projects that may have a similar layout or floor plan. If so, you should make arrangements to go and see them for yourself, if possible. It may be hard to view a unit that has already been purchased, but there may be an opportunity to see a twin tower development that was just completed and has remaining unsold units in your chosen floor plan. This will give you more information and experience with the plan that you’re going to buy.

Take your time When buying a new condo, it’s important that you take as much time as necessary to find a unit that fits your wants, needs and lifestyle best. I recommend that you browse as many show suites and sales offices as you deem necessary before signing on any dotted line, and make sure that you get exact specifications and a good feel for each. This way, you’ll be making the best and most informed decision, and you’ll be absolutely satisfied with your purchase.

Compare Go to the condominium building site and stand approximately where your unit will be facing. This will help you understand the relationship between your building, the view, surrounding buildings and any known future projects to come.

Tour Ask the developer if they have any virtual walk-throughs or virtual tours of different units and plans. This is probably one of the best visual perspectives you can gain on the floor plan you are potentially going to buy, apart from seeing the unit itself.

18 YPNEXTHOME.CA

Cody Battershill is the founder of Calgaryism and a top producing realtor at ReMax 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, @Calgaryism on Twitter and calgaryism.ca

FALL CLOSE OUT SALE

2 BEDROOMS • 2 BATHROOMS UnDerGroUnD PArKinG inCLUDeD from

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ten’s of thousands in price reductions including free furniture, free parking, you choose, even no money down.

11TH AVE. SE 12TH AVE. SE

12TH AVE. SE

27TH ST. SE

5TH AVE. SW

DOWNTOWN

BARLOW TRAIL SE

MEMORIAL DRIVE SE LRT STATION

ProjeCt LoCAtion

SALeS Centre & SHOw SuiTE LOCATiON: #4115, 1317-27 Street Se By appointment only.

403-460-2510

14TH AVE. SE

17TH AVE. SE

AlbertParkStation.ca HIGHWAY 2

MCKENZIE WAY

RAILWAY AVE

MAIN ST

8 ST

AIRDRIE ROAD NE

YANKEE VALLEY BLVD SE

SHOw SuiTE LOCATiON: #7202 - 403 MacKenzie way Sw, Airdrie - east of 8th Street SHOw SuiTE HOuRS: monday & thurs 2-8 pm Saturday & Sunday 12- 5 pm Closed Tuesday, wednesday, Friday

403.980.3334

CreeksideVillageCondos.ca MARQUIS OF LORNE TRAIL SE (22X)

210 AVENUE SE LEGACY BLVD SE

IL RA DT EO CL MA

SALES CENTRE LOCATiON: #2137-81 Legacy Blvd. Se SALES CENTRE HOuRS: mon - thurs 2-8 pm Sat, Sun & Holidays 12- 5 pm

403.460.5206

ARTIST’S RENDERING ONLY

LegacyGate.ca ARTIST’S RENDERINGS ONLY

Canadian Home Builders’ Association

OWNED A

Trending

Most Canadian housing markets overvalued, price growth to slow through 2018: CMHC CANADA MORTGAGE AND HOUSING CORP. (CMHC) is finding strong

evidence of problematic conditions for Canada’s housing markets. Home prices have surpassed economic fundamentals like personal disposable income and population growth, resulting in overvaluation in many Canadian housing markets. However, the combination of overvaluation and overbuilding should help slow the growth in resales and house prices and lead to a moderation in the pace of housing starts. This analysis is the result of combined insight from two major CMHC reports published concurrently for the first time: the Housing Market Assessment (HMA) and Housing Market Outlook (HMO). According to the HMA, Canada now shows strong evidence of problematic conditions overall due to overvaluation and price acceleration. CMHC’s last HMA report in July flagged the likelihood of seeing this evidence, by the fall. In addition, overvaluation continues to be detected in nine census metropolitan areas (CMAs) across the country and overbuilding in seven. The HMA serves as an early warning system, alerting Canadians to areas of concern developing in our housing markets, so that they may take action in a way that promotes market stability. Meanwhile, the HMO highlights important regional differences in housing activity which will gradually dissipate over the forecast horizon. At the national level, housing starts and MLS sales are expected to decline slightly in 2017 before stabilizing in 2018 to levels more consistent with economic fundamentals and demographic changes. The HMO is 20 YPNEXTHOME.CA

MORE TRENDING ONLINE ypnexthome.ca/news

a forecasting tool which provides a range of possible outcomes to better help Canadians in their decisionmaking process. REGIONAL REPORTS: » In the Prairie region this year, low commodity prices continue to impact investment, employment and housing demand. The result is slower new-home construction as builders focus on selling their existing stock of new homes, especially multi-family units. Housing starts are forecasted to stabilize in 2017 as inventory reduction continues to hold back growth. By 2018, reduced inventories, stronger economic and employment growth will help boost new home construction. » Housing demand in Vancouver is partially supported by robust employment growth, a growing population and low mortgage interest

rates. These factors are expected to remain solid through 2018. That said, some moderation in housing starts and resales is forecast for 2017 and 2018, as the market continues to adjust to recent policy changes as well as an overvaluation of home prices. Price growth is also expected to slow, which should help to alleviate some of the imbalances currently detected by our HMA. » The Toronto housing market is showing strong evidence of problematic conditions, in part due to imbalances between house prices and fundamental drivers like incomes and population growth. These imbalances are expected to moderate through a slow-down in home price growth in 2017 and 2018 as factors such as rising mortgage rates and modest job growth later in the forecast period lead to resales moving off their record highs.

Discover superior “Resort Style Living” on Fish Creek Park 40+ Adult Community/Steps from Fish Creek Park/Fitness Centre/Movie Theatre Coffee Bar/Bowling Alleys/Swimming Pool/Steam Room/Hot Tub/Wine Cellar/Library/Games Room Woodworking Shop/Craft Room/Sanderson Banquet Facility/Catering Kitchen/Guest Suites Car Wash Stations/Heated Underground Parking and More….

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Celebrating 40 Years

Advice | CONTEMPLATING CONDOMINIUMS

“Unit factor” means fairness By Linda Palfi

MORE ADVICE ONLINE ypnexthome.ca/news/advice

FINANCIAL FAIRNESS IS IMPORTANT in a condominium, as it is in any family. Enter the “unit factor,” which in most cases of residential condominiums, represents each home’s share of the total square footage within that condo community. Regardless of whether they are apartment condos, lofts, townhouses, villa-style homes or even bare-land condominiums, the unit factor allocates expenses, almost always in proportion to the property’s floor area. Watch for a few condos where unit factors were allocated in proportion to the initial sale values of the homes, or were weighted to have those on higher floors pay more. This applies an income-tax-style “progressive taxation” approach to condominiums, which is fine if you live on higher floors and can afford it, or live on lower floors and pay less. But these instances are rare. In most residential condominiums, though, the unit factor is your home’s percentage of the total privately owned square footage within a complex, taken to two decimal places. Because decimal points can be missed, or be confusing, the percentage is converted to whole numbers. One hundred per cent taken to two decimals is 10,000, so those are the total unit factors to be divided among all the owners. Confused? Let’s say your condo building has 20 units of equal size. Each must carry five per cent of the collective costs for maintenance, heating and common-area janitorial services (20

multiplied by 5 equals 100 per cent). Add two zeros to 5 and you have 500/10,000, which is how expenses will be apportioned among all the owners. This system creates fairness when condo projects have varying sizes of suites, townhouses or bare-land condo building lots. When considering the purchase of a condominium home in any project, a look at the unit factor can tell you a few things. First, move the decimal left two spaces, and you know exactly what percentage of the total project your home or “unit” comprises. If the unit factor is 265, you know that of all the privately owned square footage in the project, your unit comprises 2.65 per cent. Divide 2.65 into 100, and you find it goes about 38 times, so if units are roughly the same size, it’s a development of 38 homes. As well, the percentage the unit factor represents (265 = 2.65 per cent) tells you exactly how much you’ll have to pay of any dollar amount needed for a proposed expenditure. If a capital expenditure is proposed, and requires raising $10,000, you know you would be responsible for 265/10,000, or 2.65 per cent of that cost, or $265. The same applies to the condo’s annual budget. If the proposed operating budget for next year

is $175,000, your percentage of 2.65 means your fair share will be $4,637.50. Divide that by 12, and you arrive at your condo home’s projected monthly condo fee of $386.46. Don’t worry that anyone will manipulate the unit factors. They are assigned upon the creation of the condominium plan, based on a professional survey of square footage, all according to measuring methods detailed in that plan. While Alberta’s Condominium Property Act allows for levying of condo fees by other formula, that would require amendment of the corporation’s bylaws. That rare step would require notification of all owners, and a 75 per cent “double majority” vote of both homes and total unit factors within the condominium. Condominium living deserves fairness to all, both real and perceived. Unit factors, which are almost always the square footage of each home, ensure that common expenses will be fairly apportioned among you and your neighbours.

Linda Palfi is a condominium specialist realtor with Your Way Real Estate. She sits on multiple condo boards, and is a member of the Inquiry Committee of the Calgary Real Estate Board. Visit condosincalgary.com or call 403.998.7732

22 YPNEXTHOME.CA

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31/10/2016 21:25

Advice | MORTGAGE MATTERS

What the new mortgage rules could mean for you By Wayne Karl

IF YOU’RE LOOKING to buy your first

home, listen up: the new mortgage rules that took effect in October will likely make it more difficult for you to get into the housing market. Here we go again The federal government has changed mortgage eligibility rules five times between 2008 and 2015. This latest round was intended to stabilize “overheated” housing markets, mostly in Toronto and Vancouver, slow home price growth and keep mortgage indebtedness under control. All good things. What the changes also do, though, is make it more difficult for young Canadians to take that important first homebuying step. As of Oct. 17, homebuyers who apply for a high-ratio mortgage (meaning, they have less than 20 per cent as a downpayment) now have to undergo a mortgage “stress test” by qualifying at a rate they don’t even actually have to pay. Yes, you read that right. This stress test is intended to assure lenders that you, Mr. and Ms. Homebuyer, could still afford the mortgage if interest rates rise. For example, says Alyssa Furtado, founder and CEO of ratehub.ca, a website that compares mortgage rates across Canada, the best mortgage rate in Ontario at time of writing was 2.29 per cent. However, the Bank of Canada’s qualifying rate for applicants is 4.64 per cent. What does this mean? For example, a couple with a combined income of $100,000 has saved $40,000 for a down payment and they qualify for a mortgage rate of 2.29 per cent. We’ll assume their

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monthly property taxes will be $400, and their heating costs $150 a month. Using RateHub’s mortgage affordability calculator, they’ll be able to afford a property costing up to $521,041 because of the new mortgage rules. “Under the old rules, however, they would have been able to spend $635,700,” she says. Cha-ching: a difference of $114,659. On average, according to Calgary mortgage broker Jason Eldridge, by having to qualify for mortgage financing using the five-year Canadian benchmark rate, the maximum purchase price will drop by approximately 21 per cent, given existing five-year contract rates. Now imagine the situation in Alberta, where the economy has already been hammered by the prolonged oil and gas slump. If you were looking to buy a home there, your buying power will now take a 20-per-cent hit – on top of the

economic uncertainty you may be feeling. Those in Alberta looking to sell a home, meanwhile, will now be trying to sell to many whose homebuying power has just been reduced. Hello, double-whammy. There were other rule changes announced last month that come into effect on Nov. 30. For those looking to restructure or refinance an existing mortgage or purchase a property with at least a 20-per-cent down payment, similar qualifying rules will apply in many cases. Lenders who use portfolio insurance and other discretionary low loan-to-value ratio mortgage insurance will now have to meet the eligibility criteria that previously only applied to high-ratio insured mortgages. The bottom line The rule changes will make it harder for some first-time buyers to get into the housing market. And they may also face higher mortgage rates.

24 YPNEXTHOME.CA

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NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 27

Neighbourhood Profile

East Village A condo lover’s dream

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NESTLED BETWEEN 3RD STREET SE TO

the west, 8th Avenue to the south and the Bow River to the north, you’ll find the community of East Village. To the immediate east, across the parkway, is Fort Calgary, a now historic part of town that once served as home base for the RCMP and the first Calgarians. Those who like to be part of the downtown buzz and enjoy condo living will love East Village. Active residents and downtown urbanites and professionals who value being close to work and downtown amenities should definitely consider moving to this area. Just remember: you’ll pay for these conveniences. The vibe East Village has undergone intense revitalization efforts in the last few years and major development is still ongoing. Due to once high vacancy rates, this downtown neighbourhood was formerly known as “the wrong side of the tracks,” but in recent years it has become a residential hot spot. East Village is now home to restored heritage buildings, public art, brand new condominium highrises, parkways and connecting bridges. 28 YPNEXTHOME.CA

Meet the neighbours The convenience of having downtown so close and the influx of new metropolitan-inspired condos, complete with rooftop patios and a spectacular view of the river, make this a popular place with the younger crowd and professionals who enjoy the urban lifestyle. You won’t see much to accommodate the family lifestyle in the area, and many of the residents are renters versus owners. In the area The Riverwalk is always full of runners, cyclists and outdoor yoga classes. Coined “Eat Village” by locals, you have Charbar restaurant and patio; Phil and Sebastian coffee and fresh baking from Sidewalk Citizen Café – all in the restored Simmons Building. There’s also find an assortment of food trucks. Planes, trains and automobiles Because this community is so centrally located, this is one part of Calgary where you could go without a vehicle. The city hall C-Train stop is close by and downtown is

just a few minutes walk via the Riverwalk. The bike and walking paths also make it easy to cross the river into a number of nearby neighbourhoods. Dollars and sense If East Village sounds like the place for you then you should be prepared to pay more than average to rent or own. Living in the heart of the city means you’re paying more for groceries, meals out and retail, which is why it makes for an ideal spot for single people or couples with disposable income. Real estate With many condo buildings nearing completion, the population of this neighbourhood is rapidly growing and will continue to do so. You won’t find any houses here. Instead, you’ll mostly find modern condo highrises that go for the same price you’d expect to pay for a starter home. People wanting a yard and a detached house should look elsewhere in the city.

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In love with design and decor, Elisa is the editor of Renters Guide, Home Decor & Renovations and Commercial Investor. When not searching out some unusual solutions to her century home’s reno projects, she’s busy discovering the next best thing in Toronto. Elisa.Krovblit@ypnexthome.ca

30 YPNEXTHOME.CA

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NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 33

Trending

Calgary home sales up in October FOR THE FIRST TIME IN TWO YEARS,

detached sector, at 18 per cent. There was a noticeable shift in sales activity by price range in October. In the detached market, homes priced between $300,000 and $400,000 saw the largest rise in sales, while attached and condo sales growth was mainly occurring in the lower price ranges. “This year has been a challenge for many sellers,” says CREB president Cliff Stevenson. “So when we have a rise in sales, it means more buyers got into the market and more sellers got out, which is a positive for consumers on both sides of the transaction. “Sales activity changed direction in October, but we need to see some consistency next month and the month after to call it a ‘trend.’ For now it’s a nice building block.” Despite the monthly rise, year-

to-date sales activity in all sectors remained lower than last year’s levels and well below longer term trends. In fact, year-to-date sales activity has totaled 15,642 units, which is 6.3 per cent below last year’s levels. While increased activity in the lower price ranges had a greater impact on the average and median price, benchmark prices once again edged down in October. The citywide unadjusted benchmark price totaled $438,900, or 0.34 per cent below last month and four per cent below last year’s levels. Since the start of the downturn, home prices have declined from a low of 3.8 per cent in the detached market to a high of 9.4 per cent in the apartment condominium sector. And, despite the rise in October sales, monthly prices continued to decline for most product types in the market.

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Calgary home sales in October resembled normal levels, totaling 1,644 units – an increase of nearly 16 per cent year-over-year. Calgary Real Estate Board (CREB) chief economist Ann-Marie Lurie attributes the shift in sales activity to the new mortgage rules, inventory gains in the lower price ranges, and further price adjustments. “The combination of all these factors may have encouraged some purchases to take advantage of the market conditions, particularly in the lower price ranges. However, with several factors at play, the monthly shift in demand may be temporary and will need to be monitored over the next several months.” Sales activity rose across all housing types year-over-year, but the largest gains occurred in the

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Trending

To new couples – don’t avoid having the ‘money talk’: CIBC poll A RECENT POLL FROM CIBC finds that only one-third of Canadian couples who are about to get hitched or enter a common-law relationship actually had a serious talk about money. Yet, nearly everyone (99 per cent) admits it’s important to discuss how to plan and manage their finances together as a couple. “While couples will spend several months planning, in great detail, their ‘big day,’ our poll reveals that very few people actually broach the topic of how to plan and handle their finances once they begin their lives together,” says Jamie Golombek, managing director, tax and estate planning, Wealth Strategies Group, CIBC. “When you’re caught up in the bliss of getting married, talking about money isn’t particularly romantic, but, it shouldn’t be a taboo topic. Before saying ‘I do,’ it’s important to make sure you are on the same financial page, otherwise you’re setting yourself up for problems down the road.” In his new report, For richer or poorer: Financial Planning Tips for Newlyweds, Golombek offers advice to couples, whether they’re tying the knot or simply considering moving in together, about when and how to have that money talk and how best to “marry” your money personalities.

KEY POLL FINDINGS INCLUDE:

» Two-thirds (66 per cent) of those who plan to marry or live common law are entering their relationship in debt, including either student loans, personal, credit card or mortgage debt. Yet, their top financial goal within the first two years of tying the knot is to save up for a trip or vacation (46 per cent).

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» One-third (35 per cent) who plan to marry or live common law say they’ve had the money talk in detail, with 40 per cent saying they’ve only discussed how to manage finances together as a couple “briefly.” » Of those who admitted they haven’t talked about money before the big day or the move-in date, most (83 per cent) said they didn’t know either how or when to address the topic or said they plan “to play it by ear.” » 99 per cent say it’s very or somewhat important to discuss how they will plan and discuss their finances as a couple. Be open and honest The poll findings also show that nearly two-thirds (63 per cent) do not plan to sit down with a financial adviser after their honeymoon or enter into a common-law relationship. Yet, almost a third (31 per cent) say it hadn’t even occurred to them, and admit it’s probably a good idea. “There’s a reason it’s called a marriage ‘contract,’ but unlike typical contractual arrangements, marriage comes with emotion,” says Golombek. “As couples get caught up in the whirlwind of excitement before their wedding, talking about money can be a delicate, very emotional topic, so it does really help to talk to someone who can be impartial, like a financial adviser, to help with difficult questions and concerns.” It’s important to have an open and sincere discussion about finances before you take the big step and have it early in your relationship so your relationship has a solid financial footing, he says. “Perhaps the springboard for 38 YPNEXTHOME.CA

having the ‘big talk’ about money is identifying your and your partner’s philosophies on handling finances,” says Golombek. “If you’re an impulse buyer, and your partner-to-be is a super-saver, he or she may feel your shared goals of saving for the future – for kids, a house or a car – will be undermined. “You and your partner don’t need to have the same personality for your relationship to be successful, but discussing your personality differences in advance may prevent tension and stress down the road.” TIPS TO REDUCE FINANCIAL STRESS IN YOUR RELATIONSHIP

Don’t avoid the money talk: Once you decide to marry and where you will live together, it’s important to talk about how you’re going to manage your household expenses. Share everything: Most useful if you and your partner do in fact share everything. This includes having one joint account and having all of your money deposited into that account. Share expenses: Create a common plan as a couple for all household expenses and fund a shared joint account so that shared expenses are paid from this account. Assign expenses: While less common in first-time marriages, you may decide in advance which expenses each of you will cover. Plan for savings: Talk about your future together and saving for common goals, such as buying a car, a home, big-ticket items like appliances, starting a family or saving for retirement. Also, set aside money

One-third (35 per cent) who plan to marry or live common law say they’ve had the money talk in detail, with 40 per cent saying they’ve only discussed how to manage finances together as a couple “briefly” for emergency expenses, typically three-to-six months’ living expenses. Speak to a financial adviser: While couples carefully select a professional to record their wedding, supply their flowers and do the makeup, most have no plans to work with a professional to help set up their joint finances. This is a common mistake that can set your marriage back. A financial adviser can take the emotions out of the money talk by helping couples understand their real priorities and create a joint financial plan based on realistic goals and budgets. These plans are provided free-of–charge by most banks.

Advice | MAKE YOUR MOVE

Blizzards, black ice and moving trucks, oh my! By Chuck Resnick

MORE ADVICE ONLINE ypnexthome.ca/news/advice

MOVING WHEN ICE AND SNOW are

in the daily forecast isn’t a popular choice for many Canadians. It’s cold and slippery; but with some extra safety precautions, winter moving also has many advantages. Moving last minute? No problem, if it’s during the cold months. Choosing to move in the “off season” – sometime between November and March – can save you time and money. Summer is the busiest season for moving companies. This means you must be well prepared, booking six to eight weeks in advance to ensure your preferred moving company is available. Not only are they higher in demand but generally their rates are also more expensive. Some companies may be more willing to negotiate their rates during the winter months as they’re competing for business during the slow season. Likewise, less rush and stress for companies in the winter means you get their best employees resulting in a higher quality of service. With everything booked, now comes the packing. Follow these tips for a relaxed and toasty move – no matter what’s going on outside those frosted windows. » Have a contingency plan. Keep up to date with local weather forecasts and change your plans accordingly. If a big snowfall or freezing rain is expected the morning of your move day, don’t risk it. » Carry extra warm clothes for you 40 YPNEXTHOME.CA

and your family – including hats, gloves and snow pants. Pack these ahead of time and clearly label them so you can locate them immediately. » Remember your items will be in a non-heated environment for a while. Ensure your plants, electronics and liquids are properly packed and protected from the cold. » Allow extra time on the move day – cold weather slows things down. Additionally, rushing in the winter can lead to accidents and injuries. » Have driveways and sidewalks cleared of snow before the movers arrive. Your driveway needs to be ploughed wider than usual – enough to allow the moving truck’s loading ramp to be positioned as close to your front door as possible. Lay plywood down on muddy or slushy areas. Slipping can not only lead to dropped boxes and broken possessions but also personal injury.

» Quality movers will use floor runners to protect your floors in high traffic area but for extra protection inside, cover your floors to protect them from tracked-in snow, mud, and salt. » Drive safe. Make sure maintenance and service on your vehicles is current. Check the air pressure on your tires and ensure the trunk is equipped with emergency kits (matches, flashlight, food), blankets, and shovels. Drive slowly with extra caution. » Be certain that your heating company for your new home is aware of your move in day. Wintertime moving doesn’t have to be wet and miserable. With these reminders, you’ll be packed up, moved and basking in the warmth of your new home before you know it. Chuck Resnick is vice-president of marketing and operations, Two Men and a Truck Canada. twomenandatruck.ca

MAKE IT YOURS EVENT

Personalize your townhome with a $10,000 Design Studio gift. At Mattamy, we want to make it more rewarding than ever for you to personalize your new home and move in sooner. That’s why we’ve created the Make It Yours event. Not only will you get to pick from an amazing selection of interior design options to make your brand new home your own, our Design Studio will give you a gift of up to $10,000. Design Studio gift amount is dependent on the product type selected. See Sales Centre for details.

AIRDRIE

Manor Townhomes Starting From $319,990

Village Townhomes Starting From $261,990

CALGARY

Village Townhomes Starting From $288,990 Rear Lane Townhomes Starting From $344,990

SALES CENTRE 907 Windsong Drive 403-980-8765

SALES CENTRE HOURS

SALES CENTRE 907 Windsong Drive 403-980-8765

Monday - Thursday 1 pm-8 pm; Friday 1 pm-6 pm; Saturday, Sunday and Holidays 11 am-6 pm

SALES CENTRE 10520 Métis Trail NE 587-755-1061

MATTAMYHOMES.COM/CALGARY

All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

MATCALGARY-Personalization Incentive_NCG_Mag.indd 1

2016-10-27 4:22 PM

4:22 PM

CALGARY’S SATELLITE COMMUNITIES 21 THE WHITNEY BY LANDMARK HOMES

22 04

02 11 03 01 COCHRANE 08

211 & 215 Fireside Parkway Cochrane, AB

AIRDRIE

10 12 15

13 14

09 CREEKSIDE VILLAGE BY CARLISLE GROUP

2 21

2105 403 MacKenzie Way SW Airdrie, Alberta www.creeksidevillagecondos.ca

10 STONEKEEP AT KING’S STRATHMORE HEIGHTS TOWNHOMES BY MERGE 1 DEVELOPMENTS

CALGARY

1225 King’s Heights Way SE Airdrie, Alberta

CHESTERMERE

797

11 BRAND BY BIRCHWOOD

LANGDON

BLACK DIAMOND

22X

Coming Soon 169 Clydesdale Way Cochrane, Alberta

22X

12 RAVENSWOOD TOWNHOMES BY SLOKKER CANADA WEST

2802 Kings Heights Gate

13 BROOKSIDE AT BAYSPRINGS BY MERGE DEVELOPMENTS

OKOTOKS

546

TURNER VALLEY

Yankee Valley Blvd. and 24th St. SW BrooksideAtBaysprings.com

543 22

14 HILLCREST TOWNHOMES BY EXCEL HOMES

HIGH RIVER

COCHRANE 01 TOWNHOMES AT JUMPING POUND RIDGE BY SLOKKER CANADA WEST

Sales Centre on George Fox Trail just past Jumping Pound Terrace www.slokker-west.ca

02 HEARTLAND TOWNHOMES BY EXCEL HOMES 137 Heartland Way, Cochrane, Alberta

03 THE RISE BY JAYMAN MODUS

04 SUNSET RIDGE STREET TOWNS BY HOMES BY AVI 36 Sun Valley Road Cochrane, Alberta

05 STONECREEK LANDING BY CARLISLE GROUP

625 Glenbow, Cochrane, Alberta www.stonecreekcondos.ca

06 THE VILLAGE BY CALBRIDGE HOMES 3102-15 Sunset Square Cochrane, Alberta

07 RIVERREACH VILLAS & MANORS BY JAYMAN MASTERBUILT 13 Riviera Way Cochrane, Alberta

101 Hillcrest Dr. SW Airdrie

15 ZEN RAVENSWOOD BY AVALON MASTER LETHBRIDGE BUILDER

1403 - 2400 Ravenswood View SE

08 THE RANGE BY BIRCHWOOD PROPERTIES CORP. 101 Heartland Avenue Cochrane, Alberta

22 SUNSETRIDGE TOWNHOMES BY EXCEL HOMES 24 Sunrise View Cochrane, AB

20 SUNSET BY JAYMAN INNOVATIONS

24 Sunset Rd. Cochrane, Alberta

501 Riverheights Dr. Cochrane, AB

SEARCH ONLINE ypnexthome.ca

NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 43

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:

Salesperson:

Phone:

Developer/builder:

Type:

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

midrise highrise

townhome conversion

Sq. ft.:

# of bedrooms:

# of bathrooms:

Interior appliances:

Options:

Parking facilities:

Special incentives:

Price:

Down payment:

Condo fees:

Financing available:

Other comments:

44 YPNEXTHOME.CA

ZenR

ZenRavens CG20161028.indd 1

31/10/2016 15:42

METIS TRAIL

NORTHEAST COMMUNITIES

52 STREET

CALGARY INTERNATIONAL AIRPORT

64 Ave

CENTRE STREET 12 AVENUE

13 V&V BY PROVIDENCE GROUP

RIVE

36 STREET

Now Open Register: einsteincalgary.com

17 Ave

52 STREET

BLACKFOOT TRAIL

ELBOW DR IVE

Coming Soon www.arrivehome.ca

02 43 PARK BY VERICON REAL ESTATE VENTURES

MacLEOD TRAIL

43park.ca

114 AVE SE

OOT T RA

W BO M IL

Mac

UIS

MARQ

RNE OF LO

TRAIL

COPPERFIELD

TRA

VIT McKE

D LEO

S JAME

TRA

EK P ARK

SHAWNESSY BLVD.

NEW BRIGHTON

TTO BO

CRE

84 STREET

BARLOW TRAIL

GLENMORE TRAIL

DEERF

CHAPARRAL CRANSTON

SEARCH ONLINE

46â€ƒYPNEXTHOME.CA

07 ARRIVE AT SKYVIEW RANCH ARBOURS BY PARTNERS DEVELOPMENT GROUP

RIAL D

MEMO

ANDERSON ROAD

ypnexthome.ca

104 Redstone View (off Redstone Way)

16 AVENUE

SOUTHLAND DRIVE

FISH

06 ARRIVE AT REDSTONE BY PARTNERS DEVELOPMENT GROUP

17 Ave

GLENMORE RESERVOIR

Coming Early 2016 Register: jayman.com/harana

64 Ave

32 Ave

03 04 MEMO 02 01 RIAL D RIVE

Coming Soon bridgelandcrossings.com

05 HARANA TOWNHOMES BY JAYMAN MODUS

80 Ave

MCKNIGHT BLVD.

16 AVENUE

01 BRIDGELAND CROSSINGS BY APEX CITY HOMES

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

68 STREET

14 STREET

04 STEPS BRIDGELAND BY GIUSTINI BRIDGES IN.

52 STREET

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

Sales Centre #701, 7th Ave. NE livelifft.com

SADDLETREE DR.

FA L RID CON GE

NOSE HILL PARK

EDMONTON TRAIL

SH AG AN

TR A

05 128 NE Ave

COUNTRY HILLS BLVD.

FO OT TR AIL

VD. LS BL

Y HIL UNTR

03 LiFFT BY VERICON REAL ESTATE VENTURES

STONEY TRAIL 06 07

ABURN BAY

TR AIL PI NA SH AG AN

DR . HIL L NO SE

AIL EY TR STON

NOSE HILL PARK

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

CALGARY INTERNATIONAL AIRPORT

64 Ave

16 AVENUE

SARCEE TRAIL

TRA

36 STREET

17 Ave

05 15 11

IV E

GLENMORE RESERVOIR

DEERF

OOT T

M AIL NE F LOR UIS O

MARQ 17 06

04 THE LANDINGS BY STATESMAN

02 BROOKLYN CONDOMINIUMS BY TRICO HOMES

05 OVERTURE ESTATE CONDO LIVING IN CURRIE BARRACKS BY JAYMAN MODUS

1710-28 Ave. SW www.brooklyncondos.ca

03 WALDEN PLACE BY CARDEL LIFESTYLES

Coming Soon Register www.cardellifestyles.com

12 SANDERSON RIDGE ON FISH CREEK PARK BY TELSEC 2330 Fish Creek Blvd. SW www.sanderson-ridge.ca

13 ALTADORE 36 BY BROOKFIELD RESIDENTIAL

36th St. & 16th Ave SW Register Now www.altadore36.com

15 THE ARMORY BY COVE PROPERTIES

01 HUNTER HOUSE BY STREETSIDE DEVELOPMENT 1020 194th Ave S.W. www.hunterhouseliving.com

10 VIVACE BY STREETSIDE DEVELOPMENTS

1605 25 Ave SW

AIL D TR LEO SHERIFF KING ST. SW

VITT

McKE 194 AVE

98 Mission Road SW mission34.ca

14 MAX TOWNHOMES BY ASSURED DEVELOPMENTS

TTO BO

EK P ARK

Mac

S JAME

RAIL

W BO

CRE

SHAWNESSY BLVD.

09 MISSION 34 BY ASSURED COMMUNITIES

Sales Centre in Currie Barracks J5, 2953 Battleford Ave. SW

ANDERSON ROAD

Presentation Centre: 2719 14th St. SW

11 JUNO BY AVI URBAN

SOUTHLAND DRIVE

FISH

08 ALEX BY ASSURED COMMUNITIES

Presentation Centre: 2118, 8561-8A Ave. SE

BARLOW TRAIL

ORE

MacLEOD TRAIL

ME M O R I AL

37 STREET

GLE

69 STREET

85 STREET

16 AVENUE

BLACKFOOT TRAIL

OLD BANFF COACH ROAD

32 Ave

EDMONTON TRAIL

14 STREET

ENU

ELBOW DRI VE

16 A V

CENTRE STREET

SOUTHWEST COMMUNITIES

TRAIL

Currie Barracks

16 AXESS BY SLOKKER CANADA WEST

Currie Barracks Sales Centre www.gainaxess.com

17 LEGACY GATE BY CARLISLE GROUP

771 Patrick St. S.W.

#101, 11 Burma Star Road

06 LEGACY PARK BY BRAD REMINGTON

07 GLAS BY AVALON MASTER BUILDER 102, 1808 27th Ave. SW

210 Ave. SE. www.legacygate.ca

18 THE HENRY BY BROOKFIELD RESIDENTIAL

Presentation Centre: 3620 - 16 St. SW.

19 KILLARNEY TOWNES BY STREETSIDE DEVELOPMENTS 2432-30 St. SW www.killarneytownes,ca

Condos from the low $100’s www.mylegacypark.com 403.931.8558 NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 47

Homebuyers’ Help

Compare mortgage rates for your best deal CHARTERED BANKS ATB Financial Alterna Bank Bank of Montreal Bank of Nova Scotia

variable 2.4 4.10op 2.45

1 year

2 years

3 years

4 years

5 years

4.1 4.10op 4 6.30op

3.04 4.10op 2.79 6.30op 3.09 6.95op 3.29 6.50op 3.14 6.30op 2.84 6.35op 3.14 3.14 6.35op 2.84 3 3.20op 3.14 6.70op

2.39

2.54

2.59

2.69

2.49

2.69

2.48

3.19

3.59

4.09

2.59

3.09

3.39

3.89

4.49

3.04

3.65

4.2

4.74

2.79

2.44

4.09

4.79

3.04 2.7

3.65 3.39

4.39 4.09

4.64 2.7

2.84 2.94

2.84 2.84

2.89 2.79

2.89 2.89

3.04

3.39

2.64

2.74

2.79 2.34

3.34 2.44

3.99 4.39

4.44 4.64

2.84

3.39

2.39

2.59

3.24

3.49

3.69

3.79

3.25 3.5

3.95 3.7

4.39 4.3

4.64 4.35

2.14 3.09

2.34 3.39

2.59 3.89

2.49 2.45

3.09

3.39

3.89

4.49

2.69

2.49

2.69

2.48

2.89

2.95

2.99

2.89

2.24 2.79

2.39 2.89

2.49 2.95

2.59 2.89

3.09

3.39

3.89

4.64

3.2

3.65

4.5

2.79

2.64

3.89

2.44

2.69

3.49

3.99

4.54

2.85

2.95

3.05

3.15

2.39

2.49

2.7 2.9

Canadian Western Bank CIBC

6 months

6.95op 4.55 6.45op 4 6.45op

2.7 6.95op

Equitable Bank HSBC Bank Canada

2.79

ICICI Bank Canada Manulife Bank

2.75 2.6

National Bank

n/a

President’s Choice Finan Royal Bank

2.7 2.6

TD Canada Trust

2.6

Tangerine

2.7

4.45 6.20op 4.45 4.4 6.70op

6.75op

3.14 6.75op 2.99 6.30op 3.19

TRUST COMPANIES Community Trust Effort Trust

n/a n/a

Home Trust Investors Group Trust

2.25 n/a

MTCC

2.9

6.5 4.45 6.30op 3.95 4.2 6.50op 4.55 6.45op

3.14 3.35 6.30op 2.69 3.14 6.30op 3.29 6.50op

4 6.30op 6.2 6.40op 3.1 4.25 6.50op 4.2 6.50op

2.79 6.30op 2.84 6.30op 2.29 2.89 6.50op 3.14 6.30op 3.25 6.25op 2.84 6.30op 2.99 6.30op 2.8 2.95op 2.39

OTHER FINANCIAL INSTITUTIONS Alterna Savings

2.45

Comtech Fire C.U.

2.45

First National Fin. LP IC Savings

2.7

London Life

n/a

Luminus Financial

3.25

Meridian Credit Union

2.4

PACE Savings & C.U.

4 5 6.70op

Parama Credit Union

2.65

Steinbach Credit Union

2.25

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator Notes: **Interest rate charged subject to adjustment during term mortgage. Please consult institution for term of years available. All rates are prime rates and subject to change without notice. R.O.R.= RATES ON REQUEST op= OPEN -----= NOT QUOTING N/A= NOT AVAILABLE October 24, 2016. Prepared by http://www.FiscalAgents.com/mortgage/rates

48 YPNEXTHOME.CA

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Visit our website: NOV 11 - DEC 9, 2016 | NEW CONDO GUIDE 49

Ad Index

ADVERTISERS Albert Park Station - Carlisle Group

Avenue - Grosvenor Developments

Jumping Pound Ridge - Slokker West

Kensington - Bucci Developments

Avira Townhomes - Jayman Built

Legacy Gate - Carlisle Group

Bridgeland Crossing - Apex City Homes

Legacy Park - Brad Remington Homes

Bridgeland Hill - Gablecraft Homes

Mark 101 - Shane Homes

Carnaby Heights - Jayman Built

Radius - Bucci Developments

Champagne - Remington Development Corp.

Copperfield Park III - Brad Remington Homes

The Rise - Jayman Built

Creekside Village - Carlisle Group

Sanderson Ridge - Telsec

DiseĂąo in Sherwood - Landmark Builders Group

V&V - Providence Developments

Emerald Sky - Carlisle Group

Verona - Trico Homes

Westman Village - Jayman Built

Zen Cranston - Avalon Master Builder

Zen Ravenswood - Avalon Master Builder

The Gates - Remington Development Corp.

Gates at Hillcrest - Mattamy Homes

The Guardian - Hon Towers Ltd.

2, 16-17

The Henry - Brookfield Residential

INK - Battistella Developments

50â€ƒYPNEXTHOME.CA

Regatta - Brookfield Residential

1, 11-14

My CONDOS FROM THE LOW

$100â€™S

SHOW SUITES NOW OPEN! 215 Legacy Blvd SE | 403.931.8558 2:00-8:00pm Monday-Thursday 12:00-5:00pm Sat-Sun/Holidays