Issuu

Calgary Edition

Aug 23 - Sept 20, 2013 Volume 16 Issue 09

INSIDE THIS INSIDE ISSUE THIS ISSUE

Jan 6 - Feb 3, 2012 Volume 20 Issue 01

THE FAST LANE TO WORD-OF-MOUTH MAKING SENSE OF A BEGINNER’S GUIDE TO MORTGAGE FREEDOM ADVICE FOR MOVING MORTGAGE TERMS ARRANGING A MORTGAGE

THE ART OF WELCOME NEWDECOR YEAR SMALLTHE SPACE WITH A NEW ATTITUDE

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04 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

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newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 05

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newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 07

table of contents

Aug 23 – Sep 20, 2013 volume 16 issue 9

11 avi urban

launches townhomes in Nolan Hill

columns, news & features 010 editor’s note Columnists

016 calgaryism Our beloved river parks and pathways by cody battershill

020 saving space Downsize for condo living by sylvia daoust

026 contemplating condominiums Newsletters inform and unite a condo community by linda palfi

040 make your move The word-of-mouth factor by Dan hopkins

050 Style File The big art of decorating small spaces by Yanic Simard

068 condo pro “Downsize” becomes “rightsize” when you choose the right condo by barbara lawlor

Homebuyers’ Help

011 cover story Avi Urban launches new collection of townhomes in Nolan Hill BY heather ryan

018 cMHC Report July housing starts 022 Homebuyers’ Help Buying a condo: Who you need on your team 028 condo profile Remington opens ‘The Gates’ to affordability in Quarry Park BY heather ryan

032 condo profile Avalon’s Zen in Auburn Bay a hit with buyers BY heather ryan

036 finances The fast lane to mortgage freedom 044 condo profile Enjoy upscale living at The Landings at Cougar Ridge BY heather ryan

058 on the move Packing tips to make your move a little easier 071 Homebuyers’ Help Condo Buyers’ Resource Section 074 INDEX Project Location Maps

015 Northwest Map 025 Southeast Map 043 Southwest Map 053 Northeast Map 057 Satellite Communities 061 Inner City

28 Vice-president, Wall2Wall media

Jacqueline Hill editor-in-chief

Susan Legge editor

Lydia McNutt art Director

Daiana Garay Design editor

Yanic Simard media consultant

Natalie Houghton 587.226.1313 like us on facebook: search: calgarynewcondoGuide contributing editors

Sara Duck Wayne Karl Elisa Krovblit production manager

Bala Gnanapandithan production co-ordinator

Greg Van Sluytman Graphic Designer

Viosa Barileva national account manager, mediative

Paul Slizys PUBLISHED BY

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

newcondoguide.com

copyriGHt 2013 Copyright covers the contents of this publication and prevents reproduction in whole or in part; offenders will be prosecuted. We reserve the right to refuse any advertising, to make changes or edit advertising as necessary. Care will be taken to ensure copy accuracy but no warranty is implied or given by the publisher. The publication, the publisher and the printers shall not be responsible for any typographical errors, mistakes, misprints, spot colouring or any information or lack of information furnished by the advertisers. Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada. aDVertisinG rates

T 587.226.1313 email 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 Partnerâ€™s In Growth Reforestation Program through St. Joseph Communications. To date, Partners in Growth has planted over two million trees in parks, recreation and conservation areas, and other public spaces across Canada. Established in 1990, this program was started with Scouts Canada to help replenish the environment.

EDITOR’S NOTE

THE NEW CONDO EXPERIENCE Make wise choices and enjoy the process

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

When only a new home or condo will do, those in the market will be pleasantly surprised by the exceptional value and attention to detail buying new has to offer. When you buy new, you don’t inherit somebody else’s worn carpeting, personal taste in kitchen appliances or paint colour preferences. You get a fresh, clean space that’s waiting for your personal imprint.

›› Determine which options and upgrades you want as part of your offer and ensure your lender will finance what’s required, if needed; ›› To save money, consider which upgrades you could purchase and install them yourself after the sale closes. Some upgrades such as rough-ins and wiring inside the walls are easier to do during construction.

If you’ve fantasized about buying a brand new home, these tips will help make the process a pleasant one:

Factors like the cost of the home, neighbourhood and extra features play a big role in your final decision. Determining which features your new condo must have, and which ones you can live without, are among your first steps in the home-buying process. We hope you enjoy this issue of New Condo Guide. Let us know what you think. We’d love to hear from you.

›› Shop the mortgage market to see what you can afford before you start your hunt; ›› Obtain a lawyer to review your offer and help you close the deal; ›› Don’t be persuaded by high-pressure sales tactics while you’re shopping;

DOWNSIZING & UPGRADING

More to your condo than just square footage

LYDIA MCNUTT

EDITOR

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

When it comes to your home, whoever said “bigger is better” has obviously not toured a new condo lately. Builders today offer smart suite layouts, and more in terms of amenities that take living well beyond your four walls. When choosing your next new home, think about how you use your space. Sure, bedrooms are a must-have – after all, we sleep away about onethird of our lives – but how do you like to spend those precious waking hours? Maybe that spare bedroom would be put to better use as a home office, or a dedicated media room for TV viewing and movie nights. Alternately, if your condo offers a theatre-style screening room as one of its amenities (as many do these days), then maybe that spare bedroom can become your hobby room, a “man cave,” or a play room for the kids.

10 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

Many condos offer a roster of amenities that people who live in lowrise houses only dream of. How would you like to spend your summer days by the rooftop pool? Work up a sweat in the gym, catch up on some reading in the library, or host a swanky soirée in the party room, complete with a bar and caterer’s kitchen so your guests never see you break a sweat. The opportunities are endless for quality “me” time in your condo, all without ever leaving the comfort of home. In terms of your actual suite, spaces are efficiently designed to make the most of every square inch. Openconcept living areas, furniture-style cabinetry, multi-functional furnishings and hidden storage all make compact condos live larger than their square footage, ensuring the space you do have, large or small, is the sweetest space of them all.

cover story

Avi Urban

launches new collection of townhomes

in Nolan Hill // By Heather Ryan A new collection of townhomes

that present stylish and affordable designs to suit various lifestyles of today’s buyers is being launched by Avi Urban in the picturesque northwest community of Nolan Hill. Avi Urban, the multi-family division of Homes by Avi, is crafting The Post at Nolan Hill that will appeal to buyers looking for

quality, space and value. Located at 64 Nolan Hill Gate N.W., this stunning collection of townhomes was just released for sale in late July with launch pricing starting in the $270,000s. “We are excited to launch this new townhome development in the incredible new northwest Calgary community of Nolan Hill,” says Chris Pollen, sales and marketing manager for Avi Urban. “The homes at The Post are designed to bring together traditional exteriors with modern interiors that reflect how our homeowners’ live, creating a place that will become one of Calgary’s most sought after addresses.” The Post is a dynamic enclave of 59 three-storey townhomes that will be located in seven buildings and feature two-car attached garages with

Nolan Hill itself offers old-world Irish charm in a tranquil natural setting with rolling hills and ravines, an abundance of greenspace and three beautifully designed wet ponds.

12 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

full driveways that will accommodate parking for three cars. Townhomes in The Post offer buyers a choice from six different floor plans with two- and threebedroom options available ranging from 1,130 to 1,400 sq. ft. Pollen notes these wellappointed homes come standard with nine-ft. ceilings on the main floor, contemporary mix-andmatch interior finishes and quality features throughout. The Post also presents gorgeous colonial architecture styling presenting mixed exterior finishes such as brick and James Hardie siding, oversized windows and brightly coloured front doors adding character and value to the development. Residents will love that outdoor living is in abundance with the townhomes being built around a lushly landscaped central courtyard, (an Avi Urban signature in many of its developments), which features well-lit pathways, benches,

local foliage and open greenspace for community barbecues or outdoor activities. As well, The Post borders a large community park complete with an idyllic pond. “The Post in Nolan Hill is designed for people who are finding their way and starting the next stage of their lives,” Pollen says. “From first-time buyers to newlyweds, we know The Post will appeal to tons of different homeowners because it’s young and fresh, while still being functional and affordable.” Nolan Hill itself offers old-world Irish charm in a tranquil natural setting with rolling hills and ravines, an abundance of greenspace and three beautifully designed wet ponds. One of the community’s most inviting features is the castle-ruins structures at its main traffic circle entry that sets the Irish tone for the community.

Residents will appreciate the location close to several major routes, including Stoney Trail, Sarcee Trail and the recently opened north extension of Shaganappi Trail offering ease of access to downtown, the airport, points across the city and out-of-town to the foothills and mountains. Conveniently situated near Shaganappi and Sarcee Trails makes it easy access Beacon Hill shopping centre, which has an array of big retailers such as Costco, Shopper’s Drug Mart, Future Shop, Good Life Fitness, Canadian Tire, Starbucks and more, and is just five minutes away, or residents can walk to the under construction retail plaza across the street. There is also a wide range of amenities at Creekside and CrossIron Mills shopping centres a short drive away. Avi Urban is also crafting similar townhomes at Edison at Walden in southeast Calgary that has been well received by buyers. Edison is comprised of 157 three-storey townhomes with two or three bedrooms, double-car attached garages and full driveways, starting in the $260’s. For more information about The Post, visit the showhomes at 34 Evansview Rd. N.W. or the sales centre at 64 Nolan Hill Gate N.W., which are open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., call 403.536.7290 or visit Aviurban.com/thepost Edison at Walden has a showhome at 285 Walden Dr. S.E., open Monday to Thursday, 2 to 8 p.m., weekends and holidays, noon to 5 p.m. For more information, call 403.536.7236 or visit aviurban.com/edison

newcondoguide.com | Volume 16 issue 09 | NEW Condo Guide 13

Northwest townhome living Kismet Boulevard townhomes ‘Kismet’ mODeL sHOWsUite NOW OPeN

up to 1466 sq.ft. from $317,732 + GST

$1531 monthly

or Qualifying income $66,567

Extra-wide Viva Ravine townhomes up to 1638 sq.ft. from $357,461 + GST

$1722 monthly

or Qualifying income $74,516

Visit our new Kismet model show suite and you’ll be charmed by its beauty and amazing amenities. • Three bedroom 3-storey townhomes • Open concept with flex space • Heated double garage • Full and half driveways • South-facing back decks • Double master bedroom options • À la carte decorating – choose from three palettes • Stainless steel appliances • 2.5 baths • Washer and dryer • Many more luxurious features

Kismet means destiny – to live in comfort and style!

9 Nolan Hill Blvd NW 403.460.4369 Sales Centre Hours: Mon to Thu 2 - 8 pm Sat/Sun 12 - 5 pm

Tr pi

ap an

Symons Valley Rd

144 Ave

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NOLAN HILL

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Lucky You! Trinity, a new collection of 99 stylish townhomes by Jayman Modus, is your private enclave in the charming community of Nolan Hill. Abundant artful landscaping frames pathways and secluded spots perfect for sipping coffee with friends. Kids will revel in long days of outdoor adventures in our well-equipped play area. And groceries, shopping and neighbourhood pubs are just steps away. You’ll love Trinity today, tomorrow and for generations!

Find us at: jayman.com/trinity or

BEACON HILL Shopping Centre Stoney Tr

Trinity Condo Guide Full page September.indd 1

8/6/2013 4:47:08 PM

OLD BANFF COACH ROAD

FO OT TR A

Ave UNIVERSITY CITY 32 14 BY KNIGHTBRIDGE

HE GROVES OF VARSITY 15 T BY STATESMAN HOMES 16 AVENUE 5353 Crowchild Trail NW

16 C OVENTRY STATION BY HUNTER RESIDENTIAL E V I D R DEVELOPMENTS 36 STREET

SARCEE TRAIL

10th Street & 3rd Avenue NW

13 S AGESTONE BY GREENVIEW DEVELOPMENTS

13001 Coventry Hills Way www.coventrystation.ca

17 B ROWNSTONES BY GENESIS BUILDERS GROUP

500 Rocky Vista Gardens N.W.

03 R ED HAUS BY STREETSIDE

06 TRINITY BY JAYMAN MODUS GLENMORE RESERVOIR 9 Nolan Hill Blvd. NW

16 Sage Meadows Circle NW

BLACKFOOT TRAIL

04 S WAN LANDING BY SWAN GROUP

05 E NCORE AT KINCORA BY CARLISLE GROUP

18 S ONOMA AT SAGE HILL BY VERTICAL PROPERTIES 881 Sage Valley Boulevard www.sonomasagehill.com

19 9 16 BY SABLE DEVELOPMENTS

37th Street and Kincora Glen Road N.W.

Coming Soon

20 T HE POST (NOLAN HILL) BY AVI URBAN BARLOW TRAIL

118 - 30 Royal Oak Plaza N.W.

CALGARY INTERNATIONAL AIRPORT

17 Ave

02 V EN BY BUCCI

Coming Soon Show Suite 306 10th St. NW vencondos.com

12 S T. JOHN’S 10TH STREET IN KENSINGTON BY STREETSIDE

MacLEOD TRAIL

RAIL

1120 Kensington Road NW

ME M O R I AL

ELBOW DRI VE

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02 12 19 11

37 STREET

GLE 01 P ANORAMA WEST NM ORE BY CARDEL LIFESTYLES T

11 P IXEL BY BATTISTELLA

livesagestone.com

16 AVENUE

69 STREET

85 STREET

64 Ave

34 Evansview Rd NW

EDMONTON TRAIL

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10 P ROSPECT RISE BY AVI URBAN

HA RV BLVEST H D N ILLS E

AIL TR

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

09 E VANSTON SQUARE BY STREETSIDE 25 Evanspark Way NW

01 . BLVD S L IL H

NOSE HILL PARK

3951-46 Avenue NW

STONEY TRAIL NW

05 TRY N COU BED DIN GTO NT RAI 14 LN ST W RE ET

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STONEY TRAIL NW

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Sage Hill View NW

08 V ARSITY LANDING BY CARLISLE GROUP

CENTRE STREET

85 ST. NW

07 S AGE HILL VILLAGE BY SLOKKER CANADA WEST INC.

CENTRE STREET

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07 13 20 18 SY MO

14 STREET

ROCKY RIDGE BLVD.

144 AVE NW.

PANORAMA ROAD NW.

NORTHWEST COMMUNITIES

SOUTHLAND DRIVE ANDERSON ROAD

DEERF

Coming Soon www.aviurban.com/thepost

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newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 15

CALGARYISM

// BY CODY BATTERSHILL

OUR BELOVED RIVER PARKS AND PATHWAYS During all seasons, we use them for a multitude of activities, and they’re an especially great way to enjoy the summer. A day spent at Calgary’s river parks and pathways is well spent. ACCESSIBILITY

Cody Battershill is the founder of Calgaryism and a top-producing realtor at Re/Max House of Real Estate. He also sits on the condominium task force at the Calgary Real Estate Board. He can be reached at 403.370.4180 or calgaryism.ca

hat would Calgary be like without our network of river parks and pathways? It’s hard to picture, considering many Calgary communities from north to south are intertwined with the Bow and Elbow Rivers which are part of the very essence of desirability these neighbourhoods have to begin with. But our rivers and what they offer are so much more than just a bonus characteristic for nearby communities. They are a focal point for our entire city; using our river parks and pathways has become second nature for many Calgarians.

When I was young, my family and I lived nowhere near the rivers. At least once a week, we would spend a good portion of our day at the river parks and pathways doing a variety of family activities. It’s an excursion of sorts – where you reach your destination and know you’re going to have the best day ever. If you live in the inner city, getting to and from the rivers takes only a few minutes, and is easily doable without getting in a car at all. The same goes for singles and couples who use the rivers on a regular basis, living in the inner city means accessing the rivers is a breeze. CONVENIENCE

Young urbanites who might not have a family yet and live in the inner city have the ultimate level of convenience when using the river parks and pathways. Getting in a cardio workout, going back to the inner-city condo, showering and meeting the friends – all in a short period of time becomes reality. AMENITIES

Those families who sometimes forget essentials such as water, snacks and cash on their river excursions – like mine did – do not have to worry, as the rivers in Calgary’s inner city are swarming with amenities and services. And a lot of them aren’t your typical convenience store, shop or café. They are some of the best there is in Calgary, where you will find the most delicious food, drink and sometimes other unusual oddities you never knew you wanted. Once in a while, my mother would come home with a full backpack of things she bought during our day trips. She has a knack for shopping. Maybe that’s why we went down there in the first place. Who knows? But what we do know is that the convenience provided by the amenities found along the pathways of Calgary’s inner city can sometimes make your day, especially if you’ve forgotten a bottle of water on a hot summer’s day, and someone is thirsty! I LOVE OUR RIVERS!

We are truly blessed to live in such a wonderful city like Calgary with beautiful rivers which contribute greatly to the enjoyable living experience many of us have. After all, who can imagine life in Calgary without our river parks and pathways? Not me! 16 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

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CMHC Report

July housing starts Housing starts in Canada were trending at 187,416 units in July compared to 182,142 in June, according to Canada Mortgage and Housing Corp. (CMHC). The trend is a sixmonth moving average of the monthly seasonally adjusted annual rates (SAAR)1 of housing starts. “The trend in total housing starts continued to be relatively stable in July, remaining within a narrow range of roughly 182,000 to 188,000 units since March 2013,” says Mathieu Laberge, deputy chief economist at CMHC. “For the past few months, total housing starts have followed the stabilizing trend observed in sales of existing homes earlier this year. As expected, the trends in the two market segments typically follow a similar pattern with the new home market lagging behind the existing home market by a few months.” CMHC uses the trend measure as a complement to the monthly SAAR of housing starts to account for considerable swings in monthly estimates and obtain a more complete picture of the state of the housing market. In some situations analyzing only SAAR data can be misleading in some markets, as they are largely driven by the multiples segment of the markets which can be quite volatile from one month to the next. The standalone monthly SAAR was 192,853 units in July, relatively unchanged from 193,797 in June. The SAAR of urban starts decreased by 2.1 per cent in July to 173,042 units, mostly reflecting a decline in the single starts segments in July. Specifically, single urban starts decreased by 5.5 per cent to 58,731 units in July while the multiple urban starts segment held steady at 114,311 units. July’s seasonally adjusted annual rate of urban starts increased in British Columbia. Urban starts decreased in all other regions, including Atlantic Canada, the Prairies, Ontario and Quebec. Rural starts2 were estimated at a seasonally adjusted annual rate of 19,811 units. 1 All starts figures in this release, other than actual starts and the trend estimate, are seasonally adjusted annual rates (SAAR) — that is, monthly figures adjusted to remove normal seasonal variation and multiplied by 12 to reflect annual levels. By removing seasonal ups and downs, seasonal adjustment allows for a comparison from one season to the next and from one month to the next. Reporting monthly figures at annual rates indicates the annual level of starts that would be obtained if the monthly pace were maintained for 12 months. This facilitates comparison of the current pace of activity to annual forecasts as well as to historical annual levels. 2 CMHC estimates the level of starts in centres with a population of less than 10,000 for each of the three months of the quarter, at the beginning of each quarter. During the last month of the quarter, CMHC conducts the survey in these centres and revises the estimate. 18 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

Housing Starts in Canada – All Areas * Thousands

275 250 225 192,853

200 175

187,416

150 july 2011

july 2012

july 2013

Housing starts, SAAR Housing starts trend line (six-month moving average)

Preliminary Housing Start Data July 2013

June 2013

Trend1, all areas

182,142

July 2013

187,416

SAAR, all areas

193,797

192,853

SAAR, rural areas

17,061

19,811

SAAR, urban centres2 Single-detached

62,174

58,731

Multiples

114,562

114,311 173,042

Total

176,736

Atlantic, urban centres2

8,143

6,661

Quebec, urban centres2

30,023

29,652

Ontario, urban centres2

60,378

59,547

Prairies, urban centres2

48,797

46,350

British Columbia, urban centres 2

29,395

30,832

Canada

July 2012

July 2013

Actual, all areas

19,852

17,993

Actual, rural areas

2,376

2,256

July — Single-detached

6,731

5,809

July — Multiples

10,745

9,928

July — Total

17,476

15,737

Actual, urban centres2

January to July — Single-detached

37,884

34,841

January to July — Multiples

72,795

58,398

January to July — Total

110,679

93,239

Source: CMHC Seasonally adjusted annual rates Urban centres with a population of 10,000 and over Detailed data available upon request 1 2

As Canada’s national housing agency, CMHC draws on more than 65 years of experience to help Canadians access a variety of high-quality, environmentally sustainable and affordable housing solutions. CMHC also provides reliable, impartial and up-to-date housing market reports, analysis and knowledge to support and assist consumers and the housing industry in making informed decisions.

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CONDO GUIDE

Saving Space

// by sylvia daoust

Downsize for

Condo Living Start Thinning Out Your Belongings three Months Ahead

›D eciding what to keep requires taking a hard look at the lifestyle you are › › › Sylvia Daoust, owner of Niche Designs Inc., specializes in custom storage design for small spaces. She is a member of the POC, sitting on the National Conference Committee. Join her blog, nichedesignsinc.com/blog where smart solutions transform challenging spaces every week! Follow Sylvia on facebook.com/nichedesignsinc and Twitter @SylviaDaoust. Scan to win a “Small Space Makeover” and visit nichedesignsinc.com for details on services.

ownsizing usually means leaving a familiar neighbourhood, a house full of memories and comfortable lifestyle. It also involves de-cluttering – letting go of furniture, family treasures and items of sentimental value. Transitioning into a much smaller space can be physically and emotionally exhausting! If you find yourself overwhelmed by the sheer thought of downsizing, here are a few tips to make this daunting task a little easier.

› ›

transitioning into. A good pair of walking shoes takes up much less space than a treadmill! H eavily edit the areas with items that have less sentimental value, like the kitchen, garage and storage areas. D o a sweep through the house, room by room and deal with the trash first. Anything that is in rough shape and won’t sell. K eep only a third or half of your current stuff. Translation: get rid of 50 per cent of the contents in each room! Keep only what you can’t live without. Th ere will be many items that are difficult to let go of. Make this agreement with yourself. “I’ll put the items in storage. If I don’t need or use them within six months, I promise to give, sell or throw them away!” T ry a colour-coded system using stickers to organize your boxes… basement/ blue, office/orange. Label the contents of each box before you tape it. Trust me, you won’t remember what’s in the “basement” box after the move!

You’ve Found the Perfect Condo… Now What?

›M easure your new space so you know what current furniture pieces will fit and › › ›

Downsizing usually means leaving a familiar neighborhood, a house full of memories and comfortable lifestyle. 20 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

which ones need to go. Try Better Homes and Gardens; Arrange a room to play with the layout. F ind a home for the larger pieces you can’t take with you. Try family members, local churches or donation centers, online buy/sell sites and consignment stores (Freecycle, WINS of Calgary, MaxSold). C heck out the size of your condo’s storage spaces. Compare the number of kitchen cupboards and closets with what you currently have. This will help you make good decisions on the volume of items you can keep. S chedule a donation/dump bin when you are certain you’ll have time to dedicate to using it! Or arrange for a local pickup service that accepts furniture (Neibourhood Link in Calgary).

NORTHWEST

15 minutes from lift off Where you want to be.

SHOWHOMES NOW OPEN Whether it’s connecting with family, your favourite shopping area, a huge park or fantastic nights with friends, Sonoma is where you want to be. › Minutes from Stoney Trail › Spacious, open concept two & three bedroom floor plans with attached garage (1,159 - 1,289 sq.ft.) › Walk-Out Ravine Townhomes › James Hardie Siding + Stone Accents › Samsung Washer / Dryer, Frigidaire Stainless Steel Appliances, LVT Flooring & Italian Designer Fixtures

TOW N H OME S F ROM T HE

260s Artist’s rendering only

SHOWHOMES

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l NW Trai ppi ana

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sonomasagehill.com NCG_May 2013.indd 1

13-05-31 10:56 AM

homebuyers’ help

This can leave you vulnerable to substantial additional repair and renovation costs that a pre-purchase inspection might have detected.

Buying a condo who you need on your team

When you buy a condo, you’re not just buying a place to live. You’re becoming part of a community. Before you make an offer on your dream condo, Canada Mortgage and Housing Corp. (CMHC) recommends that you get some expert advice to help you navigate through the process. CMHC has identified these industry professionals who are ready and willing to provide you with the advice necessary for a smart, informed purchase. Real estate lawyer A lawyer who is knowledgeable about condominiums can protect your legal interests, explain all the documentation and review the purchase and sale agreements. Your lawyer will determine whether or not there are any legal actions pending against the condominium. If your offer is accepted, he or she will also be responsible for many of the closing arrangements. Home inspector While most buyers of resale homes wouldn’t even think

of signing on the dotted line without having a home inspection, there are benefits to having your newly built condominium unit inspected as well. A qualified home inspector will go through the suite and common elements and perform a comprehensive visual inspection. The inspector will determine the components that are not performing properly as well as items that are beyond their useful life or are unsafe. He or she will also identify areas where repairs may be needed or where there may have been problems in the past. Inspections are intended to provide you with a better understanding of a property’s condition before you buy. All too often, people make purchase decisions too quickly in anticipation of competing offers. 22 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

Financial Institution Your bank manager or financial adviser can help customize your mortgage to suit your financial goals and ensure you can afford your monthly mortgage payments. CMHC’s online interactive guide, Homebuying Step-by-Step available at cmhc.ca, can help you determine what price range you should be looking at and how much you can really afford. You should also investigate the financial well-being of the condominium corporation you’ll be buying into. For resale condominiums, check documents such as the estoppel or status certificate as well as annual operating budgets and end-of-year financial statements. Technical audits and reserve fund studies can also offer insight on the condition of the building and the adequacy of the reserve fund to meet future major repairs and building renewal work. For new buildings, also review the full disclosure statement.

NORTHWEST

@StreetsideYYC

85 STREET

H RC

VD BL

Y D TR LV UN S B CO ILL H

Visit our sales centre at 126-30 Royal Oak Plaza.

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October possessions

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AUBURN BA

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EDMONTON TRAIL

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INTERNATIONAL AIRPORT

16 AVENUE 12 AVENUE

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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

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ELBOW DRI VE

585 McKenzie Town Drive SE

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W BO

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NEW BRIGHTON

116 Quarry Park Way SE

TTO BO AIL

07 F UIS O

MARQ

AIL

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D TR

McKE

LEO

Mac

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EK P ARK

SHAWNESSY BLVD.

02 11

MAHOGANY

16 06 08 13

SETON BLVD.

02 COPPERFIELD PARK BY BRAD REMINGTON HOMES

06 ZEN BY AVALON MASTER BUILDER

03 AUBURN BAY BY BROOKFIELD HOMES

07 PRESTWICK PLACE BY CARDEL LIFESTYLES

04 MOSAIC LAKESIDE AUBURN BAY BY BROOKFIELD HOMES

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16 AUBURN BAY BY STONECROFT

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

05 MINT BY JAYMAN MODUS

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285 Walden Drive SE aviurban.com

09 10

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CRANSTON

01 12 15

IL E TRA LORN

CHAPARRAL

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290 Chaparral Valley Drive SE

13 MOSAIC CRANSTON BY BROOKFIELD HOMES

114 AVE SE

DEERF18 OOT T RAIL

CRE

12 INNOVATIONS BY JAYMAN CHAPARRAL VALLEY

84 STREET

ANDERSON ROAD

52 STREET

BARLOW TRAIL

GLENMORE TRAIL

SOUTHLAND DRIVE

FISH

10 MCKENZIE TOWNE ELGIN BY BROOKFIELD HOMES 11 CHALETS IN COPPERFIELD BY SABAL HOMES

MacLEOD TRAIL

GLENMORE RESERVOIR

17 Ave

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19 CHAMPAGNE BY REMINGTON DEVELOPMENTCORPORATION

130 New Brighton Way SE thatsmint.ca/live

Quarry Park Blvd SE remingtoncorp.com

20 CRANSTON PLACE CONDOS BY CARDEL LIFESTYLES

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21 CRANSTON PLACE TOWNHOMES BY CARDEL LIFESTYLES

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22 MAHOGANY STREET TOWNS BY HOMES BY AVI

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

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www.copperfieldpark.com 403.723.0094 newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 25

CONTEMPLATING CONDOMINIUMS

// by Linda Palfi

Newsletters

inform and unite a condo community

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 or call Linda for more information at 403.998.7732

he best condominium corporations inform and unite their owners with regular in-house newsletters. These newsletters don’t need to be fancy to communicate effectively between the Board of Directors and the owners to explain Board decisions, alert owners to pending projects, and invite participation on the Board and in volunteer clean-up projects. Simply put, condominium newsletters create a sense of belonging. Some go so far as to recognize owners’ birthdays and welcome newcomers by name, while others stick to the business of the corporation. Either way, a condominium apartment building or townhouse development is well served if its Board puts out a regular newsletter to communicate with all of the owners.

Writing, of course, is not a committee function. It’s best if one person has authority to write newsletters, perhaps running them past the Board Chair before these are printed and posted in the mail room, slid under doors, and e-mailed to off-site owners. Newsletters should also be posted to the condo corporation’s own web site, which if it doesn’t yet have, it should create. That web site should also post all the condominium documents that owners need for sale. While fancy layouts and photos in a newsletter are great, most condo owners are perfectly happy with a single-sheet typed newsletter that lets them know what’s going on with the administration of their homes, with the finances, and with any issues such as enforcement of Bylaws on a disruptive owner or tenant or an owner.

Whether regularly scheduled or published whenever there’s some news fit to print, a newsletter is an important in-house communication tool for every condominium corporation. Here’s a list of topics a newsletter should cover: » Scheduled maintenance, such as parking lot and garage spring sweeping and window cleaning. » Planned future major projects that will be disruptive, such as an elevator upgrade. » The corporation’s cash situation, both in the operating fund and reserve fund. » Early notice of changes to the monthly condo contributions and very early (one year’s notice?) of a planned special assessment. » A summary (without names or suite numbers) of any arrears and actions taken to collect them. » Advance notice of the annual meeting of owners and of any social event. » Calls for volunteers to serve on the Board and to help with clean-up projects. » Reminders of Bylaw rules, such as those prohibiting storage on balconies and in parking stalls. » Reminders to carry adequate insurance, to close laundry water shut-offs between washes, and to close windows and doors in winter to avoid frozen pipes. » Reminders of the management company’s phone number and the assigned Property Manager’s name. Whether regularly scheduled or published whenever there’s some news fit to print, a newsletter is an important in-house communication tool for every condominium corporation.

26 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

condo profile

Remington

opens ‘The Gates’ to affordability in Quarry Park // By Heather Ryan

gorgeous boutique-style condo is opening the gates to a unique opportunity for buyers in Quarry Park – affordability without compromising on space, quality and features. Remington Development Corp., which is developing the estate community of Quarry Park, has launched The Gates, a three-storey upscale building featuring just 32 homes giving residents a community feel in a stellar location. “The Gates is located right at the entrance to the river bank, overlooking a water feature and beautiful landscaping,” says Remington’s residential director Glen Deibert. “It also offers the size and price point that’s been missing in Quarry Park targeting people who enjoy condo living and want to live in an estate community but don’t have the huge budget. We appeal to people who want to downsize without breaking the bank or sacrificing on style, space and quality.”

28 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

With the tremendous response so far to The Gates, it appears that Remington has “targeted the sweet spot,” Deibert says. We had four sales on our first day and with an official groundbreaking in the fall, the time to register is now.” Buyers can choose from several plans to suit their needs including: one-bedrooms plus dens at 770 sq. ft.; two-bedrooms starting at 1,070 sq. ft.; and threebedrooms at 1,315 sq. ft. The homes are priced from the $290,000s to the $400,000s. “The one-bedrooms all come with dens and at 770 square feet, you’re getting a great space with a large master bedroom, 90 square feet of den space and lots of storage,” Deibert says. The well-appointed interiors feature an array of high-end features such as nine-ft. ceilings, tile floors, granite countertops, five-piece cabinets and drawers, stainless steel appliances, kitchen islands and pantries,

Residents will be pleased that they can walk to The Market in Quarry Park, which serves as the central plaza and gathering place and offers a variety shops, services, restaurants and a Co-op grocery and liquor store. full-height subway tile backsplash, large in-suite laundry, walk-in closets and ensuites in the master bedrooms and private balconies with accent rails and gas line hook-ups. Massive windows and transom windows ensure plenty of natural light and emphasize the views. Each home also comes with one parking space in the heated underground parkade, as well as a storage locker. There is also the opportunity to purchase a second parking space on a limited basis Buyers will also appreciate the Green elements in the building, such as dual flush toilets, energy-efficient lighting and products, high energy efficient appliances and on-site recycling. “The Gates is a stylish blend of traditional and contemporary elements of French and European architecture and every detail – the stone work, trim and landscaping – has been specifically chosen to complement the community,” Deibert says, noting the focal point of the building is the spectacular mansard metal roof that provides a grand entrance. Quarry Park’s location is also a major appeal to buyers. The community offers a perfect balance of residential, office, retail and natural green space all nestled alongside the Bow River making it an ideal place where people can live, work and play.

Residents will be pleased that they can walk to The Market in Quarry Park, which serves as the central plaza and gathering place and offers a variety shops, services, restaurants and a Co-op grocery and liquor store. Plus, they can enjoy more than 80 acres of parkland and a new recreation centre that is scheduled to open in 2015. Residents will enjoy easy access to Glenmore and Deerfoot Trails, rapid bus service and a 15-minute commute to downtown. “We truly expect that we have a product and price that will appeal to a wide range of people in an estate community,” Deibert says. “The Gates will become a highlight of the community because of its location at the entrance to the river and the green belt around it.” For more information about The Gates, visit the Presentation Gallery, open Monday to Thursday, noon to 8 p.m., and weekends and holidays, noon to 5 p.m., or visit remingtoncorp.com newcondoguide.com | Volume 16 issue 09 | NEW Condo Guide 29

VIEW OUR MAGAZINES ON ANY

DIGITAL DEVICE anytime, anywhere!

Now you can view all New Condo Guide magazines online using any smartphone, tablet or desktop device.

NEWCONDOGUIDE.COM Published by

ZEN CondoGuide 201308-1.indd 1

01-08-13 15:26

condo profile

Avalon’s ZEN

in Auburn Bay a hit with buyers // By Heather Ryan

n opportunity to live in a lake community with all the amenities you could need close at hand has spelled success for ZEN in Auburn Bay. Crafted by Avalon Master Builder, ZEN in Auburn Bay offers a mix of 189 single-level garden home and two-storey townhome designs with single- or double-car garages that have proven to be a sure fire hit with buyers.

32 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

“The response to ZEN has been fabulous, with Phase 1 sold out,” says sales and marketing coordinator Dean Clark. “We recently released Phase 2 and a number of townhomes have already been sold. “People really love the location in a gorgeous lake community and that we’re a half a block away from the South Health Campus,” he says. “We’re also within walking distance to Seton’s commercial area that will open Phase 1 in the fall, with a Save On Foods, Shoppers Drug Mart, restaurants and more, so all the conveniences and employment centres are right nearby.” Clark adds that buyers are also attracted to the floorplans and the price point starting in the $270,000s

From the planning stage through to completion, Avalon guided me through the entire process resulting in a beautifully designed Garden Home with its own private courtyard. I love the extra outdoor space and the open flow of the home. This single level home truly fits my needs. Dionne Williams ZEN Garden Home Owner

including GST, and that ZEN is a pet-friendly community with a dog washing station. The design and affordability appeals to first-time buyers, those looking to move up from apartment condos who desire more square footage and outdoor space, and people who are downsizing and want single-level living. Clark says the single-level garden homes feature an urban walk-down style with 1,017 to 1,125 sq. ft. of living space, two bedrooms and two full bathrooms, in-floor heating and a private patio. “The garden homes are a huge hit with single professional women and many ladies are finding

themselves making a lifestyle change,” he says. “They love the master bedroom with its own ensuite and walk-in closet, the convenient laundry and amenity space and the private terrace because it’s perfect for entertaining.” The two-storey townhomes offer several different plans ranging from 1,122 to 1,273 sq. ft. with two- and three-bedroom options. All the homes present a modern, open concept design with well-appointed interiors, and buyers can personalize their homes by choosing from four designer colour packages or mix and match from the various selections to create their own unique look. Avalon is also an energy-efficient builder, so every home is EnerGuide rated and uses quality products such as Hardie Board that offer increased durability and energy efficiency. Buyers also have the option to participate in Holmes Approved Homes that involves numerous inspections to ensure Mike Holmes’ high standards. “The energy efficient aspect in ZEN hits home with a lot of young buyers looking to save on energy costs, and we’re getting a good response from people,” Clark says. Residents can also enjoy the outdoors at their doorstep, as ZEN will feature two parks and droughttolerant landscaping throughout. Auburn Bay is conveniently located off Hwy. 22X with great access to Deerfoot Trail for ease of getting around the city, downtown and out of town. The eventual completion of Stoney Trail will also provide an additional route for residents. To learn more about ZEN in Auburn Bay visit the three showhomes – the Ellison, a 1,049-sq.-ft. garden home, the two-storey, 1,148-sq.-ft. Ambrosia and the two-storey, 1,122-sq.-ft. Prima – at 82 Auburn Bay Link S.E., open Monday to Thursday, 2 to 8 p.m. and Friday, weekends and holidays, noon to 5 p.m. For more information, call 403.966.3485 or visit zeninbalance.com newcondoguide.com | Volume 16 issue 09 | NEW Condo Guide 33

Why Re

nt? Con ta

ct U s No w

STARTING AT $119,900 +GST

• 1 bdrm, 1 bdrm + den & 2 bdrm + den units; 9’ ceilings; • in-floor heat

STARTING AT $164,900 +GST

130 Ave

Copperpond Blvd

SHOW HOME HOURS: Mon-Thurs 2-7pm Sat, Sun & Holidays 12-5pm Closed Fridays

STARTING AT $242,900 +GST

STACKED TOWNHOMES: • 1 & 2 bdrm units; • spacious layouts FULL TOWNHOMES: • 2 & 3 bdrm units; front porch; full undeveloped basement

403.230.2225 Sales Centre located at 121 Copperpond Common SE | Register Now: www.stonecroft.ab.ca

3 is

Now

Ope

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SHOW HOME HOURS: Mon-Thurs 2-7pm Sat, Sun & Holidays 12-5pm Closed Fridays

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Sales Centre: Corner of Seton Blvd & Auburn Bay Link SE | Register Now: www.stonecroft.ab.ca

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403.250.6655 4303 - 1 St. NE Sales Centre: Corner of 1 & 41 Ave. NE. | Register Now: www.stonecroft.ab.ca

Love

WHERE YOU

LIVE...

Finances

The fast lane to

mortgage freedom A low interest rate is often seen as the best way to save money on a

mortgage and the quickest route to becoming mortgage-free. But that’s only one part of an effective strategy. Don’t focus all your time and energy on rate comparisons. It is equally important to look for a mortgage with flexible terms, say specialists in this field. The average Canadian homeowner will pay his or her mortgage off in 15 years, according to a recent RBC Home Ownership Poll. Less than half (42 per cent) of homeowners are taking advantage of options that allow them to shave years off their mortgage and save on interest costs. Here are three tips to get you on your way to mortgage freedom:

1) Adopt a bi-weekly payment schedule

An accelerated bi-weekly payment is often the easiest adjustment that can help you save on mortgage interest – especially if you line it up with your paycheque. You end up making 24 bi-weekly payments a year versus 12 monthly payments resulting in interest cost savings as you pay down your principal faster. 2) Take advantage of prepayment privileges

A flexible mortgage may include features such as doubling up a payment or putting down a lump sum at the end of the year. These additional payments are applied directly to your mortgage principal and will reduce your amortization period. Consider putting a work bonus, tax refund or extra savings toward your mortgage balance. 36 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

An accelerated bi-weekly payment is often the easiest adjustment that can help you save on mortgage interest – especially if you line it up with your paycheque 3) Round up your payment

You can chip away at your mortgage without missing a beat by rounding-up your payment amount. Say your accelerated bi-weekly mortgage payment is $557. By rounding up your payment to $600 a month, you could put more than $1,000 per year extra toward principal and be mortgage-free faster. NC

Grand OpEnInG SEpTEMbEr 7Th Take advantage of pre-construction pricing from the low $300s!

P r e s e n t s

New townhomes in Mahogany, Calgary’s hottest lake community! Why your life in Mahogany is

5 3 mode to choose frls om

the ultimate Stay-cation The beaches (yep, Mahogany has TWO beaches)

Extensive wetlands – flora, fauna and fun!

Winter fun – skating on the lake or the hockey rink

Shopping, dining and entertainment just minutes away (seriously, it’s no more than 10 minutes to all those amenities)

The beaches (yes we mentioned them before, but they’re worth mentioning twice!)

up to 164 9 sq. ft.

Esprit I, II + III up to 1347 sq. ft.

Serendip

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MA H

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ity

II up to 132 4 sq. ft.

Bright and Beautiful Homes • open concept with 9’ ceiling

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For more details call our sales centre: 587.350.0237 jayman.com/ebony | 211 Mahogany Way SE | Showhome hours: Mon to Thu 2 - 8 pm | Sat/Sun 12 - 5 pm MAH-011_GrandOpening.indd 1

8/6/2013 4:54:49 PM

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.

canpages_filler_VF.indd 1

13-02-26 4:50 PM

SOUTHEAST

karma

3 bedroom 3 storey; 1645 sq ft finished Double car garage

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An exclusive collection of 2 & 3 bedroom townhomes with GARAGE with all the benefits 80% SOLD OUT, MOVE IN NOW!

Serendipity

2 bedroom 3 storey; 1234 sq ft finished Garage with full width driveway

$279,069 +GST

from $1314/month* qualifying income $57,697

• Easy access to Deerfoot Trail. 5 minutes away from grocery stores, restaurants, shopping and local amenities • New Brighton Club offers a wide variety of recreational and event programming suitable for everyone • Water park, tennis and volleyball courts open during summer; skating in winter • 20 acre central park and pond

Deerfoot Trail

52nd St

McKenzie Towne Blvd

Value added Features:

New Brighton Dr

130th Ave

New Brighton Way

McIvor Blvd Copperfield

f uis o Marq Trail Lorne

thatsmint.ca

• Double master options • 9’ ceilings • 2.5 baths • Flex room • Stainless steel appliances • Washer and dryer • Quartz countertop • Shag carpeting • Laminate flooring • Ceramic tile flooring • Wider stairwells • Huge balconies and windows • Landscaped with trees and pathways • Maintenance free living (includes snow removal and grass cutting)

130 New Brighton Way SE | Showhome Hours: Monday - Thursday: 2pm - 8pm | Weekends & Holidays: Noon - 5pm

* Regular monthly payments based on 5% down payment, 3 year 180 day rate hold at 2.89%, 30 year amortization. Insurance premiums apply. Rates are subject to change without notice. Some conditions apply. Clients may have to qualify at a higher rate. O.A.C., E. & O.E.

Mint Condo Guide Full page.indd 1

8/6/2013 4:31:28 PM

make your move

// by dan hopkins

The word-ofmouth factor

Dan Hopkins is chief operating officer of Two Men and a Truck Canada. twomenandatruck.ca

hen it comes to shopping for anything, word-ofmouth advice is always a good idea – especially if it’s a service you’re seeking. In the moving industry, we rely on customer referrals for much of our business, so providing excellent service is the smart and responsible thing to do.

When you are looking for a mover, you can get two kinds of word-of-mouth advice. ›› The first is to ask people you

know and trust who they have used in the past and whether they were happy with their moves. This is especially helpful if you ask people who have completed similar moves to the one you are planning in terms of distance and general items. ›› The second way is to ask potential movers whether they conduct surveys and have real customer feedback that they will share with you.

At Two Men And A Truck, we conduct surveys to shed light on what we’re doing well and areas where we can improve. We have a commitment to our core value, The Grandma Rule: “Treat everyone the way you would want your Grandma to be treated,” and we want to be certain that value guides everything we do. Our survey asks customers to rate several key factors as to whether we met or exceeded expectations, or need improvement. Examples are “Office staff’s explanation of our services,” and “Mover’s care of my belongings.” Key questions are “Would you use Two Men And A Truck again?” and “Would you refer others to Two Men And A Truck?” In recent surveys, for example, 94 per cent of our customers said they would use us again and would refer us to family and friends. On our website (twomenandatruck.ca), we are proud to share our surveys and some of the customer comments we receive. Movers should understand that changing homes can be one of the most exciting, yet stressful times in a person’s life. Possessions are important, and consumers want to believe the mover they choose will look at all items with concern and respect, and treat them accordingly. Every mover should solicit feedback to keep on top of things and take steps to improve weak service areas. You want a moving company with people who care. As with any substantial purchase, doing some homework can save you stress, time and money in the end.

S T R E E T

T O W N S 41

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BLV GE D.

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AIL EY TR STON

SH AG AN

DR .

TR AIL

N COU

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CALGARY INTERNATIONAL AIRPORT

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GLE

ORE

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03 OVATION BY INTERGULF CIDEX

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BLACKFOOT TRAIL

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32 Ave

EDMONTON TRAIL

14 STREET

ENU

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SOUTHWEST COMMUNITIES

04 THE LANDINGS BY STATESMAN

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06 SAWYER SILVERADO COMING SOON BY Avi Urban

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132 Victoria Cross Blvd. S.W.

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10 VICTORIA CROSS BY AVI URBAN

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11 CURRIE BARRACKS BY CANADA LANDS COMPANY

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12 EIGHTY5NINE BY VERTICAL PROPERTIES

OOT T

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EK P ARK

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CONDO GUIDE BANNER CLIENT: Streetside PROJECT: Hunter House INSERTION DATE: July 2013 SIZE: 6.75” x 1.5”

newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 43

condo profile

Enjoy upscale living at

The Landings at Cougar Ridge // By Heather Ryan

distinctive collection of high-end VILLAS and VISTAS (townhomes) that offer fine features of upscale maintenance-free living has discerning buyers landing in Cougar Ridge. Crafted by the Statesman Group of Companies, The Landings at Cougar Ridge showcase 45 VISTAS (townhomes): 21 luxurious VILLAS in bungalow and a two-storey design. “The VILLAS over look the ridge and offer spectacular views below of the Bow River Valley and the city, states Robert Vlach of Statesman. “These homes are ideal for empty nesters who want the luxury finishes and spaciousness they had in their single-family homes, but with a maintenance-free lifestyle. “The VISTAS also come with high-end standard features, and some with views, and are perfect for single and dual income professionals as well as those wanting to downsize,” he says.

Most importantly, The Landings also offers heated underground parking for two secured stalls for the VISTAS and three-plus for the VILLAS. “What’s really incredible about The Landings is the location by being next to an environmental reserve with a city connected pathway system plus the spectacular views. “People really love the beautiful natural setting at their doorstep yet they are only 15 minutes from downtown and just five minutes to the LRT, including community shopping and yet quick access to the mountains,” he says. The Landings offer buyers a choice of different floorplans so they can find the perfect layout to suit their needs with prices start at $484,000 for the VISTAS and $850,000 for the VILLAS. The VISTAS range from 1,600 to 1,700 sq. ft. and are flexible plans with two or three bedrooms plus an upstairs media/family room and a main-floor den. The VILLAS are sized between 1,550 to close to 3,000 sq. ft. and are available in two bedrooms plus a main floor den or an upstairs media/family room and a den, or three bedrooms plus a den. All the homes present stylish yet functional designs with high-end standard features that include nine-ft. ceilings, hardwood and tile floors, granite countertops, maple cabinets, stainless steel appliances, breakfast bars, fireplaces, soaker tubs, washer and dryer and Villas also have vaulted ceilings. They all also have generous sized decks with gas line hook ups for barbecues.

44 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

“Our buyers of the VILLAS have been traditionally the mature buyer or empty nester who is thinking retirement, travel and maintenance freedom. Of course, they want to personalize their homes in Statesman’s Design Centre so that they can put their personal touches to these spectacular plans,” says Vlach. Most importantly, The Landings also offers heated underground parking for two secured stalls for the VISTAS and three-plus for the VILLAS. “(We even have one VILLA with five heated parking stalls.)” Another unique feature of The Landings is “our Geothermal Healthy Heating and Cooling system that enables the community to enjoy lower than average condo-utility fees,” Vlach says, noting the VISTA fees are approximately $285, and the VILLA fees are approximately $335, including heating and cooling, water, sewer, natural gas, maintenance and more. “The response to The Landings has been amazing; there is really nothing else like it,” he says. “The sales have exceeded our expectations and we’ve recently released the last phase, which is already 30 per cent sold. “Residents have moved in to the first two phases with the remaining phases being constructed for occupancy starting this fall through to the early summer of 2014.” To learn more about THE LANDINGS, visit the two showhomes at 771 Patrick St. S.W., easily found off of Banff Coach Road S.W., open Monday to Thursday, noon to 6 p.m., and weekends, noon to 5 p.m., call 403.262.5070, or visit cougarridgelandings.com newcondoguide.com | Volume 16 issue 09 | NEW Condo Guide 45

SAVE $4 SAVE $4 BUY TICKETS ONLINE PROMO CODE: GUIDE

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CALGARYHOMESHOW.COM CALGARYHOMESHOW.COM 46 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

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designer advice

The big art of decorating

small spaces // by Yanic Simard

Tip You know the rule on not wearing clothing with horizontal stripes that draw the eye across? The same principle applies in small spaces – create the illusion of height with vertical lines to lead the eye upward.

50 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

So you’ve downsized into a smaller space, but that doesn’t mean you can’t live large in it. When space is at a premium, your design choices can help maximize the space and the value of your property. Decorating small spaces has its challenges, but they are not insurmountable. It is particularly satisfying, when we achieve more than we thought possible, in design and indeed in life. When designing a small space, there are three key considerations:

1 Use of colour

Use monochromatic, light-coloured paint and furniture. My favourite and signature paint colour is Benjamin Moore OC 23 Classic Grey. The use of light colours for wall and floor coverings as well as furniture will create the illusion of a larger space. Lighter and brighter colours are used to reflect and diffuse light, while darker colours in the background will maximize the whites/neutrals. Always paint the ceiling white, or at least a lighter shade than the walls. Using white paint will create a high degree of light reflection, thereby giving your entire room a lighter and brighter feel. CONTINUED o n p a g e 5 4 . . .

SOUTHWEST

I love having an open kitchen where the whole family can gather on weekends. And with the bedrooms on a separate floor, thereâ€™s privacy too.

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52 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

CONDO GUIDE

METIS TRAIL

NORTHEAST COMMUNITIES 05

SADDLETREE DR.

52 STREET

TR A PI NA

05 C OVENTRY STATION BY HUNTER RESIDENTIAL DEVELOPMENTS

03 09 80 Ave

13007 Coventry Hills Way NE www.coventrystation.ca

CALGARY INTERNATIONAL AIRPORT

64 Ave

CENTRE STREET

12 AVENUE

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

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

BARLOW TRAIL

GLENMORE TRAIL

SOUTHLAND DRIVE ANDERSON ROAD

DEERF

12 A RRIVE @ REDSTONE BY PARTNERS DEVELOPEMENT GROUP Coming Soon

114 AVE SE

OOT T RA

W BO

NEW BRIGHTON

Mac TRA

MARQ

AIL

NE TR

LOR IS OF

COPPERFIELD

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VIT McKE

D LEO

S JAME

TRA

EK P ARK

TTO BO

CRE

SHAWNESSY BLVD.

Skyview Ranch Rd & Skyview Ranch Dr

IAL DR

R MEMO

17 Ave

FISH

07 A RRIVE @ SKYVIEW RANCH BY PARTNERS DEVELOPMENT GROUP

16 AVENUE

04 MEMO 02 01 RIAL D RIVE

GLENMORE RESERVOIR

6 Saddlelake Place NE

68 STREET

32 Ave

52 STREET

14 STREET

16 AVENUE

Coming Soon bridgelandcrossings.com

06 S AFFRON BY GENESIS BUILDER’S GROUP

MCKNIGHT BLVD.

01 B RIDGE CROSSINGS BY APEX CITY HOMES

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

68 Street NE & 80 Avenue NE

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

$279,900 CHAPARRAL 2 bed, 2 bath includes GST, granite, hardwood and tile, ABURN BAY plus stainless appliances. CRANSTON Now selling FINAL PHASE! Units in final phase include upper deck, lower patio, walk out to the park and bonus room!

www.CoventryStation.ca

587-896-6107 newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 53

PHOTO BY TED YARWOOD

PHOTO BY STACEY BRANFORD

designer advice continued…

Decorating small spaces has its challenges, but they are not insurmountable. You might have a small square footage, but look up. Your walls offer a lot of space that you can use with some planning and imagination. 2 use vertical space in a smart way

You might have a small square footage, but look up. Your walls offer a lot of space that you can use with some planning and imagination. Get your calculators out. A 12-by-12-ft. room gives you 144 sq. ft. of floor space. If you have an eight-ft. ceiling and four walls, you end up with approximately 384 sq. ft. of vertical space. If you used 10 ft. of vertical space on two walls, you would lose 20 sq. ft. of floor but gain 192 sq. ft. of storage!

54 NEW CoNdo GuidE | Volume 16 issue 09 | newcondoguide.com

3 introduce see-tHrougH furniture and reflective elements

The use of chrome ﬁnishes will add some sparkle to your space. In furniture, always consider using glass or the like – its transparent nature will allow light to travel though it, making it almost invisible to those viewing the room. Polycarbonate, glass and plastic are the materials to consider looking at for your small space. Another tip is to position a mirror directly on the wall opposite to the source of natural light, like a window. This will bounce the light back and forth while increasing the visual depth of your room at the same time.

yanic simard is the principal designer of TIDG, a regular design guest expert on Cityline, design editor of New Condo Guide and he writes for many other Canadian and international publications.. Follow Yanic on Twitter @yanicsimard or on facebook. com/yanic.simard. Read his blogs on tidg.ca and every Thursday on the Thermador Facebook page’s blog (facebook.com/ThermadorCanada). Send questions or comments to info@tidg.ca

NORTHEAST

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Concept Condo Guide Full page Building 3.indd 1

8/6/2013 4:25:11 PM

CALGARY’S SATELLITE COMMUNITIES 22

AIRDRIE

COCHRANE

3102-15 Sunset Square Cochrane, Alberta

06 THE VILLAGE BY CALBRIDGE HOMES

07 RIVERREACH VILLAS & MANORS BY JAYMAN MASTERBUILT

10 12

06 04

13 Riviera Way Cochrane, Alberta

AIRDRIE STRATHMORE 09 CREEKSIDE VILLAGE 1 BY CARLISLE GROUP

CALGARY

CHESTERMERE

797 LANGDON

22X

546

TURNER VALLEY

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604 East Lake Blvd N.E. Airdrie, Alberta

12 RAVENSWOOD TOWNHOMES BY SLOKKER CANADA WEST

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02 HEARTLAND TOWNHOMES BY EXCEL HOMES 1178 Clydesdale Way, Cochrane, Alberta

03 CONCEPT BY JAYMAN MODUS 201 Sunset Drive, Cochrane, Alberta

10 COURTYARDS OF KINGS HEIGHTS BY MERGE DEVELOPMENTS

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BLACK DIAMOND

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04 SUNSET POINTE BY CALBRIDGE HOMES 302 Sunset Pointe Cochrane, Alberta

05 STONE CREEK LANDING BY CARLISLE GROUP 103 - 5th Avenue, West, Cochrane, Alberta

16 PENNCROSS BY STREETSIDE DEVELOPMENTS LETHBRIDGE

127 & 129, 1 Crystal Green Lane, Okotoks, Alberta

17 MOUNTAINVIEW PLACE PHASE II BY SPAN WEST CONSTRUCTION

408 - 1st Ave S.E. Black Diamond, Alberta

newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 57

ON THE MOVE

PACKING TIPS to make your move a little easier ❏ Gather boxes in all sizes from friends, neighbours

❏ Label boxes containing fragile items with large

❏ Collect cushioning material such as bubble wrap, foam

❏ Place china in plastic bags and stack plates upright on

and stores.

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.

red lettering.

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!)

❏ Label each box with the name of the room in your new

❏ Don’t move flammable, combustible, corrosive or

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

❏ Pack a bag of personal items you’ll need during the move

home where it should be placed.

explosive items such as paint, gasoline and ammunition. and keep it in an easy-to-find place when you pack.

NOW UNDER CONSTRUCTION BLACK DIAMOND, AB.

Mountainviews Selling Already

58 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

first time homebuyers: KNOW BETTER THAN TO SPEND $6 ON COFFEE? GET ON OVER TO ON THE DOUBLE DOUBLE Very close to Timâ€™s, Genesis Centre, Cross Iron Mills. Condos in Airdrie from the $188,500. Big kitchens, high ceilings, and heated underground parking. Show suite now open at 604 East Lake Blvd NE. The Edge. Big life. Great value. @StreetsideYYC

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03 4 3 PARK BY VERICON REAL ESTATE VENTURES 43park.ca

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12 S T. JOHNS TENTH STREET BY STREETSIDE 10th St. & 3rd Ave. NW

13 F IRST BY FRAM + SLOKKER

East Village Experience Centre 553 Riverfront Ave. SE

14 6 TH & TENTH BY LAMB DEVELOPMENT CORP. 15 T HE BLOCK BY AVI URBAN

Sales Centre 1022 17th Ave. SW

16 S TEPS BRIDGELAND BY GIUSTINI BRIDGES IN.

01 R IVERFRONT POINTE BY CARLISLE GROUP

101 Riverfront Avenue S.E.

11 KEYNOTE

216 Riverfront Ave. S.W.

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

06 A VENUE BY GROSVENOR & CRESSEY 1035 5th Ave. SW

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

17 9 16 BY SABLE DEVELOPMENTS Coming Soon

18 E VOLUTION BY EMBASSY BOSA INC.

East Village Experience Centre 553 Riverfront Ave. SE

19 V ERVE BY FRAM + SLOKKER Coming Soon

newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 61

GRO

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26 ST. SE

10 ST. NW

14 ST. SW MEMORIAL DRIVE NW

32,300

ASk ABOUT OUR EASY DOWN PAYMENT PLAN !

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ALBERT PARK STATION FROM THE

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CENTRE ST. SW

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Mem orial Drive

2 Ave SE

centrAl sAles centre

Riverf ront Av e SE

3 Street SE

Macleod Trail SE

1 Street SE

Centre Street S

3 Ave SE

Across the street from downtown plus 15

4 Ave SE

5 Ave

325 3rd street se (across from Bookers) phone: 403.571.8426

show suite hours: mon to fri: 12-6 pm sat, sun & holidays 12-5pm

LIVE LIVEYOUR YOUR

VE YOUR

PICTURE PICTURE

PICTURE

IN KENSINGTON KENSINGTON IN VIEW LAST FEW UNITS REMAINING

SCAN TO OUR VIEW VIRTUAL OUR TOUR VIRTUAL TOUR

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www.propellus.org 64 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

ESTIVAL. REASON NO. 806 LONGBOARDING DOWN MEMORIAL DRIVE. REASON NO.807 PRIME SUN-TANNING GRASS WITHIN SIGHT. REASO ON THE RIVERBANK. REASON NO.809 FISHING ON THE BOW. REASON NO.810 REGGAEFEST. REASON NO.811 SOUTH FACING PATIOS. REASO WITH FRIENDS AT RILEY PARK. REASON NO.813 MORNING RUNS ON THE WATER. REASON NO.814 “BULLDOGS’ ON JULIOS BARRIO PATIO ORGETTING YOUR CELL PHONE TO GO PLAY OUTSIDE. REASON NO.816 FINISH YOUR RIVER RAFT AT YOUR FRONT DOOR. REASON NO.817 BB OWN VIEWS. REASON NO.818 WINE THEN WALK. REASON NO.819 PICNIC IN PRINCES ISLAND PARK. REASON NO.820 SWIMMING IN THE BOW. PIN CLASS OUTDOORS. REASON NO.822 SKYLINE SUNSETS. REASON NO.823 SUNNYSIDE. REASON NO.824 PLAYING CATCH. REASON NO.82 EST FRIEND ON AN ACTUAL WALK. REASON NO.826 BOOTCAMP IN THE PARK. REASON NO.827 WATCHING “BOW RIVER GLOW” FROM HOME PRICES DO NOT INCLUDE GST, E. & O.E. MOONLIT STROLLS ALONG THE WATER. REASON NO.829 GETTING CAUGHT IN THE RAIN. REASON NO.830. FEWER SONGZA WORKING P ONGZA ENTERTAINING COOL FRIENDS PLAYLISTS. REASON NO.831 LARPING IN THE PARK. REASON NO.832 SUNDAY FUNDAY. REASON NO.8 HE RIVER. REASON NO.834 CAPPUCCINOS AND CARDS ON THE NEW BOARDWALK. REASON NO.835 HIKE THE STAIRS AT CENTRE STREET.

D L O

S %

WE’RE MAKING OUR MARK

8th and 10th SW will never be the same again. MARK on Tenth is about to reach up to create a brand new skyline. With construction under way, now is the time to buy into this legacy tower. With a 10% deposit, you can choose one bedrooms from $310s, or two bedrooms from $380s. There’s lobby art by Douglas Coupland, a luxurious rooftop lounge and fitness centre, with an urban garden landscape on the third floor. We said we’d make our mark. Here it is.

MARK (corner of 10th Ave & 8th St SW)

One bedrooms starting from $310s Two bedrooms starting from $380s

8TH ST SW

VISIT OUR DISCOVERY CENTRE

This is not an offering for sale. Such offering may be made by disclosure statement only. E.&O.E.

10TH AVE SW

1120 10th Ave SW, Calgary Open Daily Noon to 5PM, Closed Fridays Tel: 403.244.2428

RiveR views. Just the FiRst thing to take YouR BReath awaY.

The stately porte cochère exudes style from the moment you come home. Arrive at the grand circular driveway, enter the building beneath a graceful canopy, and emerge into a stunning hotel-style lobby where a concierge awaits to greet you.

The renowned CresseyKitchen™ features a revolutionary walk-through design that creates a larger kitchen, more storage space, and so many beautiful extras like a gas cooktop, wine rack and full-size French Door refrigerator.

The desirable West End neighbourhood offers that rare balance between beauty, tranquility and urban energy, with shops, boutiques and the Bow River Pathway located in your own front yard.

The first new West End towers in years will be as impressive as their surroundings. Homes have been expertly designed to be the most functionally elegant in the city, and will feature Calgary’s first ever CresseyKitchen™, three contemporary colour scheme choices, real hardwood flooring, air conditioning and so much more.

For More Information: avenuewestend.com 403-530-8455 This is not an offering for sale. Such an offering can only be made with a disclosure statement. E.&O.E.

condo pro

// by barbara lawlor

“DOWNSIZE”

Barbara Lawlor is president of Baker Real Estate Inc. and an in-demand columnist and speaker. Keep current with The Baker Blog at blog.bakerrealestate.com

he notion of empty-nesters moving from a large home to a condominium suite has been referred to as “downsizing,” but I have always felt that term lacking. In fact, I call it “rightsizing,” because it means selecting a new home that fits the lifestyle you want to lead. The term “downsizing” carries with it the notion that buyers opting for smaller square footage accept a lesser lifestyle as well, which is simply not true. Many buyers who go condo actually move up in luxury and comfort. There are oh, so many advantages to making this move. People who live in two- and three-storey homes may not truly appreciate the efficiency of living on one level or the livability of modern condo designs. Developers have worked diligently to come up with innovative floor plans that maximize space. Just think for a moment about a 2,000-sq.-ft. lowrise home, which may contain a lot of unusable space such as stairways,

becomes “rightsize” when you choose the right condo

landings and hallways. Today’s 1,200-sq.-ft. condominium suites may actually have as much usable floor space. When you shop, compare apples with apples. Square footage does not tell the complete story. In a condominium, a smaller floor plan may be just as satisfying. And today’s condominiums are so well built and beautifully appointed with remarkable amenities, that a little less space in the individual suites simply means less cleaning to do. Now, keep in mind that rightsizing can mean moving up in size as well. This is the beauty of modern condominiums – there is something for everyone who wants to enjoy the carefree condo lifestyle. Growing families will find two-bedroom-plus-den and three-bedroom designs to match their needs. These suites are also selling to retired couples who like to have their children and grand kids visit. I know a couple who downsized when the kids went off to university, but found they missed having the extra space for visitors, so they rightsized themselves into a larger condominium suite. They also love the fact that condominium amenities enable them to keep up long-standing traditions, such as hosting large family dinners, wedding and baby showers, birthday celebrations or other get-togethers. Today’s buildings have gorgeous dining and party rooms, some with caterer’s kitchens and serveries.

Developers have worked diligently to come up with innovative floor plans that maximize space Adding to the entertaining potential, most condos have outdoor areas such as courtyards, gardens and terraces with barbecue facilities and seating, outdoor pools, indoor pools, whirlpools, theatres, billiards rooms and more. Whatever stage of life you are at, a condominium offers a multitude of opportunities to gather with friends and family members to chill out or celebrate in a gala way. One of the major draws of condominium living is that people who love to travel can leave without the worry of lawn maintenance and security. With home prices across Canada continually going up, many lowrise owners sell their homes here for such a good price that they move to a condominium and still have enough left over for a vacation property in Florida! How Canadians do love condos! And why not? First-time buyers find condo prices more within their financial reach, and the buildings are so close to public transportation that they may not need to own a vehicle. Busy professionals whose lives are so hectic that leisure time is elusive enjoy freedom from time-consuming maintenance, and the fact that they can exercise and socialize without having to leave home, once they get home. The great news is that there is tremendous choice in the condominium market. Whatever your pocketbook and needs, you can find just the right suite. And then you can rightsize your life the condominium way!

68 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

THIS IS WHAT SMART DESIGN LOOKS LIKE.

30% SOLD

AFTER THE FIRST SIX WEEKS

NOW SELLING FROM THE $280’S

Smart Design means each building and suite floorplan feature was painstakingly designed to enhance your life at home. Inside the suites, our Smart Design features a customized 10 foot kitchen island, with a built in dinning table, and My Space flex rooms. Smart Design is evident in the building’s eco-friendly specifications, specialized recycling program, and private fitness club.

43Park.ca 403.460.0949 newcondoguide.com | VOLUME 16 ISSUE 09 | NEW CONDO GUIDE 69

homebuyersâ€™ help

Condo hunterâ€™s checklist When shopping for your dream condo, carry this list with you and take notes to help you remember what you saw, and where! condo #1

condo #2

condo #3

condo #4

Project & address:

Salesperson:

Phone:

Developer/builder:

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:

# of bedrooms:

# of bathrooms:

Interior appliances:

Options:

Parking facilities:

Special incentives:

Price:

Down payment:

Condo fees:

Financing available:

Other comments:

70 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

homebuyersâ€™ help

Condo Buyersâ€™ Resource Section You love the condo, see what you can afford! Compare mortgage rates for your best deal alculate your mortgage payments using the C mortgage payment calculation chart

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

estIMated MonthlY taXes and heat

MonthlY PaYMents

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

Calculate the combined monthly before-tax income of you and your spouse.

Multiply this figure by the amount you need to borrow. Divide by 1,000.

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

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

Take the total price of the condo and subtract the amount of money you expect to make as a down payment. This is the money you will have to borrow.

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

If this figure is equal to or less than one-third of your gross monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream condo. Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

72 NEW CONDO GUIDE | VOLUME 16 ISSUE 09 | newcondoguide.com

compAre mortGAGe rAtes For your BesT deAL 2 Years

3 Years

4 Years

5 Years

AGF Trust

varIaBle

6 Months

4.650

1 Year

3.040

3.200

3.240

3.340

3.490

ATB Financial

2.500

4.000

3.100

3.140

3.550

4.390

3.540

Bank of Montreal

3.100

4.000

3.140

3.750

4.540

5.140 4.990

Bank of Nova Scotia

3.100

4.550

3.750

3.890

3.990

4.390

CIBC Mortgages

3.000

4.450

3.090

3.140

3.750

4.390

5.140

Canadian Western Bank

3.200

4.000

3.140

3.750

4.540

5.140

Canadian Western Trust

3.200

4.000

3.140

3.750

4.540

5.140

First Calgary Financial

4.000

2.390

2.670

2.790

2.890

3.190

First National Financial

2.600

3.950

2.990

2.890

3.090

3.240

3.540

HSBC Bank Canada

3.100

4.450

3.600

3.950

4.450

4.990

5.240

ING Direct

2.750

3.000

2.999

3.090

3.390

Investors Group Trust

3.000

4.200

3.140

3.750

4.540

5.140

Laurentian Bank Canada

3.200

4.400

3.140

3.190

3.750

4.540

5.140

London Life

3.000

4.200

3.140

3.750

4.540

5.140

Manulife Bank

3.000

4.450

3.000

3.150

3.200

3.250

3.290

Manulife Trust

4.450

3.000

3.150

3.200

3.250

3.200

National Bank

3.200

4.400

3.140

3.750

4.540

5.140

Peace Hills Trust

4.500

3.100

3.350

3.550

3.850

3.950

President’s Choice Fin’l

3.000

6.040

3.140

3.150

3.290

3.490

3.690

Royal Bank of Canada

3.000

4.000

3.140

3.750

4.540

5.140

Servus Credit Union

4.000

3.100

3.140

3.750

4.390

5.140

Steinbach Credit Union

2.500

2.600

2.700

2.800

3.000

T-D Mortgage

3.000

4.000

3.090

3.140

3.650

4.540

5.140

Your Neighbourhood C.U.

3.400

3.500

3.600

3.650

3.340

This information is current as of July 15, 2013 and is subject to change without notice.

mortGAGe options you can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs. All mortgages are of two basic types:

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 16 ISSUE 09 | NEW CONDO GUIDE 73

Index of advertisers

read more about our advertisers! 43 Park

Vericon Real Estate Ventures

916

Sable Developments

Arrive at Redstone

Partners Development Group

Auburn Bay

Stonecroft Developments

Avenue

Grosvenor & Cressey

Bridgeland Crossing

Apex City Homes

55 34-35

Brownstones

Genesis Buildersâ€™ Group

Champagne

Remington Developments

Chestermere Townhomes

Slokker Canada West Inc.

Concept

Jayman Modus

Copperfield

Stonecroft Developments

Copperfield Park

Brad Remington Homes

Coventry Station

Hunter Developments

Cranston Place

Cardel Lifestyles

Creekside Village

Carlisle Group

56 34-35

3 62-63

Ebony

Jayman Modus

The Edge

Streetside Developments

Eighty5nine

Vertical Properties

Einstein

Providence Developments

Encore at Kincora

Carlisle Group

Evanston Square

Streetside Developments

62-63

The Gates

Remington Development Corp.

Groves of Varsity

Statesman

Heartland Townhomes

Excel Homes

Highland Park

Stonecroft Developments

Hunter House

Streetside Developments

Kintalla

Streetside Developments

19 27-29 17 57 34-35

Jumping Pound Ridge

Slokker Canada West Inc.

The Landings

Statesman

Mark on 10th

Qualex

Mint

Jayman Modus

Mountain View Place

Span West Construction

58 24

42, 44-45

Muskoka

Brookfield Homes

Outlook at Waterfront

Anthem Properties

Pixel

Battistella

The Post

Avi Urban

1, 11-13, 15

Ravenswood

Slokker Canada West Inc.

RedHaus

Streetside

Riverfront Pointe

Carlisle Group

Sawyer

Avi Urban

Sonoma

Vertical Properties

Stone Creek Landing

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62-63 51 21 62-63

Street Towns

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Trinity

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Varsity Landing

Carlisle Group

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Verve

FRAM & Slokker

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74 NEW Condo Guide | Volume 16 issue 09 | newcondoguide.com

6 31-33

COPPERFIELD PARK II $120’s $200’s LOVE IT. LIVE IT. AFFORD IT. CONDOS FROM THE

TO THE LOW

NOW SELLING

*plus GST. Includes title parking stall

279 Copperpond Common SE | 403.723.0094 2:00-8:00pm Monday-Thursday |12:00-5:00pm Sat-Sun/Holidays

www.copperfieldpark.com

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