Calgary New Home Guide - Jan 1, 2016

JAN 1 - 29, 2016 VOLUME 19, ISSUE 1, FREE

CALGARY EDITION

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in MOUNTAINVIEW

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SCENIC MOUNTAIN VIEWS and FAMILY LIVING in OKOTOKS SHOWHOMES OPEN • VISIT TODAY

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INSIDE THIS ISSUE

WHAT TO EXPECT FROM THE HOMEBUYING EXPERIENCE

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NEIGHBOURHOOD PROFILE ON EAST VILLAGE

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contents JAN 1 - JAN 29, 2016 | VOLUME 19 ISSUE 1

8

ON THE COVER

APEX’s MountainView offers picturesque natural setting + online NEIGHBOURHOOD

HOME SEARCH

MORE +PHOTOS +VIDEOS +ADVICE +INSPIRATION +TRENDING

MAPS

advice

28 Shane Homes

10

takes Tofino III showhome to new heights

LOOK FOR THE CIRCLE

East Village

Active living with a downtown buzz

The Homebuying Process

Exploring the typical newhome buying experience

by Donna Moore

neighbourhood profile

32

WITH

DYNAMIC

showhome review

14

Fundamentally Speaking

Take advantage of low rates while you can – but carefully

by Wayne Karl

14

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Susan Legge DIRECTOR OF SALES, NATIONAL

Moe Lalani ALBERTA SALES MANAGER

Shelley Bala EDITOR

Wayne Karl ART DIRECTOR

Tammy Leung

CONTRIBUTING EDITORS

Sara Duck (on leave) Elisa Krovblit Lydia McNutt (on leave)

SENIOR MEDIA CONSULTANT

Melanie Gowans 403.200.8462

8

Follow me on twitter @melgowans Like us on Facebook ypnexthome

PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNERS

Miguel Cea Mike Terentiev PRODUCTION MANAGER

Bala Gnanapandithan

FOR ADVERTISING INQUIRIES PLEASE CONTACT:

403.200.8462 FOR NATIONAL ADVERTISING INQUIRIES CALL:

416.263.6783

32 18

Mortgage advice

3 steps for first-time buyers to get into the market

by Alyssa Richard

20 Insight

Creating your dream landscape

by Brad Jackman

34 district maps

Calgary’s New Home Guide is published 13 times per year. We are located at:

07

Okotoks

2891 Sunridge Way NE Calgary, AB T1Y 7K7.

Phone: 587.226.1313

11

Northeast

13

Cochrane

17

Southeast

19

Airdrie

3 of Calgary’s best new food & drink spots in 2015

23

Northwest

by Cody Battershill

27

Southwest

in every issue

31

Calgary East Region

6

33

Calgary South Region

34 Calgaryism

Editor’s Note

30 What’s Online

Published by

The magazine is free to the public

ypnexthome.ca

COPYRIGHT 2016 All rights reserved by Yellow Pages Homes Limited. Reproduction in any form is prohibited. Contents of this publication are covered by Copyright and offenders will be prosecuted under the law. The views and data expressed by columnists do not necessarily represent those of the publication.

TERMS Advertisers, Editorial content are not responsible for typographical errors, mistakes or misprints. All prices are correct as of press time and are subject to change without notice.

E. & O. E. EDITORIAL Submissions from interested parties

will be considered. Please submit to the editor at Susan.Legge@ypnexthome.ca

Editors' Notes

EXPLORE EAST VILLAGE

549

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

MORE PHOTOS ONLINE ypnexthome.ca/east-village

Smaller households, smaller homes Canadian households are shrinking, according to Statistics Canada data.

Seven decades ago, the average household consisted of 4.3 people; by 2011, the average size had dropped to 2.5 people per household.

While the majority of Canadian homes over the last century were built to support larger families, nowadays one or two people make up the majority of households. This is why condominium living have become increasingly popular.

The impact of smaller families on the Canadian housing market has been significant, spurring a dramatic change in the types of homes and apartments being constructed.

The introduction of townhomes, lofts and condominiums is effectively servicing smaller families and singles who need homes and nearby amenities. While larger homes are still a need for some, the next time you see another crane in the air keep this new demographic dynamic in mind.

Protect yourself from the chill

WAYNE KARL Senior Editor Yellow Pages NextHome Email: Wayne.Karl@ypnexthome.ca Twitter: @WayneKarl

+ get social 6 YPNEXTHOME.CA

The move was intended to mostly impart a slight cooling on Canada’s hottest and most expensive real estate markets – Toronto and Vancouver.

But the federal government’s recent decision to raise the down payment requirement for new insured mortgages from five per cent to 10 per cent for the portion of the house price above $500,000, could well have other unintended consequences.

In particular, Calgary is among those markets that these new rules could

inflict additional cooling upon, at a time when conditions are already chilly enough.

Prospective buyers have a few choices: buy before the new rules take effect Feb. 15, 2016; find a way to increase your down payment; or look at properties of less than $500,000.

Find a way to protect yourself from this additional chill, until later in 2016 and 2017 when the Calgary economy and housing market is expected to begin warming up.

Interact with us on social media: ypnexthome

›› OKOTOKSCOMMUNITIES NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

OKOTOKS AIR RANCH

2A YSTAL SH OR ES RD.

BANN

R.

ISTER CR GATE

ID GE D

NO RT HR

SANDSTONE DR. MOUNTAINVIEW GATE

338 AVE. E.

8

1

MILLIGAN DR.

OKOTOKS

549

CRYSTAL RIDGE GOLF CLUB

3 32 ST. E.

2A

WEST

370 AVE. E.

02 CIMARRON

DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Coco Homes, Timbercreek Homes, Westview Homes, Kunz Homes

03 DRAKE LANDING

CIM

RO N TR A I L

2B

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32 ST. E.

DEVELOPER: Bordeaux Developments BUILDERS: Baywest Homes, Sterling Homes, Wolverine Custom Homes

AR

CIMA O RR

WESTLAND ST.

01 OKOTOKS AIR RANCH & RANCHERS’ RISE

4

SOUTHRIDGE DR.

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04 WESTMOUNT

DEVELOPER: Prominence Development Corp.

BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes

08 MOUNTAINVIEW

(NOW OPEN) AT SANDSTONE DR. & MOUNT BURNS GREEN Apex Developments BUILDERS: Excel Homes, Sterling Homes www.mountainviewokotoks.com

DEVELOPER: United Communities BUILDERS: Lifestyle Homes, Sterling Homes, Prominent Homes

JAN 1-29, 2016 | NEW HOME GUIDE 7

Property Profile | EXCEL HOMES, STERLING HOMES

cover story

APEX’s MountainView offers picturesque natural setting PERCHED ON an impressive plateau

that offers a tranquil natural setting and breathtaking river and mountain views makes MountainView one of the most desirable communities in Okotoks.

Being developed by APEX Developments, MountainView encompasses 130 acres of land located on an escarpment on the west side of Okotoks just minutes from downtown and a wide range of amenities and conveniences.

“We’re really excited about the response to this community,” says Susan Henderson, senior development manager at APEX. “MountainView 8 YPNEXTHOME.CA

has quickly become the sought after address in Okotoks and sales have been excellent in our first four phases and a new phase has just recently been released featuring 51 lots.

“MountainView will have approximately 400 homes, so it’s fairly low density with a number of larger lots and large homes,” she says. “It will also be very scenic as close to 50 per cent of the land will be open space – a mix of environmental reserve, naturalized wetlands, active public space and passive recreational park space – and there is an outstanding entrance and a community pathway system.

“The whole community is being developed above the escarpment with an abundance of greenspace that includes natural tree stands and prairie scape, and it overlooks the lower wetlands with a creek meandering through the area,” Henderson says.

The escarpment, which provides picturesque views of the Sheep River and the Rockies is a significant feature, “because it runs around the community, and we’re going to make sure it’s accessible to everyone by creating pathways and vista park spaces where people can

Location

MountainView in Okotoks Builder

Excel Homes, Sterling Homes Development

APEX Developments Home Type

Single-family homes Contact

MORE PHOTOS ONLINE

mountainviewokotoks.com

ypnexthome.ca/apex-mountainview

sit and enjoy the views,” she adds.

MountainView is comprised entirely of single-family homes creating a family-friendly, small-town atmosphere where people can get to know their neighbours.

MountainView’s builders Excel Homes and Sterling Homes are currently selling move-up and estate homes with front-attached garages in various styles and sizes. Prices start in the $430,000s and include lot and GST. The builders have two showhomes each on a parade located in Phase 2.

“People love the community because of the location; it has great access to the city and mountains,” says Doug Anderson, Sterling’s area manager. “It’s a very quiet small

“The whole community is being developed above the escarpment with an abundance of greenspace…” community, so it offers that small town feel.”

MountainView also “offers easy access to schools, shops and a variety of other amenities,” adds Chamse Noomane, Excel’s area manager. “People like that many of the lots offer mountain views or back onto greenspace or are walkouts and that they can get larger than average size lots.”

Lots in the community are a

minimum of 36-ft. wide, with several lots sized up to or wider than 46 ft.

“Buyers love the larger lots and the fact that they can get more for their money in Okotoks, and if they choose to they can build a more customized home,” Henderson says.

Both Excel and Sterling are crafting homes that feature architectural styles – Mountain Alpine, Tudor, Arts and Crafts, Prairie and Craftsman – that were chosen to reflect the community’s picturesque natural setting.

Residents in MountainView can enjoy a round of golf at their doorstep as the community is adjacent to the D’Arcy Golf Course, and it’s a short walk to Okotoks’ historical downtown that features a charming mix of boutiques and shops.

There’s also an array of shops, including big box retailers, grocery stores, coffee shops, restaurants and a variety of other amenities and recreational facilities just a short drive away.

An additional benefit to residents is that they’re only a 15-minute drive to south Calgary with easy access to Hwy. 2 for a quick commute, and the foothills and Rocky Mountains are close by.

For more information on MountainView, visit the showhomes open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., or check out mountainviewokotoks.com JAN 1-29, 2016 | NEW HOME GUIDE 9

Advice | THE HOMEBUYING PROCESS

Exploring the typical newhome buying experience

By Donna Moore

MORE ADVICE ONLINE ypnexthome.ca/news/advice

MANY PEOPLE in the calgary region

will start their New Year off by thinking about buying and moving into a new home sometime in the near future.

Buying a new home is a big decision and an important investment, and there is a lot to consider. You want to buy with confidence, enjoy the experience and know that you have made the best decision for you and your family.

Typically, the process takes place over a substantial amount of time and in several stages. To begin with, you want to take some time deciding your priorities – what you want, where you want to live and how much you want to spend. Then explore the variety of homes available.

Start by doing some pre-planning before you go house hunting.

Discuss with everyone in your household what they want in a new home, the yard, surroundings and overall location. Make lists of what’s important and divide them into musthaves and would-be-nice-to-haves.

Before you look at prospective homes, consider these factors: » Think about the community, the distance to work, traffic and availability of public transportation.

How far away are you from schools and child care, and what about places of worship, hospitals and libraries? What’s the distance to shops, services and other amenities and how close are greenspaces, pathways, tot lots, sports fields and other recreational facilities?

10 YPNEXTHOME.CA

» When it comes to your home, think about the style, size and the number of bedrooms you need now and down the road. Do you require a garage, a home office, a bonus room or storage? » When looking at the layout, do you prefer open or divided spaces, formal or informal, and is there flexibility in the design so it can change as the family grows? Are there mobility restrictions and health considerations to consider when looking at the layout? » What are your outdoor space needs – yard, garden, deck and fence? » Consider energy-efficient materials and products that go into the home. » Pre-wiring requirements for automation, security systems, entertainment and business should be looked at, as well as if you want a vacuum system, underground sprinkler system or air conditioning. » Most importantly, before you being home shopping, you need to decide on financing – the down payment you have available, desired monthly mortgage payment

and other obligations and financial needs. Get mortgage pre-approval so you know the price range you should be looking at.

Once you’ve considered these aspects, check the website of the Canadian Home Builders’ Association - Calgary Region (chbacalgary.com) for a list of member builders in your community and you can check ads and articles like those found in the New Home Guide to get a sense of what builders are offering.

Talk to family, friends or co-workers who have recently bought a new home to learn from their experiences.

Browse the Internet for information about builders, homes, communities, products, financing and other advice.

The key to successful house hunting is to take your time, take a thorough look at everything and ask lots of questions. The more you know, the better you’ll feel about the choice you make for your new home.

Donna Moore Executive Officer, Calgary Region Home Builders’ Association, 403.235.1911, crhba.com

PANORAMA ROAD

STONEY TRAIL

4 52 STREET

HARVEST HILLS

METIS TRAIL

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES 3

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16 AVENUE

16 AVENUE

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

01 SADDLESTONE

04 REDSTONE

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.saddlestonecalgary.com

DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes, Creations by Shane Homes, Shane Homes (Shane showhome to be built in spring)

02 SADDLEBROOK

DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes

05 CITYSCAPE

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 CORNERSTONE

DEVELOPER: Walton Development Coming soon www.liveatcornerstone.ca

MATCALGARY_Banner – New Home Guide

Due: 4/08/2015

File Name: MATCALGARY_AllSites FC BC Banner_NHG_Mag Trim: 6.75” x 1.5” Bleed: NA

mattamyhomes.com

Safety/V.O.: .25” Colours: CMYK

Publication: New Home Guide DPI: 300 Built: 4/08/2015 - SS

FIND NEW FRONT-DRIVE DESIGNS AT CITYSCAPE & SOUTHWINDS (SEE BACK COVER)

JAN 1-29, 2016 | NEW HOME GUIDE 11

›› COCHRANECOMMUNITIES RA

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DEVELOPER: Tamani Communities BUILDERS: Innovations by Jayman, Sabal Homes, Jayman MasterBUILT, Trico Homes

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DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations by Jayman, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi

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NOTE: Map is just a graphic representation of areas of developments.

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DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes

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05 MONTERRA ON COCHRANE LAKE DEVELOPER: Medallion Development Corp.

BUILDERS: Prominent, Modena, Cornerstone, Brooklyn, Astoria Custom Homes

09 THE WILLOWS OF RIVER HEIGHTS

DEVELOPER: La Vita Land Inc. BUILDERS: Janssen Homes, Kingsmith Homes, NuVista Homes and Sterling Homes

06 WESTPOINTE ESTATES

DEVELOPER: MGM Developments.

BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE

DEVELOPER: La Vita Land BUILDERS: Calbridge, Janssen, Kingsmith, Landmark, ReidBuilt Homes www.firesidecochrane.com

08 HEARTLAND

DEVELOPER: Apex Developments BUILDERS: Excel Homes www.heartlandcochrane.com

JAN 1-29, 2016 | NEW HOME GUIDE 13

RANGE RD 40

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Advice | FUNDAMENTALLY SPEAKING

Window of opportunity Mortgage rates remain at historical lows, so take advantage while you can – but carefully

By Wayne Karl

LAST YEAR was a notable one in the

mortgage world: The Bank of Canada dropped its influential overnight target rate – not once, but twice.

In its latest announcement on Dec. 2, the BoC held the rate at 0.50 per cent – where it had been since July after dropping it from 0.75 per cent, where it had been since January 2015 when the Bank dropped it from one per cent.

Just a bunch of numbers, right?

Perhaps, but some experts are now saying rates won’t begin to inch up from these historical lows until 2017.

This means an extended window of opportunity for those looking to buy a home.

If you could lock in at a low rate over 10 years, for example, that gives you the comfort of knowing what your mortgage payments will be over that period, while over that time you can also take advantage of any pre-payment and lump-sum payment options to pay down your mortgage.

Another appeal of this scenario is that, as we often point out, experts advise you take a longterm view of your home purchase.

For example, some markets have recently experienced cooling prices and softening sales. But even if

ONLINE

that were to happen in your market and housing type, ask yourself: in 10 years, is a home you buy today likely to be worth more or less? If you need an answer to this question, just take a look back at prices 10 years ago. Of course, there are no guarantees, but if you’re in the homebuying mode anyway, today’s low rate environment makes a pretty compelling reason to act sooner than later to take advantage of these opportunities.

Low rates notwithstanding, the banks, financial firms, brokers and other experts still advise homebuyers to practice smart borrowing.

Experts stress that even as rates remain low, buyers should explore everything from putting down a larger down payment to taking advantage of pre-payment options to “stresstesting” your mortgage at a higher rate to ensure your finances can accommodate rate fluctuations or other unforeseen circumstances.

One day, the mortgage landscape will change. And if you’re among those homeowners who have been somewhat spoiled by continuing low rates, you could be could be in for an unpleasant surprise.

Take advantage of today’s low rates while you can, but also spend the time necessary to find a broker or banker you trust, who knows their business, and who can help you explore what options might be best for you.

More so than in any other area of homebuying, you’re going to rely on this advice – now more than ever. It will prove to be time well spent.

Wayne Karl is an award-winning writer and editor with experience in real estate and business. In Fundamentally Speaking, Wayne explores the basics – such as economic fundamentals – you need to examine when buying property. He can be reached at wayne.karl@ypnexthome.ca or follow him on Twitter at Twitter.com/ WayneKarl

Canada’s 7 hottest real estate markets With 2015 in the rear view mirror and the New Year upon us, it’s an appropriate time to take a look at Canada’s hottest real estate markets.

While you might expect that Canada’s largest and most expensive markets such as Toronto and Vancouver are also the hottest, that’s not necessarily the case.

14 YPNEXTHOME.CA

Read the full story…

ypnexthome.ca/hottest-markets

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built for you today support from start-to-finish

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We make it easy to buy your dream home with mortgages from Jayman Financial, the assistance of Jayman Realty, and a complimentary Jayman moving van.

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O.A.C. Client will be required to qualify at a higher rate. See sales centre for details.

AUBURN BAY MAHOGANY

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EVANSTON

REDSTONE

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HEARTLAND

RIVERSONG

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RIVIERA

KINGS HEIGHTS

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SUNSET RIDGE

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SYMONS GATE

Auburn Bay Gardens Developer: Carma Builders: Heartland Homes | Cardel Homes | Cedarglen Homes | Baywest Homes | Jayman MasterBUILT | Albi Homes | Morrison Homes

2 Copperfield Developer: Hopewell Residential Communities Builders: Broadview Homes | Coco Homes Sabal Homes | Stepper Custom Homes

17 AVEN

3 Cranston Developer: Carma Builders: Albi Homes | Beattie Homes | Cardel Homes | Cedarglen Homes | Trico Homes

Cranston Estates Showhomes: Corner of Cranston Ave.& Cranarch Rd.

4 WALDEN Showhomes: Walden Rise SE Developer: Genstar Builders: Shane Homes | Cardel Homes | Innovations

by Jayman | Excel Homes

MORE VOIR

HLAND DRIVE

DERSON ROAD

24 STREET

Builders: Albi Homes | Landmark Homes | Baywest Homes

Developer: Carma EEK PARK

Showhomes: Mahogany Heath SE. Developer: Hopewell Builders: Jayman MasterBUILT | Sabal Homes | Stepper Custom Homes | Trico Homes

6 McKenzie Towne Developer: Carma

ELGIN VILLAGE Showhomes: Elgin Meadows Green SE. Elgin Estates Park SE. Builders: Cardel Homes | Homes by Avi | Albi Homes | Heartland Homes VILLAGE OF PRESTWICK Showhomes: Prestwick Blvd SE. Builders: Cedarglen Homes | Jayman MasterBUILT

7 New Brighton

Showhomes: New Brighton Dr. SE. Developer: Carma Builders: Beattie Homes | Cardel Homes | Cedarglen Homes | Morrison Homes | Heartland Homes | Homes by Avi

TT VI

JAMES McKE

5 Mahogany

2 AVENUE

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OF 5 QUIS NOTE: Map is just a graphic representation MARof areas of developments. See ad of a particular project for more details.

SHERIFF KING STREET

JAMES McKE

TT VI

DEVELOPER: Hopewell Residential BUILDERS: Jayman MasterBUILT, Hopewell Residential, Stepper Custom Homes, Homes by Avi, Excel Homes ESTATE BUILDERS: Calbridge Homes, Morrison Homes, Homes by Avi www.mahoganyliving.com

CL D. VO R BLV

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FOO T TR

05 MAHOGANY

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TOM TR BOT

24 STREET

DEE R

52 STREET

HLAND DRIVE

04 WALDEN

DEVELOPER: Genstar BUILDERS: Cardel Homes, Excel Homes, Homes by Avi, California Homes, Avi Urban

BARLOW TRAIL

MORE VOIR

DEVELOPER: Brookfield Residential BUILDERS: Albi Homes, Cardel Homes, Cedarglen Homes, Trico Homes, Morrison Homes, Landmark Homes, Baywest Homes, Brookfield Residential RIVERSTONE OF CRANSTON BUILDERS: Albi Homes, Cedarglen Homes, Landmark Homes, Baywest Homes, Calbridge Homes, Brookfield Residential www.livecranston.ca

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

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03 CRANSTON

1 CRANSTON AVE. SE

SETON BLVD SE

4

06 McKENZIE TOWNE

DEVELOPER: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential www.livemckenzietowne.com

07 NEW BRIGHTON

DEVELOPER: Brookfield Residential BUILDERS: Cedarglen Homes, Morrison Homes www.livenewbrighton.ca

08 CHAPARRAL VALLEY

DEVELOPER: Genstar BUILDERS: Cardel Homes, Jayman MasterBUILT, Innovations by Jayman, Cardel Lifestyles, Homes by Avi, California Homes

09 QUARRY PARK

DEVELOPER: Remington Corporation BUILDERS: Cardel Homes, Birchwood Properties, Albi Homes

10

01 AUBURN BAY

9

DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Cedarglen Homes, Baywest Homes, Jayman MasterBUILT, Albi Homes, Morrison Homes, Discovery Homes, Innovations by Jayman www.liveauburnbay.ca

10 LEGACY

DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Sterling Homes, Creations by Shane Homes, Innovations by Jayman, Calbridge Homes, Morrison Homes, Excel Homes www.legacylife.com

02 COPPERFIELD

DEVELOPER: Hopewell Residential BUILDERS: Hopewell Residential, Stepper Custom Homes

JAN 1-29, 2016 | NEW HOME GUIDE 17

Advice | MORTGAGE ADVICE

First-time homebuyers: 3 steps required to get into the market

By Alyssa Richard

MORE ADVICE ONLINE ypnexthome.ca/news/advice PURCHASING A HOME will be one of the biggest investments you’ll ever make. If you’re just starting to look, there are a few steps you’ll need to take before you can buy a home.

Determine how much you can afford First, you have to determine what you can afford. Your affordability is based on your household income, your current monthly debt payments and the costs associated with owning a home (such as property taxes, heating costs, and condo fees).

A lender will also look at two ratios to figure out how large your mortgage can be. The first is called the gross debt service ratio. Your monthly housing costs for (principal and interest, taxes, and heating costs) shouldn’t be more than 32 per cent of your gross income. The second is called the total debt service ratio, which includes your housing costs as well as any loan expenses (such as credit card and line of credit payments, and car loans or leases).

This ratio shouldn’t be higher than 18 YPNEXTHOME.CA

40 per cent of your gross income.

You also have to come up with enough money to make a down payment. You’ll need to have a minimum of five per cent. If you’re able to come up with a down payment of 20 per cent or more, you won’t need mortgage loan insurance.

And you should also have money saved for closing costs, which could be between 1.5 and four per cent of the purchase price of your property.

Dip into savings Once you’ve determined how much you’ll need, you’ll have to find a source for your down payment and closing costs, one of which can be your RRSP. Under the Home Buyers’ Plan, you can withdraw up to $25,000 from your RRSP on a tax-free basis as long as the funds have been in the plan for more than 90 days. If you’re purchasing a property with a partner who’s also a first-time buyer, you’ll each be able with withdraw $25,000.

Keep in mind that the money has to be paid back starting the second year after you make the withdrawal and you have up to 15 years to repay the amount. If you don’t make an annual payment, you’ll have to declare it as taxable income on your tax return for that year.

If your RRSPs or other savings aren’t enough, your family may be

able to help you. In fact, an April 2015 BMO survey found 42 per cent of first-time buyers expect their parents or relatives to help pay for their first home.

Shop for a mortgage It can pay to shop around. If you and your partner go with the first mortgage rate you find, you could end up paying a lot more.

Let’s assume the following: you plan on buying a $500,000 home with a $400,000 mortgage, your amortization period will be 25 years, and you have a five-year fixed rate of 3.5 per cent. That means your total mortgage payment will be $1,997 a month.

But if you do a little research, you could save some money. If you’re able to get a mortgage with a fiveyear fixed rate of 2.5 per cent, your payments will be $1,792, a difference of $205 a month or $2,460 a year.

That’s why you should look for the best mortgage rates.

You need to be ready financially before you’re able to purchase a property. Knowing what steps are involved to become a first-time homebuyer will allow you to start your search for buying a home.

Alyssa Richard is the founder and CEO of ratehub.ca, a mortgage rate comparison site that aims to empower Canadians to make smart financial decisions.

›› AIRDRIECOMMUNITIES 3 VETERANS BLVD

05 RAVENSWOOD

DEVELOPER: Qualico BUILDERS: NuVista, McKee Homes, Pacesetter, Broadview

7

VETERANS BLVD

06 COOPER’S CROSSING

DEVELOPER: Westmark Holdings BUILDERS: McKee Homes, Trico Homes, Vesta Properties, Canterra Custom Homes, Crystal Creek Homes and Harder Homes, Lifestyle Homes

1ST AVE

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DEVELOPER: Vesta Properties BUILDERS: Vesta Properties

EAST LAKE

1 12

08 HILLCREST

Developer: Apex Developments Builders: Excel Homes, Shane Homes,Trico Homes hillcrestairdrie.com

NOSE CREEK

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Developer: Mattamy Homes Builders: Mattamy Homes

YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

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See ad of a particular project for more details.

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6 4

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DEVELOPER: Genesis Land Development Corp.

BUILDER: McKee Homes, ReidBuilt Homes www.genesisland.com

02 WINDSONG

DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

10 CANALS LANDING

Developer: Genesis Land Development Corp.

Builders: ReidBuilt Homes, Mckee Homes, Crystal Creek Homes, Genesis Builders Group, Westview Homes

11 PIER 11

Developer: Genesis Land Development Corp.

Builders: Genesis Builder Group pier11airdrie.com

12 MIDTOWN 03 REUNION

DEVELOPER: Hopewell Residential BUILDERS: Excel Homes, Sabal Homes, McKee Homes

Developer: Wenzel Developments & Apex Developments Builders: Creations by Shane Homes, Excel, Trico

04 KING’S HEIGHTS

DEVELOPER: Melcor BUILDER: Loreck Homes, McKee Homes, ReidBuilt Homes, Shane Homes, Homes by Avi, Innovations by Jayman www.kingheights.ca

JAN 1-29, 2016 | NEW HOME GUIDE 19

Insight

Create your dream landscape

By Brad Jackman ONE SHOULD NEVER underestimate the many benefits

of creating a vibrant and functional outdoor living space customized for your home. Professionally landscaping your property provides a sanctuary for your family, friends and pets. Landscaping improves your quality of life, increases the value of your home and adds personal flare to your home’s exterior. Clearly, there are many aspects to landscape construction and it pays to explore all your options carefully.

With a variety of high quality products and many different design concepts, your landscape design can be customized to complement any size and shape of property.

20 YPNEXTHOME.CA

Natural Stone is a fabulous material to use for landscaping. Serenity, timelessness, balance, beauty and function are all traits of natural stone.

Landscape lighting is a phenomenal way to enhance your outdoor space and bring your yard and nature to life.

Lighting provides your space with energy, safety, balance and interest. The ambient glow of landscape lighting sets the mood for your yard.

Custom irrigation systems are an excellent way to conserve water and reduce your yard maintenance. This will allow home owners to maximize the amount of water their landscape requires. An irrigation system is a far more effective way to provide your yard the water it craves.

Homeowners have endless options when it comes to custom woodwork. Decks, pergolas, privacy walls, arbors and many other options are possible with wood. Pressure treated lumber, cedar and Kayu Batu (outdoor hardwood) are all excellent material choices to bring the luxury of inside outdoors.

Retaining walls create boundaries, provide function and most importantly support earth. Walls can be the most important part of your landscape. Garden beds, steps, boulders, trees, shrubs and lighting can all become part of your retaining walls.

Drainage, grade, structure and function must be considered at every level. With a man-made concrete product you are able to build retaining walls perfectly level.

Paving stones are another landscape option and can be creatively incorporated into your yard. Paving stones are more cost effective than natural stone and there are many options of colors, textures, and sizes.

Concrete is a product which is extremely functional, low maintenance and is very cost effective. Concrete can be done with a brushed, exposed or stamped finish. Concrete is great for walkways, patios, driveways and walls.

Clearly, there are many aspects to landscape construction

and it pays to explore all your options carefully. More importantly, hire a company with a strong portfolio.

The key to enjoyment and the longevity of your yard is quality craftsmanship. Landscaping is a process that’s built in layers. Many of the steps are tedious, lengthy and labour intense. Progress can seem slow due to the preparative work required, with most typical contracts springing to life in the final few days of construction.

Having professionals with the proper knowledge base who use high quality materials is a must.

A locally owned and operated Calgary based company, Landscape 360 specializes in residential, estate and acreage landscape construction. Our philosophy is based upon professionalism, quality, trust and respect.

Brad Jackman and Brian Smith lead a team of friendly, knowledgeable and hardworking staff. We have a combined 22 years of experience within the landscape industry. If it is a fully conceptual design you require or a smaller project, we will be happy to help.

Landscape 360 Professional Landscape Construction 403.452.0360, landscape360.ca Like us on facebook JAN 1-29, 2016 | NEW HOME GUIDE 21

north

Ask An Expert

Q&A

By Heather Ryan

Social media a popular tool for house hunters

in the home building industry,” Kasianiuk notes. “Many builders are on social media sites such as Facebook, Twitter, YouTube, Instagram and Pinterest and use these sites to share information such as showhome openings, quick possession home availability, promotions and more.”

Many builders also provide relevant information for new home owners after they move in, such as home maintenance information and decorating tips, as well as sharing information on their community involvement, awards and introducing new employees and initiatives.

Instagram and Pinterest are popular photo sharing sites and are useful in providing ideas for customers’ selections when building their homes ASK AN EXPERT: by HEATHER RYAN – inspiration for flooring, backsplashes, door finishes, cabinet styles in the kitchen and bath and virtually every aspect of your home. YouTube is one of the top search engines, and many builders have showhome video tours, customer testimonials and other useful videos for people looking to find a new home. You can also research customer reviews on impartial third party sites such as Home Stars.

“Accessing social media can make the process of buying a home easier, as it is a source of great content for ideas once you make the decision to purchase,” Kasianiuk says. “Websites such as Houzz provide a database of over one million photos for design inspiration when it comes to actually building your home.”

Sherwood If you have any home related questions, you’re invited 5to contact Showhomes: 1228 Sherwood Blvd.

Shane Homes at info@shanehomes.com.

Q&A

Q: How can using social media help in my hunt for a new home?

A: “Social media is a popular tool to use when researching buying almost any product nowadays, including purchasing a new home,” says Brenda Kasianiuk, social media, marketing and sales associate for Shane Homes and Creations by Shane Homes. “Research shows that Canadians spend an average of 36.3 hours browsing and visit approximately 80 websites in one month’s time (source: comscore.com).”

Many of these people, she says, are using their mobile devices such as smartphones and tablets to visit sites like Facebook and Twitter. So, it’s not surprising that with the growing popularity of social media, more home builders are providing useful and relevant information on social media for consumer’s convenience.

“Social media is an easily accessible, timely, low cost information source for people to research and keep up-to-date on what’s happening

Developer: Genesis Development Corp Builders: Majestic Homes

.

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Developer: Intergulf Cidex Builders: Trico Homes/Intergulf Cidex

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Showhomes: Tuscany Estates Rise NW Developer: Carma Builders: Landmark Homes | Albi Hom

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Developer: Genesis Land Development Apex Developments Builders: Evolution Homes | Majestic H Excel Homes | Centrex Home

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Find out more at beaconheightsinsherwood.com

22 YPNEXTHOME.CA BH-14355 NHG HP Ad Jan1 v9.indd 1

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69 STREET

DEVELOPER: Genstar BUILDERS: Homes by Avi, Cardel CityLifeArcuri Homes Homes,9Landmark,

DEVELOPER: United Communities BUILDERS: Pacesetter Homes

11 Milano

05 NOLAN Showhomes: HILL 99 Panatella Hill NW

Builders: Trico Homes DEVELOPER: United Communities BUILDERS: Homes by Avi, BUILDERS: Birchwood Properties Morrison Homes, Shane Homes, Sterling Homes, Trico Homes, 10 Hanson Ranch 03 EVANSTON kora Glen Rd. NW Showhomes: Hidden Creek Blvd. NW Jager Homes, Pacesetter Homes, DEVELOPER: Qualico Creations by Shane Homes Developer: Cedarglen Homes | Cardel Homes and Development Corp. | Communities www.nolanhillunited.com elopments Builders: Genstar BUILDERS: Broadview, NuVista, Homes | Majestic Homes | Trico Homes, Pacesetter Homes, 06 BEACON HEIGHTS es | Centrex Homes DEVELOPER: Intergulf Cidex Sterling Homes, Jayman BUILDER: Trico Homes, Intergulf MasterBUILT Cidex

Homes | Albi Homes

11 VALLEY POINTE ESTATES

12 BEARSPAW WILLOW CREEK

BUILDERS: Astoria Custom Homes, Hyatt Homes, Laratta Homes, Mckinley Masters Custom Homes

13 WATERMARK AT BEARSPAW

#1 Community in Canada* DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

14 EVANSRIDGE

DEVELOPER: Dream Development BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Morrison Homes, Innovations

by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes

15 ROCK LAKE ESTATES

NOTE: Map is just a graphic representation of areas of developments.

17 AVENUE See ad of a particular project for more details.

01 PANORAMA HILLS

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.genesisland.com

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›› NORTHWESTCOMMUNITIES

DEVELOPER: Decker Management BUILDERS: Crystal Creek Homes, Lupi Luxury Homes

17 SHERWOOD

DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group www.lifeinsherwood.com

18 MOUNT PLEASANT

BUILDER: Landmark Homes www.landmarkgroup.ca

19 SYMONS GATE

DEVELOPER: Brookfield Residential BUILDERS: Brookfield Residential, Jayman MasterBuilt, Morrison Homes

JAN 1-29, 2016 | NEW HOME GUIDE 23

next prenup.

next hubby.

next mistress.

next fight.

next divorce.

When one thing, leads to another home.

Discover all your possibilities at

Welcome to 2016

Intelligence House is beginning the new year with a

That said, the net economic outcome of 2016’s labour market (real GDP) is expected to outpace 2015 levels, which will encourage stronger household income growth.

In turn, annual resale housing transactions in the province are expected to reach similar levels as experienced in 2015, keeping housing prices in this market marginally higher on average.

general review of how economic experts expect key provincial indicators to perform throughout 2016. For this exercise, we’ve studied the comprehensive survey of provincial outlooks published by the Alberta Treasury Board and Finance, in conjunction with their most recent provincial budget, as well as the Canada Mortgage and Housing Corporation’s winter outlook for Alberta’s

Provincial new housing starts are, however, expected to contract as the market for new homes focuses more on selling current constructing inventory. This will help relieve any downward price pressure that might otherwise occur if the level of unsold completed new homes were to increase.

housing market.

In general, today’s provincial outlooks call for moderate economic performance under the expectation that the price of oil will average marginally higher in 2016 by comparison to those experienced prior to 2015. This

The table below provides a summary of the forecasts reviewed in the above interpretation.

expectation is different from the general expectation issued last January when many economists assumed oil prices would grow consistently throughout 2015

Intelligence House reminds the reader that this outlook is for the province as a whole, and does not apply to every provincial community equally – as some communities are poised to perform much better than others by a similar analysis.

and 2016. With this new scenario, a new reality has set in and the expectation for Alberta’s labour markets and corresponding net migration levels in 2016 are in general, moderate.

Alberta Economic Outlook Summary for 2016 2016 f

2014

2015 (est)

2016 f

(Low to High)

*West Texas Intermediate Oil $US

$96

$50

$57*

$54 - $75

*Alberta Real GDP Growth

4.8

-1

1.5*

0.9 - 1.4

*Employment Growth

2.2

1

0.5*

0.1 - 1.1

*Unemployment Rate

4.7

5.7

5.7*

5.3 - 6.5

*Primary Household Income Growth

6.8

2.5

2.8*

3.1 - 3.8

Net Migration (June - June)

42

23.4

27.2*

na

Resale Housing Transactions

71,733

57,500

58,600**

na

5.2

-2.6

0.4**

na

New Housing Starts

Resale Housing Price Growth

40,590

37,200

29,800**

na

Year-End Housing Units Under Construction

33,706

33,141

na

na

*Alberta Treasury Board and Finance Average and Range of Outlook Survey (Oct 2015) **CMHC Housing Market Outlook for Canadian Prairie Regions (Nov 2015).

Intelligence House is Alberta’s newest and most innovative Real Estate Marketing Agency with a focus on strategic market intelligence which includes full research, marketing and sales / leasing services for the real estate industry.

intelligencehouse.ca From left to right: Emmett Hartfield Alex Ruffini Michael Melnychuk

FOLLOW US ON

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DEVELOPER: La Vita Land BUILDERS: Calbridge Homes www.mysticcalbridge.com

16 AVENUE

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7 11 BOW TRAIL

MEM

ORI

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DEVELOPER: Legend Developments

04 CRESTMONT

DEVELOPER: Qualico Communities BUILDERS: Augusta Fine Homes, NuVista Homes

BLACK FOOT TRAIL

1

BUILDERS: Crystal Creek Homes, Empire Custom Homes, Avi Urban, Calbridge Homes, Core Properties, Jayman Modus, Slokker Canada West

03 SPRING VALLEY

17 AVENUE

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17 AVENUE

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14 AVENUE SW

69 STREET

05 ELMONT BAY

BUILDERS: Westview Builders, Winwood Homes www.elmontbay.com

06 DRESSAGE IN SILVERADO

DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

SOUTHLAND DRIVE

07 WESTLAND ESTATES

BUILDERS: Baywest Homes, WestView Builders www.westlandestates.ca

08 WEST GROVE ESTATES

ANDERSON ROAD

BOTTOM TR

FISH CREEK PARK

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DEVELOPER: Truman BUILDERS: Sane Homes and Truman Homes

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DEVELOPER: Truman BUILDERS: Prominent Homes, Crystal Creek Homes, Lupi Luxury Homes, Augusta Fine Homes, West Grove Estates, Shane Homes, Truman Homes

DEVELOPER: Cardel Homes BUILDERS: Cardel Homes www.cardelhomes.com

MCKEVITT

FISH CREEK BLVD

S PRUCE MEADOWS HWAY

NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

MACLEOAD TRAIL

GLENMORE RESERVOIR

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›› SOUTHWESTCOMMUNITIES

JAN 1-29, 2016 | NEW HOME GUIDE 27

Showhome Review | SHANE HOMES

Shane Homes takes Tofino III showhome to

NEW HEIGHTS PRESENTING A BEAUTIFUL decor, stunning features and super-sized spaces, Shane Homes has taken its Tofino III showhome in West Grove Point to new heights.

“The Tofino is one of our most popular plans, and with this showhome we’ve upped the wow factor,” says area manager Jack Kushner. “It’s an absolutely beautiful home and if it’s not the nicest decorated showhome that Shane Homes has ever done, then it’s in the top three.

“This showhome is a customized version of the Tofino III, so it’s larger and more luxurious,” Kushner says. “It’s a 30-ft. wide home, so four feet wider than the standard Tofino creating a very spacious, open feel.

“People come into this home and say ‘Wow!’ They love the incredible ensuite – it really has that spa-like feel – the kitchen with the exotic granite and the spaciousness of all the bedrooms – all of which come with walk-in closets and built-in shelves,” he adds.

28 YPNEXTHOME.CA

The 2,882-sq.-ft. showhome impresses right from the front door, with a grand foyer featuring a towering open to above ceiling, open rails on the staircase that provides a view through to the rear of the home and a richly toned hardwood floor.

The nine-ft. ceilings on all three floors and eight-ft. doors on the main and second floors add to the sense of grandeur and a classic contemporary look in warm grey and white gives the home a clean and crisp look without being stark.

Off the foyer, double French doors open to an IT zone offering an ideal home office space with a built-in desk and upper and lower cabinets, and also up front is a halfbath and a huge mud room that provides substantial space to store boots and coats with built-in lockers, shelves and a functional bench.

The kitchen is a feast for the eyes with its upgraded

“It’s an absolutely beautiful home and if it’s not the nicest decorated showhome that Shane Homes has ever done, then it’s in the top three”

Location

West Point Grove Builder

Shane Homes Home Type

Tofino III Sales Centre

38 West Grove Point S.W., Calgary Contact

Jack, 403.536.2304

granite-topped island with breakfast bar seating as the focal point. Other stunning features include a chimney-style hood over the cook top range that blends into the cabinetry, builtin wall oven with microwave above, ceiling height cabinets, full-height decorative tile backsplash and a walk-through pantry with built-in shelves and an upright freezer.

Shane adds a special touch by continuing the kitchen’s style in a built-in hutch complete with a wine fridge and built-in wine rack in the adjacent dining area, while the great room offers a warm, comfortable space highlighted by a gorgeous feature wall that surrounds the fireplace.

At the top of the stairs, the expansive bonus room offers a vaulted ceiling and an eye-catching built-in entertainment unit.

The grand owners’ suite presents a relaxing private retreat that can easily accommodate king-sized furniture and owners will love indulging themselves in the lavish ensuite featuring a bank of windows, a free-standing

soaker tub, super-sized walk-in shower and granitetopped his and her vanities – hers also has a make-up table – plus there is a large walk-in closet.

The upstairs also features two generously-sized bedrooms each with walk-in closets and one with an inviting built-in window bench seat, a full bathroom and large laundry room.

This showhome features an oversized double garage, however, Kushner says because the lots in West Grove Point are average 158-ft. long Shane Homes can build triple and quadruple tandem car garages. “We also offer a great selection of lots, about 50 per cent are walkouts and 75 per cent back onto greenspace.”

For more information, visit the Tofino III at 38 West Grove Point S.W., Calgary, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., call 403.536.2304 or visit shanehomes.com JAN 1-29, 2016 | NEW HOME GUIDE 29

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›› CALGARYREGIONEAST NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

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CHESTERMERE 797 LANGDON

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CHESTERMERE 543 RAINBOW FALLS 22 DEVELOPER: Truman Developments HIGH RIVER BUILDER: Jager Homes, Lionsworthe Homes, Douglas Homes, ReidBuilt Homes

WESTMERE

DEVELOPER: Melcor BUILDERS: Lifestyle Homes, ReidBuilt Homes

SHORES ON WESTMERE

DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

KINNIBURGH

DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Fine Homes, Broadview Homes, ReidBuilt Homes, Sunstar Homes

2A 04 BUFFALO HILLS (coming soon)

BUILDERS: Prominent Homes Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

LAKEPOINTE

DEVELOPER: Mattamy Homes BUILDER: Mattamy Homes Sales centre 400 Westpark Dr.

LANGDON BOULDER CREEK ESTATES

DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Broadview Homes

HANSON PARK

DEVELOPER: Hanson Park Developments BUILDERS: Canaco Homes Ltd, Ovation Homes Ltd, Douglas Homes

STRATHMORE THE RANCH IN STRATHMORE DEVELOPER: United BUILDERS: Jager Homes and Westview Builders

WILDFLOWER RANCH IN STRATHMORE

DEVELOPER: Cancorp Property Group Inc. BUILDERS: Carpenter Homes, Paradyme Homes, Aquilla Homes and Canterra Custom Homes

EDGEFIELD IN STRATHMORE

DEVELOPER: Pollyco BUILDERS: ReidBuilt Homes, Ovation Homes, Westview Homes, Aquilla Homes www.edgefieldstrathmore.com

LYALTA 03 THE LAKES OF MUIRFIELD

BUILDERS: Douglas Homes, Today’s Homes, Ribero Homes and Compass Rose Homes

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JAN 1-29, 2016 | NEW HOME GUIDE 31

Neighbourhood Profile

East Village Condo living with a downtown buzz Fast facts Most common housing type

Highrise

Family composition

SINGLES

COUPLES

FAMILIES

86%

14%

0%

Own vs. rent

89% OWNERS

MORE PHOTOS ONLINE ypnexthome.ca/east-village

11%

RENTERS PEOPLE WHO LIKE to be a part of the

downtown buzz and enjoy condo living will love East Village. Active residents, downtown urbanites and professionals who value being close to work and the amenities associated with downtown should definitely consider this area. Just remember – you’ll pay for these conveniences Vibe East Village has undergone intense revitalization in the last few years.

Due to once high vacancy rates, this downtown neighbourhood was formerly known as “the wrong side of the tracks,” but in recent years has become one of the residential hot spots. East Village is now home to restored heritage buildings, public art, brand new condominium highrises, parkways and connecting bridges.

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 32 YPNEXTHOME.CA

crowd and professionals. You won’t see much for families 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, there’s Charbar restaurant and patio; Phil and Sebastian coffee and fresh baking from Sidewalk Citizen Cafe – all located in the now restored Simmons Building. You’ll also find an assortment of food trucks.

Planes, trains & 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. Bike and walking paths also make it easy to cross the river into a number of nearby neighbourhoods.

The good, the bad & the rest With ambitious plans to bring in high-end retail, hotels and other

Education levels

46%

HIGH SCHOOL

28%

26%

COLLEGE

UNIVERSITY SOURCE: ENVIRONICS

luxury amenities over the next few years, this is sure to become one of the most posh areas to buy a condo in the city. Revitalization efforts have gone a long way to clean up this part of the downtown.

Real estate 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.

›› CALGARYREGIONSOUTH 1A

NOTE: Map is just a graphic representation of areas of developments. See ad of a particular project for more details.

2

COCHRANE

STRATHMORE

1

1

CALGARY

CHESTERMERE 797 LANGDON

22X

22X

PRIDDIS

TURNER VALLEY

HERITAGE POINTE

BLACK DIAMOND

2

OKOTOKS 2A

543 22

HIGH RIVER

HIGH RIVER

BLACK DIAMOND

HIGHWOOD LAKE

RIVERWOOD ESTATES

DEVELOPER: WestView Builders BUILDER: WestView Builders

DEVELOPER: Riverwood Estates Inc. BUILDERS: Woodmaster Homes Ltd.

HAMPTON HILLS

BUILDERS: WestView Builders

MONTROSE

DEVELOPER: Dream Development BUILDER: Lifestyle Homes, Red Door Homes

PRIDDIS

HERITAGE POINTE ARTESIA AT HERITAGE POINTE

DEVELOPER: Heritage Pointe Properties Inc. BUILDERS: Astoria Custom Homes, Albi Homes, Calbridge Homes www.liveatartesia.com

HAWKS LANDING

DEVELOPER: Hopewell Residential Communities BUILDERS: Prominent Homes, Baywood Estate Homes, Trickle Creek Custom Homes, Wolf Custom Homes, Thompson Luxury Homes, Bradmar Homes, Baywest Homes www.hawkslanding.ca

JAN 1-29, 2016 | NEW HOME GUIDE 33

Advice | CALGARYISM

3 of Calgary’s best new food & drink spots in 2015

By Cody Battershill

MORE ADVICE ONLINE ypnexthome.ca/news/advice

ONCE YOU STEP into foodie territory,

there’s no going back. It’s exciting to be on the look-out for new delights – here are three food and drink establishments well worth a visit.

Ikemen Ramen Bar and Cocktails Address: 217 10th St. NW Phone Number: 403.452.2148 There are few better things to eat on a cold day than a hot bowl of delicious noodle soup. Ikemen serves up a variety of Japanese ramen noodle bowls each with a distinct flavour compared to the others because of carefully chosen ingredients.

Try the mushroom ramen – kombu shitake broth, assorted mushrooms, yuzu zest, green kale, garlic chips, sesame seeds and green onion – but make sure you add the chicken or pork on top as you’d be missing out if you didn’t try at least a few slices of Ikemen’s melt-in-your-mouth chasu.

Native Tongues Address: 235 12th Ave. SW Phone Number: 403.263.9444 This new beltline Taqueria has got us all screaming for more of its casual, yet high-quality Mexican cuisine. With a strong focus on tacos, menu options range from just $3.75 to over $35 for the ultimate sharing platters with the latter being a great way to get a small piece of all the humongous tastes at Native Tongues.

All of the corn tortillas are housemade are made on-site throughout the day. Inside of these flavourful 34 YPNEXTHOME.CA

Join Us Looking for more of the best local activities, events, restaurants and everything else to do with Calgary, Alberta? If so, we invite you to join us at Calgaryism on Facebook, Twitter and Instagram today. We hope to see you there! shells you’ll get to enjoy a variety of classic fillers ranging from chicken and chorizo to more exotic meats like braised beef tongue and grilled octopus mixed in with sides of your choice such as avocado, diced onions, roasted poblanos and other specialties such as peanut chile salsa.

Proof Cocktail Bar Address: 1302 1st Street SW Phone Number: 403.246.2414 You’ll be hard done by to not be able to find a cocktail that suites your liking at Proof on First Street Village in

Victoria Park. More than 300 liquors are available for you to choose from, as you’ll see behind the bar with the entire wall covered with bottles, a neat touch for a food and drink establishment that is one of the main stars in the growing cocktail lounge scene here in Calgary.

Proof also has an assortment of small tapas-style bites great for sharing ranging from the pickled shrimp cocktail to the fluffy gougeres, the perfectly sized snack to go with any exotic drink on the menu. It’s first-come, first-served here, but with about 60 seats, you should be able to find a spot sooner than later.

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

Buyers’ Resources | MORTGAGE RATES

Compare mortgage rates for your best deal CHARTERED BANKS

variable

6 months

1 year

2 years

3 years

4 years

5 years

ATB Financial

2.4500

4.0000

2.9400

2.6400

2.6400

2.7400

2.9400

Alterna Bank

2.5500

4.0000

2.8500

2.8500

2.5900

2.9400

2.6800

Alterna Savings

2.5500

4.0000

2.8500

2.8500

2.5900

2.9400

2.6800

Bank of Montreal

2.7000

4.0000

2.8900

2.8400

3.3900

3.8900

4.7400

Bank of Nova Scotia

2.7000

4.5500

3.2900

3.0900

3.3900

3.8900

4.4900

CIBC Mortgages

2.7000

3.1400

2.8400

2.7900

3.3900

4.0900

4.7900

Caisses Desjardins

2.7000

4.4000

3.1400

3.2400

3.3900

3.8900

4.7400

Canadian Western Bank

2.9000

4.0000

3.1400

3.0400

3.6500

4.2000

4.7400

Canadian Western Trust

2.9000

4.0000

3.1400

3.0400

3.6500

4.2000

4.7400

Comtech Credit Union

-

6.2000

2.7900

2.8900

2.9500

2.9900

2.6900

DUCA Financial Services

2.5000

-

3.0900

3.0000

2.9900

3.0900

2.7900

Effort Trust

-

4.4500

3.3500

3.5000

3.7000

4.3000

4.3500

Equitable Bank

-

-

3.1400

3.0400

3.6500

4.3900

4.6400

First Calgary Financial

-

4.0000

2.8900

2.8900

3.3900

3.0900

2.8400

First National Financial

2.4000

3.0000

2.2900

2.2400

2.4400

2.6400

2.7900

FirstOntario Credit Un.

2.7000

4.2400

2.6900

2.3500

2.3900

2.5900

2.7200

HSBC Bank Canada

2.7000

4.4500

3.1400

3.1400

3.5400

4.2400

4.7400

Home Trust Company

2.5000

3.9500

2.6900

2.2400

2.3900

2.5900

2.7400

ICICI Bank Canada

3.0500

-

3.1500

3.6500

3.6400

3.6900

3.6900

Investors Group Trust

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.7400

Laurentian Bank Canada

2.7000

4.4000

2.8900

2.8400

3.3900

3.8900

4.7400

League Svgs & Mortgage

-

4.0000

2.9900

2.6900

2.7900

2.8900

2.9900 2.8900

Libro Credit Union

-

3.7500

2.8500

2.8500

2.8900

2.8900

London Life

2.7000

4.2000

3.1400

3.0900

3.3900

3.8900

4.7400

Manulife Bank

2.4000

4.4500

3.0000

2.9400

2.8400

2.7900

2.7400

Manulife Trust

-

4.4500

3.0000

2.9400

2.8400

2.7900

2.7400

Meridian Credit Union

2.5000

4.0000

3.0900

3.0900

3.5500

2.4900

2.5900

National Bank

2.7000

4.4000

3.1400

3.0400

3.3900

3.8900

4.7400

PACE Savings & Credit Un

-

5.0000

2.8900

2.5900

3.3900

3.8900

4.6400

Parama Credit Union

2.6500

-

2.8000

2.8500

2.9500

3.0500

3.1500

Peace Hills Trust

-

4.5000

3.1500

3.5000

3.7500

3.8500

3.9500

President’s Choice Fin’l

2.7000

6.1900

3.1400

2.7900

3.3400

3.9900

4.4400

Rapport Credit Union

2.8500

6.0000

3.0900

3.0400

3.5000

3.0400

2.9900

Royal Bank of Canada

2.7000

3.1400

3.1400

3.0400

3.6500

4.3900

4.6400

Servus Credit Union

-

4.0000

2.8900

2.8400

3.3900

3.8900

4.6400

Steinbach Credit Union

-

-

2.4500

2.5500

2.5500

2.6500

2.6500

T-D Mortgage

2.7000

3.1400

2.8900

2.8400

3.3900

3.8900

4.6400

Tangerine

2.7000

-

3.1900

3.2400

3.4900

3.6900

3.7900

Windsor Family C.U.

-

4.4500

3.0000

3.0000

3.0500

3.0500

3.1000

Your Neighbourhood C.U.

-

-

2.7990

2.8900

3.0900

3.1500

3.1900

ONLINE CALCULATOR ypnexthome.ca/mortgage-calculator PREPARED BY CANNEX ON DECEMBER 11, 2015 AT 09:33:51 ET. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2015 CANNEX Financial Exchanges Limited. All rights reserved.

GO CONDO FOR UNDER

1,200/MONTH

$

10,000 CREDIT AT THE MATTAMY DESIGN STUDIO

ATTACHED-GARAGE TOWNHOMES FROM $274,990

$

ONLY $1000 DOWN TO SECURE YOUR VILLAGE HOME**

NO CONDO FEES FOR 2 YEARS***

CALGARY COUNTRY HILLS BLVD

SALES CENTRE

1A 1

10520 Métis Trail NE Calgary, Alberta 587-755-1061

STONEY TRAIL NE

Prices Includes GST

201

201

MÉTIS TRAIL NE

From $274,990

SALES CENTRE 2

N

DEERFOOT TRAIL

Village Homes

*

2

FOR MORE INFORMATION ON OUR COMMUNITIES REGISTER AT MATTAMYHOMES.COM FOLLOW US: SALES CENTRE HOURS: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm Prices, specifications, promotions, terms and conditions subject to change without notice. * The calculated mortgage payment reflects 5% down, is inclusive of mortgage insurance requirements, assumes a 2.34% interest rate on a 3 year closed mortgage with 25 year amortization. It is recommended that you speak with your mortgage professional regarding payment information that is specific to your qualifications. ** $1,000 down to secure the home purchase with the remaining 5% of the down payment due upon the removal of finance conditions.***Village Homes in Cityscape qualify for no condo fees for two years as discussed at the time of purchase. Please see your sales representative for details.

MATCALGARY-CS_NHG_Mag.indd 1

2015-12-15 1:32 PM