Calgary New Home Guide - Jul 18, 2014

Jul 18 - Aug 15, 2014 Volume 17 Issue 8

How can a view

THIS SPECTACULAR

still be a secret?

A FORTUNATE FEW have discovered the beauty and style of MOUNTAINVIEW IN OKOTOKS

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001-NHCAL CVR_07-18-14_TL_FIN.indd 1

WHY MORTGAGE RATES VARY AMONG LENDERS

WHAT’S IN A NEW HOME WARRANTY?

2014-07-10 1:49 PM

OF

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contents

JULY 18 - AUGUST 15, 2014 || VOLUME 17 ISSUE 8

ON THE COVER

p. 22

APEX DEVELOPMENTS

MountainView offers picturesque natural setting

50

16 39 40 46

Fundamentally Speaking

What’s in a new-home warranty?

14

Housing

44

Stampede Rotary Dream Home

EvansRidge in its final phases of development

by Cody Battershill

Insight

Landscape lighting

by Brad Jackman

Mortgage Advice

Why mortgage rates vary from lender to lender

by Alyssa Richard

SMALL TOWN L i v i n g

by Heather Ryan

HOMEBUYERS’ HELP

12 38 47

SPECIAL SECTION

Residential construction in Alberta generates $17.9B Stampede Rotary Dream Home a feast for the eyes

by Wayne Karl

Calgaryism

F E AT U R E

IN THE NEWS

Editor’s note

COLUMNISTS

CHBA - Calgary names new president, award winners

S P E C I A L

by Donna Moore

IN EVERY ISSUE

8

The Homebuying Process

Showhome Review

Shane Homes’ Tofino popular with buyers in Cranston

by Heather Ryan

Choosing a Builder

Tips for choosing a newhome builder

Homebuyers’ Resource Section

Mortgage calculator and rate table

Small Town Living... is it for you?

Learn more about Calgary’s surrounding areas Apex Developments (Mountainview in Okotoks)

18 Small Town Living

Smaller communities offer wide appeal

by Heather Ryan

22 APEX Developments

Mountainview offers picturesque natural setting

by Heather Ryan

28 Dream Development

Buyers come home to tranquil lifestyle in Montrose in High River

by Heather Ryan

32 Tamani Communities

Riversong in Cochrane offers laid-back lifestyle by the Bow

by Heather Ryan

40 district maps 9 24 25 30 33 34 35 37 43

Southeast Okotoks

PRESIDENT, WALL2WALL MEDIA

Airdrie

EDITOR-IN-CHIEF / DIRECTOR OF CONTENT

Jacqueline Hill Susan Legge

Calgary South

DIRECTOR OF SALES, NATIONAL

Josh Heppner

Cochrane

SENIOR SALES MANAGER, WESTERN CANADA

Calgary East

ART DIRECTOR

Edwin Rizarri

Tammy Leung

Southwest

EDITOR

Northwest

CONTRIBUTING EDITORS

Wayne Karl Sara Duck Elisa Krovblit Lydia McNutt

Northeast

28

Melanie Gowans

Senior Media Consultant

403.200.8462 Follow me on twitter @melgowans Like us on facebook; facebook/CalgaryNHG

PRODUCTION CO-ORDINATOR

Greg Van Sluytman GRAPHIC DESIGNERS

Mihail Terentiev MANAGER OF PRODUCTION

Bala Gnanapandithan NATIONAL ACCOUNT MANAGER, MEDIATIVE

Paul Slizys

FOR ADVERTISING INQUIRIES PLEASE CONTACT:

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FOR NATIONAL ADVERTISING INQUIRIES CALL:

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Published By

Calgary’s New Home Guide is published 13 times per year. We are located at 2891 Sunridge Way NE Calgary, AB T1Y 7K7. Phone: 587.226.1313. The magazine is free to the public.

COPYRIGHT 2014 All rights reserved by New Home Guide, Toronto, Ontario, Canada.

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.Wall2Wall Media is a trademark of Yellow Pages Group Co. in Canada.

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

E. & O. E.

12

EDITORIAL Submissions from interested parties will be considered. Please submit to the editor at Susan.Legge@wall2wallmedia.com.

//EDITOR’S NOTE

Long-term commitment will afford you peace of mind

W SUSAN LEGGE

EDITOR-IN-CHIEF Wall2Wall Media

hether you’re relocating from one coast to the other or moving to your first place, changing homes can be hectic, exciting and certainly stressful.

But, relax.

You can eliminate the anxiety associated with moving by taking control of the situation with confidence.

Understanding the market is just part of the story. Knowing what you need and what you can afford is the more important part of the equation. Making a prudent

purchasing decision that doesn’t keep you up at night when interest rates rise or market news becomes the talk of the town is up to you.

Any expert will tell you that buying a home or condo is a longterm commitment. This issue is full of great tips from the experts as well as the latest news designed to help you make a wise purchasing decision.

Along with our community features, which outline the specifics on many fine communities, there’s lots to take in – so kick back, relax and enjoy. You’re in the driver’s seat.

Susan.Legge@wall2wallmedia.com Follow me on Twitter at Twitter.com/SusanLegge

Know your builder – and warranty Understand what’s covered and what’s not

I

WAYNE KARL

EDITOR Wall2Wall Media Wayne.Karl@wall2wallmedia.com Follow me on Twitter at Twitter.com/WayneKarl

08 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

t was about this time last year that parts of Alberta were left reeling from severe rainfall and flooding, and homeowners were learning the hard way about home insurance and new-home warranties.

Indeed, you wouldn’t dream of buying a new car, TV or other big-ticket item without first inquiring about the manufacturer’s warranty. But when it comes to buying a new home, you should be even more diligent.

Some people may be so excited about their purchase that they’re

more interested in choosing finishes than reading the fine print of a sales agreement. Or maybe they assume all builders are created equal, and that certain things are covered, when in fact they may not be. Or it might be a lack of awareness of just how new-home warranties work.

Just like for cars or electronic devices, all manufacturers and products are not created equal. Learning about your new-home builder’s warranty – before the time when you actually may need it – is a crucial part of the homebuying process.

16 AVENUE

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1 CRANSTON AVE. SE

DEVELOPER: Genstar BUILDERS: Cardel Homes, Innovations by Jayman, Excel Homes, Homes by Avi, California Homes, Avi Urban DEVELOPER: Hopewell Residential BUILDERS: Jayman MasterBUILT, Sabal Homes, Stepper Custom Homes, Trico Homes, Homes by Avi ESTATE BUILDERS: Baywest Homes, Calbridge Homes, Morrison Homes www.mahoganyliving.com

IL

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24 STREET

DEE R

04 WALDEN

05 MAHOGANY

52 STREET

BARLOW TRAIL

MORE VOIR

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

52 STREET

MacLEOAD TRAIL

ELBOW DRIV E

BLACKF OOT

TR

03 CRANSTON

SETON BLVD SE

4

DEVELOPER: Mosaic Townhomes: Brookfield Residential BUILDER: Mosaic Townhomes: Brookfield Residential

07 NEW BRIGHTON

DEVELOPER: Brookfield Residential BUILDERS: Shane Homes, 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

10 LEGACY

DEVELOPER: Westcreek Developments BUILDERS: Stepper Custom Homes, Albi Homes, Trico Homes, Excel Homes, Sterling Homes, Creations by Shane Homes

10

01 AUBURN BAY

9

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

02 COPPERFIELD

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

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 09

10 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 11

//SHOWHOME REVIEW

SHANE HOMES’

versatile Tofino popular with buyers in Cranston » by HEATHER RYAN

W

ith a stunning kitchen, luxurious ensuite and beautiful bonus room Shane Homes is giving people features they desire in the Tofino showhome in Cranston.

“The Tofino is one of Shane Homes’ most popular models,” says area manager Michael MacLean, who co-manages this community with Jack Kushner. “The reason for this is that it is so easily customizable with over 20 12 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

standard options to pick from. Homebuyers can also make changes to these options to further personalize the home to meet the exact needs of their family and people love having that choice.”

For example, MacLean says, the standard Tofino is 2,273 sq. ft., but the showhome showcases various options in combination pushing it to 2,449 sq. ft.

One of those options is the deluxe kitchen “people really love the built-in appliances, the cabinets to the ceiling and the large flat surface island, which provides a spacious work area and is sure to be the hub of the party when entertaining,” he says. “They also love the owners’ retreat with the ensuite, the

SHANE HOMES | Tofino

large kids’ bedrooms, and the central bonus room.”

“Perhaps the option that best demonstrates the versatility of this plan is the ability to convert this threebedroom home into four-bedrooms, which is very convenient for families.”

From its richly dark toned hardwood floor on the main, to the towering open to above ceiling at the entry, there is a lot to love about the open plan and contemporary look of the Tofino showhome. The foyer offers plenty of space to greet guests and you’re treated to dramatic views of the second floor and the rear of the home through open rails on the stairs.

Off the entry, is a flex room designed as a convenient private office and down from the entry are a half-bath and a mudroom located off the garage entry with built-in seat and walk-in closet.

The gorgeous kitchen is highlighted by an expansive central quartz-topped flat surface island with dining ledge providing substantial space for food prep and socializing with guests. The kitchen’s espresso-toned cabinetry offers a nice contrast to the ivory quartz countertops and mosaic tile backsplash and there is a built-in wine and glass rack and corner pantry.

A bumped out nook includes a beautiful hutch which is built into a niche matching the kitchen cabinet decor, while the great room features a modern rectangular cosmo fireplace with TV niche above set within floor-to-ceiling tile, creating an elegant, contemporary look.

At the top of the stairs, going around either side of a partial wall is a fabulous central bonus room with a built-in entertainment unit flanked by decorative lit niches and to the right is the handy upstairs laundry room.

The large owners’ suite can easily accommodate king-size furniture, and just off the bedroom a coffee/juice bar separates the spacious walk-in closet from the inviting ensuite that features a corner soaker tub, oversized walk-in shower with floor-to-ceiling tile and dual sinks separated by a make-up counter in a quartztopped vanity.

Down from the bonus room are two large secondary bedrooms with walk-in closets, a main bathroom and a built-in desk in a niche in the hall – providing a convenient spot for kids to do homework.

Shane Homes is now selling the last few of its lots in Cranston, “so it’s really your last opportunity if you want a new home in Cranston,” MacLean says. An Orion showhome is also available for viewing. To learn more about Shane Homes’ lots and models available in Cranston, visit the Tofino showhome, 218 Cranston Gate S.E., open Monday to Thursday, 2-8 p.m., and weekends and holidays, noon-5 p.m. Call 403-536-2318 or visit shanehomes.com.

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 13

//IN THE NEWS

Alberta residential construction GENERATES $17.9B INVESTMENT Alberta’s residential construction economic impact hit $17.9 billion annually, as investment in home building and renovation climbed, according to a new study for the Canadian Home Builders’ Association – Alberta (CHBA – Alberta).

Investment rose more than 17 per cent or $2.7 billion in 2013 over the previous year. The work produced more than 100,000 jobs for Albertans and nearly 25,000 jobs elsewhere in Canada. Wages totaled $7.9 billion.

The value of new home construction reached $9.7 billion while renovation work totaled $6.7 billion. Expenditures such as realty and legal fees added $1.5 billion.

“Builders broke ground on almost 100 new homes a day last year and construction is forecast to rise again in 2014. Buying a new home or starting a major renovation is a giant vote of confidence in Alberta’s future and the strength of the housing market. Unlike many major consumer purchases, most of that investment stays in the local economy,” says Stephen Amonson, president,

CHBA – Alberta.

The new economic impact report for Alberta was prepared by Will Dunning Inc., a consulting firm that specializes in housing market analysis, and is based on actual results for 2013, and includes investment, direct and indirect employment and wages paid.

The report shows almost a fifth of all new homes built in Canada were in Alberta – well above the province’s 11.5 per cent share of the national population – and the highest proportion since 2007.

“The pressure is on Alberta’s housing market with both rents and existing home sales rising fast. New homes are needed to keep prices from rising out of reach of many Albertans, especially first-time buyers. The last thing Albertans searching for a home need are more “new neighbour taxes.” Costs imposed by governments in the form of taxes, levies, permits and fees must be controlled if Alberta is to offer a quality of life that attracts new workers and investment,” says Jim Rivait, CEO, CHBA – Alberta.

//ASK AN EXPERT

WAYS TO KEEP YOUR HOME SAFE WHILE ON VACATION

Q&A

Q&A

ASK AN EXPERT

by HEATHER RYAN

vacation setting and shut off the furnace if you’re away during Q: What can we do to safeguard our home while we’re on ASK AN EXPERT: by HEATHER RYAN the summer months and unplug small appliances, such as summer vacation? your toaster and coffee maker to prevent any problems such as A: “One of the most important things you can do to a short in the system that may arise. safeguard your home, is to shut off the water because if Put your lights on a timer and change the timing so they something happened and a leak developed while you were turn on and off at different intervals to make it look like away you could have a major problem,” says Ron Heggs, you’re home. director of special projects for Shane Homes. “Also it “Before you leave, make sure all the windows are closed prevents any damage from occurring if someone turned on and your windows and doors are locked,” he says, and shut off your outside tap while you’re gone.” the power to your garage door opener to safeguard against It’s also important to have someone – a friend, someone getting in. neighbour or relative – check the home on a regular basis.

If you have an alarm system, test it before you go away “Check with your insurance company as many have it as and inform the security company about your vacation. “Let part of your home insurance policy that someone needs to them know who to contact while you are away in case of an check the home every two or three days to ensure emergency, plus don’t forget to inform your emergency everything is fine while you’re absent.” contact that you’re going away.”

You should also put a vacation stop on your newspaper, Finally, don’t advertise that you’re on Heggs says, and have someone pick up the flyers, mail (if you vacation on e-mails, answering machines still have home delivery) and mow the lawn. “You can even or through your social media accounts – have a friend or neighbour park their car in your driveway so this information could get into the wrong it appears someone is home.” hands, Heggs says.

Inside your home, you can put your hot water tank on a 14 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

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2014-05-08 2:13 PM

//FUNDAMENTALLY SPEAKING

What’s in a new-home warranty? » by WAYNE KARL

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@wall2wallmedia.com

or follow him on Twitter at Twitter.com/WayneKarl

What’s in your new-home warranty? Ideally, that’s a question you’ll never have to answer for real – at least not the hard way, be it fi ling a complaint or, worse, proceeding to a claim settlement.

But, life is sometimes not fair, and despite the best intentions of home builders, things do go wrong. To put it nicely – stuff happens.

Indeed, nearly every new home built has some form of defect, however small. Such is life when you’re building outside, dealing with the elements and working with natural materials.

In most cases, issues get resolved, and builders large and small are getting better at responding to customer concerns.

Still, there are unscrupulous – or worse, illegal – builders that try to circumvent everything from relatively minor registration fees to taxes, all under the guise of “saving you money.”

But when a problem arises, good luck getting it resolved.

That’s why it’s important to ensure your builder is registered with the appropriate new home warranty underwriting body – to provide the peace of mind, as well as to learn what parts of your new home are covered, for how long, and what the steps and procedures for recourse are.

BECAUSE STUFF DOES, INDEED, HAPPEN. TYPICAL FIRST-YEAR CLAIMS INCLUDE THE FOLLOWING:

» PAINT: Inadequate application or coverage » DOORS: Improperly installed or finished » FLOORS: Damaged, cracked or installed with gaps » DRYWALL: Blemishes on walls, ceilings or corners » STAIRS/STEPS: Inadequately built » WATER/MOISTURE: Moisture inside the home » CONCRETE: Cracking » BASEBOARDS: Improperly installed » TRIMS: Improperly installed or finished » CABINETS/VANITIES: Improperly installed or finished You can understand how prevalent such “defects” could be in new homes, and how action is required in many cases. Most times, the matters are resolved without issue.

16 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

HERE’S A MORE DRASTIC EXAMPLE

INVOLVING 23 HOMES FROM ONE BUILDER IN A SINGLE DEVELOP-

MENT. THE CASE WAS IN ONTARIO,

AND THANKFULLY, BACKED BY THE WARRANTY UNDERWRITER:

» After the homes were built, the water table shifted, causing differential soil settlements » The problems arose three to five years after construction » 23 homes were monitored and repaired over five years » 10 homes required major repairs – causing the homeowners to be relocated to hotels for an average of 38 days The cost to the warranty provider to rectify the matter? More than $5 million.

The cost to homeowners? Zero.

The benefit of having the peace of mind of a fully backed warranty?

Priceless.

Do you think that would happen if your home was built by an unregistered or illegal developer?

More and more builders are improving their customer service – as they should. With real estate and new home prices rising, homebuyers, understandably, are increasingly expecting more.

So, what’s in a new-home warranty?

In short, your builder is not just building your home, it’s building a relationship.

How strong is yours?

S P E C I A L

F E AT U R E

SMALL TOWN L i v i n g

Small Town Living... is it for you?

Learn more about Calgary’s surrounding areas Apex Developments (Mountainview in Okotoks)

SMALL TOWN LIVING

Smaller communities offer

WIDE APPEAL » by HEATHER RYAN

T

he appeal of enjoying a peaceful small-town lifestyle with big city amenities close at hand draws many new homebuyers to the wide range of smaller communities that surround Calgary.

A number of people have chosen to move to smaller communities because of the laid-back lifestyle, says Nicole Westman-Jones, marketing manager with Tamani Communities, which is developing Riversong in Cochrane.

“People love being able to step away from the hustle and bustle of the city

Photo credit City of Airdrie

and enjoy weekends in a peaceful environment,” she says. “In Cochrane, they also like being so close to the mountains and enjoy the charm of small town living and the feeling of living in the country, but they have all the conveniences.”

Westman-Jones notes another attraction to the smaller communities is value and affordability – “buyers can often get more for their money.”

Many people choose to move out to smaller communities “because they feel they offer more of a sense of community where they know their neighbours and so there is a feeling of being safer,” says Kent Rupert, economic development team leader for Airdrie, which has grown eight per cent on average for the past 10 years.

Rupert notes that transportation is another factor –

Photo Credit Apex Developments (Mountain View)

People love being able to step away from the hustle and bustle of the city and enjoy weekends in a peaceful environment 18

“getting around the community to shops and other amenities is a lot easier.”

Here’s a brief look at some of the communities outside Calgary that have become popular with buyers.

AIRDRIE

“A big draw for Airdrie is our recreation amenities and shopping,” says Rupert.

“We’re a young, dynamic community that offers full service amenities with a strong sense of community.”

Airdrie is conveniently located along Hwy. 2 just 15 minutes from north Calgary, making it an easy commute. Plus, it offers a full range of available housing styles, from starter and multi-family to move-up and estates that attract a wide range of people from first-time buyers to retirees.

“There is quite a bit of activity in Airdrie,” Rupert says, with new homes under construction in all corners of the city such as Bayside, Baysprings, Canals, Cooper’s Crossing, Downtown, Hillcrest,

Photo credit City of Airdrie

King’s Heights, Ravenswood, Williamstown and Windsong.

Residents can access numerous amenities, such as Genesis Place, which is home to multiple pools, a gym and more, that offer activities for people of all ages.

There are indoor and outdoor rinks and facilities for curling, BMX riding, tennis, soccer, baseball, skateboarding, plus Airdrie is home to the Woodside Golf Course, and 94 km of paved pathways linking playgrounds, parks and school sites.

Residents also have a vast range of small and large retail outlets, such as Wal-Mart Supercentre, Superstore, service centres, coffee shops, restaurants and schools, all at their doorstep.

OKOTOKS

“Okotoks is definitely one of the best communities to live, play and work in terms of location and quality of life,” says Alexandra Ross, economic development specialist for Okotoks. “Okotoks is a very active and safe community, offering extensive recreational activities, parks and pathways, as well as culture rich programming, along with stunning views of the Rocky Mountains and rolling Foothills.

“With almost 27,000 people living here, it provides all the amenities, like accommodation, shopping, dining, services and products one can usually find in larger urban areas right at your doorstep, in addition to a variety of schools, health care and business opportunities,” she says.

Small boutiques, restaurants, coffee shops with patios, an art gallery, museum and a performing arts centre downtown provide the small-town feel, while larger-scale retail offerings on the outskirts provide big-city conveniences.

Located just 15 minutes from south Calgary, Okotoks offers residents a quick commute to the big city and it enjoys close proximity to Kananaskis Country.

Homebuyers can find a wide range of housing choices in the newest subdivisions: Cimarron Estates, Drake Landing, MountainView and Ranchers Rise at Air Ranch, as well there are some lots still available in Sheep River Cove and Westmount Estates.

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 19

COCHR ANE

A major draw for buyers to Cochrane is “that it has all the amenities of a big city yet it offers the tranquil quality of life they’re looking for – great open spaces for children to play with lots of pathways, recreation facilities, first-rate schools and beautiful views of the Bow River,” says economic development manager Mike Korman.

“Small communities in general offer a great, laid-back lifestyle and are a great place to raise a family,” he says, noting that Cochrane offers friendly, small-town charm that has made it a community of choice for many homebuyers.

Located in the foothills along the beautiful Bow River, with magnificent views of the Rocky Mountains, Cochrane is located just 15 minutes from northwest Calgary.

The variety of housing styles attracts people of all ages, and there are a number of new neighbourhoods being developed, including Fireside, Heartland, Heritage Hills, Jumping Pound, Riversong and Sunset Ridge.

The town has had a steadily increasing population, and the 2014 municipal census boasts an official population of 20,708 residents.

Residents appreciate having the convenience of large retailers and restaurant chains, combined with trendy eateries and boutiques including the famous MacKay’s ice cream in Cochrane’s historic downtown.

HIGH RIVER

“High River is a great place to build a life – we have excellent educational opportunities, three grocery stores and our amenities continue to grow,” says communications manager Joan Botkin. “There are several business developments on the horizon and a new subdivision is currently in the approval process.

20 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

Photo credit City of Airdrie

Along with the construction of many new homes within the community, there has been a boom in commercial development.

“High River offers all the amenities while maintaining the small-town lifestyle,” she says. “The town offers a wide variety of recreation, cultural and arts programs that appeal to a diversity of interests.”

Located 30 minutes south of Calgary on Hwy. 2, High River is known for its caring, warm and friendly character and is continuing its rebuilding and renewal since the June 2013 flood in the commercial area with shops, boutiques and restaurants reopened and with new homes going up.

The community offers a wide range of amenities, including a golf course, tennis courts, the Bob Snodgrass Recreation Complex with two arenas and an indoor pool, and the Cargill Field House, which offers indoor playing facilities.

“Our greenspaces are being remediated and are beautiful jewels scattered throughout the community,” Botkin says, adding that “with the completion of the dikes, (approximately seven km), our town is more protected than ever from high water events.”

STR ATHMORE

Strathmore may have been established way back in 1883, but it has become a young, progressive community that continues to grow with new commercial and residential opportunities.

“People are attracted to Strathmore because we are affordable, friendly and have all the amenities of a big city, yet we’ve kept that small town appeal where you can walk down the street and bump into people you know,” says Linda Nelson, Strathmore’s deputy CAO. Among the amenities residents find attractive include the aquatic centre, indoor arena, library, curling rink, tennis courts, golf courses, rodeo grounds and

Photo credit City of Airdrie

numerous parks and pathways, including a pathway that links Strathmore to scenic Eagle Lake.

Another attraction for Strathmore is its proximity to Calgary – it’s about a 25-minute drive to the city on the TransCanada Hwy., making commuting easy.

Much of the community’s growth has occurred in the last few years with homes under construction in new neighbourhoods such as Hillcrest Manor Estates, Strathmore Lakes Estates, Wildflower Ranch and The Ranch.

Along with the construction of many new homes within the community, there has been a boom in commercial development. A new commercial development is under construction and a revitalization of the downtown is underway.

CHESTERMERE

Presenting unparalleled recreational opportunities created by living near a lake and a laid-back lifestyle adds to the small town appeal of Chestermere.

Located east of Calgary, just 20 minutes to downtown, Chestermere is connected to Calgary via the

TransCanada Highway and Calgary’s 17th Avenue S.E., making it a convenient location for commuters.

Boating, waterskiing, sailing, windsurfing, skating and golf are among the many activities residents enjoy, plus there are plenty of parks and playgrounds and a pathway system.

Chestermere has grown in recent years with the development of new subdivisions that offer an array of housing choices and the addition of new shops and services providing local conveniences for residents.

LANGDON

Langdon is a quiet, pedestrian-friendly place that offers a small-town feel and sense of community with relaxing in parks and pathways and recreational opportunities.

It’s attractive to people who want to live in a small community away from the hustle and bustle of the big city, yet be close to the city for work and shopping.

Langdon is an easy commute, located just 16 km east of Calgary and about a 12-minute drive to the Foothills Industrial Park.

Langdon greets new-home buyers with a welcoming blend of the past and the present. The commercial area reflects its pioneering past while neighbourhoods offer a wide range of stylish new home designs.

PRIDDIS

Nestled in the foothills of the Eastern slopes of the Rocky Mountains, Priddis is a perfect retreat from the hustle and bustle of the city, boasting rolling hills and spectacular scenery where nature is at the doorstep – you’ll often see deer strolling through the yard.

Priddis is approximately 10 km west of Calgary so work, shops, services and restaurants in the city are just a short drive away.

Due to its proximity to Calgary, the Priddis area is becoming increasingly popular for commuters to live and enjoy the glorious vistas and tranquil lifestyle. It offers a picturesque estate area and is home to the Priddis Greens Golf & Country Club.

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 21

SMALL TOWN LIVING

//COVER STORY

APEX’S MOUNTAINVIEW offers picturesque natural setting » by HEATHER RYAN

S

ituated 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 of 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 has quickly become the sought-after address in Okotoks, and sales have been excellent in our first two phases and a new phase has just recently been released, which features cul de sac 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 22

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 sit and enjoy the views,” she adds.

MountainView is comprised entirely of single-family homes creating a family-friendly, small-town atmosphere

APEX DEVELOPMENTS | MountainView

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 high $400,000s and include lot and GST. The builders have two showhomes each on parade located in Phase 1, with a new showhome parade opening in September.

Lots throughout the community are a minimum of 36 ft. wide, with several lots sized up to or wider than 46 ft., providing buyers with a great mix to choose from.

“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 JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 23

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

See ad of a particular project for more details.

OKOTOKS AIR RANCH

YSTAL SH OR ES RD.

BANN

R.

ISTER CR GATE

ID GE D

SANDSTONE DR. MOUNTAINVIEW GATE

338 AVE. E.

2A

NO RT HR

SMALL TOWN LIVING

8

1 7

OKOTOKS

549

CRYSTAL RIDGE GOLF CLUB

MILLIGAN DR.

3 32 ST. E.

2A

WEST

370 AVE. E.

02 CIMARRON

DEVELOPER: Tristar Communities BUILDERS: Excel Homes, Trico Homes, Cedarglen Homes, Coco Homes, Today’s Homes, California Homes, Assured Homes

03 DRAKE LANDING

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

24

RO N TR A I L

2B

N

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

6 4

SOUTHRIDGE DR.

WESTLAND ST.

2A

D R.

CIMARRON BLV D.

RI

DG E

CIM

549

›› OKOTOKSCOMMUNITIES

LVD.

7

04 WESTMOUNT

2A

DEVELOPER: Prominence Development Corp.

BUILDERS: Cornerstone Homes, Gramercy Homes, Carpenter Homes

06 THE HILL IN WESTRIDGE DEVELOPER: Qualico BUILDERS: Sterling Homes

07 CRYSTAL RIDGE

DEVELOPER: United Communities BUILDERS: Sterling Homes, Baywest, Crossley Homes

08 MOUNTAINVIEW

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

01 BAYSIDE ESTATES 3

7

VETERANS BLVD

VETERANS BLVD

DEVELOPER: Genesis Land Development Corp.

BUILDER: Genesis Builders Group, McKee Homes, Coco Homes, Sovereign Homes www.genesisland.com

02 WINDSONG

1ST AVE

SMALL TOWN LIVING

›› AIRDRIECOMMUNITIES DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 REUNION

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

EAST LAKE

04 KING’S HEIGHTS

DEVELOPER: Melcor BUILDER: Jayman MasterBUILT, Loreck Homes, McKee Homes, Reid Built, Shane Homes

NOSE CREEK

05 RAVENSWOOD

1 YANKEE VALLEY BLVD

YANKEE VALLEY BLVD

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

06 COOPERS CROSSING 2 NOTE: Map is just a graphic representation of areas of developments.

See ad of a particular project for more details.

5

6 4

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

07 WILLIAMSTOWN 8

DEVELOPER: Vesta Properties BUILDERS: Douglas Homes, Talisman Homes, Vesta Homes

08 HILLCREST

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

25

SMALL TOWN LIVING

GETTING MORE FEELS GOOD. Innovations homes are built to give you more space without having to spend more money. When your home is that much bigger than you expected, the sky looks bluer, the sun seems brighter, and your TV seems, well…you might need a new TV.

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SMALL TOWN LIVING

27

SMALL TOWN LIVING

//COMMUNITY PROFILE

Buyers come home to tranquil lifestyle in

MONTROSE IN HIGH RIVER » by HEATHER RYAN

yle ose rs to ties

N

ew-home buyers who desire a tranquil lifestyle where they kick back and enjoy stunning mountain views and lush greenspaces are coming home to Montrose in High River.

Crafted by Dream Development, Montrose in High River is an award-winning community – it won the SAM Award for Community of the Year – Calgary Region in 2011 – and a master-planned community with high architectural standards, featuring homes that present a Prairie/ Mountain style that reflects the area.

“Montrose is a perfect fit for High River, which prides itself on its small-town feel and hospitality,” says Cheryl Heilman, marketing for Calgary Land. “What I love about High River is it’s self-contained – it has everything there for a family to have a wonderful life.

Prospective buyers will also love that estate home prices in High River are about $300,000 cheaper than Calgary.

“In Montrose, residents can enjoy beautiful mountain views, lush parks, the High River Tennis Club, the Little

n to se of

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28

Bow River and a 16-acre linear pond that runs throughout the community with pathways around it so you often see people out walking and biking,” she says.

“Also within the community, there is a High River Co-op grocery, liquor store and gas bar. Across the street there is a high school and the Bob Snodgrass Recreational Centre.

Local golf courses and the High River Hospital are five minutes away.”

Montrose is perfect for residents who want to enjoy a healthy, active lifestyle. Besides the tennis courts and greenspace in the community, there is a major recreational centre across the road that has a swimming pool, ice arena, indoor soccer and other recreational activities, Heilman says.

Currently, homeowners can choose from several different styles of front-attached garage homes built by Lifestyle Homes and Westview (Red Door) Homes that range from 1,100 to 2,800 sq. ft.

Lifestyle Homes is crafting estate homes on 50-ft. lots that back onto the pond and start in the $650,000s, while Westview is building two-storey

homes priced from the $440,000s.

Buyers can view the various home styles and sizes by visiting the Westview showhome, or checking out Lifestyles’ spec homes that offer quick possessions.

Dream also has pond lots for sale, where individuals can bring their own builders.

“We’ve released 53 new lots in our new phase and we’re currently offering a $17,000 lot reduction,” Heilman says.

Dream Development is also excited about its new contest – buyers who purchase from now until Oct. 31 are eligible to enter for a chance to win the $50,000 grand prize. For more information on the contest, visit dream50k.ca.

Montrose is located minutes from an array of amenities in High River, 25 minutes from south Calgary along Hwy. 2 and offers proximity to Kananasksis Country.

Whether you’re buying your first home, looking to move up or seeking the luxury of estate living – Montrose is a community that you can come home to. For more information on Montrose in High River, visit escapethecity.ca

High River

home your money can buy in Montrose

SMALL TOWN LIVING

See how much

ME HO

Y A NEW BU

ENT

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R

TO

WIN

When you purchase your new home between May 12, 2014 and October 31, 2014, you will be entered for a chance to win $50,000 cash!* Montrose is a master planned community a short commute from south Calgary. High River is back to being a vibrant and beautiful town which continues to grow and flourish. Come and see how much your dollar

HIGH RIVER

5 St SE

1 St SE

Centre St

12 Ave SE

Calgary

can buy in this award winning community.

2

FRONT GARAGE

ESTATE HOMES

from the

from the

$

440s

$

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SHOWHOMES NOW OPEN 1514 MONTEITH DRIVE SE, HIGH RIVER; MON-THURS: 2PM - 8 PM, WEEKENDS: NOON - 5 PM *No purchase necessary. Some conditions apply, more info at

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403.245.3515

29

SMALL TOWN LIVING

›› 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 OKOTOKS

2A

543 22

HIGH RIVER HIGHWOOD LAKE

DEVELOPER: WestView Builders BUILDER: WestView Builders

HAMPTON HILLS

BUILDERS: WestView Builders

MONTROSE

DEVELOPER: Dundee Developments BUILDER: Lifestyle Homes, Red Door Homes

PRIDDIS 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

30

2

HIGH RIVER

BLACK DIAMOND RIVERWOOD

DEVELOPER: Riverwood Estates Inc. BUILDERS: Sheep River Homes, Woodmaster Homes

RIVERWOOD ESTATES

BUILDERS: Compass Rose Homes, Sheep River Homes

HERITAGE POINTE ARTESIA AT HERITAGE POINTE

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

SMALL TOWN LIVING

HW

HORSE CREEK RD.

Y. 2

2

FROM THE LOW

HW

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CALGARY COCHRANE

31

SMALL TOWN LIVING

//COMMUNITY PROFILE

32

RIVERSONG

in Cochrane offers laid-back lifestyle by the Bow » by HEATHER RYAN

N

estled along a heavily treed escarpment with the Bow River at the doorstep and offering a tranquil, laid-back lifestyle, it’s easy to see why buyers are choosing to make a home in Riversong in Cochrane.

Crafted by Tamani Communities, Riversong is a master-planned community situated on more than 340 acres with approximately 100 of those acres set aside as an environmental preserve, ensuring an abundance of greenspace for everyone to enjoy.

“The biggest appeal to Riversong is the lifestyle,” says marketing manager Nicole Westman-Jones. “Once people come into Riversong, they love the look and feel of the community; it’s very peaceful and in Riviera homes back onto the treed escarpment and Bow River, so it’s a beautiful natural setting. The location also provides fabulous views of the escarpment, the Rockies, Bow River and the town of Cochrane.”

Riversong’s beautiful natural setting and diverse range of housing product is attracting a great deal of interest, from first-time buyers to those seeking luxury.

The release of Phase 5 last spring provided even more choices for buyers, with lots close to park space and pathways, and choices of laned, single front-drive and semi-detached lots.

In Phase 5, Innovations by Jayman and Trico Homes are building semi-detached homes; Innovations by Jayman is building single- and double-front drive homes; and Sabal Homes and Trico are offering laned homes. There are 10 showhomes open in Phase 5 and homes start in the $340,000s including lot and GST. “We’re also now selling in Phase 6, offering the same product type and group of builders, but also Innovations by Jayman is selling townhomes in this phase and just started construction,” Westman-Jones says. “This is actually the last phase in Riversong where we’re selling starter product,” so buying should act quickly to get the home and lot they want.

In Phase 8, called Riviera, Jayman MasterBUILT and Trico Homes are “crafting estate front-drive homes that back onto the Bow River,” she says. “Starting at $520,000 these are affordable homes with lots that either face a park, trees or the river. We also have front-drive Villa and Manors by Jayman that start in the $620,000s and immediate possessions are available.”

Tamani has six showhomes in Riviera and will have new showhomes opening in the fall by the same builder group.

There are also a limited number of lots backing onto the river now selling in this phase.

Buyers in Riversong appreciate that more than 40 per cent of the community is greenspace, including natural parks, tot lots and pathways linked throughout the community. They are also drawn to other established amenities such as the Bow Valley High School and the pedestrian bridge that crosses the Bow River and connects the community to downtown Cochrane.

“We’ve developed a pathway system along the river that leads to the pedestrian/bike bridge,” Westman-Jones says, noting it’s about a 10-minute bike ride or a 20-minute-plus walk to Cochrane’s downtown. “We have also developed our second park, a pond along the waterfront and pathways throughout the community.”

Riversong’s convenient location south of the Bow River and east of Hwy. 22 means it’s an easy 20-minute drive to Calgary’s west side or the mountains, and just minutes to downtown Cochrane where residents can enjoy an array of shops, restaurants and services.

For more information on Riversong and Riviera, visit the showhomes, open Monday to Thursday, 2 to 8 p.m., and weekends and holidays, noon to 5 p.m., or visit riversongcochrane.com and rivieracochrane.com Join Riversong on Facebook for up-to-date community events and openings.

RA

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

See ad of a particular project for more details.

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01 HERITAGE HILLS

05 MONTERRA ON COCHRANE LAKE

02 JUMPING POUND RIDGE

06 WESTPOINTE ESTATES

DEVELOPER: Harmony Park BUILDERS: Stepper Custom Homes, Trico Homes, www.jumpingpoundridge.com BUILDERS: WestView Builders, Kingsmith Homes

03 SUNSET RIDGE

DEVELOPER: Melcor BUILDERS: Jayman MasterBUILT, Innovations

by Jayman, Janssen, Calbridge, Landmark Homes, Excel Homes, Homes by Avi

04 RIVERSONG

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

DEVELOPER: Medallion Development Corp.

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

DEVELOPER: MGM Developments.

BUILDERS: Mapleland Homes, Kingsmith Homes

07 FIRESIDE

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

08 HEARTLAND

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

33

RANGE RD 40

HORSE CREEK RD.

NG

1A

SMALL TOWN LIVING

›› COCHRANECOMMUNITIES

1A

SMALL TOWN LIVING

ANE

›› CALGARYREGIONEAST CHESTERMERE CHESTERMERE

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

See ad of a particular project for more details.

2

4

1

1

CALGARY

CHESTERMERE 797 LANGDON

22X

22X

PRIDDIS

HERITAGE POINTE

LAKEPOINTE

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

GLENMORE

1 AV. N

RAILWAY AV.

34

2 AV. S

2 HANSON DR.

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

STRATHMORE T HE RANCH IN STRATHMORE

DEVELOPER: United BUILDERS: Lifestyle Homes

WILDFLOWER RANCH IN STRATHMORE

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

1 AV. S

LYALTA

ULM ST.

McCANN ST.

CENTRE ST.

RAILWAY CR. RAILWAY AV.

LLOYD CR.

DOUGLAS AV.

3 ST. E

2 AV. N

HANSON WAY

LAGDON ODDFELLOW HALL

COLWELL ST.

NEWTON ST.

2 AV. N

WENSTROM CR.

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

02 H ANSON PARK

WELSHIMER CR.

LANGDON PARK

WHITNEY ST.

COPELAND AV.

COWAN ST.

MAIN STREET LAGDON VANDERVELDE PL.

COPELAND AV.

ANDERSON AV. WILSON RD.

BOTSFORD ST.

BARBER ST.

THOMAS ST.

LANGDON SCHOOL

HENDERSON RD.

HENDERSON CL.

HENDERSON BY. WILSON RD.

BRANDER AV.

CENTRE ST.

MCDOUGALL ST.

NESBITT AV.

CRILLY CL.

MOE AV.

1AV.

TRAIL NESBITT CL.

BESSE AV.

McKINNON ST.

01 B OULDER CREEK

797

HANSON HOLLOW

TRAIL

RAILWAY AV.

RGE RD 27

HIGH RIVER

ARBOGAST ST.

LANGDON

2A

543

560

KINNIBURGH

DEVELOPER: Pollyco Developments BUILDERS: Stepper Custom Homes, Canterra custom homes, Sterling Homes, Lifestyle Homes, Douglas Homes, Westridge Fine Homes, Broadview Homes UILDERS: Prominent Homes B Douglas Homes, Klair Custom Homes Prominent Homes, Mapeland Homes

OKOTOKS

22

SHORES ON WESTMERE

DEVELOPER: Melcor BUILDERS: Homes by Avi, Albi Homes

04 B UFFALO HILLS (coming soon)

2

BLACK DIAMOND

ER VALLEY

WESTMERE

DEVELOPER: Melcor BUILDERS: Landmark Homes, Lifestyle Homes, Reid Built Homes

STRATHMORE

3

DEVELOPER: Truman Developments BUILDER: Jager Homes, Lifestyle Homes, Beattie Homes, Lionsworthe Homes, Douglas Homes

1

03 T HE LAKES OF MUIRFIELD

UILDERS: Douglas Homes, Today’s B Homes, Ribero Homes and Compass Rose Homes

BAN

EN

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7

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COACH ROAD

02 CURRIE BARRACKS

BUILDERS: Birchwood Properties, Crystal Creek Homes, Home by Avi, Empire Custom Homes, Mission Homes, Greenboro Estate Homes, Greenboro Luxury Homes, Evolution by Greenboro, and Avi Urban

16 AVENUE

05 SPRING VALLEY

DEVELOPER: Legend Developments

BOW TRAIL

MEM

ORI

13

07 PASKAPOO IN COUGAR RIDGE

2

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

BLACK FOOT TRAIL

ELBOW DRIVE

5

10

10 ELMONT BAY

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

12 DRESSAGE IN SILVERADO

DEVELOPER: Qualico Communities BUILDERS: Baywest Homes, Augusta Homes

MACLEOAD TRAIL

GLENMORE RESERVOIR

SOUTHLAND DRIVE

13 WESTLAND ESTATES

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

15 WEST GROVE ESTATES

ANDERSON ROAD

BOTTOM TR

24 STREET

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

See ad of a particular project for more details.

06 CRESTMONT

DEVELOPER: Qualico BUILDERS: Augusta Fine Homes, NuVista Homes

17 AVENUE

37 STREET

17 AVENUE

SARCEE TRAIL

14 AVENUE SW

69 STREET

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

FISH CREEK PARK MCKEVITT JAMES

FISH CREEK BLVD

SHAWNESSY BLVD.

MA IL

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12

SHERIFF KING STREET

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CLE

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37 STRE

162 AVENUE

S PRUCE MEADOWS HWAY

15

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›› SOUTHWESTCOMMUNITIES

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 35

36

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S

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HILLS BLVD. DD

DT RA IL

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18 16 AVENUE

ROAD

BOW TRAIL

Developer: Birchwood Properties

02 ROYAL OAK Builders: Birchwood Properties DEVELOPER: Birchwood Properties BUILDERS: Properties Hanson Ranch 10 Birchwood

17 AVENUE

37 STREET

05 NOLAN HILL SARCEE TRAIL

DEVELOPER: Genstar BUILDERS: Homes by Avi, Cardel CityLife Homes, 9Landmark, Excel Homes, Showhomes: 2003 20th Ave. Arcuri Homes

69 STREET

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

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

13 WATERMARK AT BEARSPAW

DEVELOPER: Macdonald Development Corporation BUILDERS: Astoria Homes; Albi Homes, Trickle Creek Homes, Wolf Custom Homes www.watermarkatbearspaw.com

14 EVANSRIDGE

DEVELOPER: Dundee Developments BUILDERS: DS Homes, Homes by Avi, Genesis Builders Group, Landmark Homes, Morrison Homes, Innovations by Jayman, Westview Builders, Stepper Custom Homes, Calbridge Homes, Excel Homes

15 ROCK LAKE ESTATES

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

17 SHERWOOD

85 STREET

COACH

IN

CENTRE STREET

JO

DEVELOPER: Melcor BUILDERS: Shane Homes, Reid Built Homes, Landmark Homes, Homes by Avi

12 BEARSPAW WILLOW CREEK BE

AI CH IL

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group, Passion Homes, Reid Built Homes, Today’s Homes www.genesisbuildersgroup.com

11 VALLEY POINTE ESTATES

TR

SA RC EE

SH AG ANNAPI

TR AIL

DR IV E

N OS EH

I LL

RAIL YT S TONE Y TRAI L

STO NE

CR OW

O

EST HILLS

D

3

RV HA

TRAIL EE SAR C

PANORAMA ROAD

ROCKY RIDGE ROAD 12 COULEE MILE ROAD

9 A

8

RO

BEARSPAW ROAD

EY

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

See ad of a particular project for more details.

BANFF

AIL

5 Kinkora Glen Rd. NW

16

OL D

llside Estates

scany Estates Rise NW ma ark Homes | Albi Homes

17

2

11

erwood Crescent NW

14 10

L

13

ghts

SYMONS VALL

ROCKY B

15

esis Development Corp. ic Homes

gulf Cidex Homes/Intergulf Cidex

128 AVE.

6

COUNTRY HILL S BLVD. LV R ID GE D

28 Sherwood Blvd.

4

AIL TR

12

5

PI AP

1A

10 SAGE MEADOWS

144 AVE. NW

AN AG SH

HW Y

WOODLAND ROAD

›› NORTHWESTCOMMUNITIES

DEVELOPER: United Communities BUILDERS: Homes by Avi, Morrison Milano Homes,11 Shane Homes, Sterling Showhomes: Panatella Hill NW Homes, Today’s Homes,99Trico Homes, Trico Homes Creations byBuilders: Shane Homes, Jager Homes www.nolanhillunited.com

DEVELOPER: Melcor BUILDERS: Shane Homes, Homes by Avi, Genesis Builders Group

18 MOUNT PLEASANT

BUILDER: Landmark Homes www.landmarkgroup.ca

06 BEACON HEIGHTS Showhomes: Hidden Creek Blvd. NW 03 EVANSTON DEVELOPER: Intergulf Cidex Developer: Cedarglen Homes | Cardel Homes

esis Land Development Corp. | x Developments on Homes | Majestic Homes | Homes | Centrex Homes

DEVELOPER: Qualico Builders: Genstar BUILDERS: Broadview, NuVista, Trico Homes, Pacesetter Homes, Sterling Homes, Jayman MasterBUILT

04 SAGE HILL

BUILDERS: Excel Homess, Trico Homes, Morrison Homes, Discovery Homes, Baywest Homes, Homes by Avi

BUILDER: Trico Homes, Intergulf Cidex

08 KINCORA

DEVELOPER: Melcor BUILDER: Excel Homes

09 EVANSVIEW

DEVELOPER: Genstar BUILDERS: Cardel Homes, Acuri Homes

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 37

//CHOOSING A BUILDER A Northwest Community

TIPS FOR CHOOSING A

new-home builder Canada Mortgage and Housing Corp. (CMHC) offers the following tips on how to find and select a new-home builder that will meet your needs and expectations:

Moving Day Has A Whole New Meaning When You've Won $50,000.

When you purchase your new home between May 12 and October 31, 2014, you will be entered for a chance to win $50,000 cash!*

Situated in vibrant Northwest Calgary, EvansRidge offers something for

To begin your search, check the Homes section of your local newspaper to find out which companies are building in your area, the types of homes they offer and the prices you can expect to pay. (Editor’s note: New Home Guide is a great place to start!) Ask friends, family members and co-workers for names of reputable builders they have dealt with. You can also check the web sites of home building associations or warranty providers.

When you visit a builder, ask how long they have been in business, how many homes or communities they build each year and what kind of background and experience they have.

Make sure the builder belongs to an industry organization and has the licences and registrations required for your province.

Ask for references, and contact them to find out if they are satisfied with the homes they bought and the service they received.

Once you have narrowed down your list, visit the builders’ models. Go through each one in detail, carefully noting down what you like and what you don’t. Take your time, and if you feel you don’t know enough about construction, bring someone with you who does.

everyone. From beautiful starter and move-up homes, to executive estate homes, and everything in between. Choose from 9 trusted, reputable builders and several new phases to get you the home your family needs to grow. Bus service now available in EvansRidge.

TOWNHOMES from the

FRONT GARAGE from the

$ $

340s

REAR LANE GARAGE

480s

RIDGE HOMES

$

from the

from the

$

400s 900s

NEW SHOW HOMES NOW OPEN

BY DS HOMES, WESTVIEW & EXCEL Hours: Mon - Thur 2pm - 8pm, Sat, Sun & Holidays Noon - 5pm.

Please visit our website for maps and addresses of our show homes.

403.245.3515 *No purchase necessary.

Some conditions apply, more info at

www.dream50k.ca 38 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

Read through each builder’s website and other information materials to get a clearer picture of the company and what they have to offer. If possible, request a tour of a work site to look at a community that is currently under construction.

If you’re considering buying in a new development, go on a tour of the community or take a close look at the master plans.

Ask yourself if this is the type of community where you could see yourself living or raising a family for years to come.

Always bring a notebook or even a camera with you. Ask as many questions as you can think of, and write down the answers to review later. After all, you’re choosing the place your family will call “home” for the next fi ve, 10 or perhaps many more years.

For more information or a free copy of the About Your House fact sheet, Selecting a New Home Builder, or for information on any other aspect of owning, maintaining or buying a condo, visit the website at cmhc.ca or call CMHC at 1.800.668.2642.

NO Wa InD you

“Cm

Ed lin cat beg

-TL

//CALGARYISM

EvansRidge is in its final phases of development! » by CODY BATTERSHILL

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

Calgary’s northwest quadrant has experienced considerable growth over the past few years.

Leading the charge are established, but continually developing neighbourhoods such as Evanston and its subdivisions.

EvansRidge for example, one of Evanston’s highly desirable subdivisions, launched only a few years ago in 2011 and has just two phases of development to go before its completion.

Much of its success is contributed to the wide variety of real estate found in its 150-acre area including: » Street townhomes » Front-attached garage single-family » Rear-laned single-family » Luxury estate homes As you surely know, a wide range of home styles also means difference in pricing, another key factor that has led to the success of EvansRidge and Evanston as a whole.

REMAINING OPPORTUNITIES IN EVANSRIDGE The good news is that buyers still have the opportunity to purchase new in EvansRidge.

According to the developer, several new ride walk-out lots are being released, accompanied by a brand new townhome project by Jayman Modus called Avira, featuring: » 100 townhome units » Two- and three-bedroom floorplans » From 1,200 sq. ft. and up » Starting at low $300,000s » Single, double car heated garages In addition, some of Calgary’s best home builders who have already been

involved in Evanston, EvansRidge and Evans View, are set to build both single-family and multi-family developments.

They include: » Calbridge Homes » DS Homes » Excel Homes » Innovations by Jayman » Landmark Homes » Morrison Homes » Stepper Custom Homes » WestView Homes LOCATION New home and pricing opportunities are only two of the appealing factors of EvansRidge.

While some may think its outer-city location is inconvenient, others have said that Evanston and its subdivisions enjoy “inner city like” amenities, as countless businesses, services and food establishments are all found very close to home at Beacon Hill, Coventry Hills and Creekside shopping centres.

Downtown commuters could spend about 20 to 30 minutes getting one way, depending on traffic, while a trip to the Calgary International Airport or Cross Iron Mills outlet mall is much less.

And, for frequent visitors to the Foothills and Rocky Mountains west, escaping the city is as easy as it gets with no traffic line-ups on an easy-to-follow route through Cochrane.

A route that includes the new Stoney Trail ring road that when completely finished will give EvansRidge homeowners easy access to the rest of the city.

All in all, the very desirable features of EvansRidge are hard to deny for any home buyer looking for that next best place to live in Calgary’s northwest.

Will you make the move to EvansRidge before it’s too late?

JOIN US Are you looking to learn more about the city you live in? If so, we invite you to join us at Calgaryism on Facebook, Instagram and Twitter today for more on local activities, restaurants and other fun things to do with our awesome city. We hope to see you there!

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 39

//INSIGHT

LANDSCAPE LIGHTING Âť by BRAD JACKMAN

Landscape lighting is a phenomenal way to enhance your outdoor space and bring your yard and nature to life. It provides your space with beauty, safety, balance and serenity. The ambient glow of landscape lighting sets the mood for your yard. You can create a tranquil private oasis or light up that outdoor room for entertaining. Landscape lighting is unobtrusive, and when installed professionally, will not create

an unwanted glow. When designing an outdoor lighting system, specific measures are taken to insure that your home will not feel like a light bulb everyone is staring at. Featured plant life, patios, garden beds, retaining walls, boulders, water features, architectural aspects of your home, pathways and decks, can all be incorporated into your lighting design. Lighting designs can be customized to complement any

landscape. The window of enjoyment for most yards in our climate is small; lighting brings life to your yard in all seasons. It provides a calming atmosphere to your landscape which is utilized and enjoyed all year.

Landscape lighting is installed as a 12-volt system. The installation of the wire for this low voltage system is relatively easy. The wire does not need to be buried two feet down, as most

Landscape 360. Professional Landscape Construction.

40 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

“ The ambient glow of landscape lighting sets the mood for your yard.”

outdoor electrical. In sections were the wire is running under turf, it needs to be deep enough to not interfere with an aerator. When the wire is in all other areas, it should not be visible. All wiring is safe for pets and children, and if tampered with will not be harmful.

Each individual fixture runs off a main transformer, to supply the power source for each light. These transformers can be plugged into an outdoor socket or have their own power run from inside.

Transformers can be equipped with 403.452.0360 | landscape360.ca |

timers and photocells to allow for an automatic lighting schedule. Once the installation of your system is complete, there is very little maintenance to keep it operating. Recently, LED technology has brought many improvements to the lighting industry. This technology allows your system to run off extremely low power, and LED fixtures don’t need bulb replacement for at least 10 years.

Your options for lighting include accent, pathway and spread, deck and patio, water and many specialty fixtures. It is

exciting to explore the options for outdoor lighting. There are many ideas, styles and products, and it pays to explore all your options carefully.

When deciding which landscape company to hire, it’s beneficial to do your research. Ask to see their portfolio, view their website and look into some of the products yourself. Most importantly, ask lots of questions. Landscape construction can be done very different.

Hire a company which uses quality equipment, utilizes the best products available and installs everything professionally. Landscape 360 is a full-service landscape construction company. Our philosophy is based upon professionalism, quality, trust and respect. A locally owned and operated Calgary based company, Landscape 360 specializes in residential, estate and acreage landscape construction.

like us on facebook JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 41

42

PANORAMA ROAD

STONEY TRAIL

4 3

52 STREET

HARVEST HILLS

METIS TRAIL

MONS VALLEY ROAD

›› NORTHEASTCOMMUNITIES COUNTRY HILLS BLVD.

IN

GT

TR

AI

NAP I TR

AIL

ON

80 AVENUE

1

IE

BL

VD

32 AVENUE

14 STREET

.

64 AVENUE

MCKNIGHT BLVD.

68 STREET

UR

CENTRE STREET

LA

64 AVE.

FALCON RIDGE

SHA GAN N

L

2

CALGARY INTERNATIONAL AIRPORT NOSE HILL PARK

OH

68 STREET

ER FO OT

DD

DE

BE

36 STREET

TR AI

L

5 COUNTRY HILLS BLVD.

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

02 SADDLEBROOK

05 CITYSCAPE

DEVELOPER: Genesis Land Development Corp.

BUILDERS: Genesis Builders Group www.genesisbuildersgroup.com DEVELOPER: MLC Land Company BUILDERS: Elite Homes, Pacesetter Homes, Trico Homes

DEVELOPER: Qualico Communities BUILDERS: Broadview Homes, NuVista Homes, Pacesetter Homes, Innovations by Jayman, Trico Homes DEVELOPER: Mattamy Homes BUILDERS: Mattamy Homes

03 SKYVIEW RANCH

DEVELOPER: Walton Development and Management BUILDERS: Creations by Shane Homes, Innovations by Jayman, Beattie Homes, Morrison Homes, Excel Homes, Shane Homes, Pacesetter Homes, Lionsworthe Homes

JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 43

//IN THE NEWS

Stampede Rotary Dream Home

A FEAST FOR THE EYES » by HEATHER RYAN

T

aking inspiration from food, gathering and entertaining, the 2014 Stampede Rotary Dream Home was a feast for the eyes for thousands of people who toured the home during the 10 days of Stampede and bought tickets for a chance to win this fabulous two-storey.

Crafted for the 19th year by Homes by Avi, this year’s Stampede Rotary Dream Home really emphasized the kitchen as the heart of the home, says Michael Jacobson, director of product development, Homes by Avi. “The home was really designed around the chef ’s kitchen and we designed it as a place where people could gather, socialize and entertain,” Jacobson says. “It has a French Bistro commercial kitchen look and a black and white motif giving it a contemporary feel.”

The focal point was the expansive island made of Caesarstone that also included a solid wood butcher’s block and it was highlighted by hanging pots overhead.

Homes by Avi went all out on the appliances “that are all stainless steel, top of the line” including a Wolf five-burner gas range with griddle and charburner, hood fan and steam conduction wall oven and a SubZero 48-in. fridge with glass door and pull out prep tray drawers – ideal for when you’re preparing foods for entertaining.

44 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

The kitchen also has a butler’s pantry with cappuccino stained cabinets.

“We also wanted to further emphasize the food theme, so we added an under-counter herb garden in the kitchen, which is also stainless steel,” Jacobson says. “If you’re into cooking, you’ll want this kitchen.”

A beverage centre was extended off the kitchen that included a full-height SubZero wine storage unit, a Meile coffee maker and flat screen TV and there was a small morning room “that can be used as a seating area where people can take their coffee and read the paper.

“The main floor was created as very

“ If you’re into cooking, you’ll want this kitchen.”

open design and we used tile clad columns, beams and ceiling treatments to define spaces,” Jacobson says.

The flooring throughout the main floor and much of upstairs featured engineered white oak five-in. plank, and the large fireplace in the great room was surrounded in brick with a box style maple mantle. Homes by Avi crafted Eastern stringer stairs with maple rails and iron pickets and installed two windows in the stairwell “to bring in lots of natural light.”

At the top of the stairs, the central family/bonus room provided a perfect place for the family to kick back and enjoy watching TV or movie nights, and there is access to the upper deck from this space with herb gardens – continuing the foodie theme.

The upstairs laundry was integrated in the master bedroom and the spa-like ensuite presented a large vanity with dual vessel sinks, a separate make-up station, and a “wet zone” featuring a deck-mounted tub and walk-in shower behind a glass wall. A second upper deck was also crafted off the master bedroom with an outdoor fireplace.

“A neat feature in the bathrooms are the circular mirrors, which are mounted

away from the wall and back lit, adding a sophisticated touch,” Jacobson says.

There were also two secondary bedrooms upstairs that share the Jack ’n’ Jill bathroom.

This year’s Dream Home was taken apart in seven pieces and trucked to its permanent home in Walden – a Genstar community in southeast Calgary. To find out who won the 2014 Stampede Rotary Dream Home, visit calgarystampedelotteries.ca. Check out more on the Dream Homes – current and past – and view entries in Homes by Avi’s foodie contest at dreamhome.homesbyavi.com JUL 18 - AUG 15, 2014 | NEW HOME GUIDE 45

//MORTGAGE ADVICE

Why mortgage rates vary from lender to lender » by ALYSSA RICHARD

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.

We’ve recently seen mortgage rate wars resurface in Canada, as different lenders all tried to get a bigger piece of the real estate pie. First, Investors Group offered a three-year variable of just 1.99 per cent. Then Scotiabank dropped its five-year fixed down to 2.97 per cent, which was the lowest among the big banks. Finally, on ratehub.ca, we saw five-year fixed rates vary from 2.99 per cent in Quebec to 2.84 per cent in British Columbia.

It seems odd that lenders can all offer such different rates, right? I mean, if five-year fixed mortgage rates are driven by five-year government bond yields, how is it possible for mortgage rates to vary from lender-to-lender – especially from province-to-province? As it turns out, the answer is fairly simple.

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is. We’ve seen how this works on a national level, when one of the big banks launches a new low rate before the other big banks, so they can get some press and gain a little more of the market share.

On a provincial level, though, we often forget how many credit unions and small lenders exist in only one province. And if a small lender in one province sets a new low rate, there’s no reason for small lenders in other provinces to follow suit because they are not direct competitors.

Finally, on a city level, it can also become a classic case of supply and demand. For example, in a city such as Toronto, where there’s a greater demand for housing and thus mortgages, there’s a need for lenders to supply the lowest

46 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

Individual lending institutions set their rates based on what their profit objectives are, how much competition they have and what their marketing strategy is. mortgage rates, so they can compete for a portion of the market share. However, in comparison to somewhere like Yellowknife, where there are significantly fewer people, homes and real estate transactions, buyers have fewer lenders to choose from, so lenders can charge higher interest rates.

On top of the role lenders play, you also need to consider what the mortgage brokers who work with each individual lender choose to do with their commission. Some brokers choose to keep the full commission, and others decide to split it with clients in the form of a lower rate.

What does all this mean for you? If you’re thinking of buying a home this year, don’t just walk into your bank and accept the rate they offer you. Work with a mortgage broker who can find the best mortgage rate and product for you.

homebuyers’ help//

Homebuyers’ Resource Section You love the home, see what you can afford! » Compare mortgage rates for your best deal

» Calculate your mortgage payments using the mortgage payment calculation chart

jul 18 - aug 15, 2014 | New home Guide 47

//homebuyers’ help

Calculate your mortgage payments MORTGAGE PAYMENT CALCULATION CHART

Calculate your mortgage payments monthly Pre-Tax Income

divide by 3

chart figure

amortization amount

Spouse’s pre-tax income

affordable monthly payments

amount of mortgage divided by 1,000

estimated monthly taxes & heat

Interest Rates %

total Pre-tax income

amount of mortgage (price – down payment)

amortization amount

monthly payments

Amortization Periods

5 yrs

10 yrs

15 yrs

20 yrs

25 yrs

5.00%

18.84

10.58

7.88

6.57

5.81

5.25%

18.96

10.70

8.00

6.70

5.95

5.50%

19.07

10.82

8.13

6.84

6.10

5.75%

19.18

10.94

8.26

6.98

6.25

6.00%

19.29

11.06

8.39

7.12

6.39

6.25%

19.41

11.18

8.53

7.26

6.54

6.50%

19.52

11.31

8.66

7.40

6.69

6.75%

19.63

11.43

8.79

7.54

6.85

7.00%

19.75

11.55

8.93

7.69

7.00

7.25%

19.86

11.68

9.06

7.83

7.15

7.50%

19.98

11.81

9.20

7.98

7.31

7.75%

20.09

11.93

9.34

8.13

7.47

8.00%

20.21

12.06

9.48

8.28

7.63

8.25%

20.32

12.19

9.62

8.43

7.79

Follow these steps to see if you’ll qualify for a mortgage on your dream home

01 02 03

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

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

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

48 New home Guide | jul 18 - aug 15, 2014

04

Refer to the chart on the opposite page. Look down the left column and locate the interest rate you expect to pay.

Line this up with the amortization period of your choice. (Most firsttime buyers take the 25-year amortization.)

05

Multiply this figure by the amount you need to borrow.

Divide by 1,000.

06 07

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

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 home.

» 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 andget pre-qualified.

Mortgage interest rates VARIABLE 6 month

1 year

2 years

3 years

4 years

5 years

ATB Financial

2.700

4.000

2.940

2.890

2.990

3.040

3.290

Bank of Montreal (BMO)

3.000

4.000

3.140

3.040

3.850

4.390

4.990

Bank of Nova Scotia

3.100

4.550

3.290

3.140

3.440

3.940

4.790

Bridgewater Bank

-

-

4.800

4.700

5.250

-

5.250

CIBC Mortgages

3.000

4.450

3.090

3.040

3.750

4.240

4.990

Canadian Western Bank

3.200

4.000

3.140

3.040

3.750

4.390

4.990

Canadian Western Trust

3.200

4.000

3.140

3.040

3.750

4.390

4.990

First Calgary Financial

-

4.000

2.890

2.890

3.190

3.390

3.290

First National Financial

2.500

3.950

2.990

2.590

2.790

2.770

3.090

Home Trust Company

2.500

3.950

2.890

2.890

2.790

2.940

3.040

ICICI Bank Canada

3.050

-

3.150

3.650

3.640

3.690

3.890

Investors Group Trust

3.000

4.200

3.140

3.140

3.750

4.640

4.990

London Life

3.000

4.200

3.140

3.140

3.750

4.640

4.990

Manulife Bank

2.700

4.450

3.000

3.050

3.100

3.140

3.190

Manulife Trust

-

4.450

3.000

3.050

3.100

3.140

3.190

Meridian Credit Union

2.600

4.000

3.090

3.140

3.650

4.390

2.950

National Bank

3.000

4.400

3.140

3.040

3.750

4.390

4.790

-

4.500

3.150

3.500

3.950

3.950

3.490

President’s Choice Fin’l

3.000

6.190

3.290

3.040

3.590

3.690

4.090

Royal Bank of Canada

3.000

3.140

3.140

3.040

3.750

4.540

4.940

-

4.000

3.140

3.040

3.750

4.240

4.790

T-D Mortgage

3.000

4.000

3.090

3.040

3.440

3.940

4.790

Tangerine

3.000

-

3.190

3.240

3.490

3.690

3.790

Peace Hills Trust

Servus Credit Union

Mortgage Types

All mortgages are of two basic types: Conventional The buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.

The buyer has to pay 20% down.

A conventional mortgage cannot exceed 80% of the value of the property.

Insured or High-Ratio: A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

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.

Open mortgage: Allows borrowers 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.

Closed mortgage: Usually has the lowest interest rate available but lacks the flexible features of other mortgage options.

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: 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.

Prepared by CANNEX on JUNE 21, 2014. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2014 CANNEX Financial Exchanges Limited. All rights reserved.

jul 18 - aug 15, 2014 | New home Guide 49

//THE HOMEBUYING PROCESS

Association announces new president; honours award winners and volunteers » by DONNA MOORE

DONNA MOORE

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

Members of the Canadian Home Builders’ Association - Calgary Region, who dedicate countless hours of their time to help the association achieve its goals, were honoured for their contributions in June.

As part of the CHBA - Calgary Region’s annual general meeting and dinner on June 17, the association also announced this year’s incoming president, while presenting its presidential awards and recognizing its volunteers. Awards were presented to volunteers who have served from one year to 30-plus years on the numerous committees, subcommittees and the board of directors.

Volunteers are the backbone of any organization and without the help of dedicated volunteer members – 179 people from 117 companies strong – the CHBA couldn’t do the valuable work that it does every day.

This was particularly evident last year during the flood disaster when every member, big or small, stopped what they were doing to lend a hand wherever it was needed.

But the members are there wherever and whenever the association needs them, whether at city hall lending their expertise, organizing and planning special events, promoting the industry to the general public, or supporting the association’s many activities.

The association has recognized its volunteers since it began in 1946.

Volunteers provide not only their leadership skills, but also their business savvy, industry experience, knowledge and creative talents. CHBA members play an integral part in helping the association realize its goals.

CHBA - Calgary Region volunteers represent all sectors of the homebuilding industry from developers and home builders to suppliers, trades and associated professionals.

50 NEW HOME GUIDE | JUL 18 - AUG 15, 2014

Among the longest-serving volunteers recognized were: Mike Borkristl, Tricor Designs, 36 years; R.J. (Bob) Nobes, ReMax House of Real Estate, 32 years; and Lyle Faas, Shane Homes, 31 years.

The outgoing president of the CHBA - Calgary Region, Doug Whitney from Crystal Creek Homes, was honoured during the event and the association announced the incoming president as Wayne Copeland, director of business development, Double R Building Products.

Whitney also presented the following Presidential Awards to members who had helped him over the past year: » Bill Beattie Memorial Award: Cedarglen Homes. The Bill Beattie Memorial Award is awarded to the member that has contributed to the overall good of our industry through their contribution to the community at large. » Rookie of the Year Award: Glenn Edwards, Carolina Homes. This award recognizes a member who has made an outstanding contribution in his or her first year as a director of the CHBA - Calgary Region. » Rooftopper of the Year: Howard Tse, Cedarglen Homes.

This award recognizes the member who has recruited the most new members during the 2013-14 fiscal year. » Beaver Award: Charron Ungar, Homes by Avi Urban.

This prestigious award is presented annually by the CHBA - Calgary Region to a builder member in recognition of his or her dedication and service to the association. » Bob Ward Memorial Award: Wilf Richter, Mattamy Homes. In recognition of Bob Ward, one of CHBA’s long-serving and most dedicated volunteers, this award is presented each year to a CHBA – Calgary Region volunteer who has provided services to the association of more than 20 years. » President’s Award: Charron Ungar. This award is the President’s choice of a member who has made the most outstanding contribution of achievement in the best interest of the CHBA - Calgary Region and its members. » Outgoing Director Awards: Howard Tse, Larry Noer, Glenn Edwards, Charron Ungar, Wendy Jabusch and Larry Thomson. These are directors who have completed their term serving on the CHBA - Calgary Region board of directors. These members can also put their names forward on ballots to continue on the board for another term if elected. » CHBA National Awards of Honour: Ann Donald, BFL Canada Insurance Services, and Wayne Copeland.

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mattamyhomes.com

COMING SOON!

A New Release Of Homes In Lakepointe.

Soon we will present a brand new release featuring a great selection of homes in our popular lakeside community on the shores of Chestermere Lake.

• Surrounded by natural beauty and recreation • Walk to charming village of Chestermere • Parks & playgrounds right in the neighbourhood

• New selection of Towns, Semi’s And Single Family Homes • 15 minutes to downtown Calgary • Established Master-Planned community

Airport 10 mins.

To Calgary

Trans-Canada or 1 6th

Paradise Road

Lakepointe

CHESTERMERE COMING SOON! Townhomes Semi-Detached Detached Homes

Ave .

West P Driveark

Sales Centre

17th Ave.

Sales Centre: 400 West Park Drive

Chestermere Lake

Pre-register today at mattamyhomes.com to be part of life in Lakepointe Follow us:

Sales Centre Hours: Monday - Thursday 1pm-8pm; Friday 1pm-6pm; Saturday, Sunday and Holidays 11am-6pm All illustrations are artist’s concept. All dimensions are approximate. Prices, specifications, terms and conditions subject to change without notice. E.&O.E.

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